Everyone is faced with unexpected risks, which pose a great threat to family finances, and are often sudden and serious. If it directly leads to death, the risk of death is the same. If it is disabled, it is likely to lead to a decrease or interruption in income and an increase in expenditure. Because unexpected risks are faced by everyone, every family member should make a good risk plan.
2. Health risks
This is another important potential danger, and sometimes its impact on family finances is devastating. Among family members, children have a low risk level due to age; There is no doubt that the four elderly people are the group with the highest health risk, but their diseases lead to the increase of expenditure at most.
Once middle-class couples get sick, they will not only increase their expenses, but also reduce their income, so they need to make a good plan for risk protection first.
3. Pension risk
After retirement, the income plummeted, and the money needed for pension and medical care was much higher than expected. As a result, family finance is likely to turn from the original surplus to deficit.
Among the family members, the financial situation of four elderly people can be assessed clearly, and with the passage of time, middle-class couples will also face the problem of providing for the elderly, so it is best to plan ahead.
4. Risk of death
Strictly speaking, death is not a risk, it is a certain thing, and the uncertainty is only time. The joys and sorrows of children after their death or longevity are more emotional losses, and the economic losses are not great for families. The premature death of the family breadwinner will directly lead to the interruption of the income of the whole family.
For example, if the middle-class couple in "42 1 family" are at risk of death, the financial situation of the whole family will change qualitatively in an instant, and the income interruption cannot be recovered, and all the expected future income related to it will disappear in an instant. Therefore, the risk of husband and wife's death is the mainstay of family economy, and family risk planning should be considered first.