小徐是公务员,今年26岁;妻子25岁,为个体户经营户,夫妻俩是典型的裸婚族。夫妻俩结婚已一年,与父母同住。夫妻俩的年收入约12万元,年主要生活支出5万元,目前有一年期定存10万元,即将到期。小徐购有保险,妻子尚未购买。夫妻俩希望三年后购买一套总价约95万元的房子,两年内购置私家车,第四年生宝宝,并为宝宝准备教育基金和为妻子购买商业险。 Xiao Xu is a civil servant, 26 years old; wife 25 years old, self-employed households, the couple is a typical naked marriage. The couple married for one year, living with their parents. The couple’s annual income of about 120,000 yuan, the main living expenses of 50,000 yuan, there is a one-year deposit of 100,000 yuan, about to expire. Xiao Xu purchase insurance, his wife has not yet purchased. The couple hopes to buy a house worth about $ 950,000 three years later, a private car for two years, a fourth-year baby, an education fund for the baby and a commercial insurance for the wife.