For middle-class families who want to live a better life, here are some suggestions worth referring to:

1. When choosing a partner, you should focus on the family background and conditions of both parties, and try to find a partner who is "equal" to you. This does not mean to pursue material things too much, but to ensure that both parties can match each other in values ​​and life concepts, and jointly build a stable family foundation.

2. Be rational when managing your finances, and don't covet too high a rate of return. Financial products with high interest rates on the market are often accompanied by high risks. Once problems arise, they may cause huge losses to family finances. Therefore, it is recommended to be cautious about products with interest rates above 4%.

3. Do things within your means and don't overextend your financial capabilities. For example, when buying a property, you should make reasonable plans based on your financial strength and avoid excessive borrowing. If you have 1 million in funds, it is feasible to buy a 3 million property, but trying to buy a 5 million property may be beyond your tolerance.

4. When investing in stocks, you can pay more attention to the international market, especially the US stock market. However, investment should be cautious. It is recommended to invest 20-30% of available funds in the stock market to avoid excessive risk.

In terms of fertility, you can consider having a child to add joy and vitality to the family. Of course, fertility decisions should be made based on the actual situation of the individual and the family.

In terms of investment choices, we should adhere to the principle of "few but good", avoid blindly following the trend or investing in areas that we don't understand. For investment projects that we don't understand, it is best to keep a wait-and-see attitude.

Finally, be sure to avoid providing loan guarantees for others. Because once the borrower fails to repay on time, you may bear joint and several liability, bringing unnecessary risks to your finances.

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