How low-income families can achieve high returns with稳健 financial management - Golden Salary Wen earns 8 - a great advisor for your investment and financial management. 注：原文中“稳健”一词重复，翻译时可依据上下文适当调整为更贴切的英文表达，如 "stable" 或 "prudent"。此处保留了其意涵。

Basic situation: Ms. Zhu is from Hunan. She is an ordinary employee in the company with a monthly income of 3000 yuan. Her husband is also an ordinary employee with the same monthly income of 3000 yuan. The couple owns one apartment, which is a three-bedroom, one-living room unit, and they have no mortgage on it. Currently, they have 100,000 yuan in a活期 deposit (savings account), 50,000 yuan in a定期 deposit (fixed-term deposit), and additionally 20,000 yuan in government bonds...