In terms of financial management, the following points are worth noting: 1) Enhance risk management: The husband is the economic pillar of the family and has great family responsibilities. He should improve the appropriate commercial insurance according to the social security situation. For instance, he can pay attention to Taikang's family protection plan, with the husband as the main applicant, to purchase life insurance, accidental injury comprehensive medical, health insurance, etc., while improving the insurance protection for his wife and children. Insurance types with premium waiver clauses can be selected.