我与老公结婚三年,结婚时既没房也没车,也算是“裸婚”。婚前我年收入4万元,老公年收入5万元,除去日常生活开支,根本就存不下几个钱,更别提买房买车了。过来人的经验告诉我们,“裸婚”夫妻刚开始理财时,宜先采取强制储蓄+基金定投的组合方式来理财。所以,刚开始理财的时候,我便先 My husband and I marry for three years, neither the house nor the car when married, can be considered “naked marriage ”. My annual income before marriage 40,000 yuan, my husband’s annual income 50,000 yuan, except for daily expenses, there is no more than a few savings, let alone buy a house to buy a car. Come experience of telling us that “nude marriage ” husband and wife just started managing money, should first take compulsory savings + fund fixed investment combination of ways to finance. So, just started managing money, I will first