【Sweetheart Lover】

Chapter 208: Rational Negotiation, Finding a Solution

After the previous heated debate, Lin Yanan and Ruan Jianan both realized that they needed to face the issue of family property planning more calmly and rationally.

In the next few days, they used the evening time to sit down again and discuss seriously. The light in the living room was soft and warm. Lin Yanan took out the detailed list of family income and expenditure that she had recorded before. The list was densely filled with various numbers and notes. She had a serious expression and carefully analyzed every expense and possible savings to Ruan Jianan.

"Jian'an, look, these are our fixed monthly expenses, including rent, utilities, children's tuition and so on. There is no way to reduce these. But in terms of daily consumption, such as shopping and dining out, we still have room to save." Lin Yanan pointed to the numbers on the detailed list, her voice soft but firm.

Ruan Jianan was no longer stubborn. He sat opposite Lin Yanan, looking at the details intently, listening carefully to Lin Yanan's ideas, and raising his own questions and suggestions. "Yanan, what you said makes sense, but regarding investment, I think we can do some more in-depth research. After all, the market changes very quickly, and we can't act blindly."

Lin Yanan nodded in agreement. "Okay, let's find some professional information together, or consult a financial advisor. I think listening to the opinions of professionals will be of great help to us in making the right decisions."

So, they began a long and meticulous preparation. During the daytime, they would search for all kinds of financial knowledge and investment cases on the Internet. At night, after the children went to bed, they would sit at the desk and read thick books on financial management together, taking detailed notes. On weekends, they would also attend some financial lectures and ask questions from experts.

In the process, they gradually let go of their previous prejudices and started from the overall interests of the family. Sometimes, they would discuss a point of view until late at night, but they no longer argued like before, but communicated calmly.

"Jian'an, I think we can invest part of the funds in real estate. After all, real estate is relatively stable." Lin Yanan pointed to a document and said. Her eyes were shining with anticipation, hoping that Ruan Jian'an would agree with her point of view.

Ruan Jianan thought for a moment, tapping his fingers on the table. "Well, real estate is indeed a relatively value-preserving investment. But we also have to consider the liquidity of real estate. If you need money urgently, it may not be easy to cash out. And when buying real estate, you also need to consider factors such as location and housing price trends."

Lin Yanan frowned, "What you said makes sense. Then can we choose some small apartments in popular locations, which are easy to rent out and relatively easy to sell."

Ruan Jianan nodded slightly, "This is a good idea, but we also have to calculate the down payment and monthly payment, and we can't put too much pressure on ourselves."

They discussed with each other and constantly improved their investment plan. In addition to real estate, they also studied stocks, funds, bonds and other investment methods.

"Yanan, I think the fund may be more suitable for us. The risk is relatively low and the return is not bad." Ruan Jianan said while flipping through a financial magazine.

Lin Yanan leaned over to take a look and said, "But there are many types of funds. We have to choose the right fund manager and investment direction."

After repeated comparisons and analyses, they finally decided to invest part of the funds in stable funds and part of them in purchasing government bonds to ensure the safety of funds and stable returns.

They also reached a consensus on the child's education reserve. "Jian'an, I want to enroll my child in some interest classes to cultivate his specialties," said Lin Yanan.

Ruan Jianan agreed, "Okay, but we also have to choose according to the child's interests and not put too much pressure on him."

They decided to save a certain amount of money every month as their child's education fund, and at the same time pay attention to some high-quality educational resources to make full preparations for their child's future.

"We finally found a solution that everyone can accept, and I feel much more at ease." Lin Yanan said with a smile. Her face was filled with a tired but satisfied smile, and her efforts during this period finally paid off.

Ruan Jianan also showed a relieved smile. He reached out and held Lin Yanan's hand. "Yes, this negotiation has made us understand each other's ideas better and made our family more united. No matter what problems we encounter in the future, we must communicate calmly like this and solve them together."

Lin Yanan nodded, "Well, as long as we think in the same direction and work together, there will be no difficulties that we cannot overcome."

Just when they thought everything was settled, new problems arose. Ruan Jianan's company suddenly announced layoffs, which made him feel heavy-hearted.

"Yanan, if I am laid off, our plans may be affected." Ruan Jianan said worriedly.

Lin Yanan held his hand tightly and said, "Don't worry. Even if it really happens, we will face it together. Maybe this is also a new opportunity for you to rethink your career development."

Ruan Jianan felt a little more at ease after hearing what Lin Yanan said. "Well, you're right. We can't be defeated by difficulties."

They were all very nervous while waiting for the result of layoffs. But they still supported and encouraged each other. In the end, Ruan Jianan was lucky enough to keep his job, which made them feel relieved.