理财师您好,我是一名27岁的年轻人,一年前刚结婚,目前夫妻二人都在北京工作,两人年收入加起来18万元左右,但因为新婚购房,现在每年都需要背负6万元的房贷,所以日子过得有些紧张。现在我们每月开支大概在5000元左右(不算房贷),每年除了花销和房贷,还能结余4万元左右,一般都是存做定期或活期存款,没有什么好的投资渠道。请问我们这种情况需要如何理财?北京李先生 Hello financial planner, I am a 27-year-old young man, just married a year ago, the couple are currently working in Beijing, the two annual income together 180,000 yuan, but because of the new home buyers now need every year Bear 60,000 yuan mortgage, so the days flies a bit nervous. Now we spend about 5,000 yuan per month (not mortgage), each year in addition to spending and mortgages, but also the balance of 40,000 yuan, are generally kept doing regular or current deposits, there is no good investment channels. How do we need financial management in this situation? Beijing Mr. Li