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Sit with your spouse and make a life plan to figure out your priorities. Understand your future financial needs such children's education, marriage, health issues and retirement.
Do you plan for career risk where there may be breaks? You work for money but at what point does your money start working for you?
Don't mix insurance and investment and instead go for a term policy. Be aware that even real estate also has ups and downs and you may not be able to realize the value of real estate at a time of need.
Gold is good for jewelry but not necessarily as an investment.
Teach your children how to handle money and investments. Encourage your children to create a financial plan even at start of marriage.
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