Not a bad life, except for three major bugs:
If you want to send your kids overseas for education in the future, go yourself first now !
Why do you have to give your kids 40w for marriage? they should make their own living.
If you take care of yourself properly, you should be able to live to 90 years old.
1) 儿子读大学, 四年八万.
2) 儿子要结婚, 赞助两万.
3) 65 岁退休, 节余 60 万, 周游.