First, ahead of consumption: With the development of network technology, the lending authority has been relaxed, and many young people are ahead of consumption. Under the premise of poor economic ability, you can buy what you like through some loans. For example, use next month's salary to overdraw this month's consumption through flowers, IOUs and credit cards. Then pay back this month's money next month, and so on, forming a vicious circle. How can you save money if you keep spending in advance?

Second, excessive pursuit of a comfortable life: I can't be wronged when I go out, so I have pursued a comfortable life. Obviously, the meager monthly salary can only support rent, water and electricity, some necessary contacts and some shopping. However, a cup of milk tea every afternoon, various carnival celebrations on weekends, clothes bought in buy buy, and frequent eating out. This kind of life makes my meager salary unbearable. I may spend it all before the end of each month and have no spare money to save.

Third, there is no habit of saving money: live a life of drinking today and getting drunk today. I'm sorry I'm not in the habit of saving money regularly. I don't think it's necessary to exist in my heart either. Live a necessary life every month. Even at the end of the month, I will go out for dinner with my friends, if there is still money, so even if I have spare money, I won't let him stay for long.

Fourth, the cost of living is too high: the prices of basic consumables are increasing day by day, and the prices of dazzling things in shopping malls are getting higher and higher. Some basic daily life is a big expense. Prices are rising, but wages are not rising or rising very slowly. Where prices are high, some wages are only enough for basic daily expenses. Especially those who rent for work, the rent is getting higher and higher. There is not much money left for rent, utilities and meals every month. Coupled with occasional secular contact, there is almost nothing left, not that I don't want to deposit, but that I am willing but unable.

Fifth, the sense of crisis is not strong: in the past, people often saved money to resist all kinds of unexpected accidents, such as sudden illness, children suddenly needed money to study, and they had to save some for their own old age. But now with the improvement of the social system, there are old-age insurance, sick medical insurance, subsidies for having children, and exemption from some tuition and fees. Young people don't feel that they need a lot of money. Now that their living environment is very good, they feel that they don't need a deposit at all. Even if something goes wrong or you suddenly get sick, there are corresponding policies. On the other hand, just out of society, parents almost always give great support. Even if there is no money, parents will take the initiative to make money, so it is completely unnecessary and unnecessary.