This city depends on life, age, work, etc.

First-and second-tier cities are far better than third-and fourth-tier cities, and cities are better than rural towns. For example, the standard of living and income is. Otherwise, there won't be so many wandering people.

Let's say it's a second-tier city:

Some friends born after 196 have retired, and some children born after 199 are paid to work, but their parents are old and their living expenses are controllable. If there is no major event at home, 4, will definitely have no problem and will not have much impact on life.

Friends and children born after 197s and 198s are still students. On the one hand, they are investing heavily in education, on the other hand, they are paying off their mortgages in distress, or they are successful in starting their own businesses, but they are also struggling to maintain the livelihood of their own companies and employees. Those who go to work are too slow to find jobs and are too old to be wanted. They are basically afraid to speak out about their existing jobs. If 4 thousand can't get together, 2.3 is no problem, but this money is absolutely bone-crushing. Because the average family will definitely leave a sum of money to resist risks, people of this age mainly have to deal with their parents' diseases, unstable careers and children's education.

The partner born after 199s, the oldest of whom is 32, is married and has children, and the cost of living is not low. He may still be a moonlight family. If he has no savings, he can only reach out to his parents born after 6s and 7s.

Many people in China are living in debt, and mortgage loans have made many people overdraw their wealth in the next 1 years or more. Although there are many people who have 4 thousand net assets by subtracting liabilities from assets, there are really not many people who can take out 4 thousand by subtracting liabilities from cash on hand.

In other words, there is not much money to spend in a down-to-earth way, so I think most people may be rich in assets, but poor in cash.

if you grab a person casually in the street and ask him if 4, yuan is too much?

he may despise you and say that you have no knowledge. Will say: In today's society, is 4, still called money? You can only buy a toilet in a big city?

but if you ask him, how much is your monthly salary? How much money is there now?

He may be embarrassed to answer: the monthly income is 3,, and the deposit is zero.

Many experts say that in today's society, families who can put out 4, yuan in savings are grabbing a lot at a time. If a family doesn't even have 4, deposits, it must be a failed family.

I am skeptical about this view.

The total amount of bank deposits I work in is about 3 million yuan, and there are more than 3, customers who save money. On average, every customer who deposits is less than 1, yuan.

of these four types, there are only three customers with deposits of over 1 million. Only 1 have deposited more than 5 million yuan. There are only 5 people who have deposited more than 1 million.

There are less than 2 customers who deposit more than 4, yuan, accounting for less than 7% of the total number of customers who deposit money.

Generally, only this person manages money in a family, so the proportion of personal deposits reaches 4,, which basically represents the amount of family deposits.

In addition, nearly half of the families in China have no bank deposits.

Therefore, the proportion of families who can pay 4, yuan at a time is absolutely not more than 1% in China. That is to say, out of a hundred families, only one can come up with 4,.

In addition, it should be considered that the coastal economic level is relatively developed, and the rich families are basically in coastal urban areas.

Maybe your city can provide 4, families, which will be less than 1%.

There are two main reasons: I don't earn much money, but I spend a lot of money.

1. The annual income of an ordinary family is very low

The income of ordinary working-class people is generally very low. Maybe if you see any passer-by in a big city, your salary is at least five or six thousand yuan.

But if you go to small cities and those small counties along the 7th and 8th lines, the average monthly salary is two or three thousand yuan. This is the salary income of ordinary people, which is the most representative.

and if you are in a big city and your salary is high, your consumption level must be high.

in an ordinary family, two adults work to earn money. Suppose everyone's salary is 4 yuan and the family income is 8 yuan a month, which is already very high.

But food, clothing, housing and transportation all cost money, especially for children to spend money on education. If you still have to pay the mortgage and have all kinds of extra expenses, you will basically not be able to save money in that month.

Moreover, a family is bound to experience a major expense, that is, getting married.

2. After decades of hard work, one gets married before liberation.

Nowadays, China people's marriage custom is that their own marriage depends on their parents. When you become a parent, you have to worry about your children getting married.

if the family is a son, then marriage is like a bottomless pit.

to buy a house, any down payment will cost 2, to 3, yuan. Buying a car costs a few hundred thousand dollars. Wedding banquet, jewelry, bride price money, to say the least, will cost another 1.2 million.

if you get married, you won't be able to handle it without four or five hundred thousand. It is likely that the money earned by half a lifetime's work will be spent cleanly when the children get married.

by the time my children get married, I am already in my fifties. At this time, I can save a little money, but I am about to stop working.

Maybe when they retire, the husband and wife will still have 1.2 million yuan in their hands, which is all the pension money. If you can have a retirement salary, your life will be more stable in your later years. If there is no retirement salary, you can only break a penny into two petals.

congratulations if you can spare 4, yuan. Your family is in the top 1% in China.

don't feel depressed if you take it out, even if you don't have bank deposits.

Family harmony, good health and peace are the greatest wealth of a family.

you should look at the location of these families and the age group.

In first-tier cities, there are many families who can spend 4, yuan at a time, and families with annual incomes above 4, are everywhere. After all, there are many job opportunities and high incomes in first-tier cities, and many people can spend this money. Some good college graduates can get an annual salary of more than 4 thousand, and they can take out 4 thousand at a time after accumulating for several years Almost all families who have settled in first-tier cities all the year round can get it.

In second-tier cities, there are many families who can get 4, yuan at a time. Families who have settled here all the year round basically have savings, and the wage income in second-tier cities is not low. Therefore, relatively speaking, ordinary families can get 4, yuan at a time.

Not necessarily in third-tier cities, because the wage income in third-tier cities is generally not very high, and 4, yuan needs to be accumulated all the year round, and the house price is high, so it is more difficult to save. Generally, after 7 s and 8 s, you can almost take out 4, yuan in savings at one time.

A family that can take out a deposit of 4, yuan at a time in a fourth-tier city is a relatively wealthy family, and the number will be even smaller.

A family that can spend 4, yuan at a time in rural areas is definitely rich. After all, the income in rural areas is relatively low, and the corresponding savings are also lacking.

On the whole, there are not many families who can afford 4, yuan at a time, because they are generally available to families in first-and second-tier cities, but most of our population is concentrated in third-and fourth-tier cities and rural areas.

There are now more than 4 million families in China, and those who can spend 4, at one time should belong to the middle and high income level. In fact, there are quite a few such families in big cities.

Let's look at several sets of data first. China now has a population of more than 1.4 billion, and a family of three is the main family model. In 215, National Health Commission released a report on the development of China's families, and the number of families passed by has exceeded 4 million.

According to the data of the National Bureau of Statistics, there are about 6 million people in China whose monthly income is around 1 yuan.

In addition, according to the data of the central bank, by the end of 218, the per capita deposit of residents will be about 5, yuan. That is to say, according to the calculation of a family of three, the per capita deposit of a family is about 16 thousand yuan.

Let's look at the data of per capita disposable income. According to the National Bureau of Statistics, the national per capita disposable income reached 3,733 yuan in 219. According to a family of three, the per capita disposable income of a family is about 1, yuan.

The average per capita disposable income of residents in China is 26,523 yuan. According to a family of three, the average disposable income of a family is about 8, yuan.

So a family deposit of 4, yuan is about five times the median per capita disposable income of a family of three.

families that can afford 4, yuan must belong to middle-and high-income families.

according to the national income quintile, the per capita disposable income of the 2% high-income group is 76,41 yuan. For a family of three, it is about 23 thousand yuan. 4, yuan is about twice as much, so it is estimated that about 1% of the families can take out 4, yuan deposits.

1% of more than 4 million families, that is, more than 4 million households. Of course, from the distribution point of view, there are still many deposit families who can take out 4 thousand yuan in big cities.

There may be a lot of households with a performance of 4, yuan at a time in the city. There are several kinds of people here. First, after the reform and opening up, people with advanced ideas have accumulated business for many years, and 4, yuan is really not a problem, maybe more. Secondly, elderly people with higher wages, especially those with pensions, have a lot of pensions, but most of them have come from hard times. They are still thrifty in their wages and pensions, and pay great attention to deposits. There may be 4, or more of these people. Third, some corrupt elements who have not been dug up are restricted by real-name registration system's deposits. They only keep cash at home. The news often reports how many billions of so-and-so have been embezzled. These corrupt officials who have not been dug up for a while can't live all day. They have so much money but they are not happy.

In rural areas, there are not many households with 4, yuan in cash or tickets. At the beginning of reform and opening up, it was easier to make money, but only those who dare to take risks can make a fortune. Most people can only be rich, but they are not rich. However, those who have made a fortune have made great strides in development, and very few have succeeded. Some people have lost money and returned to the original starting point. With the maturity of market economy, people with integrity, technology and knowledge can earn money, but these people are not many after all. In rural areas, there are plenty of high-rise buildings, which are accumulated in previous years, and there are more cars, which are the needs of social progress and life. However, these households may not have much cash on hand. It is not easy for rural boys to find a partner. The woman wants a car, urban housing and a lot of bride price. The family has worked hard for 2 or 2 years to marry a daughter-in-law, and even has to be in debt.

Some families may still have some savings, but they are all waiting to talk about the expenses of a daughter-in-law. Others accumulate for their children's schooling. Most families pay attention to their children's schooling. They choose famous schools for their children from primary school and enter various training courses. This kind of expenses are also very high, but people do not hesitate to pay the cost. Such families have deposits, not too much, but they have special purposes.

In recent years, the most abominable thing is some illegal guarantee companies. They have taken away a lot of money in rural areas. Many farmers, especially the elderly, are greedy for high interest rates, giving them all their hard-earned money and the money saved between their teeth. They are afraid of losing face and have a stomachache, but they don't want to tell anyone.

In the past, people didn't have a strong sense of the rule of law, so they easily guaranteed loans to others, or they used their own names and ID cards to give loans directly to others because of face saving. Generally, these amounts were very large, and the lenders couldn't pay them back, so they had joint and several liabilities, and they became old-timers, couldn't get out of the house, and couldn't get a job, because now the manufacturers all paid electronically, and once there was money on the card, the bank could freeze it. These people are still quite pitiful.

In a word, the ancients said that it is better to make a fortune every day than to have a job and a monthly income. So the policy of stabilizing the country and expanding employment is wise.

Nowadays, many people think that 4, yuan is not a big sum, but there are really not many families who take out 4, yuan at a time, because most people have mortgages and many people have children to support, even high-net-worth middle-class families, because of their high income and high expenditure, there are not many families who take out 4, yuan at a time.

People's consumption concept has changed since 198s and 199s. Compared with our parents, saving money is not our main living habit, but debt and overdraft consumption are the mainstream. According to the data, the debt ratio of young people in China, who are mainly born in 198s and 199s, is as high as 44.5%, among which the per capita debt of 198s is over 22,, while that of 199s is over 12, yuan, and most of them are born in 198s and 199s.

according to the data released by the central bank, the total deposit of households in China was 72.44 trillion yuan in 218, 9.7 trillion yuan more by the end of 219 and 9.95 trillion yuan more by the end of the third quarter of 22. The total deposit of households in China is 92.9 trillion RMB, ranking first in the world.

based on 1.4 billion people, 92.9 trillion /14 is equal to 65,776 yuan, which means that the average savings in China is 65,776 yuan.

But I believe that 8% of the households in China can't reach this figure, because this figure is per capita. If we take three people as a family, the average household deposit is 197,328 yuan, which is impossible for nearly 2, households.

So there are not many families who can spend 4, yuan at a time.

Now, because of the inflation rate and the housing price, many young people think that the value of 4, is not too high, but it is really not easy to save 4,.

Of course, if your family is engaged in business, or your village is very rich, and the whole village like Huaxi Village shares and pays dividends, it shouldn't be difficult to pay 1 million yuan, but if it is an ordinary working-class family, 4, yuan should be a huge sum, and most working-class families don't have 4, deposits.

In fact, the main reason is caused by the current consumption concept. At that time, our parents' houses were divided by the state, and there was not so much temptation to consume. Even if they had money, they just bought some delicious food, so there was no consumption channel except saving money. Now, the material pursuit is greater than the spiritual pursuit, such as house price, price and car.