The consumption concept of modern young people is far from that of the elderly, and the concept of comparing with each other is particularly strong. Many young people can't earn money, and they are willing to be old when they have the conditions, but they can't afford to be old in borrow money to spend. As a result, some young people are heavily in debt.

why are the post-9s generation responsible for so much? I am a post-9s generation, and I am in debt. I think there are several reasons why I am in debt.

First, I live in the infant of my parents. Although my parents are also part-time workers, whenever I need money, he will always remember me without hesitation. When I was studying, when I said I didn't have any money, my parents would lend it to me. Maybe it was because I was too fond of me. I don't know the hardships of life at all, and the hardships of making money will form this extravagant spending habit.

second, everyone's life is better after 199s, and this kind of comparison psychology is getting heavier and heavier.

you want to buy a car when you see someone else buying a car, and you want to buy a house when you see someone else buying a house, but your income may not be high. Your savings can't let you buy a car or a house at one time, so you pay in installments, and naturally you are in debt. You have to spend money every month, and you have to pay off your car loan and mortgage. You have been in a state of deficit, so debt is inevitable again. I am this example myself.

There is a third materialistic society, where there are more and more temptations, such as routine loans, online gambling and WeChat red envelopes. After 9, I am in debt, losing money every day, and naturally want to make money. I may have accidentally leaked this whirlpool, and I can't extricate myself from it. I am like this now. I lost a lot of money and wanted to win money, but I ended up in the whirlpool.

So I said that there are many reasons for the post-9s debt. Only one small reason can make it difficult for you to turn over, making it very difficult for you to turn over. Maybe only when you really realize the hardships of life will you get further and further into debt. Come on, yourself! Work hard and stay away from debt. I must think twice before I face all kinds of temptations in my life. I am now a person with a debt of more than 1 thousand. I really understand the hardships of debt. It's really hard to live in hot water every day.

I'm less than 3 years old now, and I'm basically married. Those with high debts should belong to the mortgage, and the mortgage can be repaid for half my life.

I'm a post-95 generation, and my current debt is ! A year ago, I was in debt of 14 thousand! Since the media can really change a person's life!

This is Altay, Xinjiang.

First, young people have different consumption views, such as clover and Nike when we usually buy shoes and clothes. We usually have 7 to 1 people for dinner, and the consumption is 8. Young people cook little by themselves and often eat out. A meal costs 2 to 4 yuan per person.

second, car loan and fuel consumption. Watching everyone buy a car, I want to buy it myself, and since then I have gone to a point of no return.

thirdly, the expenses of mortgage, rent, water and electricity, property and garbage management.

Fourth, our salary ranges from 25 million to 1,. Most people think that 1, is impossible, but it is too normal for some insurance employees to earn millions a year. Most people belong to the level of around 3, especially young people.

income can't support a person's basic expenses at all, which leads us to use credit cards, spend money and borrow money. Debt of around 1, is normal.

I got married in 1994, and I got 3,2 yuan every month. I don't need mortgage or car loan. I eat 1, yuan a month, refuel about 1, yuan, and give 1, yuan to my children. The money for marriage was withheld by my wife and mother (2, yuan), and 1, yuan was wasted, resulting in no savings. The rest of the events can only be lived by borrowing money, and over time it becomes a debt of 1, yuan < P > First of all, the social competition is fierce, and it is difficult for young people without foundation to succeed, or the process of success is very long. Secondly, if there is no good direction and personal ability in today's society, it is difficult to succeed simply by taking exams. Thirdly, there are so many examples of getting rich for nothing or by real estate speculation and demolition that young people think that this society is an era of opportunity. Finally, there are more than

reasons why those young people with direction and pursuit did not give full play to their personal ability or team ability correctly in the process of starting a business or employment, which caused those young people who were idealistic, failed in starting a business and were trying to succeed to bear huge debts.

The generation born after 199s is in their thirties, and they are all faced with big life events such as "getting married, having children, buying a house and a car".

It didn't take long for the post-9s generation to work in the society, and their salary was average.

Most of the parents born in 199s still work in general, and their families can hardly help them. Just "getting married and buying a house" will cost a lot, and the mortgage alone will cost hundreds of thousands of dollars, bearing debts for decades.

and now the consumption level is getting higher and higher, the pressure of life is getting bigger and bigger, and the wage income is not much higher, which will inevitably make most of the post-9 s generation in debt for a long time, and show a trend of more and more debts.

This is also an important reason for the large-scale criticism of the speech "After the Waves" on the Internet during the May 4th Youth Day. Life is hard, but how wonderful it is, it will inevitably cause dissatisfaction.

However, no matter how much debt we have, we still have to believe in the future, and we believe that indomitable efforts can change the status quo of debt and realize a happy life.

a big difference between 9 s and 8 s and 7 s is that their ideas are different.

The main concept of the post-9s generation was formed after 2, and consumer tools such as Alipay and credit cards appeared, which brought brand-new consumption concepts.

People born in 197s and 198s generally choose to save money before spending. However, after the appearance of credit cards and other tools, it is different. As long as you can maintain your credit, even if your income is different, you may mobilize more funds. A post-9s girl I know has a credit card with a credit limit of more than 5, yuan.

Although her position is not high, everyone jokes that she is the richest person in our office. Therefore, pre-consumption has become the daily life of many post-9 s.

On the other hand, pre-consumption tools such as credit cards also make mass consumption possible. Like the little girl in front, if they want, they can spend hundreds of thousands of dollars to buy it at any time. This is relatively rare after 7 s and 8 s. Generally speaking, people who used to tend to spend in bulk must be cautious.

on the other hand, the post-199s generation is likely to have large-scale expenditures of a loan nature.

Lao Wei is a carpenter in a neighboring village and a worker of my father's. I call him Uncle Wei. I have done a lot of work in our local countryside these years, and I should earn a lot of money. Only a few years ago, a small foreign-style rural villa was built. Last year, the old van that had been in operation for several years was replaced with a new car of 2, yuan, which should be considered quite good in rural areas. But not long after the new car was replaced last year, I heard that Wei Shu's 2, car was sold for 17,. At that time, I was curious about why. Obviously, Wei Shu's family conditions were not bad, and I didn't hear anyone say that anyone in the family was seriously ill and had no money to treat him! Later, I learned the reason why Wei Shu sold the car in the small talk of the villagers.

Originally, Uncle Wei earned a lot of money in recent years. He not only built a new house and bought a new car, but also prepared 2, yuan for his son when he got married. The idea is good, but just the year before last, someone suddenly called Wei Shu and said that his son owed them 12 thousand. Now he doesn't pay back the money, so he can only call Wei Shu to ask him to pay it back.

How can a child owe more than 1, yuan to others when he is still studying well in college? Wei Shu thought it was a liar who called to cheat money, so he called his son to check it out, but Wei Shu's son didn't answer the phone at all. Wei Shu suddenly became worried and immediately drove to his son's school to see what was going on. I didn't see my son when I arrived at school, but I learned through my son's roommate that his son borrowed online loans and couldn't afford to pay back the money. Now he is being urged by others every day, and now he is hiding outside and not at school.

Later, I finally contacted my son Xiao Wei through my son's classmates, only to know that the living expenses that Uncle Wei gave him every month were not enough for him. Xiao Wei spent more than 1, yuan on a pair of shoes, and more than 8, yuan on a mobile phone. He went out to have dinner with friends every once in a while, sent all kinds of expensive gifts to his girlfriend, and stayed outside in a hotel with his girlfriend. For a college student, this consumption is not high. However, Uncle Wei only gives 2, yuan a month for living expenses. Even if he adds 1, yuan to the love fund after knowing that Xiao Wei has a girlfriend, 3, yuan a month is not enough.

I happened to see the advertisement of online loan when I ran out of money at one time. I originally thought I would borrow some money and return it when Uncle Wei paid the living expenses next month. But when you spend money, you won't realize how much you spent. In two months, Xiao Wei borrowed 5, yuan from several platforms, which was very handsome, but when you paid back the money, you found that it was not enough, and you needed to pay back more than 1, yuan. Xiao Wei tricked Wei Shu into applying for the postgraduate entrance examination and asked Wei Shu for more than 5 thousand registration fees, but only enough principal, and more than half of the interest was not paid. Finally, Xiao Wei simply chose to escape and did not answer other people's calls. The collection call was made to Wei Shu's mobile phone. After understanding the incident, Wei Shu took the money to pay off all the remaining debts, told Xiao Wei to study hard at school and stop borrowing money, and added 1 yuan to Xiao Wei's living expenses.

but it's easy to be frugal and difficult to be frugal. Although Xiao Wei now has a living allowance of 4, yuan per month, he still can't meet his high consumption. After less than two months, he began to find various reasons to ask Wei Shu for money. However, after asking for tens of thousands of dollars, Wei Shu didn't give him money easily. Xiao Wei started to borrow online loans again. He might think that Wei Shu would eventually wipe his ass and borrowed 18, yuan at once. When several rounds of interest rolled down, several platforms had to pay back 6, yuan.

when he couldn't pay back the money, Xiao Wei played the old trick, that is, he didn't answer the phone, and even worried that the collector would come to school to find him, so he didn't stay at school much. The collector couldn't find Xiao Wei, so he called Wei Shu's mobile phone again. Last time he owed 1 thousand yuan, Wei Shu's deposit could still solve the problem, but now he has more than 6 thousand yuan at once. How can Wei Shu pay back so much money? After discussing with the online lending platform, I finally paid off 4, yuan to Xiao Wei.

It was still not enough for Wei Shu to withdraw all his savings. He sold the car that he had been driving for less than half a year, and borrowed tens of thousands of dollars from relatives and friends to fill the hole. Wei Shu realized at this time that he couldn't let Xiao Wei go on like this, that is, Wei Shu earned some money in these years, otherwise he couldn't fill it completely. Anyway, Xiao Wei basically didn't learn anything at school, and he failed the exam in a big mess. He simply dropped out of school and took Xiao Wei to work beside him, lest he borrow money again outside.

Some people say that there are more and more post-9s people in debt. Why is this happening? In fact, there are two kinds of people who are in debt after 199s: < P > One is people like Xiao Wei who have not established a good consumption concept. Some post-9s people can't see clearly how much money they have, so they can spend it as long as they can get money. Now, the threshold of various loans is really not so high, which also leads many people to exchange their credit for money to spend ahead of time, just spend money and have fun, so they won't care about paying back the money. It is also true that young people now face more temptations, coupled with various consumer psychology that leads to debt.

the second is the person who is in debt because of the house. In the past, when the house price was not high, the couple could save money to buy a suite after a few more years of hard work, or some rural areas simply built a house in the countryside. However, the current housing prices are too high. Not many people can buy houses through their own abilities after the 199s. More people want the support of their parents. Even with the support of their parents, they have to borrow a lot of money from banks. Many post-9s liabilities are mortgages.

In my personal opinion, except for the post-9s generation who have not established a good consumption concept, the debt of many others is relatively understandable. The youngest post-9s generation may still be studying in university and have no ability to earn money at all, while many post-9s generation just started to earn money after graduating from university, but if they are in some big cities, the money they earn every month may not be enough for normal living and consumption. The first batch of post-9s are already married, and need to bear the mortgage, children's expenses and so on.

The post-9s generation is the product of a special period, and its characteristics are as follows:

1. Compared with the situation that the post-8s generation basically has multiple brothers and sisters, the post-9s generation was born under the national family planning policy, most of them are only children, and one person needs to be responsible for worrying about the support of the next four parents, while the post-8s generation is generally shared by several brothers and sisters;

The post-199 s are a kind of people with the characteristics of the times. They enjoy the dividends brought by the rapid development of reform and opening up for decades. They basically grew up in a greenhouse built by their parents, and their ability to endure hardships is not as good as that of the previous generation. They yearn for freedom and like the convenience of the city, but they are subject to the distribution restrictions of limited resources in the city.

3. With the opening of culture, the post-9s generation is more innovative and visionary in thinking than their parents' traditional thinking. The unwilling status quo derived from the dream meets the cruel reality, leaving a mark that you are still young on the face of the post-9s generation.

4. High salary and high IQ reflect the difference between the generation of 199s and the previous generation, but high house prices and high prices are also like mountains pressing the once bohemian generation of 199s. The age of getting married is getting closer and closer. When you think you have your own sky, you find that your feet have been imprisoned.

After 5 and 9, I like freedom and yearn for life. Coupled with the idea of spending in advance, spending first has become a habit rather than a plan in an era when I can spend freely with a mobile phone.

In short, the post-9s generation looks beautiful on the surface, but in fact, most of them are overdrawing the future to live today.