So, what are the differences in the concepts of wealth among the three generations born in the 70s, 80s and 90s?

1. How to arrange the payment of wages after receiving them

After 70, how to deal with the 70s, 80s and 90s respectively?

After 70s: Keep the next month’s living expenses and deposit the rest in the bank as soon as possible.

Post-80s: Save your living expenses, deposit the rest in the bank, and invest some in stocks.

Post-90s: "Buy, buy, buy." Apple 7 is coming out, so hurry up and save two months' salary to buy it.

2. Perception of "money"

Post-70s: "How to make money", how much bank interest rates have increased (decreased) recently, and how to save money to earn more interest , which investment method has the most stable returns now, etc.

Post-80s generation: "How to repay the money?" How much housing loan to repay this month, how many red envelopes to prepare, how is the stock market, etc.

Post-90s: "How to spend money", how much rent to pay this month, what to buy, how much credit card loan to repay, etc.

3. Investment risk preference

Post-70s generation: "low risk". The risks of stocks and futures are too great. It is better to seek stability and keep money in banks for interest, etc. Or wouldn’t it be good to buy some fixed-income products on the online loan Tuotiansudai platform?

Post-80s: “high risk”, the returns on investments such as bank deposits and treasury bonds are too low. You can't make much money even if you invest all your money, not to mention that banks also have risks. In the final analysis, stock trading is more cost-effective. Although the risks are a bit higher, the returns are also high. Some stock trading is not a matter of luck.

Post-90s: "Zero risk", what kind of investment? This salary is not enough for living expenses, so how can you still have money to invest?

4. Attitude towards spending money

Post-70s: "Save if you can", increase revenue and reduce expenditure, save if you can.

Post-80s: "Spend what you have to spend". You don't earn much and you don't have much loans, but you still have to spend. Isn't making money just to improve your life?

Post-90s : "You must spend it." Of course, you can spend money by making money. Otherwise, why make money? Do you wait until you are old to spend it? Can a skirt worn at 25 years old have the same effect as when worn at 52 years old?

5 , Opinions on insurance

Post-70s: "You don’t have to buy it." At this age, I have never used insurance, so what’s the use of buying it? It’s okay if you have money, but it doesn’t matter. If you suffer a loss, don’t join in the fun if you don’t have money.

Post-80s: "Should buy it", many people often say: "If I had known... I would have..." If we don't take precautions in advance, it will be too late when a disaster occurs! So it is necessary to buy insurance Necessary, but family financial ability must be considered.

The post-90s generation “must buy” insurance. Of course, they must buy insurance. If money has not depreciated but people have devalued first (such as injury or disability), what should we do?

As the saying goes, There is a generation gap in three years, there is no communication in five years, and there is a generation gap in ten years. Regarding the above-mentioned differences in the five concepts of wealth, it is really impossible to judge which generation's concept is correct. It can only be said that the background of the times is different, and each generation's concept of wealth is also different.