Middle-aged people don't look at your savings, but how much burden you have!
When people reach middle age, their burdens are less, their parents and in-laws are dead, and there is only one child. Will it be a heavy burden for them to bring up a child? Will saving be important? It would be nice to have a house, a car and a stable job!
When people reach middle age, their parents often get sick when they are old, and their parents-in-law have to take care of them when they are old. They just had three children, and they haven't been born yet. What should such a family do? Don't worry about saving money, don't worry about saving money!
People's anxiety depends on your burden, it doesn't matter, whatever! The burden is very heavy, even if there are thousands, you don't rest assured!
Life is long, and the burden will not be less. What should I do? Share it yourself? One-child families should not look for one-child families. No matter how rich they are, it is impossible for a husband and wife to take care of four old people. Once someone is sick, one of them must ask for leave. How can he work when he is in his forties? Which corporate company will be willing? Unemployment is certain. It's okay to have money, but it's even harder to have no money. Grandparents or grandmothers, which is the antidote?
When people reach middle age, they must reduce their risks. There is no need to continue to engage in high-risk futures allotment. Just buy some fund bonds!
I am 48 years old and my husband is almost 5 1. If I save it, it's a little, not much, just enough for my child to go to college for four years.
The reason for this small amount of money is mainly that the money in front is used to buy a house for decoration.
Originally, I thought I could sell the old house, so that hundreds of thousands of people could support the elderly. As soon as the results were released, they caught up with the epidemic in 2020, and house prices kept falling. I can't sell it until now.
Now that we are all so old, except for the children's tuition, we basically have no savings. Every month, when the salary arrives, we have to pay the mortgage and pay the children's training fees to barely make ends meet.
Worst of all, wages have dropped this year, and they are often not paid on time.
Life is harder, and it is even harder to save some money.
How much savings to worry about? I feel that there is no mortgage and car loan, and there are more than 500,000 people and more than one million families in my hands. Basically, I don't have to worry.
Why do you say that?
I am about to retire, and the social security base paid by the company is low. I asked about the salary of retirees in the company, which is the same as mine, but it is only two or three thousand a month.
If you don't have a mortgage or car loan, you have 500,000 yuan in the bank, which means you have 20,000 yuan in interest, only 1500 per month, which can make up for the shortage of pension.
Even if you are not approaching retirement like my family, it's good to have tens of millions to millions in your hand. There are urgent things to deal with at home, and there is income every month.
My goal is 100W. For example, if I have 100W, according to the general time deposit, I will deposit 1. 1 10,000 in 320 yuan, and110,000 is 32,000. Under the condition of normal salary, I will get an extra 3000 yuan a month. Isn't this a good life?
I only hope that there will be 6.5438+0 million in the future, so that the principal will not move and I can live with interest. Of course, in a small town in the northeast, it is not easy to have a deposit of 6.5438+0 million. . .
This question is actually of little significance. If people start to make money when they are young, they will have some savings at home in middle age. As for the estimated amount, no one will tell you the exact amount.
People are actually very tired when they are alive, and they are all moving forward. There are many variables in life. If you simply do arithmetic, the pressure will not be too great.
If a son is born at home, the pressure will be relatively greater. As we all know, to adopt a son, you have to cooperate with your son to buy a wedding room and let him marry a daughter-in-law to go home. If the conditions are better, you have to buy a car.
Therefore, a real middle-aged person, no matter how much wealth he accumulates, will eventually give it to his son, and all his savings are for his child's marriage. The money saved after this process is the real savings of middle-aged people.
Now I always say don't be a slave to money, that is to say, look down on things. My children and grandchildren have their own blessings. Don't give them too much, I also want to save some money for my old age.
As for what you said, the amount of savings is not worrying. There is really no specific amount. People are dissatisfied with the quantity all the time. If there are more, they will think more and always count on this and that.
If you don't want to be anxious, you should always keep a good attitude, live every day in front of you, don't worry about how much money you have, and don't compare with others. Comparing with others will only add more troubles to yourself.
Let's take this problem as an example. You ask others how much wealth they have. If everyone tells you the truth, your mind will collapse. There are many poor people and many rich people in this society. You know how anxious you will be. When you ask this question, you are already very anxious.
Relax, friend, cherish the present, be happy and healthy, and cherish it when you do it!
Saving can hardly give people a sense of security. Inflation, living in the open space can make people very anxious. Just imagine, 30 years ago, it would be nice to have a deposit of 100 yuan, but now you can't change a kitchen in Beijing.
Stability can really bring people a sense of security and a stable cash inflow. The same is true in enterprise management. The monopoly capital of the management, especially the monopoly enterprises in the consumer industry, such as Nike, is more willing to pursue sustainable and predictable returns than short-term profiteering.
When people reach middle age, their greatest wealth is their family and their own health. Good health, good mood and high efficiency.
What costs a lot now is to see a doctor. How can I live without disease? You can also slowly save money. But a healthy body must be managed in advance.
There are two questions here:
One is saving. As for the amount of savings, if a person saves more, he will spend it where he thinks it is necessary, and naturally he will save less. Then he will continue to save and repeat.
The other is anxiety. If a person is naturally anxious, how much money he has will be anxious. For an optimistic person, there is no anxiety. If you have anxiety, you will work hard and you will have results.
When people reach middle age, there are not hundreds of thousands of people who are uneasy. The key is that they spend more money, earn less and have more debts now. They are penniless.
When people reach middle age, they worry about everything. As the backbone of the family, it is false to say that they are not anxious or worried. If it is a working-class family with a house and a car, and all three have a fixed monthly salary, retirement salary, medical insurance and savings, there should be no anxiety. If you don't have a job but have land, build your own house and rent it yourself, don't worry about saving. Of course, these prerequisites for not being anxious are: good health! According to common sense, middle-aged people have a house, a car, savings, a sense of security in their old age, their parents are alive, and their children are filial, which is the best way of life. But how many people can achieve or reach this state? I think it's rare! Because many middle-aged people in our society lack the corresponding sense of security and have no immediate worries, we must plan ahead, or worry about what will happen in the future, and make some preventive preparations as soon as possible, so I feel anxious about how much savings I have. After all, the heart is not strong enough, and there is not enough confidence. In fact, in today's social stability, family harmony, good health and family safety, we can content, which will reduce a lot of anxiety.