As a bank employee, I can tell you clearly: If you have 3 million yuan in the bank, your annual interest income will exceed 99% of the working class.
your whole family doesn't need to go to work, just count money at home every day. With the interest of the deposit, you can live a carefree life.
1. China's top billionaires
Many people have no idea about money. They have watched too much news, and they always feel that there are millions and billionaires everywhere.
cash is not the same as assets and shares.
those rich people who claim to be worth more than 1 million yuan may be in the bank and can't even take out 5 million deposits.
With 3 million yuan, he definitely belongs to the top rich in our country.
2. Weight and quantity
3 million. If all of them are 1 denominations of RMB, that's 3, pieces.
suppose you want to lose all this money. Counting one card a second, only 86,4 cards a day without eating or drinking.
it will take you more than three days to count so much money. It can be completely cured. Your insomnia is gone.
A 1-denomination RMB bill weighs 1.15g.. Thirty million is 3, RMB with 1 RMB, and the weight is:
3,, 115 grams, 345, grams
345 kilograms
If you want to carry so much money home at one time, it is estimated that at least six or seven people should be invited to help you carry it.
It's piled on the coffee table in your living room, and the slightly poor quality can't bear the weight of so much money.
3 million yuan is in the bank, so it is definitely possible to negotiate the interest rate with the bank. As for how high it can be negotiated, it is not clear.
let's calculate according to the most common interest.
1. Fixed term for one year
At present, the interest rate of state-owned banks for a fixed term of one year is only 2.1%. If you deposit 3 million yuan for a fixed period of one year, the interest at maturity will be: < P > 32163 < P > On average, it will be 525 per month.
A family with a monthly income of more than 5, yuan can be regarded as a high-income family if it is placed in any city in China.
Even for a family of five, the average monthly income of each person is more than 1, yuan, which is enough to live a carefree and carefree life.
2. national debt
the latest national debt has a three-year interest rate of 3.35% and a five-year interest rate of 3.52%.
If you buy 3 million yuan into three-year treasury bonds, the annual interest will be:
333515 million yuan
If you buy 3 million yuan into five-year treasury bonds, the annual interest will be:
3352156 million yuan
If ordinary people want to deposit one million yuan, they need to work hard all their lives. And you have 3 million, buy a national debt, and the annual interest will exceed one million.
Your family income has surpassed that of middle-class families. Basically, it can be regarded as the degree of realizing wealth freedom.
shopping, shopping and eating can be done without looking at the price.
3. Steady financial management
Like the current steady financial management of banks, the expected returns are all between 3.5% and 4.%.
the 3 million big customer is definitely a super VIP customer of a bank and a private bank, and they are all equipped with the best financial management.
Even if we calculate according to the interest rate of 4.%, there will be interest every year:
341.2 million
On average, it will be 1, yuan per month.
A family earning 1, yuan a month can kill 99.9% of the working class.
to put it bluntly, let alone 3 million, that is, 3 million over ten. Most of us can't earn so much money in our lives.
you can do a simple calculation.
if you save 1, yuan a month, it will only be 12, yuan a year.
if you want to save 3 million yuan, it will theoretically take 25 years. When you want to start from the Southern and Northern Dynasties, you should start to save money.
if you save 3, yuan a month, you can save 36, yuan a year. It will take more than 83 years to get less than 3 million.
Then you also need to save money from the Southern Song Dynasty.
even if you can save 1, yuan a month, you can save 12, yuan a year. It will take 25 years to save 3 million yuan.
as we often say, the annual salary is one million, and it will take 3 years to save 3 million without eating or drinking.
So, having 3 million yuan is definitely a big winner in life.
As long as it is not extravagant and wasteful, the interest income is enough for a family to live a carefree and happy life.
interest of RMB 3 million a year. The most conservative estimate is about 1.5 million a year. In other words, it is equivalent to a monthly income of about 12, yuan.
in the absence of special circumstances, a family's living expenses for one month. About 2 thousand yuan.
that is to say, there are 3 million RMB yuan, and there are 12, RMB yuan for family expenses every month without any loss of principal, which is completely enough for ordinary families.
whether in a first-tier city like beishangguangshen and Shenzhen or in a small county, the expenditure of 12, yuan is enough to be considered as a wealthy family.
no, according to your tone, not to mention 3 million, even 3 billion is not enough for a lifetime.
If a person rashly suggests that 3 million is enough for the whole family for a lifetime, it is obvious that 3 million is only equivalent to 3 million and 3, in the eyes of ordinary people.
From the tone of asking questions, we can imagine that it should be such a person to ask such questions. A successful person in China's first tier cities lives in a mansion worth hundreds of millions, drives a luxury car worth millions or even millions, and his clothes are also valuable, not to mention tens of thousands of belts and hundreds of thousands of clothes, and the water he usually drinks is also imported from France. Even a kitchen knife is made in Germany, and its value is about 6 thousand. Nothing, taking my family to Hawaii for a holiday, driving a luxury yacht and drinking tens of thousands of bottles of red wine-
just imagine, is 3 million enough for such a luxurious life? Obviously not enough.
for an ordinary person who earns only three or four thousand yuan a month, even three million yuan will be enough for the whole family for a lifetime without thirty million yuan.
So, for the questioner, 3 million is not enough for the whole family to use for a lifetime. What should we do?
Keep working hard and try to add a zero after 3 million. For us ordinary people, it is very good to save 3 thousand this year and strive for 5 thousand next year. Happiness seems within reach.
Life is not what you want to live, but what you remember.
If you mean cash, that's enough. If you buy a trust for 3 million yuan, the income will be about 2 million yuan a year, which will be more than 16, yuan a month. Let's not talk about rich families, but the living standard of most ordinary families, the young couple will spend 1, to 2, a month, and if they have children, they will only spend 2, to 3,, and 16, is enough to raise a second child and three children. Even if you don't buy a trust and buy a large amount of wealth management, you can have about one million a year, which is equivalent to 8, a month, which is still enough to spend.
this question is not qualitative. Because 3 million is definitely more than enough from the concept of normal consumption. But the problem is that the concept of enough for a lifetime cannot be summarized as a whole. Because there is a saying in China, "A family with millions is not rich, and a poor plan will lead to poverty". Personal opinion.
3 million will definitely be enough! For us, after the baptism of assets and liabilities, vanity, superficial face and other issues are no longer considered! Therefore, generally only food, shelter, play and development are maintained, which is absolutely enough! At the same time, if you are in the countryside, you basically don't have to buy food and shelter, grow vegetables, raise chickens and raise fish by yourself, and the monthly expenses are the expenses that everyone needs except some things in the village, children's schooling and so on. So even if you don't deposit it in the bank, you can spend enough! I'm afraid that some illegal bank personnel will take the money at random, and the media often report that they can only save some or none.
In a word, no matter how much money you have, you should continue to work hard and not sit on empty pockets! You can't idle away! Can't muddle along! Even with $1 million, we should work harder to help more China people to provide solutions to various problems! Create a * * * rich normal village and a demonstration site! Use Mao Zedong Thought to build a truly * * * prosperous and * * * capitalist society! This is a man of noble character! We can't be mercenary and forget the righteousness! Be rich before you forget to be rich after! The former rich should drive the latter rich!
It's better to discuss how to make everyone rich! It's good to pay attention to everyone's happiness? To win everyone's heart! Because excessive concentration of wealth will lead to the gap between the rich and the poor and lead to social unrest and chaos! Let people have a hatred of the rich! Jealousy, comparison! This is not conducive to social development! Those industries that work silently will be psychologically unbalanced! Will complain, will be distorted, will be aggrieved!
Therefore, we must adhere to Mao Zedong Thought and build a harmonious and dedicated family with prosperity! At that time, there was no money interest relationship, not only profit, but also heroes who made money, so there were examples of dedication such as Lei Feng! Therefore, we should also study Mao Zedong Thought again, how can we make everyone * * * rich together, and form a beautiful society that helps each other, is not greedy, is not selfish, and loves the world without borders!
Yes, 3 million yuan is enough for a family to use for a lifetime. If it is not lavish, it is really a blessing from previous lives. Work hard to earn money, teenagers!
how many companies can have 3 million now? Don't say that 3 million is three million, which is not much. That depends on how to use it. For example, investing in stocks and buying futures may not be enough. If so, ordinary people can't spend it all in one generation.
that depends on how to use it! Life is definitely no problem! But if we talk about buying a plane, I think it's not enough! [Laughter] [Laughter] [Laughter] [Laughter] [Laughter] [Laughter]
Most families can't earn 3 million yuan in their lifetime.