Let’s talk about my personal situation. The real income of these years in Shanghai in 1982 is roughly as follows. The following is before tax in 2004. There was no income from college in 04-05, and the monthly income was 1500-2000. In 2005, the monthly income was 2500-05 when I changed jobs.

~Monthly income in 2008 is 2,500~5,500. In 2008, monthly income is 8,000 when changing jobs. Monthly income in 2008~11 is 8,000~11,000. In 11~13, annual income is 15W~30W. In 13~15, annual income is 30W~60W. In 16~18, annual income is 60W~

80W has just passed 1M in 2019. My family background is average and my income was low in the past few years since I was not in a prestigious school. I just bought my first house in 2015.

But I am already considering a third home.

I am one of those people whose sincerity is average but generally lucky. I am not a successful person but I am very grateful.

I feel that life is about doing the right thing at the right time. When I first came out, my income was never high. I also had conservative views and a hesitant personality. I missed several periods when housing prices soared, and I was destined to miss the opportunity to make a fortune.

However, the rewards of hard work and perseverance allowed me to successfully establish myself in Shanghai from a background in a fourth-tier city and a non-prestigious school.

So at any time (1) you must persist in hope, continue to work hard, and wait for the opportunity (2) don’t miss the opportunity when it comes. Ordinary people may only have three or two opportunities to really change their destiny (3) If you want to change the opportunity, you still have to wait for it.

There are too few opportunities in big cities and small cities.

Finally, let me say that most people are actually at the same level, and it is also important to persevere in difficult situations.

In 1987, a salaryman worked in a factory with his wife, working day and night shifts, once a month. The average monthly salary was about 4,500, and the annual income was less than 60,000. The location was in Wuhu, Anhui.

The monthly mortgage is 1,600 yuan, the water, electricity and phone bills are about 400 yuan, the living expenses are about 1,000 yuan, and the gas for a domestic mobility scooter costs 200 yuan, so I drive it relatively rarely.

Occasionally, I have a favor, and the baby milk powder and diapers cost about 1,000 yuan, and I basically can't save any money every month.

It costs about 7,000 to 8,000 yuan to maintain a car a year. I don’t drive it much, and the insurance is about 3,000 yuan. I basically travel around the neighborhood, go back to my hometown and my wife’s house during holidays, and sometimes go out.

In the windy and rainy winter, I drive to and from get off work, but the weather is warm. In summer, I ride an electric bicycle. The commute is only 6 kilometers. It is convenient to ride a bicycle and go directly to the downstairs of the unit in the community.

It's troublesome to drive in and out of the underground garage.

The annual parking fee and property fee are about 2,000 yuan.

I was born in 1982, currently have a bachelor's degree, and am a native of Xiamen. I worked in a municipal engineering company for 1 year, worked in China Mobile for 6 years, and started a business for 5 years. I have opened physical stores, online stores, and delivered fast food. I have been in the logistics industry.

I have worked in the food industry, finance, and e-commerce for 5 years, and now I am running business for a software company in Xiamen. Not to mention my previous salary, I have received an average of about 6,000 per month in the past year, and I travel for about 15 to 20 days a month.

To be honest, it’s quite tiring. Maybe I’ve experienced too much and I don’t want to give up easily, so I went all out (I started working in society in 2001, and I have 18 years of work experience this year. I have worked for nearly 10 companies, and most of them have closed down.

It’s really not easy, so I cherish it. I have persisted in this company for a year, and this year will definitely be different!) I am a post-80s generation currently living in Foshan, running a clothing business in Guangzhou, and have three monthly houses.

Since I quit my job in 2017 and started my own business, my fixed monthly income has been only 4K, and it has remained unchanged for more than two years.

All living and mortgage expenses can only rest on the laurels.

A hard-working migrant worker in Shenzhen. I have been working in Shenzhen for about ten years. From a monthly income of 1K in 2004, to the couple's monthly income of about 25K at the end of 2016, I have never saved enough for the down payment to buy a house in Shenzhen.

At that time, whenever I had extra money, I would look for places to invest it. I would invest ten thousand or ten thousand in stock market funds, I would invest forty or fifty thousand in surrounding cities to buy small houses, and I would invest fifty thousand or ten thousand in a small shop for my relatives.

Taking care of it, most of the returns are not ideal.

I had an entrepreneurial experience for 15 years and had about 100,000 spare cash at the beginning of the year. I invested in a clothing business. I am a 50/50 partnership with my sister. I own the full share. She has experience and project introduction. She is full-time and I help her part-time. I pay her every month.

salary.

For this business plan, ask your friends to help evaluate it to see if there is anything unreasonable.

This project was very successful. After two years of operation, the turnover increased every month, from the initial monthly income of 100,000 to one million by the end of 2016.

In 2015, the dividend was about 100,000 per person, and in 2016, the dividend reached 400,000.

At the crossroads of life at the end of 2016, I saw that the project prospects were getting better and better, but there were not enough management personnel to expand the business. In addition, I have one year to turn 35, and 35 years old is a threshold for working in Shenzhen, and the work pressure is increasing; my daughter will be pregnant next year.

I am about to go to elementary school; there are no houses in Shenzhen, so this is not a suitable place to spread out.

Based on the above reasons, it became my final decision to give up my job in Shenzhen.