Share experiences:
1, find a job that you are good at, or a job that can give full play to your advantages, so that you can make achievements easily and earn a higher income. Or, simply like money, even if you don't like it, you should force yourself to challenge high-paying and high-pressure jobs, such as sales consultants and salesmen in various industries. Although the work is humble and hard, the annual net income is still 8-65438+ million+.
2, earn income, in order to preserve and increase value, try not to deposit in the bank, because it can't run away from the inflation rate. Therefore, it is best to invest your income in Public Offering of Fund every month, and choose a consumer fund with the best income and a small position affected by economic fluctuations, which will make your income grow rapidly. In this way, it is equivalent to accelerating the accumulation of assets.
Buffett said that one's most important investment is who to marry. Find a wife who doesn't worship money, spend money indiscriminately, and work together to accumulate wealth. In this case, the average family can save one person's salary after deducting expenses, leaving 80-65438+10,000 yuan each year.
4. Therefore, the first 1 ten thousand yuan in life can only be realized after working 10 years. Then consider buying a house, getting married and other expenses. Plus the income of the object, in another 5-8 years, there will be 1 10,000 deposits.
The above is my experience as a grass-roots employee and an ordinary office worker. I don't think it is difficult. My goal is to have 2 million deposits (financial assets that can be quickly realized, excluding houses, etc. ) before the age of 40. Ordinary office workers can achieve the highest financial investment as long as they work hard. I hope it helps you.
It is really difficult for an ordinary family to deposit 6,543,800+0,000. At present, there are only a few people whose household deposits exceed 6.5438+0 million. As an ordinary person, it is really difficult to save 6.5438+0 million.
It is still very difficult for ordinary people to save 1 10,000. If the average annual salary of employees in different positions is calculated according to 20 18, the average annual salary of employees in China is 68,380 yuan, with an average of 5,698.33 yuan per month. If five insurances, one gold and personal income tax are excluded, the average monthly net income is about 4,500 yuan.
Generally speaking, for an ordinary family, if a family of two goes to work, everyone's income is probably average. In this case, the average family's net income is 9,000 yuan a month and 6,543,800 yuan a year.
If you spend 4,000 yuan a month, you can save 60,000 yuan a year. In this case, it may take more than ten years to save enough 654.38+0 million.
So it can be seen that it is still difficult for ordinary people to save 1 10,000.
It may be easier to earn a high salary. If your salary is high, it may be easier to save 654.38+0 million. At present, there are many enterprises with high wages, such as Huawei, Alibaba and Tencent. If you work in these enterprises, it may be relatively easy to deposit 1 10,000.
The average annual salary of Huawei, Ali, Tencent and other enterprises can reach about 700,000 yuan. In this case, if one person in your family works in these high-paying enterprises, then a family may be able to save 6.5438+0 million in two years.
Therefore, it can be seen that if the salary is high, it may be relatively easy to save 654.38+0 million.
Conclusion To sum up, if it is an ordinary family, the deposit of 654.38+0 million is very difficult, and it may take more than ten years to save. If you are a family working in Tencent, Ali, Huawei and other companies, it may be relatively easy to save 6.5438+0 million, which may only take about 2 years.
I am also the oldest post-90s generation. At present, I have two suites in Suzhou with my husband, and the cash is about 1.2 million.
It is not easy for an ordinary family to save 6.5438+0 million yuan. Unless the income is particularly high, or there are sideline and investment besides the income. The average monthly income of families in China is only a few thousand dollars. From this perspective, the probability of saving money only through wages is relatively low.
Then how do we save up to 654.38+0.2 million?
Through income accumulation, my husband and I currently earn 450,000+,including 30w for me and 15w+ for my husband. The income only came up in the past two years. At the beginning, the two people were only tens of thousands of dollars, and the real salary saved was about 60w. Others rely on some investments.
I invested in real estate in my early years, and took advantage of the low housing price in Suzhou to buy a single apartment of 14. Now married, let it out, the rent is 4w a year. Mortgage is guaranteed by provident fund.
Two years ago, housing prices in northern Jiangsu rose, and I went to my husband's hometown Taizhou to invest in a school district. At that time, the down payment was not enough, and it was all cash loans. At the beginning of this year, the net profit was 30w.
Because I know more about P2P and have worked in P2P companies, I invested hundreds of thousands of P2P, persisted for several years, and probably earned 10w, and some of them are still there.
Like stock funds, after the disaster of 15, I gave up and felt that I really couldn't hold on.
I have a whole sideline in my spare time. I opened a Taobao shop from 12 to 14. I didn't make any money or lose money because I worked part-time. Then I got busy and gave up.
I opened a Taobao shop again this year, and I'm still losing money. .
During the period, I also opened a noodle restaurant in partnership with my friends, and invested 50,000 yuan. Later, I closed down because of the road repair business.
So the sideline didn't make any money.
Generally speaking, if a family wants to save money quickly, it is definitely not possible to rely solely on wages. Open source and reduce expenditure, it is much easier to make use of the resources at hand to make the funds alive. How difficult is it for a family to save 654.38+0 million?
Anyone who has saved money should know that this is no ordinary difficulty.
According to statistics, about 70 million people have 565,438+0% of the total deposits in 2065,438+09, about 33 trillion, and the per capita deposits are about 460,000. These people are already top billionaires.
According to the data of economic operation in 20 19, the per capita disposable income in 20 19 was 33,000, and the per capita consumption was 2 1 10,000. Then the amount that can be used for deposit per capita is 6.5438+0.2 million, and a family can deposit 24,000 per year based on two-month income.
If you save at this rate, it will take at least 42 years to save enough 1 10,000.
Let's take an ordinary family around us as an example:
There is such a family of three, husband Xiao Wang, wife Xiao Liu and a daughter. Both husband and wife are about 30 years old and their daughter is about 5 years old.
If the total monthly income of the couple is above the average level, we will calculate it as 20,000 yuan, and the monthly income of the family will be 20,000 yuan.
Suppose they have no savings before the age of 30, pay the down payment, buy a house and a car.
Let's see how much it costs.
Total expenditure: monthly 17500.
Monthly balance: 2500 yuan.
You can save about 30 thousand a year, and it takes about 35 years to save enough 1 10 thousand.
The above is a rough calculation, ignoring many factors, but it is similar.
Generally speaking, it is a bit difficult for a family to save 6.5438+0 million.
It is really difficult for an ordinary family to save 6,543,800 yuan. High income families are simple. We won't discuss it. After all, most of us are ordinary people, mainly ordinary people.
You must master some basic financial knowledge, one is to prevent being cheated, and the other is to improve your financial management ability.
It is impossible to achieve only a little accumulation. Although it can be done very little, but the time is hard to say, so we should use some necessary financial planning.
1. Accumulate your first bucket of gold by working or starting a business, whether it is 654.38+ 10,000 or 200,000.
Second, make use of the first bucket of gold accumulated by yourself, plan rationally, carry out Qian Shengqian, and speed up the pace of saving up to 6.5438+0 million yuan, but don't be eager for quick success, and a certain principal guarantee is the first condition.
Third, while Qian Shengqian is accumulating, I believe that we will soon accumulate 1 10,000, but at the same time, we must control our own desires.
Fourth, keep learning, improve our skills, and be promoted from grassroots to management to increase our income.
To sum up, we must make enough efforts to strive for steady annual salary growth and improve our professional level. While doing your job well, you can also use your evening time to find a part-time job to continuously increase your income. Only by paying enough efforts, it should not be a problem to save 6.5438+0 million yuan.
However, if you don't work hard, muddle along, and there is no enterprise, it will be even more difficult to save 6.5438+0 million yuan only by grassroots work.
It depends on what income family it is. High-income families are casual, but it may be a dream for low-income families.
Take me personally as an example first.
Although my income is not low now, I spend a lot. I remember I saved 8000 yuan a month the year before last. If you save 65438+ ten thousand yuan a year, it will take 10 years to save 10 million yuan. In fact, I can't save so much money in these two years. Monthly consumption has increased greatly. It's good to save four or five thousand a month. In other words, if you save 50,000 yuan a year, you will save 654.38+00,000 yuan in 20 years.
Therefore, at present, we can only do two things to improve the speed of saving 6.5438+0 million as soon as possible.
1 Used for investment and wealth management. If you invest in index funds every year or manage your finances in other ways such as deposits. Then you can save 6.5438+0 million yuan several years in advance. Even so, it will take more than 1 0 years to save up to110,000.
2 Increase your income by doing a part-time job or even starting a second job to increase your extra income, so that you can save more money or manage your finances every month. It can be accumulated at a rate of more than 1 10,000 yuan per month. In a word, at my current speed, it will take at least 10 years to accumulate to 10 million. Unless I can rent another house at home. Then you can make your million-dollar plan one or two years in advance with the rental income.
It is difficult for ordinary families to save enough 6,543,800 yuan. It's not easy for me either Unless I can make a breakthrough in my second career and earn more than 50 thousand a month. I can save up to 654.38+0 million in a few years. To do this, you need both your own efforts and some luck. It needs the help of a wave of enthusiasm. If none of these are available. Then slowly accumulate yourself. /kloc-it's good to have it in 0/0 million years. The right path in the world is vicissitudes. Let yourself walk more steadily, even if you want to slow down.
Difficult! Very difficult!
We might as well calculate from the static and dynamic dimensions to see how difficult it is to save to1000000 universal. The calculation results are presented in the form of data, which can give us a more intuitive impression.
Static Dimension Under the static dimension, we mainly look at the level of households with 654.38+0 million deposits in China.
According to the data released by the central bank last year, by the end of September 2009, the total deposits in Chinese mainland were 176. 13 trillion RMB. Among them, about 39.77% (about 70 trillion yuan) of deposits are personal deposits belonging to our people. According to the population of 654.38+390 million, the per capita deposit of Chinese mainland residents is about 50,000 yuan.
The per capita deposit is 50 thousand yuan. If a family of three counts, the average deposit of a family in China is 6,543,800 yuan+5,000 yuan. If a family of four counts, 200 thousand.
Now let's take a look. What is the concept of a family with 654.38+0 million deposits? The answer is that it is 5-6 times the average household deposit in China. This multiple is considerable, even if it is not rich, it will be properly middle-class!
In the dynamic dimension, it mainly depends on how many years it takes an ordinary family to save 654.38+0 million after deducting expenses.
Statistics from the National Bureau of Statistics show that in the first three quarters of 20 19, the per capita disposable income of the national residents was 22,882 yuan.
In the first three quarters of 20 19, the per capita consumption expenditure of the national residents was 15464 yuan.
Then, theoretically, the annual per capita savings is: 22,882-15464 = 7418 yuan.
A family of three can save 74 18*3=22254 yuan a year, so it will take 50 years to save100000 yuan!
On the other hand, if you count four people, you can save 74 18*4=29672 yuan a year. Then, it will take about 34 years to save 1 ten thousand yuan!
In other words, at present, the average family in China has saved 6.5438+0 million yuan, which will take about 30-50 years. Look, is it difficult?
In fact, for ordinary families, it is very difficult to save money, mainly because of the average income and too many places to spend money. Especially now, many young people are more advanced in consumption concept, often moonlight clan. In addition, it is not easy for people with mortgages and car loans to save money.
What is everyone's situation? How much money is there at home? Is it more than 1 ten thousand?
In the 1980s, 10000000 yuan was put in, and no family dared to think about such a problem. For people at that time, ten thousand households were already very rich. However, with the development of social economy, there are more and more rich people, and 654.38+0 million is no longer out of reach, and more and more people can reach it. Although 654.38+0000 is not out of reach for many people now, it is desirable and unattainable to save it to 654.38+00000.
According to the data released by the central bank, by the end of 20 18, the national per capita deposit was only 5170,000. If a family is counted by three people, the total deposit is only about15100000, which is far from100000, and you should know that this data is still average, just like Ma Yun and me. In fact, most people have less than 5170,000, which means that many families have less than100,000.
For China people who love saving, why do they save so little? On the one hand, it is the problem of income. According to the data published by the National Bureau of Statistics, the national per capita disposable income in 20 18 was 28,228 yuan. If a family is calculated according to three people, the disposable income of a year is only 84,684 yuan, while the national per capita consumption expenditure in 2065,438 is+09,853 yuan, and a family of three will spend 59,000 yuan.
On the other hand, it is high housing prices. The most important thing for a family is the word "home". Home is the final destination and harbor in the hearts of every China person. Even in the face of high housing prices, you can only buy a house. The down payment only hollowed out the savings of the first ten years of work, and some even hollowed out the savings of their parents for a lifetime, and then the monthly income was used to repay the mortgage. Even if you have a little savings, you can't squander it. You may be hollowed out by illness, decoration, children's education and other expenses at any time, so that's why China people love to save money, but not much.
In fact, it's relatively easy to earn 6.5438+0 million yuan if the expenses are not counted. According to the data released by the National Bureau of Statistics, the average annual salary of employees of enterprises above designated size in China in 2065.438+08 was 68.380 yuan. According to the average level of 2065.438+08, a family can earn 6.5438+million yuan without 654.38+00 years.
One thing or two can also be seen from the data released by the central bank on 20 15. According to the survey conducted by the central bank in 20 15 years, only 0.37% of the people in China have more than 500,000 deposits. Now, five years later, it should not exceed 0.5% at most, that is, 500 thousand. If there are people with 1 10,000 deposits, it is estimated that it will not exceed 0.2%.
This epidemic has also caused many people to reflect. Usually, they don't have much savings. Now the start of work is suddenly postponed, and their income is affected. Many people are wondering how long the savings in their pockets can last. Eating, drinking and drinking are trivial matters, and the biggest pressure is the debts such as mortgage, car loan and credit card, so they can't spend less at ordinary times, otherwise how many people can survive this unexpected situation.
According to the current people, single person, 3000 yuan per month, consumption 1000 yuan, net surplus of 2000 yuan, saving 24 thousand yuan every year. Jobs between the ages of 20 and 62 can be saved 1OO. This is the life of a single farmer, who has saved1million pounds. If you marry and have children, you will never save money. Add children to study, get married, cure diseases when they are old, and watch them for a lifetime. At least you owe 500 thousand.