I'm p>4 years old, and my savings are only 5, yuan. Isn't it normal? Why? I think, no matter how old you are now, it is really not easy to have a deposit of 5 thousand, which may be a level that many young people can't reach after struggling all their lives. As your age, whether you are getting along well or not depends on whether you have bought a house. I am used to judging whether this deposit level is appropriate through your life. Let's share my views:

1. Buying a house

If you are 4 years old and buy a house, whether you bought it in full or are taking on a mortgage, you can still save about 5, yuan in this background, which is very rare and remarkable, and you are getting along very well? Just kidding, brother, do you know how many peers you killed in seconds?

2. You haven't bought a house yet

If you haven't bought a house yet, that is to say, this is the savings you have saved in the background that there are no large consumption items since you worked, that's another matter. You are 4 years old this year. Suppose you graduated from college at the age of 22 and worked for 18 years, which is equivalent to saving about 3, yuan every year and about 2,5 yuan every month. It's definitely not. A lot of 4-year-old peers have less than one-tenth of your savings. But I think there is still room for improvement in this deposit level, so don't relax.

That's my opinion. If you readers have different opinions or suggestions, please leave a message in the comment area to add. Thank you!

hello, friends!

I'm 4 years old and my savings are only 5, yuan. If you still have one or two or more houses, it can be said that you are doing well. If you don't even have a house, you can only say that you are doing fairly well. Let's analyze it.

according to the survey conducted by the people's bank of China in 214 to launch the deposit insurance system, at that time, 99.63% of the national accounts had deposits of less than 5, yuan, which means that 99.63% of the national personal accounts had no deposits of 5, yuan.

If there are 1.4 billion people in China, there are about 3 million children under the age of 18, and there are about 1.1 billion people with savings accounts in China. In other words, in 214, only 4.7 million people in the country had deposits exceeding 5, yuan.

five years have passed now. if the number of people with deposits exceeding 5, is calculated at an annual growth rate of 5%, by 219, the number of people with deposits exceeding 5, will be about 3.9 million, accounting for 2.2% of the national population.

That is to say, the current deposit of more than 5, yuan only accounts for about 2.2% of the total population in China.

But the amount of deposit does not represent the total assets. If you don't own a house and only have 5, deposits, it may be mediocre.

From the above calculation, it can be seen that individuals with 5, yuan deposits in China now account for about 2.2% of the total population. But just looking at the deposit of 5 thousand yuan, you can't see how you are doing.

If you are 4 years old now, and you own one or two houses or more, and then you have a deposit of 5, yuan, then according to your total assets, you must be doing well.

If you are 4 years old, don't have a house yet, and only have a deposit of 5, yuan, then you can only be regarded as getting along. Because, you are now holding 5, yuan to buy a house, and you may still need a loan, and you will immediately owe a bank loan. In that case, you only have a deposit of 5, yuan, which is definitely a mixed one.

To sum up, you are 4 years old now. If you have one or two or more houses, and then you have 5, deposits, you must be doing well. If you don't have a house and only have 5, yuan, it may be considered as a general mix.

thanks for reading!

4-year-old with a deposit of 5, yuan still thinks it's ok? Why? The main reason is that most people around us exceed this level, but we must know that the deposit of 5, has exceeded 99.63% of the people in the country. At present, there are 1.4 billion people in the country, and the deposit of 5, is already the dragon among people.

Of course, the deposit of 5, yuan and the asset of 5, yuan are different. The deposit of 5, yuan with a car and a building is mixed well, and the asset is only 5, yuan. For a 4-year-old, it is a bit unremarkable. After all, there is only one down payment at the age of 4, and now the bank may not approve it. After all, it will retire in 2 years, and the repayment pressure is relatively high.

At present, the central bank proposes the maximum deposit limit. According to the Deposit Insurance System, depositors can pay up to 5, principal and interest, and the excess is not guaranteed. Moreover, the number of people who deposit 5, accounts for .37% in the country. According to the current 1.4 billion people in the country, there are only 5.18 million people who deposit more than 5,.

Of course, this is not to say that there is little money, but that most people do not spend money on deposits, but on financial products such as wealth management products, stocks, money funds, etc., but the proportion will not be large. Together, about 1% of the people in the country are mainly concentrated in first-and second-tier cities, and other cities with 5, deposits can be said to be middle-level or above.

It's remarkable for a 4-year-old ordinary person with a family to have a deposit of 5, yuan. After all, there are household consumption and other expenses every month, and life is not a TV series. Even if most people have passive income with enough minimum living expenses, they still dare not stop their anxiety of hard work. A large part of it comes from education and medical care.

Therefore, it is not easy to save up to 5, yuan in different degrees of consumption and expenditure every month. Why not, in a society where the average deposit is only 5, yuan, most people are negative assets.

when people reach middle age, 5, yuan in deposits can't represent whether they are doing well. It depends on the amount of assets and the city in which they live. Of course, these are all material things. Although some people don't have much money, their careers are smooth and their families are harmonious. In a way, they are doing well. After all, everyone's pursuit is different. Whether 5, yuan in deposits is mixed well depends on their own positioning and goals, and whether 5, yuan can meet their own needs.

I don't think it's bad. Let me give you an analysis:

First, the amount of your deposit accounts for the national ranking.

do you know why the deposit insurance system stipulates that the maximum amount of deposit payment is 5,? Because the People's Bank of China found through investigation that the compensation ceiling of 5, yuan covers more than 99% of customers in the country, which is the data in 213. This amount is 12 times the per capita GDP.

From this point of view, your deposit amount has surpassed that of most ordinary people. How can you calculate the difference?

2. How much interest can 5, yuan get

The subject has 5, deposits, and the annual interest can reach 22,5 yuan at an annual interest rate of 4.5%. It is equivalent to a monthly income of 1875 yuan. In many cities in China, you can just earn so much money by working for a month. You can get such income without working. What's not enough? Maybe your state is envied by most people, but you don't know it.

Third, it's not bad to have deposits and no debts

Many of my colleagues not only have no deposits, but also have debts of one or two million. You say, are you doing badly or are my colleagues doing badly? In the current era of high housing prices, as long as you don't buy a house in full, you don't have at least hundreds of thousands of deposits. At least the subject can still have a deposit of 5 thousand, and there is no debt.

fourth, what is the standard for mixing well?

if you compare by the amount of deposits, people all over the country can't compare with Ma Yun. Does that mean that everyone is doing badly? Certainly not like this. I think as long as the family doesn't have to worry about money, it's a good mix. All sadness comes from comparison. When you stop comparing, you will know that you are actually doing well.

5. Age can't be used as a reference

The subject puts on his 4-year-old age just to compare with his peers and see his level among peers. I don't think it's necessary. Who stipulates what level a person must reach at the age of 4? As a banker, I have seen some people who were ordinary employees before the age of 35, who became supervisors at the age of 35, rose to the top after the age of 4, and reached the level of branch leaders at the age of 45. It's rare, but it does exist around me. Why do you set limits for yourself? Maybe next year's luck will be very different!

Summary:

No matter from any aspect, I think the subject's situation is good, at least better than the people I have come into contact with. Including me, there are not only debts, but also deposits. You may not be able to pay off your debts before you are 4.

I was born in 1982, and I am 38 this year, a small city in Shanxi. There is a set of 14 square meters housing. The energy value is 12W W. The company's shares are worth about 3. Shares in private companies. There are 12 deposits at home. A Mercedes-Benz C2. The main daughter-in-law opened it. I drive a six-year-old Honda. The family spends about 15 thousand a month. The mortgage is 5 yuan per month. Daughter-in-law is pregnant with the second child, and business is not easy at present, and she spent about 8 yuan to invest in a new company with her friends. I don't know if I can make money yet. The pressure is great now.

I'm thirty-eight, so I don't have any savings. I depend on my husband to support me. Meeting my husband in my life is my blessing. The usage of more money and more money, and the living method of less money and less money, I think a harmonious relationship between husband and wife in a family will make the whole family harmonious and everything will be prosperous.

My son went to live in high school, and my husband went to work to earn money to support my son and me, so I did the laundry, cooked the whole house and became a good wife and mother. Some people say that women should have their own jobs and coffers, lest one day men cheat, and women have nothing even to pay for the trip back to their parents' homes. This is really reasonable, and I agree with … people, when they are alive, I think they should use the money when they need it. Don't hang up the club without enjoying a large sum of money, then it is not worthwhile. Life will never know the next second, and we will be 4 years old next year, with no savings and a debt of 5, yuan, but we are not in a hurry, because all the money is spent on building houses. Although we are a small town in southern Jiangsu, our economy is developed, and we are one of the top 1, towns in China. We have not bought a house outside, but we have 2 self-built houses at home, all of which are rented out, and there are 4 suites. Our husband and wife earn almost 2, yuan a year (my husband is the boss, and I am the boss), so we don't have to worry about paying off debts. We only have one doll at home, and we are still in primary school. But I want to go to school in the city next year, and I plan to accompany them. Now I'm still hesitating whether to accompany them. Or entrust it to the teacher?

at the beginning, my elder son was seriously ill, and my family was poor and helpless. I begged to borrow from my relatives and friends hastily, and I lingered around to enjoy the warmth and coldness of the world!

however, you are poor and strong, and you won't fall into the blue sky! Today, there is a Toyota Corolla, two 95-square-meter commercial houses in the city, and a 5-square-meter old villa with a deposit of 4, yuan. The senior police are in Tsinghua, and the younger children are in high school.

there are parents to be served in the upper class and a young son to be with me in the lower class. When people reach middle age, it will be like noon. Although they are physically and mentally exhausted, they still have great faith! There is less frivolity of "my life is up to me" and more precipitation of "cautious wisdom and low profile". Here's a poem to remember:

When I die,

I hope that my mouth is smiling,

My youth has given me a struggle,

My love has given me a heart,

My love has given my parents, sons and lovers!

ah!

That's enough.

It may not be perfect, but

it must be a life without regrets.

It's too early to gain success in your career at the age of 4. Only a few people are bound to succeed in the competition, and these few people also have a certain economic foundation or rely on a certain external foundation. I am a person who has no foundation. Twenty years ago, I was 4 years old and owed more than 1, yuan. I have tasted the hardships and hardships of life in ten years. Only when I was 5 years old did I get a harvest and a turn for the better. This year, 582 sons, one of whom is married and his lovely grandson is almost 7 years old, and the other son has also taken part in the work. It is important to arrange a platform for their struggle. My assets are almost half a million, and I will retire in three years. Be content with my life and enjoy my last life when I retire.

I have 38 three suites, two cars and two parking spaces, and the bank loan is 8, yuan. The family deposit is less than 1 thousand. My wife takes two dolls at home. The pressure is great, I often work overtime until 12 o'clock to do the information, and traveling on business is even more urgent. I feel much worse than before in these two years. It is impossible to sell two dolls and keep one set for each person. . Most of my key relatives and friends think I have money. My cousin got married and borrowed 5 thousand. My uncle is not enough. My uncle's children are getting married this year, and my mother asked me if I could borrow 3,-4,. The point is, I know that if I borrow it, I don't expect to pay it back. Alas, when I was at home, I smoked 15 packs of cigarettes. …………