Middle age is the most miserable and tiring stage for people. There are old people at the top and young at the bottom.

Not only to accumulate economy, but also to accumulate moral character.

Although some families are not financially well-off, they face it calmly and are not anxious.

When people reach middle age, they can best reflect the height of their lives. Some people will help the old and the young to see the scenery on the road of life.

Some people will leave their loved ones behind and move on alone.

When you reach middle age, it’s not about your savings, but about how much burden you still have!

When people reach middle age, they have less burdens. Their parents and parents-in-law are dead, and they only have one child. If the couple raises one child, will the burden be heavy?

Are savings important?

If you have a house, a car, and a stable job, you’ll be fine!

When you reach middle age, your parents are often sick as they get older, you have to take care of your parents-in-law as they get older, and you just had your third child yet to be born. What should you do with such a family?

I am worried about depositing tens of millions of dollars, but depositing tens of millions of dollars is of no use!

People's anxiety depends on your burden. It doesn't matter if the burden is there, it doesn't matter what it is!

The burden is heavy, and even if I have tens of millions, I still don’t have peace of mind!

Life is long and the burden will not be small. What should I do?

Rely on your own ability to share the burden?

Families with one child should not look for one-child families. No matter how rich they are, it is impossible for a couple to take care of four elderly people. Once someone gets sick, one of the couple must take leave. And if you are in your 40s and take leave, how can you still work?

Which corporate company would be willing to do that?

Unemployment is inevitable. It’s okay to have money, but it’s more difficult to have no money. Which one should be treated, grandparents or grandma?

When people reach middle age, they must reduce risks. There is no need to continue with risky futures and stock allocations. Just buy some funds and treasury bonds!

I am 48 this year, and my husband is about to be 51. If I save a little, not much, it is just enough for my children’s four-year college tuition.

The reason for such a small amount of money is mainly because the previous money was used to buy a house and decorate it.

I originally thought I could sell an old house so that I could have hundreds of thousands for retirement.

As a result, just after I put it up, I caught up with the 2020 epidemic. House prices have been falling, and now, it can’t be sold.

Now that we are so old, except for the children's tuition fees, we basically have no savings. When our wages arrive every month, we quickly pay off the mortgage and pay for the children's training, barely keeping our lives going.

The worst thing is that wages have dropped this year and are often not paid on time.

Life is getting harder, and it’s even more difficult to save some money.

How much savings does one have without anxiety?

I think if you don’t have a mortgage or a car loan, if you have more than 500,000 yuan personally and more than 1 million yuan as a family, you basically don’t need to worry.

Why do you say that?

We are about to retire, and the social security base paid by our company is relatively low. I have asked about the salary of retirees in the company, and it is only two to three thousand yuan per month for those in the same level as me.

If you don't have a mortgage or car loan, and you have half a million in hand, and you put it in the bank, you will get about 20,000 yuan in interest, which is only 1,500 yuan per month, which can make up for the lack of retirement funds.

Even if you are not close to retirement like my family, it is quite good to have tens to millions on hand. You can have it at home in case of emergencies. In addition, there will be income every month.

My goal is 1 million W. For example, I have 1 million W. According to the normal time deposit, 10,000 yuan is 320 yuan a year. 1 million is 32,000 yuan. Under normal salary conditions, it will cost 3,000 yuan more every month.

Isn't this a good life?

I hope that I can have 1 million in the future, so that I can live comfortably by eating interest while keeping the principal.

Of course, in a small northeastern city, it is not easy to have a deposit of 1 million.

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This question actually doesn't make much sense.

If a person starts working hard to earn money when he is young, by the time he is middle-aged, his family will have some savings. As for how much, no one will tell you the specific amount.

Life is actually very tiring, and we are all trying to move forward.

There are also many variables in life. If you just do arithmetic problems, the pressure will not be too great.

If a son is born at home, the pressure will be greater. As we all know, if you raise a son, you have to buy a wedding house for the son and let the son marry a wife to go home. If the conditions are slightly better, you have to buy a car.

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Therefore, for a truly middle-aged man, no matter how much wealth he accumulates, it will eventually be given to his son. All his savings are for the purpose of getting his child married.

The money saved after going through this process is the real savings of middle-aged people.

Nowadays, it is always said that you should not be a slave to money, which means that you should look at things more broadly. Children and grandchildren will have their own blessings. Don't give everything you have to your children too much. You should also leave some pension money for yourself.

As for what you said, how much savings makes people not anxious, there is really no specific amount. People are always dissatisfied with the amount. If there is more, they will want more, and they will always calculate this way and that way.

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