Reply to the invitation: how much deposit should a person have to feel safe when he reaches middle age? Why? With all due respect, I personally have to ponder this question. At least before you ask me this question, I really don't have a general standard for myself. Now to borrow your question, I also ask myself, yes, how can I not pursue it so much? It shouldn't, should it?
To sum up: there is no need to harden yourself. Of course, if you don't have a goal, a far-reaching direction and a minimum of motivation, you can't do it. Simply put, there is one thing you can't covet money. So you'd better live a life that suits you. One day, you will understand. In fact, it is not for ambitious people to be a difficult person.
Looking back on the road we have traveled for decades, we have seen, heard and experienced too much. We say: let go of what we don't understand and let go of the wrong things. Relax about difficult things. Put down what you can't do Let go of injustice. In fact, you really don't need to care about the numbers on the deposit and withdrawal. More money and less money will also bring you happiness. Remember to cherish yourself!
There is no doubt that people reach middle age, because middle age is a transparent view of life values and outlook on life, and they will not be tired of illusory glitz. All fame and fortune, houses and cars have become a thing of the past, and no amount of money can buy a healthy body. There is only one set of all the parts on you. Even if you have more money, it's in vain! Jobs is the best example. No amount of money can save his life. Chen is not short of money, but he is powerless in the face of illness. Therefore, no amount of money can compare with having a healthy body. Healthy, happy and open-minded is the greatest wealth of middle-aged people. There is not much money, just spend enough. Middle-aged people should know how to take things as they are, and those who are satisfied are always happy. They should make full use of their limited time for self-cultivation and self-care and run every day. Love your body well, repair yourself before your body gives an alarm, greet the rising sun with sunshine, be grateful and optimistic, send away the afterglow of the sunset with smiles and happiness, be kind and grateful for the joys and sorrows that life gives you every day, and embrace life with an optimistic and positive attitude. When you usher in a new day, you should be glad that you are still alive from the bottom of your heart!
I am 35 years old and in the middle of my life. I feel that I am qualified to answer this question.
Let me talk about my own situation first: I live in Anyang, a small city on the 4th and 5th lines in Henan Province, and worked in a small advertising company before 17, with an average salary of about 4,000 yuan. After 17, I resigned and started a business, and my income is not much now. There is a small property right house for self-occupation, and a 40,000 Xiao Yuan Baojun (the daughter-in-law drives it, but she can't pass the driver's license, covering her face ...). The daughter-in-law works in a private enterprise and earns a little more than 3,000 yuan. At present, the household deposit is 30,000 yuan (kept by the daughter-in-law) and the foreign debt is 1 10,000 yuan.
After the introduction, let's talk about the topic of safety.
In fact, in my opinion, people should not and will not have a complete sense of security. Because once people have a strong sense of security and stay in their comfort zone for too long, they will become inert, and they will start to ignore the development around them instead of making progress, and will gradually fail to keep up with the progress of society and the times and be eliminated. Even if there is a deposit of 100 million yuan, there is a stable industry, and it will disappear or shrink sharply in an instant when it encounters drastic times or social changes, such as war, sharp devaluation of currency and monetary reform. There are many such examples in history. Cao Xueqin's family is rich and Kodak lacks enterprising spirit, so I won't list them one by one.
If you have to answer how much money you have, you will feel safe. I think we can simply calculate the money to meet the basic needs of life, hoping to give some inspiration to the subject:
Take my own small city on the 4th and 5th lines as an example. Suppose it takes 40 years to live from 35 to 75. Take housing as an example. Every year, the basic living expenses of families are around 40,000 (don't be surprised that the living expenses in small cities are low). Children are still in kindergarten. If the children's future education expenses are added, it is estimated that 1 year will increase by 1 10,000 yuan, or 50,000 yuan. 40 years multiplied by 5 is 2 million. If calculated by the annual inflation rate 10%, it is about 2.7 million (I don't know if math is good or not). In other words, to meet the most basic sense of security, at least 2.7 million deposits are needed.
If it is a second-and third-tier city, if it doubles, it will cost more than 5 million, and the first-tier cities are estimated to be tens of millions.
Most importantly, the money must also be idle funds rather than assets, so that you can feel safe. There are many people with hundreds of millions of assets in China, but not many people have so many idle funds. Therefore, it is almost certain that more than 90% of China people should find it difficult to feel safe enough. From the perspective of money alone, a person who can feel safe enough can be said to be the son of fate.
When people reach middle age, how much deposit should they have to feel safe? I think the problem is just a latitude that gives people a sense of security.
First of all, let's talk about the influencing factors of people's sense of security:
1. I have a strong sense of security. I think people's health is the first thing in middle age. Health is like 1. It's no use without n zeros behind. People with poor health feel different, let alone a sense of security.
2. Children are promising. By middle age, the children of ordinary families have grown up, and it is time to test the educational achievements of parents since childhood. Children are promising, parents have no worries, spiritual sustenance and pride. After retirement, they have the support and spiritual sustenance, and their retirement salary and life can be arranged by themselves.
3. Family harmony and good feelings with his wife. Middle-aged people's sense of security pursues "stability", not as aggressive as when they were young. This is not to say that middle-aged people are slack, but that ordinary people will lose their fighting spirit and physical strength and their sense of security will decrease with age. Therefore, family harmony and wife's company will enhance the sense of security.
On these premises, let's discuss how much deposit can guarantee a sense of security. I think: Middle-aged people should consider financial security (savings) in their old age, because people used to be busy with their families and children. Now that your children have grown up and your family is basically stereotyped, your physical strength and energy are not as good as when you were young. You should try to save money for yourself and your wife and try not to disturb your children.
1. In today's society, no money is just empty talk. Therefore, it is important to deposit, keep the liquidity of cash and deal with emergencies. Generally speaking, I think we can put 500,000 yuan into the current account, balance treasure or money fund regularly, and we can withdraw 500,000-65438+100,000 yuan of reserves without losing too much interest immediately.
It is probably inappropriate to put a lot of cash for safety, because the currency will depreciate under the expectation of inflation. So there should be a house guarantee. If you have a house that you own and a house that you invest extra or rent, then a sense of security is enough. Because this escort market is growing, in case of family emergencies, it is necessary to use a lot of money to deal with it without affecting life.
So the value of a house depends on the level of your city. Don't know the objective answer.
When people reach middle age, how much savings will they have to feel safe?
? I think it can be said from these aspects:
1 The bank deposit of a person in a middle-aged family can be
/kloc-if you support your family's daily living expenses for 0/0 years, you should feel safe. As for how much?
It's hard to say. After all, there will be.
Many uncertainties, such as price and health.
Physical condition, etc. Everyone's family life
Normal expenses are different.
Everyone's life is different. some
People have strong ability to make money and it is easy to make money; some
It is difficult for people to make money.
Everyone has a different mentality. Some people's hearts
Good mentality, full of confidence in life; Some people's hearts
In a bad state, full of anxiety and insecurity about life.
In a complete sense
How much does it cost to feel safe when people reach middle age? Different ages, different families, different environments and different conditions have different answers to this question.
First of all, talk about middle age, the age range of middle age, generally between 45 and 65 years old. Such people are often accompanied by the accumulation and growth of knowledge, the increase of experience and the enhancement of psychological ability. However, their physical strength is gradually declining, and their physiological functions are also declining unconsciously. They feel great responsibility to their families and society, so they always want to have an income, and a sum of money will bring them a sense of security!
In the first case, when people reach middle age,
1, your child is still in college and hasn't worked yet. If so, you are under great pressure in middle age. It costs a lot of money for children to go to college, find a job, buy a house, find a partner, marry and have children.
If you had more savings, you would feel safe now. The average family, 500 thousand to 5 million, will feel safer with these deposits!
How much wealth around you is safe. Looking for a job and getting married in several cities with children in the future is worthy of attention!
If a family with good conditions has a deposit of about 2 million to 10 million, it will feel very safe!
For the rich, there are usually hundreds of millions to tens of billions of deposits to feel safe!
2. If the children get married and people reach middle age, they will feel very safe as long as they have a deposit of 100,000 to 500,000!
I'm not afraid of suddenly getting a common disease! I think I will spend my old age happily!
Families with slightly better conditions will feel very safe if their savings are between 500 million and 2 million.
Rich people will feel very safe as long as they have tens of millions of deposits!
In the second case, their children are very promising, with an annual salary of more than 500 thousand and are willing to spend money for their parents!
If so, in middle age, as long as you have a deposit of about100000, you will feel very safe! Because when you have no money, your children will give it to you! Your children are your wealth!
In the third case, if you are in poor health and have a disease of burning money, in this case, your savings are more than several million, and maybe you will feel more at ease!
People are greedy and ambitious, and people will not be easily satisfied.
When you have no money and are down and out, how much you want to have a deposit of 10 thousand yuan, you will be satisfied!
When you have a deposit of 10,000 yuan, you will feel that I want to have hundreds of thousands of deposits, and you will be relieved.
When you have hundreds of thousands of savings, you will envy others for driving luxury cars, living in mansions, traveling frequently and living like a fairy. At this time, how much you wish you could have millions or even tens of millions of property, and you will feel at ease.
If you have millions or tens of millions of property, and you want to become rich, live a rich life and enter their life circle, then you will fantasize that you have hundreds of millions of property.
When you have hundreds of millions of property, you will envy the ranking of the rich, and you want to be the top figure of the rich!
Man is a very greedy animal and always wants to surpass himself and have more wealth.
Unless you rely on luck, you will never make money beyond your cognitive range, but the money you earn by luck will often be lost by strength in the end, which is a necessity. Every penny you earn is a reflection of your understanding of the world. Every penny you lose is because your understanding of the world is flawed. The greatest fairness in this world is that when a person's wealth is greater than his own cognition, there are 100 ways to harvest you in this world until your cognition is directly proportional to your wealth. Work hard and earn clean money. You can't try to take shortcuts and detours. Even if you take shortcuts and take crooked roads, the money you earn will be paid back sooner or later.
Contented people are always happy! It is good to have good health and money, as long as you spend enough! Hmm. How interesting
At present, there is no uniform standard for the age of middle age in the world. According to the national conditions of China, ordinary people aged 40 -55 are generally regarded as middle-aged. How much deposit do people need at this stage to feel safe?
In fact, it is a broad concept to say how many deposits are safe. This is mainly because China has a vast territory, different levels of economic development and consumption, so the deposits that need a sense of security are different. Let us take a third-tier city as an example. To have a sense of security, at least the following points must be met:
1. house: going your own way is the most basic requirement for safety. No house, no sense of security. As a third-tier city, we conservatively calculate the house according to the value of10.5 million yuan.
2. Car: In today's society, a car has become a necessity. In addition to a house, another hardware that is essential for a sense of security is a car. We conservatively calculate the car according to 6.5438+0.5 million yuan.
3. Deposit: How much deposit can make people feel safe? I think at least your savings can meet your local per capita consumption expenditure (because you are not afraid of unemployment). Assuming that the monthly consumption expenditure is 3000 yuan, then a year is 36000 yuan. According to the deposit interest rate of 4%, the required principal is: 36,000/4% = 900,000 yuan, and the conservative calculation is 6,543.8+0,000 yuan.
To sum up, when people reach middle age, the total "deposit" must be at least150+15+100 = 2.65 million yuan to have a certain sense of security, and this value is only the basic value. If we want to be more secure, we need a higher quota.
Thank you for inviting me. There are different standards for this question, more or less, depending on everyone's mentality and ideas.
Personally, when people reach middle age, in today's society, they should first have a stable income every month, no matter how much it is, and how it comes from (maybe salary, maybe business, etc. ), and then there are at least tens of thousands to hundreds of thousands of deposits at home.
In this way, under normal circumstances, if something happens at home, you can take it out at any time without asking for help.
Even if it is not enough, it is only a small amount. Relatively speaking, it may be better to borrow a little.
If you have no money, who will you borrow it from? This is a lot of money in the countryside. Even if someone lends it to you, what will you take back?
People who don't have long-term worries are bound to have near worries, so we can't spend money lavishly at ordinary times, but try to save as much as possible when we can get by.
I am 43 years old. I have almost 6 million RMB in first-tier cities. Although I am old and young, I don't feel very safe. Of course, I'm not particularly anxious. I have high school classmates whose savings should be less than one million. They are in the county town of 18 line, driving about 65,438+10,000 cars and working in the system. They feel very safe. I also have a college classmate in Guangzhou. Every square meter10.5 million house has a deposit close to10 million. He also feels insecure all day. Therefore, different people have different answers to this question, or our class and expectations for the future are different, and we need different amounts of deposits to gain a sense of security.
People have classes in society, and our sense of insecurity comes from the possibility that we may fall to the next class. Therefore, if we ask a middle-aged tramp and a middle-aged rich man "how much savings will make them feel safe", the answer is definitely different.
According to the following statistics, the stratum in China is divided into bourgeoisie, middle class and proletariat, and 90% of the people in China belong to proletariat. Their monthly income is less than 65438 yuan +0.65438 yuan+0 million yuan, and their annual income is 65438 yuan +0.32 million yuan. Then, according to the current risk-free income annual interest rate of 4%, the deposit of 3.3 million yuan can ensure that the proletariat will not fall into a lower class. In other words, if 90% of the proletariat deposits more than 3.3 million yuan, they will not have the risk of falling into the next class, and they can get enough sense of security from 3.3 million yuan.
As for the middle class, the minimum monthly income is 1.5 million and the maximum monthly income is 450,000. If they want to lie down, they won't fall into the next class. According to the current risk-free investment income of 4%, they need 1.35 billion to achieve this goal. Unfortunately, most people can't achieve this goal through self-examination, which means that the vast majority of the middle class will not feel safe from deposits.
As for the bourgeoisie, their greater risk may not be deposits, nor can they gain a sense of security from deposits.
When people reach middle age, if they want to rely on deposits to ensure that they will not fall to the next class, the proletariat can feel at ease with more than 3.3 million deposits; People above the middle class can't get enough security from savings, but if we can get enough income from a stable job, we can get enough security.