Why do many people in the first-tier cities in the north, Guangzhou and Shenzhen, with an annual income of 2,-3,, live very tired?

In fact, the number of people whose annual salary can reach between 2, and 3, in the north, Guangzhou and Shenzhen is relatively small. Tencent once made a survey report. At present, the annual salary of more than 1, yuan in Shenzhen accounts for about 26% of the employed people. According to this ratio, the number of people with an annual salary of more than 2, should not exceed 1%, which means that at most one out of 1 people can earn more than 2, yuan.

Therefore, the annual salary is 2, to 3,, which is actually considered as a relatively high-income group in the north, Guangzhou and Shenzhen. However, even though their income is very high, many people still live very tired, and many people may think that these people are hypocritical.

You know, at present, many people earn less than 1, yuan, and one person can earn 2, yuan or 3, yuan a year, which is more than others' income for several years. Why are you still tired? Is this showing off?

Many people don't work and live in first-tier cities. They may not understand the pressure of first-tier work and life. Many people in Beijing, Guangzhou and Shenzhen have an annual salary of 2, to 3, yuan. On the surface, they look very beautiful, but what is their life like? Only they know best.

Take myself as an example. In Shenzhen, the income of two people in our family is at least 4, yuan a year, but life is still tight. Why? Because there are really many places to spend money, one month's income is really not spent.

let me calculate an account for you.

1. Mortgage

The monthly mortgage is almost 12,, which is 145, a year.

2. Daily living expenses

The daily living expenses at home are about 1 yuan per day on average. These expenses include food, rice, oil and salt, fruit, water, electricity, gas and other miscellaneous expenses, which is almost 3, yuan a month and 36, yuan a year.

3. Children's expenses

At present, children are only over two years old, and the expenses needed are not very much. The monthly milk powder cost is about 2, yuan, and the expenses on children are about 3, yuan in addition to clothes, amusement, toys and other aspects. If they go to kindergarten next year, the expenses will be even more, so the expenses on children will be about 36, yuan a year.

4. Car maintenance expenses

In the past, there was a car loan of two or three thousand yuan per month. Now, after paying off, only some fuel expenses, insurance, toll fees, parking fees, maintenance fees, etc. are needed, and the fuel in it is about 3 to 5 yuan per month; Parking spaces are charged monthly in the community, which costs 2 yuan a month. Usually, it costs 2 to 3 yuan to go to the mall for a few hours, so the average monthly parking fee is about 4 yuan. After adding up the insurance and maintenance fees, the average car maintenance cost is about 1, yuan a month, which is almost 12, yuan a year.

5. Out-of-home meals

The out-of-home meals mentioned here mainly refer to the expenses of eating out during working hours and eating out at ordinary times, such as eating out for breakfast and lunch at work at ordinary times. It costs more than 5 yuan for two people a day, which is about 1,5 yuan a month (usually working overtime). In addition, they often take their children out to eat at ordinary times, with an average of about four or five times a month, each time counted.

So after the overall calculation, the cost of eating out is about 2,3 yuan a month.

6. Other expenses.

The other expenses mentioned here cover a wide range, such as the daily expenses of buying clothes and shoes, some expenses of human relations, etc., which add up to about 1 thousand yuan a year.

7. Money for parents at home.

There are four elderly people on both sides of the family, and they will buy some gifts and give them cash directly on holidays. These expenses are actually not much, but they need at least 1, yuan every year.

after adding up the above expenses, the annual expenditure will be about 26,, which is not to mention some unexpected circumstances.

So, although our annual income is over 4,, the real money saved every year is only a few hundred thousand.

But we dare not spend the hundreds of thousands we have saved. Why? On the one hand, at present, I am in the stage of starting my own business, and I need to spend a lot of money, and even lose a lot of money in some months when the economy is in recession.

On the other hand, having a mortgage at home, raising a family, raising children and caring for the elderly are not small expenses, so you must have some savings in your hand to feel at ease, so even if you have some savings, you can't spend them casually, you can only make money desperately, so you are very tired at work at ordinary times.

Besides, my current degree in housing is not very good, so I want to give my children a better education. I plan to buy a better house in the school district in the next few years, but the down payment for buying a second apartment needs at least three or four million yuan, because the current housing price in Shenzhen is really high, and ordinary people simply can't afford it.

so in the eyes of others, they may think that our income is ok, but only we know how tired we are.

I believe there are not a few people with similar experiences. I know many friends around me, and their families' annual income is over 4, to 5,. However, many families are afraid to spend money casually, because there are many uncertainties in the future, so only by working hard and saving more money can we cope with some uncertain risks in the future.