It's a joke to clear Jilin in a week.

Recently, some netizens vomited: Only 40,000 a year, are you alive like a joke? To tell the truth, this is really a joke for many people, but at the same time it is an unattainable income for most people.

0 1 per capita deposit

According to statistics, by the end of 20 19, China's per capita deposit was 58,700 yuan; This per capita deposit includes about 200 million minors who have no source of livelihood. If excluded, the per capita deposit of adults will become 68,700 yuan.

Are you a little surprised to see this number? Now many young people don't talk about deposits, and even owe a lot of money to online lending institutions such as banks and Alipay. Is this per capita deposit inaccurate? This per capita deposit may not be so accurate, but it will not have much impact, mainly because in China, more than 80% of wealth is held by less than 20% of people. If distributed in proportion, the per capita deposit of most ordinary people is only 6.5438+0.47 million yuan.

This per capita deposit has been accumulated for so many years, not for one year.

Save 40 thousand a year

For most people, saving 40,000 yuan a year is quite good, and saving a down payment in second-and third-tier cities is only a few years. However, for 20% who control 80% of wealth, 40,000 yuan may be the consumption of a cup of tea by others.

If you can save 40,000 yuan a year, your annual income should be above 6,543,800 yuan. Let's just say that the subject really has this distress. Obviously, the income is ok, but the annual balance can't satisfy himself. If you want to save more money, then you definitely need to change your current consumption pattern.

How to change

If the income is really enough, but the savings are insufficient, then this situation can be changed by "opening up sources and reducing expenditure".

① throttling. If you want to cut costs, you must first look at what aspects of yourself have unnecessary consumption. You can find this by bookkeeping and then selling it, and then reduce these unnecessary expenses.

② Open source. There are two ways to open source. One is to increase income through sideline business. Now many people are doing part-time sideline business, and even some people's sideline income can be higher than their main business. The second is financial management, so that money can work to make money. There were not many people in previous years. In 20 19 years, many people increased their assets by 10% or even more than 20% through wealth management. If you are sensitive to risks and don't want your money to be at risk, you can also choose a sound financial management method, which is easier to achieve an annualized income of more than 5%.

Software for throttling bookkeeping is not recommended. Now many of these softwares can even keep accounts by making excel tables. In addition, there is no mention of how to choose sideline business and how to conduct financial management, mainly to explain the way of open source.

To sum up: if you are prepared to go in the direction of the 20% people, it is a bit like a joke to save 40 thousand yuan a year. Because many people may not talk about work income, even financial income can easily pass 41 thousand years.