Why do people become less and less willing to spend money when they reach middle age?

It is a common phenomenon in China that people become less and less willing to spend money when they reach middle age. To put it bluntly, they are reluctant to spend money because you have a sense of crisis, so as long as you have a sense of crisis, no matter you are a teenager, middle-aged or elderly, you are reluctant to spend money; Why do the children of the poor take charge early? It is because I am afraid of being poor that I dare not squander like the children of rich families. They will think of tomorrow, the day after tomorrow or beyond.

I am 55 years old and belong to middle-aged and elderly people. People say I like it, right? Iron chicken? . In fact, I never thought about spending money generously and buying things I like, but when I really want to give money, I will think about it. I don't want to keep what I need. Because of this, I can't buy it every time I want to buy it.

The explosion point is not afraid of jokes. A pair of slippers with a few dollars should be worn for 2~3 years, and you can't bear to lose a heel. In addition, clothes worn more than 20 years ago are still on, and I think few people can do this.

Why am I like this? Cheap? Dare not spend money? This has to start with my family situation. In the fifties and sixties of last century, my father had a skill and neglected his work, so the economic conditions at home were still excellent. Since family planning had not been implemented at that time, there were nine sisters in the family, so the expenses were high when there were more people, and life was tight, so I developed the habit of not spending money since I was a child.

With the growth of age, when it is time to get married and have children, we should get married and have children step by step. At that time, the traditional custom in our country was to split up immediately after marriage. Even if the parents' family conditions are good at the time of separation, at least they will not be assigned debts. Those with poor family conditions will not only have no money to give, but also give you a debt. It is conceivable that in this case, don't say that you don't have money to spend, just have some money. Who dares to spend at will?

Some people say that it was forced by the situation at that time, and they were stingy and did not dare to spend money indiscriminately. So, why are middle-aged people less and less willing to spend money now? According to the experience of an experienced person and the observation of the present situation, I analyze the following reasons.

First, there is no support before, and there is no chasing behind, which makes middle-aged people reluctant to spend money.

Middle age is an embarrassing period. Middle-aged people in this period have a heavy burden on their shoulders and their courage is getting smaller and smaller. Middle-aged people in this period have old parents. Even if they are in trouble again, their parents can't help you. They have no place to rely on, and the little ones behind them are chasing after them. They grow up day by day and spend more and more, from dressing and eating to going to school and getting married. Don't worry about spending money; Middle-aged people in this period not only dare not spend money lavishly, but also have to work hard to earn money. They dare not get sick or fall. They are really walking on thin ice and dare not shout for help.

Second, the two mountains of car loans and mortgage loans make middle-aged people reluctant to spend money.

Some people say that you can't buy a house without buying one? Really can't. Not all middle-aged people are following the fashion now, it is really forced by the situation.

Let's talk about mortgages first, but city people don't. I want to talk about rural people's mortgage. It is reasonable for rural people to have homestead. Building a house on their homestead is about 300 thousand. As things stand, most people can afford it. Why do rural people still have mortgages? Mainly with the development of the situation and the needs of urbanization, more and more rural people leave the countryside to enter the city, and buying a house has become a necessity. Although some people don't want to leave the countryside, because there are fewer and fewer schools in the countryside, children have to go to school in the city, and they also have the conditions of urban real estate. For the benefit of future generations, they have to choose to buy a house in the city. High housing prices have to make you scrimp and save, and you have to spend money carefully.

Secondly, talk about car loans. Nowadays, young people are rarely seen in rural areas except the left-behind elderly and children. They work hard outside in order to live. With the prevalence of fast-paced life, people dare not neglect their hard-won jobs, especially middle-aged people, who have a strong sense of crisis and wish to treat one day as two days. In order to make good use of all available time, buying a car has become a demand, but many people will not save a special fund to buy a car. I have to get a loan and pay it back slowly. Of course, the reasons for buying a car vary from person to person, and some are for showing off.

Third, for the sake of later life, middle-aged people are reluctant to spend money.

Once people reach middle age, they will soon enter old age unconsciously. How to live a good old age is an unavoidable topic. Nowadays, young people are under great pressure, and it is good that most people can maintain their own lives. If middle-aged people still adhere to the traditional concept of raising children to prevent old age, it may be a bit unrealistic to expect their children to support them when they are old. There are two ways to do this. One is to make money when you can and make some reserves for your later life. The other is to save some money by saving money. So people are not willing to spend money when they reach middle age.

Summary: A stable life is often bound, and you need a penny to escort you. In fact, each of us should? Hey? One thing, living a moderate life is not only the traditional virtue of the Chinese nation, but also allows us to plan ahead in this world and not be afraid of unknown storms.