Live like a joke. Electronic book reading

Hello, I'm @ Appen Taobao. Thank you for reading my article. This question is a bit interesting. Save 40 thousand yuan a year. Do you live like a joke? In fact, how much money you save a year is also relatively personal. It doesn't feel like a joke, at least it saves some money.

Saving 40 thousand a year is really not much. It's a joke to some people. But at the same time, it is an unattainable income for most people. At this deposit rate, it will take 25 years to deposit 1 10,000 yuan, which is incredible to think about. The reality is that more than 90% people can't even save 40 thousand a year. According to the data, the national per capita deposit is only 510.08 million yuan.

According to statistics, in the first half of 2020, China's resident deposits reached 90.47 trillion yuan, with a per capita deposit of 64,000 yuan. A large number of people in China did not even reach the passing line of 64,000 yuan. Until the end of 438+09 in 2065, China's per capita deposit was 58,700 yuan, including 200 million minors without income sources. If excluded, the per capita deposit income of adults will become 68,700 yuan. I didn't know that this deposit had been accumulated for many years.

All along, we have been misled by the social average. It seems that the average person can reach more than 5,000 yuan per month, but the actual income of most people is still below 3,000 yuan. There used to be data showing that there were 600 million people whose income was less than 1000 yuan, and 964 million people whose income was only 2,000 yuan.

Nowadays, young people don't talk about deposits, and even owe money to banks, Alipay and various platforms. Before, the information of post-90s per capita debt 1.2 million was circulated on the Internet. Although not everyone is like this, many people not only haven't saved enough money in a year, but also bear various debts. This situation also exists.

For most people, it is good to save 40 thousand yuan a year. It shows that the annual income is about 654.38 million yuan, but due to the usual expenses, although there is a lot of income, there is still no money left.

Now the house price is very high and the rent is expensive. Ordinary people often spend thousands of dollars on renting a house, and in some big cities or first-tier cities, it costs 3,000 to 4,000 or even more. Then it's good to earn six or seven thousand yuan a month and save more than 1000 yuan a year. .

In first-and second-tier cities, there are countless moonlight families with a monthly income of over 10,000 yuan. A family with an annual income of 200,000 yuan may not be able to save 40,000 yuan a year even if it pays 1 10,000 yuan for car loans, children's education, alimony for the elderly and daily expenses.

Saving money is not only related to income, but also to expenditure. Some people have low incomes, but they have no other consumption except consumer goods, so a large part of their wages can be saved. Some people seem to have a high income, but their consumption habits are not very good and they lack awareness of saving money. They are all moonlight people and can't save money for a year.

If the income is really enough, but the savings are insufficient, then you still can't save money. It can be suggested to change this situation by increasing revenue and reducing expenditure.

If you want to see where your expenditure is unnecessary, you can even reduce it. You can find this by bookkeeping and then selling it. It is also possible to reduce expenditure in this area.

You can also increase your income through part-time or sideline work. You can also let Qian Shengqian through financial management.

Saving 40 thousand a year is definitely no joke. Already worse than most people. If you want to deposit 40 thousand, you have surpassed many people. As long as you don't work hard, I believe your income will continue to increase and you will save more money in the future. Life will get better and better in the future.

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