What is it like to earn 150,000 yuan a year? Is it enough to spend?

The first one: Is it really necessary?

A friend once told me a joke. When he first arrived in Shanghai, he wanted to go to a certain building. It was displayed on the map at that time. The distance was not far, but when we took a taxi, we found that the driver had been driving for a long time, so he felt that the taxi had taken a detour for him. After making a fuss, we found that many people were driving normally. In fact, it is very simple. Even private cars will face this problem. Many times in a big city like Shanghai, it is not necessarily faster to drive by yourself. On the contrary, sometimes public transportation is more convenient. So, it depends on whether you Really needed.

Second: What are the monthly expenses?

I won’t go into details about Shanghai’s consumption level. The couple’s annual income is 150,000. If it is after tax, it will be fine. If it's before tax, you can only get 10,000 yuan for a month. Life, housing, etc. for two people. If you don't have children, it's okay. If you have children, to be honest, the monthly expenses are basically the same. Well, even if you have some surplus, don’t you plan to save some money? Do you still plan to become a moonlight clan after getting married? It’s okay to buy a car, but is there really no need to save some money for the children’s schooling in the future?

Third: Car maintenance costs

Do many people think that if they can afford a car, they will definitely drive it? I used to think so, but it wasn’t until I started worrying about all kinds of additional fees that I discovered that buying a car comes with a lot of additional fees. It’s like an old man who violated traffic regulations for a year. I paid more than 3,300 in fees. This is just illegal parking. Don't tell me that you don't park illegally. You think the streets in Shanghai are full of parking spaces, but it is a fact that the streets are full of cars. I personally think that gas money is the most economical. Add in insurance, parking space fees, maintenance fees, etc., I believe that even if you buy a domestic SUV costing about 100,000 yuan, you will basically spend a year. 10,000 or 20,000.