Why is it that my family’s assets are probably among the top 10 in the country, but they still have a living standard of ordinary people?

1. Family assets are only book wealth.

2. Many people live in multi-million dollar mansions and their pockets are cleaner than their faces. That’s useless.

3. Assets will shrink. Ordinary people who take out loans to buy houses are likely to become liabilities.

4. There are many poor people in the country. Even if their assets reach 10, their living standards are not very high.

5. These days, deposits and cash are king.

6. Only when you have a fully paid house, no mortgage, and a deposit, can you truly be rich.

7. If your savings are too small, you will fall back into poverty after a serious illness.

8. In addition to a house, you must at least save tens of millions of dollars to improve your living standard.

9. The living standards of ordinary people are also different. This is very subjective.

10. The number of people who own houses in first-tier cities is already 10% in the country, but there are still many poor people.

11. China is too big, and most of the poor cannot reach the living standards of ordinary people.

12. The so-called living standards of ordinary people are compared with those around you, not with the majority of poor people.

13. Many people in life do not know the blessings and feel that they are ordinary, but they are actually very happy.

14. Comparing people to others will make people angry. Don’t compare in life. If you want to improve your life, just work hard to make money.

Let data speak. According to a report from the Central Bank, household assets ranked among the top 10 in the country in 2019, with total assets reaching 15.115 million yuan. Of course, they are net assets and cannot be counted as liability assets. If you have reached it but are still living at the standard of ordinary people, there are three problems that need to be improved.

The first is the understanding of happiness. Regardless of academic performance, work achievements, or total wealth, if you are in the top 10%, you are very good. If you still think you are an ordinary person, either the data is inaccurate or you have a lack of cognition.

Second, the asset structure of 15.115 million is unreasonable. For example, in Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou, I have a school district house with a unit price of 150,000 yuan, which is only 100 square meters. Although my assets are among the top 10 in the country, my life is indeed that of ordinary people. Because the asset structure is unreasonable, the proportion of real estate is too high.

Third, the cash flow is too low. Apart from salary income, there is no property income. If you are in a first-tier city and have an annual income of less than 200,000 yuan, you may feel that you are living an ordinary life.

The above is an analysis, a possibility, and there are other possibilities. If you have a net worth of 15.115 million, you will definitely be able to live a much better and happy life than ordinary people. It is recommended to make three changes:

1. Make good use of the right brain and change your cognition. Holding a golden rice bowl and begging for food is a backward view of wealth. Realize the golden rice bowl and at the same time feel happy that you have a golden rice bowl.

2. Adjust the proportion of asset structure, control real estate assets to 7 million-8 million, and free up 7 million-8 million financial assets.

3. Increase cash flow. In addition to salary, the focus is on investment and financial management. If you don't manage your finances, your finances will ignore you. If 7 to 8 million financial assets are used to purchase financial products, funds, stocks, etc., to achieve an income of 10, it will increase the annual income by 700,000 to 800,000, plus the salary will reach one million income cash flow, even in first-tier cities, it is also You can live an extraordinary life!

Whether it makes sense or provides some inspiration, it is for reference only.

Pretty much.

Only 1.9% of China Merchants Bank’s personal assets reached 500,000. Customers of China Merchants Bank are already considered to be relatively wealthy in China. To be honest, if your total family assets reach 500,000, it will be well within 10% of the country.

But even if 500,000 yuan is compared with the third-tier housing prices, I feel guilty!

Inappropriate comparison items can cause pain.

How about instead of thinking about a house, think about a piece of flatbread and eggs costing five yuan, tofu buns costing two and a half yuan, and duck fat buns costing three yuan each?

The family income is more than 10% of the national level, which has basically reached the international level of the middle class. The annual family income exceeds 40,000 US dollars (more than 250,000 yuan), and the family net worth exceeds 500,000 US dollars ( above RMB 3 million). Have you reached this level?

However, house prices in first-tier cities have reached more than 5 million. Even if you have a net worth of 3 million, you still have to bear a mortgage loan of millions. In this way, the annual mortgage principal and interest is more than 100,000 and 200,000. Ten thousand, a family of three may not even be able to go out for a big meal or enroll their children in a cram school, let alone feel rich.

The really rich people should be those resettled households in urban villages. This is the real richest group. Especially when a lot of wealth falls from the sky, there is no pressure at all and the money can be spent as much as you like. . In addition, those who live in economically developed rural areas in coastal areas not only have a beautiful environment, but also have relatively low living expenses. Enjoying the beautiful nature, eating local chickens, ducks and vegetables grown by yourself is called leisurely contentment.

In fact, the most difficult thing is the middle class, which is envied by everyone. It seems that the annual salary is 30 to 500,000 yuan, there is an apartment at home, a house and money, and the generous treatment of high-paid white-collar workers. But there is an indescribable feeling in my heart. If I don't run, I am afraid that I will be replaced tomorrow, but if I run, I feel a little exhausted. We must also ensure that our children do not lose at the starting line. Even though the family situation was better, a second child was born, and everything returned to the original situation. Only by working hard and working hard can we continue to be envied. This is life. It is a more ordinary life than ordinary people!

If there are too many fixed assets and insufficient cash flow, it will be difficult to improve the standard of living. Nowadays, many households in first-tier cities have assets exceeding tens of millions, but have very little cash flow. Without enough cash flow, their consumption power is not high. How can they have a good standard of living?

First of all, you have to figure out what the top 10% of the country is. Perhaps you have misjudged your wealth. Your level is only the top ten percent in your community. You don’t have that many assets, so you don’t feel superior.

Secondly, you are not from a privileged background. I have been used to living in poverty since I was a child, and I value every penny, even though I have turned around now. Still reluctant to eat or drink. Reluctant to spend money. Just like Grandet.

Again, even though you have money. But your money is earned too hard. Although I have saved some money, I earned it through hard work, which is different from those big bosses. Therefore, I am reluctant to spend it.

In the eyes of most people, the life of a person below 0.1% is called an extraordinary living standard. And for most people, a higher salary or a lower income makes no fundamental difference to the quality of life. Earning a few thousand more a month can increase your national ranking by more than a few million if calculated based on the income ratio. However, this increase in income will bring little change to the quality of life. Therefore, the impact of assets on living standards will not be that big of a difference unless they are accumulated to a certain level, such as over 100 million.

The scale for evaluating a person, from low to high, is

1. Ordinary, 2. Extraordinary, 3. Not simple, 4. Great, 5. Exceptional, 6. Excellence, 7. Greatness.

Among them: wealth and consumption level are one thread; social level and family background are one thread; education level and cultural knowledge reserve are one thread; life experience story is poverty Or richness is a thread; contribution to society and the country is a thread. Based on the comprehensive consideration of these five lines, our true social status can finally be evaluated.

The main reason is that the currency is depreciating too fast, which is reflected in the fact that there are more and more rich people, and they will be surpassed if they don’t work hard. Think about the 10,000-yuan households in the 1980s and 1990s. If you deposit in a bank, you are now It’s a joke. Without a quick way to grow wealth, the average little rich can’t stop at all, so they are anxious about making money and don’t dare to spend money.

Friends, do you know what the household assets of 10 should be? Do you dare to "talk shamelessly" like this? Come to Shanghai and see that there are many apartments worth tens of millions, and the people who live in them don’t dare to call themselves “rich” because they work hard from nine to five every day. I guess anyone who can reach 10 can achieve "financial freedom" and spend money without accounting.

Friends, just look at the income and property of celebrities, and the property owned by corrupt officials who fell from power, and you will know how many figures should be included in the top 10.