What's it like to earn 20 thousand a month? What about the great gods

What's it like to earn 20 thousand a month? The first feeling may be that a large part of the money has been deducted before it is available.

As we all know, actual salary = wages payable-five insurances and one gold-absenteeism and other fines-tax payment.

Let's calculate personal income tax first. From 20 1 8101month1,the tax threshold will be raised to 5000 yuan. Due to different local policies and companies' payment ratios, 20% will be deducted for five insurances and one gold, and the remaining 16000 -5000 yuan = 6500 yuan.

Individual income tax = monthly taxable income × tax rate-quick deduction

That is, 20000 (salary payable) -4000 (five insurances and one gold) -5000 (tax deduction) ×3% (tax rate) -0=330 yuan.

From this calculation, the actual monthly salary of 200 million yuan should be between 15000 yuan-15670 yuan.

The salary of 20 thousand is actually the feeling of 15 thousand!

Considering the level of professional skills and education, for ordinary job seekers, the monthly income of 20,000 yuan is already considerable, and it may be difficult for most job seekers to reach the level of 20,000 yuan and the appropriate middle-class level in their whole career.

However, a decent income does not mean a decent life. If you have living expenses such as mortgage, car loan, children's education and supporting the elderly, you can actually feel that the money has not been spent.

mortgage

Now 70% of young people are house slaves. If they can buy a down payment house in Beijing, if the down payment is excluded according to the calculation of 80 square meters and 50,000 square meters, assuming that the loan is about 3 million, the monthly loan repayment needs 15000-20000, and the income of 20000 is not enough to repay the loan, which is relatively tight.

auto loan

Spend100000 to buy a car, pay half down payment, pay off the loan in two years, and pay back about 3000-5000 a month, which is not a small sum.

Children education

Children nowadays usually go to school at the age of two and a half. Kindergarten tuition is 2000-4000 yuan a month, and interest classes are occasionally reported. According to buy buy, they need to spend at least 654.38+10,000 yuan a year.

Support for the elderly

If there are elderly people at home who are in good health, they should not spend money for the time being, but a little less is also a big expense.

It can be seen that the monthly income of 20,000 is actually completely uncompetitive for the current expenditure level of large and medium-sized cities.

For people living below second-and third-tier cities, it is still quite impressive. At the very least, mortgage can reduce expenses by 60%.

So I think 20 thousand yuan is really a high salary, but it still depends on the consumption environment. In order to improve the quality of life qualitatively, we need to continue to increase our income!

I hope my answer can give you some help.

Hello, everyone, I'm KK. I used to be a small artist in Nanpiao. I accidentally got the number you said. Share it.

I'm not ashamed to say that before I got my basic salary 1000 for more than a month, my monthly salary was 5000. Later, the company closed down and had to change jobs. The skyrocketing wages and bonuses make me a little unbelievable. The boss's meeting left a deep impression on me and told me that this year's commission structure algorithm needs to be adjusted. I really told my boss at that time, and I just tried to do things well and make my vision stronger. Other bosses have the final say. I'm not good at math, so my head looks big. It is true that I have a very good relationship with my boss. Later, I saw tens of thousands of dollars in bonuses on my bank card, and I was really happy for several days. This is also the highest bonus I got.

My work there really played a certain role, and I really worked hard to help the company improve its horizons, build a brand and make some money, but luck is really important. First, the e-commerce industry I entered at that time was a booming period. Second, the company I worked for was also a time of rapid growth in those one or two years. Third, before I went, the employees in the former company were generally not strong. To tell the truth, I was above average, and many people who were better than me couldn't get my high income.

I calculated by myself that I have three hours to do serious things by myself every day, and then I spend one or two hours to lead the department to improve and communicate with my colleagues to solve some problems. I spent the rest of my time surfing the Internet-watching design, studying and chatting with netizens. The company is thriving, the boss makes a lot of money, and the better the benefits, the better. Being late or something, never deducting wages. The company has a lounge, which has fruits, ice cream, drinks, coffee machines and tea for a long time. You can go there if you want to do or say.

There is nothing left every month. If you earn more, you will naturally spend more. At that time, it was roughly estimated that my wife and I were in Guangzhou with our eldest daughter. We went out for two days every weekend and went to the supermarket to buy something for 2000 yuan. In this way, almost 10 thousand will be gone in a month, and I feel that some daily consumption has not been bought or wasted. At that time, I felt that shopping became more expensive. Go to Guangzhou department store to buy a thin coat in winter, and you can't buy it within 1000 yuan. I've always had a frugal idea. I don't have any requirements for clothes. I'll find something cheaper. My wife also started to buy some first-line brands at that time, and the money soon ran out.

It is the first time that the monthly income has exceeded 10,000, and that's it. . The salary was paid on the card, and I didn't feel anything. I jumped with joy when I saw the year-end award, and it felt like winning the prize.

It seems that pictures are popular now. Send a product that was previously taken for American customers. . . It was interesting, but it wasn't given to me. . . Or we in China are generous.

As a small entrepreneur, my current income can reach 20,000 to 30,000 a month. Let me talk about this problem, hoping to solve your doubts.

This is my monthly income for 20 19 years, with a maximum monthly income of 40,000 and an average of 20,000. To tell the truth, there is no feeling, only feeling: money is not enough! Poor thing!

By the way, I'm single dog! I still feel that I earn too little money! The mentality is more impetuous!

It took me ten years to get a monthly salary of about 10 thousand. But my date is almost 8 thousand, and the two people add up to almost 20 thousand ... let's focus on several aspects.

1, family expenses, my parents live with me now to look after the children, and my parents have a pension. Usually, in addition to the basic telephone charges, property fees, mortgages, gas fees, etc., there is no need to spend money on various expenses at home. My wife is five years younger than me. She/kloc-met at the age of 0/8 and got married at the age of 22. We are basically naked. Now she is also very married. I don't buy cosmetics. My aunt's children also dumped the clothes my children were wearing. We basically go to the supermarket four times a month, and each time it costs three or five hundred yuan. In my impression, there is basically nothing to spend.

This car was bought in the sunshine several years ago. Very cheap. It has been open for a long time, and it has feelings. Fuel-saving, good driving sense. The company has gl8, and there is a driver when going out to work. Sometimes the car at home doesn't work.

House 1 10. I feel really small. I should exchange it for a bigger one. It may be that the work is busy, the children are still young, or the living habits have not changed. This house was bought by borrowing some money and paying a down payment. It was decorated bit by bit. Now I have money. The furniture I bought is getting better and better, and I put it in my hometown in the countryside. My family has two bungalows with yards in the township. There are also

In addition, when it comes to feelings, I live in the county town and feel that I have no place to spend money and no desire to spend money. I am alive and well.

20 thousand is overdrawn! Beijing, I pay 30 thousand a month after tax! It's basically moonlight, but fortunately, the daughter-in-law pays the rent, otherwise our family needs 50 thousand to balance the expenses! 30 thousand yuan is too hard in Beijing. My husband and wife basically cook by themselves. We eat four sea cucumbers for breakfast, but hardly any for lunch. Dinner will be more abundant. Steak and sashimi make seafood once a week! Go to Badaling Ole every week to buy some discounted clothes, just those brands, and rarely go to SKP! Daughter-in-law wants to buy a bag a year. The distribution of Hermes is estimated at around 200,000. Fortunately, no one wants my salary! As a tourist fund, the year-end award will stay in Sanya for about a month in winter to treat my rhinitis.

The salary of 20 thousand is indeed quite a lot, which belongs to the upper-middle income level, but if you want to live a better life and buy a house and a car on your own, you still need to continue to work hard.

Now I can earn 20 thousand a month, which is a relatively high income level. According to the average annual salary of all employees in 20 18, the salary level of 20,000 yuan per month is more than twice that of all employees in 20 18. So this income level is definitely a relatively high income level.

The monthly salary is 20,000 and the annual salary is 240,000. If you remove the five insurances, one gold and one tax, you will get about 654.38+086.7 thousand yuan, which means the monthly net income is 654.38+0556 thousand yuan.

If you have a house, you can live a good life with a monthly salary of 20 thousand. The monthly salary is 20,000 yuan, and the actual monthly income is 1.556 million yuan. This income level is enough for a family to live a better life.

Now that you have a house without a mortgage, you can live a normal life. If you are frugal at home, four or five thousand yuan a month will be enough. So a monthly salary of 20 thousand can really be better.

If there is no house, then the monthly salary of 20 thousand may also be relatively tight. It may be difficult to buy a house in a first-tier city with a monthly salary of 20 thousand now. If you buy a house in a fourth-and fifth-tier city, it may be a little looser.

In first-tier cities, even if the house is smaller, it may need about 3 million. In this case, if you want to buy a house with a monthly salary of 20,000 yuan, you may need to pay a down payment of about 6,543,800 yuan, which can only be saved in 89 years.

And if the loan is 2 million, the loan term is 20 years, and the annual interest rate is 5.88%, the monthly repayment needs13199.6438+01yuan.

In this case, the monthly net income is 1.556 million yuan. The mortgage was paid off, leaving only 236 1 yuan.

So it can be seen that with a monthly salary of 20,000 yuan, it may be difficult to buy a property of 3 million yuan.

Of course, if you buy a house in a third-and fourth-tier city, and the total property price is around 654.38+0 million, then you can still buy it with a monthly salary of 20,000.

I don't know. I'll tell you what 30 thousand to 40 thousand looks like It all depends on your state. For example, at the age of 20, if you just want to eat something good and wear a small brand name, you will feel that your monthly salary is 20,000. If he is in his thirties and doesn't need adoptive parents, he will feel just right. If his parents in their forties and fifties want to raise a child, he will feel great pressure in the face of a family in their twenties. Let's talk about myself. At the age of 26, my parents are farmers, so it is difficult for both of us to go to school. Just graduated, we are facing the age of marriage. Now that we are married, we have a car, a house and a bride price. The three of them have low incomes. In my opinion, even three people plus one are ignored. I have worked hard for five years. I bought a house for my brother in the county town, decorated it well and bought a car of 100 thousand. And bought a house. I bought it myself. Although people may think that my income is ok at my age, a poor family can easily turn over in a short time, and life is still very economical. I'm going to start a blind date when I come back this year. As a result, for reasons that everyone knows, I stayed at home for a month and missed another year. Maybe the material conditions for getting married will be ready in two or three years, but by that time, I will be in my thirties and miss the beauty of my youth, which is a pity. Therefore, it is one-sided.

If I earn 20 thousand a month, I can plan my life and manage my money, I will be very comfortable. I'm almost at this level. Now in Guangzhou, you can basically eat whatever you want, live wherever you want, and play wherever you want. But the work pressure will be great. Let me talk about these two aspects.

My family bought a small house in the suburb of Guangzhou. The monthly payment is only more than 3,000, the living expenses are more than 2,000, and the average child expenditure is about 3,000 a month. The car loan is more than 3 thousand, but it has been paid off. So the cost of a month is about 9 thousand, my after-tax salary is about 15 thousand, and the net surplus is about 6 thousand, plus my wife's salary is 8 thousand and one month.

So our life is like this:

Going out to a restaurant for a big meal once a week costs a family about 300 yuan.

Travel once a month for a day or two. Go out once a year and stay in China or Southeast Asia for a few days.

Leisure activities once a week, such as watching movies, singing K or foot massage.

I built a house in my hometown, a small apartment in my hometown city, a small apartment in Guangzhou, and a car of 200,000. So basically you can live wherever you want, go wherever you want and eat whatever you want. Feel happier.

However, the work pressure is great. 996, you can't get home until 90 o'clock every day, and you often have to work overtime on weekends. No matter where you are, you should handle the emergency call from the company.

Therefore, pay and gain are in direct proportion. There are very few people who earn more than 20 thousand easily.

In addition, don't overextend your material desires. Life should be content. Material desires continue to expand, and the shackles of life will become tighter and tighter. Earn more than 20 thousand a month, even in first-tier cities. As long as you can be content and control your material desires, you can live well.

Salary 15K, sideline 3-5K, almost 20,000 a month, not enough to pay off the account. what do you think?