Can I retire early if I have a house, a car and a deposit of 6.5438 million?

Many people reach the age of 50 and pass 500, perhaps because they can no longer take part in social work for physical reasons, or because they are too tired to work and want to go home and enjoy their old age. Just when they think they can retire early and look at their current situation, many people will give up this idea. Even this idea will become a great motivation for them to continue to participate in the work. The topic of frequent hot search recently is, if you have a house, a car and a deposit of 654.38+0 million, can you realize your dream of early retirement? A small number of netizens said that such economic strength can lead a retirement life in advance. However, many netizens hold a negative attitude towards this. Even after being interpreted by many social experts, the final answer is still "reality". What is the answer? Let's have a look. 1. Early retirement? As we all know, according to China's regulations, the retirement age for men is 60 and that for women is 55. Then people who have not participated in social work before the legal retirement age can be called "early retirees". At present, many people in China live a life of "early retirement", but most of them are former billionaires. Before the legal retirement age comes, they have accumulated assets that can provide them with food and clothing for a lifetime, even for generations. Only this kind of early retirement accounts for about 1%, which means that only a few people in China can enjoy early retirement. If ordinary people want to retire early, they really have to decide according to their own situation. Of course, people with many children, filial children and high income can also consider retiring early. However, in China, most of the post-90s and post-00s are only children, and the pressure for only children to support their parents is relatively high. It can be inferred that it is impossible for most people in China to "retire when they say so", because if they retire early, they will have no source of income, such as wages, and will not be able to receive state pensions for the time being. In addition, children's help to their retirement life can be said to be minimal. Secondly, the topic of whether having a house, a car and a deposit 1 10,000 can retire early has also caused a heated discussion on the Internet. Some netizens once asked such a question: How can we enjoy retirement in advance? Is it okay to have a house, a car and a deposit of 6.5438+0 million? This problem has quickly attracted the attention of all walks of life. Some netizens said, first of all, having a house and a car proves that you have a fixed residence and it is convenient to travel. Plus 1 10,000 deposit, it is ok to save money every day. However, more netizens said that having a house and a car with a deposit of 654.38+0 million is not enough to support their early retirement. Netizens express their opinions. When opinions were polarized, authoritative sociologists in China gave their answers, and their answers were still "reality". What is the answer? Come and have a look. Third, the answer is "reality". Domestic sociologists say that we should have a deep understanding and concrete analysis of this topic. First of all, the two main points mentioned in the topic of "having a house and a car" are that a house and a car are indeed necessities of life. Now most families also have a certain economic strength, with houses and cars. However, we must first look at a major premise, that is, are the houses and cars still in the process of repaying loans? If you are still burdened with mortgage and car loan, it is completely impossible to retire early. Even if the house and car have been returned, if they belong to themselves completely, they are unlikely to retire early. Let's calculate two accounts. Even if you don't have to repay the loan, you still have to pay property management fees, utilities, garbage fees, gas fees and so on every year, because as long as you live in this house, you will have expenses. Together, these expenses will cost about 6,543,800 yuan per year. Where is the car? As the saying goes, "buying a car is easier than maintaining it." It is easy to buy a car directly. Maybe we can buy a car for about 1-2 years, but the maintenance cost in the later period of the car definitely exceeds the car purchase cost of 1.5 million. Car maintenance work 1-2 times a year, daily maintenance expenses after car bumps, annual review, car insurance, etc. Add it up, it must be a big expense. It is estimated that it will cost you about 20 thousand every year. Let's talk about whether the deposit of 1 10,000 yuan can support your basic living expenses after early retirement, regardless of the house and car. According to China's big data statistics, the daily living expenses of a family are around 20,000 yuan a year. In other words, if you retire with your husband/wife, you have to pay 40 thousand a year. 1 10,000 yuan deposit is only enough for husband and wife for 25 years. In other words, if you want to retire at the age of 50, then the 1 10,000 deposit is only enough for you to reach the age of 75. What about after 75? You will have to live on your pension. Moreover, the deposit of 654.38+00,000 yuan can be used for 25 years, which is the conclusion reached in the most ideal state. We must also consider inflation and soaring prices. Therefore, before retiring early, everyone must think about how to live after retiring early. At present, most people in society have no hope of early retirement, because according to their present situation, they are really not allowed to make the decision of early retirement. What they can do now is to be as old as possible while they are still healthy. After all, in their view, only the monthly salary is the greatest guarantee for future retirement. Although the conclusion says that everyone wants to retire early, because sometimes they get angry in the workplace and feel that they don't have to look at anyone's face after retirement and live a free life. However, imagination is always beautiful. Looking at the real situation, there are very few people who can retire early, and most people can only stay in their imagination. According to the age of centenarians, even if they have worked hard for half their lives or even most of their lives, they have a house and a car, and there are quite a few deposits of 654.38+0 million. But if you calculate carefully, the above conditions are not enough to support everyone to retire early.