What level will a family save "654.38+ 10,000 yuan" every year?

Hello, landlord, what kind of level will a family save 6.5438+10,000 RMB every year? Save RMB 654.38+million every year, which is equivalent to disposable money and can reach RMB 654.38+million. According to the recently published statistics, the average per capita amount is about 20,000-30,000 yuan. This is the average level, so the household savings is 654.38+ 10,000. If counted by three people, it must be above average.

So it's still good. Of course, it is not easy to save 65438+ 10,000 yuan. In fact, it is still very difficult to save 65438+ million. On the one hand, you should be frugal. On the other hand, the money should not be spent. Only in this way can you save some money. Of course, if you save 6,543,800 yuan,

So I believe it should be a good level, but sometimes my ideas are different from those in real life. For example, I want to save money, but for some reason I can't. This is also normal. So if I have this idea, I must make sure how much money I want to save every year or every month, otherwise it will be difficult to achieve this goal.

Thanks for reading, please add my attention.

For ordinary people, not to mention saving 654.38+ million, the total income of husband and wife can also be 654.38+ million. Apart from children, the elderly and the world, it's good to save 30 thousand to 40 thousand a year. How many people in rural areas have children after marriage, and then save money for most of their lives. In order to build a house for children, marry a daughter-in-law, and finally get into debt, not to mention the standard of living. The living standards of migrant workers, workers and businessmen are different.

Save 654.38 million yuan every year. Congratulations, you have entered the top class in China. You're right, it's a cover shift. It can save 654.38 million RMB per year. According to the current average income level in China, it is at least in the upper part of the pyramid.

According to the data released by the National Bureau of Statistics, in 20 18, the per capita income of private units in China was only 49,757 yuan, less than 50,000 yuan, or even less than half of your so-called10,000 yuan. The more crucial factor is that this is only income, not savings. Before you earn money, you must spend and live, so you may not even have half of the money you can actually leave in a year, even if you are old. So in China, the annual income of 654.38+10,000 yuan is already a very good group, not to mention the remaining 654.38+10,000 yuan.

Although the savings deposits of Chinese residents have been increasing in recent years, even by the end of 20 18, the national per capita savings deposits are only about 50,000 yuan, which is the result of 70 years' struggle since the founding of the People's Republic of China, not just one year's efforts, so it should be an excellent level to save 654.38+10,000 yuan a year.

Under normal circumstances, if a family saves 6,543,800 yuan a year, then the youngest income of this family will reach more than 200,000 yuan. If a person works alone, not many people can get 200 thousand a year after tax. If both husband and wife work together and both are equally excellent, then the average annual income of both husband and wife should reach more than 654.38+10,000 yuan, as we have said in the first point. At present, the per capita annual income of urban private units in China is less than 50,000 yuan, and even non-private units still have not reached more than 65,438+10,000 yuan, so the figure of 65,438+10,000 yuan does not seem difficult.

It is not difficult for a family to earn 654.38+ten thousand yuan a year, but it is difficult for a family to save1ten thousand yuan a year. Because the premise of saving 65438+ 10,000 yuan is the money left after income MINUS expenses, if a family can save 65438+ 10,000 yuan every year, this level cannot be said to exceed 90% of the people in the country, and 70%-80% of the people in the country are still stable.

First, per capita deposits

According to the data published by the People's Bank of China as of 20 18, the balance of local and foreign currency deposits of all financial institutions in China is 182.52 trillion yuan, of which the total deposits of domestic users are 72.44 trillion yuan.

According to the data published by the National Bureau of Statistics, at the end of 20 139538, the total population of Chinese mainland was 139538 million, which was close to 140,000, so the per capita deposit was: 72.44 ÷14 ≈ 5170,000. Take a family of three as an example. What about the family?

In this way, the average annual household savings in China has exceeded 654.38+10,000 yuan, and it is more than that, but don't be too happy. There are other factors to consider here:

Average: The average deposit calculated here is only 5 1.7 million, but many people can't reach this figure, even 1 10,000, such as me (dragging my feet). Here, let's talk about computer calculation with an unchanging law "28 Law". If 20% people hold 80% wealth and 80% people hold the rest, then the per capita deposit is only: (74.44 trillion * 20%) (65.438+04 billion people * 80%) ≈ 1.

Second, per capita disposable income.

In 20 18, the per capita disposable income of the national people was 28,228, of which the per capita disposable income of urban residents was 3,9251yuan and that of rural residents was 146 17 yuan.

Based on a family of three.

The average annual disposable income of urban households is 6.5438+0.2 million yuan, so the annual expenditure must be controlled within 20,000 yuan to save 6.5438+0 million yuan, while the average annual disposable income of rural residents is only 438.5 1 yuan, less than half of 6.5438+0 million yuan. How can I save 654.38+00,000 yuan?

Therefore, at China's current level, it is not easy to make annual income 10, let alone annual deposit 10. It is better to work hard. If the annual deposit is really 6.5438+million, it is definitely more than most people, belonging to middle and high-level families.

What is the annual deposit of a family of 654.38+10,000 yuan? This depends on two aspects. If your family is a family of three at present, giving you 654.38+million RMB a year is a very good family. If your family of five saves 65,438+10,000 yuan a year, it basically belongs to an ordinary family.

For the post-80s, post-90s and even post-00s, most of them are families of three, and as a family of three, the main income source of the family depends on the income of one of them.

In some families, women's income is relatively high, which can basically reach about 8000, while in others, men's income is relatively high, which may reach about 12000. Of course, the family of three mentioned by the President has surpassed the working class whose living standard is over 95% in China.

If calculated according to the current normal level, the main source of family income is about 8,000 yuan, and the monthly expenditure is about 3,000 yuan. The monthly deposit is basically around 5000 yuan.

According to this ratio, the annual deposit is 60,000 yuan, which is far from reaching 654.38+10,000 yuan.

If there are only two children in the post-70s family, it is a common phenomenon for a family of five as a post-90s generation. For the post-90s generation, a family of five mainly has three laborers.

If as the main income of the family, the average monthly salary is about 8,000 yuan, the parents' monthly income adds up to about 5,000 yuan, and the monthly expenditure is calculated at 5,000 yuan, then the monthly deposit is about 8,000 yuan, and the annual deposit is 96,000 yuan.

Usually, if you invest in financial management, as a family of five, the annual income level can reach about 654.38+10,000 yuan.

On the whole: as a rural person, if he wants to earn 65,438+10,000 yuan a year, then he needs to do small business; If you are a family of three in the city, it is unrealistic to reach a deposit of 654.38+10,000 yuan; As a family of five, it is possible to reach an income of about 654.38+10,000 yuan a year.

In fact, in the current real life, families whose annual net income can reach 654.38+10,000 yuan can basically surpass more than 90% of the working class.

A family saves 654.38 million RMB every year. What level will it be?

On June 65438+ 10/7, 2020, the National Bureau of Statistics released the economic data for 20 19. The data shows that in 20 19, China's per capita GDP exceeded 1 10,000 USD for the first time, and the per capita disposable income exceeded 30,000 yuan for the first time, reaching 3 1 10,000, with a nominal increase of 8.9% over the previous year.

As can be seen from this data, the per capita disposable income is 30,000 yuan, a family has two people, and the average annual disposable income of each family is 60,000 yuan.

According to the statistics of consumption data, the per capita consumption is 20,000 yuan, the household consumption is 40,000 yuan, and 20,000 yuan can be used for deposits. In other words, on average, if a family saves more than 20,000 yuan a year, it will beat 50% of the people. If a family can save 654.38+10,000 yuan every year, it can make at least 80%.

Let's look at a set of data. As of 20 19 and 12, the population of China is about139.5 billion, with a total deposit of 65 trillion yuan and a per capita deposit of about 46,000.

The per capita deposit is 46,000, which is very high. But this is only a superficial phenomenon, and we must see the essence through the phenomenon. As we know, everything satisfies the 28 law, and the average is very deceptive. Once averaged, it loses comparability.

For example, Ma Yun can save 1 billion a year, and Zhang Sanyi can save 20,000 a year. On average, Zhang San is almost a billionaire. So it doesn't mean anything on average.

Up to now, the national total deposit is 65 trillion, with about 70 million people, accounting for 33 trillion of them. That is, people who account for 5% of the total population account for 5 1% of the total deposits in China. These people are the so-called rich.

There are about 560 million people with zero deposits, accounting for 40% of the total population.

About 51100,000 people not only have no deposits, but also have debts. These people are the so-called "losers".

According to the data of this caliber, the current per capita deposit in China is 46,000, and a family is 92,000.

A family's savings reached 654.38+million, beating at least 50% of the people.

Therefore, people with household savings of more than 65,438+10,000 belong to big money.

Saving 654.38 million yuan a year is quite a lot, and it can definitely lead most families in the country.

Compared with the second and third items, China's per capita disposable income is slightly lower than the per capita consumption loan. It can be seen from this that most people, not to mention having savings, can make ends meet and support themselves in one year.

So a family can save 654.38+ten thousand yuan every year, which is quite good. After five years, there will be 500,000 yuan, and after 10, there will be10 million yuan in deposits, which can exceed the vast majority of families in China!

Now people's income is really much higher than before. In ordinary third-tier cities, it is very common to have a monthly salary of over 10,000 yuan. But despite this, how much is left after the monthly income pays off the mortgage, car loan and consumer loan?

And the rest of the small funds, but also pay utilities, pay telephone bills, but also set aside a part of the funds for children's education. After that, it is very good for an ordinary family to have a balance of tens of thousands of yuan every year, not to mention saving 65438+ 10,000 yuan a year!

Tell me about myself.

10 June 3rd is the third wedding anniversary. Looking back on these three years with my wife, I found that my income has increased by 50% and my deposit has increased by about 500,000 (including the provident fund of about 200,000). Therefore, in the past three years, we have saved 6,543,800+0,000 yuan/year under the circumstances of paying off the mortgage 70,000 yuan/year, traveling/kloc-0.5 million yuan/year and honoring our parents 20,000 yuan/year.

My city is 65438+ 10,000 yuan/year, which should not be too much. There are many businessmen in the eastern region, and everyone earns more. However, it's not bad for ordinary office workers like my wife and me. I am also very comfortable in my own life circle.

Looking back, I was shocked ... because I didn't think I could save that much at ordinary times, and I thought my income could support my expenses. Fortunately, we always insist on financial management, open source and reduce expenditure, and live within our means.

There is a big gap in the level across the country, but being able to take root in the city where you live and save money means that life is getting better. Try to move closer to a better life!

A family saves 654.38 million yuan a year. Ten years ago, it was a high-income family, but now it is a middle-income family. Ten years later, it may become a low-income family.

Let's look at the latest situation. June 7, 2020 65438+1October 65438 The National Bureau of Statistics just released the income and consumption of residents in 20 19.

According to the data released by the Bureau of Statistics, China's per capita disposable income in 20 19 was 30,733 yuan, an increase of 8.9% in nominal terms over last year, and a real increase of 5.8% after deducting the price factor.

Calculated by a family of three, the disposable income of a family in 20 19 years is 92 199 yuan, which is basically close to the level of/kloc-0.0 million yuan. Of course, these do not include consumer spending.

We usually say that the deposit of 654.38+10,000 yuan refers to the net deposit after deducting consumption expenses, but there are two points to be explained here.

It can be seen that a family's annual savings is 6.5438+10,000 yuan, which is not a high income in cities above the third tier, and only below the county level can it have a sense of superiority.

Judging from the growth rate of per capita disposable income, the nominal growth rate reached 8.9% in 20 19, and the actual growth rate reached 5.8%, which also illustrates two problems.

Considering the above two factors, in the past, only high-income families could save 654.38+million yuan every year, but now many ordinary families can do it. If we look to the future, it will be easier and easier to save 654.38 million+every year, but the value of 654.38 million+is also declining.

A family can save 654.38 million+RMB every year, which is considered as the upper-middle level. Although many people think that 65438+ 10,000 yuan is not much, in fact, such a deposit level is indeed above the average.

According to our deposit data in 20 18, at the end of 20 18, China's deposit balance was 72.44 trillion yuan, and the per capita deposit was 5170,000 yuan.

If the total number of households in the country is 430 million, the average deposit in the country is 65.438+068500 yuan.

Therefore, it can be seen that if a family can save 654.38 million yuan every year, it will only take two years to exceed the national average household deposit balance. It can be seen that a family that can save 654.38+10,000 yuan a year is also an upper-middle class family.

From 2065438 to 2008, the average annual salary of our employees was 68380 yuan, that is, the monthly salary was 5698 yuan. After paying five insurances, one gold and one tax, the monthly salary is about 4,500 yuan, that is, the annual net income is 54,000 yuan.

It can be seen that if a family wants to save 654.38+10,000 yuan, then the annual income of this family should reach about 200,000 yuan, in order to realize the idea of saving 654.38+10,000 yuan every year.

If two people in a family go to work, the average annual income of each person will reach 96 thousand yuan. In this case, the annual net income is 78,624 yuan, and the net income of the couple is 1.57 million yuan. If you only spend 57,000 yuan a year, that is, you only spend 4,750 yuan a month, then you can save 65,438+10,000 yuan a year.

Therefore, it can be seen that the income level of 96,000 yuan a year is also higher than the average income level of the employed population, and this income level is of course the upper-middle level.

To sum up, a family that can save 6.5438+10,000 yuan every year is really an upper-middle class family. Such a family that can save 65,438+million yuan every year, regardless of the amount of savings or the salary level, is regarded as an upper-middle class family.