With a deposit of 200,000 yuan, can I stop working?

The deposit of 200 thousand is really not a lot of money in today's society, but a small sum of money; As for your question, I have a deposit of 200,000 yuan. Can I go to work in another way? I think you should decide whether you want it or not according to your own situation. Let's talk about my personal opinion.

If you are over 60 now, you are already old, have a retirement salary, or have purchased social security for more than 15 years. In this case, 200,000 people can go to work differently. Holding a pension or social security fund is enough for you to live, and 200,000 deposits pay interest. As long as there is no serious illness, this money can be moved differently, so that you can enjoy your old age;

But if you are under 60, especially young people aged 20 to 30, if you don't go to work at this time, you are waiting for a hard time. There is a saying that "sit on the mountain and eat empty". I believe you will understand this truth.

First, I want to settle an account with you. You deposit 200,000 yuan in the bank, which means that the interest rate of your certificate of deposit is 5.5%, and the annual interest is only 1. 1 1,000 yuan; You can imagine what 1. 1 ten thousand yuan can do now. What can I do with this interest? Even the most basic life can't be guaranteed, so I can only slowly eat up all my 200 thousand. When you are really old and have no savings, you will live a real hard life.

But if you choose to work, at least you will have an income to increase your living expenses; It's almost the same as going to work now, and the minimum monthly salary is about 3000~4000 yuan. If you have certain skills or skills, your monthly salary will be higher; At the very least, with this salary, I can live without eating everything, and life is not so boring. Why not?

In short, the question is whether to go to work with 200,000 savings. I don't think you need to go to work unless you are over 60 or have mobility problems. Otherwise, if you are still young, your 200,000 deposit is really a lot of money, and it is a long-term expense to support your family. Otherwise, you will sit quietly and watch the tigers fight, and you can't afford an empty salary. An illness sent 200 thousand to the hospital. So I advise you to move easily as long as you are young. Even if you have $200,000, you still need to go to work. It's hard not to go to work.

The deposit is only 200 thousand. Whether to go to work or not, I think it should be punished according to age. If people are generally around 50, they should go to work as usual.

I don't know how old you are. If you are over 60 years old and have labor insurance, or 70 to 80 years old, I think you can work away from home. If you are still young, I don't think so.

Because in daily life, in addition to normal expenses, there are many unexpected expenses, especially hospitalization for serious illness and surgery, which are even more difficult to spend without labor insurance.

If not, how many times? No illness, no disaster, just a small deposit of 200 thousand, can not stand the toss.

Minors should go to work and continue to increase their income to prevent accidents.

There is an old saying that "sitting in the sea for three years will be empty", which may be the reason!

A deposit of 200,000 yuan is not a small sum. If it's pounds and dollars, it's even bigger. I don't know how old you are now. You can die over 80, but you are unmarried. 200 thousand is not enough for your girlfriend's tip, so I don't know which age you belong to. A little activity within a healthy range is good for your health, whether you can do it or not. If you are sick and the medical expenses are not enough, you will finally pay the deposit to the hospital.

That's hilarious. 200 thousand doesn't go to work If you have 2 million yuan, maybe you will call on the whole family not to go to work. How hard is it to go to work?

The point is how old you are. If you are 80 years old, you may be almost there. If you are a young man, let alone 200,000 or 400,000, you are not old enough. Now, prices are soaring every day. Let's live a normal life, if nothing else, 100 yuan a day! Thirty-six thousand yuan a year. How many years can it last? Among them, you can't get married and have children, perhaps because of your worldly wisdom and affection, you can live in seclusion.

200,000? ! Nothing! No job! I'm starving for three years and five years! I have a house and a car, and my deposit is much higher than 200 thousand! Dare not relax! Work hard every day! Because there is no way! No sense of security!

The landlord may not have to go to work at all, but the landlord should pay attention to the following points:

1, protect yourself and your family from getting sick, no matter how big or small, even if you are mentally ill, don't go to the hospital when you are born.

2, don't go out to the vegetable market, 4s shop, bar, bath center, etc. Because you only have 200 thousand, you don't deserve to go to these places.

3, since we don't go out to work, the fields at home must not be abandoned. Even if you can't farm, don't read the book of money, because you don't have enough money to look down on it.

Never hold a wedding or wedding at home. The most important thing is not to die, because there are only 200 thousand, so I can't afford to die.

Finally, do you know what 1+ 1 is?

I have to admire your courage. I am amused by your success. Consider saving 0.2 million/200 thousand for not going to work. Tracing back to the source, you are too naive, and you may not quite understand the meaning of the word "too difficult" of the most online celebrities this year.

1, deposit 200,000 yuan without going to work. The implication is that the subject is considering using this 200,000 deposit to earn interest. Then I will tell you responsibly that this is impossible, and then calculate how much interest can be generated by saving it for 200 thousand years. At present, bank time deposits are 1 year 1.75%, 2.25% for 2 years and 2.75% for 3 years and 5 years. However, considering that the bank has floated to a certain extent, the 5-year average interest rate is 4% without pressure, with annual interest = 200,000 * 4% = 8,000 yuan and average monthly interest = 8,000/12 = 666.66 yuan.

2. According to the press conference of the Ministry of Civil Affairs on 2065438+2009125 October, by the end of 2065438+2008, there were 350197,000 rural residents in China, and the rural minimum living standard reached 4,833 yuan. 8,000 yuan is indeed higher than the national minimum living standard, but this minimum living standard is aimed at the rural population, and 80% of this population needs to be self-sufficient. In other words, the rural minimum living standard of 4833 yuan is only used to buy necessary industrial products, such as salt.

Give a practical example: My hometown is Dazhou, Sichuan. Add steamed bread to breakfast porridge, cook porridge yourself, and buy steamed bread in town. It costs 3 yuan for a person to eat a meal, and two vegetarian dishes at noon and evening. When we go home, we don't need firewood, but we use canned gas. Spend 10 yuan at noon and evening, and basically 13 * 30 = 390 yuan starts every day. We definitely won't eat meat once a month, twice a week, half a catty each time, 4 to 5 kilograms a month, assuming that 5 kilograms will be 10. ..............

There is no need to continue the calculation.

Conclusion: It is absolutely impossible for 200,000 people to live on interest if they don't go to work.

I am a minimalist investment practitioner!

Can you stop working with a deposit of 200 thousand ... not the main question, but do you have any other income after you have a deposit of 200 thousand If you have a deposit of 0.2 million/200 thousand, you can only live on this deposit if you don't go to work and have no income. It can be said that no matter in second-tier or third-tier cities, you can't rely on this deposit for a long time!

Suppose you have a deposit of 200,000 yuan. If you don't go to work and don't have any income, it is absolutely impossible to calculate interest income according to the current mainstream stable wealth management products or conservative deposit products without any income. You should rely on this deposit for a long time.

Ordinary time deposits in banks: calculated according to the central bank's benchmark deposit interest rate rising by 40%, the one-year interest rate is 2. 1.67 yuan, the two-year interest rate is 2.94% 16.33 yuan, and the three-year interest rate is 3.85 yuan 2 1.67 yuan's daily average interest income.

Yu 'ebao: At present, the rate of return is between 2.3% and 3.18%, and saving 200,000 yuan a day is the interest income of 12.7 yuan-17.67 yuan.

Bitcom: The current rate of return is between 2.0% and 3.21%,and the deposit of RMB 200,000 is RMB11RMB-17.83.

Money Fund: At present, the money fund products on the market are basically between 3.0% and 3.9%, with a daily deposit of 200,000 yuan 16.67 yuan -2 1.67 yuan interest income.

National debt: At present, the national debt issued in China is 4.0% for three years and 4.27% for five years, and the interest income of 200,000 yuan deposit is 22.22 -23.72 yuan a day.

Steady financial management: the interest rate of steady financial management products sold by banks or consignment agencies is basically between 4.0% and 4.8%, and the daily deposit of 200,000 yuan is 22.22 -26.67 yuan.

Smart deposit in private banks: smart deposit products launched by private banks have high deposit interest rates, 4.5% for one year and 5.7% for five years. The deposit of 200,000 yuan a day is 25 yuan -3 1.67 yuan.

High-risk wealth management products are not suitable for you to choose, because you have to rely on this deposit to maintain your life, and the probability of principal loss cannot be too high! ! !

After reading the above stable wealth management products and conservative deposit products, the interest income generated by saving 200,000 yuan every day is between 1 1 yuan -3 1 yuan, so it is needless to say how much the per capita consumption in major cities is at present. Do you think the daily interest income alone can meet the needs of a normal person or family? ...

To sum up: the reasonable combination of financial management and 200,000 deposits can indeed increase the annual interest income, but if you rely solely on this deposit to maintain your life without any income, it can be said that it can be achieved for a while, but it is impossible to achieve it for a long time. In other words, with a deposit of 200,000 yuan, you can't leave your job without any income.

Even if you have 2 million yuan, you should be busy thinking about making more money every day, just 200 thousand, so forget it, comrade. You need to keep working hard.