35 years old, with a deposit of 3 million, lamenting that he has become useless and does not need to get married. How free do you think a person is?

In fact, 3 million deposits are really on the spire for the 35-year-old peers.

Although there are many people in the first and second lines, they have tens of millions of assets, mostly houses, and there is still a mortgage waiting to be repaid, not to mention 3 million. It is impossible to withdraw 654.38 million yuan in cash anytime and anywhere.

There must be many people who are more successful than him, but that doesn't mean that this person is not excellent, he is quite ahead.

Let me briefly talk about the significance of this 3 million yuan to the future, no matter whether the money is earned by himself or from other channels (given by his parents and won the lottery) or whether he has bought a house (not mentioned in the title).

Although it is true that 3 million deposits are not a small amount, in first-and second-tier cities, it is still far from the standard of financial freedom. If you have a stable job in a small city, a small county, etc. It's really enough for 3 million to spend a long time eating, drinking and having fun. If he has no intention of getting married, then he really doesn't need to marry a girl, in case he still thinks that people are coming for his 3 million. . .

Regardless of his other sources of income, 3 million yuan, if we want to stabilize risk-free investment, the annual rate of return is about 4-4.5%, which means that the interest in the early 10 thousand a month is enough to save some money.

If you make a portfolio of property, including stocks, funds, wealth management, trusts, etc. It is not difficult to achieve the goal of annualized 8%, but you have to bear some risks, and in extreme cases, you will lose interest or even principal.

Of course, considering inflation, it's hard to say how long 3 million yuan will last. Judging from the national conditions of low-growth countries such as the United States and Europe, after the slowdown in GDP growth, the growth rate of the price level is actually not too large, at least it will certainly not be as high as we did in the first 40 years. So in the short term, as long as there is a return on investment that outperforms CPI, you can live your own life according to your own ideas.

Of course, what others say is just a reference, whether it is sour or sincere, just follow your own preferences.