After 90, the debt is one million. Let's talk about this phrase.

Once upon a time, there was a popular story, which was an educational model of China people's consumption concept.

About American Grandma and China Grandma.

What I'm talking about is that the old lady China saved enough money when she finally got old.

I bought a house, but I have little time to enjoy it.

Everyone feels that the old lady China has had a hard time and finally has no chance to enjoy happiness.

In the United States across the ocean, there is also an old lady who borrows money to buy a house and enjoys life at ordinary times. Her mortgage was paid off when she was old.

It makes people feel that American old ladies know how to enjoy life and know how to be happy.

I believe that almost all post-90s have heard this story.

At first, I felt the same way when I heard the story. Why do American old ladies know so much about life, while our parents are still scrimping and saving?

Every penny has to be racked for two cents.

The same result is to buy a house, but the old lady in America leads an enviable life.

Since I heard this story, my thoughts have changed unconsciously.

Whenever my parents hesitate to buy a lot of goods at home, I will keep repeating the stories of two old ladies to my parents.

Look at the old American woman, she will live a more wonderful life!

Unconsciously, the consumption concept of the whole family has gradually changed.

However, careful people will find that the story of two old ladies just tells us how to spend money and how to spend it.

How to make money, but never say a word

This story tells us a sinister thing. If you live, you have to buy what you want.

Go to high-end places to spend. Travel around the world, flying around.

Punch in network celebrities and find your true self!

When the money in hand can't meet all these ideals, then take a bold loan.

Consume in advance and overdraw the future!

This story is widely circulated and happens to meet the post-90 s who are eager to live a very exquisite life.

Highly consistent value orientation, hit it off, like a dry fire, burning.

The concept of leading consumption has influenced and changed the consumption habits and sense of responsibility of the post-90 s generation.

Today, with the financial credit system becoming more and more perfect, countless members of the post-90s generation who have never thought about whether they can repay their debts are falling into an irreparable abyss.

The post-90s generation has never experienced the hunger, poverty and confusion of the post-80s.

It has caught up with the great era of car and plane travel, abundant living materials, the prevalence of mobile Internet and economic take-off.

After 90, the age is in an embarrassing situation of saying that it is not big or small.

Most people live a pseudo-exquisite life with low income.

Pay attention to everything, such as movies, disco dancing and bars.

Drinking, smoking, big waves, hot tin foil, everything.

Entrepreneurship, buying a house, buying a car, luxury goods are fatter than anyone else.

Credit cards, loans, flowers, usury, mutual profiteering.

It is in such a fucking story that the post-90 s understanding of money is getting weaker and weaker.

Coupled with the emergence and prevalence of mobile payment function of mobile phones, the younger generation spends a lot of money, which is beyond their ability.

Because when you pay, you can't see the passage of money at all.

With a touch of the phone, the transaction was completed, and everything seemed so calm.

There is no entanglement and inner magnificent struggle when spending money.

By the time you regret it, the debt has become astronomical!

Once they have no money, they will borrow a lot from relatives, friends and the internet to make up for the demand for houses, cars and high consumption.

It is worth noting that in the environment of overdraft consumption, the post-90 s have entered the era of comprehensive debt!

What is money?

The essence of money is the medium of exchange between things.

In recent years, prices have been rising and the purchasing power of RMB has been declining.

In other words, things are getting more and more expensive and money is getting less and less valuable.

Aside from objective factors such as inflation and excessive currency, things are getting more and more expensive because the younger generation has different understandings of money.

In the past, people lived frugally and were only willing to spend money on basic necessities.

In order to save the fare of 5 yuan's money, I am willing to walk for 20 more minutes.

But now, people are still willing to spend money on material and spiritual enjoyment.

Money, in the eyes of young people, the more you use it, the better, and the more you use it, the less it hurts.

With a monthly salary of 3,000, I dare to buy an Apple mobile phone of 8,000.

The monthly mortgage and car loan are very tight, but I still learn from Tik Tok's petty bourgeoisie and spend money to travel abroad.

No money!

Easy to handle!

Tencent's Micro-loan, JD.COM. Iou of COM, Didi Didi loan and cash loan.

Baidu has money to spend, Suning pays at will, Gome buys, and the journey is no use. Where can I spend it? ....

It seems that you can easily borrow money on all domestic apps.

That's right. What if something is a little more expensive?

The big deal is to borrow more!

The debt level of the post-90 s generation has long been terminally ill.

The convenience of all apps and credit cards gives people an illusion.

It makes you feel that no matter how you spend it, there is still money in your pocket.

When the bill comes out and you need to pay it back, you will be surprised that you didn't spend so much!

Slowly, robbing Peter to pay Paul, making ends meet, was finally crushed by debt.

Sleeping every day is a nightmare, I don't know when it will end.

A Hong, a girl from 1993, comes from an ordinary family.

After graduating from college, I became an English teacher in a training class.

Third-tier cities earn more than 4,000 yuan a month.

Share an apartment with two girlfriends, never cook, eat and rent a house every month 1500+.

Not counting the cost of buying cosmetics, clothes, etc. Wear a heavy down jacket every day in winter.

Send the clothes to the dry cleaner as soon as they arrive.

Spend money and do whatever you want.

Some young people have low wages, but they borrow money to buy brand-name clothes, cars, travel and bars.

Loans, flower beds, reserve funds and Meituan loans are all in use.

And some credit cards.

Even some loans play tricks on friends, play games, borrow 70,000 to 80,000 yuan, and the interest rolls, 200,000 yuan, and work three jobs at the same time to repay.

Excessive consumption has hurt a generation.

Xiao Xiong Man, a friend born in 1980s, said that when he was in college, the most expensive coat was 100 yuan.

Basic consumption is one month in 400 yuan.

It's extravagant to eat a roadside stall and occasionally buy some fruit drinks.

Now I go to the mall with my daughter-in-law, and the little girls buy all kinds of expensive clothes from buy buy.

The little macho man shouted, there are more and more plastic faces on the street, and the food must be the online celebrity restaurant. A meal costs several hundred yuan.

People who don't look rich don't know where the courage to spend comes from.

Colleague Zhang Daqiang also broke the news that there was a post-90s girl beside him.

The monthly salary is more than 2,000, and the credit card debt is more than 100,000.

Just wait for the blind date to get married and pay back the credit card with the bride price of the future husband's family!

The world is big, and there is no wonder!

Different times have different times.

I don't know when and where the story of two old ladies originated.

What is the author's intention?

However, the views expressed in this story have really influenced the generation of young people born after 90.

Of course, including me.

And the old lady in the story who bought a house with a loan and enjoyed her life.

In the United States where she lives, the subprime mortgage crisis broke out because of her early consumption.

It caused economic depression and a large number of people lost their jobs.

At present, young people have two kinds of freedom in their hearts.

Lipstick for ladies is free.

Cherry man is free.

Freedom is not achieved by a large number of unrealistic debts.

Did not cross the financial debt red line.

But by our generation of young people, real, step by step efforts!