The Chinese New Year is coming soon, and I want to ask you a question, how much money have you saved in 2023?Listen clearly, I don't ask you how much money you make, I ask you how much money you have saved. Why do you ask?Because yesterday I had dinner with a few friends, everyone talked about this topic, and they all hung their heads, and they all agreed that it was really difficult for ordinary people to save 350,000 yuan. So why exactly?Today I would like to share with you why. The first reason is because you are an ordinary person. The word ordinary reveals many essential problems, such as not having a huge amount of savings, not having connections, finding a good job, and not having the knowledge and skills that a certain group alone has mastered. Since it is ordinary and ordinary, and there are no skills to keep around, it is difficult to jump out of the class, and it is impossible to save any money.
For example, I have a neighbor in my hometown, I call them uncle and aunt, they are probably in their 50s, my aunt has been a private teacher all her life, and then she has no pension when she is old, and my uncle is a farmer, and he found out that he had a cerebral infarction in the first two years. The aunt has no pension, but she has two sons at home, two sons are married and have children, and have four granddaughters and grandchildren. The only way to earn money in the family is through the fields, but how much money can you earn from farming?So how do you save money?If you want to say that people don't work hard, I don't agree. This society is not something that results from your efforts, and it is inherently unfair.
Most ordinary people spend more and earn less, if you save 50,000 yuan a year, an average of 4,167 yuan a month, that is, 4,167 yuan per month, relying on salary income alone, it is really difficult to save more than 4,000 yuan per month. The second reason is that the cost of living is too high. I remember many years ago, I read a report that a person earns 5,000 a month, but saves 50,000 a year, which is very powerful, but now there is no such thing, and there is no such person. With a monthly income of 5,000 and an annual income of 50,000, this is basically impossible, because the cost of living now is much greater than before, because ordinary people need to spend more money to maintain a normal life.
When you get married, you have to prepare for the wedding, some have to give gift money, and then buy a house, the situation in my country is that buying a house basically costs all the family's savings, and even has to take out a loan. Then there is the cost of having children, raising children, educating children, personal contacts, household expenses, and supporting the elderly. Therefore, even if both spouses have a basic income every month, there will be very little left. What I just said doesn't include illness, I am sick, my parents are sick, this is also a big head. In addition, in modern society, with the increase of various consumption**, people are more inclined to consume rather than save.
Advertising, social networking**, etc. are more likely to influence people's consumption behavior. So it's really hard to save 350,000 yuan a year. Some people will ask, I'm not a family, I'm single, am I easy to save money?This is not necessarily, take the Beijing where I live as an example, one of my sisters once calculated her monthly expenses for me, and I also made a special issue at that time, his monthly expenses include rent 3,500 yuan, meals 2,000 yuan, transportation 200 yuan, cosmetics 100 yuan, water and electricity bills 100 yuan, social 1,000 yuan, clothes 800 yuan. The total expenditure was more than $7,000.
According to this expense, you have to earn at least 15,000 yuan a month, and you can save 30,000 yuan a year. Reason 3: Lack of financial literacyMany ordinary people do not know enough about financial literacy and do not know how to effectively manage their money and investments, which may lead to their improper investment, which in turn affects their financial situation. If a person has loans, credit cards, debts, etc., then he also needs to use a part of his income to pay off these debts first, which reduces the amount of money it can use to save. Okay, the above is the reason why it is difficult for ordinary people to save 350,000, do you agree?