Recently, I have always heard people say that if you have a deposit of 3 million yuan, you can lie flat just by eating interest. I can't help but want to share my personal experience.
A few years ago, by chance, I won the jackpot and got 3 million yuan. For me, an ordinary worker, this is a huge amount of money!So, I thought, I can finally lie flat now.
However, reality quickly taught me a lesson. In the beginning, I deposited my money in the bank, and the monthly interest income was quite considerable, and I did have a relatively easy time. But the good times didn't last long, and as time went on, I found that the interest was getting less and less to spend.
You may ask, how can the interest not be enough to spend?I summarized the main reasons for this:
1.Inflation: Over time, prices**, the purchasing power of money are constantly decreasing. The bank's interest simply can't keep up with the pace of inflation.
2.Living habits: I am a more casual person, and after I have money, I like to travel, eat big meals, and buy some things I like. These expenses make my interest income stretched.
3.Unexpected expenses: There will always be some unexpected expenses in life, such as a sudden illness in a family member, a car that needs to be repaired, and so on. These expenses have made my life more stressful.
And just like that, I found myself unable to lie flat anymore. I began to re-examine my life, adjust my spending habits, and at the same time began to think about how to make the three million dollars better value-added.
After a period of exploration and practice, I gradually found a financial management method that suits me. I started to learn some basic financial knowledge, trying to buy some financial products, **, etc. Although there have been times when there have been losses, overall, the income is relatively stable.
Looking back now, I deeply realize that it is really not easy to lie flat on three million interest. Life is always full of unknowns, and we need to keep learning and adjusting in order to better grow and preserve our wealth.
Therefore, if you have three million deposits in your hands now and want to lie flat on interest, I suggest you think about it carefully. Although this is possible, you must have a good financial plan and sufficient risk awareness. At the same time, it is also necessary to have a good attitude and living habits, so as to better meet the challenges and opportunities of the future.