Ask everyone, what do you think is the level of households with 2 million to 4 million savings in China?
Many people's instinctive reaction must be, this money is small, who doesn't have a business friend around him, the tens of millions of assets are drizzle, and open social platforms and short ** software, all kinds of rich people with a monthly income of 100,000.
However, today I want to tell you a reality, that is, if a person or a family has 2 million to 4 million savings, then this belongs to the level of the head of the pyramid in China, that is, the number of those who have this strength is extremely rare. 99.99% of ordinary people can't praise 2 million or even 4 million in a lifetime.
Let's talk about saving money first, if a person's annual salary is 500,000 before tax, then he can get 400,000 after tax, if he doesn't spend all the 500,000, he can save half of it in a year, pay attention, the savings rate can reach 50%, this is already very high, then it will take eight years for him to save enough 2 million, and it will take 15 years to save enough 4 million, so is it not so easy?The key is that there is also a reality that people with an annual salary of 500,000 are also very rare, and we will talk about this in a moment.
Now, let's add another code, assuming that your annual salary is one million before tax, then there is about 750,000 after tax, and the annual savings rate is still calculated at 50%, saving 370,000 a year can probably save 2 million in less than six years, and 4 million in ten years, the question is who you have heard of who can get a million annual salary for ten consecutive years?
Even if it is an annual salary of one million for ten consecutive years, the premise is that there is no too expensive house, and most of the so-called rich people now refer to net assets, and net assets are mainly concentrated in the house, and most of the assets are appreciated in the house. However, if you remove the money for the house, the money you have left, this is your disposable asset. Housing prices are so expensive, a suite can beat you back to the original shape, you can just look at the median of house transactions in Shanghai, the median unit price is 6w, the median area is less than 70, and the median total price is 400w. The vast majority of people in Shanghai buy houses have a down payment of less than 1.5 million.
To put it bluntly, if you buy a house and take out a loan, if your wife doesn't go to work or your children go to private schools, then you basically can't keep any money in your hands.
Therefore, it is more difficult to reach 4 million deposits purely by salary income. And even if you can earn cash flow, the process of becoming rich from the poor is full of various consumption traps, in addition to the houses just mentioned, there are also luxury cars and watches and other luxury lives, all of which need at least 5 million to 7 million, and 12 million for the first line. Therefore, these consumption traps can make the middle class return from rich to poor at any time, and these are consumed, and then 4 million cash can be saved, which can be said to have a certain strength!
But it's just that he has a certain strength, and he is not considered rich, so why is he not considered rich?
The reason is very simple, according to the standards of most banks in China, if the deposit in a bank reaches 6 million for more than one year, it is a private bank customer.
Everyone must understand a truth, banks belong to the central bank, the central bank and the banking system are one, they are the most knowledgeable about the wealth of Chinese residents, they have almost all the wealth data of residents, and all their policies, standards, and risk control are all calculated.
Therefore, the idle capital of 600w is a rich person. Friends with 400w in their hands, they still need to work hard!
Well, what I'm talking about above is people who can get a good salary.
And the vast majority of ordinary people, who are only a few thousand yuan a month, and those who can earn a stable monthly salary of tens of thousands are already a minority of high-income.
In 2021, the median average salary in Shanghai is 6378, the median average salary in Beijing is 6906, the median average salary in Shenzhen is 5199, the median average salary in Guangzhou is 4811, the median average salary in Hangzhou is 5389, and the median average salary in Zhengzhou is 3864.
Millions of cash deposited in the bank to eat interest, according to ICBC large time deposits 29 to count. The annual interest of 2 million cash is 58,000, with an average of 4,833 a month, and most of the working people are at this level, and many of them are not enough. The annual interest of 3 million cash is 87,000, with an average of 7,250 a month, which is actually more than the vast majority of migrant workers, that is to say, 99% of the people in the society get up early every month and work hard to earn money, which is not as much as the monthly interest of millions of deposited banks.
To give a real case, a friend of mine in Beijing, they have a family of four, all kinds of deposits + financial management + ** and so on in the range of 200-4 million, but he is already middle-aged, more than 400,000, he always jokes that he has run five, he said that he is not optimistic about the future income, worried about losing his job at any time, and does not want to work in other places, but he feels that there is almost no choice in the local area;His wife has a stable job, her income can cover the current family expenses, and she may still be able to save some money from her financial rent, but the economy has not been good in the past few years, and they have reached a high point of crisis in their family, they have saved some money, 2 million to 4 million, but they can maintain their daily life, and now although they are not unemployed, their consumption has been compressed to the minimum, because he said that they are no longer young people!
To sum up, it is too difficult for ordinary people to save up to 200-4 million, unless you have received a high salary for ten consecutive years, and you have already inherited the family business. Many people take out a loan to buy a house, thinking that the house is their own, worth millions, and then they feel that one million or two million are small money, and it is not as expensive as my house.
This kind of person is considered poor, has never seen real money, forgot that his house is yours after paying off the loan, and you are almost retirement age after paying off the loan, and you can't be unemployed for a long time, otherwise the house is all from the bank, not yours. Do you agree?