Nowadays, many people's work and life are fast-paced, and it can be described as exhausting. Many people are in a situation where they can't roll and can't roll, and they can't lie down evenly, which makes people physically and mentally exhausted. However, there are also some people who can happily spend money every day without going to work, such as some people who have retired and receive a high pension;For example, some landlords have enough rent to cover their living expenses, or even more than enough;In addition, there are some people who have a lot of savings, and it is difficult to spend the bank interest alone.Some people want to know, if a person deposits 3 million yuan in the bank and only relies on interest, can he not have to go to work?What do you think about this?
There is a high probability that it is possible, there are precedents
3 million yuan is not a small amount, and some people may work hard all their lives and not make so much money together. For many people, with reasonable planning, interest alone can make a person live a good life.
For example, at present, the interest rate of fixed deposits in many banks has fallen below 3%, but there are many close to 3%. 3000000*3%=90000 yuan, 90000 12=7500 yuan. In other words, the interest can be close to 90,000 yuan per year, and the average can be close to 7,500 yuan per month. It can be said that in most places in the country, as long as there is no extravagance and waste, 7,500 yuan per month is enough for a person to live well. For some people, they can even rely on 7,500 yuan to support their families, because their original salary level may not even be 5,000 yuan
And there is a precedent for people who achieve financial freedom with 3 million yuan. Just like there was a hot search before, a post-80s couple in Shanghai decided to retire after saving enough 3 million yuan. You know, this is in Shanghai, where consumption is very high, and after the couple has saved enough 3 million yuan, they can decide to retire early. Not to mention where the rest of the overhead is lower.
Probably not in exceptional circumstances
However, although it is said that 3 million yuan is deposited in the bank, there is a high probability that you can live on interest and do not have to go to work, but sometimes there may be exceptions or special circumstances. In other words, these principals cannot be kept for some special reasons and pass quickly. For example, some people may become frequent visitors to the hospital after suffering from a difficult disease, going on and off the operating table several times, and many people understand the medical charges today. If the 3 million yuan is sharply reduced due to illness or disaster, the interest will be less and less.
In addition, if the 3 million yuan is withdrawn in advance after the fixed deposit, it may also lose a lot of interest. For example, the current demand deposit interest rate of ICBC is 02%，3000000*0.2% = 6,000 yuan, the annual interest is only 6,000 yuan, I believe that with today's prices, many people are unable to live on this 6,000 yuan, after all, the average is only 500 yuan per month within 12 months.
For most people, it's hard
And for most people, it is very difficult to achieve this goal, because 3 million yuan is not a small amount. Some people's savings are not even 3 million at present, and they just buy a house of one or two million, which also empties 6 wallets and needs to bear a mortgage for decades. Not to mention saving 3 million yuan of money that can be used to eat interest.
However, this does not mean that the goal of achieving financial freedom through interest is out of reach. Even if a person's savings are not too much, they can be better increased by taking care of them. For example, a small number of funds are managed with the help of some bank change wealth management, savings and treasury bondsWith the help of some foreign trade economic consignment sales under the strong support of stable foreign trade policies, 100,000 yuan per month will get a profit of 1,000 yuan;Or add value with the help of ** regular investment and other methods.
In short, depositing 3 million yuan in the bank, for some people, it is possible to only rely on interest and not go to work. But for some, not. For most people, "saving 3 million yuan in the bank" is the difficulty.