???DepositsInterestAvailable as an implementationFinancial freedomOne way, but you need to take into account the depositInterest rateswithInflationCircumstance. The current situation is that if $3 million is depositedBanks, with 205%.Interest ratescalculated, you can get 6 in a year150,000 yuanInterest income, which is equivalent to about 5,125 yuan per month. If you choose to deposit a 3-year fixed depositInterest ratesFor 26% for one yearInterest incomeUp to 780,000 yuan, equivalent to about 6,500 yuan per monthInterest income。From this point of view, a deposit of 3 million yuan is enough to meet basic living needs, and you don't have to go to work and rely on foodInterestLife.
?But bewareDeposit interest ratesIt may be revised down in the futureInflationIt is also possible that it will continue to rise, which will affectInterest income。IfInterest ratesConstant downward adjustments, depositsInterestis no longer enough to support the cost of living, then aloneInterest incomeThe days of life are going to be hard. Therefore, although the amount of $3 million deposit is considerable, it depends onDeposit interest ratesand inflation to determine whether it can be achievedFinancial freedomlifestyle.
?ExceptDeposit interest ratesand inflation, the health of family members also needs to be taken into account. Suppose there is a deposit of 3 million yuan, and monthlyInterest incomeEnough to cover basic living expenses, but in the event of a major illness, you will need to use your savings to do so**. As a result, the savings on hand will gradually decrease and will not be able to be relied onInterestto sustain life. Therefore, if you want to live without going to work with only 3 million yuan in savings, you must ensure that your family is in good health and is not plagued by major diseases.
?Take $3,000,000 as a deposit per monthInterest incomeBetween $5,000 and $6,000, this is enough to meet the needs of normal life. But if you want to live a high quality of life, such as spending or shopping at high-end restaurants frequentlyLuxury, aloneInterest incomeIt's not enough. Therefore, the deposit of 3 million yuan bringsInterest incomeOnly the most basic can be achievedFinancial freedom, suitable for families who are not very demanding in life.
?For ordinary people, saving enough to save 3 million yuan is a difficult task, not to mention that there are other expenses and burdens in real life. The average family has a limited income and also faces pressure from housing loans and car loans. If a family can only save 5,000 yuan a month, it can only save 60,000 yuan in a year. It takes at least 50 years to save enough 3 million yuan, and it is undoubtedly extremely difficult to have a stable income and live without being affected by changes. In real life, it is already a difficult goal for ordinary salaried people to save enough 1 million yuan, and there are very few families in China with a deposit of 3 million yuan.
?Under normal circumstances, onlyInterest incomeImplementationFinancial freedomIt is achievable, especially for families. However, there are several factors that need to be considered to achieve this lifestyle, including:Deposit interest rates, inflation, health status of family members, and requirements for quality of life, etc. At the same time, saving enough 3 million yuan in real life is also a very challenging task, which requires long-term persistence and planning. Therefore, it can only be truly achieved if various conditions are metFinancial freedomand enjoy life without having to go to work.