On the question of whether there are more or fewer households with millions of deposits, many people have expressed their opinions. Some people think that there are a lot of families with millions of deposits because they are surrounded by rich people;And some believe that a million savings is very difficult for the average family to achieve. Is there more or less million savings households?A netizen put forward a very instructive point, he believes that a family with a million savings should have a total income of at least five million. In the analysis of the netizen's point of view, we can draw the following information: families with millions of deposits are very rare;A household with a million savings will not spend less than $100,000 or more per year;The annual household income of a million-dollar family will not be less than 260,000, and it is more likely to be about 400,000.
This analysis is convincing to me, but I also think that the netizen's opinion is too conservative in two ways. First, households with millions of savings usually have higher annual incomes, and relatively higher incomes can achieve higher savings levelsSecond, high-income households are also spending a correspondingly higher amount. It takes many years to save a million-dollar deposit. Although many people think that a million deposit is an unrealistic dream, in reality, it is not impossible to save millions as long as you can control your expenses and manage to be frugal. Of course, if the household income is too low, it will take a long time to save millions.
According to the netizen's analysis, the number of families with millions of savings is very limited. On the one hand, the reason for this is that households with millions of savings usually have higher annual incomes, while there are not many higher-income householdsOn the other hand, high-income families also have a lot of expenses, and it takes many years to save millions of savings. Indeed, a million deposit is not an overnight thing, but requires a long period of accumulation and cautionFinancial planning
However, I think the netizen is too conservative in his analysis. In fact, the number of households with millions in savings may be smaller than we think. First, although the number of high-income households is limited, for some high-income groups, their annual incomes are well over 400,000. For example, some high-paying professions such as senior executives, doctors, lawyers, etc., theirAnnual salaryIt can often reach millions or even higher. In this case, the possibility of having a million deposits also increases significantly. Secondly, although the expenses of high-income families are very large, as long as they can effectively control their expenses and make reasonable arrangementslifeIt is not impossible to deposit millions. Choice of living conditionsConsume responsibly, thriftylifecan help families better control their spending, so that they have the opportunity to save millions of savings.
The netizen mentioned a point that high-income families also have a lot of expenses. This is a well-known fact because high income means higherlifelevel and higher consumer demand. From housing, vehicles, and household expenses to travel, education, etc., the expenses of high-income families are indeed quite large. Therefore, even if a family earns 400,000 a year, the annual expenditure will not be less than 250,000, which is a relatively conservative estimate.
However, I believe that the expenses of high-income families also depend on the individual's consumption perceptions and values. Different families forlifeThe level and the degree of pursuit of consumer demand are different, so the difference in spending will also be large. If a family is focusedFinancial planning, control desires, consciously avoid unnecessary waste, then even high-income families, expenses can be controlled to a certain extent. Of course, this is not to say that high-income families cannot afford to spend extravagantly, but to strike a reasonable balance between luxury and frugality.
In general, it is rare for families to save millions. Although there are fewer households with higher annual incomes, the expenses of higher-income households are also huge. Therefore, saving a million deposits takes many years of hard work and careful management. However, I believe that as long as I canConsume responsibly, rational planninglifeIt is not impossible to deposit millions. Each family's situation is different, and it needs to be done according to their actual situationFinancial planning。The most important thing is that whether we are pursuing wealth or happiness, we should maintain a normal heart, treat wealth rationally, and not blindly compare, in order to truly realize the accumulation of wealth and the experience of happiness.