How much deposit is there to lie flat?
Recently, the topic of "young people's deposits" has attracted widespread attention from netizens. In this question, we know how much savings young people should have at different stages of life in order to achieve the so-called "lying flat". However, this question is not that simple, as it involves many factors, such as personal consumption level, family background, career development, and many more. Therefore, we cannot simply give an exact number. However, we can start with some basic ideas and ask for a little bit about this question.
First of all, let's be clear that "lying flat" does not mean not working, but it means no longer being forced to work in order to make a living, that is, when your savings are enough to support your life, you can choose not to work and enjoy life. However, how much is the right amount for this deposit?
According to the China Household Finance Survey report, the average total assets of urban households in China are 31790,000 yuan. However, this figure is average, and for young people, they have relatively little accumulation of assets due to short working hours, low income levels, etc. Therefore, we need to calculate the required deposit amount according to our actual situation.
Suppose a young person starts working at the age of 25 and earns 10,000 yuan per month, with an annual growth rate of 5%. If his living expenses are 5,000 yuan per month, then his living expenses are 60,000 yuan per year. If this young man wants to achieve "lying flat", then he needs at least 60,000 yuan as an initial deposit. However, taking into account factors such as future prices** and inflation, the young man also needs to leave some leeway in his savings.
Of course, this calculation method is just a simple example, and the actual situation may vary. For example, some young people may have a higher income or lower level of spending, and some young people may also need to consider other expenses such as buying a house or getting married. Therefore, we need to calculate the required deposit amount according to our actual situation.
In addition to calculating the amount of deposit required, we also need to consider how to achieve this goal. First of all, we need to develop good consumption Xi and avoid excessive consumption and waste. Secondly, we need to increase our income level, which can be achieved by learning Xi skills, improving academic qualifications, and expanding our network. Finally, we can increase our asset accumulation through investment and financial management.
In short, "How much deposit can lie flat?".There is no one definitive answer to this question. But we can think about this question from multiple angles to arrive at a relatively reasonable answer. At the same time, we should also realize that "lying flat" is not the ultimate goal of life, and we should constantly improve our quality of life and happiness while pursuing our own life value.