Almost everyone considers the value of their life at a certain time, this question is very complicated most of the time, it is difficult to get a satisfactory answer, I don't have a very good answer, today I give a very utilitarian answer, under the premise of a number of assumptions, how to get the most enjoyment of the whole life.
These are my assumptions:
Hypothesis: A person is expected to live to be 80 years old, and the unit is calculated in one year, and when the person is alive, spending money is enjoyment; After the money is spent, there is also a memory attribute, and you can recall and enjoy 2% of all the money spent every year after spending it, until you die; , 30 years old to give birth to a child, the child's living expenses at 30,000 years, 5% per year, raised until the age of 22; 50% of the child's expenses are paid as a person's enjoyment, and 20% of the remaining money at the time of death can be passed on to the children as a lump sum. , the initial salary is 120,000, starting to receive wages at the age of 23, the salary increases at a rate of 5% per year, and the retirement at the age of 60 is the basic living expenses; The remaining money can be invested in financial management every year, and the income from investment and financial management is calculated at 6%; The basic living expenses are 30,000 years, which are not included in the enjoyment and are increased by 5% per year.
According to these conditions, we first calculate how much money the Moonlight Clan can spend in his lifetime, because this calculation is in years, so here our definition of the Moonlight Clan is to spend all the remaining money from the previous year every year.
Directly speaking, the total amount of money that the Moonlight Clan can enjoy in their lifetime is 15.52 million, and the highest asset in life is 580,000 when they are 60 years old.
The main problem of the Moonlight Clan is that they must have a secure job, otherwise their life after retirement will be unsustainable, and at the same time, they will have no inheritance to give their children, and they may have to rely entirely on their children if they have a slight illness in their later years.
The second calculation is an iron rooster, and here our definition of an iron rooster is to save all the money except for the basic living expenses each year.
Directly speaking, the total amount of money that Iron Rooster can enjoy in his life is 14.36 million, and the highest asset in his life is 68.89 million at the age of 80, and Iron Rooster's life is a life of creating wealth for his children.
The third calculation is the conservative average person, which I define as 5% of the last year's total assets spent on enjoying the average person each year.
Directly speaking, the total amount of money that conservative ordinary people can enjoy in their lives is 25.19 million, and the highest asset in life is 11.82 million at the age of 80, although it is a little less than the iron rooster, but because the cost is less than the investment income, the wealth of life always increases.
The fourth calculation is the aggressive average person, which I define as 7% of the total assets spent last year on enjoyment and spending each year.
Directly speaking of the result, the total amount of money that radical ordinary people can enjoy in their life is 24.4 million, and the highest asset in life is 7.58 million at the age of 60, and there is 6.2 million left when he dies, although 7% and 5% are not much different, but because 7% exceeds your investment income, when you have no salary income, your wealth will continue to decline.
If you pursue your maximum enjoyment, you should save a little bit in the early part of your life, so that you can accumulate a little capital, try to spend money in the last few years, and don't leave money to your children, I define such a person as spending 2% of last year's total assets every year before the age of 60, and 50% of last year's total assets every year after the age of 60.
Directly speaking, the total amount of money that shrewd ordinary people can enjoy in their lives is 29.46 million, and the highest asset in life is 15.11 million when they are 60 years old, and they basically leave no inheritance at the age of 80.
When a person is single, then he has no children, and it is easy to go to the road of a shrewd ordinary person, how much money can he enjoy for such a person?
Directly speaking, the total amount of money that single and shrewd ordinary people can enjoy in their lives is 33.55 million, and the highest asset in life is 17.48 million when they are 60 years old, and they basically leave no inheritance at the age of 80, and it is still quite expensive to raise children.
This calculation is very rough, and I don't consider the big thing of buying a house, because buying a house, in fact, everyone is almost close to the moonlight family now, and inflation is not considered.