Depositing millions of dollars seems to be a distant thing for ordinary people. I believe everyone has fantasized about what kind of life they will live if they really have millions of savings one day, right?
In fact, when you really have a million savings, people's moods and thoughts have changed a lot unconsciously. Often, after the ideal is realized, you realize that what you are pursuing is not the ideal itself, but the process.
Today, "Erxiang Foil Jun" has sorted out the real cases of ordinary people with millions of deposits, and looked at the real life status of ordinary people with deposits in their hands, what it looks like.
As is customary, let's look at the details of a few real personal cases.
Case 1, I really became picky, but my heart was really stable, really calm, and really comfortable
When I really saved 1 million, I will tell you how I really feel. That is, I am reluctant to buy anything! Haha......
The child came back and said, let's go to the newly opened hot pot restaurant and eat hot pot. I said no, Mom will make it for you at home. In the past, when buying clothes, let's take the jacket as an example, I used to recognize the brand, and even if I bought a discount in the mall, it must be a brand. Now it's only about quality, not about branding. In the past, if you had 50,000 in your hand, you dared to buy a Mercedes-Benz of 600,000. If you don't have money in your hand and only have a credit card, you dare to order a car of more than one million. Now that I really have money, I really can't afford to spend it.
But what is the one benefit? That is, if you are very down-to-earth, you feel very safe. It's like the current business is not good, dare to rest, dare to come out to hang out. But I will no longer consume products with too high brand premiums, but will pick practical ones. As a simple example, I used to buy toilet paper for a double 11, double 12, etc., which one did the activity I hoarded toilet paper, and I couldn't wait to put him in a cabinet. Not anymore, now that there is no toilet paper at home, I will buy a mention, and then buy it again when I run out, and I will no longer stock up excessively.
Because I found that a lot of things used to feel like they were quite cheap, 99 yuan a piece, 199 yuan a piece, 20 or 30 yuan a piece......I bought several of those things, and sometimes they don't work, and I don't bother to return them. But now 99 yuan a piece to buy back, if you feel that it is not easy to use, as long as you give me a freight insurance, I will designate you to return. Hahaha......
So, I don't know if I'm poor or rich now, anyway, since I really saved 1 millionI really became picky, but my heart was really stable, really calm, and really comfortable.
Case 2: I used to work hard to move myself, but now I just want to stop and see the world
I am Chinese New Year's Eve this year, I am still single, I have a deposit of 1 million, I only eat interest and do not get married, I choose to lie flat when I return to Pingdu, and I will receive 57 yuan today.
Life is rare for seventy years, ten years for young, ten years for old and weak. 20 years of study, 30 years of mortgage. How much of your time is really reserved for yourself? The thousands of rooms in the mansion only need six feet to sleep at night, and the family has a lot of money and no more than three meals a day. I used to work hard to move myself, but now I just want to stop and look at the world, look at all beings, look at myself, and there will be times when the wind and waves will go straight to the clouds and sail into the sea.
Today I have a party with my classmates, and most of them are married and have children. After a few bottles of wine, someone sighed to me that it would be good if people's thoughts and experiences could be inherited, and I finally lived to be 30 years old before I understood a lot of truths. But after giving birth to another child, he has to start from scratch again. He will eat the losses you have suffered again, he will have to do it again when you have been on it, he will have to do it again when you have a tough mouth, and he will do it again when you have made mistakes. When he understands that you will be old, then he will watch his child do it all over again.
For me, being unmarried and childless was an easy one. 1 million people feel a lot, some people don't think it's much, some people think it's just right, the key is the mentality, see what you really want.
Case 3: Post-95 deposits of millions lie flat in third-tier cities
I am a post-95 generation who resigned from a central enterprise and chose to lie flat in a small third-tier city instead of going to work. What do I do all day?
It's been more than 10 o'clock in the morning, and I've been reading a long story recently, and my daily life is quite comfortable. What is my monthly income when I don't work? First of all, I bought a suite with the money I earned, and now the rent is 2,400 yuan a month. I still have 1 million cash in my hand, and I divide it into two parts: deposit and wealth management for asset allocation.
First of all, let's talk about the deposit, the capital is about 700,000. Because I consider that I may need money at any time, I divided the deposit of 700,000 yuan into four types, including a one-year term of six months, and a three-month fixed deposit of 200,000 yuan each, with an annual interest rate of 21，1.69 and 143。The annual interest rate of 100,000 yuan for a seven-day call deposit is 1%. In general, the annualized income of my deposit of 700,000 yuan is 11,440 yuan, and the monthly income is about 953$3.
Secondly, the other part is my financial management, with more than 300,000 funds. In general, the annual income of 300,000 yuan is about 8,265 yuan, and the monthly average is 688$5.
In other words, the interest I get on my deposit of 1 million yuan per month is 1,641 yuan. Coupled with the monthly rent of 2,400 yuan, the total is 4,000 yuan per month.
I am a graduate of graduate school, and my salary was around 9000 per month before I quit my job. Many people ask me, why do you want to lie flat after graduating from graduate school? Don't you want to create more value in life? With my understanding of myself, with my low dual quotient (IQ + EQ), I almost tried my best to finish this graduate school, and I was not idle in terms of appearance, from 130 pounds to 100 pounds, and I also started a business and saved the first pot of gold in my life and bought a house. I can say that I did my best to live the way I thought I would be happy.
But at the age of 27, I realized that the ultimate destination of human beings should be the synthesis of abilities and desires, that is, the truest me. I'm not reading material, I don't like to go to work, and I'll never be a super beauty. So, I don't want to go to mediocrity in the pursuit of excellence and end up living unhappy days. One day when I was sitting in the cubicle to work, I suddenly thought that I would sit here for the rest of my life, and then get married and have children, and I felt that this life was a mistake.
Before the age of 27, in order to become the best in the eyes of others, I may have been praised by my parents, or appreciated by my leaders, in short, I didn't think about what kind of life I was living for a day. At that time, I often brushed ** and saw a lot of rich people lying flat without working. Although I am not a rich person, I don't have high consumption in third-tier cities, and I can live with interest every month. If you do a small part-time job or something, why can't you retire early?
Case 4, it's too cool not to find a partner and not go to work in your 30s
I am 32 years old this year and have a deposit of 1 million, and I don't look for a partner, I don't go to work, and I live on interest.
As soon as I opened my eyes in the morning, it was past eleven o'clock, and the interest received 90 yuan after sleeping. Now only the bed is my true love, the alarm clock has not been able to separate us, the eyes are closed and opened are the eighth day of the Lunar New Year, the ribs at home have not been eaten, why is the holiday over, and then insist on insisting on more than 300 days and come back.
This year, the matchmaker dream of relatives has not come true, and this day of clear soup and little water has been rumored to be popular. The second year of junior high school is a civil servant, the third junior high school is a big boss, the fourth junior high school is a contractor, the fifth junior high is a nouveau riche, the sixth junior high is a wage earner, the seventh junior high is a white-collar worker, the eighth junior high is a small boss, and the fifteenth is a social scrap. I'm awesome, nothing.
The wine was not drunk, the words were not finished, all kinds of reluctance, tears in the heart, the charger was pulled, goodbye is another year. If it weren't forced by life, who would choose to leave their homeland? Come on, everyone, I hope this year's efforts are worthy of this journey. I did you at will, and I hope you will go through a thousand sails and return to a wealth of money.
Recently, the weather has been cold, forcing me not to go out for three days, eating in the nest, farting popcorn in the nest, not spending a penny this Monday, 90 yuan of after-sleep interest per day, I can't spend it at all, I can't spend it at all. It's finally warmer today, and I'm afraid my toes will grow together if I don't move anymore. Buy some fruit to supplement vitamins, do you think this is the limit of my consumption? It's impossible, a whole bottle of Coke, don't look at ** at all, it's so chic. It's not hard to see from the way I spend my money that money is a number to me.
No one asks about the poor in the downtown area, and the rich have distant relatives in the mountains. Now I just want to enjoy the moment when I lie flat, and when my dog sends me a message at work, I can talk to him. I don't care who messages me during breaks. You can disturb my work, but you can't disturb my life.
Case 5, a 30-year-old ordinary girl, 2 jobs and 3 incomes, and a deposit of one million in four years after graduation
I have 2 jobs, 3 incomes, and a million in savings for four years after graduation. Today I will talk to you about my real experience from a monthly salary of 10,000 to a deposit of 1 million.
In fact, it can be summed up in four words - open source and reduce expenditure.
First, how to open source? First of all, if you want to save more money, the most important thing is to make more money. The so-called open source is a cash cow, and throttling is a cornucopia. There are three main incomes, my main business is Internet product manager, my side business is self-blogger, and finally investment and financial management.
First of all, in the main business, I started to do operations, and the monthly salary at that time was about 10,000 yuan. After working for half a year, I learned that in non-technical positions, the salary of a product can be comparable to that of a programmer, so I insisted on transferring to a product. After I changed jobs, my salary was doubled, and at that time, the company was in a period of rapid development, and my salary quadrupled in 3 years. But I realized that choice is more important than effort. When the salary increase slowed down in the company and I couldn't see a big breakthrough, I started to prepare for interviews and seek a job change. Three years after graduation, I got offers from many companies with an annual salary of 800,000 yuan for the first time when I changed jobs.
Secondly, on the side hustle, I have been using my off-duty time since last year to do self-employment, with a monthly income of five figures. Although it is not as good as the main business, in the case of a bad environment, it can increase its ability to resist risks, and the income ceiling of self-improvement is also very high, and this road is worth going on for a long time.
Thirdly, in terms of investment and financial management, I have been learning investment and financial management since I just graduated. At that time, I didn't have much spare money in my hands, mainly focusing on the cultivation of financial management ability, and I chose the index**, which is simple to understand, easy to use, and low handling fee. I think it doesn't matter how much investment and financial management there is, the important thing is to insist, now the market is generally not expensive, and you can usually make money by insisting on regular investment, which is more suitable for workers like us.
Second, how to throttle? For ordinary people like us, we must develop the habit of keeping accounts and write down the platform and amount of all our money, such as 10,000 yuan in Bank A and 20,000 yuan ......in Bank BGet an accurate grasp of all your deposits. Review your expenses regularly to see what you should and shouldn't spend. Throttling is not the same as throttling in everything. The more money you have, the more you should invest your limited money in yourself.
In the end, I think the most important thing for me to save up to 7 figures is to do it when I think of it. Don't wait until you're ready to act, I got interprofessional employment or tried to be a self-blogger, all started when I wasn't ready, people have grown up in breakthroughs again and again, but opportunities may be fleeting.
Case 6: We don't want to work for a lifetime for a house
My husband and I have drifted north for 8 years, saved millions, and went back to our hometown to enjoy life as soon as we had a holiday. The two of us have a combined monthly salary of about 35,000 yuan, and a fixed monthly deposit of 20,000 yuan. We are high school classmates from a small county town on the 18th line in Hebei.
I am a bank account manager with a master's degree, my husband graduated from a bachelor's degree and worked in a large Internet factory, I have been in love for 10 years, married for 2 years, and drifted north for 8 years, and my current family deposit is 1 million, and I am not ready to take out a loan to buy a house in Beijing, because I don't want to work for a house for the rest of my life. We are currently renting a small three-bedroom apartment in Beijing, with a monthly rent of 4,500 yuan, and we will go back to our hometown to live during the holidays. Prices in my hometown are very low, and I basically don't spend any money. When the neighbors saw that our family had returned from Beijing, they gave us a lot of vegetables grown in our own fields, such as eggplants, cucumbers and tomatoes, which were both money-saving and healthy.
After staying in a big city like Beijing for a long time, every time I go back to my hometown to see the village of my hometown, listen to the insects and birds, and say a few words in my hometown, I feel very relaxed. Although the living here is not as convenient as in Beijing, it gives people a sense of relaxation from the inside out.
Case 7, at the age of 35, I saved 1 million again, and my mood was completely different
What does it feel like to have a deposit of 1 million in hand? When I was 25 years old, I got the first 1 million deposits in my life, and later lost all 1 million by my own strength. After going around and going through a lot of things, when I was 35 years old, I saved another 1 million.
When I saved my first 1 million at the age of 25, I felt completely different from when I was 35 years old. When I was 25 years old, I was very impressed by a sentence that I said to my mother at that time: Mom, I have so much money, have I spent it? At that time, when I bought clothes, I bought them in the best malls in town. It is no exaggeration to say that one of my skirts costs more than 6,000, and then I will buy some bags and buy some cosmetics in Hong Kong, and the car is a BMW 3 Series. At that time, I really felt that I was a proper white Fumei.
Now the feeling of being 35 years old is completely different, very reluctant to spend a penny, I have been buying this dress for three or four years, and then the bag I carried was bought from the community supermarket for 35 yuan, which is convenient for daily shopping and grocery shopping. The car I drive now is still the same BMW, but I can't even use a tank of gas a month. Because in order to save fuel and parking fees, I basically ride a small electric donkey when I go out.
I feel that I have really become swishing now, and my consumption is becoming more and more rational. My phone and my child's ** watch were bought second-hand**. In the past, beauty salons and personal trainers told me to recharge my card, but now I reply to them directly that I have no money. When I was 25 years old, I was embarrassed to say no. Actually, I feel like I'm in a pretty good state of life right now.
The above is the real situation of ordinary people who have deposited millions of dollars, how do you feel? Feel free to leave a message in the comment area.