What kind of life do people with a monthly income of 70 thousand but no Beijing hukou live?

In March this year, the Measures for the Administration of Introducing Talents in Beijing was promulgated. Some policy interpreters said that for high-tech enterprises, employees with taxable income of 740,000 (six districts in the city) and 560,000 (other districts) for three consecutive years can apply for talent introduction and obtain a Beijing hukou. The saying that "you can settle down with a monthly income of 70,000" has therefore become a hot spot for a time.

A month later, the "Detailed Rules for the Operation and Management of Points Settlement in Beijing" was released, and high-income people also had obvious advantages in points settlement.

So, we interviewed four new middle-class people with a monthly income of 70 thousand but no Beijing hukou. They have worked hard in Beijing for many years and have different lifestyles. When the generous salary frees them from material anxiety, is the hukou still a factor that must be considered when staying in this city?

For young people, in the first three years after graduating from college, the desire for material things will be even stronger, because there is nothing yet. I remember when I was on the bus, looking at the windows of tall buildings along the way, I often thought, when can I buy a house in Beijing with a monthly income of 3 thousand yuan?

My boyfriend at that time, my husband now and I both graduated from two universities majoring in computer science. When we were in love, we wanted to get married, so we made up our minds to save money to buy a house in Beijing. We are both thrifty, and the biggest expense before marriage is just buying books.

I once thought it was hopeless to save money to buy a house, but I didn't expect that because of my outstanding ability, I later became the fastest and highest salary increase in the company. After three years, the salary is more than 6000. In the fifth year, income grew faster and faster; Since the seventh year of work, my monthly salary has reached an average of 70,000 yuan, which consists of basic salary, bonus and options. Bonuses account for a large proportion, because I am an A+ employee every year.

Mr. Xian and I bought a house in Changping, Beijing, with an area of more than 80 square meters when it was 6.5438+0 million yuan. We need to pay back a loan of 4,600 yuan every month, which is very easy for us. After marriage, my parents came to Beijing because they had children, and the family felt very happy.

Now my husband and I each have an annual income of 8.9 million, and we don't think we will stop there. Because as long as you have the ability, Beijing may be the easiest place to realize your dreams.

My husband and I can save at least half of our income every year, which can be used to buy stocks and funds and inject original funds for friends to start businesses. At present, the expenses are mainly on parents and children. Parents will have regular physical examinations every year, and the cost of health care products will be more; If you are a child, because you choose a relatively high-end brand early education, plus extracurricular interest classes, you will probably spend 1.5 million a year. My wife and I didn't spend as much as before.

Now that the hukou is settled, we have nothing to worry about. My wife and I don't really care, it's just a matter of children going to school. Although it has always been said that Beijing's work residence permit is equivalent to hukou, from my personal practice, at least for now, it is not feasible to choose a kindergarten, and there is basically no way to enroll in a public kindergarten. I can only spend more money to send my children to a private garden. The problem of going to primary school cannot be solved. If there was no hukou at that time, you couldn't choose the best one. But it is not without solutions, and the possibility of sending children to international schools is not ruled out.

As far as my current life stage is concerned, the page of material pursuit has turned over. Next, I may think more about the realization of self-worth, such as what one should contribute to family and society.

I want to go to a better university for a master's degree in the future. In terms of career planning, I still have to go up, because I feel that my input and output are far from saturated.

My job and my house make me feel like I'm no longer wandering?

I grew up in Urumqi and joined an autonomous branch of a state-owned bank as soon as I graduated from college. Working in the banking system, I have no worries about food and clothing in the local area, and my parents are around. If I hadn't started "drifting north", it is estimated that I would have had a good life.

It is not an easy decision for me to leave Urumqi for Beijing. I was 30 years old that year, and my income and grade were good, but in the business adjustment of the bank, the piece I was responsible for was marginalized. The leader at that time told me that in a few years, you won't be too busy, and you can still get such a high salary until you retire. But I can't accept it: eating and drinking together, getting such a high salary, and worrying about being replaced at any time, I am not practical. So I chose to leave and start over in Beijing.

I gave up everything and came to a commercial bank in Beijing, starting from the grassroots. It was a really hard time. I'm not a fresh graduate, and I don't have any connections. Pulling deposits has been unable to complete performance, and bonuses are often deducted, let alone implementing accounts. I don't have my own house, but I live in the house of my sister and brother-in-law. Although they are very kind to me, I always have a sense of wandering.

So I started to look at the house very early, but because my parents also had a house in Beijing in their early years, I didn't take it until the house price rose at the beginning of 20 12. Just in the east of Baiziwan Bridge, the average price of a second-hand house of 120 square meters is about 30,000 yuan even if tax is included. At that time, I chose equal principal repayment, and the less repayment, the better. Now the monthly payment is about 1.3 million, but because my pre-tax income has reached more than 70 thousand and I am not married, the burden is not heavy.

With your own house, although you don't have a hukou, you can still feel at home. I made all the designs at home, and others thought it was good. The agent who sells my house always brings guests to visit my house. He said, sister, when others see your house, they will definitely want to buy a similar one.

He doesn't know, in order to build an ideal home, I don't know how many times I turned to the furniture city, and it took half a year before and after. Wait until165438+1October, because the installation is not finished, the heating can't be turned on, and the room is very cold, but we must insist. Since I have a house, I am particularly willing to go home, just sitting on the sofa, doing nothing and staying comfortably alone.

Some people say that buying a house costs so much money, it is better to rent one and use the rest for investment. I said I would never rent it. I want to make this space my favorite and make me feel comfortable. The house you rent will never belong to me, and you can't help it when the landlord wants to kick you out. That's a sense of security. Now that I think about it, when I finally settled down here, the uneasy sense of wandering seemed to disappear.

Now that I think about it, coming to Beijing is a baptism for me. Many people my age actually don't want to jump ship casually, but today, I think I made the right choice. The internet is impacting the whole traditional finance, and the limitations of my accounting and clearing work in the bank are getting bigger and bigger.

I also often read books now, constantly updating my knowledge reserves, accepting more new information and trends, and making myself feel safe. In 20 16, I jumped out of the commercial bank and started a business with my boss at that time. Now I have my own department.

Now, I have my own house, my favorite job, my parents around and a boyfriend, which is relatively stable. It is unlikely to have children at this age, so there will not be too much pressure in the future, and there is not such a strong demand for hukou.

The only inconvenience of not having a hukou is that I can't own my own car. Many of the companies I've changed jobs to work in Beijing, but I'm not qualified to buy a car because I pay taxes in other places. Now I drive the car of Friend, but it doesn't affect my life. There are many ways to solve the tax problem, which is not so urgent for me.

A sense of security means that you can eat it everywhere.

Because I am doing asset management for high-net-worth people in an insurance company, my income is very high. At present, my monthly income is about 70 thousand.

My goal for myself is to retire at the age of 45, basically achieve financial freedom, and hold three or four companies at the same time. Not long ago, my fourth yoga studio also opened.

I didn't buy a house. When I first started working, I wanted to buy it with a monthly salary of 6.5438+0 million, but later I found that my salary didn't rise as fast as the house price, and now I can't afford it with a monthly salary of 70 thousand. Ha ha ha, just kidding. In fact, although our insurance company earns a lot, it has no basic salary and social security. The purchase restriction policy was suddenly introduced. My social security payment is not qualified to buy a house, so I simply don't buy it.

Many people buy houses to get a sense of security, but I really think that a sense of security means having food everywhere. For example, I went to Lijiang to help my friends take care of the homestay, and I didn't have time to bask in the sun. Instead, it helps local people plan and promote Pu 'er tea culture, and tries to maintain the tourism environment with local businesses. These experiences made me confident that I would never starve to death wherever I went.

Once, a friend told me seriously that you were a failure. You have been in Beijing 10 years, and you have no house, no hukou, no husband and no children. At that moment, my heart was shaking, and this sentence stung my heart. But in the end, I came back. I said that I earned everything by my own efforts, and I felt very safe.

People actually have many ways to get a sense of security. When I was a child, I didn't study well, so I went astray and learned from Lei Feng every year. Later, I entered the university, and I became a director because I couldn't sing and dance, so I got my first job in Beijing. Now, I don't have a house, but I can feel at home everywhere.

A large part of my income is spent on traveling and playing. I played with teapots and old embroidery a few years ago, and I want to go diving and rock climbing this year. Besides work and study, I like to go to all the places where I can enjoy the natural scenery in the rest of my time.

I remember once taking the national highway 3 18 in Tibet, which was the most dangerous road on the Sichuan-Tibet line. When I drive, there will be half a wheel on the edge of the cliff. The car in front was buried because of the mudslide, so I sat in the car and wrote a suicide note to my mother by SMS.

Later, in Yongcuo, Yang Zhuo, there was something wrong with my eyes, flickering. After a person went down the mountain, he found a tour guide and cried with a wow. But magically, I got better later and went to the hospital to check my intraocular pressure. That experience made me feel that people must cherish what you have now and don't complain about how much money you earn. Finally, you will find that it is good to have health.

This life of fooling around has also made me know all kinds of special people, and I have gained a lot in my horizons and interpersonal relationships. 9 1 I met a girl from Tibet. After graduating from Economics and Management, Tsinghua gave up everything in Beijing and went to a star-rated hotel opposite Potala Palace. All men are afraid to drive, so she can drive alone. We especially appreciate each other. I took her in when she came to Beijing. My spare time will be filled by these friends. Although I am single, I never feel lonely. I just don't think I have enough time.

As for the account we discussed, it really has nothing to do with me. I have no children. My mother kept asking me if I wanted oocyte cryopreservation. I want to let nature take its course. Don't do anything because of other people's eyes unless I really want to do it. No matter how bleak life is, I can solve it, what's more, I am comfortable now.

I don't think I'll ever go back to Wall Street?

20 16 entered an internet unicorn enterprise in China as the investment director, and his salary was lower than that in his previous job. Before that, I worked in Goldman Sachs and Moody's for six years respectively.

Interestingly, I was recently rated as a model worker by my current company-Internet companies are fast-paced and I am also a diligent employee, but even so, I don't think the workload now exceeds that of previous investment banks, and investment banks are really tired.

In an investment bank, it is normal to work 18 to 20 hours a day. It was a business trip for 7 days at most, and I went to 1 1 cities. It is a miracle to get off work before 10 every day. This often causes me insomnia. Under normal circumstances, you are very tired, but you can't sleep and your brain is still working. I don't want to take sleeping pills. I just go to the bar to drink straight whiskey after work every day, and then I can go to bed after drinking it. This situation has been going on for two years.

Everyone's energy is on reports and figures. Even very good friends can only meet once a year. I took annual leave and went to Bali for five days with my girlfriend at that time. I only rested for half a day, and she didn't understand. Later, we broke up. But I don't feel pain either, because one job after another, people are in that state, so-called loneliness, tension and pain, because there is no time to think about anything else.

This is not my choice, but the characteristics of this job. The same is true of people around you. Girls are afraid to get pregnant and get married, boys are afraid to fall in love, and both of them are in investment banks. Maybe once a week?

Nevertheless, there are still many young people who are willing to choose this kind of job. Investment banks are gold-plated stones, and Goldman Sachs and Moody's are top institutions. After a few years, you can be well trained, meet the best and brightest people, have a lot of room for growth and earn a lot.

But the problem is that you don't have time to spend money. At that time, I will retaliate and buy a bunch of clothes that I have never worn in my closet. For example, there are 20. 1 10,000 gowns in the catwalk of a luxury brand. I don't wear them for any occasion. It may become my legacy.

In investment banking, I often ask myself, what are you proud of in your career? I can't remember any of them. There is a creed on Wall Street that money never sleeps, which makes me unable to have a particularly great sense of satisfaction and accomplishment.

I set a timetable for myself. I have worked in an investment bank for at most six years, and I want to go to a place with a sense of belonging and values, so that I can have a sense of accomplishment. I have been counting down. Resign in the penultimate year, in the first year, when I really turned six.

My investment banking experience does not represent everyone, and everyone has different understanding and choices about life. I remember that the boss of an Internet company asked me when recruiting me, what is your future career plan? I said, it is enough for me to be a senior professional manager. I don't want to start a business, and I don't have that strong ambition. Investment banking was very tired in those years, but in those years, I was able to live and work better in the future. After that time, I left immediately, without nostalgia.

What I want to achieve more is a state of balance. I don't need a yacht to eat every day, but I can guarantee a high quality of life. Now is what I want. I like Beijing very much. When I left America, I thought, I will never work on Wall Street again in my life! When I first returned to Beijing, I might feel congested and foggy, and the environment was not particularly good, but this is the environment I am particularly familiar with, ranging from a dirty stall on the street to where to eat Michelin restaurant. You have friends in the South Third Ring Road, the West Fourth Ring Road and the East Fifth Ring Road and feel safe.

I don't have a Beijing hukou, and I haven't thought about it because I don't think it's important to me. There are friends around, and the children are already in primary school. The couple's monthly income adds up to more than 200 thousand, and there are still many international schools to attend. Although I am still single and my parents bought two suites before the purchase restriction in Beijing, even if I don't have a house, I will never buy a house. Buy a school district house, spend 8 million to take up all the savings, and get a loan and pay back the loan every month. You can't overspend at home, have no entertainment, and even dare not get sick. It will be bitter, but with the same investment, the income is guaranteed.

My plan for myself is, 10 years later, I may go back to the United States for further study and return to school. Because my ultimate dream is to be a teacher, I tend to engage in a career that can influence others. If I had children then, I would take them to America.

What I want to pursue is to do what I like every day of my life and be with the person I like. If something really happens one day, I won't regret not doing anything in my life.

The above content comes from: Today's people