Why do you feel that there are more and more debts after 90?

The consumption concept of modern young people is far from that of the elderly, and the concept of comparing with each other is particularly strong. Many young people can't earn money and are willing to be old if they have the conditions, but they can't afford to borrow money for consumption. As a result, some young people are heavily in debt and unable to pay back.

Why should the post-90s generation take on so many responsibilities? I'm a post-90s generation, heavily in debt. I think there are several reasons why I am in debt.

First, I live in my parents' infancy. Although my parents also do odd jobs, whenever I need money, he always thinks of me without hesitation. When I was studying, my parents would lend it to me as soon as I said I had no money. Maybe it's because they like me so much I don't know the hardships of life at all, and the hardships of making money will form this extravagant consumption habit.

Second, everyone's life is better after 90, and this kind of comparison psychology is getting heavier and heavier.

You want to buy a car when you see others buying a car, and you want to buy a house when you see others buying a house, but your income may not be high. Your savings can't let you buy a car or a house at one time, so you pay in installments and are naturally in debt. I have to spend money every month, and I have to pay back my car loan and mortgage. You have been in deficit, so debt is inevitable again. I am an example of this myself.

There is also a third materialistic society, where there are more and more temptations, such as routine loans, online gambling and WeChat red envelopes. After 90, I am heavily in debt, losing money every day, and naturally want to make money. I may have accidentally let go of this whirlpool and I can't extricate myself. This is what I am now. Lost a lot of money, wanted to win money, but ended up in a whirlpool.

So I said that there are many reasons for post-90 s debt. Just a small reason can make it difficult for you to turn over, it is difficult for you to turn over. Maybe only when you really realize the hardships of life can you get more and more debt. Come on, yourself! Work hard and stay away from debt. In the face of all kinds of temptations in life, I must think twice before acting. I am now a person with a debt of more than 100 thousand. I really understand the hardship of debt. It's really hard to live in hot water every day.

After 90, now less than 30 years old, basically married. The high debt should belong to the mortgage, and the mortgage can be repaid for half a lifetime.

I am 95, and the last one has a current debt of 0! A year ago, I was in debt140,000! Since the media can really change a person's life!

This is Altay, Xinjiang

First, young people's consumption concepts are different. For example, we usually buy shoes and clothes with clover and Nike. We usually eat from 7 to 10, and spend 800. Young people seldom cook by themselves and often eat out. A meal costs 20 yuan per person to go to 40 yuan.

Second, car loans, fuel consumption. Seeing that everyone bought a car, I wanted to buy it myself, and I went on the road of no return.

Third, mortgage, rent, utilities, property, garbage management and other expenses.

Fourth, our salary ranges from 2,500 to 65,438+10,000. Most people think that 65438+ million is impossible, but it is too normal for some insurance practitioners to earn millions a year. Most people belong to the level of around 3000, especially young people.

Income simply cannot support a person's basic expenses, which leads us to use credit cards, spend money and borrow money. It is normal to have a debt of about 65,438+10,000 yuan.

I got married in 1994, with a monthly salary of 3,200 yuan, no mortgage or car loan. Eat 1000 a month, refuel 1000 or so, and give it to children 1000. The money for marriage was withheld by my wife and mother (200,000 yuan), which cost 65,438+million yuan, resulting in no savings. The rest of the events had to borrow money to live, and over time it became a debt of 654.38+10,000 yuan.

First of all, the social competition is fierce, and it is difficult for young people without foundation to succeed, or the process of success is very long. Secondly, if there is no good direction and personal ability in today's society, it is difficult to succeed simply by examination. Third, there are so many examples of getting rich for nothing or by real estate speculation and demolition that young people think that this society is an era full of opportunities. Finally, those young people who have the direction and the pursuit, in the process of starting a business or employment, did not give full play to their personal ability or team ability correctly.

The above reasons have caused young people who are idealistic, fail to start a business and are trying to succeed to bear huge debts.

The oldest post-90s generation is in their thirties, and they are all faced with great life events such as "getting married, having children, buying a house and a car".

It didn't take long for the post-90 s to come out for social work, and the salary was flat.

After 90, most parents are still working in general, and the family can't help much. Just "getting married and buying a house" has cost a lot of money, and the mortgage alone has owed hundreds of thousands and decades of debts.

And now the consumption level is getting higher and higher, the pressure of life is getting bigger and bigger, and the wage income is not much higher, which will inevitably make most post-90 s long-term liabilities, and show a trend of more and more liabilities.

This is also an important reason why the speech of "The Back Waves Push the Front Waves" was criticized on the Internet during the May 4th Youth Day. Life is hard, but no matter how wonderful it is, it will inevitably cause dissatisfaction.

However, no matter how much debt we have, we still have to believe in the future, and believe that indomitable efforts can change the current debt situation and realize a happy life.

A big difference between post-90 s and post-80 s and post-70 s is the different concepts.

The subject concept of the post-90s generation was formed after 2000, and the appearance of consumer tools such as Alipay and credit cards brought brand-new consumption concepts.

After 70 s and 80 s, people generally choose to save money before spending. However, after the emergence of tools such as credit cards, it is different. As long as the credit can be maintained, even if the income is different, it is possible to mobilize more funds. A post-90s girl I know has a credit card with a credit limit of more than 500,000.

Although her position is not high, everyone jokes that she is the richest person in our office. Therefore, pre-consumption has become the daily life of many post-90s.

On the other hand, pre-consumption tools such as credit cards also make mass consumption possible. Just like the little girl in front, they can buy it at any time for hundreds of thousands if they want. This is relatively rare after 70 s and 80 s. Generally speaking, people who used to tend to spend in bulk must be cautious.

On the other hand, the post-90s generation is likely to have large-scale expenditures in the nature of borrowing.

Lao Wei is a carpenter in a neighboring village and a worker of my father. I call him Uncle Wei. In recent years, I have done a lot of work in our local countryside and should earn a lot of money. A small villa was built only a few years ago. Last year, the old van that had been driven for several years was replaced by a new car of 200 thousand, which should be quite good in the countryside. However, it didn't take long for the new car to be replaced last year. It is said that 200,000 cars in Shu Wei were sold 1.7 million. I was curious why. Obviously, Shu Wei's family condition is not bad, and I have never heard anyone say that someone at home is seriously ill and has no money to treat him! Later, in the small talk of the villagers, I learned the reason why Shu Wei sold the car.

It turns out that Shu Wei has made a lot of money in recent years. He not only built a new house for a new car, but also prepared 200 thousand for his son when he got married. That's a good idea, but just the year before last, someone suddenly called Shu Wei and said that his son owed them1.2000 yuan. Now he doesn't pay back the money, so he can only call Shu Wei and ask him to pay back the money.

How can a child owe others hundreds of thousands when he is still studying hard in college? Shu Wei thought it was a swindler calling to cheat money, so he called his son to check, but Shu Wei's son didn't answer the phone at all. Shu Wei suddenly became very worried and immediately drove to his son's school to see what had happened. I didn't see my son when I arrived at school, but I learned through my son's roommate that his son borrowed an online loan and couldn't afford it. Now I am urged by others every day, and now I am hiding outside and not at school.

Later, I finally contacted my son through his classmates, only to know that Uncle Wei gave him enough living expenses every month. Xiao Wei spent more than 1000 on a pair of shoes and more than 8,000 on a mobile phone. He regularly goes out to eat with friends, gives his girlfriend all kinds of expensive gifts, and takes her out to stay in hotels. For a college student, this consumption is not high. However, Uncle Wei only gives 2,000 yuan a month for living expenses. Even if he added 1000 yuan to the Love Fund after learning that Xiao Wei had a girlfriend, 3000 yuan per month is not enough.

I only saw the advertisement of online loan when I ran out of money once. I want to borrow some money and pay it back when Shu Wei pays the living expenses next month. But when you spend money, you don't realize how much you spend. In two months, Xiao Wei borrowed 50,000 yuan from several platforms, which was very handsome, but when you paid back the money, you found that it was not enough at all, and you still needed to compound interest of 65,438+10,000 yuan. Xiao Wei tricked Shu Wei into applying for a postgraduate degree, and asked Shu Wei for more than 50,000 registration fees, but only enough for the principal, with more than half of the interest unpaid. Finally, Xiao Wei simply chose to escape and didn't answer other people's phone calls. Collect call to Shu Wei's cell phone. Knowing what happened, Shu Wei paid off all the remaining debts with the money, told Xiao Wei to study hard at school and not to borrow any more money, and added 1000 yuan to Xiao Wei's living expenses.

But frugality is easy, but frugality is difficult. Although Xiao Wei now has a monthly living allowance of 4,000 yuan, he still can't meet his high consumption. After less than two months, he began to look for various reasons to ask Shuwei for money. However, after asking for tens of thousands of dollars, Shu Wei did not give him money easily. Xiao Wei started to borrow online loans again. He may feel certain that Shu Wei will eventually wipe his ass and borrow 65,438+800,000 at once. After several rounds of interest, several platforms have to pay back 600,000 yuan.

When there is no money to pay back, Xiao Wei plays the old trick, that is, he doesn't answer the phone, even worried that the collector will come to school to find him, and he doesn't stay at school much. The payee couldn't find Xiao Wei, so he called Shu Wei's cell phone again. Last time I owed100000, Shu Wei's deposit can still solve the problem, and now I have more than 600000. How does Shu Wei repay so much money? After consulting with the online lending platform, I finally returned 400,000 yuan to Xiao Wei.

It is not enough for Shu Wei to take out all his savings. He sold the car that the general had been driving for less than half a year. He also borrowed tens of thousands of dollars from relatives and friends to fill this hole. Shu Wei realized at this time that he couldn't let Xiao Wei go on like this, that is, Shu Wei made some money over the years, otherwise he couldn't fill it in at all. Anyway, Xiao Wei basically didn't learn anything at school, and he did a terrible job in the exam. He simply dropped out of school and brought Xiao Wei to work beside him, lest he borrow money outside again.

Some people say that there are more and more debts after 1990s. Why is this happening? In fact, post-90s liabilities are mainly divided into two categories:

One is that people like Xiao Wei have not established a good consumption concept. Some post-90s can't see clearly how much money they have, so they spend it as long as they can get it. Now the threshold of various loans is really not so high, which also leads many people to exchange their credit for money and spend it in advance, just spending money for fun and not caring about paying back the money. It is also true that young people now face more temptations, and various consumer psychology leads to debt.

The second type is people who are in debt because of their houses. In the past, when the house price was not high, the couple could save money to buy a suite after a few years of hard work, or some rural areas simply built houses in the countryside. However, the current housing prices are too high. There are not many people who can buy a house through their own ability after 90. More people want the support of their parents. Even with the support of their parents, they have to borrow a lot of money from the bank. Many post-90s liabilities are mortgages.

In my personal opinion, except for the post-90s generation, which has not yet established a good consumption concept, many other people's debts are relatively understandable. The youngest post-90s generation may still be in college, and they have no ability to earn money at all. Many post-90s generation graduates only begin to earn money, but if they are in some big cities, the money they earn every month may not be enough for normal life and consumption. The first batch of 90-year-olds are married and need to bear the mortgage, children's expenses and so on.

The post-90s generation is the product of a special period and has the following characteristics:

1, compared with the post-80s generation, most of them are brothers and sisters, and most of them are only children born under the national family planning policy. In the future, one person needs to take care of the support of four parents, while the post-80s generation is generally shared by several brothers and sisters;

The post-2.90 generation is a kind of people with the characteristics of the times. They enjoy the dividends brought by the rapid development of reform and opening up for decades. Basically, they all grew up in greenhouses built by their parents, and their ability to bear hardships is not as good as that of the previous generation. They yearn for freedom and like the convenience of the city, but they are limited by the allocation of limited resources in the city.

3. The opening of culture, compared with the traditional thinking of parents, is more innovative and far-sighted, and the unwilling status quo derived from dreams meets the cruel reality, leaving a mark on your face after 90.

4, high wages and high IQ reflect the difference between the generation of 90 and the previous generation, but high housing prices and high prices are also pressing the once bohemian post-90 s like mountains; The age of marriage is getting closer and closer. When you think you have your own sky, you find that your feet have been imprisoned.

After 5 and 90, I like freedom and yearn for life. Coupled with the concept of consumption in advance, in the era when I can spend freely with my mobile phone, consumption in advance has become a habit rather than a plan.

In short, the post-90s generation looks beautiful on the surface, but in fact, most of them are overdrawing the future to live today.