How many 40-year-olds can't take out 65438+ 10,000 deposits?

I once read a joke on the Internet that holding a six-digit password to protect a four-digit deposit is a joke, but it also shows that it is not easy to save money in the current society. The deposit of 654.38+ million is only the starting point of six figures, and the deposit of 654.38+ million at least matches your password number. So how many 40-year-old adults, as the mainstay of the whole society, can come up with a deposit of 65.438+10,000 yuan?

Some people say that the deposit of 654.38 million yuan is not very simple. It will reach the standard in just one or two years. Indeed, for a young bachelor without debt, as long as he doesn't spend money like water, he can reach the standard in one year or two or three years. But for a 40-year-old middle-aged man, there is a senior in school and a junior in school. Sometimes, 65,438+10,000 yuan is really not a small sum, and it can even be said that it is not easy for most people in China.

According to the data released by the National Bureau of Statistics, in 2020, the average wage of urban private units in China will be 57,727 yuan/year, that is, 4,865,438 yuan +00 yuan/month. Of course, this amount is higher, because the data of the National Bureau of Statistics is pre-tax income, which means that 4865438 yuan +00 yuan includes the five insurances and one gold you paid, but in fact we have to deduct these from the salary, so,

Don't doubt this amount. In addition to mainstream first-tier cities, ordinary private enterprises in most other cities should not even have this level. Take my city as an example. In the first-tier cities along the eastern coast, from my reality, the income of ordinary workers in most factories is about 4000 yuan. Based on this income, even if a bachelor knows everything, it will take about 4.2 years every month to balance 50%.

From the perspective of income alone, it is not difficult for today's society to spend 654.38+10,000 yuan, but as a 40-year-old person, it is not easy to save money. Take me personally for example. Although I am not yet 40 years old, I am still in the fourth grade. At present, my monthly salary is about 6,543,800 yuan, which is above average in our local area. If there is no pressure, I can save 6.5438+million in a year or so.

But the reality is cruel. After deducting the mortgage of 4,500 yuan and the parking loan of 3,500 yuan, there is still about 2,000 yuan left every month. This 2000 yuan is basically equal to the moonlight after paying the property fee+vehicle management fee+car maintenance fee. As for where the living funds come from, the monthly provident fund will be refunded by more than 3,000 yuan, which is basically the expenses of utilities, mobile phone broadband, meals, daily necessities, personal contacts, consumption and entertainment. And this is my parents don't need my support at present, and there is no pressure to support their children. How can I leave the money in the future?

If you want to change to a bigger house in the future and sell the existing house as a down payment, the monthly supply pressure of the new house will be even greater, and the renovation cost, deed tax and maintenance fund of the new house will be reconsidered. If your income is not as high as mine, it is really not easy for a 40-year-old middle-aged man to balance his funds every year, let alone take out 65,438+10,000 yuan at one time.

According to the deposit data released by the central bank, by the end of 2020, the savings deposits of domestic residents in China will be 93.44 trillion yuan. According to China's population of 65.438+0.4 billion, the per capita deposit is 66,700 yuan. Although the per capita deposit data is not low, considering the average situation, in fact, most people's deposits are lower than this figure, so 654.38+00,000 seems to be very small, but it is actually an instant.

It is not difficult for individuals to save money without considering debt and supporting their families, but when you take on loans such as mortgage and car loan, you will find that the speed of saving money is greatly reduced. Once you take on a family, you will find it so difficult to save money. So at present, 40-year-old middle-aged people can take out 654.38+10,000 yuan at a time.