How much savings does a 40-year-old family have to avoid anxiety?

I just turned 40 this year, with a deposit of 2 million, a house and a car, and no loan. I look fine, but I'm still anxious.

20 12 bought a Citroen C5 and spent nearly 2 1 10,000. It's been seven years now and I want to get a new car. But this year, my son took the senior high school entrance examination and attended various cram schools. Because of his good academic performance, I tried my best to provide her with a learning environment and made up a winter vacation, which cost more than 40 thousand. Think about it. When children need money, they will have to make up lessons after high school.

My wife doesn't usually spend much money. She spends several hundred dollars a month on makeup and two or three hundred dollars on clothes, but the expenses for her daughter are relatively large. No matter what she eats and wears, she needs to be good, which is about two or three thousand yuan a month.

My wife and I earn about 20,000 yuan a month, which seems quite comfortable. However, considering that we will provide for our son and daughter to go to college in the future, and we will also buy a house and marry our son after graduation, how can a mere deposit of 2 million not make people panic? We should work hard. Without a comfortable life, it is enough to meet the needs of our families.

I am a standard post-80s, and I am 40 years old this year. I live in the county seat of a second-tier coastal city. Because my parents are only children, I have been living with my parents since I got married. We have a daughter in junior high school. In the first 20 years, she saved a little money by doing business at home. Now there are three suites in the county without loans, two cars and 500W cash in hand. In recent years, due to changes in the market environment, business has not been done. The current situation is that parents have pensions and couples have no jobs. My wife's income from small business is enough for her to spend at ordinary times. I just do some financial management and so on with the cash in my hand. My monthly income is about 3 w.

It is said that the current level is also well-fed, but there is still a sense of anxiety in my heart. Let's talk about why I feel anxious.

First of all, my income is very unstable now, which is greatly influenced by the national economic policy. Recently, the national monetary policy is also very loose, the interest rate of financial management has been declining, and my income has been decreasing. Financial management investment itself has certain risks.

Second, in the rapid development of the past 20 years, our country has also put a large amount of base money into the market, which has led to soaring prices and devaluation of the currency. I remember when I got married, the local house price was only over 800 square meters, and now 12000. Now everyone knows how many things we can buy in the market for 100. Fruit is probably becoming a luxury, and you can't buy anything in the mall. It is better to have thousands of clothes. I don't think it's the kind of spendthrift. Even so, the monthly expenses of our family of five in all aspects of life include eating and drinking Lazar, buying clothes, water and electricity, car insurance, gas costs, annual property and heating costs for three suites. This is not to mention other unexpected expenses, such as illness, the world. These add up to about 65,438 pounds a month. In short, the cost of living is extremely high now, and the money in hand has been depreciating. I don't know how much the money in my hand will be worth in ten years! So in the long run, I am still very anxious.

These are my feelings.

I happen to have four this year, so let's talk about my feelings.

I have a wife and a son, two rooms at home, more savings 10 W, no mortgage, no car, but to be honest, I am still in a hurry, mainly because the income of both parties is too low (third line, the income of husband and wife is one year 17.8 W, husband and wife 17.8 W, not individuals). I didn't save a penny last year, and I was very anxious.

Every month, there are always so many things, such as parents and brother-in-law getting sick, brother moving in, or other children being born. These are two or three thousand yuan, as well as the heating cost of two rooms at the end of the year, the water and electricity heating of the property, thousands of yuan of parents' homes, and 20,000 yuan of insurance, all kinds of messy, plus a year of travel and returning to my hometown (last year I went home for the New Year, and went to my wife's parents' house in summer.

I plan to go nowhere this year, and I won't go out during the National Day holiday. I'll stay at home and save some money. I remember ten years ago, my salary was only 3 thousand a month, and I could save 2 thousand a month. I didn't save any money last year.

To put it bluntly, the income is still too low. If a person's annual income reaches 1.2 million, and the annual income of husband and wife exceeds 200,000, there will be no such anxiety. I clearly remember that years ago, my daughter-in-law bought a coat at 1280, and there was only 4000 yuan in her salary card. After paying the child 1550 yuan, she bought this coat directly, which is 1000 yuan. It is difficult to pay her salary until the new year, because with such a little savings, she will not and will not be easy.

Therefore, I personally think that it is best for families in their forties to have at least 300,000 deposits, so that their psychology can be practical. If you have a cash deposit of 500,000 to 600,000, so much the better, and your heart is at ease. Some people will say, why do you keep another house? If you sell it, buy 700,000 to 800,000 (125m2). After calculation, you will have 900 thousand cash and deposit, so don't worry.

Personally, I think that if a family in their forties has only one house, it is estimated that they will be more anxious. If there is another house, they will be practical. If there is an emergency, a house may still be able to save their lives. If not, sell the present house and help? Where do you live?

Besides, it's a son. You have to think about his future. In the future, if he gets married and has no house, which girl will marry him? Parents are also worried if their son can't get a wife. Therefore, if he has a good personality, better quality, better prospects, better grades, better schools and a higher foundation, he will naturally have an advantage.

After reading what everyone said above, I feel so ashamed, because I am almost 40 years old and have no deposit yet. My husband and I are ordinary employees in new first-tier cities, and our monthly income is in the early 15 thousand. We have four apartments, one for the elderly, one for ourselves and two for rent. One of the mortgages is 165438+ 10,000, and I recently bought a parking space for installment payment, plus basically all my salary was paid to the bank. Fortunately, there are still two sets of rent subsidies, otherwise you will not live in this life. A son has to pay 20 thousand yuan a year in junior high school and have two cars. Usually the family can't afford luxury. The elderly are in poor health, and the psychological pressure of being children is relatively great. Still have to work hard, make more money and ease the economic crisis! Personally, if you don't owe a bank loan and have 500 thousand deposits at home, you still feel safer. Let's go

A flat house in a fourth-tier city 150, with little cash value. There is no difference between a 40000-square-meter house and a 4000-square-meter house. You just need to live there. There is a 450,000 Grand Toure, and a flat 100 bungalow by the sea in Guangxi has a mortgage. The monthly payment is more than 4,000, and the deposit is 700,000 to 800,000. Two girls, a wife and a civil servant, one hundred thousand a year. What's wrong with this society now? About 300,000 yuan a year, with a total income of * * * 400,000 yuan. Two children spend 4,000 yuan a month, our couple spend 6,000 yuan, pay more than 4,000 yuan a month, and pay about 200,000 to 300,000 yuan a year. If there is an unexpected hospitalization or business trip again, there is basically no deposit, so there is a sense of crisis and life is not fun. I am preoccupied with how to make more money. Alas! I still miss the 1990s.

I am 42 years old and have a suite in Suzhou, Huizhou, Foshan and Liuzhou! Two cars, the deposit is about 2 million, the stock is 6.5438+0 million, but the loss is 6.5438+0 million! I only have one mortgage, and now my monthly income is about 20 thousand! However, life is very tight. The main anxiety is getting older and older, and the future income can't be sustained. I dare not invest easily. I bought these houses because I really didn't know what to do, so I had to buy them with the money I earned before. The business I used to do is very difficult now, and the stock fluctuates greatly. Finally, I only hope that the house can appreciate before selling! Get a pension! If you ask me, you need at least two houses in first-and second-tier cities and a deposit of 10000000 yuan in China to live happily and carefree!

After 70, in the first-tier cities, the husband and wife each bought a suite, and their parents gave them a loan, but they never transferred. At present, because the children are close to school and it is convenient to take care of the elderly, both suites are rented out, with a combined rental income of 65,438+100,000, and they rent their own house, with a monthly rent of 3,800 and a mortgage of 2,600. The outstanding loan is 240,000 yuan and the deposit is 850,000 yuan. Their monthly income is 1 1000, and the bonus at the end of the year is 45,000 yuan. My son will be promoted to the third grade this year, and his grades are average. The cram school is about 30 thousand a year. We haven't started one-on-one yet. We go to work by subway and the children go to school by bike. I don't need a car for the time being, and of course I can't shake the license plate number. Green travel is also good, environmental protection also saves money. Let the days pass. I will be able to retire in more than seven years, just after paying off the mortgage.

In Wuhan, a new first-tier or second-tier city, my husband and I have 42+, two elevator rooms, one with 400,000 flat provident fund loans on 126, and just bought the second one with no flat loan on 100, a 350,000 SUV and a parking space. My husband has an annual income of 500,000, full-time for four years, and now he works for 4,000 months. A daughter goes to high school, and the tuition fee is 30 thousand a year. When I got married in 2002, I had a one-bedroom apartment with a deposit of 20 thousand. The parents' pension is 2.2 million lower than that of a suite, and the husband's parents' pension is 700 thousand lower than that of a suite outside the Third Ring Road. My husband has a 49-year-old brother who has no house and is unmarried, and has various foreign debts of 700,000 yuan. The elderly on both sides take care of themselves and have no physical problems at present. My present state of mind-a peaceful state of mind, life is a state of mind, and it will not be comfortable to live well and dress well. My daughter's future depends on her daily choices. As a parent, she can only hope+understand+work hard, and some things cannot be forced! ?

I am 48 years old. I am in a third-tier city in the north. I have an old mother, a daughter, a son, a senior high school entrance examination this year, and a wife. I take care of my family at home. I'm the only one who works hard outside. Now through our continuous efforts, our family now has three rooms, one shop and three shops, and we have some savings, which is enough! I feel that a country, like our small family, wants to save the country and settle down in industry. There are three shops operating normally, and the number of shops is constantly expanding ... I believe our home will get better and better in the future. First, we must train my next generation so that they can live independently in the future. I also want to raise my mother well, get sick and be hospitalized, and train my shop to be capable and responsible. Money is not reserved for future generations, so they are required to be lazy in the next life and spend money with themselves, so that "money" can become the energy and motivation for everyone around them to live actively and create value continuously!

It doesn't make much sense just to look at family income. We are in a second-tier city, and we just changed our house, with two bedrooms and three bedrooms, with a loan of 6.5438+0.2 million, and a deposit of about 6.5438+0.00 million in hand. Husband goes to work alone, and this year's tax revenue is more than 700,000. Thanks to the tax reduction, the tax revenue this year is about 550 thousand yuan. I take care of two children at home, a son and a daughter. A friend said that according to my husband's income, we can change to a better room. Actually, we are under a lot of pressure. Both parents are from the countryside and are in good health. They give 10 thousand alimony every year, plus the cost of shopping. The cost of supporting the elderly is 20 thousand to 30 thousand years. Car maintenance is 20 thousand a year, my daughter's interest class is 30 thousand a year, my son goes to kindergarten this year, and it will take 31 thousand years to keep up with the interest class. The average household expenditure is 1. 1 ten thousand pounds per month. Second-tier cities have high consumption, so I live frugally. My family spends 200 thousand a year. In a few years, the old people on both sides will get sick when they get old, and we will also take medical expenses. There is a son at home, and I want to get him a house to keep his wife's books. I don't want to wronged my daughter, but I want to get her a small house or a million dowry as much as possible. I think I need money everywhere. It is not easy for us to get out of this countryside. Everything depends on yourself. Old people on both sides can't help us at all. We can't pay or contribute, and we have to pay alimony and medical expenses. The pressure is not great, but with our efforts, children can live a more comfortable life in the future. Every generation is stronger, that's enough.