How long can your savings last if you don't go to work?

Because people nowadays have little savings, it really won't last long without going to work.

I happen to know two friends, a man and a woman, who have not worked for two years. We can compare their lifestyles.

Let's start with that woman,

Her last job was in a private clothing stall, with a salary of 1500 yuan. Later, when the clothes buyer stopped looking after the shop, she officially lost her job.

I thought she would look for a job at once, but instead of doing so, she said that she had savings to support her not to work for the time being.

But then I found out that she could go out to eat and bask in her circle of friends and buy new mobile phones and appliances without a job, so I asked her if she was working again.

She told me that she didn't have a job and could buy a mobile phone and new appliances, all of which were paid for by her boyfriend. All her expenses are provided by her boyfriend, even her boyfriend's work permit is in her hand, and she can buy whatever she wants.

I asked her if your savings had been used.

She said that she had never used it, because she had been spending her boyfriend's money and didn't need to use her savings. After a long time, when I saw her again, she had gone to a factory to do QC.

I also joked with her, didn't I have a boyfriend who didn't have to work?

She said that she broke up with her boyfriend and went out to work by herself.

That is, when someone helps, they really spend a lot of money. When no one helps, they still rely on themselves, but they always feel that they don't need to work hard. Women are born to be raised by others.

Besides, men.

This man once had a better job as a draftsman on a construction site. Basically, he can get about 3000-5000 salary without attending classes. It was after the site was evacuated that he lost his job.

Well, I don't know how much money he has, but he has been at home and seldom goes out, so he spends less. He occasionally goes out for drinks with some friends or travels abroad.

There are tens of thousands of yuan to lend to friends. It is estimated that the deposit is a bit rich. His advantage is that he lives at home, eats at home and doesn't spend much money.

The only bad thing is that I tossed and turned day and night and didn't sleep well. As a result, I gained 20 pounds, and then I couldn't lose weight. For more than two years, I have been living a decadent life.

Later, after finding a counterpart major, I went to work, went to work in other places, and took a driver's license test. The work place is only 40 minutes away from my home, and I come back once or twice occasionally.

Are individual examples. Many people have no family or boyfriends, so they might as well rely on themselves.

It is best to use savings in an emergency. In today's society, I really don't know what will happen tomorrow. So you must do a job, whether it is spiritual sustenance or bringing home the bacon.

I worked alone outside the home, worked every day for more than ten years, and never had a girlfriend, so I saved more than 200 thousand.

Personal income is not much, but the concept of financial management is heavy. I don't spend money recklessly. There is a new house in my hometown, and I live alone. If I don't go to work, I can last 30 years in my hometown! Even in Shenzhen, if you rent a house and find a cheap place to rent a house, Guanlan can live for 20 years without serious illness.

Don't believe me, my savings have 30 yuan interest every day. It takes less than one day to buy food in 20 yuan, less than one day to rent a house in 20 yuan, less than one day for water and electricity in 3 yuan, less than one day for telephone charges in 2 yuan, and almost the same for Internet access in 2 yuan, less than one day in 50 yuan and less than one month 1500 yuan!

How long can my savings last if I don't go to work? If it weren't for this epidemic, I might never have thought of such a problem.

With the spread of novel coronavirus epidemic and the arrival of the return date, I began to worry and fear, and even began to consider whether to continue working? Is it worth the risk? After all, I am old and have a wife and children at home.

Because of this epidemic, I thought about whether to give up this job. If I don't go to work, our small family has about 200 thousand deposits, and our hometown is in a small county, and the consumption level is actually not bad. Fortunately, we also have our own house, and we don't need a lot of expenses.

If I live in this small county, and a family of three lives with my parents, there may be oil rub, which is estimated as follows:

1, I won't buy food for every meal, and I may give some living expenses monthly or annually, up to 20,000 yuan;

2, some of the living expenses of the two couples, save a little, two people may be 3000 yuan per month, so this year may be 36000 yuan.

3, 3-year-old baby's kindergarten fee, the tuition fee is about 1.5 million (no exaggeration, this is really a market, the small county is in Shaoxing), plus some of her clothes and other expenses may accumulate 0.5 million, so the baby will accumulate 20 thousand (you can only save a little when you don't go to work, so you can't attend training classes).

4, a car, mainly expensive insurance, is rarely driven in small counties, about 10 thousand.

I think this is what I think of as a saving mode. When not going to work equals no income, our small family spent a total of 86 thousand, but I think the actual situation should be higher than this. In other words, the deposit will last for a little more than two years at most. It is estimated that many people will look down on it in the past two years, use up their savings, have no confidence in the future, and feel sorry for their wives and children. . . So let's get to work.

Of course, in the end, if you don't go to work, it shouldn't mean that you have no income. You can do something by yourself, especially in Zhejiang, where there are many people who don't go to work, and it is very comfortable to do some small business by yourself. You are really in your hometown. After the epidemic, I believe there will be a better tomorrow.

I expanded my question to two aspects: first, whether I need a deposit; The second is how much money to save.

I use real cases and my mentality to answer the above questions, which reflects the mentality of some rural people.

1962 Lao Liu and his wife have been chicken vendors in rural farmers' markets for more than 30 years. He definitely decided to quit the business circle with his wife on the 29th of the twelfth lunar month of 20 19 and spend the rest of his life with his savings. The reasons for his retirement are clear: first, there is no need to earn endless money; Second, as long as the money is enough.

Lao Liu is in good health and his business is OK. The fundamental reason for his rapid retreat is that he has no sense of moving forward. Lao Liu gave birth to a boy and a girl. My son is a fool, in his early thirties, unable to talk about his daughter-in-law and take care of himself. Lao Liu doesn't want him to hurt other girls. My daughter is old and has cancer. Lao Liu took150,000, and the doctor said that it could not be cured, and it was no problem to extend his life for two years. Years ago, my daughter borrowed 200,000 yuan from Lao Liu to buy a house.

Lao Liu complained that her in-laws were rich and didn't help her daughter-in-law, forcing them to borrow from Lao Liu.

This is clearly Liu Bei borrowing Jingzhou! Lao Liu said, Lao tze quit, no source of income, see they still looking for me.

Lao Liu is going to settle his son in a welfare home or a mental hospital after the new year. Then, I will go back to my hometown to decorate my hometown, raise chickens, cook all kinds of vegetables, watch TV, play mahjong, take a walk and spend my old age with my wife.

Lao Liu told me that he had a deposit of 6.5438+0.6 million. He and his wife can't live to be 79. Even if you live to be 79, it's only 20 years. On average, the old couple have 80,000 yuan to spend every year. Hometown, something like that.

I told Lao Liu that from the point of view of consumption, they have enough money to support the elderly. I have worked in government departments for nearly 30 years, and my annual salary and bonus are less than 60 thousand. Many of our colleagues support the whole family by themselves. Although inflation, old people's illness, accidental injury and other factors should be considered, rural pension subsidies, deposit interest, courtyard economy, local rural living standards, government relief and other favorable conditions should also be considered.

I have been friends with Lao Liu for fifteen years, and I understand that his grief is greater than his death. Lao Liu's child is stupid and sick. Lao Liu feels that there is no hope in the future and it is useless to earn money. It is normal to have retirement ideas and put them into action!

I am forty-nine years old and have worked for thirty years. I also want to retire. I only have one son, who is still in college. In my opinion, children and grandchildren are blessed. My savings, for my son to finish school, no problem. My wife and I have a monthly pension of more than 6000, so it's no problem to support ourselves. As for hospitalization, we bought insurance; Travel, forget it, that's the business of the rich; Go shopping and do what you can!

My wife and I both believe that when people are old, not adding burden to children is the greatest contribution to the family.

I am a female, 34 years old. Coordinates Suqian, Jiangsu. A son and a daughter. My son is 8 years old and my daughter 10 years old. At present, the actual household deposit is over 1.6 million. Two houses. Two cars. No loans.

According to the current deposit, if you don't consider buying a house or a car, other factors. Just living a simple life, I think I should be able to lie flat [yi tooth] [yi tooth] in my life.

More than 1.6 million deposits. Now it is divided into several parts. 500,000 yuan in my account has been purchased from Nanjing Bank, with a conversion rate of 4.64%. Interest is settled once a year. About 22 thousand a year. The profit of 200,000 yuan a week is 140- 150 yuan a week. A day or so in 20 yuan. This part of wealth management income adds up to almost 30 thousand yuan a year.

There are also 500,000 in my husband's account, and I also bought the financial stability series of Nanjing Bank, which I just started to buy recently. The interest rate is about 6 points. Calculated once every six months. If there is no big fluctuation, the final settlement should be 30 thousand yuan.

In this way, the financial management of1.20 thousand yuan will bring me nearly 60 thousand yuan. 5000 yuan a month. If there is nothing serious, there is no problem with the living expenses at home. The sales department of Nanjing Bank will send some gifts to customers during the Dragon Boat Festival, Mid-Autumn Festival and Spring Festival, usually rice and oil.

There are still 400 thousand, which are deposited in rural credit cooperatives for three years, and the interest is not as high as that of Nanjing Bank. But as a VIP of their bank. Can you really get some grain, oil and rice noodles? It's not bad.

In my city, all kinds of prices are acceptable except high housing prices. Before the children go to high school, the normal expenses of the family, our family of four can get about 3000 a month.

Children can use this 200,000 yuan after high school. Zhou He is more flexible and can be redeemed more or less. They lend money on Tuesday, redeem it on Monday, and receive it on Tuesday. Even if the children go to college, there is not much pressure.

My family bought insurance and paid it for 15 years. You can re-apply for insurance after reimbursement of medical insurance for hospitalization.

The house is ready for the child's wedding. Just give a little bride price and spend another 500 thousand. Two children, a son's bride price and a daughter's dowry should be settled. After the last 500 thousand, the two of us retired I think we can stick to lying flat until the day when we are down to earth. [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth] [Yi tooth]

I am 50 years old, my husband is 53 years old, and I have a daughter who is a senior one. Now there are more than one million deposits, and there is no mortgage at present. Now my husband and wife are still working.

Because prices are rising rapidly and money is becoming less and less expensive, I have to work.

I have worked for 27 years this year, and now my monthly salary is 3900. Because I am a public institution, I can only retire at the age of 55, so I have to work for a few years. My husband works in an enterprise in the city and can only retire at the age of 60. I have a 90-year-old mother, an 89-year-old in-laws and a daughter in Grade One. Make ends meet every month, typical moonlight clan.

Let me briefly list the basic expenses of my family every year: the annual fuel cost, maintenance cost and insurance cost of two cars should be at least 40,000 yuan, the meal cost of the elderly on both sides should be 30,000 yuan, the annual education cost of my daughter is 30,000 yuan (tutor fee and meal fee), the telephone fee of four mobile phones is 5,000 yuan, the water and electricity fee is 5,000 yuan (including in-laws' home), the family meal cost is 300,000 yuan, the property fee and parking fee is 4,000 yuan, and the medical insurance for my At the beginning of the year, the husband and wife went to the hospital and paid 8000 yuan at their own expense after reimbursement.

My daughter is doing orthodontics now and has to report to the hospital every month. I started doing it in July last year, and it will take three years to finish it. The doctor calculated the basic cost for me and said that it would cost about 50,000 yuan to complete the whole course of treatment, with an average of 17000 yuan per year. My husband and wife don't go to work, and they have to pay their own medical insurance and provide for the elderly every year. They need 30 thousand a year, and the whole family has to buy clothes and shoes every year, at least about 20 thousand There are also some hidden costs. This huge expense, my family's savings, can only last for six years at most.

My husband's unit is undergoing restructuring and doesn't have to go to work at present. The unit only pays 2,500 yuan of basic living expenses every month, which can only cover his own expenses. My husband has been staying at home since June 5438+ 10 last year, and our family has been living on our laurels. Seeing that the savings at home are getting less and less, my husband can't sit still. A friend asked her husband to help manage the construction site, and her husband also wanted to go, but her daughter didn't want to. Said she just entered high school and asked her father to accompany her for a while. No way, my husband has to stay at home for half a day every weekend and drive to pick up his daughter, that's all.

The nature of her husband's job requires him to eat and live on the construction site frequently and seldom go home. Over the years, I have raised my children by myself. The daughter said that now that she is in high school, the pressure of study is too great, and it is rare for her father to spend time with her at home. I told my husband that my daughter will go to college in two years. After going to college, my daughter went home less and less. If you go to work outside the country after graduating from college, it will be even more difficult to see you. Blink of an eye, my daughter has grown up. If I don't accompany her, there will be no chance in the future. At present, the family is barely maintaining enough expenses, so we will scrimp and save. After his daughter finished the college entrance examination, he went to work in other places, and her husband agreed.

You never know! Some time ago, my husband made friends carelessly and spent 300 thousand at home. My in-laws are in poor health this year and often get sick and hospitalized, which cost a lot of money. The family became stretched, and the husband had to go to other places to work to subsidize the family.

There are old people and little people in the world. The burden on my shoulders is unusual. Dare not get sick, dare not resign, dare not spend money lavishly. I feel that my life is a failure.

Personal current deposit 1.5 million! Because of the epidemic, prepare more money around you! A married family in China, 1.5 million, has two children, which can last for two years at most! The national consumption level is increasing, and the virus is also growing invisibly! According to the data I saw before, the data released by the National Bureau of Statistics after the epidemic showed that the savings of every household have greatly increased! The outbreak of the epidemic made us wake up and feel at ease with cash on hand! So when you go to work to make money, of course, you should take care of yourself!

35 years old, no social security, resigned half a month ago, his wife is working, with a monthly salary of more than 3000 yuan and social security. At present, the family has a savings of 850,000, and has a 4-year-old son who lives in the countryside with his parents and builds his own house.

Our family lives in the countryside and builds our own house. We don't have to pay the mortgage, and there is no property fee. Our monthly living expenses are very small.

Although my parents don't have a pension, my father receives more than 4000 veterans' subsidies every year. My parents have more than 2,000 rural basic pensions and more than 3,000 mu of subsidies every year. I planted three acres of land myself. I am the only child in my family. Parents are mainly responsible for buying vegetables (mainly in spring, summer and Sunday, and planting vegetables in summer and autumn), and other consumption is paid by us.

850,000 funds are allocated in deposits, regular wealth management, funds and cryptocurrency respectively, and the annual income can reach 500-65438+10,000. Together with the wife's annual salary of 30,000-40,000, the annual income can be about 65,438+10,000, and our annual expenditure is about 20,000. After the children go to school, the annual expenditure will not exceed 50 thousand.

Our family has rural cooperative medical insurance, and my wife and I bought commercial medical insurance ourselves. In case of serious illness, we don't have to worry too much. It's no problem to scrimp and save until we are buried.

Not going to work does not mean that there is no money to earn. Self-media is a good choice. You can read more books, watch more news, open one or two self-media accounts, write articles and answer questions. I could earn 320 yuan a day when I was young. After a long time, the number of fans has accumulated, and it is normal to earn more than 100 a day.

In addition to the media, you can also go to major e-commerce platforms. It's not a problem to earn dozens of dollars a day. When you are free, you can also do some errands for the US Mission and earn some living expenses. If so, you can live a comfortable life.

Some people may ask, "What if your son gets married and has children in the future?" In fact, when I got married, my parents only spent ten tables of banquet money and a few simple pieces of furniture money. The house was built by myself twenty years ago, and I got married and had children. When my son grows up, I'm sure I can leave him some money, at least the down payment on the house.