How many assets do you think you can have at home without worrying about your life?

My family is on the road of "pursuing financial freedom". My wife carefully studied and practiced the knowledge of asset allocation a few years ago, groped, summarized and solidified, and formed a set of asset allocation model suitable for her family, which can make the family assets grow steadily in recent years. My wife became very confident because of this. She hung a sentence in the study: be a friend of time, be a friend of compound interest, let wealth snowball and get rich slowly.

So, how many assets does a person or a family have to stop worrying about life?

Three standards of financial freedom (no longer worrying about money).

There are many ideas about financial freedom, and there are three common ones: one is quantitative financial freedom standard, the other is emotional financial freedom standard, and the other is formulaic financial freedom standard.

First, the quantitative standard of financial freedom. Represented by the Hurun Report. Hurun recently released the 202 1 China Urban Financial Freedom Standard, which is objectively divided into three dimensions: first, second and third tier cities, and each dimension is divided into four gradients: entry level, intermediate level, advanced level and international level.

Take Beijing, the first-tier city where I live, as an example: the threshold of entry-level wealth freedom is190,000 yuan, which mainly includes a set of 120 square meters of urban permanent housing, 2 cars, annual household income of 600,000 yuan after tax and financial investment of 8 million yuan; The threshold of wealth freedom in the middle is 65 million yuan, which mainly includes a set of 250 square meters of permanent housing in the urban area, a set of 200 square meters of two houses in the suburbs, two cars, an annual after-tax family income of 6,543,800 yuan and a financial investment of 6,543,800 yuan. The threshold of high-level wealth freedom is 65.438+0.9 billion yuan, which mainly includes a 400-square-meter urban permanent house, a 300-square-meter suburban second suite and four cars. The annual family income after tax is 6.5 million yuan and the financial investment is 65 million yuan. The threshold of international wealth freedom is 350 million yuan, equivalent to 50 million US dollars, which mainly includes a 600-square-meter urban permanent house, a 400-square-meter suburban second suite, a 400-square-meter mountain and seaside holiday house, four cars, annual household income of/kloc-0.00 million yuan, and financial investment of 6,543.80 billion yuan.

Second, the emotional standard of financial freedom. It varies from person to person, from region to region, and from feeling to feeling. You think you are not worried about eating and drinking, life, education, time freedom and spiritual freedom. The state of "self-satisfaction" is your financial freedom standard.

Third, the formulaic standard of financial freedom. Passive income (mainly refers to after-school income brought by investment, financial management, rental, copyright and personal IP, that is, income obtained without paying the cost of time and energy) covers your rigid living expenses, even if you are financially free.

For the above three views, the benevolent has different opinions, the wise have different opinions, and the public is right, and the old woman is right. In fact, for a specific person, as long as he finds his own happiness, he realizes "financial freedom" and does not need to accept other people's opinions. But for families living in Beijing, it is useless to rely solely on perceptual knowledge and self-feeling. Money is not everything, but you can't do anything without money. Only by having enough assets and wealth can we really avoid the anxiety of survival and can't play anything empty.

Second, the living expenses of a family of three in Beijing are above average.

I think the quantitative standard defined in Hurun's wealth freedom report is still close to my feelings. In a first-tier city like Beijing, the entry standard for wealth freedom (avoiding survival anxiety) is 6.5438+0.9 million yuan (as shown above), including real estate (self-owned housing), financial assets (cash for investment and wealth management), and cash flow (annual income after tax) to maintain a basic decent life and daily expenses. These three dimensions are considered by Hurun, so from this point of view, Hurun's standards are still in line with reality.

Let's analyze the order of magnitude of the three dimensions in the Hurun standard. Urban area 1.20 square meters, a set of small three rooms, market price100000 yuan, two cars, financial investment100000 yuan (including deposits, wealth management, funds, bonds, trust investment and stocks). In addition, there is a stable family after-tax income of 600,000 yuan. A house not only has the function of self-occupation, but also has the function of asset allocation and value preservation and appreciation. Two cars are the basis of quality of life, belonging to functional assets and consumer assets. The annual income tax is 600,000, and the monthly income is 50,000, which has two meanings. 600,000 after tax represents about 800,000 before tax, including five insurances and one gold. Social security and medical insurance can be paid according to Beijing's capping standards and can enjoy better protection. The monthly cash flow of 50,000 yuan is mainly used to meet the investment in higher quality life and higher quality education.

Let's open the details of Beijing's household consumption rigid expenditure to see if the monthly cash flow of 50,000 can guarantee a higher-than-average quality of life and education.

-monthly rigid expenditure. Property fees, water, electricity, heating network, mobile phone communication fees, as well as the rigid expenses of two cars, maintenance, repair, parking fees and so on. , are calculated according to the lower level, but also need a monthly rigid expenditure of 1 10,000 yuan.

-Monthly living expenses. Suppose that according to the smallest unit of a family of three, three meals a day, fruit and milk snacks can not be less than 5,000 yuan a month, and only 160 yuan a day, with an average of about 50 yuan. Keep a "gold-swallowing beast" and you will know that the fruit snacks you make every day are not necessarily less than 50 yuan. There are also daily necessities such as bathing, washing hair, brushing teeth, washing face and washing clothes. There are ordinary ones. There are hundreds of them every month. Not to mention the freedom of cherries, this consumption level is only suitable for a supermarket and vegetable market. Dare to go to the boutique supermarket when you meet a happy event. What concept? At noon today, I bought four peaches from 20 yuan in the vegetable market, and a box (four) from 200 yuan in the boutique supermarket. I like seafood. Look at the live sea crabs in the boutique supermarket for 498 yuan and 500 grams. I can only swallow saliva and turn away.

-Daily entertainment expenses per month. Although it is not rigid, it is impossible for a family of three not to go out and leave the second door. As long as you go out, it is impossible without spending money. 50 yuan, the lowest ticket for a movie in Beijing, a family of three 150 yuan. It is unrealistic to take children to amusement parks without spending one or two hundred yuan a day. On average, there are always one or two social parties and dinners a month, and at least 1000 yuan goes out. I'm away from home, but I don't seem to be coming back. There are always several debt of gratitude (red envelopes with gifts) within a year. It's equivalent to 5000 yuan a month, which really can't be less, otherwise there is really no guarantee.

Monthly expenditure on filial piety to parents (equivalent). On holidays, parents, other relatives and children must be given red envelopes. According to the minimum of 20 thousand a year, a month is also 2000.

-Monthly investment in culture, fitness and sports. This really varies from person to person. Some people like playing badminton, some people like running marathons, and some people like fitness. But if they have a hobby of burning money, I don't know how much it will cost. I'm fine. I have no hobby of burning money. I just like reading, writing from the media and surfing the Internet. I always want to buy some books and electronic equipment every year. It costs 20 thousand a year, which is equivalent to 2000 a month. Not much, really. Now slightly better books are rising at 60 yuan, and buying a few books a month is hundreds more. I don't even play badminton now. If I insist on playing badminton, the venue fee and badminton consumption will go up in one month 1000 yuan.

-Non-mandatory but necessary monthly consumption of cosmetics and clothing. This varies from person to person. When you meet a wife who likes to dress up, you can't beat any money How many sets of clothes do you have to buy a year? A family of three, according to the classification, the wife is the biggest "gold swallowing beast". How about 30,000 to 40,000 yuan a year for clothes, ornaments and cosmetics? Don't mention buying brand-name bags, one is tens of thousands, and it will take five or six years to buy one. Children, also small "gold-swallowing beasts", earn at least 10 thousand a year, and they can't beat them at all. I am a man, 10 thousand yuan a year. It is equivalent to 5000 yuan a month. It looks a lot. You can tell by shopping with your wife. A woman can wear decent clothes for one or two thousand. Last time, a small sling was several thousand (a piece of cloth was less than half a foot). Take me for example, we all buy shirts with a 30% discount, and the price is one or two thousand. After a 30% discount, three or four hundred and one shirts are not too many. Men always buy two pairs of shoes a year, right? Can you sell good shoes for 1000 yuan?

-Fixed monthly expenditure on education. This also varies from person to person. Some people go to heaven, but those who don't go to hell have at least a rigid bottom line. Fortunately, I am in Chaoyang District, not in Haidian District and Shunyi District where parents of "Chicken Baby" invest in education without blinking an eye. It is said that Shunyi's mother's investment in a child's education is one million a year. Kindergarten, primary school, junior high school, high school and bull school are all inaccessible. Many people go to private schools, and the tuition fee is several years a year. There are more than 500,000 international schools a year. Various cram schools, interest classes and promotion classes (horseback riding, archery and golf). Let's just say that I hired a teacher to help my children with math, and it cost me 1000 yuan an hour. I also gave the teacher a gift before I received it. Cultivating a child in Beijing is equivalent to at least 10000 yuan per month. The following high-energy warning: children go to study in western countries, with an average annual rate of 400,000 to 500,000. This is not worth it.

—— In summary, the monthly rigid expenditure is 40,000 to 50,000. I haven't dared to consider mortgage. My family is fine. I used a provident fund loan. If it is a commercial loan, many people have a monthly mortgage of at least 5,000 yuan. So proceeding from reality, I agree with Hurun's standards.

Why are we really anxious?

The above analysis of a family of three in Beijing is still anxious even if it reaches the entry-level standard of Hurun's wealth and freedom (190,000 assets). Because even if we reach the above quality of life and education level, that is, the passing level of financial freedom. If you are no longer anxious, you should also consider the investment and wealth management income of these 8 million financial assets.

Above Beijing, a family of three, see what kind of family it is. The annual income of the family after tax is 600 thousand, which means that the couple's pre-tax salary is at least 400 thousand. In Beijing, the annual salary is 400,000, at least middle managers of large companies, professors of famous universities, famous teachers of cattle schools, small business owners, powerful freelancers, technical backbones of large factories, core personnel of high-tech enterprises, sales elites and financial elites. This group of people accounts for less than 5% of the total population.

Our anxiety mainly lies in how to allocate assets scientifically and reasonably. Now and for some time to come, it is inevitable that the global excess currency will bring about sustained inflation. This is not a black swan, but a gray rhinoceros. The negative effect of inflation is getting bigger and bigger, and the depreciation rate of our wealth is increasing quietly. We are anxious because we lack reliable investment channels and watch our assets underperform inflation.