Hey, what do you think is the sign of a successful young man?
It is estimated that someone will rush to answer: what else is there to say? Have a house, a car, and savings. Yep, you're quite right.
The house and car, I do not evaluate, for some people, they are just in need, buy it for sure. However, some people don't need them in the short term, and they can buy or not. It's very simple. If you are a northern drifter, it doesn't make sense to buy a house and a car. Cars, in particular, don't seem to have much value except for the depreciation of ash. You can't drive to work every day, let alone fuel consumption and parking fees. The Beijing traffic restriction policy has directly dispelled many people. car buying idea.
So, if you have a house and a car, it is better to have a deposit.
When it comes to deposits, the little girl in the street interview video has more say. According to their logic, a 30-year-old man would save millions at every turn.
Well, we will not comment on this statement today, we will settle the account separately.
Just think of it as a deposit of one million. Can it be saved at the age of 30? In other words, how many years does it take for an average person to to deposit millions?
This question is not easy to answer, after all, everyone's income level is different.
uses the average at this time. The national per capita disposable income in 2020 is 32,189 yuan. Per capita disposable income is the sum of household consumption expenditure and savings . So you need to subtract the consumption amount from 32,189 yuan, and the rest is your savings. Suppose you spend 12,000 a year, and the remaining 20,000 is your deposit.
saves 20,000 yuan a year, and it takes 50 years to save 1 million yuan... That is to say, when we complete the deposit target , we will be old and eighty. Even if you have savings, you don't have much energy to spend. This result is simply too heart !
Is there any way to shorten the deposit time? This is what you're asking. In fact, it is four big characters, open source and reduce expenditure.
Increasing income also reduces expenditure. After a year, deposits will naturally increase. It makes sense, everyone knows it, but few people know how to do it.
The first step in accumulating wealth is to learn to save money first. If you want to save money, you must first learn to save money. Today's young people owe money every month, and spend money without planning. Are you saying they earn less? It is not uncommon for a monthly income of 8,000 in a big city, but the problem is that it cannot be saved. Yes, the consumption level in big cities is indeed high, but after the necessary expenditures, there must be a large surplus.
If you want to save money, the easiest way is to set a goal for yourself. For example, if you want to save 3,000 per month, then you should control the expenditure within 5,000. I think it is easier to control the expenditure than to control the deposit. So you might as well set a maximum consumption threshold for yourself, control consumption, and you can increase your savings.
The second step is to open source. To be honest, it is quite difficult to achieve millions of deposits from dead wages, unless you are a corporate executive with an annual salary of hundreds of thousands, but there are so many executives, most of them are ordinary white-collar workers.
I have many friends around me. They all have sideline income in addition to their salary. Now the short video industry is so popular, and from the media is so popular, why not try to study it? If you are good at writing, you can make pictures and texts. If you are good at performing, you can make videos. As long as you want to make money, you can grab a lot of opportunities.
Start a side business, find more money to make money, and learn to use money to make money.
Buffett said that how much wealth a person can accumulate in a lifetime does not depend on how much salary you can earn, but how you manage and invest.
After reaching the age of 30, they are fighting for their income after sleeping.
is not difficult to operate. After the monthly salary is received, you need to make a plan, such as using 30% of the money for living, 20% for emergency, and 10% for configuring insurance to disperse risks .
The remaining money can be used to fund and invest in .
According to the 20 statistics of the A share market, the annualized interest rate of the fund’s scheduled investment is between 7% and 12%. Even if you make a fixed investment of 1,000 yuan per month, after 30 years, the sum of principal and interest will also be 1.04 million.
It takes 50 years to save millions of money by saving a little bit of money, but if you choose the right financial management method, you can achieve this goal in 30 years, shortening the time by 30 years!
However, there are certain thresholds for financial management. The premise is that you have certain knowledge, so as to avoid detours.
