text/Egua Dad
There was an old man on the forum who asked a question:
I live in a small county town and have 1 million yuan in cash. I bought financial management and my annual interest rate was 180,000 yuan, and my work salary was 4,000 yuan a month. Can you lie flat and rely on interest to live a comfortable life?
This is a very interesting question. When I saw this problem, many people sarcastically said: 1 million is nothing, buying a house and paying a down payment is not necessarily enough. It is a daydream to rely on this little money to lie flat.
is really a daydream? Let me talk about my own ideas and analyze them from three perspectives.
1
First of all, is it more than 1 million? What kind of class is it in a small county?
Don’t look at Zhihu per person 985, Douyin are all free of wealth. In fact, in real life, you have 1 million yuan in cash, which is really a lot.
Because there is a very sad fact, most of you will never save so much money in your life.
You will know if you do a simple arithmetic problem: Suppose you have a monthly salary of 10,000 yuan now, and you will save more than 4,000 yuan a year after deducting your living expenses. It will take at least 20 years to save 1 million. If you start working at the age of 25, it will take you 45 to be enough.
Of course, there is no consideration for the depreciation of money here. Maybe ten years later, everyone's monthly salary will exceed 100,000. But the same is true, it doesn’t count the expenses of getting married, getting sick, buying a car, buying a house, etc.
So, based on today's purchasing power, the cruel conclusion is: Most people cannot have 1 million cash in their hands in their lives.
has 1 million cash, not to mention in a small county town, it is also very good even in Beijing, Shanghai and Guangzhou.
2
Secondly, is it more than 1 million? Actually not many.
As I see, there are 1 million in a small county town in Jiangsu and Zhejiang, but there are not too many people who earn four or five thousand at work.
Because what they see and hear tell them: 1 million is really not much, and when they encounter major events such as marriage, buying a house, getting sick, and education, they will be gone in the blink of an eye.
House prices in our small county towns in our hometown have risen to 10,000, and the dowry is starting from 180,000. I have 1 million in my hands, and when I do several major things in my life, I still have nothing to do.
1 million is not enough, so how much is enough? There is a calculation online that says 200 million is considered financial freedom.
Wealth freedom means that as long as you don’t really spend money and investment, you will not have any financial risks in your life, and you can have food and clothing for a lifetime.
This is beyond reach for us ordinary people. Judging from my shallow perspective, as long as you have 10 million, or even 5 million, you can actually live a little comfortable life.
3
The most critical third question is that the brother who asked the question said that his annual interest of 1 million yuan was 180,000 yuan, and he also had a salary of 4,000 yuan.
What kind of financial management can get 180,000 interest? Too evil.
is either an underground banker, a loan shark, or some P2P. For a regular bank, even if you deposit large certificates of deposit , it is nothing more than four or five points of interest.
This interest of 180,000 is unsustainable. Moreover, the risk is extremely high, it will collapse and run away at any time, and even the principal may be completely lost at that time.
When the principal is in danger and walking on thin ice, I would be so anxious that I couldn't sleep. How dare you lie on interest?
Did you think so?
