Why do you say that? Because first of all, I personally have a stable job, and the total annual household consumption is about 80 thousand yuan. Therefore, according to the average annual income of 5% of bank wealth management products, 2 million yuan of wealth management can earn about 654.38 million yuan a year, which is enough for our family's annual expenses. That is to say, even if I don't work, I can maintain the normal operation of my family by relying on the income of this 2 million yuan of bank wealth management.
But we must know that we live in an era of inflation, and the currency depreciates by about 4% every year. According to Law 72 (72/4= 18), according to this ratio, our monetary assets will shrink by half every 18 years.
For a simple example, now we buy a bag of rice from 60 yuan. 18 years later, I may need at least 120 yuan to buy rice with the same brand and weight.
So what can bring me a sense of security now is 2 million, but after 18, it may need 4 million or more.
In addition, I am currently studying investment and financial management, with an average annual income of about 5%. If my average annual investment income can reach more than 10% in the future, then I may only need10 million yuan or even less to bring me enough sense of security.
To sum up, the current deposit amount that can bring me a sense of security is 2 million yuan, but this amount may fluctuate in the future.
Coordinates, small cities in the 4th and 5th lines, judging from the current income level of my husband and I, I think it takes at least 200,000 to feel safe.
Why 200,000? In fact, 200,000 yuan is really nothing for now, but it is a big deposit for our family.
My husband and I add up to about 9000 a month, because in the fourth-and fifth-tier cities, we used to pay down the house and decorate it with the help of our parents, and bought a car. Now I use the provident fund to repay the mortgage and the car loan every month. As long as we don't eat and drink outside every day, the pressure of life is not great.
The biggest pressure now is the education of children.
Fortunately, both parents have time to take care of their children, otherwise the monthly nanny fee will be extremely high.
There are too few public kindergartens, so there are no public kindergartens in our area. Because we live in a new town, the cost is very good. Kindergarten fees are basically around 2400-3500 per month, which are very general kindergartens. Nowadays, early education is very popular. An early education class is almost 70. When the children are older, they will take interest classes. He is going to take her to learn Lego. One Lego class 180, and the English interest class is about one year 10000. Other interest classes have not inquired, and the price should not be low.
In recent years, the cost of education has hit record highs.
As an old mother, I can eat and dress well, and my children should receive a better education. I may represent the mood of most parents.
In fact, it is really not a comparison, but it is in line with this common phenomenon. We have no time to educate our children by ourselves. Very helpless.
Both parents have social security, or the unit retires with a pension. Therefore, as long as parents are not seriously ill, their health will be fine.
My husband and I are the backbone of these three families, so we bought commercial insurance, hoping that it will not take effect in this life and we will be safe all our lives. As long as I am safe, I am at ease with the deposit of 6,543,800 yuan.
I know that 200,000 is really nothing, but for my family, it is the most practical and safest figure. I also hope that I can be more capable and make this number 500,000 or even higher. But we have to be realistic, right?
I hope I can spend endless money in my life, but do I really have no money without working?
As long as we are healthy, the deposit is a rising number, while without health, the deposit is a negative number.
How much deposit will make me feel safe? I've thought about this problem, too Don't want to spend too much money in third-tier cities. The two children started from kindergarten to high school (now attending private schools). One child is 40 thousand a year, and two children are 80 thousand a year. Two children high school1200,000. When they go to college, it is estimated that one child will be 50,000 a year and two children will be 300,000 a year. Two children need 6.5438+0.5 million yuan for family expenses from kindergarten to university, and 50,000 yuan for going out for a small holiday. Now I am 30 years old and will spend 2.5 million yuan in the next 50 years. I have to buy a house for my children, a car of 500,000 yuan and a daughter of 654.38+00,000 yuan. Excluding depreciation and interest, 7 million.