It seems that your question is tailored for me. I live in a third-and fourth-tier city with a wife and a son. Let me make a simple calculation based on having a child under one year old. Milk powder for one month 1000 or so, diapers for 200, clothes for one year 1000, swimming for 200 a month.

If there is early education, the cost may be higher. Children learn tools and toys for one year 1000 yuan. In this case, the cost of a child is about 20 thousand yuan a year.

Family living expenses include water, electricity, heating property and other expenses. The water fee is close to 500 yuan one year, the electricity fee is nearly 2,000 yuan, the property fee is nearly 2,000 yuan, the heating fee is nearly 3,000 yuan, and the broadband TV and other expenses are temporarily excluded. The phone bill for two people is more than 2000 a year.

The average cost of buying an updated mobile phone computer is 1000 yuan per year. This fee needs 1 10,000 yuan per year. The cost of purchasing furniture, real estate and real estate is recorded in the account every year on average, and the annual repayment burden is 50 thousand yuan.

Daily living expenses, including rice, flour, oil, salt, vegetables, meat, gas, tableware and stoves, are equivalent to 20,000 yuan per year. If you have a car, the annual maintenance insurance (the most basic insurance) costs10.5 thousand yuan, and if you check the car and sports car, it costs 5 thousand yuan a year (the minimum configuration). This fund is 40 thousand a year.

There are also 5 thousand yuan spent on tourism every year, which is quite conservative. Adults spend 3,000 yuan a year on clothes and shoes. The red envelope expenditure of reciprocity is 5000 yuan per year. The above expenditure is thirteen thousand yuan per year.

Taken together, maintaining a middle-income family costs at least133,000 yuan a year, and there are certainly many expenses not included, such as medical expenses.