How much money does an average family need to save per year? This depends on what kind of ordinary family it is. For example, Ma Huateng once said in an interview that he also comes from an ordinary family. If Ma Huateng's ordinary family is used as the standard, then it would be abnormal not to save hundreds of millions a year. In real life, there are not many people who can achieve an "ordinary family" like Ma Huateng's. A real ordinary family should be the working class, that is, a family that relies on working to make a living. I think it is an ordinary family. As for the same amount of money that an ordinary family needs to save in a year, I think it depends on the region.
If both husband and wife work in first-tier cities such as Beijing, Shanghai, Guangzhou and Shenzhen, let’s take Beijing as an example. The picture below shows the average job salary in 2019. The average salary in Beijing reached 11,204 yuan, but I think this The average salary is on the high side, so we will lower the standard to 8,500 yuan per month. This level is not high in Beijing, but it is not a hindrance either. If the income of the two couples is the same, then the overall monthly household income can reach 17,000 yuan. If they do not buy a house or a car in Beijing, it should not be too difficult for the couple to save about 4,000 yuan a month. It should take a year. 48,000, which is about 50,000. Of course, if you buy a house or a car in Beijing, you have to repay the loan every month. It is normal to not be able to save money for a whole year.
If a couple lives in second- and third-tier cities, the overall income level may not be as high as in Beijing, Shanghai, Guangzhou and Shenzhen. We will use 5,000 yuan as the standard. This income level may be biased for third-tier cities. high. If the income of both husband and wife is the same, then the annual household income is about 120,000, and if they don’t buy a house or a car, it should be relatively easy to save about 30,000 a year. Of course, if you buy a house or a car, it’s normal to not be able to save money.
The overall income level in fourth- and fifth-tier cities is even lower. Most incomes are around 3,000 yuan. We use this as the standard. If the income of both husband and wife is the same, then each person in the family The monthly income can reach 6,000 yuan, which is 72,000 yuan a year. If you don’t buy a house or a car, you can save 10,000 yuan a year. If you buy a house or a car, don’t think about saving money at this income level.
The annual average salary of urban private sector employees reached 53,604 yuan. If both husband and wife happened to be private sector employees and both reached the average level, the family's annual income could reach 106,000 yuan. about. If you don’t buy a house or a car, it should be relatively normal to save 30,000 yuan a year. Therefore, if calculated based on the national average standard, then saving 30,000 per year is relatively normal, less than 30,000 is considered a failure, and more than 30,000 is considered excellent. Of course, in reality, the income of many people is below the average, so there may not be many families that can save 30,000 yuan a year.