If you are in a first-tier city like Beijing, Shanghai and Guangzhou, then the annual household income of 200,000 is really poor. If you don't believe me, I'll do the math for you. My friend lives in Beijing. Do it his way. After graduating from a key university, he worked in a state-owned enterprise. Now his annual salary is 250 thousand, even if he takes 200 thousand. Of course, he added a chaotic subsidy. His daughter-in-law works in a small unit with an annual income of 65,438+10,000 yuan, and this family has an annual income of 300,000 yuan. It's not bad by rights.

However, they bought a house of more than 5 million yuan, with a down payment of almost 3 million yuan, and paid back more than 2 million yuan in 20 years, plus interest, paying back more than 6,543,800 yuan a month. In other words, the man's salary is basically used for repayment, and the remaining money is barely enough for their living expenses. And the woman's money can still be saved. This is the premise of not having children. They can save nearly 65438+ million a year. Later, they had children, and with the children's expenses and various extra expenses, they basically didn't save any money after one month.

However, this income can be very comfortable in second-and third-tier cities, even if the house and car have loans, it is very calm. Every time he chats with others, he says he is poor. Others say he is bragging, but he is really not. He is under great pressure every day.