In fact, this problem is a very alarmist problem, and there is a more important problem: why do you have to deposit1100,000? 1 10,000 yuan deposit? A family with a deposit of 6,543,800 yuan is actually not very rich now, because it is meaningless to aim at a deposit of 6,543,800 yuan.
However, since so many young people are struggling with why it is so difficult to deposit 654.38+0 million yuan, let's analyze the root causes of young people's difficulty in saving money from three aspects:
The first reason is that the income of young people is not as high as expected, so it is not easy to save 6.5438+0 million yuan when the income is not high.
Young people generally refer to people under the age of 35, who are at the beginning of their career and experience the initial stage of employment and career development after graduating from college. It can be said that young people have the lowest income in their life journey, and it is certainly not an easy task to save 654.38+0 million yuan in this period.
Some people may say that the Internet is full of young people earning millions a year, and some even make millions easily. There are also various strategies to make wealth management income exceed wage income in a short time and realize wealth freedom. However, some of these online rumors are just propaganda for getting rich through various networks, some are gimmicks made by some training institutions, and some are just self-boasting and carelessness. But people can't live in an unreal world. Even if this happens in reality, it is only a rare case. For all living things, wage income is the main body of income and the most important source of funds.
And what is the wage income level? According to the data of the Survey Report on the Employability of College Students in 2022 released by Zhaopin, among the fresh graduates who have obtained the Offer and completed the signing in 2022, the average monthly salary for signing is 6507 yuan, of which the monthly salary for signing is 10000 yuan, accounting for 10.7%. It can be seen that only about 10% of college graduates can get a monthly salary of 10000 yuan, and most of them are below 10000 yuan. The monthly salary is 1000 yuan, and it will take nearly ten years to save 1000 yuan without any consumption and taxes.
According to the per capita disposable income data released by the National Bureau of Statistics in March, 2022, the per capita disposable income of Chinese residents is 36,883 yuan, of which the per capita disposable income of urban residents is 49,283 yuan. The per capita disposable income of Shanghai residents ranks first with 796 10 yuan, and Beijing ranks second with 774 15 yuan.
This income level may not be imagined by many people, but it may be a reality. If you want to save 1 million, you must first increase your income. Therefore, for young people, it is more realistic to strive to improve their income level, rather than worrying about how to save one million at present.
The second reason is that some young people are in a period of high consumption, although their income is acceptable. The consumption of getting married, having children and raising children has caused a great squeeze on deposits.
Young people's income is not as high as expected, but their consumption may be higher than expected. This scissors difference between income and expenditure may greatly weaken the saving ability of young people.
According to the statistics of the National Bureau of Statistics on consumption expenditure in 2022, the per capita consumption expenditure of the national residents in 2022 was 24,538 yuan. If the per capita disposable income of residents in 2022 is 36,883 yuan, and the per capita income and expenditure balance of the whole country is12,345 yuan, if this balance is simply regarded as the ability to save, then it will take young people 8 1 year to realize millions of deposits.
Take Beijing and Shanghai with the highest incomes as examples. Although young people in the two places have the highest income and the most opportunities, they also spend the most. In 2022, Shanghai and Beijing have the highest per capita consumption, with the per capita consumption of residents reaching 46,000 yuan and 42,700 yuan/year respectively. Compared with the per capita disposable income of Shanghai residents of 796 10 yuan and Beijing residents of 774 15 yuan, the per capita balance of Shanghai and Beijing residents is 336150,000 yuan. If this balance is used as the deposit amount, it will take 29.75 years and 28.8 1 year respectively to save one million, then it will take at least 28 years for young people to save one million, and even if they start working at the age of 22, they will need to be 50 years old.
Of course, we only calculate the average income level and average expenditure level here. Undeniably, some outstanding young people have above-average incomes and above-average deposit balances, but it may take 10 years or even higher. Of course, for those outstanding young people who earn millions a year, it is easier to save millions. But for most ordinary young people and wage earners, it is very difficult to save money in the face of huge pressure of living consumption.
Some friends from other places left their children to work in Beijing and Shanghai after graduation. After working for five to eight years, some children have returned to their original places. Because the cost of living in Beijing and Shanghai is too high, they have little savings after working for five or even eight years, and feel that this situation will not change if it continues. Therefore, it is not unreasonable to escape from Beijing, Shanghai and Guangzhou for a period of time, but it reflects the adjustment attitude of some young people to their future life in the face of life pressure and work pressure.
The third reason is that most young people have mortgages, and it is inevitable to save money at a critical period of buying a house and repaying the loan.
In fact, there seems to be some savings in the per capita income and per capita consumption expenditure of China residents, but for young people, this balance may be more difficult. After all, young people are in a critical period of marriage and childbearing, and renting a house will become a very important living expense. But if you buy a house, you may face greater pressure, even the pressure of borrowing. In other words, young people buying a house may not be a question of saving millions, but a question of how much to borrow.
The data shows that the balance of local and foreign currency loans of Chinese residents at the end of 2022 was 74.94 trillion yuan, of which the balance of personal housing loans in China reached 38.8 trillion yuan, the balance of business loans of local and foreign currency households was 18.9 trillion yuan, and the balance of consumer loans (excluding personal housing loans) was 17.25 trillion yuan.
In terms of loans per household, Shanghai ranks first in China with1/kloc-0.9 million yuan, Zhejiang ranks second with1/kloc-0.6 million yuan, and Beijing ranks third with/kloc-0.8 million yuan.
According to the survey results of the central bank, China urban household mortgage is the main component of household debt, accounting for more than 70%. Among the indebted families, 76.8% have housing loans, and the average balance of housing loans is 389,000 yuan, accounting for 75.9% of the total liabilities of families.
Houses are also the standard for young people to take root, settle down, get married and have children in cities. According to the data, 4 1.7% of the post-90s generation have bought houses, and even more than 7.73% of the post-00s generation have bought real estate. Because most young people buy houses with loans, or even "six red envelopes", the huge pressure of repaying loans has led some young people to laugh at themselves and become "house slaves".
Some young people are full of helplessness about mortgage, lamenting: How many ambitious young people in the country take loans to buy a house in order to get married, marry a daughter-in-law, have children, and their monthly salary is only a little bit. They dare not get sick, spend money or resign, which seriously affects the quality of life and limits the consumption of tourism, education and life. They are highly nervous before repaying the loan, so they must think twice before asking for leave. Unemployment is even more terrible.
So, once you buy a house, you bid farewell to the bank deposit. Saving 1 million is almost impossible. However, if you have housing security after going ashore through decades of mortgage, the rest will be a better life, but by that time, young people will not be young.
There is no point in discussing whether young people can save millions. Making their lives better is the true nature of life. Whether you buy a house to repay the mortgage or to improve your income, there is no fundamental change in your lifestyle, just our own mentality and living conditions. What we need to strive for is our quality of life and quality improvement. This is the direction and goal of our efforts.