Recently, there has been an upsurge of discussion on how much money ordinary families can save in a lifetime on the Internet. This topic has attracted wide attention and heated discussion, and many netizens have expressed their views and opinions.
Among them, a representative view is that if a couple has an annual income of 150000 yuan and an annual deposit of 60000 yuan, they can save about 2.1 million yuan from the age of 25 to retirement at the age of 60. However, can this answer really represent the "ceiling" of ordinary families' lifelong savings?
We need to realize that the accumulation of household savings is a long-term and complex process, which can not be simply calculated by the amount of savings each year. In the past few decades, social and economic development has been rapid, and people's income level and consumption level have undergone tremendous changes.
More than ten years ago, the wage income was generally low, and many families could hardly have too much balance while maintaining their basic life. Therefore, the amount of savings in that period was often limited.
At the same time, the volatility of household deposits is another factor that cannot be ignored. At different stages of life, families are faced with different consumption demands and expenditure pressures. For example, children's education, housing purchase, disease treatment, etc. are all important aspects that require large expenditures. These expenditures often lead to a sharp decline in household savings. Therefore, we cannot simply add up the amount of deposits each year to calculate the total amount of deposits in a lifetime.
In addition, with the growth of age, people's income level and job stability will also change. Although they may have higher income and stable savings when they were young, many people may face difficulties in finding jobs and declining income after their forties and fifties. In this case, the growth rate of deposits will naturally slow down or even stagnate. Therefore, we cannot overestimate the amount of future deposits.
In addition to the above factors, there are other factors that will also affect the accumulation of household savings. For example, the lifestyle and consumption habits of different families will lead to differences in the amount of savings; Inflation and interest rate changes will also have an impact on the real value of deposits; The improvement of social security and welfare system will also affect the family's sense of economic security and so on.
So, how much money can an ordinary family save in a lifetime? For ordinary working families, saving 500000 yuan is a good achievement; For self-employed, self-employed and other flexible employees, if they can accumulate 1 million yuan of savings, it can almost be said that they have reached the upper limit of their savings capacity.
The reason why ordinary working families can save up to 500000 yuan is considered as "ceiling" is mainly due to the following reasons:
First, few households have more than 500000 bank deposits
Let's look at a group of data released by the central bank. In 2015, the Central Bank once conducted a survey on the distribution of deposits, and the results showed that the proportion of accounts with more than 500000 deposits was only 0.37%. This means that in all bank accounts, only a few accounts have more than 500000 deposits.
Although this figure may change over time, the central bank has not yet raised the maximum compensation limit of 500000 deposit insurance, which reflects from one side that families with bank deposits of more than 500000 are still very rare.
Second, from the perspective of various expenditures
We also need to consider the income level of ordinary families. In China, the income of most wage earners is not high, and they often have to bear many family expenses, such as housing loans, car loans, children's education, and elderly support. Under such a background, it is not easy to deposit a balance in the bank, let alone reach the deposit level of 500000 yuan.
At the same time, the accumulation of deposits is a long-term process, which requires the precipitation of time and the effect of compound interest. However, in real life, ordinary families are often faced with various uncertainties and risks, such as unemployment, disease and other emergencies, which may lead to the interruption of family savings plans, or even put families in debt.
Of course, some families may have higher savings, but also bear heavy debts; While some families do not have much savings, they live a happy life because they know how to reasonably plan their household expenditure and achieve balance of income and expenditure.
In fact, in modern society, if a family does not have any debts and has a certain amount of savings, it can really be regarded as a relatively good economic situation. Especially when the deposit can reach 500000 yuan, it is quite difficult. This is mainly based on the following factors:
First, the economic situation of ordinary wage earners is not optimistic
In most cases, the family's annual income is about 100000 yuan. Although this income level can maintain the basic needs of life, it is still insufficient in the face of growing expenses. Family living expenses, children's education, social activities, support for the elderly and medical expenses, each of which is not a small expense.
Especially in the current situation of rising prices, the family's economic pressure is getting heavier. Therefore, under such a background, a family can have three or five million savings, which is a fairly good economic situation.
Second, the impact of the current real estate market on the family economy
There are more than 200 million house slaves nationwide, and more than 200 million people share the pressure of housing loans. This means that most of the income of many families is used to repay the mortgage, and the remaining disposable income is very limited. In this case, it is almost impossible to accumulate 500000 yuan of deposits. Even if the deposit level reaches 100000 yuan, it is already very difficult.
Third, the debt problem of young people
Data shows that nearly 90% of the post-90s generation in China are in debt, with a per capita debt of up to 130000 yuan. Most of these young people have just entered the society and their income level is relatively low, but their consumption concept is relatively advanced. They tend to meet their consumption needs through borrowing, which leads to debt. For these families, it is a lucky thing to be able to pay off the debts before, let alone save 500000 yuan.
Of course, many people believe that some families can increase their income through financial management, investment and other means. However, the domestic real estate market has been on the decline since 2019, and the stock market has been hovering around 3000 points, which means that it is difficult for us to make money from real estate and the stock market.
However, in reality, there are indeed a few families that can successfully manage their finances and invest. Most families lack professional financial knowledge and experience, and it is often difficult to obtain ideal investment returns. Some people even fall into deeper debt because they blindly follow the trend or listen to the so-called "experts" 'suggestions.
Therefore, in modern society, if a family does not have any debt and has some savings, it can really be regarded as a relatively good economic situation, which reflects the degree of attention that the family attaches to economic management, and also reflects the ability of the family to cope with various economic pressures.
