Why are young people in debt nowadays?

Because of the influence of hedonism, everyone thinks that everyone only lives once, why not let themselves live a better life, so everyone has this concept of spending first and then earning money, which in turn affects young people to be more in debt.

Most of today's people are impulsive consumers, products are updated quickly, and everyone is chasing trends, so there will be more debts.

Because the current society is progressing, the things sold in the society are expensive, and young people spend more money, so many of them borrow money, so they are in debt.

Nowadays, young people spend a lot of money, and some have not started to earn money or earn less, so they generally use Huabei to borrow money, and in the end, the more they borrow, the more they will go into debt.

Because the threshold for borrowing is low, and the concept of debt-based consumption is also popular.

Because today's young people are extravagant, but their wages are not high, they can only go into debt, and they can only overdraft their own money.

Because today's young people are very optimistic and very confident, and they think they can afford to pay their debts.

When he was a teenager, he came out to earn money, and went from having nothing to being penniless, and then from being penniless to being in debt. This is the result of the idea of early consumption given to us by social attention.

Without the correct concept of consumption, I have never suffered since I was a child, and I have never lived a hard life.

Because today's young people need to buy a lot of things, and their income and expenses are not equal.

Because today's young people live a relatively goalless life, and then they are confident that they can pay it back.

Because nowadays young people only know how to enjoy, and when they meet the things they like, they can buy them whenever they want, and they don't know how to control their expenses at all.

Because people nowadays are so good at enjoying it, people in the past invited guests to eat and now go out to eat at home, so the cost is naturally large.

You have the ability to repay the debts you owe, but you just need to work hard to enjoy what you deserve in advance.

Because contemporary young people live in a relatively avant-garde society and pursue too much materialism, many people will go into debt to satisfy their vanity; In addition, the current consumption level is too high, the rent is very high, and the debt is really a last resort.

Nowadays, young people are basically in debt, this phenomenon is now very common, now everyone's monthly cost of living must be at least about 2,000 per month, and they can't get sick yet, buy a house, raise children, monthly water and electricity and other expenses, if the salary is less than 3000 yuan, it is difficult to support a family, and there are all kinds of money: birthday, education, marriage, etc.

Because young people nowadays like a lot of things and pursue more expensive things, they often overspend, and some people are more vain, often buy some brands to use, but have no money.

Because today's young people are very highly educated, and they are also very literate, they understand very well that being a person now is to know how to be grateful and responsible.

There are debts, that is, the current houses and cars need loans, and they have to eat and drink, so it can be said that they have more debts.

With the development of the times, people's consumption level is getting higher and higher, but many young people have less wages after graduation, coupled with the fact that they buy things that do not match their purchasing power, resulting in more and more young people with negative assets. So what is it that consumption makes today's young people's assets more and more negative?

1. Real estate. With the development of the times, when more and more young people get married, the house has become a must-have item, even in a fourth-tier city, a house is at least six or seven hundred thousand, for young people who have just graduated, they have so much money there? If the family is better, then the parents give a down payment, and the mortgage will directly make the current young people negative equity.

2. Advance consumption of individuals. Since the emergence of a certain treasure, a certain bei began to become popular among students, the consequence of which is that many students borrow money to buy items that do not meet their current economic strength during their time in school, and the result is that some college students have not yet graduated, and they are still enjoying campus life, and as a result, they have been in debt by thousands of yuan. I borrowed more than 2,000 or nearly 3,000 at that time, until the outbreak of the epidemic last year, and suddenly found that I had no money to repay it, and in the end I had no choice, confessed to my parents, and asked my parents to help pay it back, which is not bad, some people go to show off in order to spend money, go to campus loans, and directly ruin their lives.

3. Entrepreneurial failure. There are also a small number of young people who are in debt because of entrepreneurial failure, because of personal ambition or market reasons, resulting in their own entrepreneurial failure, owing a large amount of money, and finally unable to repay, and also become a bank liar, this part of the young people's assets are also negative.

Summary: Now many young people's assets are negative, and in some cases there is no way to do it, but the second situation I think is completely avoidable, everyone is a student, there is money to spend more, no money to spend less, you can't borrow money because of a momentary comparison, ruin your life.

Because the expenses of young people nowadays are particularly large, and the cost of basic living is also very high, so this phenomenon will always occur.

This is because many young people nowadays have incorrect consumption concepts. I often buy some expensive and useless things, so I can't save money and my assets are negative.

Because today's young people don't know how to manage money, and they don't like to save money, they are all negative equity.