If you had a deposit of 100 million, would you still go to work?

If I had a deposit of 100 million, I would still go to work, but not in a 996 class like now, and I had the confidence to choose at that time, so I would choose to do my favorite career.

If so, I won't go to work, I work to earn money to survive, if there is 100 million, even if I don't know how to manage money, it will be enough for me to live by depositing it in the bank to eat interest.

If I have a deposit of 100 million, I will still choose to go to work, because my property is limited, and I will squander it one day, and it is very boring to have nothing to do every day.

If I had a deposit of 100 million, I would not choose to work, and the interest on the deposit would be more than the salary of going to work, so why should I go to work.

No. Most people are probably like me and will use their money to invest or have fun. That's enough money for me to live on for the rest of my life.

If there are 10 million deposited in the bank, as long as they are not involved in pornography, gambling and drugs.

In this life, I don't have to work just by eating interest. If you really know how to invest and manage money.

Then you really don't have to think about such a conservative way of depositing in the bank. But if you don't know anything about finance, it is still recommended that you keep it in the bank in a conservative way, after all, you have tens of thousands of dollars a month, and you are very comfortable to live. Speaking of which, many people may oppose this, thinking that 10 million is just rich at the moment, but it does not take inflation.

All things considered, it's the poor mindset who keeps their money in the bank.

<>But I want to say that most people will not have 10 million from now until the day they die, and with 10 million, they will already be in the top 5% of the country. If people with 10 million deposits can't keep up with inflation, the group of people standing behind will only be more unable to keep up, so inflation is not a concern for us at all. Control your desire to spend, and you can even go out a few times a year with interest alone.

If this makes you feel very vague and incomprehensible, then I can give you a detailed calculation of the specific income of 10 million deposited in the bank. After reading it, everyone can understand whether 10 million deposits in the bank eat interest, whether they need to work or not.

How much interest is there on 10 million deposited in the bank? Let's calculate the interest rate from low to high.

1.Survival. On weekdays, the easiest and most common way for everyone to deposit money to the bank is the survival period. The interest rate on demand is relatively low, and the current annual interest rate.

Be. If you deposit 10 million yuan in the bank's current account, the interest for that year is 1000 35 35000 yuan, and if you have 35000 yuan a year, you can only barely maintain a basic life. However, no one is stupid enough to survive with 10 million just money.

2.The deposit period is one year. Here, depending on the bank where I usually deposit, the interest rate for a fixed year can be up to the maximum.

10,000,000 deposit term for one year. The interest at maturity is: 1000 225 225000 yuan, and the interest for a year can be 220,000 five, and this income is divided by each month:

225000 12 18750 yuan per month 18750 yuan, which is not much for some people, but in terms of my life experience. I used to work in Nanjing, which is a big city, but I personally think that the average salary there still does not break 5,000 yuan. In this city, a monthly salary of more than 10,000 yuan is still available to a small number of people, and it is not a problem to have 18,750 a month, not only to support yourself, but also to feed a family of four.

Even in my hometown of a small county, where the average salary is only 2,000, the monthly salary of 18,750 is enough to feed a family of four for half a year. What's more, there can be 18,750 every month.

In conclusion, 10 million is definitely not a small amount, and the probability of most people in this world earning 10 million is basically the same as the probability of 5 million in a lottery ticket. Therefore, with 10 million deposited in the bank, as long as you don't gamble and invest blindly. You can live comfortably with interest of tens of thousands of yuan per month.

I don't choose to continue working, I might use the money to buy a house and collect rent every month.

I won't go back to work because the money is enough for the rest of my life, and I will choose to eat, drink and be merry.

I can't do it, because I'm so tired from work, and my dead pay is only a little bit every month. It's better to live on these 10 million.

Traceability thinks: If there are 10 million, you don't have to work at all.

But then again, you can make 10 million in savings, and it seems unlikely that you don't work. People always have to have some lofty ideals and aspirations, right? If I had 10 million, I wouldn't do a job in the ordinary sense, I would choose to go to Ganzi Aba Prefecture to be a rural teacher, I suggest you do the same, or you can find a new self.

As far as this question is concerned, let's take a look at whether 10 million can live without work.

Assuming that 10 million bank certificates of deposit will be deposited, the current average rate of return of the bank's large-amount certificates of deposit is, for example, China Merchants Bank's 300,000 minimum purchase 3-year interest rate is, Agricultural Bank of China is 4,125%, one-year interest income = 10,000,000 * yuan, and the average monthly rate of return is 34,833 yuan, even if you are in the first-tier cities of Beijing, Shanghai, Guangzhou and Shenzhen, you can live a month. In other words, this income can nourish and enjoy life in any city in China.

Let's take a look at the specific expenses, taking Chengdu, the city where I live, as an example: there is no living expenditure of 6,000 yuan, which is mainly the cost of family cooking and family warm meals; Housing must not be considered, there must be self-housing, then the property management fee, assuming an area of 200 square meters, per square meter of property fees, then a 700 yuan; A car costs 2,000 yuan a month, and 5,000 yuan a month for clothing, which is already a luxury. 5,000 yuan per month for children's education.

Leisure and entertainment is 5,000 yuan per month (including socializing, eating, eating hot pot and playing mahjong), so that a total of 23,700 yuan, and there is still 15,000 yuan left. I'll cite this level of spending, which is in the top 2% of the population in Chengdu.

In short, the state is good, 10 million deposits in the bank, and only the interest can make a large family live comfortably. But again, don't you have a higher pursuit?

If you don't go to work now, how long will your savings last?

For ordinary people, they need to go to work to earn money to support their families, and many people need to repay loans. As a result, few people are able to skip going to work and rely on savings to get by. But for most people, it's okay to not go to work for a short time, after all, some people's savings can last for a while.

So far, after all these years of accumulation, I have 100,000 yuan in my hands, so if I don't go to work at all now, there will be no problem for a while. However, it also depends on how much you usually spend.

If you save a little, there will be no problem in three years. Since there is no loan, the main expenses are daily life, according to the general expenses, including food, daily necessities, and other electricity, water, and property fees.

Wait, those other expenses are called to him, 3,000 yuan a month should be fine. So according to this calculation, more than 30,000 yuan is enough in a year, and 100,000 yuan can still be used for three years.

Of course, everyone's consumption concept is different, and daily expenses will also be very different, such as some people like to eat out, while some people like to cook their own meals. This will be a lot of money in terms of food. Therefore, if those who spend money lavishly, they may spend four or five thousand yuan a month, so that when you calculate it, 100,000 yuan will be enough for two years at most.

In fact, for most ordinary families, the usual expenses are still relatively economical, but because many people have fixed expenses, such as housing loans and car loans, and other fixed expenses, most people dare not resign casually, because once they resign, they will have no economy for a period of time, which will cause a lot of pressure on their lives. It is not easy for most people to earn money, so it is better to save as much as possible in life.

A year or so. Because I love to save money, almost all of my usual salary, except for food and drink, is saved, and even if I am unemployed, I will not be without money to live.

My savings can last for about half a year, after all, I still have a mortgage, otherwise I can last longer.

Hold on for about a month. Because I don't have the habit of depositing, I belong to the moonlight clan, and the deposit is only a few thousand yuan.

If I have 100 million, I will still go to the hammer class, how many of China's 1.4 billion people have 100 million savings, I don't know anything, deposit in the bank, the annual interest is 4 million, 300,000 a month, spend 10,000 a day, who the hell still suffers from the bird of work.

If I'm lucky enough to have 100 million in savings, I think I'll continue to work. Because money can't buy fulfillment, going to work without hurry, doing something you want to do, can make your life have some fun, otherwise it's useless to have money alone.

I will continue to work, but I will no longer be forced to look for a job due to the pressure of life, but according to my personal interests, so that I can also achieve more in my field of expertise. Because going to work is to solve life on the one hand, and to find one's own value on the other hand.

Of course not, if I have a deposit of 100 million, I will ask my girlfriend and family to travel around the world together, because people have only a few decades in their lives, and they can't walk if they are not crazy.

I won't continue to work, at that time, I just enjoyed life, I worked to make money, if I already had so much money, then why do I need to work so hard.

I don't have to go to work anymore, I want to enjoy life, take care of my parents and my loved ones, and donate money to poor mountainous areas to help those children who are suffering, build good schools, and let them study hard.

Of course, I will continue to work, who will dislike having more money. And if you don't make money, do you want to sit and eat nothing! 100 million doesn't take long, not much.

No, it is extremely uncomfortable to be managed by others, and you can make money by investing some money casually, why bother to bow your eyebrows and bend your waist to serve the powerful, first travel around the world, walk all over the mountains and rivers, do what you like according to your hobbies, and then do some righteous causes, build bridges and repair roads, and so on.

If there is 100 million, I will donate it to the great and selfless party, and I will go to work and move bricks with great glory.

No, but I will do things, such as taking a few million to open a bubble tea shop or restaurant I like, and I am taking 80 million to deposit in the bank to earn interest, and the interest of 80 million a month is definitely a lot, and the remaining 10 million will be used slowly.

Yes. The value of people is to be realized through work, and at this time you can do the work you like, and it doesn't matter if you have less money.

No, I'll take it and travel until I have half a million left, and I'll come back and open a store.

I'm not going to work anyway.

I won't go to work to earn a salary of 200 yuan a day.

I don't feel like I can make a hundred million.

has 100 million, isn't it fragrant to be your own boss?

If I have a deposit of 10 million, I will buy a suite near my home first and then ......Work hard, and the rest of the loan will have to be repaid slowly!

Just kidding. But seriously, not working means financial freedom, and the bar for financial freedom is probably much higher than most people think.

Financial freedom. Not long ago, Hurun released a report that pointed out that in China, the threshold for wealth freedom is 50% higher than last year, with first-tier cities reaching 100 million and second-tier cities reaching 100 million. Hurun also said:

Interestingly, when you don't have financial freedom, it's easy to underestimate the threshold and think that 100 million and 95 million are enough. ”

Do you understand? Even if you are in a second-tier city and want financial freedom, you need 100 million, and 10 million is too much worse than 100 million.

In the same way, when you have a deposit of only 100,000, a deposit of 10 million is an astronomical amount for you, as if you can't spend it in a lifetime, but when you have a deposit of 10 million, you will find that if you want to integrate into the circle corresponding to this deposit and adapt to the consumption level of this circle, not only is it not okay not to work, but you also have to work hard.

When your annual salary is only 100,000, you will feel that if you deposit 10 million in Yue Bao, you can have 400,000 yuan of interest every year, and you can live well with interest. But if one day, you really earn 10 million by your own efforts, the circle you are in will inevitably bring you some better financial management ideas, such as:

It is impossible for people with high incomes to keep most of their money in Yue Bao, because the annualized rate of 4% is only a little higher than the bank's interest rate, and high-income people have many ways to manage their money much higher than this. And these financial management methods, people with low incomes may not understand (if they can understand, the income will not be so low);

A 4% annual return may seem high, but given inflation and m2 growth, your real asset increment may not be positive. In other words, considering the growth rate of the price level, ordinary financial management methods can actually only make your money depreciate a little more slowly, and it will not make you live better, an annual income of 400,000 looks good, but if you budget this every year, it will only get worse in the future. If you want to live well, you must have other income** to fight inflation.

Therefore, the idea that there is no work if there is a deposit of 10 million is too naïve.

So, the idea that you don't work if you have a deposit of 10 million is too naïve.