How much do you think you need to be safe?

I'm not as dependent on money as Grande the Scrooge in **, and that kind of life has no meaning, let alone any sense of security. Money is not the only way to bring people a sense of security, only money people may not have a sense of security, this problem itself is problematic, if I am a born insecure person, then you give me more money may not be able to have a sense of security, because there are too many ways to make people feel insecure, the sense of security itself is a relative concept, not an absolute concept, people with tens of millions of assets will worry about tomorrow, Conversely, those who are penniless may not be less secure than others.

If I now let me describe the number of words in the expected deposit, I think that with my current living environment, there should be at least 1 million deposits to make me feel more relaxed, I am now a person with a mortgage and a car loan, I am not free, and I often need more money to support if I want to have more freedom, if I can make my deposit 1 million now, then this 1 million may no longer be at my disposal between the turns, it needs to repay the mortgage and car loan, As well as as the education of children, as well as their own pensions, etc., there are always a lot of uncertainties waiting for us in life, and it is precisely because of this uncertainty that we lack a sense of security, and the sense of security must be obtained by looking inward, not through external money.

To be honest, I am an insecure person, living in a single-parent family since I was a child, until today I am also a person who is afraid of loneliness, before getting married, I will be lonely in the dead of night and want to cry, and today I have my own family, and it is the family and children that can support me as a spiritual pillar, I work hard to make money not to be able to have a sense of security, but for my family to have a sense of security.

To sum up, deposits and security are likely to be two different things, and no matter how much you deposit, you may be worried about the uncertainty of tomorrow.

Let's divide the situation. If the mortgage has been paid off and the car is available, then I can feel at ease with about 200,000 yuan. But if you haven't paid off your mortgage and haven't bought a car yet, you should at least save enough money to buy a car.

I feel that I have a deposit of 2 million to feel safe, because a deposit of 2 million is enough to deal with any unexpected eventuality. It's a pity I didn't.

I feel that I will only feel secure when I have a deposit of 2 million, because there will be many accidents in life, my family will get sick, and it will cost a lot of money to get sick, so I will have medical treatment for the elderly. Go for it!

I think it takes at least a deposit of more than 100,000 to be safe. Because the current economic level is not as good as before, 100,000 yuan cannot start a business or invest, that is, sick or have something important to use for emergency.

If I buy a house and a car, I feel very secure if I have a few million dollars in the bank.

This depends on your own consumption.

In the case of having a house, a car, no loan, a stable income, and five insurances and one housing fund, I feel that the source sales can cover the daily consumption of the family for 5 to 10 years.

In fact, the question of how much money you need to have a sense of security has nothing to do with numbers, as long as it is reasonable for you to be able to support a stable life. A netizen agrees: If you don't work for half a year, your life can still run as usual, including your mortgage, car loan, and credit card can be repaid normally, then you have a certain degree of security.

At the moment of the epidemic, many people have lost their sense of security because of insufficient savings, and have become extreme or even collapsed. If there is anything you have to do after the epidemic is over, saving money must be an indispensable one.

The pandemic has awakened our importance to health, and at the same time, it has awakened our awareness of savings. After all, deposits also represent our ability to resist risks to a certain extent. At the moment of the epidemic, we are all in the stage of closed management, and many people are in a situation where they have no income, and some of them also need to bear the pressure of rent, mortgage, car loan, etc.

Life and work may be temporarily suspended, but these will not be suspended because of this, and if you don't have enough savings, it will be a bit difficult.

In the face of all unknown difficulties, "there is money in your pocket, and there is no panic in your heart", only by insisting on saving money can you truly give yourself a greater sense of security.

Personally, I think that the amount of a person's or family's safe deposit should depend on the individual's actual situation; According to the daily wealth management standards of Ziqin Yan Hongjin, the disposable deposit capital can be maintained at a level that can be maintained in the normal life of an individual or family without cash inflow for 6 months.

How much money you have, or how much you can save to feel secure, varies from person to person and depends on factors such as each person's income, expenses, lifestyle, and risk tolerance. However, in general, it is recommended that everyone should save for at least three to six months of living expenses on top of their growing savings for a rainy day. In other words, if your monthly expenses are $5,000, you should have $15,000 to $30,000 in savings.

That way, if you lose your income at work, you'll have a period of time to save to make ends meet.

Of course, if your income and expenses are higher than your old age, you may need to save more to make sure you feel secure. In addition, it is recommended that while saving, you should also consider investing part of your funds to improve your financial situation and assets. Investment needs to be determined according to personal risk tolerance and investment goals, and you can choose low-risk financial products or higher-risk investment channels.

The most important thing is to make sure that your investment risk is controllable and don't put all your eggs in one basket. There are several factors to consider in order to ask for this question, including an individual's income, expenses, lifestyle habits, career stability, family status, and more.

How much do you think you can save to feel secure? In my opinion, only those with at least 10 million deposits in first-tier cities and at least 5 million in second-tier cities will have a sense of security. And it's based on owning a property.

Because the first thing we have to think about is that if you are unemployed or sick and cannot work, then the interest of 5 million a year is almost enough to provide a family's annual income, which is the minimum guarantee in the worst-case scenario.

First of all, if we take the standard 5 million deposit in a second-tier city, the annual interest of this money is almost between 150,000 and 200,000, which is basically the annual income of a family. Even if you are unemployed or sick and cannot work for the time being, the interest on this deposit can ensure the livelihood of a family. If you are in a first-tier city, the cost of living is also very large, and you generally need more than 10 million deposits to survive.

After all, in addition to living expenses, there are also medical expenses, education expenses, housing loans, car loans and other loans.

Of course, different cities have different requirements for savings, if you want to be in the fourth and fifth tier cities, three million can guarantee a family life, and in the seventh and eighth tier cities, one million is enough. For most people, insecure people live in first- and second-tier cities, mainly because cities are developing faster and life is more stressful. So there is no need to continue to talk about cities with lower living standards, because they also do not lack a sense of security.

In fact, different people have different views on security, and there is no standard answer. Some people even feel that no matter how much money they have, they will not feel safe, because they cannot withstand the dilution of inflation, and in 10 years, the purchasing power of deposits will be at least 70% lower than now, and the purchasing power of the renminbi will be less and less than before. Not only is it funny, but savings do not represent a sense of security, and people feel that retirement salary and medical security make people feel more secure than savings.

It can be seen that our sense of security may not only be the first deposit, but should be combined with other guarantees, so as to improve the real sense of security.

I think that in the case of having their own fixed housing, with more than 10,000 deposits in first- and second-tier cities, and more than 5 million deposits in third-tier cities, the stuffy faction can basically achieve financial freedom.

Of course, the premise is that there is no serious illness and the consumption is not too extravagant. Such a tassel deposit can basically guarantee basic daily life.

A well-known celebrity once said that when he saw that he only had 1 million left in his bank card, he felt very panicked. However, 1 million is so out of reach for most ordinary people, and they may not be able to save so much money in their lifetime. If an ordinary person has a deposit of 1 million, will he not panic?

Obviously not, but full of security.

So, for different people, how much to deposit to feel secure, there will obviously be different answers. It should be related to the following factors.

One is the level of spending. Obviously, the more people who spend, the more they want to feel secure by saving, and the more savings they need.

The other is the level of income. The more you earn, the better you can live and the better you can live, so you don't have to rely on savings to feel secure.

And then there's age. The older you get, the more you are likely to spend, and the anxiety of losing your income due to unemployment means that you need to have more savings to feel secure.

Because of this, some people are still panicking even if they have 1 million in their bank card, while some people feel that if they can have 1 million, they don't need to panic even if they lie flat.

For example, when a person has no money, it is easier to get satisfaction, and he may feel that he can get a full sense of security if he has tens of millions of pants in his bank card. But when he really has 1 million, maybe he won't think so.

Because as one's wealth grows, one will inevitably pursue a higher quality of life, and therefore expenses will inevitably increase with it.

And for a person, it is easy to go from frugality to luxury, but it is difficult to go from luxury to frugality. This is not only a question of survival, but also a question of many social relationships. Therefore, once you get used to the extravagant life, you want to maintain it no matter what, so you need more savings to gain security.

Again, it depends on the development of the times. The more the times develop, the richer the material and spiritual culture, the more people need, so they need to have more savings to meet the demand. And only when you can get enough satisfaction of your own needs can you get a sense of security.

In addition, with the development of the times, the price level is also rising, and the same amount of money will become less valuable, which will also deepen people's sense of urgency to accumulate wealth, and they need to have more savings to gain security.