When you deposit less, do you feel insecure?

Now I have four dollars in my pocket, and I can go to school and buy a lot of snacks to eat, which is so happy, but I don't dare to spend money after less than four dollars.

Every month, I have to pay rent, water and electricity, and buy water milk, ** and makeup, and now that it's winter, I have to buy coats and winter shoes, plus I get together with the little sisters every three or five times, have a meal, go shopping or something. Life goes by.

I don't know why I don't know how I'm going to live next if I have less than 50 yuan, but I think money is too important.

My dad is a big money, I am a rich second generation, and I don't feel safe without 100,000 yuan on my bank card.

With more than 200, I can travel around the world, and now I can't make money anywhere in this society, I can go wherever I want, and I don't need to save money at all.

I have obsessive-compulsive disorder, I don't know what to do if I have less than 50,000 yuan in my bank card, and I think about it every day.

The money of our business people is critical to us, and if my company has less than one million in capital, I will definitely go out of business.

I'm like that, I spend as much as I have, and I basically don't have any savings.

About 10,000 yuan, no more, no less, so that I can still keep this money for emergencies, in case there is a bit of urgency, you say yes.

Because I came from the countryside, I have developed a good habit of saving money since I was a child, and I really dare not live without a little family background.

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 temporarily, the interest on this deposit can ensure the life 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, people now also have 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 that, but savings do not represent a sense of security, and people feel that retirement salary and medical insurance 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 having a deposit of 5 million will make me feel secure, because now the society is developing very fast, and the requirements for running a business are very high, and if the deposit is very small, there is no sense of security at all.

Tens of millions. Because I am an insecure person, I feel very relieved if I have more money, and only so much money will give me some security.

1 million. If I have so much savings, I feel very safe and can buy myself a house and a car in my life.

6 million. In this way, you can do some things you want to do, and you can also buy a house for your parents in life. You can solve some daily expenses, and you can also buy some things for your parents that your parents want.

How much money do we have to save so that we can feel secure? I don't think there is a unified answer to this question, different people have different requirements, and there are different standards.

First, the so-called sense of security is our ability to deal with risks.

It is like a city, the wider the moat and the thicker the walls, the safer it is for those who stay in the city. For a person and a family, it is generally believed that savings are the moat. The more you deposit, the wider the moat, the thicker the walls, and the stronger a family's ability to resist risks.

Two acres of acacia, different numbers just represent different classes, different groups of people.

It manifests itself in different needs. People who make up about 5% of the population belong to the affluent class, these people are the top rich, the winners in life, the top of the pyramid, they own 90% of the total wealth. For this part of the population, money is just a string of numbers, and money can no longer give them a sense of security, and the sense of security they need is that "money comes clean".

Third, there is also a part of the middle class, which is the mainstay of this society, accounting for about 25% of the total population.

All of them are social elites, and they have relatively high requirements for life, and they also need a wide moat. According to their quality of life and daily consumption, they need at least 50 million savings to calmly face sudden risks in life and gain a sense of security.

At the same time, this class is also the most at risk, we say that it is difficult to move from luxury to frugality, because they are accustomed to pampering and refinement in life. Once the risk comes, we are often at a loss, do not know how to face it, and are easy to go to extremes, and we often hear such unfortunate examples in life.

Fourth, there is another class that belongs to the working class, in essence, everyone is a laborer, and the working class referred to here refers to the low-end labor services with very low technical content.

This class makes up the vast majority, and about 70% of the population belongs to this class. This class is characterized by hard-working people, but the income is relatively low, and there are not so many requirements for the quality of life. This class itself does not have much savings, and the per capita savings may be only about 100,000.

The sense of security of this class does not come from money, but from optimism, self-confidence, family happiness, and filial piety of children.

Fifth, in the end, the sense of security that money can bring to me is showing a stage change.

If I push this different change forward, maybe a lollipop every day in kindergarten or a small packet of melon seeds every three days can make me feel safe. Money and security are in a different state and changing trend, especially as we get older, our desire for the security we need is getting stronger and stronger.

Written at the end: To sum up, no matter whether you have money or not, you have to live your life. If you have money, you will spend more, and if you don't have money, you will spend less.

Sometimes, money doesn't bring security. 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.