Why are there so many people in today s society who are in debt?

Because these people have chosen to start a business in their lives, they are in debt, and the epidemic has been very serious in recent years. So it's a very difficult thing to start a business successfully.

Because these people spend money without a plan, earn less money, buy more expensive things, do not work, and have physical problems.

Income levels can't keep up with the price level**, leading to debt. In the same way, the advent of early consumption, such as car loans and housing loans, has left individuals and families in debt.

Some people say that it is caused by the laziness of young people now, in fact, this statement is too one-sided, the country is getting richer and stronger, democratic, civilized, and then the consumption level is improved, and the expenses are large, for example, in terms of comparison, others have cars and houses, why don't I have them, the principle of loans is to enjoy first and then suffer, and the east wall is demolished to make up the west wall, the pressure is quite great, but according to the current form, we are still happy in the 90s. According to data, the debt of the post-90s generation is twice the monthly income, and the per capita debt is as high as 120,000.

The post-90s economic situation Alexander, 70% of young people are in debt in installments, 20% of young people have not saved money, and 31% of young people borrow on more than 4 platforms.

The reasons for debt are generally as follows:

1. Major illness in the family, debts caused by family members, etc

2. Marriage expenses such as marriage room, bride price, etc., at present, the debt of most young people is nothing more than this situation.

3. Children's education, at present, some small and middle-class people try their best to enter prestigious schools for the better development of their children.

Private schools, or studying abroad at the junior high school level, this part of the cost is unacceptable to the average family, and such people will definitely borrow money in the later process.

4. The change of consumption concept and the uncontrolled development of Internet finance have caused some college students to become the largest debtor group in the Internet financial system.

5. The low income of wages and the increase in the cost of living in the society, the current wage growth is far lower than the cost of living, renting, living expenses, etc., so that most people have formed the thinking of spending tomorrow's money, although the society is progressing, but the hidden dangers also exist.

6. The investment business has failed, the company's operating costs have been increasing, but the overall profit has been declining year by year, and some store companies have been forced to close their doors, leaving them with a basket of debts.

Due to the fact that there are now many credit cards and Huabei that can pay young people for early consumption, and the wages in society are getting lower and lower, and the ** of consumer goods is getting higher and higher.

Perhaps it is because many young people nowadays are accustomed to spending in advance, and the way to consume in advance is also particularly convenient, so this situation has been caused.

Most people are in debt because of the rising standard of living, which incurs additional consumption. And if you can't keep up with your own salary, you will go into debt. To put it simply, there are three points, one is that the cost of marriage is high, not counting cars and houses, it will cost hundreds of thousands; Second, the garage is high, although some models are low, but when the living standard cannot keep up, tens of thousands of yuan also need to be loaned; The third is children's education, aside from tuition fees and make-up classes, which is also a large amount of expenditure every year.

For ordinary families, the first big consumption is the marriage of children, and the main cost here is the bride price.

and banquets。From the public level, the bride price is about 200,000 to 300,000 yuan, although some people will bring back some of it, but most of them are directly to each other. Now that people's living standards are high, it is not difficult to save two or three hundred thousand, but this time it will empty the whole family.

Next, there are various expenses, aside from the house and car, it will cost forty or fifty thousand yuan. Once you get married, you will empty your family, and at this time everything has to start from scratch.

The second big consumption is to buy a car and a house, and the car is high and low, and the ordinary 100,000 can be done. But after getting married, the family has been emptied, and the only option to buy a car is a loan. When the car loan is paid off, the children are also croaking and thinking about buying a house.

The young couple didn't have much money, so they could only let their parents take the down payment and then pay the mortgage together. Ordinary houses plus decoration, to say the least, cost seven or eight hundred thousand, and they have no savings, so they have added a loan for 20 years. During the repayment of the loan, it is also necessary to consider the education of children, and various expenses make modern people in debt.

In the past, people hated "gnawing the old people", but now everyone is "gnawing the old people". There is no way to do this situation, college students only earn three or four thousand a month in small cities, and they can't save much money without accommodation and daily expenses. The average person who graduated from college is about 21-23 years old, and they may get married in two or three years, and they can only spend their parents' money at this time.

It may be that the pressure of life is relatively high, the salary is not so high, and the demand for life is getting higher and higher, the housing price is more expensive, and most people buy a house through a loan.

Because many young people will overdraft their credit cards or other software to buy luxury goods they need, resulting in a situation of debt.

Because the price is in the first place, and the economic pressure is relatively large, many people want to borrow money to buy things, so they are in debt.