Young people earn a lot or are they poor, why

The main reason why young people are getting poorer is because of advanced consumption. Now as long as people have a mobile phone, many problems are solved, which is particularly convenient. Sometimes you don't have money in your mobile phone and you can use Huabei, credit cards, etc. to spend.

In this way, the money has not been earned and consumed in advance, and the money is repaid first, and there is no money to continue to borrow, because it is easy to borrow money and convenient to consume, a vicious circle has been formed, resulting in the situation that the more you consume, the more you have no money. In addition, now young people have more only children, and no matter what the family conditions are, parents will do their best to give the best to their children. I don't know how to be thrifty when I eat and wear, as long as I open my mouth to ask for it, parents will give everything to their children, because of this, children can't experience the hard work of their parents to earn money, and they don't care about the consequences.

How many people are burdened with the pressure of car loans and housing loans and survive in the cracks, just for a face, countless people have entered the abyss of repaying debts, and still owe money to the bank to death, are these really useful, and there are entrepreneurial failures, they have no choice but to work to earn money to pay off debts, they have no choice, their heads are hot, the business is not successful, and they create a bag, this is the makeup of young people now, blindly following the comparison. If you have money, you will spend it, and if you don't have money, you will have to spend it. Today's young people have lived happily since childhood, and when they grow up, they really spend money like flowing water, and they can't save it as long as they have money in hand.

Advance consumption, borrow money when you have no money to spend, use software that can borrow money, borrow money and repay it backwards every month, and spend a lot of money on interest alone. Comparison, strong vanity, looking at what good things others have bought, you have to find a way to have it, otherwise you feel that you are lagging behind and worse than others! Have been working hard to make money must be better than the original economic conditions, why are you still poor, then you have some savings through your own efforts, because the economic conditions have changed, sure your ideas and pursuits are changing with the times, so even if you make money and have money, people are still not satisfied with this mountain looking at that mountain high, and even more so, even if you pay hard work to earn money, your heart begins to swell and profligacy.

Because young people nowadays drive very big, need to sell clothes to go out to eat, carry out some entertainment activities, and if they work in other places, they also need to pay rent and water and electricity bills, so young people nowadays earn more and can't save money at all.

Without a good financial management, after earning money, you will spend money, and you will not save money, and in the end, even if you earn a lot of money, you will always feel that you are very poor and have no savings.

Young people don't know how to allocate money reasonably, earn more and spend more, and don't pay attention to their own expenses, so they are still relatively poor when they earn a lot of money.

Because the consumption of young people is very high, young people have to socialize and repay loans, and there is not much money left every month.

It is because there are many young people who spend money lavishly, they do not have the right concept of money, and they often buy some luxury goods, so they are very poor.

This is because young people earn a lot, and the water banquet they usually consume in the Mola calendar is also very high, and they buy a lot of things, so they are still very poor.

Even if you make more money, you will spend more money on yourself, and a large part of the troubles will be used to improve the quality of life, and it is also related to people's consumption concepts.

In recent years, more and more people in society, especially young people, are facing economic pressure and life difficulties. Many people feel that they are getting poorer, and this phenomenon is more common. Here are some of the reasons:

1.Increased educational burden: In modern society, more and more emphasis is placed on academic qualifications and certificates, and many young people spend a lot of time and money in order to obtain a better education and career development.

With the improvement of the quality of education and the continuous improvement of the threshold of the college entrance examination, going to college has become a necessary choice for many families. However, the cost of tuition, accommodation and other expenses is very expensive, which increases the financial pressure on young people.

2.Housing prices are on the rise: In big cities, buying or renting a house can be extremely expensive. Young people often don't have enough savings, and bank loan interest rates are high, resulting in a heavier burden.

3.Marriage pressure: Despite the diversity of society, most people still want to have a happy family.

However, getting married and having children are both very expensive, especially if you are buying a property. The pressure and cost of marriage and love are considered high by many people, which leads to a lack of funds for young people.

4.Changes in consumption concepts: With the improvement of living standards, consumption concepts are also quietly changing, and young people are more inclined to pursue quality and experience, and are willing to invest a lot of time and money in this regard.

At the same time, young people's consumption patterns are becoming more and more diversified, such as spending on tourism, culture and entertainment, communications, etc., which has led to an imbalance between income and expenditure to a certain extent.

5.Low salaries: Despite the increasing level of economic and social development, the income of most young people has not been well raised.

Some emerging industries and occupations pay relatively well, but they also have a lot of work pressure, long working hours, and additional study costs to stay competitive. Therefore, low income is also one of the reasons for the lack of wealth among young people.

In short, there are many reasons why young people are getting poorer, including economic pressure, education burden, marriage and love pressure, high housing prices, changing consumption concepts, and low salaries. In order to solve this problem, society should call for improving the socio-economic environment, increasing educational opportunities, reducing the pressure of marriage and love, etc., and encourage young people to cultivate good financial habits and consumption concepts, and improve personal income and financial freedom.

But there is indeed a kind of such young man. He's working hard, there's no doubt about it, with a fixed salary every month**. However, it seems to be a very difficult thing to save money every month, and it is basically impossible to make any deposits.

Why? In fact, it is directly related to the consumption concept of young people. Like some young people, in fact, in the course of his career, including his own teenage school, he did not experience any poverty and suffering.

Therefore, I don't know how hard it is to make money.

Moreover, the development of some young people's professional careers is also relatively smooth. I didn't encounter big twists and turns, and I didn't encounter the problem of salary cuts and layoffs, so I always thought that the salary to the card every month was a matter of course, and it was very easy, so I didn't realize the difficulty of making money, so this was cast, and they actually didn't have the idea to make themselves thrifty in the process of consumption. So over time, a vicious circle is formed, and you can spend as much as you earn, which belongs to a typical moonshine family.

Of course, I think this kind of moonshine family is quite good, because at least there is no problem of personal debt. But in addition to such moonshine families, there are many young people who have high personal debts. For example, if you have a consumer loan installment loan, then such a high amount of personal debt requires you to use your monthly salary to effectively repay it, so it is very difficult to save money.

It is necessary for us to reduce such a kind of consumption in our own consumption installments, then you can reduce the consumption installments, and I believe that it is only a matter of time before you save money in the future.

Of course, there are also some young people who may be burdened with car loans and housing loans in addition to the so-called consumption installments. For example, if your mortgage is 2,000 yuan and your car loan is 1,000 yuan, then you need to spend 3,000 yuan on time and on point every month. And your actual monthly income is only 5,000 yuan, so it is conceivable that a large part of your income needs to be repaid, and it is naturally very difficult to save money.

This is all a harm to capital, or it is guaranteed to work in a state-owned enterprise.

Today's young people are indeed getting poorer and poorer. One of the reasons is that work is becoming more stressful and the cost of living is getting higher; There is also the reluctance of today's young people to lower their standard of living.

Today's young people are getting poorer and poorer, mainly because they can't save money and are under more pressure to repay loans, so they don't have enough money to spend and are getting poorer.

For this problem, we cannot simply think that young people are only caused by low income and making ends meet, but also have a lot to do with their investment and financial diversification and consumption habits.

Even if the income is higher, it will be offset by the high housing prices. According to the statistical report on wage levels of authoritative institutions, in 2018, the per capita annual wage of employees in urban non-private units was 82,461, and the average salary of employees in private units was 49,575. In the first-tier cities, even the per capita consumption level of Beijing, Shanghai and Guangzhou is 5-70,000, and the per capita consumption expenditure of cities and towns in the country is 10,000.

At the moment, our biggest expense is still the purchase of a house, that's the consensus. For example, in first-tier cities, housing prices have been as high as 5-100,000 per square meter, and even a small apartment of 60 square meters needs at least 3 million. According to the per capita income of 80,000 yuan, it takes at least about 40 years of savings without eating or drinking, and 20 years for dual workers, even if you give a down payment, you need to save for 6-7 years.

Therefore, under the high housing prices, most young people are burdened with mortgages and other debts, and a report by HSBC pointed out that among the post-90s who have worked, the average debt per capita is 12+, which seems to have a certain basis. Therefore, it is true that there are not many young people who can have a balance in the bank.

Second, young people's investment and financial management are no longer limited to bank deposits. It can be said that young people do not have much savings, but it does not necessarily mean that they do not have savings, but they do not necessarily choose to have bank deposits. First, bank deposit interest rates are low and liquidity is poor; Second, in the current Internet+ era, there are many investment and financial management channels, unusually rich product lines, and more room for choice.

For example, Internet wealth management platforms such as Alipay Coin Pass not only have a much higher rate of return than the bank's current deposit interest rate, but also are extremely convenient and fashionable in terms of consumer payment. According to the data, the number of Yu'e Bao users has reached 600 million, with a total scale of 2 trillion and an average balance of 3,300 per capita. But at the same time, it can be seen that young people do not have much spare money, showing a small state.

In addition, young people's incomes do not match their expenses, and bosses are reluctant to pay their employees high wages, which can be said to be "exploiting" employees.

Young people are also adapting to such an environment, and it is obvious that the expected salary of college students in recent years has been declining.

Revenues are less, but expenses are increasing.

In addition to high rents, young people are looking for a high quality of life.

A cup of Starbucks coffee is at least 30 yuan, and a similar lunch is also about 20 yuan, brand-name bags, brand-name cosmetics, etc., which are all a lot of expenses.

The monthly salary is generally very small at the end of the month.

Even with a monthly salary of 8,000, life in Beijing is not very good.

It is impossible for young people from outside to buy a house in a big city, and the soaring housing prices are not enough for outsiders to have a home in a big city, and it is difficult to consider getting married or something.

You may want to say that young people can work hard and get promoted and raised, but the workplace still belongs to "middle-aged", and it is difficult to get promoted.

There is a well-known theory called the "28 Theory", 20% of the people hold 80% of the wealth, and most young people are in the 80%.

The reason why young people are getting poorer and poorer now, you will understand after reading it! (That's a good point).

Second, the poor mindset.

Since there are objective reasons for unfair social opportunities, there must be subjective reasons:

poor thinking".

Say you can do it, you can do it; Say you can't do it, you can't do it".

This sentence is a good illustration of the power of mindset.

Many young people do not pay attention to time, do not have a good sense of time, and work efficiency is low.

Often, they are unable to complete tasks during working hours and have to work overtime to complete them.

There is also a sense of excellence in overtime, as if he is very capable, but in fact, he has not managed his time well and is "poor".

Off-duty time is used to improve oneself, you can develop your hobbies, you can study your current field in depth, and you can be "fine" and "deep".

There are also self-imposed limitations, and there is no confidence to get rich.

After listening to Jack Ma's speech, you know that he is an extremely confident person.

There was a news before, interviewing Ma Yun's former neighbor, and he commented on Ma Yun: He is not tall, and when he speaks, he is very confident.

What young people lack now is self-confidence in the future, blind and satisfied with the present, in fact, it cannot be said to be "satisfied", or a kind of drift that cannot change the status quo and has to adapt.

They also sometimes complain a lot, complain about the company, complain about society, and despite the existence of social injustice, it is useless to complain.

The reason why young people are getting poorer and poorer now, you will understand after reading it! (That's a good point).

Compared with your parents' generation, the money you earn may be several times that of theirs, but the times are changing, and prices are skyrocketing**, but when you are young, it doesn't matter if you are poor, what matters is the direction of struggle, as long as you have confidence and continue to work hard, you will definitely have a successful day.

I hope that after reading this article, you can think about your future life.