How much savings does a family have to live a well off life?

<> official data is well-off, with an annual income of 10-500,000 people. With the development and progress of society, the term "well-off" has gradually evolved into the so-called middle class. According to official statistics, in 2017, there were more than 400 million middle-income people, and the so-called middle-income people here are people with an annual income of 100,000-500,000.

In fact, the span of this income is a bit large, and there is a gap of about 400,000 yuan in the middle, Xiaopang thinks that the median value should be taken, that is, the annual income of 300,000 yuan can be defined as the well-off level. On average, it is about 30,000 yuan per month.

Now people's consumption concept has changed, so it may be debatable whether to reach the well-off standard, after all, many friends are accustomed to spending immediately when they have money in their hands, and the usual savings are not much, so it is difficult to measure whether the deposit is a well-off level, but in terms of the current situation, if there are not too many deposits, at least there must be a certain amount of fixed assets, so for friends in first-tier cities now, it may also have to reach the level mentioned above. can be called well-off.

The amount of savings in modern society is not indicative of the standard of living of a family. Some people have new houses and new cars, and their savings are only about 40,000 or 50,000 yuan; Some people have a deposit of more than 300,000 yuan, have an old house, and do not have a car......In this way, which one is richer when the two are compared?

Well-off level. It refers to the further improvement of the quality of life on the basis of food and clothing, and the achievement of abundant food and clothing. This requirement includes both the improvement of material life and the fulfillment of spiritual life; It includes not only the improvement of residents' personal consumption level, but also the improvement of social welfare and working environment.

Tier 1 cities. Cash deposit of 2 million, and continuous monthly income of 50,000 months, car, house, no debt, no guarantee, no disease, second-tier cities.

Cash deposit of 1 million, and continuous monthly income of 30,000 months, car, house, no debt, no guarantee, no illness, third-tier cities.

Cash deposit of 500,000 yuan, continuous monthly income of 10,000 months, car, house, no debt, no guarantee, no illness.

I think the well-off can be lower than the middle-class standard, before retirement to have: real estate 1 million unchanged, 100,000 car, education 300,000, retirement preparation 1 million, medical insurance.

100,000, 300,000 for vacation, a total of 2.8 million, simply divided by 30, and an annual income of more than 90,000 can reach a well-off. A family of three with an average monthly salary of 4,000 per husband and wife can be regarded as well-off. But plus parents, family of 5, if parents pension.

If you are not prepared, the young man has a monthly income of 8,000-10,000 to have the possibility of a well-off home.

Personally, I think that if a farmer family has a deposit of 500,000 yuan, it must be considered wealthy, looking around the rural life around me, there are almost no families with a deposit of more than 200,000 yuan, and families with more than 500,000 yuan are only very rare. A deposit of 500,000 yuan is deposited in the bank or some relatively stable financial products are purchased.

The interest for a year is also tens of thousands of yuan, plus some income from the family, it can be regarded as a well-off life.

Generally speaking, if the family has a deposit of two or three hundred thousand, in a sense, it may already be considered a well-off level, that is, relative to the vast majority of rural families. As for the 500,000 yuan deposit you mentioned, it should be said that in the rural areas belongs to the upper middle level, the deposit of 500,000 yuan is in the rural areas, if you simply rely on growing grain, you have to save 500,000 yuan, it can be said that it is almost impossible.

How much savings does a family have to live a well-off life? I don't think there's a standard number because everyone's standard of living is different.

The so-called well-off is just a vague concept, even if it is defined by some numbers or data, it is not actually applicable to everyone. From the perspective of Xiaopang, the so-called well-off, that is, while eating and cloning every month, and having spare money to travel, even if it is burdened with housing loans, car loans, etc., life will still not be stretched, which should be easier to achieve.

We don't have to deliberately go online for ourselves in life, all we need to do is to live our own lives. A small wealth is peace, that is to say, a standard of living that is less than the upper and more than the lower. Of course, as a young person, you should also save more money, only in this way can you reach the definition and standard of being well-off in your mind as soon as possible, and live this kind of life as soon as possible, isn't it?

Introduction: How much savings does a family have to have to achieve a "well-off life"? In the past, we used to call those families with a relatively comfortable living standard and a smooth daily life as well-off families.

The well-off may not have a more accurate economic figure to measure, mainly describing that people's living conditions will be higher than the general food and clothing line, and at the same time, it can also take into account our cultural and spiritual consumption life is more comfortable and comfortable, but in terms of the current economic development of the city, the threshold of the well-off in the first-tier cities is still quite high, at least there must be a suite or a fixed part of the assets, so it may be necessary to deposit more than 5 million, and for some second- and third-tier cities, The deposit may be about 3 million, even in some small cities, the deposit may need to reach millions to be enough, if you want to enter a well-off life, the minimum threshold is about 1 million yuan of deposit. Now people's consumption concept has changed, so it may be debatable whether to reach the well-off standard, after all, many friends are accustomed to spending immediately when they have money in their hands, and the usual savings are not much, so it is difficult to measure whether the deposit is a well-off level, but in terms of the current situation, if there are not too many deposits, at least there must be a certain amount of fixed assets, so for friends in first-tier cities now, it may also have to reach the level mentioned above. can be called well-off. Now even if they live and live in the countryside, their living standards have been greatly improved compared to the past, there are many friends living in the countryside have built their own two- or three-story small buildings, and friends in the city are still running for their own house problems, so when it comes to whether life has been at a well-off level, in fact, the standards of people in different places are not the same, in the first-tier cities, we must have a house to be able to call happiness, in the countryside can be said to be full of food and clothing, In addition, if you have some spare money in your daily life and can do what you like, you will feel very satisfied, so it depends on how much savings the family has to be considered well-off, and it is unreasonable not to include the geographical location of the family.

If living in a big city is really difficult, you can try to live in some cities with a slightly worse consumption level, first to ensure that your body is in a relatively healthy state, and secondly, to ensure that you and your family can be together.

This is a very interesting topic, depending on the opinions. I think it should be 150,000 yuan+! <>

The crux of this question is how to define the "average family", as the name suggests, the average family should be on average. In other words, there are at least average or higher families in the local area.

So, how much should the average household save? There will be no statistical answer to this, because each of us has different cognitions, and the income of our personal circle is also different, so it will vary greatly. So, is there a way to come up with an answer?

Some! The statistics speak for themselves:

According to the data of the central bank, as of the first quarter of this year, the balance of household deposits in China was one trillion yuan, and if it is calculated according to the population of 1.4 billion, then the per capita deposit is 10,000 yuan. <>

The problem is that the average is distorted, because the average of the 5% of the rich people has hundreds of thousands of savings per capita, and the remaining 95% of the people are averaged.

Therefore, I personally think that in terms of per capita deposits, it is about 20% off. Then, 10,000 yuan, that is, about 50,000 yuan per capita.

Then, according to the most common family structure, that is, a family of three, a family's savings should be 150,000 yuan. If there is a family of four, a family's savings should be 200,000 yuan, and so on.

However, don't look at the number of 150,000 yuan, which is not a big number, it is still necessary to divide the region and city, for families in Beijing, Shanghai, Guangzhou and Shenzhen, 150,000 yuan may not be nothing, and it can be easily reached. <>

However, for the majority of third- and fourth-tier cities and counties, especially rural families, it is difficult to have a deposit of 150,000 yuan, and many families cannot reach it.

But this just shows that the number of 150,000 is neither high nor low, although many people can't reach it, but they can achieve it with hard work.

I think that for well-off families, the savings should generally be between 100,000 and 200,000 yuan, ordinary families are less than 100,000 yuan, and the richer ones may be millions.

For ordinary families, life is now more stressful, so many families not only do not have savings, but will have a lot of loans, and most families are between 50,000 and 100,000.

The amount of savings in a household is related to the individual's ability. In our third-tier cities, the average household has about 100,000 yuan in savings.

Chinese love to save money and do not like to spend money, the vast majority of normal salary families generally have tens of thousands of deposits, of course, this is the public level, there are many poor, and there are many rich.

Generally speaking, if it is a very ordinary family, the deposit is between 200,000 and 400,000.

It depends on the place. I am an eighteenth-tier coastal city, an ordinary family, with a family deposit of about hundreds of thousands, no foreign debts, and two suites.

A well-off family is not a rich life, it can only be said that there is a sense of happiness in life, and there is still a certain distance from a rich life.

1. Wealthy families:

China's middle class with investable assets between US$100,000 (about 630,000 yuan) and US$1 million (about 6.3 million yuan) for individuals.

Colony. A large part of this population is colloquially referred to as "senior white-collar workers". Among them, personal investable assets include liquid assets held by individuals, such as cash, deposits, bonds, insurance and other financial financial products.

and investment properties held by individuals.

Second, the basic buried beam standard of the well-off is set as:

1. It is per capita GDP.

More than $3000. This is to build a moderately prosperous society in all respects.

The fundamental sign.

2. It is the per capita disposable income of urban residents of 10,000 yuan.

3. The per capita net income of rural households is 8,000 yuan.

4. It is Engel's coefficient.

Less than 40%.

5. The per capita housing construction area in urban areas is 30 square meters.

6. It is the urbanization rate.

Up to 50%.

7. The computer penetration rate of residents' households is 20%.

8. It is 20% of the university enrollment rate.

Nine is the number of doctors per 1,000 people.

Tenth, the minimum subsistence guarantee rate for urban residents is more than 95 percent.

A well-off family is just a source of satisfying affluent life. Wealthy families just need better asset allocation, but also have a cultural atmosphere, only dust or for the sake of material life that is well-off, but also the pursuit of cultural life, that is petty bourgeoisie, regardless of whether it is well-off or petty bourgeoisie is a very good life we must cherish, because we are already very happy.

It's not rich, it should be said to be abundant.

Summary. Families with an annual family income of 80,000 yuan to 150,000 yuan are considered well-off families.

Families with an annual family income of 80,000 yuan to 150,000 yuan are considered well-off families.

Moderately prosperous family standard: solve the problem of food and clothing, material life is satisfied, and spiritual life is enriched to a certain extent.

1. Don't worry about food and clothing 2, have a house and a car 3, cash or demand deposit of about 100,000 yuan 4, fixed deposits can cope with major events, such as marriage, serious illness, etc., about 300,000 yuan. 5. The relationship between husband and wife in the family is good, the brothers and sisters are harmonious, and the education of children is a big problem.

The well-off represents the middle class, representing the middle wealth, including material wealth and spiritual wealth, which refers to the most basic "physiological needs and security needs" to be filled, and the medium-level "emotional needs and respect needs" can also be better to meet, but not yet the pursuit of high-level "self-realization needs" people; This kind of filial piety family is called a "well-off family".

Summary. According to the calculation of a family of three, assuming that all three people have normal working capacity, the total savings of the three people is 10,000 yuan * 3 = 10,000 yuan. In other words, the household deposit is 10,000 yuan.

In addition, according to our calculation standards, a family of three can save 10,000 yuan in one or two years.

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According to the data released by the central bank, the balance of Chinese residents' deposits in 2019 was one trillion yuan. According to the statistics of 1.4 billion people, the average deposit of people is 10,000 yuan. Then the figure of 10,000 yuan is a normal standard.

According to the calculation of a family of three, assuming that the three of them have the ability to work in a regular book, the total savings of the three people is 10,000 yuan * 3 = 10,000 yuan. In other words, the household deposit is 10,000 yuan. In addition, according to our calculation standards, a family of three can save 10,000 yuan in one or two years.