With 4 million deposits, I still feel very poor

Feeling poverty may be a matter of not only the amount of savings, but also of other factors. Here are some of the reasons that can cause you to feel poor:

1.Insufficient income: Even if you have a large amount of savings, you will still feel poor if your income is not enough to meet your living needs.

2.Liabilities: If you have a large amount of debt, you will still feel financially stressed even if you have a large amount of savings.

3.Spending habits: If you have poor spending habits, such as buying expensive items frequently or overspending, you will feel financially stressed even if you have a large deposit.

4.Underinvestment: If you don't invest enough to get an adequate return, then you will still feel financially stressed even if you have a large deposit.

5.Mentally: Sometimes, feeling poor may not only be due to economic reasons, but also due to a lack of self-confidence, uncertainty about the future, lack of purpose, etc.

If you feel poor, here are some things you can try to improve your situation:

1.Create a budget: Create a detailed budget that includes aspects such as income, expenses, savings, and investments to help you better manage your finances.

2.Eliminate Debt: Work to eliminate your debt in order to reduce your financial stress.

3.Change your spending habits: Change your spending habits to avoid unnecessary waste and overconsumption.

4.Increase your income: Improve your financial situation by increasing your income.

5.Increase your investment: Increase your rate of return by increasing your investment.

6.Seek help: If you feel mentally poor, you can seek help such as counseling or career guidance.

The most important thing is to create a detailed financial plan, including budgeting, savings, investments, etc., to help you better manage your finances and reach your financial goals.

If a family with a deposit of 4 million is placed in a first-tier city, it is a family with a medium standard of living on the premise of no debt.

Of course, the vast majority of people don't have so much money, and the vast majority of people are very poor, and generally one or two hundred thousand is very good, so there should be very few people with 4 million now.

This varies from person to person, for example: a deposit of 400,000 yuan in Beijing is definitely not much, but if it is in a third-tier small city, rural area or township, then a deposit of 400,000 yuan should not be considered poor. In general, the deposit of 400,000 yuan in which class and whether it is poor or not, is related to everyone's salary level and income and the region, if you can save more money, it is better to save more, after all, life needs money, no one will dislike more money.

4 million deposits can eat interest without going to work, and the current bank deposit base is negotiable interest, especially like your 4 million deposit, which is a large deposit. It is possible to achieve an annual interest rate of 3%, so that you can get 400 * 3% = 120,000 interest income a year.

1. How to manage the 4 million deposit.

1. To buy wealth management products, it is best to choose the four major banks to buy. If you are conservative, I will choose a risk-free, stable financial product. As long as you go to the bank, the asset management analyst will analyze it, so don't worry. Just understand your needs.

2. To purchase commercial insurance and choose a formal insurance company, you should understand the existing products and formulate them according to your actual situation. Medical insurance, accident insurance, and endowment insurance can also be purchased. Although this year's ** is not very high, it can indeed guarantee your life.

That is, you are responsible for your guardian.

3. Investment in real estate, which can be self-employed or pure investment, from the current form, real estate will not change much for the time being, so investment in this project is guaranteed.

4. Buy**, preferably buy**. For example, when the new shares are issued and sold, you invest tens of thousands of dollars to subscribe, and if you don't win the bid, the money will be returned to you directly, but winning the lottery is a good income.

2. Matters that should be paid attention to in investment and financial management include:

1. Pay attention to the risks

Investors must invest and manage according to their own ability, and general treasury bonds, currency ** and other financial products have low risks and low returns. The returns are high, but the investment risk is also high.

2. Allocate your own funds reasonably

Investors reasonably allocate their own liquidity and wealth management funds, and do not invest all their own funds for high-risk investments.

3. The terms of investment and financial management should be carefully examined

Before purchasing wealth management products, you should pay attention to the careful financial terms to see whether you can redeem in advance, whether you can redeem fees and other information.

Therefore, financial management can make money, but it has a lot to do with the amount of principal. At the same time, financial management can not make a lot of money overnight, and there are certain risks, but through investment and financial management, face up to your own view of money, manage cash flow, prevent unreasonable consumption, and yearn for a better life.

The vast majority of the mentioned poor people's thinking can basically be divided into two types:

One is that because their mindset is like this, they can only be poor;

The second is that because they are poor, their mindset can only be like this.

In fact, both of these statements are a bit specious.

For example, the difference between urban and rural areas, such as poor transportation, such as the heavy burden on families. In the vast majority of cases, if a person is poor, it is simply because he cannot escape the bondage imposed on him by the previous generation. It's not his mindset that's wrong.

In the same way, if a person is poor and his thinking pattern is poor thinking, then it is a bit of a causal reversal. For example, many friends say that poor people do not have the awareness of exchanging money for time and long-term self-investment, but the poor are indeed lacking money instead of time, and they can't open the pot next month, how can they ask them to make long-term investment and planning?

So, what is the biggest difference between the poor and the rich (not so poor) at the level of thinking?

I think it's a kind of information asymmetry.

As poor people, their limitations, such as being far away from big cities, not understanding the Internet, not understanding industry trends, etc., lead to an extreme lack of information. On the other hand, the extreme lack of information makes their thinking rigid, narrow-minded, and forward-looking, resulting in them maintaining such a state of life all their lives, and it is difficult for them to get out of poverty.

Many times, we feel that some of the commonalities that the poor have, such as being too eager for quick success, superstitious interpersonal relationships, blind impulsiveness, etc., are actually due to the joint effect of two mentalities: one is the insecurity of the current situation, and the other is the uncertainty of future expectations. The combination of the two causes the poor to place too much emphasis on immediate gains and to be wary of long-term, abstract gains that require a certain price.

And essentially, what about these two feelings? In fact, it is all about information asymmetry. The insecurity of the status quo is that you are not satisfied with the status quo, but you do not know how to change it; The uncertainty about the future is when you expect change but don't know how much risk it is and how to succeed.

I think you feel poor because you feel like you're feeling uncertain about the future.

It may be that the people around you are richer, sometimes it is just a feeling of comparison, or it is also possible that you have something that is not satisfied, or you simply want to get more. In fact, contentment is always happy, it is better to have it, and it is not bad to have it, cherish everything you have around you, be healthy, and be safe.

Normal phenomenon, less than the top, more than the bottom. This amount of money is not enough for interest compared to the rich.

Everyone's lifestyle is different, and the circle in which they live is also different, in the circle of the rich, you are not rich, you can be said to be poor, while in the ordinary population, you are a rich person, in front of the real poor, you are a rich man!

It means that you have not done financial planning!

Financial planning should take into account three factors: risk, profitability and liquidity.

Financial planning requires you to first analyze your financial situation, including your assets, liabilities, income and expenses.

Financial planning should have appropriate goals and long-term persistence and continuous optimization.

Depositing 44 million may bring a different feeling, depending on your background and experience. For most people, it is a considerable asset that can lead to a great sense of security and pride. You may feel very fortunate and grateful, and perhaps begin to think about how best to manage and invest in this wealth to ensure that it will lead to a better life for your future and the future of your family.

At the same time, you also need to pay attention to how to protect this wealth from being lost by unscrupulous traders or events of an unforeseen nature. In conclusion, it is a very special thing for anyone to have such a deposit and needs to be treated with caution.