How much money can an average family save in a lifetime? Do you know?

The amount of money that an average family can save in a lifetime is about 200,000 to 400,000 yuanAccording to the per capita deposit balance released by the central bank of our country, this data can be obtained, and the data released is 10,000 yuan per capita, for the vast majority of ordinary families today, most of them are 3 to 6 families, that is to say, the per capita savings of the family are about 200,000 yuan to 400,000 yuan, of course, this data is average data after all, and it does not fully explain the reality. In reality, for the vast majority of families, they do not meet this standard, after all, the assets held by the head rich are too huge, so that the average data is far greater than the majority, in fact, for the vast majority of families, more than 100,000 deposits are already more than half of the families. <>

How much savings an average household can have depends mainly on two aspects, one is family income, and the other is household expenditure. With the rapid development of the economy, the domestic per capita income has been greatly improved, but the same, per capita expenditure has also increased, it is reported that China's per capita disposable income in the past two years is about 50,000 yuan, if the per capita disposable income of 20 percent is stored, the average number of people in each family is 5 people, that family can store about 50,000 yuan a year, according to the main members of the family working time for 30 years, theoretically speaking, Ordinary families can have a deposit of about 1.5 million yuan in a lifetime. <>

Unfortunately, the above calculations are only theoretical, for the vast majority of families, their income is mostly offset by expenses, and some families are even overdrawing their future wages in advanceObviously, for some families, not only do they have no savings, but even negative equity, of course, this does not mean that their living standards are very poor, but their savings are indeed not, but their family's income has been used for expenditure, even if they have a little savings, it is just for emergencies, after all, there are elderly people and children at home, they have to leave some preventive funds, of course, the amount of this amount will not be too large. <>

All in all, the money that an ordinary family can store in a lifetime is not a fixed value, after all, the situation of each family is different, and when everything goes well, storing hundreds of thousands is what most ordinary families can do, but unfortunately there are often accidents.

I know that I can save about 1.5 million yuan in a lifetime, and after removing daily expenses, the annual savings can reach about 50,000 yuan, and according to my 30 years of work, I will eventually have 1.5 million.

This is known, because ordinary families may only save 300,000 to 500,000 yuan in a lifetime, directly because deposits are rare, and their consumption is relatively not lower than that of rich people.

Ordinary families can only save five or six hundred thousand yuan in a lifetime, and it will not exceed 1 million yuan at all. Because I have to pay off the car loan, the mortgage, and I also have to educate the children.

If the husband and wife both live in second- and third-tier cities, the overall income level may not be as high as in Beijing, Shanghai, Guangzhou and Shenzhen, so we take 5,000 yuan as the standard, which may be higher for third-tier cities. If the income of both husband and wife is the same, then the annual family income is about 120,000 yuan, and there is no house or car, then it should be easier to save about 30,000 yuan a year. Of course, if you buy a house and a car, it is relatively normal that you can't save money.

The overall income level of the fourth and fifth tier cities is even lower, most of the income is about 3,000 yuan, we take this as the standard, if the income of both husband and wife is the same, then the family's monthly income can reach 6,000 yuan, a year is 10,000 yuan, no house and car, saving 10,000 yuan a year should also be possible, if you buy a house and buy a car, this income level should not think about saving money.

How much does an average family have to save in a year to be considered normal?

According to the data released by national statistics, the average annual salary of employees in urban private units reached 53,604 yuan in 2019. If you don't buy a house or a car, it should be normal to save 30,000 yuan a year. Therefore, if you calculate it according to the national average standard, it is normal to save 30,000 yuan a year, less than 30,000 yuan is considered a failure, and more than 30,000 yuan is better.

Of course, in reality, many people's incomes are below the average standard, so there may not be many families who can save 30,000 yuan a year.

To sum up, how much money can an ordinary family save in a year, there is no only standard answer, this depends on the cost of living in **, the family's consumption expenditure and other various living costs, each family's situation is different, so there is no way to give a correct answer, I think as long as a family's income can meet the needs of daily life, not too much pursuit of luxury life, how much money can be saved every year is normal, what do you think?

According to the calculation of a medium-level family, it is normal to save about 8 to 100,000 yuan a year, and if it is less than 8 to 100,000 yuan, it is a low-level family.

It is normal for ordinary families to save 20,000 yuan a year, and I think this amount is already very amazing, there are many young people who belong to the moonlight clan, and it is already good if there is no famine every year.

This depends on where you work and how much you earn each month, how much do you save each month? If your income is high, you can save a little more every month, according to what you said, now you save more than 1,000 yuan a month is a lot, he has to determine according to your own income.

Personally, I think that an ordinary family needs to save 50,000 yuan a year to be considered normal, and the net profit or net income must exceed 50,000 yuan to be able to maintain a normal life. Daily life, consumables, education, medical care and other miscellaneous expenses. If you can't save a little money every year, you will definitely be at a loss in the event of a major accident.

When it comes to deposits, the more the better. As for how much savings a working-class family has, I think it depends on the city you are in, and different cities have different wages and living standards, and the deposit requirements are also different.

For first-tier cities: taking Beijing, Shanghai, Guangzhou and Shenzhen as an example, the average salary level should be able to reach seven or eight thousand, as a working-class family, the husband and wife can earn up to 156,000 yuan a month, deducting various expenses, the remaining 5,000 yuan per month should be reasonable, and saving 60,000 yuan a year is about the same.

For second- and third-tier cities: the majority of second- and third-tier cities, the overall salary is relatively low, taking my city as an example, second-tier cities, the average salary is about 5,000 yuan, working-class families, the monthly income of the husband and wife is about 10,000 yuan, after deducting family expenses, there can be two or three thousand left every month, and about 30,000 yuan a year should be about the same.

For fourth- and fifth-tier cities: fourth- and fifth-tier cities and the counties and cities below them, the salary is generally not very high, taking my hometown county as an example, the average salary is about 3,000 yuan, and the average salary of the husband and wife is about 6,000 yuan.

National average.

According to the data released by the National Bureau of Statistics, the average salary of private enterprises in China in 2018 was 49,575 yuan, calculated according to the husband and wife, the annual income is about 100,000 yuan, and the current normal family can save 30% of the income a year is a more reasonable level, so according to the national level, it is more reasonable for the working-class family to have about 30,000 yuan left a year.

At present, most of the working class families can save money every month, because most of the income is used to pay off the mortgage, and after deducting living expenses, there are no longer a few families of the moonlight family. As of 2018, China's household deposit balance is one trillion yuan, and according to China's current population, the average per capita deposit is only about 50,000 yuan, and the 50,000 yuan is not saved in a year, but from the day you start working to have an income to the present 50,000 yuan. You can see how difficult it is to save money now.

Because each family or each member of the family has different consumption views and daily living costs, it is impossible to give an accurate amount to judge whether it is reasonable. I believe that as long as you can meet the needs of daily life, it is very reasonable to put aside a part of your money every month as a deposit for a rainy day, as long as you can meet the needs of daily life, and not to go overboard with luxury things while maintaining quality.

If you are in a first-tier city, the cost of living is relatively high, and their income is relatively high, excluding all expenses, it is generally reasonable to save 300,000 yuan. Third- and fourth-tier small cities generally save 100,000 yuan a year, which is very reasonable.

It is reasonable to save 150,000 yuan a year. According to the monthly salary of 8,000, the balance of the two laborers, excluding living expenses, should reach 150,000.

About 80,000 yuan, because we also need money to provide us with some of the beginning of daily life, so saving about 80,000 yuan can make your life live well in the future.

When it comes to deposits, the more the better. As for the working class.

I think it depends on the city you are in, and the salary and living standard are different in different cities, and the deposit requirements are also different. For first-tier cities.

To the north, to Guangzhou, Shenzhen.

For example, the average salary level should reach seven or eight thousand, as a working-class family, the husband and wife can earn up to 156,000 yuan a month, deducting various expenses, it should be reasonable to save 5,000 yuan a month, and save 60,000 yuan a year.

Extended Materials. 1. Deposit refers to the depositor's temporary transfer or storage of funds or currency in a bank or other financial institution under the condition of retention of ownership, or the temporary transfer of the right to use to a bank or other financial institution, which is the most basic and important financial behavior or activity, and is also the most important credit fund of the bank. Deposits are one of the most basic operations of a bank, and without deposits there is no loan, and there is no bank.

In terms of the time of generation, deposits predate banks. In the Tang Dynasty, there were cabinets in China that specialized in receiving and keeping money, and depositors could pay money with "stickers" or other tokens similar to checks. The money changers that appeared in Europe in the Middle Ages also accepted money deposits from customers, which were in the nature of money custody, did not pay interest, and were foreign bank deposits.

The germ of the business. With the advent of banks and other financial institutions, the deposit business of banks has developed rapidly.

2. In terms of specific operations, you may wish to adopt an ingenious method. You can save the rest of your family's money every month for a year's fixed deposit.

Over the course of a year, there are exactly 12 certificates of deposit in hand.

In this way, regardless of the month of urgent money, you can withdraw the deposit due in the current month. If you don't need money, you can roll over the maturity deposit with interest and the remaining money on hand for a fixed period of one year. This "snowballing" method of saving money guarantees that you will not lose the opportunity to manage your money.

Banks have introduced automatic rollover services. When saving, you should agree with the bank to carry out automatic rollover. This is, on the one hand, to avoid the loss of not redepositing in time after the maturity of the deposit, and the overdue part of the interest is calculated according to the current account; On the other hand, shortly after the maturity of the deposit, if the interest rate is lowered and there is no agreement on automatic rollover, the interest will be calculated according to the lowered interest rate when the deposit is redeposited, and the interest will be calculated at the higher interest rate before the reduction.

If the interest rate rises after maturity, it can also be withdrawn and re-deposited.

A deposit of more than 30,000 yuan a year is considered normal, if there is no 30,000 yuan in a year, then the income is very low.

Save 70,000 a year. This money is for emergencies, so an average family has to save 70,000 yuan a year.

About 100,000, which is a conservative number, is also calculated according to the average income of a family, only a little.

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.