If a family has millions in savings, is it considered a well off family?

I think it's okay, because life is very stressful now, many people don't have any savings at all, and they are already very rich if they can have millions of savings; And according to the standard of poverty alleviation "personal annual income of 3,000 yuan", there must be a well-off family with millions of savings.

A family has millions of savings, which is already more than most people, and it is definitely above the level of the well-off, and it has reached the middle-class level.

Such a family can indeed be regarded as a well-off family, because the family has more savings and can cope well with risks and diseases.

<> 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.

1 million, with the consumption level of a small county, if the depositor is single, or only needs to be responsible for another person's expenses, and is debt-free and light, and has no bad habits of spending lavishly, there is still a greater possibility of reliable interest in the short term. However, in the long run, this life will not last long, because there are two major unfavorable trends. The overall level of deposit interest rate is low and falling, and the yield that savers can enjoy in the future may not be able to reach 4%, and the interest received will be lower.

Second, judging from the per capita consumption expenditure of residents in the country over the years, this data is showing a trend year by year, and the increase is not small, with an average annual increase of more than 1,000 yuan. Even if the current annual consumption of depositors is only about 20,000 yuan, and they are single, according to this trend, I believe that it will not take many years, with the price of goods, it will no longer be able to cover living expenses with interest. Some of the remaining concernsIn addition, there are some remaining concerns to consider.

First, people go to high places. Some people want to save 1 million when they have 100,000, and they want more deposits after they have 1 million. And some people have the urge to spend, and Pall also wants to be extravagant.

If you stop working after having 1 million yuan, the interest you earn will no longer cover all your living expenses, and your savings will become less and less.

Third, in a humane society like a small county town, if a person no longer works, how can he explain to his relatives and friends what he is usually doing and what he eats? Once others know that they live on interest, if relatives and friends are in a hurry to borrow money, should they borrow or not? Third, if there is a family with children, it is difficult to support the family with an annual interest of up to 40,000 yuan, and then cover the children's college tuition and bride price.

Even if you are a single nobleman, what if you encounter any serious illness, accident, accident or the like? 1 million yuan sounds like a lot, but judging from the hot search, in front of the ICU ** fee brought by some poisonous mushrooms and watermelons that have been put for a long time, sometimes it doesn't play a big role.

I think that now a family must have at least about 500,000 yuan in savings to be able to achieve a well-off life, because today's prices are too high.

To achieve"A well-off life"There must be a deposit of at least about 500,000 yuan, so that you can basically achieve money freedom.

Now a family needs about 300,000 yuan in savings to be regarded as a well-off life in the true sense.

The amount of household savings depends on one's annual income level. An ordinary family, if it has been working for about 5 years, should have a deposit of at least more than 100,000. I think no matter how much you earn every year, you should save a fixed amount of money every year for emergencies.

I think it's normal to reach 1 million, because this deposit is the normal income of ordinary people.

I think it's normal for a family to have a deposit of 100,000 yuan. Because only in this way can you meet your daily expenses.

At least 500,000 should be able to withstand basic risks.

I think that in modern society, savings can no longer represent the living standard of a family. After all, it is now a credit society, and if you don't have millions of debts, you are embarrassed to say that you are rich, because it doesn't matter if you are in debt, as long as the money can flow, or it can be replaced with assets or financial products that can continue to appreciate, so that the future can be considered guaranteed.

Therefore, the deposit proposed by everyone can be used as a criterion, but it is only a relatively minor criterion. It reflects how much spare money a family has to keep in the bank for daily expenses, family emergencies and liquidity. Everyone's quantitative standards are different, but if the family can have about 300,000 spare money, life is relatively high-quality.

But what can really measure a family's living standard is the assets, that is, real estate, shops, salary, and education. In the eyes of many people, the standard of education may not seem to have anything to do with the standard of living of the family.

But after all, "noble sons from poor families" are a minority, and in the concept of Chinese families, if there is anything that can be as important as a house, then it must be educated. There has never been such a thing as "frugality" in investment in education, and if you can choose the first, you will never go to the second. Therefore, I personally feel that what kind of educational resources can be afforded is actually an important criterion for measuring the living standard of a family, and more precisely, for measuring the possibility of future family development.

After all, education is arguably the most important investment for a family.

Poverty alleviation and well-off This is a word that everyone in my country can understand, what is a well-off life like.

Second, different regions have different income standards for living a moderately prosperous life. In the northeastern countryside of Qu Comment's hometown, a family's per capita net income of more than 1,200 yuan can be regarded as a well-off family, but in the countryside of Beijing, or in the countryside of Jiangsu, Zhejiang and Shanghai, I am afraid that the per capita income of 1,200 yuan can only be regarded as a poor household.

Beijing white-collar workers crowding the subwayIncome diversification

In a second-tier city, I think that in order to reach the level of a well-off family, the savings must be more than 500,000 yuan, and you can go wherever you want, and buy whatever you want.

I feel that I have to have hundreds of thousands of spare money in my hand to turnover, and I can take it out without a loan in case of emergency, and I don't have to think about the situation at home when I go out to travel, so such a family should belong to a well-off family.