[Topic Master] Do you think it is difficult to make a deposit? What do you think of half of young people who can't save more than 100,000 yuan? it's not fundamental

guide

Recently, a survey said 大概五分之一的年轻人存款在一万元以内。10万元存款是一个“坎”that if the deposit exceeds 100,000, it will exceed 53.7% of the people. 年轻人(23-28)The collision 存款of the two words has attracted extensive attention and discussion. Do you think it is difficult for young people to save money?

Let’s start with the conclusion: Debt

Do you find it difficult to make deposits?

How easy it is for young people to save can be influenced by a number of factors. Here are some factors that may affect young people saving:

1. Income level: Young people are usually in the early stages of their careers, and their earnings may be relatively low. Low income can lead to limited savings capacity, making it difficult to save large amounts of money.

2. living cost: The cost of living varies by region and individual lifestyle. Hidden expenses such as daily expenses and game top-ups may make it difficult for young people to save.

3. Debt burden (spending ahead): Many young people may experience early consumption, Huabei, IOUs, etc., and face debt burdens. Paying down debt may affect their ability to save.

4. job opportunity: The level of competition in the job market may affect young people's employment and income levels. Finding stable jobs and earning higher wages can help young people save more easily.

5. Financial Awareness and Habits: Some young people may lack good financial awareness and saving habits. Lack of savings planning and goal orientation can lead to difficulty saving.

How to take some measures to increase deposits?

Despite these challenges, there are steps young people can take to boost their savings:

1. budget management: Make a reasonable budget plan and rationally allocate income for savings and expenses.

2. savings goal: Set savings goals and develop feasible savings plans according to personal circumstances.

3. cut the expenses: Review personal expenses, look for possible savings opportunities, and reduce unnecessary spending.

4. increase source of income: Explore income-enhancing opportunities, such as part-time work, side hustles, or upskilling your career for a higher salary.

5. Improve financial knowledge: Learn about investing and managing money to better manage your personal finances and get better returns.

summary

Personally, I think this topic is relatively big and sensitive. First of all, those who can continue to pay attention to CSDN basically belong to the IT industry. As we all know, the salary in the IT industry is relatively high, so within this limit, obviously the meaning of this topic is not so obvious. .