young people vs deposits

Recently, a survey said that "about one-fifth of young people have a deposit of less than 10,000 yuan. A deposit of 100,000 yuan is a "threshold", and a deposit of more than 100,000 will exceed 53.7% of the people." "Young people" "deposits "The collision of the two words has attracted widespread attention and discussion. Do you think it is difficult for young people to save money? You can express your views from the following angles~

Angle 1: Which range is your current deposit in? Do you find it difficult to make deposits?

  difficult. Always bound by various situations of rules and regulations and unable to make independent decisions. And accidents and tomorrow will never know which one will come first, people will always have bumps and bumps, and the cost of minor injuries and illnesses is not small, let alone in case there are some intractable diseases.

Angle 2: Talk about what efforts you have made for deposits?

1. Create a budget: Create a detailed budget plan, including income and expenses, so you can determine how much you can save each month.

2. Set a goal: Set a specific savings goal, such as depositing a certain amount of money within a year.

3. Automatic savings: Consider using an automatic savings plan to automatically transfer a portion of your income into a savings account.

4. Cut expenses: Try cutting unnecessary expenses, such as buying expensive coffee or lunch, so you can put more money in a savings account.

5. Find a high-interest savings account: Look for a high-interest savings account so you can earn higher returns.

Angle 3: In your opinion, besides personal factors, what factors affect the ability and willingness of young people to save?

  If you graduate from university, you will start working at the age of 22. If you graduate with a master’s degree, you will have to postpone it for another 2-3 years. If you are a boy, then congratulations, you should prepare for a series of marriages. After getting married, you have to plan for the future of your children. After careful calculation, it is too difficult to have your own savings. The money you save cannot be called a deposit. It is all a series of preparations for the future. You cannot be free to dominate it.
  And you need to carry various loans such as mortgages, car loans, etc. Basically, you will have nothing to earn when you get your salary, that is, you will repay all the loans after you have passed the hand. If you have a family with you, it’s really not enough. You have to face car loans, mortgage loans, and hope that all your family members are healthy and healthy, and you have to worry about your children’s studies, life, etc. In all kinds of rolling events, because others are rolling, your child will be eliminated if he does not roll.

Possible factors:

1. Income level: Young people often have lower income levels, which may limit their ability to save.

2. Spending levels: Young people typically have higher spending levels, including rent, transport, food, etc., which can reduce their disposable income and thus their ability to save. (Some young people are more vain, and they are prone to slapping their faces to pretend to be fat. It is very difficult to avoid debts, let alone deposits)

3. Debt burden: If young people have a high debt load, such as student loan or credit card debt, this may affect their ability to save.

4. Saving habits: If young people are not in the habit of saving, or if they don't know how to save, then they may not be willing or able to save money.

5. Financial literacy and education: If young people lack financial literacy and education, they may not know how to manage their finances and investments, affecting their willingness and ability to save.

6. Sociocultural environment: Saving is seen as a bad habit or undesirable behavior in some sociocultural environments, which may affect young people's willingness to save.

Angle 4: How much savings do you think young people can afford to resign naked/How much savings do they need to save for a decent retirement?

  As for how much deposit is enough to resign, it varies from person to person.

  There is a need to consider what kind of life you want to live, including where you live, your lifestyle and your expenses. Everyone's situation and ideas are different, and this still depends on the individual. Moreover, everyone's physical condition is different, and the mental state is the same. Some people are easy to be satisfied and contented, and they may be able to achieve it with only a small amount of savings.

  In contrast, it is easiest for a person to die alone, just enough to meet his daily expenses and simple spiritual abundance.

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  The amount you need to save for retirement varies from person to person and depends on many factors, such as retirement age, standard of living, health and life expectancy.

How much is enough for retirement has to consider a few points:

1. Determine your retirement goals: You need to think about what you want to live in retirement, including where you live, your lifestyle, and your expenses. Based on these factors, you can calculate how much savings you need to achieve your goals.

2. Calculate your annual expenses: You will need to calculate your annual living expenses, including housing, food, health care, transportation and other expenses. This will help you determine how much savings you need to cover these expenses.

3. Estimate your life expectancy: You need to consider your life expectancy in order to determine how much time you will need to save enough to support your retirement.

4. Calculate your return on investment: You'll need to calculate your return on investment in order to determine how much you'll need to save to earn enough to cover your retirement living expenses.