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." "Youth" "deposit "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
Table of contents
1. Soul torture
Which range is your current deposit in? Do you find it difficult to make deposits?
1) The current deposit is negative.
This is because there is an arrears, so it is negative.
Some small partners may be mortgage or car loans, while bloggers are mainly investment loans and consumption funds.
In fact, for most migrant workers, it is difficult to buy a house in a first-tier or second-tier city with a meager salary even if the IT industry is relatively high. Except for some excellent friends, a simple analysis will make it clear. Suppose: Xiao Ming earns 10,000 yuan a
month , Excluding food, clothing, housing and transportation, the remaining 5,000 is already a limit.
It is only 60,000 in one year, and 600,000 in ten years. This is a deposit saved under very ideal circumstances.
Many things will happen in ten years, such as getting married and having children, etc. With a family lover and children, the expenses will be even more.
2) Compared with individuals, deposits are more difficult!
Tell me about what efforts you have made to save money?
When I was single, in order to save money to buy a car, I spent only a dozen yuan a day, lived nearby, had porridge for breakfast and dinner, and fast food at noon.
After more than a year, I saved 40,000 yuan and bought a Lifan Mawei SUV with a down payment in 2016 and a half.
After having a lover and children, in order to save money, remember clearly what you spend every day, and let yourself know where every money is spent, so as to adjust consumption items.
In your opinion, besides personal factors, what factors affect the ability and willingness of young people to save?
Personally, I think that the obstacle to deposits lies in the ability of self-control, and there are too many external consumption items, too many of which are necessary, and none of them is low-consumption.
The willingness to save mainly lies in the long time span, and the side reflection is low income. This is a test of a person's endurance. How many people can have high-intensity endurance!
Do you think that young people can resign naked if they save enough savings/How much savings do they need to save for a decent retirement?
1) At least 15 years of guaranteed social insurance, for example: work at the age of 23, buy 15 years of social insurance before the age of 38, the longer the payment, the more secure 2) At least one million savings before the age of 45, the premise is to have a house and a
car , there is no other arrears. If
the above highlights can be achieved, I think I can rest assured that I can resign or retire
2. Hot discussion phenomenon
Is it difficult for young people to save money? How to break the "deposit freeze" phenomenon?
3. Hot topics
A recent survey found that about one fifth of young people have savings of less than 10,000 yuan, and when the savings exceed 100,000 yuan, this proportion will reach 53.7%. This phenomenon has aroused widespread concern and discussion. So, is it difficult for young people to save money? What is the reason for this?
4. Phenomenon Analysis
First of all, we need to be clear that the difficulty of saving money for young people is not an isolated phenomenon, it is related to various factors such as economic structure and social changes.
Therefore, in order to solve the problem of the difficulty of saving for young people, we need to consider these factors comprehensively.
Secondly, at present, the difficulties faced by many young people mainly come from problems such as low income and high cost of living.
In addition, young people are often under greater family pressure and social pressure. Some people are unable to control their own income independently and cannot accumulate enough savings.
At the same time, at this stage, the popularity of financial knowledge among young people is still limited, and there are many blind spots and misunderstandings in financial management.
5. Solutions
Therefore, we need to solve the problem of difficult deposits for young people from the following three aspects:
First, expand income channels
Broaden young people’s income channels, such as
1) young people start their own businesses, and now encourage innovation and entrepreneurship to support young people to develop a new economy , to enhance the ability to generate income.
2) Expand sideline business, such as cross-industry, sideline business expansion can be carried out without affecting the main business.
Second, strengthen financial management education
to improve the financial management ability of young people. Through cooperation with banks, securities companies and other institutions, financial management knowledge is popularized in daily life. At the same time, it is also necessary to strengthen investment education and training, and guide young people to obtain income through safe and stable investment.
Third, strengthen family and social support for young people.
This is not only financial support, but also encouragement and support in life and spirit. In this way, young people can face life and the future with more confidence and improve their savings level.
In short, the phenomenon of "deposit stuck" among young people is a common problem that requires us to work together to solve it. Only by breaking this stagnant phenomenon and allowing young people to have a broader space for development and a more stable life security can we achieve the common development and progress of individuals and society.
Summary: When you are single, it mainly depends on your personal consumption concept. After you have a lover and children, it mainly depends on your family consumption concept. Reasonable planning is very important for basic necessities of life!
6. The code shows young people's savings
When young people make deposits, the following is a simple sample code written in C# to explain the process of young people's deposits:
using System;
class Program
{
static void Main(string[] args)
{
decimal initialAmount = 10000; // 初始存款金额
decimal monthlyIncome = 5000; // 每月收入
decimal monthlyExpenses = 3000; // 每月支出
int savingYears = 10; // 存款年限
decimal totalSavings = initialAmount;
for (int i = 1; i <= savingYears; i++)
{
decimal monthlySavings = monthlyIncome - monthlyExpenses; // 每月储蓄额
decimal yearlySavings = monthlySavings * 12; // 每年储蓄额
totalSavings += yearlySavings;
Console.WriteLine($"第{
i}年末总储蓄额：{
totalSavings}");
}
Console.ReadLine();
}
}
In this sample code, the young man's initial deposit amount is 10,000 yuan, his monthly income is 5,000 yuan, and his monthly expenditure is 3,000 yuan. They decide the deposit time is 10 years.
The code uses loops and conditional statements to calculate the savings for each year and adds them to the Total Savings variable. Finally, the code prints the total savings at the end of each year.
Please note that this is just a simple example. In fact, the deposit process for young people may be more complicated, involving taxation, investment income and other factors. This example is only used to explain the basic process of depositing, actual situation may vary according to individual circumstances.