* 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 "hurdle". If the deposit exceeds 100,000, it will exceed 53.7% of the people." "Youth"" The collision of the two words "deposit" has attracted extensive 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?
My current deposit is less than 10,000 yuan. For me, the deposit is indeed a certain degree of difficulty. As a recent college graduate, I am faced with many financial pressures and expenses such as rent, living expenses, student loans, etc. The job has just started and the income is relatively low, so the deposit amount is limited. I need to manage my expenses carefully and try to spend rationally so that I have some extra money to save. However, I also understand that saving is not only a matter of income, but also related to personal financial management concepts, consumption habits and other factors.
Angle 2: Talk about what efforts you have made for deposits?
In order to deposit, I put in some effort. First, I set a clear savings goal and made sure to save a portion of my income each month. I have made a detailed budget, reasonably planned my monthly expenses, and tried to avoid unnecessary expenses. Additionally, I try to find additional income opportunities such as part-time jobs, participation in projects, etc. to increase my savings. At the same time, I also worked hard to learn financial management knowledge and improve my investment ability in order to effectively increase the value of savings.
Angle 3: In your opinion, besides personal factors, what factors affect the ability and willingness of young people to save?
In addition to personal factors, there are other factors that affect young people's ability and willingness to save. First, the rising cost of living is an important factor. The increase in housing prices, commodity prices and daily expenses has reduced the disposable income of young people, making it difficult to have more funds for savings. Second, career development and employment pressure also have an impact on savings capacity. Young people usually have relatively low wages when they first start working, and it is difficult to have a high savings amount. In addition, the influence of social media and consumer culture has also made young people more inclined to pursue instant enjoyment, while ignoring the importance of saving.
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?
For young people, savings goals for naked retirement or a decent retirement age vary with individual circumstances. For naked words, the deposit target may depend on the individual's financial situation, career planning and future development direction. Generally speaking, it is a relatively safe choice to save enough living expenses for 6-12 months as an emergency reserve fund. As for a decent pension, this goal may require a longer period of accumulation and investment appreciation. The exact amount will vary depending on factors such as an individual's expected standard of living, retirement age and source of income. But whether it is naked resignation or retirement, it is important to set clear goals, plan savings reasonably, and carry out long-term financial planning.
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