* 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 opinion from the following angles~
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Angle 1: Which range is your current deposit in? Do you find it difficult to make deposits?
The current deposit is between 1-10. For students from very ordinary families, depositing is still relatively difficult. Excluding the normal living expenses, if you want to save money every month, you need to control your desires. The cheapest food Meals in the cafeteria, no drinks, no expensive entertainment, etc. At the same time, part-time jobs for the remaining time are also required to obtain funds. And for ordinary people, when they feel that there is an opportunity, the biggest dilemma is not having enough funds to support them. For example, even if they know that a certain product will explode, they will definitely be able to make money by hoarding part of the quantity, but in the end they will only be able to make money if they do not have enough funds. You can buy a few and earn a little difference.
Angle 2: Talk about what efforts you have made for deposits?
Reminder: I used to be very frugal, except for the necessary and just-needed items for a long time, I did not spend entertainment for a long time, and at the same time try to make money in occupations within the cognitive range, such as game leveling, second-hand dealers, etc., in the process of these occupations When you try it, it will destroy the normal biological clock to a certain extent, because the number of people you are facing needs to be more after the off-duty time period, and the biological clock is changed to a day-and-night appearance, and you are always thinking about how to maximize the benefits Transformation, the most tiring but also the most fulfilling period of time.
Angle 3: In your opinion, besides personal factors, what factors affect the ability and willingness of young people to save?
Tip: In today's fast-paced society, and with the development of the times, more and more egoism and forward-thinking instillation, more and more young people are enjoying themselves in time, spending as much as they earn, and even spending money on money. Wait for the future money to be spent for consumption. As a result, there is not even a trace of money to face emergencies. There are also more and more consumption concepts, such as light luxury, etc., which make ordinary people's vanity expand and wallet empty.
The comparison among peers and the indulgence without control have resulted in very small savings and low desire 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?
Tips: At least 200-300W is needed to be able to retire safely in a small fourth- and fifth-tier city. If the quality of life is still guaranteed in a first-tier city, the money needed will increase multiple times. Therefore, the cost of settling in first-tier cities is very high, but relatively better quality of life and lifestyle.
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