How much debt do you have after 90?

On the Zhihu, there is a question called "How much do you owe after 90". There are 3244 answers to this question, and the sum of all the praises is hundreds of thousands.

Many of these liabilities are relatively healthy. For example, car loans and mortgages handled in banks account for a large proportion of their own income, but they dare not spend money, but they are not anxious. They pay part of their salary every month, and the rest is used for living.

However, some of my friends' descriptions are like a dark bottomless pit, and everyone who looks at them can feel deeply powerless. Some people owe huge debts, and the debts are getting more and more, and even they are entangled in debts and have the intention of killing themselves.

Source: Suning Financial Research Institute

Wang Lama, who was lying in bed playing with his mobile phone, was overwhelmed by these articles and simply got up and beeped.

People who are not bent over by debt are happy, and being cornered by debt seems to be the normal life of the post-90 s.

"The highest1000000! Arrive in 5 minutes at the earliest! "

It's too easy to borrow money these days. Of the ten people who called you, except two who sold houses, eight were asking if you wanted a loan.

Let's not talk about the complicated problem of getting loans from banks. Just talking about online platforms, Beijing's micro-loans, loan treasures, small loans and other formal lending platforms, not to mention those informal lending platforms that WeChat official accounts dare not say, are afraid of being fooled ... even Tik Tok can brush out several online loan varieties.

All kinds of high-amount, second-to-account loans come from all corners of the world to young people who have just left society. Explosions usually shake their nerves. They don't eat or drink, and they can get the money they have saved for years by clicking their mobile phones.

"What's the point of not being kind to yourself when you are young and enjoying happiness when you are old?"

I don't know when the trend of public opinion became the absolute truth that buy buy bought.

Don't wear big-name clothes, I'm sorry for my health, I'm sorry for my mouth, I'm sorry for my face without high-end cosmetics.

I once suspected that this kind of wind was deliberately blown up by Fu Bao, the master who created the Double Eleven Shopping Festival, but I continued to observe and found that he was far from the only one who benefited. A friend told me what "consumerism" is, but I don't read much and dare not ask.

People who sell things benefit, and young people can buy a bunch of unnecessary things in buy buy.

With the benefits of traveling, there is always one body and one heart on the road. Many people can't read books at all, so they can only travel physically. For example, they can go to the pastoral area to find a Lama to open the light. I don't know that my mind has been purified and my body has become very dirty.

But the most profitable thing is to engage in online lending. After all, most young people can't earn money for shopping or traveling, so they can only borrow money. However, you can't get a formal bank loan, and you won't get a loan in your life. As long as you borrow that kind of convenient online loan, you can let people pay back 200 thousand with 5000 yuan.

"Looking at the dog sunbathing on the roadside, I suddenly lost my mobile phone and cried. A dog is happier than me. "

It's cool to borrow money for a while, but it's always cool to borrow money.

The day when you can never borrow it again.

All kinds of debt calls have come, and there are all kinds of curses. Oh? Are you thick-skinned and not afraid of being scolded? You must have some family and friends. Why do you think those apps read your address book when you borrow money?

Suddenly all the colorful things in life have disappeared, and debt is like a dark eye staring at you from all directions, and you can't hide it.

The original consumption pattern is impossible to continue, and normal life seems to be a problem.

Fortunately, China's remarkable achievements have made it difficult for this society to starve people to death, and selling identity cards in Sanhe is just like selling identity cards.

Eat noodles, live like a great god, and play for three days a day.

Life always ends when it should.

Lama Wang, who works in a bank, has seen too many young people in debt. Lama has not made accurate statistics, but in the cases of overdue credit cards he has seen, thousands of people are still behind, and most of them are post-90 s.

Although the Lama Wang Yizhi believes in a saying that medicine will not die, the Buddha has a destiny. I don't believe my suggestion will have any impact on young people who spend too much money or borrow too much, but I still want to say one thing.

"Think twice before borrowing money. If this is your own money, will you lend it to yourself?