At the age of 50, how many families can stop trying and start enjoying life?

Everyone has the actual situation of everyone. So, how much does it cost to enjoy life at 50? This question varies from person to person, from place to place and from thing to thing, so there will be no absolute standard answer. However, although the standards of absolute quantity are different, some basic elements are actually similar. In a word, Gray summarized it as "four haves and four have-nots".

Bottom line one: car and house, no loan. At the age of 50, if you want to enjoy life instead of working hard, the first hard indicator is that you have a car and a house, and you can't have a mortgage car loan.

In modern society, we must have a place to live, so a spacious house with a good environment is the most basic condition. At the same time, having a good quality car can be used for you to go out for a walk or travel by car, and it is also an essential tool for us to enjoy life.

In real life, there are actually many people who have cars and houses. The key is that many people are burdened with mortgages and car loans. If all these foreign debts are owed, it is basically impossible for you not to go to work. Therefore, if you want to enjoy life, the most basic condition is to have a car, a house and no loans.

Of course, enjoying life is not enjoying luxury. We don't have to pursue villas and luxury cars, as long as we can meet our own needs. Even so, for most ordinary people, this standard is not low.

Especially in the first-tier cities, housing prices are surprisingly high. It is really difficult to achieve the conditions of having a car and a house without a loan in the first-and second-tier cities. If you can reach this level, your net worth in this area is at least 5 million-10/00000, which is still difficult for most people.

Cities below the second and third lines are relatively easier to meet the condition of having a car, a house and no loan, because the house price is much cheaper. Therefore, if cities below the third tier want to meet the standard of having a car, a house and no loans, roughly 3 million yuan should be enough.

Family background 2: You have financial resources and no extra burden. If you want to stop working at the age of 50, you must have other sources of income. For most people, if they don't go to work, they still have income, which is nothing more than two channels: one is real estate income and the other is investment income.

Real estate income mostly refers to the rental income of real estate such as houses and shops, which requires you to have idle real estate as a support, while investment income refers to the investment or interest income of assets such as cash, stocks and bonds.

To have a stable source of income, you must have enough assets to meet your living expenses. For people in first-and second-tier cities, if the first condition of having a car and a house without a loan is met, the daily living expenses are actually not much, and the ordinary daily expenses of a family (excluding education expenses) are basically enough. 10-150,000 is basically enough for a family in cities below the third tier.

Because everyone's asset income situation is more complicated, we might as well use the simplest case of cash fruits to simplify consideration. If the annual interest rate is 4.5%, the cash capital to be converted should be:

1. First-and second-tier cities: 300,000/4.5% = 6.67 million deposits;

2. Cities below the third tier:10-150,000/4.5% = 2.22-3.33 million deposits.

Of course, the calculation here is only based on the risk-free savings with a return on investment of only 4.5%. In actual investment, the return on investment, including real estate rental income, stock and bond income, is much higher than this. In other words, this amount can basically be regarded as a high limit.

However, income alone is not enough. There can be no extra burden. For example, if you have a seriously ill patient at home or a child who is going to study abroad soon, these extra burdens may reduce your total assets. Once the total assets are reduced, the income generated by the fruits of these assets will inevitably decrease, so your expenses must be reduced, and it is hard to say whether you can maintain a more comfortable life.

Family background 3: People who have a good partner and have not lost their families want to enjoy life. In addition to the above two items, there is another important one, and that is your family. If you have one or two fugitives in your family, your wish of not going to work and enjoying life at the age of 50 will never come true.

Former colleagues, family situation is really good. Both of them are middle-level cadres of state-owned enterprises, with a combined annual income of more than 600,000. Living in a third-tier city is also very comfortable. Unfortunately, there is a black sheep in his family who can't study well, so he can only find opportunities to study abroad at high prices. As a result, this guy didn't change his bad habits after going abroad. He was jealous of others when he got a girlfriend and was compensated a lot of money. As a result, the family property accumulated by the couple for many years was basically hollowed out.

If you want to enjoy life without going to work, you must have the character that none of your family is the black sheep, otherwise your little money is really not enough for him to squander. For ordinary people, although this factor cannot be reflected in how many assets and money there are, it is a very important condition. There is a prodigal son at home, and Jinshan Yinshan will also be defeated. Why not go to work and enjoy life!

Family background 4: medical security, no problem with health.

After the age of 50, people's health has been declining, and health problems have become more and more prominent. If we don't go to work, at least make sure you have the corresponding medical insurance, whether it's the national medical insurance or the commercial medical insurance you pay yourself, at least you must have medical insurance, otherwise once you get sick, the hospital's treatment fee will completely empty your small family property in minutes.

Of course, this leads to another point of view. If you want to enjoy life without going to work, you must be healthy first. If there is something wrong with your body, you have to have a strong family background to deal with it.

The medical expenses are really high now. Even within the scope of medical insurance reimbursement, many self-funded items, self-funded drugs and self-funded devices are very expensive. Especially with the growth of age, various cardiovascular and cerebrovascular diseases follow one after another, and the medical expenses are rising.

It is conservatively estimated that even if there is medical insurance, there must be 500- 1 10,000 medical expenses to ensure timely and effective treatment when you are sick.

To sum up: it is not easy to enjoy life without going to work at the age of 50. Because we have to face the pressure of survival, health and family burden. If any of these pressures is not solved, it will have a great impact on the rest of your life. How can you enjoy life easily!

According to the above analysis of "four haves and four have-nots", if you don't work at the age of 50, you must have at least hundreds of millions of assets at home to have such extravagant hopes. However, people who really have so many assets will not easily put down what they are doing and pursue comfort.

Therefore, Hemingway's sentence is more suitable for all of us: the world is so beautiful and worth fighting for! What did you say?/Sorry?

Personally, I think it's almost enough to have 300 thousand to 300 thousand deposits at the age of 50, not necessarily tens of millions. Ordinary people can't earn so much money. Even if you can't live to death all your life, set yourself a low goal.

Of course, this kind of contentment needs social security, both husband and wife and parents need medical insurance and old-age care, and their children are completely independent.

I think, at the age of 50, the mortgage is paid off, my daughter graduated from college and went to work, with a deposit of 500 thousand, and then she took several thousand yuan every month and began to retire.

Do something you want to do, travel, volunteer, write articles and so on.

Life is short. For the rest of my life, let myself relax and not be a slave to money.

When I came home when I was laid off at the age of 49, the company gave me 700 yuan a month, at 1999, which is not low. It can be said that I began to enjoy life from then on. I take part in dancing, cycling, traveling, mountain climbing, traveling, swimming and photography. I have traveled all over the country, riding in East China and around the Bohai Sea, and even riding on Taihang Mountain Road. Now, 2 1 year has passed, and I am 70 years old. In retrospect, I think it's worth it. Although retirement has affected my pension, I don't think it is too high or too low to spend.

My parents were gone when I retired. A daughter works in a hospital and her wife retires for 300 yuan. My salary of 700 yuan is also quite a lot. At that time, migrant workers could only earn 10 yuan a day. After returning home, my salary rose several times, and in 2000 it rose to 930 yuan (after deducting five insurances and one gold). In 2009, the quotations were 1650, 20 10, and 2850 was refunded. Through these years, my pension has reached 4456 yuan, which is about 5500 if all kinds of subsidies are included. I don't need to save money specially. The company has supplementary medical insurance. After the medical insurance is settled, there will be a second reimbursement of 90%, with an upper limit of 500,000. In other words, if I spend 500,000 yuan, I will pay 12000, and I can still get the money. Besides, I am strong. I haven't been to the hospital. Even if I caught a cold in the morning, I would be fine in the afternoon. I don't need to take medicine.

At the age of 50, people have lived for most of their lives. If you want to start enjoying life without hard work, you need to meet the following requirements to achieve it:

First of all, it is enough to have your own house, one set and two sets, to ensure a foothold in daily life; It doesn't matter whether there is a car or not. Cars are used to facilitate travel. It's convenient to travel with a car, which looks decent, but now the traffic is convenient and you can travel smoothly without a car. Therefore, owning a car is not necessarily related to enjoying life.

Secondly, there is no debt, including no loans of any kind, and no money owed to others. If so, don't dream of enjoying life without hard work, but wash your face, wake up, continue to work hard to earn money, and pay off your debts first.

Thirdly, children are married, self-sufficient and don't need to work hard, otherwise they need to subsidize their families, work hard for their children, and how to enjoy life!

Finally, if you want to have a deposit, as for how much deposit you need, you might as well roughly estimate it as follows:

1, enjoy life from the age of 50 to the end of 80, which is 30 years;

2. The daily basic living expenses are calculated in 60 yuan, one month 1.800 yuan, and one year 2 1.600 yuan. In addition, the annual cost is calculated as 35,000 yuan, and the 30-year * * is 1.05 million yuan.

3.50 to 65 years old, you still need to pay 15 social security fee, calculated at 8,000 yuan per year, 15 * * needs to pay120,000 yuan;

4. According to the latest 65-year-old retirement system, from the age of 50 to 65, there are still about 16 years left, and you can enjoy your life while relaxing your work, with an annual increase of 20,000 yuan and an annual increase of 320,000 yuan 16 * *;

5. After retirement, people aged 65 to 80 can still receive a retirement salary of 15. Due to different insurance standards, retirement wages are also different. Here, according to the calculation of 20,000 yuan per year, 15 * * will get 300,000 yuan;

6. After making ends meet, * * * is 550,000.

To sum up, at the age of 50, if you want to enjoy life for nothing, you need at least one or two houses, no debt, independent children and about 550,000 savings.

Individuals pursue different quality of life and different family situations, and the answers are of course different.

I'm only 48 years old, but I don't work hard. I'm at home. I'm retired.

Family situation: both parents died, Dink had no children, and his original wife was a grass-roots civil servant (with his own meal ticket).

Economic situation: in a famous second-tier and real third-tier city, I live in affordable housing, drive a car of100000, and have no foreign debts. There are 3 million to 4 million cash.

Perhaps this asset, in the eyes of many people, is nothing but enough to buy a second-hand old house of 60 to 70 square meters in remote areas of first-tier cities. In the eyes of the rich second generation, they are even more dismissive and cannot afford luxury cars.

But for me, that's enough.

Three or four million is placed in several banks, each with 500,000 yuan, which is a large rated deposit, practical and safe. The monthly interest income 10000 yuan, except for social security (choose 100% file) and medical insurance, which are completely self-employed as flexible employees, the rest exceed the social wage standard announced by the local government. Daily life is relatively simple, and I still have some money left every month, so I can deposit it in the bank.

As the children of retired employees of bankrupt state-owned enterprises, they have no excellent family background and rich ancestral property. I have received higher education, participated in the open recruitment for the society with my own ability, and worked as a civil servant. There is no hope of leaving your job to do business and getting promoted. You can earn these small money by your own ability.

Knowing your own strength, this is the ultimate, you can't be a hero, you can only be an ordinary grassroots.

The journey of life, contentment is always happy. Tired, tired, I should have a rest.

I have a house (75 square meters) and a car (battery car) in Shanghai, and now I am retired. I have 500,000 savings for investment and financial management, and my retirement salary is 3,500. Generally, it costs about 200 yuan a day, including vegetables, fish eggs, fruits, sports movies, a bowl of fried eggs with curry beef noodles every morning (15 yuan), and two vegetables at noon. Run 8 kilometers every day, swim once every two days, buy a book for three days, watch a movie every week, and stay in Thailand for one month in the coldest season of January every year. Every day is ordinary, and it costs about 3000-4000 yuan a month. I think people should be healthy and happy alive. Once they are seriously ill, hundreds of billions are useless. Those rich people, like Joe, are worth tens of billions. If you leave, no amount of money can buy you life. Those heads of state who hold power leave as if they were ill, and it is equal for everyone to live, die and die. Sometimes when you are sick, let nature take its course. People walk simply and are most afraid of medical aid. That is to drag the river with death, and you are the rope, the most painful! Therefore, vegetarian diet, regular exercise, improve the quality of life, and finally leave, everyone is similar. Middle-aged and elderly people in their fifties and sixties should focus on light vegetarian diet and exercise regularly in order to have a good physical condition. Is it a big fish and meat every day, delicacies, singing and dancing every night, and the clubhouse is tender?

Fifty years old is not young, but it is not old. Nowadays, many people are still fighting in the front line of work after 50 years old, which is very worthy of everyone's respect.

Of course, there are also many people who have worked all their lives. By the time they are 50, they may have worked for more than 30 years. At this time, some people may choose to retire early and enjoy life.

But for the vast majority of people, it is impossible to go through retirement formalities at the age of 50, because at present, the legal retirement age in China requires men to be 60 years old and women to go through retirement formalities normally at the age of 55.

In this case, if you choose not to work in advance, you have to have some savings as the basis. As for how much savings you need to enjoy life if you don't work at the age of 50, the gap between different people and different cities will be great.

1. First of all, from a national perspective, if we want to maintain the national average living standard, we only need about 250,000 yuan.

If you are a male and pay your pension normally, you need to pay some daily living expenses out of your own pocket between the ages of 50 and 60.

Judging from the national average consumption level, the per capita consumption in China will be around 22,000 yuan in 20 19 years. If this consumption level increases by 5% every year in the next 10 year, then you need at least 277,000 savings to maintain the national average living standard in the next 10 year, even if the income from investment and wealth management is included, then you should at least.

2. If you live in a first-tier city, you need to prepare at least 500,000 yuan.

At present, the consumption level in first-and second-tier cities is very high. For example, in Beijing and Shanghai, the per capita consumption is more than 4,000 yuan a month, which is equivalent to about 50,000 yuan a year. In this way, before you retire, you need to prepare at least 630 thousand yuan to meet your daily expenses.

Even if you count the income from investment and wealth management, you need to prepare at least 500 thousand at the age of 50 to reach the average living standard of first-tier cities.

Of course, the example we listed above is aimed at the situation that you don't have foreign debts such as mortgage and car loan. If you have a mortgage and a car loan, that's another matter.

For example, in first-tier cities, if you have a mortgage, it may reach tens of thousands of yuan a month. Then, in 10, you need to pay at least10.2 million mortgage, plus 500,000 daily living expenses, and you need to prepare at least10.7 million to be more practical.

At present, there are about 654.38+0.2 billion retirees of urban workers in China, while the elderly population over 60 in China has reached more than 250 million. This shows that half of the people in the country have no pension, and most of them receive endowment insurance for urban and rural residents, while the income from endowment insurance for urban and rural residents is several hundred yuan a month, and in many places, such as Shanghai, it is 654.38+10,000 yuan.

In this context, I think it is unrealistic to live on a pension of several hundred yuan a month, so we need to prepare more savings.

How much savings do you need to prepare for retirement at the age of 50 to lead a normal life for the rest of your life?

If your living standard is based on the national average living standard, the per capita consumption will be 22,000 in 2020. If the consumption level increases at a rate of 5% in the future, if you can live to 90 years old, then the total cost you have to pay is about 2.66 million.

So when you are 50 years old, how many houses do you need to ensure that you can reach 2.66 million in the next 40 years, including principal and interest?

Suppose you have a deposit of X, which can be used for investment and financial management. Suppose the annualized rate of return is 5%, then deduct the living expenses needed in that year from the annual principal and interest, and then continue to use the remaining money for investment and financial management.

Then if you want to reach 2.66 million with interest in 40 years, you need to prepare at least 840 thousand.

However, 840,000 yuan is only for the national average. If your living standard is lower than the national average, then you don't need to prepare so much money. Maybe 300 thousand is enough. On the contrary, if you live in a first-tier city like Beishangguangshen and Shenzhen, I need to prepare more than 840,000 yuan, and maybe 6.5438+0.5 million yuan.

However, whether it is 840,000 yuan or 6.5438+0.5 million yuan, for ordinary people, if they want to take out so much savings at once, I think many families can't take it out, so even at the age of 50, many people can't quit their jobs and enjoy their lives. More people need to continue to fight in front-line jobs, so that the elderly can have more protection.

Every family has its own problems, what's more, everyone's life philosophy and lifestyle are different. Generally speaking, in today's era, an ordinary family has a home, a fixed income, a monthly pension and a little savings, so that they can properly consider not making hard money!

My husband retired at the age of 45, with a salary of 7886 yuan, and has lived a retirement life since then.

Ten years ago, when my husband was 45 years old, he chose to choose his own career from the army.

Why didn't my husband choose to change jobs at that time, but chose his own job?

My husband is the leader of the army and has a lot of social activities. It can be said that he drinks every day and his health is getting worse every day. The worry in my eyes.

Everyone hopes that his husband can have social status, be an official, and have unlimited scenery with his husband.

There are gains and losses. Seeing that your position is getting higher and higher, but your health is getting worse and worse, there is no point in wanting to be an official. Without good health, nothing is useful.

Therefore, after discussing with my husband, I chose to choose my own job, stay away from social activities and social circles, and live a comfortable and peaceful retirement.

We have no savings and only live on a pension.

After retiring, I chose to live in Qingdao instead of going back to my husband's hometown or hometown.

In this way, in Qingdao, I don't know anyone except my sister's house and my uncle's house. I don't need to drink any more, and I don't have any social circles.

Since then, I have started a carefree and healthy life. My husband was pregnant when he just retired. We are both very fat.

The first step is to lose weight. My husband dropped from 140 kg to 120 kg, and I dropped from 130 kg to10 kg.

My husband's face began to turn white slowly, and our spirit was getting better and better.

Every day, my husband and I will go for a walk at the seaside, then buy food and cook, eat vegetarian tea and rice, and then go to the sea when we have nothing to do, watching the ebb and flow of the tide, like a spring breeze.

Now, ten years have passed, and we are in our fifties. Many people's retirement life has just begun, and we have passed more than ten years.

We have lived like this for ten years, and now I am retired, and my husband's salary has risen to 18000 a month.

In fact, we have been enjoying life. I understand that enjoying life is not a matter of how much money you need.

But I don't want anything, just live every day and be happy.

My understanding is that you can do anything you want. The most important thing is that you don't have to get up early and get busy, work hard and worry about your life.

As long as you live a good day, it's okay, grow flowers, exercise, see a doctor if you are sick, and pay attention to maintenance if you are not sick.

It is also an advanced lie-down life.

Friends, do you think we are enjoying life? Welcome to discuss.

I don't think there is an absolute answer to this family background.

For example, if you are an old man in the countryside, maybe the old man will think that having hundreds of thousands in his hand is already a lot of "wealth". It is estimated that everyone is very satisfied and feels secure when he is old.

If you live in a third-tier city and have basic necessities, such as having your own house, having a car instead of walking, your children have already gone to work after graduating from college, and you have bought old-age insurance for a long time, then you can live with 3.5 million in your hand.

But if you live in a first-tier city, this is even more difficult to estimate. In all respects, consumption is much higher. If you want to enjoy your old age at 50, you have to save enough money.

In fact, life is alive and there is more money, so it is better to have a good body. After all, most people can't afford expensive medical expenses now, so, "stay in the green hills, not afraid of burning without firewood."