How much savings should a 40-year-old family have to avoid anxiety?

I am 40 years old this year. I have a savings of over 2 million, a house, a car, and no mortgage. I have a son and a daughter. I seem to be doing well, but I am still very anxious.

I bought a Citroen C5 in 2012 for nearly 210,000 yuan. It is now seven years old and I want to buy a new car. However, this year my son took the high school entrance examination and participated in various cram schools because Her academic performance was pretty good, so I tried my best to provide her with a learning environment. Tutoring for one winter vacation cost more than 40,000 yuan. Thinking about the time when the child needs money, tutoring after high school will definitely cost a lot, so I decided to The plan to change the car was cancelled.

My wife usually doesn’t spend much money. She spends a few hundred yuan a month on makeup and two or three hundred yuan on clothes. It’s just that she spends a lot of money on her daughter. Whether it’s food or clothing, she needs to be high-quality. The monthly expenses are about two to three thousand.

My wife and I earn about 20,000 yuan a month, which seems to be quite rich, but when we think about how we will support our son and daughter to go to college and buy a house for our son and marry him after graduation, how do we feel about having a savings of only 2 million yuan? Maybe you don't have to panic, you still have to work hard. If you don't want to live a comfortable life, you will be satisfied if you can meet the needs of your family.

I am a typical post-80s generation, and I am turning 40 this year. I live in a county town in a second-tier coastal city. Because my parents are the only child, I have been living with my parents since I got married. We have I have a daughter who is in junior high school. She saved some money by running a business for the past 20 years. Now she has three houses in the county without loans, two cars, and 500W of cash in hand. In recent years, due to changes in the market environment, her business has also declined. The current situation is that my parents have pensions and we are unemployed. My wife runs a small business and the income is enough for her daily pocket money. I rely on the cash in hand to do some financial management and so on. Everyone The monthly income is about 3W.

Ordinarily, at this level, I have enough food and clothing, but I still feel worried. Let’s talk about why I feel worried.

First of all, my current income is very unstable and is greatly affected by national economic policies. Recently, the national monetary policy has also been very loose. The interest rates for financial management have been declining, and my income has also been declining. Reduction, and financial investment itself has certain risks.

The second point is that while our country has been developing rapidly in the past 20 years, it has also put a large amount of base currency into the market, which has led to skyrocketing prices and currency depreciation. I remember that the local house price was only over 800 per square meter when I got married. Now it’s 12,000. Everyone knows how much you can buy with 100 yuan in the market. Fruits and other things are probably becoming luxuries. You can’t buy anything like Qianba in the mall. Even a better piece of clothing. It’s all in the thousands. I don’t think I’m the kind of person who spends money indiscriminately or without restraint. Even so, every month our family of five spends on all aspects of life, including food, drink, clothes, water, electricity, etc. Insurance for people and cars, gas expenses, annual property costs for three houses, and heating expenses. This does not include other unexpected expenses, such as illness, social contacts, etc. These add up to about 10,000 yuan per month. In short, the cost of living is extremely high now, and the money in my hands is depreciating all the time. I don’t know how much the money in my hands will be worth in ten years! So in the long run I am still very anxious

The above is my personal experience

I have just four pictures this year, let me talk about my feelings.

I have a wife and children, two houses at home, a savings of more than ten thousand, no mortgage, no car, but to be honest, I am still very anxious, mainly because the income of both parties is too low (third-tier, one year's married couple's income I am a couple, not an individual). Last year, I didn’t save a penny in a year, and I was very anxious.

Every month, there are always so many things, whether parents, wives and brothers are sick, it is the moving celebration of older brothers and younger brothers, or other people have children, these are two or three thousand, and there are two thousand at the end of the year. House heating bills, property water and electricity heating, several thousand yuan for my parents and family, and another 20,000 yuan for insurance, all kinds of mess, plus traveling for a year and returning to my hometown (I went home for the New Year last year, and went to my daughter-in-law’s parents’ house in the summer, and traveled twice) , the child care fee is 20,000 yuan a year, I saved a little money, but it was all spent quickly.

I don’t plan to go anywhere this year. I won’t go out during the National Day holiday. I will just stay at home and not go home. I will try to save some money. I remember that ten years ago, my monthly salary was only 3,000, and I could save 2,000 a month. Last year, I didn’t save a penny.

To put it bluntly, the income is still too low. If one person's income reaches 120,000 a year, 10,000 a month, and the couple's annual income is more than 200,000, there will be no such anxiety. I clearly remember that a year ago, my wife bought a coat for 1,280 yuan, and only had 4,000 yuan in her salary card. After paying the child 1,550 yuan for care, she only had about 1,000 yuan to buy the coat. She had to wait until the New Year to get her salary. Life is very hard, because I only have a small amount of savings, and I won’t or dare not touch it easily unless I have to.

So, I personally think that families in their 40s should have at least 300,000 in savings to feel more secure. It would be better if you have a cash deposit of 500,000 to 600,000 yuan, which will make you feel more at ease mentally.

Some people will say, why do you keep the other house? If you sell it and buy it for 700,000 to 800,000 yuan (125 square meters), you will have about 900,000 yuan in cash and deposits, so you won’t be anxious.

I personally think that if a family in their 40s has only one house, they will probably be more anxious. If they have another house, they feel at ease and have emergency needs, and one house may be life-saving. . If not, can you sell your current house to save your life? Where to stay?

What's more, if you give birth to a son, you have to make plans for his future. If he gets married in the future and doesn't have a house, which girl would be willing to marry him? Parents are also worried if their son cannot marry a wife. Therefore, plan for him in advance and provide material protection in advance. In addition, if he has good character, better quality, correct outlook on life, good grades, and goes to a good school If you have a higher foundation, you will naturally have an advantage if you marry a wife.

After reading what everyone said above, I feel so ashamed because I am nearly 40 years old and have no savings. My husband and I are ordinary employees in a new first-tier city, with a combined monthly income of 10,000 When we were in our early 50s, we had four houses, one for the elderly to live in, one for us to live in, and the other two for rent. One of them had a mortgage of 1.1 million. Recently, we bought a parking space and paid it in installments. In addition, the mortgage had to be repaid every month. It’s about 10,000 yuan. Basically, all the salary is paid to the bank. Fortunately, there are still two apartments with rent subsidies, otherwise it would be impossible to live. A son in junior high school costs 20,000 yuan a year just for tuition fees, and he has to support two children. We have a car, and the family usually does not dare to waste money on food and clothing. The old man is not in good health, and the psychological pressure of being a child is relatively high. We still need to work harder and make more money to alleviate the economic crisis! Personally, I feel that if I don’t owe a bank loan and my family has a deposit of 500,000 yuan, I feel more secure, so work hard.

A 150-square-meter house in a fourth-tier city has basically no cash value. 40,000 per square meter is no different from 4,000 per square meter. You must live in it if you just need it. A Touro costs 450,000 yuan, on the seaside of Guangxi One mortgage for a 100-square-meter house, monthly repayments of more than 4,000, deposits of 7 to 8 million, two girls, my wife is a civil servant, and the salary is only 100,000 a year. I do some wine wholesale business. What is happening in today's society? , all businesses are dead, only about 300,000 yuan a year, total income is 400,000 yuan, the two children spend 4,000 a month, the two of us spend 6,000, the monthly payment is more than 4,000, honoring parents is 4,000, one I spend about 20,000 to 300,000 yuan a year, and if I get hospitalized unexpectedly or travel, I basically have no savings. I feel a strong sense of crisis, and I have no fun in life. I just think about how to make more money, ugh! I still miss the time in the 1990s very much

I am 42 years old and have a house in Suzhou, Huizhou, Foshan and Liuzhou each! Two cars, about 2 million in savings, and 1 million in stocks, but a loss of more than 100,000! I only have one mortgage, and my current monthly income is about 20,000! But life is very tight. The main worries are that I am getting older and my future income will not be sustainable. I dare not invest the money in my hand easily. Except for the house I live in, all the houses in my hand are unpaid off-plan properties. , I bought these houses because I really didn’t know what to do anymore, so I had to use the money I earned before to buy houses to preserve their value. The business I used to do is now very difficult to do, and stocks fluctuate sharply. In the end, I just hope that the value of the house will increase before I sell it! Get some pension money! I would say that in China you need at least two houses in first- and second-tier cities and a deposit of 10 million to live happily and without anxiety!

After the 1970s, in first-tier cities, the couple purchased a house in their own name and had a loan, and their parents gave one house but had not yet completed the transfer. Currently, because the distance for children to go to school is closer, and it is convenient to take care of the elderly, both houses are available. The total rental income from renting is 10,000, and I rent a house myself, with a monthly rent of 3,800 and a mortgage of 2,600. The unpaid loan is 240,000 yuan, the deposit is 850,000 yuan, the monthly income of the two is 11,000 yuan, and the bonus at the end of the year is 45,000 yuan. My son is going to be in the third grade of junior high school this year and his grades are average. A cram school costs about 30,000 yuan a year. I haven’t started one-on-one yet. We use the subway and bus to and from get off work, and our children ride bicycles to school. The car is not needed at the moment and of course I can’t get the license plate number. Green travel is also good, environmentally friendly and saves money. Let the days go by like this. I will be able to retire in more than 7 years and just pay off my mortgage.

Wuhan is a new first- or second-tier city. My husband and I are 42+. We have two sets of elevator houses. One is 126 square meters and has a provident fund loan of 400,000. We just bought the second one, which is 100 square meters and has no loan. One is 350,000. SUV, one parking space, my husband’s annual income is 500,000, I have been working full-time for four years, and now I am working 4,000 a month. A daughter in high school has annual tuition of 30,000 yuan. When I got married in 2002, I had a one-bedroom apartment with a deposit of 20,000 yuan. My parents' pension is low, and the value of a house outside the Third Ring Road is 2.2 million yuan. My husband's parents' pension is low, and the value of a house outside the Third Ring Road is 700,000 yuan. My husband has a 49-year-old brother who has no house and is unmarried. He has spent his life pursuing pleasure with high ambitions and low skills, and has various foreign debts of 700,00 yuan. The elderly on both sides are self-sufficient and have no serious health problems. My current state of mind is a peaceful state of mind. Life is about my state of mind. If my state of mind is not good, I will not feel comfortable even if I live well, wear well, or use well. My daughter's future depends on her own choices every day. As a parent, we can only hope + understand + work hard. Some things cannot be forced! ?

I am 48 years old. I live in a third-tier city in the north. I have a mother, a daughter who is studying in college in the south, a son who will take the high school entrance examination this year, and a wife who takes care of the house at home.

I am the only one working hard outside, but through the continuous efforts of the two of us, our family now has three houses, one shop, and three stores, with a small deposit, which is enough! I feel that a country, like our little family, must develop industry to save the country and settle down. With the normal operation of three stores, I continue to expand the number of stores... I believe that our family will get better and better in the future. Money, the third First, I need to train my next generation well so that they can have the ability to survive independently in the future. I also need to take good care of my mother, go to the hospital for treatment when she gets sick, and train my store's employees who are capable, responsible, and motivated. I want to use my leverage to ask them to take over my business in the future, and then the two of us will travel around and spend our remaining years in peace! Money is not meant to be left to future generations, so that they can live a lazy life and live the next life with you. Let "money" turn into energy and motivation that enables everyone around you to live an active life and continuously create value!

Just looking at family income is of little significance. We are in a second-tier city. We have just replaced a house with two bedrooms for three bedrooms. We have a loan of 1.2 million yuan and we still have about 1 million yuan in deposits. My husband works alone and earns more than 700,000 yuan before tax this year. Thanks to tax cuts, his salary after tax this year will be about 550,000 yuan. I have two children at home, a son and a daughter. A friend said that based on my husband’s income, we could change our house to a better one. In fact, we are under a lot of pressure. Both parents are from rural areas and are currently in good health. They receive an alimony of 10,000 yuan a year, plus the cost of shopping, so the cost of supporting the elderly is 20,000 to 30,000 yuan a year. It costs RMB 20,000 a year to maintain a car, and RMB 30,000 a year to take interest classes for my daughter. My son will also go to kindergarten this year, and the interest classes will also cost him RMB 30,000 a year. The average household expenditure is 10,000 per month. Consumption in second-tier cities is high, so I live a very frugal life. My annual household expenses are 200,000 yuan. In a few years, the elderly on both sides will get older and have some illness or something, and we will still have to pay for medical expenses. I have a son at home, and I have to buy a house for him to keep his wife’s book. I don’t want to wrong my daughter, so I want to try my best to get a small house or a million-dollar dowry for my daughter. It feels like money is needed everywhere. It's not easy for us in rural areas. We start from scratch and have to rely on ourselves for everything. The elderly on both sides can't help us at all. They can't contribute money or effort. We still have to pay alimony and medical expenses. It’s a lie that there’s not much pressure, but with our efforts, our children will be able to live more comfortably in the future. Each generation becomes stronger than the previous generation, and that is enough.