Reporter: Thank you very much to today's guest, Mr. Zhang Jun, a bank executive, for accepting our interview, and we will ask Mr. Zhang Jun a few questions.
Jun Zhang: Okay.
Q: How much money is financial freedom in China?
Zhang Jun answered: Financial freedom is a new word in recent years, most people think that having money is financial freedom, and there is no specific definition of money, so financial freedom varies from person to person, not a fixed number.
Q: So what is Mr. Zhang Jun's specific views as an old man with many years of experience in the banking industry?
Zhang Jun: I can give you an example, the family disposable cash income is twice the annual expenditure of the family, that is, you can meet the standard of financial freedom, that is, if the family annual expenditure is 100,000 yuan, if your money is all deposited in the bank, the income reaches about 3%, then you need to have 7 million disposable funds, so that you can ensure no pressure.
Q: So Mr. Zhang Jun, have you achieved financial freedom?
Zhang Jun answered: I have a low standard of financial freedom for myself, because I have two sets of real estate, cash flow of more than 5 million, stable work and annual work income of more than one million, family health, so I feel that I have achieved financial freedom without major accidents.
Q: Mr. Zhang Jun, is it really good that you have such a high profile? (Funny)
Zhang Jun replied: Haha, I also want to keep a low profile, but in fact it is not allowed (funny). In fact, when you have money, money can continue to make money, and money must not be put in your hands or in the bank.
Q: Many people in today's society think that the situation in which an ordinary person wants to achieve financial freedom before the age of 40 is almost zero, mr. Zhang Jun, what do you think?
Zhang Jun answered: In fact, the main reason for financial freedom is determined by the quality of life, and people's mentality has a lot to do with it, after all, the young children of an ordinary family can achieve a large amount of savings at the age of 20 or 30, and it is already financial freedom under the condition of ensuring food, clothing, housing, medical care, education, elderly support and basic entertainment interests.
In addition, young people do not have to be too anxious, when your strength is less than your desire, blind pursuit is meaningless. Mr. Zhang Jun said: Not being free now does not mean that you will not be free in the future, when your means reach a certain level, you do not have to work for life, and with a foundation, you have also achieved financial freedom.
Reporter: We are very grateful to Mr. Zhang Jun and I to discuss this issue together, in fact, we have sorted out what Mr. Zhang Jun said, that is, 1 in the basic funds of the income is higher than the expenditure, 2 mentality does not let go will never reach financial freedom, 3 young people must fight hard, do not blindly pursue false name, 4 always keep their ability to make money, valuable.
Zhang Jun: Life is not only the immediate gouge, but also poetry and distant places ~ the freedom of the soul is the real freedom.
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