If the 50-year-old doesn't even have a bank deposit of 500,000, it is not a failure
It is not a failure at all, saving money is not a skill, it is a master who will earn and spend.
First, 50-year-old people should be born in 1972, can earn money has been after 2000, that is to say, 20 years of accumulation of 500,000, every year have to deposit 25,000 yuan, about 2,000 yuan per month, for people in this age group, how many people can do it? People of this age, to get married and have children, support their families, buy a house and a car, the cost is too large, and it is difficult to say whether the monthly salary can earn 2,000 yuan.
Especially for farmers, how many mu of cultivated land do they have to plant to have an accumulation of 25,000 yuan a year, and even if an mu of cultivated land has a net income of 500 yuan, they must plant 50 mu, and they cannot eat and drink. So how big is our land? Isn't it often said that China has 1.8 billion mu of arable land? If you don't earn 25,000 yuan a year and deposit it in the bank, even if it fails, then farmers across the country have failed.
Even civil servants, public institution personnel, workers, let alone 20 years ago, even now it is difficult to save 2,000 yuan a month, are they also failing?
I really don't know how businessmen make money, but the businessmen around me are not so rich, they are also a little bit of accumulation and scale, these two years, e-commerce development, shop depression everyone must know, making money is not easy.
By this calculation, 99 percent of the nation's population has failed. Maybe only the leaders of those group companies will have the 500,000 yuan deposit you said!
Doesn't it mean that 50 years old fails without a deposit of 500,000 yuan? Is 500,000 assets a failure? Chinese regardless of age, there are many people with assets of 500,000 yuan. If you have a house in the city, anyone has a property of 500,000 yuan.
Second, if a person only thinks about saving money every day, saving money, saving money. Living in the fantasy pile of money, even if there are 500,000, 5 million, 50 billion, life is not necessarily happy, you are just a long-term worker in the bank. As an ordinary person, being able to eat and wear warm, the family health and safety, schooling, medical doctors, housing and cars and savings is the highest ideal, as for how much to save, do not care, can only go with the flow.
Third, the best investment for people is not to deposit money in the bank for interest, but to make money with money, expand the scale of operation, and maintain and increase the value in the form of physical objects. Bank interest will never outpace prices. For 20 years, real estate investment has been the most valuable thing. But now it's coming to an end, and whoever is hoarding is stupid. Population decline becomes inevitable, the existing accumulation of houses can be digested, homeowners, real estate companies thank god you are coming! Even if you want to develop the real estate industry, you must also take the fourth generation of new room types of intelligent and oxygen bar types, which will be sought after by people.
Fourth, the most valuable investment projects in the future
1. Cultivate children to become adults. This is the best investment recognized since ancient times, if the posterity is immoral and powerless, even if you have 500,000, 50 billion they can not keep, if they have virtue and talent, do not need your life to accumulate 500,000 for them at the age of 50, they can also earn a lot of money.
2. Construction projects encouraged by the state. For example, railways, highways, airports, hydropower, wind power, intelligent robots, mining and related machinery and equipment... As long as you seize one of these opportunities and do a good job, you can realize your wealth dream.
3. The line is out of the shape, and the line is out of the flower. But emerging industries are easier to accumulate wealth than traditional industries, they represent the direction of the times, represent the latest needs of the people, do a line of love and drill a line, there are always days when you come out.
