Yesterday, my daughter-in-law and I discussed whether to have a second child, our family is now a daughter, 1 and a half years old, she feels that her daughter is close to me, and she is not close, and wants to have another son
I calculated an account for her, the mortgage is 4000, the family eats 2000, the miscellaneous expenses needed for life are 1000, the child's milk powder education is 2000, the driving fuel cost is 800, and the total cost is 9800 a month
Now I am 34 years old, probably the highest salary time, every month the salary is 12,000, and now there are car loans 2,000 and house renovation bank loans of 4,000 per month, car loans can be repaid in July this year, bank loans will take two years to pay off
Our family spends 15,800 a month, my wife's salary is 5,000, and there is basically no money left every month
Two years later, our family's monthly expenditure was 9800, but at that time, my salary was not known, it was possible that I did not have a job, and this pressure was now overwhelmed
Now think about the mortgage to pay back 30 years, by that time I am more than 60 years old, now doing software development, there are a few who can do until the age of 60, it is estimated that no one wants 40 years old, then how to repay the loan in the remaining 20 years
After the age of 40, my wife and I may be unemployed, so how can we support 9800 per month? A child has to spend 2000 a month, the two children are 4000, 9800 to add 2000, that is 11800, then how do we earn this money
If it weren't for my mother to help take care of the children, I wouldn't have been able to support the family by working alone
So I told her that she didn't want a second child, and that it would be nice if she could live well enough to get a pension
If you are still young, I actually don't recommend buying a house, renting a house for decades is cheaper than buying a house;
If the family conditions are not too good, I do not recommend that everyone have a second child, raising a child is not born on the line, but also to educate her, want to educate her, it will cost a lot of money and energy;
If you have another skill, I do not recommend that you now work on the Internet, Internet work is a job to eat youth, your youth is gone, the work is gone
You can calculate your own monthly expenses, and then calculate the money you earn every month, and then think about buying a house and having a second child and three children