At your current wage level, how much money can you save to achieve, the so-called economic freedom or wealth freedom? This criterion of economic freedom and wealth freedom corresponds to each city differently. But even if we follow the minimum threshold standard, according to the minimum actual situation, then at least our own fixed discretionary deposits should be more than 3 million yuan, I think this is a minimum threshold, it can not be lower.
And it is calculated according to the current price level, if it is said that in a few years, for example, in another 5 years or 10 years, this 3 million is going to be improved, because over time, the economic aggregate is growing, the price level is also growing, then the purchasing power of money, under the same conditions it is a state of depreciation. So today's 3 million and 5 years later or 10 years later 3 million, it is not an equivalent relationship, we will explain the minimum standard of financial freedom according to today, I think at least their own deposits should reach more than 3 million.
The deposit contains a lot of information, first of all, he has a deposit of 3 million, which means that he has no personal debt. Second, individuals should own at least one fully fully owned home. Of course, this deposit is one thing, but we should also have a fixed income, if there is no fixed income, your deposit will become less, then after becoming less, you will not have this threshold, and you still do not have financial freedom. So at the very least, the real income of the year, to reach your annual consumption expenditure, do not use this deposit to maintain above this level, then you belong to the state of wealth freedom.
If we have more than 3 million deposits, then we can achieve corresponding profits by investing in financial management. According to the annualized yield of 5%, then it is equivalent to you can reach a benefit of about 150,000 a year. This 150,000 or so benefit is not completely at your disposal, because a considerable part of us also have to deduct inflation, which brings about the pressure and risk of currency depreciation. Then the real possibility that you can freely dispose of it is about half, about seven or eighty thousand yuan. Let's think about whether the seventy or eighty thousand yuan can maintain your daily needs, I think that for a person who has achieved financial freedom, it may not be able to maintain the needs of a normal life.
So what to do? It should be said that you also have to have a career, whether you are working or starting your own business, in short, you must have a certain income as the basis. In this way, you can maintain your long-term stable financial freedom, otherwise you have 3 million savings, do not go to work without any income, then this so-called financial freedom is just an empty talk, no practical significance, because in the future, you will always use up the 3 million yuan one day, then you will be destitute. There is no such thing as financial freedom. I think that at least the annual income must be able to reach more than 100,000 yuan, and at the same time have more than 3 million deposits, then it is the minimum threshold of financial freedom.
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