Because the definition of "lying flat" varies from person to person. If your cost of living is low, then 320,000 deposits may be enough for you to live comfortably. However, if you have higher life expectations or greater spending needs, this 320,000 deposit may not be enough to meet your needs. In addition, deposit rates and inflation rates also affect your real purchasing power. Therefore, it is best to assess whether "lying flat" has been achieved on a case-by-case basis.
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