"What is the concept of an annual deposit of 24,000?"
"53.7% of young people have less than 100,000 yuan in savings"
"It's easiest to save money in the first few years of work"
"How many deposits are required at 30 to qualify?" ......
Recently, words about young people, deposits and other words have emerged endlessly, frequently appearing on Weibo hot searches, and have received widespread attention.
According to the "2023 Young People Saving Survey Report" released by DT Research Institute, most young people have insufficient savings.
Among them, about one-fifth of the people have deposits of less than 10,000 yuan, and 53.7% of young people have deposits of less than 100,000 yuan.
The above data was interviewed by 1852 people, of which the ratio of men to women was 4:6, and 7% was more than 90 and 95.
Nowadays, contemporary young people have experienced the impact of the epidemic, experienced the situation of colleagues and friends around them facing layoffs, have realized the various uncertainties that may exist in social life, and are more aware of the security and security of savings due to risk response considerations.
Saving money is a kind of self-protection behavior for young people to cope with the powerlessness of social life, and it is also a manifestation of young people's return to rationality.
Therefore, young people are aware of saving money.
So, what factors cause young people to not be able to save money, with only 46.3% of them saving more than 100,000?
The most direct economic reason is obviously because "you earn less and spend more".
Living in first- and second-tier cities, with higher living costs, more consumption channels, more material temptations, and unstable incomes, at least half of young people are powerless and lack savings.
Behind this situation, it is even more conceivable that the pressure on urban youth is enormous.
1. Employment is not easy, competition for finding a job is fierce, and the involution is serious.
In the first half of this year, official data showed that the unemployment rate of young people aged 16-24 has been at a high level, reaching 21.3% in June, the highest value since statistics began. Subsequently, the Bureau of Statistics no longer released this data, which caused widespread concern and discussion from the outside world.
The Ministry of Education estimates that the number of graduates of ordinary colleges and universities nationwide in 2023 is expected to reach 11.58 million, an increase of 820,000 year-on-year, and the average monthly active users (MAU) of Boss Direct Recruitment will reach 43.6 million.
It is clear that the paradox of structural unemployment is intensifying and the challenges facing young people are even greater.
The three years of the epidemic have been three years full of tests for young people, the economic recession in the general environment, many people's incomes have been seriously damaged, so that many young people realize the importance of stable jobs, "involution" has become the norm, and the competition for "good" jobs has become increasingly fierce.
The total number of applicants for the 2023 national examination reached 2504933, an increase of nearly 480,000, an increase of 276%, compared with the same period last year, exceeding 2.5 million for the first time, setting a record high. More than 2.5 million people competed for 37,000 jobs, with a recruitment ratio of 60:1.
In addition, even if you are successfully employed through various channels, you will face social pressure and psychological pressure brought about by competition at work, and it is indeed too difficult for young people.
2. It is difficult to buy a house and the cost of living is expensive.
Traditional Chinese people are obsessed with houses, and most people believe that "if you have a house, you have a home", so the enthusiasm for houses has remained high. At the same time, high housing prices are prohibitive.
According to international practice, the price-to-income ratio is generally 3-6 is more reasonable. However, the ratio of house prices to income in cities such as Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou is 20-30. The high cost of living (including housing prices and rents) makes the living burden of young people very large.
3. Pension pressure.
According to data from the National Bureau of Statistics, the annual birth population in 2022 was 9.56 million, the birth rate was 6.77‰, the birth population was 1.06 million less than in 2021, and the birth rate decreased by 0.75‰.
The aging rate has further increased, with 280.04 million people aged 60 and above, accounting for 19.8% of the national population. The aging rate has increased by nearly one percentage point compared to 2021, approaching the level of moderate aging. At present, about one in every three workers needs to support an elderly person over the age of 60, and with the miniaturization of family size and the continuous increase of the elderly population, the pressure on the elderly will continue to increase.
In addition, in addition to the pressure of old-age care, young people also have pressure from children's education, work unit, social communication, and other aspects.
Although every generation has its own pressures, the challenges facing today's young people are undoubtedly enormous, given the current pace of social transformation and urbanization.
Everyone needs to obtain from society the resources and opportunities they need to survive and thrive.
These resources and opportunities will not come out of thin air, so every member of society will inevitably have to bear pressure from all sides, and the pursuit of high-quality life by contemporary young people has invisibly increased their own pressure.
All in all, the so-called stress is often an anxious and tense psychological state produced when people cannot achieve their own expectations and goals for various reasons in social life. The so-called "ideal is full, reality is very skinny", the greater the gap between ideal and reality, the greater the social pressure felt by the individual.
May each and every one of us stand tall in this challenging and stressful environment, realize self-worth, and achieve spiritual self-consistency.