You may not believe that if young people under the age of 30 can have no debts and keep their savings of more than 10,000 yuan for a long time, it is really a very remarkable existence, leaving their peers far behind.
Is 10,000 yuan a lot? To be honest, it is not an astronomical amount, and many friends have already achieved a monthly salary of more than 10,000 yuan.
However, for young people, especially friends under the age of 30, 10,000 yuan has become a moat, so close and so far away, there are very few people who can really reach this level on their own.
According to the statistics of a bookkeeping software, the balance of young people's deposits varies from province to province across the country, and generally speaking, the per capita savings of young people in first-tier cities are relatively high, such as 98,000 in Beijing, 97,000 in Shanghai, and 66,000 in Guangdong.
The bottom provinces are far behind, with only 22,900 in Tibet, 23,500 in Guizhou, and 24,200 in Heilongjiang, with a gap of nearly four times.
Of course, there are also many netizens who have thrown out topics on the Internet, discussing how much savings young people under the age of 30 should have, and netizens have said, "What is a deposit?, how come I have never seen it!"
Don't look at the provinces with the lowest per capita savings of more than 20,000, I think that young people under the age of 30 are very rich, and they are in their 40s and their pockets are empty.
First, I got married too early and didn't have much savings.
Although everyone gets married late, there are also some friends who have entered the palace of marriage at a young age and have "started a family" before the age of 30.
This kind of friends, the family savings are naturally relatively small, not to mention that the money spent on marriage is the money of the parents, after getting married and having children, the family's expenses will only increase, and it is more difficult to save some money.
Parents can make up a down payment for their children at most, but the monthly mortgage and car loan have to be borne by the younger couple, including the necessary expenses of the children, and it is very good that the annual income can cover the expenses.
As a result, most of these young people are on their way to paying off their debts and have little savings.
Second, I just graduated and haven't been working for a long time.
According to the time calculation, if the road to study is relatively smooth, the fastest time to complete graduate school is 25 years old, before the age of 30, it will be less than 5 years of working time, if it is a doctoral graduate, it is almost 30 years old.
Even if the starting point is high, the monthly income of young people who have just joined the work is the average of the industry, or even below the average, and it is not enough to ensure their normal money every month, let alone save money.
There are many young people in our bank, and they have to rely on their parents every month to help, otherwise they may not be able to pay the rent, especially now that young people spend money more lavishly, and the salary level cannot meet the needs of life in the short term.
So, it's good that these young people can be self-reliant, don't expect how much money they can save.
Third, they like to spend ahead of time and are in debt.
There are also some young people who graduated from bachelor's degree and don't plan to get married so early, and they have entered the society relatively early.
It stands to reason that this group of young people should be the main force of savings, and their account balances may pull up the per capita savings level of the group, but the reality is much more complicated than imagined.
Many young people pursue fashion, like to consume ahead of time, take extravagance and waste as a habitual thing, feel that they have a certain ability to make money, and their income will be higher and higher in the future, so they have no control over their consumption.
Then, only those young people who have a clear goal and work hard can save some money.
As the old saying goes, "a penny is hard to beat a hero", it still makes a lot of sense, it seems that it is easy to save 10,000 yuan, but when you really ask young people to take out real money, you will find how great it can be.
Don't think that there is no need to save money if you have less money, and don't think how easy it will be to make money in the future, the market is changing at any time, and you must know that the funds will be "put in your pocket" as soon as possible, so that there will never be a mistake.