What do you think of the recent data that experts say that the average cost of raising a baby to graduate from undergraduate is 680,000 yuan?
According to the report, from the beginning of pregnancy to the child's graduation from university, the average cost of raising children aged 0-17 in Chinese families (excluding Hong Kong, Macao and Taiwan) is 538,000 yuan, and the average cost of raising a child from undergraduate graduation is 680,000 yuan. Among them, Shanghai, Beijing, and Zhejiang are still the three regions with the highest cost of raising babies, with 1.01 million, 936,000, and 855,000 respectively. In addition, children from urban and high-income families are higher than children from rural and low-income families. The report estimates that in China, raising a child until the age of 18 is equivalent to 6.3 times GDP per capita.
"The high cost of childbirth is one of the most important negative factors affecting the fertility willingness of families of childbearing age. Liang Jianzhang emphasized. In 2023, the number of births in China will be 9.02 million, and the birth rate will be 6.39 per thousand, both hitting the lowest level since 1949. China's birth population has been declining since 2017, and the number of births in 2023 is less than half of that in 2016.
In this regard, relevant experts led by Liang Jianzhang also continue to call for the national level to introduce policies to reduce the cost of childbirth for families of childbearing age as soon as possible. These include cash subsidies, tax and social security exemptions, subsidies for housing purchases, the construction of additional nurseries, equal parental leave for men and women, the promotion of hybrid work, the introduction of foreign nannies, the support of assisted reproductive technology, the protection of the rights and interests of single-parent families, the abolition of the high school entrance examination and the shortening of the school period. Among them, the development of inclusive childcare services, the provision of equal maternity leave for men and women, the promotion of home office, the introduction of foreign nannies and other policy measures, to reduce the time cost and opportunity cost of women's childbirth have direct and effective help. ”
In the author's opinion, this report has a certain degree of reasonableness, but there are still two very serious issues that have been deliberately ignored.
First, the number of 680,000 is low
The author thinks that this data calculation is too conservative, probably for fear of scaring everyone. The author believes that an ordinary urban resident above the third tier should raise a cub from 0 to graduation, and prepare at least 80-1 million yuan for clothing, food, housing, transportation, education, etc.
For example, from the beginning of preparing for pregnancy, the various supplements taken are not counted in this data, but these costs are not low.
For example, when children and toddlers, the price of various infant products is very unreasonable, a certain treasure and a certain Dongsou, infant products, in situ than ordinary commodities premium of more than 30%, do not believe you search for straw cups and pregnant women's straw cups. Baby products, why is it so expensive?
Since the child goes to kindergarten, at least one interest class of various music and physical beauty should be enrolled, right? How much does it cost? Now the price of these interest classes is really not low.
How much does it cost for children to make up classes from elementary school? Where is the cost of education? For example, when taking the university entrance examination, Liaoning's new college entrance examination reform is basically that the easy questions are not examined, all the difficult questions are changed, and a super-outline question is added, which is called a quality innovation question.
The so-called super-syllabus is to tell you what we want to take the university exam, what is number theory and advanced mathematics, and then let you immediately go to study and do it. We don't know, and we don't dare to ask, but if it is reformed like this, will it require teachers to make up the lessons? Otherwise, who can teach children to do these extracurricular problems? The bigger the city, the higher the cost of making up the lessons. One of the typical counter-examples is those junior high school and high school teachers in big cities, who secretly go out to make up for classes, which family is not very rich, and luxury cars are flying.
Those who don't want to take the college entrance examination have to go to art majors such as music and physical beauty, and these majors will cost more money.
Only the cost of this four-year undergraduate, more than 140,000, is still relatively reasonable, and the other costs are estimated too low. But the problem is that a bachelor's degree is simply not enough, and many people choose to further their studies in graduate school. Domestic graduate students are cheaper, and now more than 1 million master's students a year study, and the cost of providing a cub to graduate with a master's degree will add at least 100,000 yuan. If you are studying abroad, the cost will be hundreds of thousands or even millions of muscles.
Second, doesn't the child care after graduating from college?
A child spent nearly 1 million yuan at the cost of the family, and finally graduated from college, and the job he engaged in was most likely an ordinary worker with a monthly salary of 5,000 yuan. It is almost impossible to solve the matter of marriage on your own.
According to the 2022 average wage data released by the National Bureau of Statistics, the average annual wage of employees in enterprises above designated size in 2022 was 92,492 yuan, a nominal increase of 5.0 percent over the previous year, the average annual wage of employees in urban non-private units was 114029 yuan, an increase of 7,192 yuan over the previous year, a nominal increase of 6.7 percent, and the average annual wage of employees in urban private units was 65,237 yuan, an increase of 2,353 yuan or 3.7 percent over the previous year.
Even if the child has a good job and enters an enterprise above designated size, the annual income is 92,000 yuan, and even if the child is admitted to any profession such as a doctor, teacher, or civil servant, or enters a large enterprise, on average, the annual income is only 114,000 yuan.
What do you do with this income?
When a child graduates from a bachelor's degree at the age of 22 and goes to work, he will immediately think about falling in love, getting married, and starting a family, right?
After the child goes to work, the parents still need to spend at least 100-4 million yuan to buy a house for the child, pay a down payment, buy a car, as well as the bride price and dowry for the marriage, as well as the meeting gift for the child's child.
What is the education cost of 1 million?
Like this diagram
In Dalian, Liaoning Province, an ordinary second- and third-tier coastal city, it costs at least 1.5 million yuan to buy a similar wedding house, and we will calculate it according to the school district and the house with an okay house type.
For a house with a total price of 2 million, the down payment is 600,000 yuan, plus taxes and other messy things, at least 700,000 yuan, right?
Buy a decent car, about 200,000 yuan.
Although the local girl in Dalian does not want a bride price, she also looks down on ordinary workers, marrying an ordinary daughter-in-law in the Northeast, the bride price and three golds cost 100,000 yuan, and the wedding is 100,000 yuan, which requires 200,000 yuan.
This adds up to 1.1 million ~ This money is basically a one-time arrangement within a few years. But the problem is, no one can save 1.1 million belongings in a few years, so the cost of purchasing these garages must also be evenly spread into the cost of the child graduating from college at the age of 0-22 for more than 20 years.
Therefore, raising a child from 0-22 years old, the basic cost is 80-1 million, and the cost of supporting is at least 110, on the whole, the cost of raising a child is at least 2 million yuan.