Recently, there has been a topic of discussion on the Internet, that is, how much money can an average family save in a lifetime? In this regard, some netizens gave the answer, if a couple has an annual income of 150,000 yuan, they have an annual deposit of 60,000 yuan. From the age of 25 to the age of 60, the working experience is about 35 years, and the life can save about 2.1 million. In other words, the average family can save up to about 2 million in a lifetime, which is the "ceiling".
In fact, this netizen's algorithm is a bit too optimistic. First of all, even if you can save 60,000 yuan a year now, it is only in the last few years, even more than 10 years ago, when the salary income was very low, and you can't save much money every year. The maximum amount of money a family can save is a long-term accumulation process, and it cannot be measured by how much money can be saved each year now.
Moreover, it is impossible for a family to save money all the time without using it. If you encounter various consumer expenses such as unemployment, epidemics, illness, and buying a house, you must use your family's savings. Obviously, the savings of most households cannot be increased all the time, and deposits fluctuate. Many families encounter consumer spending such as illness, children's education, and buying a house, and the number of savings has dropped sharply all of a sudden.
Finally, being able to save 60,000 yuan a year when you are young does not mean that you will always be able to save money later. The main reason is that after the age of 40 or 50, it is very difficult for ordinary people to find a stable income, and the income is likely to decline.
So, how much money can an average family save in a lifetime? If you are just an ordinary working family, you can save up to 500,000 yuan in this life, which is good. If you are a self-employed person, a freelancer and other flexible employees, and your lifetime savings reach 1 million, it is considered the upper limit.
The reason why we say that ordinary working families can reach a maximum of 500,000, even if it is a "ceiling", is due to the following reasons; On the one hand, according to the data of the central bank in 2015, only 0.37% of accounts with deposits of more than 500,000 yuan were deposited, which means that 99.63% of accounts had deposits of less than 500,000 yuan. Nine years later, the central bank has not raised the maximum compensation limit of 500,000 deposit insurance, which shows that households with more than 500,000 bank deposits are still scarce.
On the other hand, according to the data, by the end of 2023, the per capita deposit in mainland China will be 108,400 yuan. Even for a family of three, the average deposit is only 300,000, which is far lower than the deposit standard of 500,000. Moreover, the average does not represent the median, 60%-80% of households cannot even reach 300,000 yuan, and it is not an exaggeration to say that 500,000 yuan is the "ceiling" of ordinary working families.
Many people may question why the "ceiling" of the savings of ordinary working families is only 500,000 yuan, which is really too low! In fact, in modern society, if a family does not have any debts, it is good to have some savings, and it is quite good to be able to reach 500,000 deposits.
First, the income of ordinary working families is not high, but the expenses are very large, and it is difficult to save much money at the end of the year. Most families have an annual income of 10-150,000 yuan, and daily living expenses, children's education, social entertainment, supporting the elderly, buying a house and saving a down payment, medical expenses, etc., all cost money. After a lifetime of hard work, it is very good to be able to have a deposit of three or five hundred thousand.
Second, if you don't owe a bank mortgage and the husband and wife have a stable income, the deposit can still easily reach 500,000. However, there are now more than 200 million house slaves in the country, and more than 200 million people are jointly repaying their mortgages. In this case, a large part of the monthly household income has to be paid off the mortgage, and the remaining disposable income is not much, so there is not much money to save. Don't say that the ordinary family deposit reaches 500,000 yuan, and the deposit can reach 100,000 yuan, even if it is very good.
Third, people in the past liked to save money, but now many families like to go into debt to spend. According to the data, nearly 90% of the post-90s generation in the mainland are in debt, with an average debt of 130,000 yuan per capita. For these families, it is very good to be able to pay off their previous debts. Therefore, ordinary families can save up to 500,000 yuan in a lifetime, and it is difficult to save more. And groups such as self-employed businesses and freelancers, because they are working for themselves, have relatively high incomes, and their income ceiling reaches 1 million, which is still possible.