We should remember that the balance of the treasure just listed in 2013 or so, at that time, about 10,000 yuan in the daily return of about 1.5, but now the 10,000 daily return of only 0.63 yuan, and can be sure that this return is gradually reduced. Assuming that this return is fixed, how much do we need to meet our living needs today? Just to a second-tier city workers to calculate the cost of eating a day in accordance with the standard of 50 yuan plus other expenses a month is the bottom of the 2000 yuan to do. Then to achieve a monthly interest income of 2,000 yuan, then at least in the balance deposit of about 1.05 million. If the subject's goal, deposited 180,000 a month only 340 yuan of income, perhaps used to pay the electricity bill, cell phone bill is still feasible. Of course if the income of more than 300 yuan a month, perhaps in poor rural areas can still make ends meet, but to live in the city is certainly not.
The balance of the treasure and other financial products can only be used to earn money, but to rely on this is certainly not realistic
First, for most people rely on the salary or the balance of the treasure to get rich is certainly not feasible. Often in the message area to see a lot of friends spouting today's high housing prices, high consumption, low wages, it can be said that everyone wants to have a high-income job. But in our country even if the world this high-income jobs are scarce, for most people today's wages are income just to maintain a normal life and consumer demand or pay the mortgage, but to rely on wages to get rich is certainly not realistic.
Second, efforts to improve their skills and earning capacity is the majority of today's working people should do things. I remember more than once in the article mentioned that many people living in the first and second tier cities not only to work on weekdays, and even on days off or after work will go to play a piece of work. There was once a netizen who shared the example that one day he called a dropshipper to go home from work, only to find out that the driver was his manager when he got on the bus. It can be said that none of the people living in the city today are living a slack life, and it is the pressure of this life that makes these people work hard, and that drives the city to develop more rapidly.
In summary, for the elderly (over 60 years old) may be able to have in the bank or the balance of money to save some money to eat the interest of the idea of old age, but for young people to get more wealth, you must improve their ability to earn money. Nowadays, society is still relatively fair for capable people, as long as they are willing to work hard not afraid to earn money. The roadside so many courier boy, takeaway boy and not lack of monthly income of more than ten thousand, the key is still to look at your own willingness to do not want to do. What do you think? Welcome to actively leave a message, comment, like, forward comment oh.
I don't know if the person who raised such a question is a young man, if so, it's really scary, a district of 180,000 deposits in the balance of the treasure do not want to work to live on interest, if you do not want to start a family, a life of rough life, a month of more than three hundred of the income of starvation is starving to death, but this more than three hundred of the interest rate than the wages of retired workers are still low, you do not feel ashamed?
The young people most taboo is laziness, the world is not afraid of stupid, terrible is lazy, lazy people are destined to achieve nothing. So young people must be practical and progressive, hard work, we suggest that you take this 180,000 and then go to read a skills certificate, even if you go to read a chef's license to find a good job, the return is certainly better than a month of more than three hundred interest.
If it is older people, have a pension, to the balance of 18 million, more than three hundred interest per month to pay utility bills or feasible.
In this society, there are many opportunities to make money, do car drivers, delivery can support themselves, find a unit as a driver, do cleaning, do housekeeping, monthly income of a few thousand dollars. The most fearful thing is that you are young but not enterprising, which is the saddest.
Can!
The current balance treasure seven-day annualized return of 2.4%, ten thousandths of the return of 0.66 yuan, that is to say, 180,000 a day can get 11.88 yuan, a month is 356.4 yuan, a year's return is 4336 yuan!
This number is really livable for some people.
In the mountains, a widowed elderly person's yearly living expenses are only 1,000 yuan;
In the mountains, a group of reading children's living expenses may only be 500 yuan;
A great majority of children in the mountains are in the state of eating only one meal a day - getting up very early in the morning and walking several kilometers or even
If this is your living situation, then there is no question that you can get by!!!!
But!
If one is living in the city, can one live with $180,000 sitting in a 2.4% yielding money fund? This question is a joke.
Maybe relying on your 180,000 savings can allow you to support two years, but when you 180,000 exhausted, you will certainly be good to go back to work.
So, if you have time to think about such naive ideas, you might as well work hard to make money.
Not to mention, 180,000, even if it is 1.8 million, you may not be able to live on the interest of Alipay!
Because the future of life is that prices are getting more expensive and money is getting devalued!
It may be a bit difficult to live without food and clothing, but it's still possible to live tightly!
I used to have that thought, and I also used to have the idea of saving my money in a balance deposit and eating the interest. You know, the balance of the seven-day annualized return of up to 7% over, that time, a large number of users to deposit their money into the balance of the treasure. Well, now can make our lives clothed and fed? Or is it tight?
Now the seven-day annualization of the balance treasure is about 2.4040%, and the 10,000 points of return is 0.6453 yuan (as of August 4, 2019)
We calculate according to the formula for calculating the 10,000 points of return of the balance treasure, 18x0.6453 = 11.6154 yuan. A month's return is 348.462 yuan, although the monthly salary of 348 yuan is not much, but if you eat less, life is a little straitjacket, do not need to pay the mortgage, car loan, the money can still be able to tightly over.
But if you have a mortgage, car loan, and family, children, etc., then the 348 dollars may not be enough!
In my case, the monthly mortgage payment of about 2,500 yuan, according to this calculation, far from enough for my monthly expenses. So, if you want to live a little comfortably, it's really hard to live well on just $348.
Note: The 10,000-point return on Balance is different depending on the fund. We can change the fund with high yield by checking more products in the interface of BalanceBuy.
18w can not go to work, courageous, not to mention other rich people, take me as a poor man, a month of fixed expenses 6000, living expenses, other expenses 2000-3000, the occasional go out to eat a meal, 1000-3000, not counting the cost of the car, so the average down to the monthly expenditure of 1w, completely unable to support a family. If you are a person who manages everything, your own food, clothing, housing and transportation, a minimum of 2,000 a month, I also dreamed of living on interest, but the dream is to wake up, and then look at their own savings, or stick to the part-time job to go to work.
Often see similar problems. In the bank to save 1 million can not work? Buy 500,000 financial management can not go to work? In the bank to save 5 million interest enough to live? Here there is a balance treasure inside the deposit of 18 million, every month by the interest together with the life. The truth is that there is this idea is very scary, especially young people.
It is indeed the nature of man to be good at what he does. Sometimes for the poor, this vice is more obvious. All want a small sum of money after not laboring, not working, living on interest. Those with higher incomes will instead be more industrious. Just take a look, how many entrepreneurs are working until their 80s or 90s before retiring?
Li Ka-shing was born in 1928, retired from the property company in 2018, and is 90 years old in 10 years. The stock god Warren Buffett was born in 1930, and is still working in the company, regularly attending company-related meetings.
Although it is not possible to become very rich through labor, but there is no problem to support the family. People who are not in good economic conditions, their most abundant economic resource is labor. Without capital, without land, without technology, selling labor is the most important means of survival and development. I have lost this instinct given to you by God, so how can you be of any benefit to the society?
Not to mention that in the balance of the treasure inside the deposit of 180,000 yuan, is to save 1 million yuan, your quality of life you can not go anywhere, only able to maintain your survival only. Moreover, with inflation, the purchasing power of this 1 million dollars of interest is getting lower and lower.
Now the balance of the annualized rate of return of only 2.3% or so, has been higher than the bank term to go, 1 million yuan deposit itself is only 23,000 yuan of interest. Then 180,000 yuan produces a pitifully low interest rate of just over 4,000 yuan, which translates into less than 400 yuan per month. 400 yuan is what the concept is. Nowadays, the monthly subsidy given by the State to every low-income household is this amount. A person with 180,000 yuan in savings is willing to live at the same standard of living as a low-income household? This is too unprofitable!
There are 180,000 yuan, out of which half of the relatively cheap sedan to run a drop, a little more diligent, a month of net income of four or five thousand dollars, compared to the interest you save the balance of a year. In contrast, is not think put 180,000 yuan on the balance of the treasure to sleep, too unprofitable?
No need to be so complicated, 1.8 dollars to buy a bowl, squatting on the side of the road every day can also live
Brother, you dream? By 18 million assets want to not go to work from now on to enjoy the free ah, people 1.8 million, 18 million people have not dared to think so, you're really good, 18 million nowadays are not money, assets, but not ten million are not rich ah.
1, the balance of 18 million no interest:
18 million, you know how much the balance of the treasure yield now? Hold up 2.5% up and down, sometimes less than, on this yield is not as good as a fixed-term deposit it. 18 million put balance treasure, according to the current earnings every day 10,000 of the proceeds of absolutely no more than 1 yuan, my side when the forward is Cathay profit is, 7 days annualized return is 2.3730%, 10,000 returns 0.6384.
I calculate for you in the balance of the treasure of 180,000 per month can earn how much interest I Even if the 10,000 shares of income 80 cents it, 180,000 a day is 0.8x18 = 14.4, so that a whole month down to 14.4x30 = 432 yuan, big brother, you are sure to rely on this more than 400 yuan a month can live! To really can, you cattle, little brother admire, modern society and in the city can rely on a few hundred dollars to survive, your ability to survive is very strong, really strong.
2, bank deposits are stronger than the balance of treasure:
Brother, you are not in the Alipay and the balance of treasure propaganda poison, so you think only the balance of treasure can help you earn interest? In fact, 180,000 even throw the bank fixed-term, this return is much stronger than the balance treasure. The current savings deposits 3-year basic have a return of about 3.8%, micro-banks as well as some small and medium-sized banks can have a return of more than 4%, much stronger than what the balance of treasure.
In addition, if you want to take interest savings deposits every month, there are also bank counterparts, such as Minsheng Bank has a monthly interest on the deposit mode, over 50,000 of the proceeds do not remember correctly if it is given 4%, and then give you a monthly settlement. According to the 4% return to go, you can have 600 yuan per month, can be stronger than the balance of treasure.
Finally, big brother, we are the people of the new era, can not be a little fighting spirit, only earned 180,000 want to enjoy the "old age" life, which line ah, but also continue to work hard to earn money ah, want to not work to eat interest, how to earn to 180 million ah. Now the situation in the country, 10 years to earn a million or so is not a big problem, only brain good, willing to suffer, this money is nothing ah.
Left-handed investment, right-handed writing, I am Jin Chengcai
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We can actually do a very simple experiment!
We can actually do a very simple experiment.
Let's assume that the balance of the treasure, 10% annual profit gain. Of course this is impossible, let's just take the high high.
A very simple math problem.
180,000, 10% a year, then that means you do nothing, there are 18,000 profit gains.
18,000 is probably a concept?
That is to say, you probably average down every month in, according to 2000 dollars to calculate.
Let's just calculate according to 2,000 dollars.
We're going to be able to do that, but we're not going to be able to do that.
So you know how terrible it is?
At this point in time, 2000 dollars a month is enough for what you do?
You think this is a lot of money, but in reality, you have to realize that many people have to spend so much a month just to eat.
If there are no other additional expenses, and you just live to eat, it doesn't seem to be a big deal, at least you can survive.
But this look is not really what you want to pursue.
My answer is to be able to live, but to live a hard life, struggling with the subsistence line.
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Thanks for reading, welcome to exchange, attention.
Often heard similar questions, hundreds of thousands of cash in hand, deposited in the bank or balance treasure, etc., relying on interest can live without working. Every time I see such a question, the subject may not have taken into account how high prices are, how expensive housing prices are, how quickly the yuan depreciates, etc.
Let's calculate it step by step:
1, 180,000 deposited in the balance, how much interest per day?
Currently, the 7-day annual return of the balance treasure is about 2.2%, that is, 10,000 yuan a day there is 0.61 yuan of interest, 180,000, then about 11 yuan a day, a month of 330 yuan of interest.
If a month of living expenses only 330 yuan, then the quality of life may be seriously reduced, can not have a mortgage, car loans, can not buy new clothes, can not fight, etc., every day can only rely on thin rice buns to spend the day.
2, how much monthly income to enjoy the peace of not working?
The prerequisite for not going to work is to have a fixed income every month to meet the daily consumer spending, otherwise you need to lose 18 million of the principal to spend the day. So how much of a fixed monthly income can you achieve without working to still ensure a normal level of consumption?
If you don't include a mortgage, car loan, excluding CPF, social security and other additional conditions, only normal daily consumption expenditure, parents' pension expenditure, basic medical expenditure, you may need about $5,000 to ensure a more comfortable life, and once you encounter financial risks and unexpected circumstances, you still have to use the principal.
3, the balance deposited how much, in order to earn 5000 per month?
According to the current balance of the treasure yield, 7-day annual yield of 2.2%, 10,000 yuan motion 0.61 yuan interest, then the balance of the treasure needs to be deposited in the amount of 2.73 million yuan (5,000/30/0.61), but need to meet the following conditions:
In short, get down to earth to find a In short, get a job, work hard to live a better life, relying on the "interest" is difficult to live a life without food and clothing.