Money, in the eyes of many people, should belong to a very important thing, but it really should belong to the category of things outside the body. Many people pretend that they don't care about money on the surface, but they still care about it behind their backs. Especially after comparing with others, the gap is more obvious. However, the money of the rich is also obtained through their own efforts. As an ordinary person, as long as the economy is above food and clothing, it is basically enough to have some extravagant consumption occasionally.
According to the Survey Report on Urban Depositors in the First Quarter of 2022, 54.7% of residents tend to "save more" in terms of consumption, savings and investment willingness, an increase of 2.9 percentage points over the previous quarter; Residents who tend to "spend more money" accounted for 23.7%, a decrease of 1.0 percentage points over the previous quarter; Residents inclined to "invest more" accounted for 2 1.6%, a decrease of 1.9 percentage points over the previous quarter.
Different from the large increase in residents' deposits, the willingness to consume is declining. Statistics from the National Bureau of Statistics show that in April, the total retail sales of social consumer goods decreased 1 1. 1% year-on-year. From June 5438 to April, the total retail sales of social consumer goods decreased by 0.2% year-on-year. At present, the conflict between Russia and Ukraine remains unresolved, the international energy and food prices remain high, and the external imported inflationary pressure still exists.
It stands to reason that people in the age of 40 are most worried about the difficulty of making money to support their families, provide for the elderly and raise children. Their lives cannot be separated from the word "money". No wonder some people say that young people are not afraid of having no money, and it is the most "terrible" to have no money in middle age. So, how much money and assets does a 40-year-old middle-aged man need to meet the "standard"?
In fact, there is no fixed definition in this respect, and many people don't know how many people have reached the standard of the qualified line. You know, the gap between the rich and the poor in China is very obvious, that is to say, you can't come up with a specific data, such as 200,000. Putting it between Shenzhen and a fourth-tier city obviously doesn't explain the problem. Some people may earn 0.2 million/200 thousand a year, but in small cities, such income is basically more difficult than going to heaven, and it is already the top income in cities.
For this problem, we can first look at several authoritative judgment standards in society. The first is the social per capita wealth standard. According to the data of 202 1, the total social assets in China have reached 1655.6 trillion yuan, while the net social wealth has reached 675.5 trillion yuan, of which about 76% is the wealth of the residential sector. Calculated, the total wealth of residents has reached 5 12.6 trillion yuan, which means that the per capita wealth has exceeded 360,000 yuan. In other words, according to this standard, when a person is 40 years old, as the main force of the family, he must at least reach 360,000.
Secondly, if people want to meet the standards of the middle class at the age of 40, only those who still spend a lot of money and invest a lot can be considered middle class. According to statistics, the annual income of families in first-tier cities should be more than 300,000 yuan, and the annual income of other cities should not be less than 200,000 yuan to meet the standard. It can be seen that the annual income of a middle-aged person needs at least 200,000 yuan.
Finally, according to most people's "inherent" standards. First of all, the report released by the central bank shows that 96% of families in China now own houses, which means that owning a house is one of the standards. Then according to the statistical reports of relevant departments, by the end of 20021,there were 439 million motor vehicle drivers. Almost half of the people in our country have cars except those who are under the age of driving and those who are over the age, so owning a car is also one of the standards.
In addition, according to the latest data released by the central bank, China's resident deposits have increased by 54 1 trillion yuan. According to relevant data, it is known that the per capita deposit is nearly 77,000 yuan. As can be seen from the above data, a middle-aged person needs a deposit of about 77,000 yuan to meet the standard on the premise of having a house and a car.
Of course, a person's consumption can also judge whether he meets the standards. According to the latest data released by the National Bureau of Statistics, as of the end of last year, the per capita consumption expenditure of Chinese residents was 246,543,800 yuan. If divided by urban and rural areas, the per capita consumption of urban residents is about 30 thousand yuan. The per capita expenditure of rural residents is 6.5438+0.6 million yuan. It can be seen that two adults in the family spend about 48,200 yuan a year.
At this time, some people may think, how much does it cost for a couple to support four old people and raise 1 child without a mortgage? According to the Trend of Innovation and Investment in Health Care Industry in China in 2020, the average annual consumption of the elderly in China is about 14945.6 yuan/person, and that of four elderly people is 597.824 million yuan.
According to statistics, a family's expenditure on raising children is about 5262 yuan/month, so the annual expenditure is 63 144 yuan. Then calculate the consumption of husband and wife separately. According to the latest per capita expenditure of 202 1 published by the National Bureau of Statistics, the total expenditure has exceeded147,000 yuan. In other words, the annual income level of husband and wife must reach at least 1.47 million yuan. Of course, there is more than that. After all, the expenses in life are not fixed, and we also need savings for emergencies.
Of course, there is no uniform standard for how many assets a person should have at the age of 40. After all, the environment and cost of living of each person and family are different, and there is no stipulation on how many assets must be achieved to qualify. In fact, as long as life is getting better and better, it is already "qualified".
Therefore, for most people, there is no need to feel anxious, and don't care too much about how much property you have in your name, whether you have a house or a car. After all, everyone may also have a ruler in mind to measure. I wonder how many assets you have when you are 40? How many assets do you think 40 years old should have? Are you up to standard?