About how much money can avoid the anxiety of survival crisis, it is about (10 million) yuan in Beishangguang and (5 million) in second-tier cities.

Answer over. I hope my answer can help you.

There's always a lot to say,

There is only one thing to say here:

I have no savings,

But not anxious.

Seeing this question, I thought of Wang Duoyu played by Shen Teng in The Richest Tomato. Finally, Wang Duoyu inherited a large fortune, and he planned to donate it naked.

When he was asked to sign, the child who was still in his mother's stomach kicked his mother, and both husband and wife felt that they should leave some for the child.

At first, I asked for a stroke for five minutes, enough to feed the children. What happened? Starting with the diapers of milk powder, going to school, getting married, having children ... I smoothed dozens of meters of paper for a day and a night, and I didn't know how much money to leave.

How much wealth do you have to leave to support your son? How much savings can we have to avoid survival anxiety? For the same reason. Wealth can alleviate production anxiety, but it can't avoid survival anxiety.

I think it should be people themselves who can avoid anxiety. In order to survive, you must learn a skill and have a job to support yourself and your family. Deposits are fixed and may depreciate due to many factors. Life skills are alive, which can bring endless benefits and build people's self-confidence. When you have the confidence to face all the difficulties in life, your anxiety will be weakened.

People have anxiety about survival, mostly because there are many unstable factors supporting the existing living standard, or because the benefits of the work unit are not good, or there is a risk of unemployment, or they will face some other potential uncertain factors. In short, they are worried that once these risks come true, the existing living standard will not be guaranteed, and if they continue to worry about it, they will have anxiety. How much savings do they have to avoid this anxiety? According to the current income of ordinary people in China, if the monthly income can reach 5000 yuan, I believe most people are still satisfied. If you have a deposit of 2 million yuan, it is easy to choose a large deposit from a second-tier bank and guarantee an interest rate of about 4%, so that the monthly interest income can exceed 6,000 yuan. With this income, I believe most people will not have any anxiety about survival, don't you think?

Since it is to solve the anxiety of survival with savings. Therefore, suppose:

1, there are no other sources of income (such as wages and donations), and deposit interest (in domestic banks) is the only source of life.

2, two elderly couples (excluding child support.

3, have their own house, do not have to pay rent, but there is no rent income.

4, good health, self-care, no need to ask a nanny.

5, the residential address is fixed, where, consumption is certain.

6, a certain standard of living, excluding high consumption.

7. Eliminate the extra consumption cheated by natural and man-made disasters.

The above assumptions, the per capita monthly minimum consumption of 800 yuan. Then infer the required deposit.

This is a worrying question. I feel that every age group has survival anxiety. On the surface, this problem has something to do with money. In fact, in this powerful society, what to live by and what to live by is a good question. Some time ago, there was a data on the internet: in a first-tier city like Beishangguang, the money needed for financial freedom is actually hundreds of millions, which is amazing!

Not only do young people who have just joined the work often talk about survival anxiety, but many elites in the workplace also talk about anxiety. Practically speaking, from the perspective of survival anxiety, I think it can be divided into different stages, focusing on discussing the situation of youth and middle age with you.

Generally speaking, the anxiety of survival in youth is mostly temporary pressure caused by career transformation, frictional unemployment or other objective reasons. In view of this situation, it is generally suggested that everyone can have a deposit to meet the living expenses for six months, which should alleviate the anxiety of survival.

If you are middle-aged, this period should be what we call "an old man, a young man, with a mortgage and no deposit". At this stage, the sense of survival anxiety will increase with age. If you just look at money, you should prepare at least one or two years of living expenses for a rainy day. Like this year's epidemic, many friends around us may have to look for jobs again.

Personally, I think it is necessary to reduce the excessive dependence on material life and try to invest money in areas that can enhance your own strength, so that no matter how bad the reality is, you will not be eliminated by the times.

Of course, no matter what happens, you should also decompress yourself moderately and don't be swallowed up by the anxiety of survival.

I can do this problem.

Because my family is on the road of "striving for financial freedom", my wife has studied asset allocation for ten years (she thinks the portfolio has come out), and through the study, practice, exploration, summary and solidification in previous years, she has formed a set of asset allocation model suitable for her, so that family assets will grow steadily in the next few years.

My wife became very confident and calm. She hung a sentence in the study: I will be rich in the end. Her creed is, do a good job in the allocation of family assets, be a friend of time, be a friend of compound interest, let wealth snowball and get rich slowly, and firmly determine and affirm that our family will eventually be rich.

So, how much money does a person or a family have? Don't! It should be said that how many assets can avoid survival anxiety?

We should translate the avoidance of survival anxiety into vernacular, which should be translated into "financial freedom". There are many ideas about financial freedom, and there are three common ones: one is quantitative financial freedom standard, the other is emotional financial freedom standard, and the other is formulaic financial freedom standard.

First, the quantitative standard of financial freedom. Represented by the Hurun Report. Hurun recently released the 202 1 China Urban Financial Freedom Standard, which is objectively divided into three dimensions: first, second and third tier cities, and each dimension is divided into four gradients: entry level, intermediate level, advanced level and international level.

Second, the emotional standard of financial freedom. It varies from person to person, from region to region, and from feeling to feeling. You think you are not worried about eating and drinking, life, education, time freedom and spiritual freedom. The state of "self-satisfaction" is your financial freedom standard.

Third, the formulaic standard of financial freedom. Passive income (mainly refers to after-school income brought by investment, financial management, rental, copyright and personal IP, that is, income obtained without paying the cost of time and energy) covers your rigid living expenses, even if you are financially free.

For the above three views, the benevolent has different opinions, the wise have different opinions, and the public is right, and the old woman is right. I think what you think when you feel comfortable, just find the happiness that suits you, and you don't need to accept other people's opinions. However, for family members living in Beijing, it is meaningless to say those empty formulas, because only with enough assets and wealth can you really avoid survival anxiety. This kind of wealth (including deposits) is real money, assets, objects, resources and all other financial assets with the same value, which can't be played in vain.

I will write about the basic situation of a normal family of three in Beijing for reference only:

1 I think the quantitative standard of Hurun Wealth Freedom Report is still close to my feelings. In a first-tier city like Beijing, the entry standard for wealth freedom (avoiding survival anxiety) is190,000 yuan, which mainly includes a set of 120 square meters of urban permanent housing, two cars, the annual household income after tax is 600,000 yuan, and the financial investment is 8 million yuan. There are not only fixed real estate, but also financial assets (cash that can be invested and managed), and more cash flow to maintain a basic decent life and daily expenses (annual income after tax is 600,000). These three dimensions are considered by Hurun, so from this point of view, Hurun's standards are still in line with reality.

Let's analyze the order of magnitude of the three dimensions in the Hurun standard. Urban area 1.20 square meters, a set of small three rooms, market price100000 yuan, two cars, financial investment100000 yuan (including deposits, wealth management, funds, bonds, trust investment and stocks). In addition, there is a stable family after-tax income of 600,000 yuan. A house not only has the function of self-occupation, but also has the function of asset allocation and value preservation and appreciation. Two cars are the basis of quality of life, belonging to functional assets and consumer assets, with a rigid expenditure of at least 200,000 yuan per year. The annual income tax is 600,000, and the monthly income is 50,000, which has two meanings. 600,000 after tax represents about 800,000 before tax, including five insurances and one gold. Social security and medical insurance can be paid according to Beijing's capping standards and can enjoy better protection. The monthly cash flow of 50 thousand yuan is mainly used to meet the needs of better quality of life and greater investment in education.

I simply open the details of Beijing's household consumption rigid expenditure, with a monthly cash flow of 50,000 yuan, which can guarantee the above-average quality of life and education level.

-monthly rigid expenditure. Property fees, water, electricity, heating network, mobile phone communication fees, as well as the rigid expenses of two cars, maintenance, repair, parking fees and so on. , are calculated according to the lower level, but also need a monthly rigid expenditure of 1 10,000 yuan.

-Monthly living expenses. Suppose that according to the smallest unit of a family of three, three meals a day, fruit and milk snacks can not be less than 5,000 yuan a month, and only 160 yuan a day, with an average of about 50 yuan. Keep a "gold-swallowing beast" and you will know that the fruit snacks you make every day are not necessarily less than 50 yuan. There are also daily necessities such as bathing, washing hair, brushing teeth, washing face and washing clothes. There are ordinary ones. There are hundreds of them every month. Not to mention the freedom of cherries, this consumption level is only suitable for a supermarket and vegetable market. Dare to go to the boutique supermarket when you meet a happy event. What concept? At noon today, I bought four peaches from 20 yuan in the vegetable market, and a box (four) from 200 yuan in the boutique supermarket. I like seafood. Look at the live sea crabs in the boutique supermarket for 498 yuan and 500 grams. I can only swallow saliva and turn away.

-Daily entertainment expenses per month. Although it is not rigid, it is impossible for a family of three not to go out and leave the second door. As long as you go out, it is impossible without spending money. 50 yuan, the lowest ticket for a movie in Beijing, a family of three 150 yuan. It is unrealistic to take children to amusement parks without spending one or two hundred yuan a day. On average, there are always one or two social parties and dinners a month, and at least 1000 yuan goes out. I'm away from home, but I don't seem to be coming back. There are always several debt of gratitude (red envelopes with gifts) within a year. It's equivalent to 5000 yuan a month, which really can't be less, otherwise there is really no guarantee.

Monthly expenditure on filial piety to parents (equivalent). On holidays, parents, other relatives and children must be given red envelopes. According to the minimum of 20 thousand a year, a month is also 2000.

-Monthly investment in culture, fitness and sports. This really varies from person to person. Some people like playing badminton, some people like running marathons, and some people like fitness. But if they have a hobby of burning money, I don't know how much it will cost. I'm fine. I have no hobby of burning money. I just like reading, writing from the media and surfing the Internet. I always want to buy some books and electronic equipment every year. It costs 20 thousand a year, which is equivalent to 2000 a month. Not much, really. Now slightly better books are rising at 60 yuan, and buying a few books a month is hundreds more. I don't even play badminton now. If I insist on playing badminton, the venue fee and badminton consumption will go up in one month 1000 yuan.

-Non-mandatory but necessary monthly consumption of cosmetics and clothing. This varies from person to person. When you meet a wife who likes to dress up, you can't beat any money How many sets of clothes do you have to buy a year? A family of three, according to the classification, the wife is the biggest "gold swallowing beast". How about 30,000 to 40,000 yuan a year for clothes, ornaments and cosmetics? Don't mention buying brand-name bags, one is tens of thousands, and it will take five or six years to buy one. Children, also small "gold-swallowing beasts", earn at least 10 thousand a year, and they can't beat them at all. I am a man, 10 thousand yuan a year. It is equivalent to 5000 yuan a month. It looks a lot. You can tell by shopping with your wife. A woman can wear decent clothes for one or two thousand. Last time, a small sling was thousands (a piece of cloth was less than half a foot). Take me for example, we all buy shirts with a 30% discount, and the price is one or two thousand. After a 30% discount, three or four hundred and one shirts are not too many. Men always buy two pairs of shoes a year, right? Can this pair of shoes sell for 1000 yuan?

-Fixed monthly expenditure on education. This also varies from person to person. Some people go to heaven, but those who don't go to hell have at least a rigid bottom line. Fortunately, I am in Chaoyang District, not in Haidian District and Shunyi District where parents of "Chicken Baby" invest in education without blinking an eye. It is said that Shunyi's mother's investment in a child's education is one million a year. Kindergarten, primary school, junior high school, high school and bull school are all inaccessible. Many people go to private schools, and the tuition fee is several years a year. There are more than 500,000 international schools a year. Various cram schools, interest classes and promotion classes (horseback riding, archery and golf). Let's just say that I hired a teacher to help my children with math, and it cost me 1000 yuan an hour. I also gave the teacher a gift before I received it. Cultivating a child in Beijing is equivalent to at least 10000 yuan per month. The following high-energy warning: children go to study in western countries, with an average annual rate of 400,000 to 500,000. This is not worth it.

—— In summary, the monthly rigid expenditure is 40,000 to 50,000. I haven't dared to consider mortgage. My family is fine. I used a provident fund loan. If it is a commercial loan, many people have a monthly mortgage of at least 5,000 yuan. So proceeding from reality, I agree with Hurun's standards.

Second, can you stop worrying about reaching Hurun's entry-level standard of wealth freedom (190,000 assets)? It's not melodramatic, it's forgotten. Meet the above quality of life and education level, that is, pass the level. If you don't worry, the combination and allocation of the 8 million financial assets really have to be considered.

According to Hurun's entry-level standard of wealth freedom, the annual income after tax is 600,000, which means that the couple have at least 400,000 jobs before tax. In Beijing, the annual salary is 400,000, at least two middle-level central enterprises, senior executives of municipal state-owned enterprises, professors of famous universities, famous teachers of cattle schools, middle and high-level listed companies, small business owners, powerful freelancers, technical backbones of large factories, core personnel of high-tech enterprises, sales elites and financial elites. The monthly salary reaches 33,000 yuan. If you pay five insurances and one gold in full, the monthly cap of the provident fund is 6,840 yuan, and the enterprise annuity is 2,000 yuan per month. It is estimated that the retirement pension 12000 yuan can basically provide better survival guarantee without anxiety.

However, to achieve a better quality of life and education, we must rely on asset allocation. Asset allocation, the concept, cannot be simply understood as investment and financial management. Some people use financial assets for stock trading, which can quickly increase their wealth and have a high probability of loss. If you invest in an unreliable private placement, a spit, etc. You may lose blood.

I have a colleague, Lao Wang, who realized "wealth freedom" through stock trading. He was obsessed with stock trading, his work performance declined and he was dismissed. First of all, he realized his freedom of work. Then the compensation was almost the same, and his wife divorced him, realizing the freedom of marriage; After the divorce, he was given a small house, and he also sold it and continued to speculate, basically losing everything and fully realizing the freedom of life.

Most of us can't achieve financial freedom by salary, nor can we avoid survival anxiety by salary. Don't forget, the national annual salary of one million does not exceed 1 10,000 people. The social wage in Beijing is 10868 yuan, but the median is only 6000 yuan. Your monthly salary is 5000 yuan, which is more than 75% of that of China people. It is impossible for most people to achieve financial freedom on meager wages.

We should achieve wealth growth to an order of magnitude without anxiety. It is unrealistic to rely on wage income. When the amount of funds is small, you can pursue a portfolio. However, when the amount of funds is large, we must know how to allocate assets. In this world, few people keep their wealth growing to a large order of magnitude because of stock trading. Stock trading itself is a zero-sum game, not to see whose vision is accurate, but to see probability and the law of large numbers. The masters who really make wealth grow to a large order of magnitude are all masters who are good at asset allocation.

Now and for some time to come, it is inevitable that the global excess currency will bring about sustained inflation. This is not a black swan, but a gray rhinoceros. The negative effect of inflation is getting bigger and bigger, and the depreciation rate of our wealth is increasing quietly. Most of us are anxious because we lack reliable investment channels and watch our savings underperform inflation. Of course, we have to worry about survival, development and a better life.

This needs to be combined with your consumption level and earning ability. You can't just ask how much money you have.

Earn more, spend less, and increase your savings, so you won't be so anxious. You know, better and better.

In addition, you have a good financial management method or investment direction. You have the ability to make more money anyway.

Spend more, earn less, and no amount of savings is enough.

I think there must be a deposit of 500,000 to/kloc-0,000,000, so that minor illnesses will not panic and serious illnesses can be dealt with, because we still have medical insurance and no deposits, and we live in the fear of having no money every day. Don't choose comfort when we can still struggle! The more money you earn, the better!

Anxiety mainly lies in people, not in money.

Some people are not anxious about earning 2000 yuan a month, some people are anxious about earning 20000 yuan a month, and even some people can't get rid of anxiety about earning 20000 yuan a month.

Even when it comes to anxiety about survival, some people are used to being prepared for danger in times of peace. No matter how much money they have, they will think, "What if there is nothing/if something goes wrong/if …"? Some people are used to living in the present. As long as they can eat and drink well today, there is no anxiety about survival.

So there is no uniform answer to this question.