50 years old, under the statutory retirement age. If you are a man, you can't get social security until you are 60. If you do nothing, you still have ten years to pay your living expenses from your savings. You said that you have your own car, and the money for car maintenance is generally 20 thousand yuan a year, right? In the city, the monthly living expenses are more than 3,000, right? It's 40 thousand every year. You're tired of doing things. Do you want to travel? Tourism is a bottomless pit. According to the general retirees' style of play, it costs 30,000 yuan a year. That is to say, the annual fixed expenditure is 90,000. So, before you retire, you still have 600 thousand I should be able to retire.
However, if you spend more than this, for example, you are used to spending seven or eight thousand yuan a month, that is, you have to go out to eat twice a week and travel for one hundred thousand yuan a year, that is not enough. This consumption habit means that you have to buy expensive clothes every season, buy the latest mobile phone and travel abroad two or three times a year, which is definitely not enough.
When this thing goes up, it goes up. What I just said is a static situation. If prices go up, you should still consider financial management. According to the current wealth management products, the income is above 3.6. If you buy wealth management, you will earn about 40 thousand to 50 thousand a year. You said you had a room. How many suites are there? Are there any rooms for rent? What is the rental income? If the rental income is 50,000, you can really retire, because your income can support your basic life.
However, this money is not enough to maintain your current middle-class consumption pattern. You should try to change your consumption habits. Just have a simple meal, right I have my own car. Can I go to road trip? Since you don't want to do anything, you should lower your desire a little.
People knew their fate at the age of 50, and now their living standards have improved. Unlike the old 50-year-old who looks like a little old man, now 50-year-old looks like more than 40! When people reach middle age, they will feel their fate when they make small achievements, but don't forget that this house and 150 don't belong to you! Some are filial to parents, some are wives and children! There are only a few hundred thousand left, so I can barely get by. When people reach 50, according to our country's small wealth, we need a minimum of $6,543,800+three rooms and two cars, which means we need a net asset of 6 million. If they can't reach it! You should also continue to work hard, because the most regrettable thing in this society and the world is that you have not worked harder when you are old, and your assets have risen faster on your current basis! On average, assets will double every 4.2 to 7 years! Work hard! The future is uncertain! This is not enough for the elderly at present! Everyone feels tired! But without pressure, there will be no motivation. Of course, stability will prevail in the future. If you are really tired, you can also cultivate yourself. Everyone has different views! I hope you live for the sake of life according to your own ideas! I wish you happiness!
If you feel tired, rest and retire. I am 50 years old and have been working hard for many years. I'm tired after all these years. If I hadn't really held on, I might not have thought of the word retirement.
There's nothing wrong with retiring on your terms, but don't be fooled into doing things that can drop pie in the sky after a long time.
Knowing the destiny at fifty is more intimate. Rest when you are tired, and overdraw your life when you die. This truth is quite simple. You are very lucky. On your terms, you don't need to die for your life and family.
So think about life after retirement.
Just take it easy! If it is your own company, you have not retired and have been working until you are old. If you are busy with field work, you can retire, come back to adjust your body and mind, and enjoy family happiness, good health and family happiness!
Since there is a house and a car, there is also a deposit of 6.5438+0.5 million, which should be a relatively good asset level. But at this age, we still can't take it lightly, and we need to be prepared in several aspects.
First, buy the corresponding old-age insurance. If you have the ability to participate in some commercial insurance plans, your retirement salary will be more secure in the future.
Second, in any case, we must participate in medical insurance and provide some commercial insurance such as critical illness insurance, but medical insurance is the main one. Because at the age of 50, it is often easy to get sick. Commercial insurance needs to pay very high costs at this time, and sometimes some products are not so cost-effective. But in contrast, medical insurance is a universal welfare, with low cost, and employees who participate in medical insurance will be returned every month, so you can buy yourself a guarantee.
Third, make flexible asset allocation of 6.5438+0.5 million yuan. Through diversified asset allocation, the annualized income of more than 6% can be realized, and the interest can be increased by nearly 654.38 million yuan a year, which is equivalent to an increase of more than 8,000 yuan per month. This is also a good financial management effect.
The above comments are for reference only, thank you.
When people reach a certain age, they can't. Usually busy with work and stressful, my body is slowly being dragged down. I'm 50 years old and feel very tired doing things. If I have a house, a car and a deposit of 1.5 million, I can retire, so I lack family happiness! What are you still thinking? There is no end to how much you earn, and the contented are always happy! If you really earn enough money, people will go. Relax and take care of yourself. The elderly are getting worse every year after menopause. Want to desperately! When I was young, it was not easy to buy money with my life. Now I can enjoy retirement. What if you try harder? You can only change your life with money!
This depends on you. I resigned at the age of 47. I have been wandering around the world to see the scenery since 20 15. At present, I have basically been to better cities and scenic spots in the United States, and I really have to do odd jobs without money. There are two houses at home, one for rent, one for five-year national debt, and one million yuan. Anyway, my current living condition is envied by my friends around me, haha, I can do without money, and I can do without money.
If you can guarantee to live to be over 80, then this1500,000 won't work! Think about it. Thirty years ago, our salary was less than 100 yuan, and now it is less than 1 10,000 yuan. According to this algorithm, after 30 years, what will your1500,000 be? Besides, for 30 years, you have to eat and socialize. ......
Fifty years old, with a house and a car1500,000, you are poor and want to retire? I said to work hard for ten or twenty years. Do you know that?/You know what? There is a multimillionaire among 940 people in China! There is a rich man among 84 people in Beijing! You said you weren't poor or something?
I'm 50 years old, two years short. I am the sales manager of a company, a third-tier city, with six houses, including a facade and an office building. The annual rent is not much, about 80 thousand, with more than 3 million deposits and 2 million stocks. I lost half a million dollars. It's spare money, don't turn it over, don't sell it, and so on. In this way, the annual interest plus rent is about 6.5438+0.8 million. I don't like financial management. A daughter, retired at the age of 53. Before I retire, I want to deposit my cash around10 million.