If I have 3 million when I am 45, I can stop working.

3 million I plan to divide it into three parts, 6.5438+0 million, and arrange my life well.

1. I will deposit the first million in the bank for three years, and then deposit it every three years, with interest and interest. In the 20 years before 20 19, the three-year fixed deposit interest rate of some banks has never been lower than 4% (of course, it is not excluded that some banks are lower than 4%), so it can be predicted that the three-year annual interest rate of banks will definitely continue to be around 4% in the future. According to compound interest law 72. 18 years later, my180 thousand in the bank can be doubled, that is to say, when I am 63 years old, I have 2 million in my bank account! Our husband and wife's life after the age of 63 can be guaranteed with this 2 million.

2. The second 654.38+00000, I spent it all on children. It was not until I became an older youth that the country liberalized the second child policy. For the sake of prenatal and postnatal care, we can't enjoy the second child policy, so our family is an only child.

1. When I was a child, I bought a house with three bedrooms and one living room in Wuhan for 800,000 yuan, with an area of 100 square meters. According to the current budget for house leave, the house price in Wuhan should be around 20,000 after the children graduate from college, which is enough to pay a down payment of 800,000, and the rest depends on the children's own work.

2. Take 65,438+10,000 to buy insurance for children. Buy at least three insurances.

A medical insurance, I plan to buy medical insurance, 44.92 yuan per month, and I plan to continue to buy it for my children for 20 years, because I will be 65 years old in 20 years after the age of 45, and I need to worry about our own pension, so that my children will not worry anymore. The principal of this insurance expenditure needs 44.92x 12 months x20 years = 10780.8 yuan. Because this money is not a one-time payment, I plan to take out 1 10,000 yuan from 654.38+10,000 yuan and put it in Alipay's balance treasure, so that the insurance company can automatically deduct it every month, and the remaining money will continue to bear interest, and the interest should be above 780.8 yuan. Medical security is basically available.

There are 90 thousand left, and then I will buy an accident insurance and a marriage insurance respectively. I haven't considered buying any insurance yet.

3. Secretly deposit100000 in the name of the child, and this money is kept by me. I also intend to deposit it in the bank for three years and recover the principal and interest at maturity. When children need money urgently, I will give it to them.

Third, the third is 654.38+00,000, and I must guarantee the quality of life of my husband and wife for 654.38+08. I'm going to deposit 600 thousand for three years and ten years. In this way, when we are 55 years old, the principal will be 840,000, and there must be a living guarantee between the ages of 55 and 63. We saved 600 thousand, and we still have 400 thousand We need to reasonably arrange the life of husband and wife for ten years. I intend to store them all in our mobile phones. Options include Du Xiaoman (in Baidu), Suning Finance, Jingdong Finance, Yu 'ebao and Du Li Xiaoman, all of which are banking products. At present, it is relatively safe to consider saving 200,000 current products with an interest rate of more than 4%. Deposit100000 in Suning Finance and Jingdong Finance. This 300,000 yuan has at least 30 yuan's interest every day, which is enough for my husband and wife. There are still 80,000 risky products that can be considered for allocation, such as funds and gold. It is necessary to control losses by buying low and selling high. In addition, 20,000 can be properly invested, so I won't say it boldly here. Oh, I forgot to budget an important thing, that is, our husband and wife's insurance, which will be redeemed in funds and gold to buy.

In short, if I am 45 years old and my children graduate from college, my husband and wife will have 3 million, and we can live the rest of our lives.

Unfortunately, the ideal is full and the reality is very skinny. I don't have any savings at hand now, so I must work hard and save well.

Therefore, regarding your question, everyone's ideas are definitely different, which is determined by everyone's consumption level, attitude towards life and values.

But one thing is the same for everyone, and that is:

No matter how much money you have, you should allocate your assets reasonably! Otherwise, you will never live a good life.

Remember to pay attention by the way!

Just turned 50 this year. I can answer this question, because I had this idea when I was 36. Now I say it has been realized according to the idea at that time, but I still haven't returned it. In 2004, I was about 36 years old. My idea at that time was that 3 million yuan could retire, and the first one was to buy a suite decoration for 6,543.8+0,000 yuan. At that time, the house price was less than 5000, which was still a good house. By the way, I was in Wuhan. The second is that 1 10,000 yuan bought a set of facades, and the annual rental income 1% is 1 10,000 yuan. At that time, the facade had not risen sharply, and the reference 100- 120 months was still conservative. What is the third 1000000 yuan for investment, and the income is also 10%. I feel that the annual income of 200,000 is very good, and the old-age care can also be satisfied. Objectively speaking, I didn't realize it until I was 45 years old, that is, about 20 14. I paid off all my money and bought a car of about 300 thousand. But why not return it? Inflation has been a bit severe in recent years, and I dare not retreat. Although the rental income and wealth management income have also reached, I can't live under the price situation at that time. You should know that the average growth rate of M2 in recent years is around 8%, and you can understand it by rolling calculation. Therefore, I don't agree to ask if it is possible to retire at the age of 45.

On the other hand, from another angle, I don't agree. A person, especially a man, usually graduates from a university at the age of 22*3. When he is around 45, although it is very embarrassing and difficult to change jobs, it is undeniable that it is a director's grade. The children are old, experienced, knowledgeable and have some resources. Personally, I suggest that you can do some light consulting work, continue to make better contributions to society and supplement your income. Is it better to live more comfortably? But the mentality must be good, take more young people, or at least I think people are too idle, and it is not appropriate to rest just halfway through life.

At the age of 45 in 70, I didn't do anything. I have a say in traveling everywhere.

From 2002 to 17, I spent nearly 3 million to allocate 8 properties in Tianjin and Guangzhou to fight inflation and maintain and increase the value. The rent of most rough houses is above 10000 yuan per month. My wife works as a boss in a small company, with an annual income of about 300,000 yuan, and expenses of 65,438+10,000 yuan excluding mortgage. When there are few cars, the parking fees in other communities are nearly one month 120 yuan. The subway downstairs is convenient for her to work freely, and we are not in a hurry. The value-added of the allocated property is about 8 million.

After a few years, my wife retired and had labor insurance. Every five to six years, she sells one set and takes her around the world. No accidents are not enough. Because traveling abroad is boring after less than a year, maybe the whole country lives. It doesn't cost much, but 30 thousand a month is enough. The more inflation, the more expensive the house. We are used to ordinary life and don't buy luxury goods and cars. It's nice to live in a 7 1 flat two-bedroom apartment. If the son is willing to spend/kloc-0.00 million to buy a villa in his hometown, it is still cheap to run a farmhouse archery hall for the elderly. The loan is nearly 3 million yuan, which is planned to be repaid by his son, and will be given to him when it arrives. If he had money to live in the present, he wouldn't sell a better house to pay it off. After the age of 45, it is enough to allocate100,000 assets, and it is estimated that it will be sad to save! This can save some assets and leave some for the younger generation.

I live in a small four-tier city. I am over 45 years old and have retired. There are hundreds of square meters of facade houses, three sets of houses and more than 1000 flat five-story buildings. An accord car, not far from home, still has a few acres of land, planted fruit trees and rented several yards to others. I usually have nothing to do in the field to manage fruit trees and grow vegetables. I will travel by car when I am not busy.

Retire at 45. You're kidding. My colleague is 65 years old and still wants to go back to work for two days a week. He is bored at home. Of course, it depends on the work. I work 38 hours a week. No pressure. The unit manages to eat and drink. I am 65 years old, too. The economic situation depends entirely on the individual. If you have the ability, you will be financially free at the age of 40. If you don't have the ability, except winning the lottery, you won't have enough money for your life's work.

At the age of 45, how many assets can you get away with it, stop working and enjoy your old age? Some people say it is 1 10,000, others say it is 3 million, and some people may think that 5 million is not enough.

According to Yun Yunjun, the current annual depreciation rate of currency is maintained at a high level of 8- 10%, while the interest rate of three-year large deposit certificates of banks with controllable risks and stable returns can only be maintained at around 4.2%.

According to the current life expectancy of 68 years, there are still 23 years to retire from the workplace at the age of 45. Eating and drinking Lazarus, being worldly, providing for the aged by parents, educating children and starting a family are all expensive expenses. If you don't have enough capital reserves and leave the workplace rashly, your later life may be even more difficult.

So how much does a 45-year-old need to quit the workplace and enjoy a comfortable life from now on?

Let's work out the account together.

1. Living expenses

Daily necessities, utilities, shopping and other daily expenses of ordinary families. It's almost 4,000-5,000 yuan in January, so we'll make it together. According to the calculation of 5000 yuan in January, the annual expenditure level of a family is 60 thousand yuan.

2. Children's life events

Nowadays, no matter whether there are children or daughters at home, weddings are an expensive expense. Buying a house, buying a car, wedding photos, wedding banquets, jewelry, honeymoon trips. . . What seems to be happy and sweet is actually the result of burning a lot of money.

At the age of 45, the child is almost in college. Maybe in five years or so, they will face the test of lifelong events. As parents, how can we be indifferent when we see that our children are infatuated with the other half and ask us to help us buy a house?

At present, whether men or women, in the face of marriage, the price paid is not small. After all, both sides are ordinary families, and millions of houses and hundreds of thousands of cars can be taken out.

As parents, we might as well weigh how much it will cost. If the man's parents say so, even in a small city, it is very likely that it will cost 6.5438+0 million yuan. After all, the bride price is rising, and the house price is much higher than the income growth rate. Plus the wedding banquet, it will cost millions. Not to mention that in a big city, it is impossible to hold a wedding without spending 3 million yuan.

The expenditure is roughly estimated to be 6.5438+0.5 million.

3. Secular expenses

As an elder, it is normal to give red envelopes to the younger generation on holidays and gifts to friends and old classmates on their anniversary birthdays. Occasionally, I have nothing to do. I have dinner with my friends, go out to play and catch up.

Our society is related to society, and communication is all about money. A year later, I said I spent 20 thousand.

4. Medical insurance expenditure

When you get older, various problems will occur frequently, the number of visits to hospitals will increase significantly, and medical expenses will inevitably increase.

In order not to increase the burden on children as much as possible, we often need to buy some necessary accident medical care and serious illness insurance for ourselves. As the saying goes: if you are not afraid of 10 thousand, you are afraid of one thousand. Once you really live in ICU, you can empty all the savings of your family in a few months. It is necessary to spend some money and buy an insurance to reduce the financial risks of families.

The expenses of medical treatment, insurance and regular physical examination vary greatly from person to person. Generally speaking, the average annual expenditure is around 20,000-30,000.

abstract

Roughly speaking, if you want to leave the workplace at the age of 45 and stop working, you need at least 3.5 million yuan in capital reserves. In addition, this amount has not been included in the currency depreciation rate. . .

If you really want to be carefree, maybe 5 million is enough.

Look at the poor savings in your pocket, or recognize the reality and work hard.

Hello, friends!

A 45-year-old man, if you own two houses in a big city, then you have 5 million deposits. If you really don't want to go to work, the interest of 5 million financial management can make you live better. Let's analyze it.

5 million interest on safe financial management

5 million can earn a lot of interest if it is managed safely. At present, relatively safe financial products include savings-type government bonds, large deposit certificates of banks and new deposit products of private banks.

The 3-year annual interest rate of savings bonds is 4%, and the 5-year annual interest rate of savings bonds is 4.27%.

At present, the annual interest rate of 3-year certificates of deposit purchased by 5 million large banks is 4. 125%, that is, 4%, and the interest can be paid monthly.

Small and medium-sized banks can buy 3-year certificates of deposit from 5 million yuan, with a yearly interest payment of 4.2625%.

If it is a new deposit in a private bank, there are five-year deposits with an annual interest rate of 5.8% and five-year deposits with an annual interest rate of 5.2%, and interest can be paid monthly.

If you have a three-year monthly deposit of 5 million in a large bank with an annual interest rate of 4%, you can get 200,000 interest every year and 1.667 million every month.

Such income is enough to live a better life.

If you have two properties in a big city, and then you still have interest income of 1.67 million yuan every month, it can be said that it is enough to live a better life.

If you have a room, generally speaking, 5,000 yuan a month is basically enough to eat and drink. Then the rest of the money can be used to travel abroad every year, for example, about 40 thousand for two people once abroad, and about 654.38+00 thousand for two people once at home.

The rest of the money can be saved or used in case of emergency. In this case, it can be said that it is enough for you to live a better life.

Of course, if you want to live a more chic life, you may need at least100000 yuan or more, so you may live a better life.

To sum up, if you have two houses in a big city and then have about 5 million deposits, you can live a better life without going to work. Of course, if you want to live a better life, you may need a deposit of100000 or more.

Thanks for reading!

Suddenly want to answer this question. I read a lot of answers, all of which are how much money I have saved and how much property I have. In fact, these are all important, but not the most important. Some of them are completely nonsense, saying that the deposit should reach150,000 or more. As far as the current salary level is concerned, even if most people insist on statutory retirement, it is impossible for a family with a deposit of 6.5438+0.5 million. Besides, retirement is not about eating and waiting for death. If you eat and die, your retirement will be even more lonely. Such people will not retire. Retired people must have hobbies and have corresponding means of making a living. A person's life, unless inherited, really great wealth comes from investment and hobbies. As long as people have hobbies, they will use the rest of their lives to realize their interests. It will certainly reap rewards including wealth. People who calculate the deposit interest every day, no matter how much money they have, may be cheated every minute if they have been out of society for a long time. My opinion: in the most common case, there is no special burden, and the burden of support, education and medical care is definitely enough. Consumption roommates have great flexibility. If they don't work and are busy with their own affairs, consumption will inevitably shrink elastically. At the same time, time is fair to everyone. If you retire, you will certainly master new knowledge and technology, and you will certainly be able to cash in some benefits. Moreover, I believe that if I go out of work, I will have a little vision. Maybe I will see more opportunities and increase the return on investment.

How many assets does a 45-year-old person need to retire completely?

If you are middle class, 45 years old has reached the bottleneck of career development. In foreign companies, many middle managers over 40 even face the threat of layoffs. Basically at the age of 40, even if you don't take the initiative to retire, the company will ask you to retire. At this time, I am old and young, in case my wife didn't go out to work to take care of the family before. At this time, if you lose your work income, you will fall into a very passive situation. Therefore, the 40-year-old middle class must make plans early and plan ahead.

Personally, how old children are when they retire and what conditions they intend to provide them are the biggest factors affecting "how many assets can be retired".

If the child is born late and still in primary school when he retires, he needs to prepare tuition and living expenses for primary school, middle school and university. More than ten years, and the tuition and fees and living expenses are increasing every year. At this time, the benefits of attending public schools are reflected. Tuition fees are low, and children do not have to be forced to transfer because of changes in family economic conditions, which has little impact on children. If you had entered a private or international school, the tuition fee alone would have been ten to two hundred thousand a year. You must prepare enough tuition to retire. Otherwise, your child may be forced to transfer to another school. For the purpose of exams, it is very difficult to change from a free and relaxed atmosphere in international schools to an atmosphere of rigorous efforts in public schools. A little carelessness will cause a devastating blow to children.

In addition to children, other expenses can be expected, mainly as follows:

1, living expenses

This has little to do with which city you live in. Except for the house price, the price in every city is similar, and the price in small cities may even be higher. Buy food, water, electricity, coal, toothbrushes, toothpaste, etc. It's about 2000-3000 yuan per month, which is an expense that has to be spent. Other "can spend or not spend" expenses, including buying clothes, traveling to restaurants and maintaining a car, can be listed as major items, about 5000- 10000 per month. So the monthly living expenses are about 7000- 13000, so let's calculate it according to the median 10000.

2. Insurance cost

Once you get a serious illness, the medical expenses far exceed the scope of social security, and you can only rely on insurance to plug this gap. The monthly premium of different policies is different, so let's calculate it as 3000 yuan per month for the whole family for the time being.

3. Housing expenses

If you don't buy a house and rent it all the time, it will be more passive. The rent will go up every year, and I will rent it until my husband and wife die. This is not a small expense, unless it can be guaranteed that the annual income of assets on hand is higher than the rental expenditure. However, it is very difficult for the wealth management income to consistently outperform the rent for a long time. Unless you have a house on hand, rent your own house and rent a house with lower rent. People who have no house at all may not be able to retire.

If you buy a house, the mortgage has been paid off and the housing cost is almost zero. If there is a house but the mortgage has not been paid off, it depends on whether the wealth management income of the assets at hand can pay the mortgage until it is paid off. If not, you can sell the house by mortgage, pay off the remaining loan and use the remaining money to buy a smaller house.

To sum up, in the case of zero housing expenditure, the monthly cost of retirement is 1 1,000 living expenses+3,000 insurance premiums+children's tuition and fees living expenses. If the children in public schools add up to 2,000 yuan per month, the total * * * is 1.5 million yuan per month, and one year is 1.8 million yuan. According to the 4% wealth management income, 4.5 billion yuan can generate income, and assets whose principal can rise with inflation can retire. If the principal of assets on hand cannot rise with inflation, such as bank deposits, you can use excel to calculate how many assets are needed. Assuming that he dies at the age of 80, the annual inflation rate is 8%, and the wealth management income can be maintained at 4% all the time, then at the age of 45, he needs to own130,000 assets whose principal does not rise with inflation.

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