Little m is 25 years old and has worked for 3 years. Now his monthly salary is 6000 yuan before tax and 4500 yuan after tax. She works in an advertising company. In a place like an advertising company, you know, beautiful women and handsome men are around, so Xiao M has to buy some clothes, shoes and accessories, rent and eat out every month. Moonlight is polite, and sometimes robbing Peter to pay Paul is inevitable.
Now let's see how much money little m can earn in this life. However, let's assume that she didn't have any ups and downs in her life, neither ran into Fu on the road, nor won 5 million lottery tickets. Of course, I have never been forced to repay 20 million loan sharks because of my parents' debts, nor have I suddenly become the next richest man in China because of starting a business. We assume that she has neither too good luck nor too bad luck, and everything is relatively stable and linear.
Little m is 25 years old, retired at 60, and has 35 years to work. Assuming that her salary increases linearly, she can increase her salary by 10% every year. At present, her annual income is 54,000, and her deposit is 0. Although there is only a 10% increase, because it is increasing every year (does your company give you a salary increase every year? ), by the age of 60, Xiao M's annual salary after tax has reached about 654.38+0.52 million.
With a simple excel table, it can be calculated that from the age of 25 to 60, Xiao M can earn a total of 16 15000 yuan. Ah, it's a huge sum! ! !
Ok, now let's figure out how much little m will spend in his life. The average life expectancy of Shanghai residents is 8 1 year, and it will be higher for women. For simplicity, let's call it 80 years old.
(First of all, for the sake of simplicity, let's take the average. For example, Xiao M now rents 1000, but with the increase of income, she will rent a house of 2,000, so on average it is about 1500, and these are all speculative figures, so you can calculate them according to your own situation. )
1. Rent: Suppose she spends 1500 yuan to rent a house now, but gets married and buys a house at the age of 30, then from the age of 25 to 30, the rent expenditure is 90,000 yuan.
2. Eating: The monthly expenditure for eating is around 600 yuan (excluding friends' dinners), so the total expenditure for eating between the ages of 25 and 80 is 396,000 yuan.
3. Friends gathering: Eating out is actually quite expensive. Suppose 600 yuan spends 396,000 yuan on eating out every month.
4. Buying a car: Suppose Xiao M owns three cars in his life, and each car has been driving for 10 years, which is already very powerful. 30 to 60, and you don't have to drive after 60. At the beginning, I bought a car with a price of about 6.5438+10,000 yuan, and later changed it to a car with a price of 200,000 yuan, and then changed it to a car with a price of 400,000 yuan. The total car price is 700,000, which will be borne by my husband, so little M has to bear 350,000.
5. Vehicle maintenance fee: you need to refuel when driving, pay parking fees, buy insurance, wash the car and maintain it. An average of 1.5 million per month is not small. After 30 years, the total cost of vehicle maintenance will be 540,000. Little m bear 270 thousand.
6. From the age of 25 to 30, from 60 to 80, during this period, Xiao M doesn't have a car, and we have to calculate the transportation fee, and 200 yuan every month. The transportation fee is 60,000 yuan (this can't be shared with my husband).
7. Clothes and shoes: When you are young, you will definitely spend more money on clothes and shoes. When you get old, you may spend less. But on average, spending 1000 a month is not too much. In this case, between the ages of 25 and 80, it is 660,000.
8. At the age of 30, Xiao M finally found the prince charming in his mind. She fantasized about holding a romantic wedding in Maldives and taking wedding photos. Banquet+wedding photo+wedding dress+wedding company+wedding candy+car borrowing, about 300,000 yuan, and Xiao M has to bear150,000 yuan.
9. Marriage is very sweet, so Xiao M and her husband decided to travel once a year. In China for two years, a person spends an average of 2,500 yuan each time, once every three years, and a person spends an average of 1.5 million, so from the age of 30 to 80, the cost of traveling abroad is about 330,000. On weekends, two people will go to see a movie and a play or something. The average person spends 400 yuan every month, which is equal to 240,000. It adds up to 470 thousand.
10, and the parents of Mr. M and Mr. Xiao are old. From the age of 40, they have to give their parents 1500 yuan living expenses every month until they are 60. Expenditure 360 thousand
It hasn't cost much so far, has it? Don't worry, here comes the big head.
1 1. Buying a house: 30 years old, Xiao M is married. How much is this house worth? No, it is now 100 square meter, which is about 4 million more than the houses in the suburbs. Assuming that Xiao M doesn't have enough money to pay the down payment (she is moonlight), if the loan is 10 years, it will actually cost about 6 million. If it is a loan for 20 years, it will actually cost 8 million. Assuming that the husband conditions that Xiao M is looking for are similar to her, I will divide the cost by 2, so Xiao M actually has to pay 4 million for the house.
45 years old, because the child has grown up, at this time, Xiao M intends to change a bigger house, which is about 150 square meters. Assuming that the house price is still the same as before, then you have to pay 4 million more, and Xiao M has to bear 2 million, so the total is 6 million.
12, decoration: two houses were renovated, including furniture and electrical appliances, and a total of 1 10,000 was used.
13, medical care: Xiao M has never been seriously ill in his life, but some diseases are inevitable when he is old. Plus, you have to be hospitalized when you give birth. Therefore, the total expenditure of * * * of 1 10,000 should not be too outrageous.
14, little M 3 1 year old gave birth to a baby. From the birth of the baby to the university graduation, * * * needs a total education cost of about 600,000 yuan (not enough for talent classes), and the children's clothing and meals are counted as 600 yuan every month, which is about160,000 when they are 22 years old. There are also children who are sick, buy toys and celebrate their birthdays every year. A total of 6.5438+0 million.
I'm a little tired from writing. Up to now, I have spent about12.3 million. But in fact, there are still many things that have not been counted, such as personnel relations, parents' retirement, children's expenses for going abroad and so on.
It seems that I earned 1.6 1.5 million in my life and only spent 1.23 million, which is quite good. Wait, you forgot about inflation. That is to say, your 16 15, when you spent it later, actually did not have16150,000 yuan. What is the actual amount?
Do you remember that your salary increased by 10% every year? At present, the domestic inflation is around 6% (I didn't tell you this is nominal inflation, but the actual inflation is much higher), that is to say, according to the actual purchasing power, your money has only increased by 4% every year. Now let's figure out how much money you can earn in your life.
If your annual work growth factor is changed to 4% per year, the actual purchasing power of the money you earn in this life is only 4.2 million yuan, and you need to spend12.3 million yuan! ! !
Moonlight, wake up! ! ! Even if your salary continues to increase, even if you only live a well-off life, your money is not enough for a lifetime!
The homework for this lesson is simple:
1, calculate how much money you can earn in your life and see what the actual purchasing power is to offset inflation.
2. Calculate how much it will take for a lifetime.
3, and then ask yourself, do you want to make a decision, change the habits of the moonlight family, do you want to spend some time learning about financial investment? !