In 2009, my salary was about 1 ten thousand yuan. At this time, I still don't think it's enough, because I bought my first house, gave birth to a second child, paid off the loan, raised a child, and still went bankrupt every month. 13 my salary was about 16000, which saved me a little, but at this time my family expenses also increased, and my wife never worked to take care of children, mortgage or car loan. It's only 2000 yuan a month, which is nothing at all. It's spent with a little trouble.
15 years, job-hopping to a startup company as a sales director, with a monthly salary of about 30,000-40,000. I feel a little relaxed, but it's still not enough. /kloc-in 0/7, my father got lung cancer and took him everywhere to see a doctor. At this time, he especially hated his incompetence. If he has money, he can take his father to the United States and Hong Kong for treatment. /kloc-At the end of 0/7, my father died of pulmonary fibrosis due to radiotherapy recommended by domestic quacks. At the end of this year, I decided to fight for money. Jumped to a subsidiary of the world's top 500 companies to be the head of sales channels, and the salary rose to about 50,000. It's been almost two years, and I haven't felt how easy my expenses are. Changed a car, added a new car loan, two children went to cram school and so on. But I still feel that the money is not enough. When I am old, I am very worried about the crisis in the middle-aged workplace, and I don't have much money on hand.
After writing about the salary changes in the past 16 years, we should be able to feel that people have different pursuits and different expenses in different periods. Therefore, for us ordinary people, money is always in pursuit and can never be satisfied. After all, there are too few people who have reached the realm of Ma Yun or lower billionaires ~
The Same River Twice
Let me talk about my own situation first. I am 46 years old and have 5 properties in Shenzhen with a loan of about 5 million yuan. In which: 2 apartments in Shenzhen+1 apartment; Dongguan 1 set, Zhongshan 1 set. There is also a Camry that is 1 1 year old. The total value of real estate is estimated at around 25 million. The cash in hand is almost 0 [covering your face], and the company has 3.5 million high-quality stocks. Every year, about 25% of the shares receive dividends, and after tax, there are 700,000+,which is equivalent to 50,000+income every month. /kloc-I left my job more than 0/year, my wife is still at work, and my annual income is less than 200,000. A son and a daughter, aged 8 and 3 respectively. When it comes to feelings, it's more anxiety and not much happiness!
First of all, if my assets are in second-and third-tier cities, I will live well, but in Shenzhen, a city with an inch of land and gold, all my assets can only add up to buy a better house, let alone a mansion, let alone a villa. People who are not rich at all are often deeply frustrated. If you work harder and invest more actively in buying a house, your assets may double now. In addition, compared with the extra 700 thousand salary+bonus income at work, the current income is half less. From annual income 1 10,000+to 700,000, it feels completely different from that from 300,000 to 700,000. No one likes a life in decline. I also understand why many billionaires are unhappy. The slow growth or shrinkage of assets is one of the important reasons.
It's a bit boring to relax from the liberation when I just left my job and the yearning for poetry and distance. At first, I regretted my lofty ideals, failed to compromise my life, and chose to leave my job willfully. My wife has been wanting me to continue working recently, and the couple have also made some troubles because of this. I was reluctant at first. Later, I thought that my wife didn't earn much and it would be better to work at home, so I started looking for a job. But when I want to work, I find it hard to find a job, and being old is the biggest shortcoming. Fortunately, I found a thrifty wife, and most of my income over the years can be saved. Coupled with the dividend guarantee, my work will come naturally.
Now, I began to learn musical instruments and cultivate my interest. I'm studying basic ukulele, and I want to learn piano next. When I was a child, I fantasized about playing and singing love songs on the guitar in front of the girl I liked. Now, my greatest wish is to skillfully play "Broad Sky" for my daughter. I hope my dream can come true this time.
Sequel:
One day, I was dragged by my wife to attend the preferential celebration of Peng Ai Beauty Hospital Company, saying that Liu Xiaoqing, the brand spokesperson, would come to the scene, but I didn't go to idolize, so I had to find a wife. The first close contact with Xiaoqing's sister was very impressive, confident, peaceful and free and easy. I was also fortunate enough to receive her autographed autobiography "Life is not afraid to come back", which mainly describes her life experience from a star female boss with infinite scenery to tax evasion and imprisonment to nirvana rebirth. She was also 46 years old that year.
It touched me a lot when I came back. I feel that we should not be happy about this now, but should be positive and optimistic. Maybe there is God's action in the dark. A few days later, a fast-growing startup contacted me and chatted with my boss for a long time to appreciate each other. He asked me to be the director of research and development, and the research and development team consisted of nearly 40 people. I also readily agreed, the income is not high, the basic salary is 30k/ month, and the bonus depends on the company's performance. As long as the company develops healthily, it is estimated that it is almost the same as the salary, and the option is not negotiable. I believe in fairness. As long as we do things seriously and bring the team well, the choice is a natural thing. When I first joined the company, my business was completely discredited and was arranged by my boss to put out the fire. Since I joined the company less than a week ago, I have worked late every day and have no rest on Saturday. Without any preparation, I went directly from doing nothing to working at high intensity, but I didn't feel any discomfort. Fortunately, while I am familiar with the business, I know some methods and concepts and give some guidance to the team.
Return to the ranks of 1 10,000+annual income, without anxiety. If necessary, you are anxious about how to get started quickly, get familiar with the business and become a truly valuable R&D director trusted by leaders and employees as soon as possible. Come on, life is not afraid to start again!
The third kind of life
A monthly income of 40,000 to 50,000 sounds so powerful, but it is not. Let me talk about my personal feelings. My husband is a programmer and works in a first-tier city. At present, his monthly salary is 50 thousand yuan (before tax), which is regarded as a high-income person by most people. After deducting social security and taxes, he is about 3.5w a month. Speaking of high income, I have to say that money is not so easy to earn, and no unit will keep idle people. Behind high income must be high salary. Husband goes to work every day 10, and 65438+ at night. Occasionally, I will stay up late to catch up with new projects, and I can't take care of them at home. Besides breakfast, I have lunch and dinner in the company, and I am on duty on Saturday and Sunday.
I get 35 thousand a month, and my husband basically doesn't spend much money Meals are settled in the company, even if he occasionally wears clothes in buy buy, they are all ordinary clothes of 1-20 1. The home mortgage is 7k, the rent is 3k, the children are 3k, the elderly are 4k, my two living expenses are 3k (parents and children are in their hometown and don't live with us), and there are some other miscellaneous expenses, such as seeing a doctor and socializing. It's all real expenses), and there is still more than 1w left every month. Life is not very rich and poor, and I want to take my children around. When the in-laws come together, the cost of renting a house is quite high and the pressure is great.
Therefore, the monthly income of 45,000 yuan should be very good for second-and third-tier cities, and they will be very rich in all aspects. However, for middle-aged people in first-tier cities, especially those who are old and young, they have to bear the mortgage, which is very stressful. Do you feel the same way?
The fourth kind of life
Just asked about me. Go ahead.
Two people do e-commerce, and their monthly income is about 8w, which is equal to 4w per person. Working one day 16 hours, all year round, only stopping delivering packages during the Spring Festival express holiday, but still doing customer service, which is also a job. There is almost everything that should be, and there is no desire for what should not be. Because I work around the clock, I have little social interaction and my expenses are not great. The main expenses are eating, buying vegetables and fruits in the market, and the rest are online shopping. The basic living expenses of 5000 yuan for two people are already very comfortable. Clothes and shoes cost a lot, which may exceed 1 10,000 a year. Drinking tea every month is about 1000. Otherwise, I will buy two flagship mobile phones a year and change my desktop, all for business, and tens of thousands of other things will be enough. Generally speaking, it is estimated that two people spend more than100000 a year.
My relatives and friends live better than me, so there is no pressure in life. I have a deep fear of traveling (too tired), so I don't feel how hard I work every day. Perhaps it is this Buddhist mentality that makes my career smooth. Life without desire is not terrible. You can find small pleasures in ordinary life, and together they are full of small pleasures. Without ideals and dreams, I just live seriously. As for many people who are curious, what is your motivation for working so hard without spending money? In fact, there is no motivation, but huge inertia makes people want to stop.
I wonder if I can do it for another ten or twenty years. I don't aspire to retirement, and I don't plan to travel around the world. I just hope I can live a healthy and ordinary life.
The fifth life
My cousin is 30 years old. The sales director of a company usually earns more than 5w a month, except for dividends at the end of the year. You must think that people who earn more than the average person will feel more powerful. This image is probably similar to the image of the devil wears Prada. Famous brands, at least all luxury goods. Speak aggressively, or the gas field is too strong. Friends circle is basking in the tourist food of various countries. ...
But she didn't. Every time she goes shopping with her, she always carries a canvas bag and only buys one or two bags a year. I love to laugh, and I laugh like a college graduate. The circle of friends will not deliberately locate in which country, but there are many things at home or at work. Clothes are all Uniqlo, and H & ampm, UR will take care of it. There is no particular brand, as long as it is comfortable. Once she told me that the more she worked, the more energetic she felt, the more she could afford what she wanted in the window, and she saw a bigger world and more possibilities.
In fact, on the one hand, they gradually conveyed their heart of buying in buy buy and showing off when they want to buy. On the other hand, it is their income that gives them a new vision. Desire supports ambition, and ambition once again dominates desire and rushes forward. She said that when she first reached this income level, her whole spirit was a little nervous. For example, when I go shopping with my friends, I will take out my mobile phone from time to time, fearing that I will miss any important calls or problems brought about by new jobs, and I am afraid that I will not be solved in time. I don't feel relaxed even after work. Sometimes I dream that I am demoted because of negligence. ...
She said that now she is thinking about quitting this job to recharge her batteries for a year or two and think about the future direction of her life. Don't care too much about money, you can live according to your favorite lifestyle.
Sixth life
Your monthly income is 40,000 to 50,000, depending on your living environment. In an environment of high consumption, you may not spend enough. Fortunately, my living environment is relatively low, so I am very comfortable. My salary is 7000 yuan per month, and the company provides all the expenses for the car and its use. Invest an extra 5,000 yuan a month to do some small online business, and earn about 30,000 yuan a month, which adds up to more than 400,000 yuan a year. But most people around me only know that I have a salary of 7000 yuan. I can't tell them my actual income, as if I were showing off.
The above situation laid the foundation for my low consumption. Most of my friends and colleagues earn less than 10 thousand, and my clothes are very cheap. I wanted to buy a coach bag some time ago, and the asking price was more than 1000. I hesitated for a long time in the shop and didn't buy it. I think it will make people think that I am a pompous person if I carry such an expensive bag. My present bag is a handbag bought in Pinduoduo, which is also a famous brand. Deli, 16.8 yuan.
My mobile phone is Huawei, 1299 yuan. I like tablets, but I am reluctant to buy apples. I also bought Huawei, 1300 yuan. The only thing that is more expensive is an Apple computer, which my wife bought for me. Her income is even better than mine. My income has increased, but my consumption psychology has not changed. I won't buy pants above 300 yuan. I will only buy Anta and Li Ning for sports shoes.
With this income, I feel that life is completely stress-free. In the past two years, I went to the restaurant without looking at the price, and I also rushed to pay the bill. My friends think I am generous, but I just don't think their income is as high as mine, and I can't bear to spend their money. I often travel to other places on business. I will buy presents for my relatives and friends. I don't feel bad about spending one or two thousand yuan at a time.
I want to earn more money in the future, but I don't want to live a luxurious life. I want to help people in need.