Many people don’t have tens of thousands of deposits in their pockets, why do they think 1 million is nothing?

​Nowadays, there are a lot of fake celebrities showing off their bags and sports cars on the Internet. They are feasting and feasting every day, and they hang out in hotels, KTVs and other places every day. The photos of the circle of friends sent every day are also all kinds of food and travel photos, giving people the feeling that they are very rich, and this is not an isolated phenomenon. Many people in the circle of friends are almost like this, so the illusion to many people is that there are many rich people in China now. However, some people have found that under such circumstances, there are still many people who do not even have tens of thousands of deposits in their pockets, so why do they think that 1 million is not a lot?

First, the illusion of the Internet

In the late 1990s, the average monthly salary of people was 700-800 yuan. But now the average monthly salary in some areas can reach about 4,000 yuan, or even tens of thousands. In just 20 years, the salary has doubled several times.

Thousands of households were once considered astronomical by humans, and may not be worth mentioning now. Therefore, some people believe that even if you can’t get less than you are now, 1 million is a trivial number in the future economic development.

There is no doubt that this is the illusion that big data gives us. So how do these illusions come about?

The most basic reason is that too many The concepts of cash flow and spot price are unclear and often confused.

At present, my country’s extensive capital supply is about 231 trillion yuan. This applies not only to the amount of cash and deposits of individuals, but also to corporate deposits, bank deposits, and even foreign exchange reserves in China. This would increase the average of 165,000 people per capita.

However, the actual value is of course lower than this sum. After all, national foreign exchange reserves and bank reserves are not individuals. The national foundation also needs support from the capital chain. Even the average, which maximizes the available assets of all businesses, exceeds 10,000 people.

You can say that 10,000 people are indeed not a small number of more than 80% of the country’s population. Going back to the original conceptual question, we think that we automatically convert real estate into cash when calculating our personal assets, so maybe 1 million doesn’t matter.

For example, a monthly income of 5,000 yuan and a deposit of 30,000 yuan, a car worth 200,000 yuan and a house of 33 million yuan. Let’s assume, he has almost 4 million assets. But in fact, his real cash may be less than 100,000.

Second, false wealth

Nowadays, there are many groups of people in society. They often come here with average wages and live a very wealthy life every day. It is also because they spend almost all their money on food and clothes every day, so their wages are completely insufficient, and many people are even in debt.

This kind of people, they also think that a million is nothing. If we give them a million, they will spend all the money in a very short time. This is because they lack self-discipline and planning. Often in order to fill the vacancy last month, and patchwork, and so on.

add On many multimedia platforms, it has brought a “fantasy of prosperity” to many people and artificially increased the income and savings of residents. In fact, due to low income, high cost of living and the pressure of housing loans, it is for ordinary people to live a good life, so some people think that a million is not much.

Third, the real situation

Nowadays, many people think that one million is not a lot of money, mainly because the calculation methods of attributes are different. These people add value to their houses, cars, and other luxuries, turning them into money. Typically, if that’s the case, most people probably have wealth in excess of $1 million, but many people will have their wealth invested in balances of less than $50,000 in houses, cars, etc., and, some even take on Huge debt, no money.

If you With a house, a car and a $1 deposit, the million dollar value here would be significantly higher than a home loan and a $2 million car loan. They seem to have 2 million in deposits, and the combined mortgage and car loan is well over a million, or 2 million. We usually see some big bosses who eat, drink and do business every day. But in fact, many of them are saddled with huge loans. Their real worth is determined by how much money they can make when they complete the project in the future. Once they lose money, they will be heavily in debt.