How many middle-class families spend more than 9 million of their lives without buying a garage?

Every month, 5th, repay the bank's credit card bill arrears, monthly 10th, to pay off the mortgage, monthly 20th, to give parents a living allowance; every month 26th, the Bank of China Bill to pay; before the monthly 30th, to pay off the utilities such as electricity and gas telephone; next month 8th students get married to pay ...　　This is the family who lives in Shanghai, a couple of two weeks ago to the reporter list of the household financial list, just to the first few of them, has lamented the burden of life a bit heavy. The middle class bill is much more stressful "although the impact of the global financial crisis on our personal income and small families is now not very large and has little impact. But now prices are really high, house prices have been rising, children's education costs are particularly high, medical fees are also very expensive, now life is always everywhere to pay, if you want to live more comfortable, or a bit difficult.　　Mr Liu, a father, has a sense of urgency. It is true that most of our lives are trivial, trivial, daily and repeated, and in our daily lives we have to face those 00 total bills and make a "pay" operation.　　Otherwise, your phone may be shut down, the home may not be cut off, and may be recorded in the bank credit system "blacklist", in short, there will be a lot of trouble. Like Mr. and Mrs. Liu, the middle class of the city, what we often call "middle class", although they already have a house and a car, but in the future there are decades of life, there are a lot of money to spend, and this unprecedented scale of the global financial crisis, even if it does not affect their personal work,　　But it creates a psychological pressure, a real pressure from the economy.　　If there is a bad macroeconomic situation, the most affected are the middle class; if inflation comes, the most affected will be the middle class, not the top of the wealth or the lower class. At present, the global economy has not warmed up, China's export situation has been grim, the shadow of price inflation has emerged, China's future economic development model is not clear ...　　Once the macro-economy in the future into the bottom of two, then there will be more bills "pie" to the middle class, the middle class "pay" pressure is even greater.　　A few prerequisites for a lifetime billing calculation but it is a complex calculation to figure out how many bills are to be buried in a middle-class family.　　Because each person's current living income is different, the condition is different, to future life plan, anticipate also different, this also doomed this computation is the individuality very strong computation. Therefore, we will finish this calculation in accordance with the situation of a middle-class family like Mr. Liu.　　Like most people, we all want to live a rich life, but the real can become rich after all is a minority, more realistic is to live in the production, so we use the cost of middle-class families for example, or have a certain reference value. About the calculation cycle we chose Mr. Liu after graduating from the University of 22 years old, to his 80 years of age this time, as his life, as his life spentThe calculation period of the fee. Since 22 years old before the basic is the parents pay, the individual starts the economic independent burden generally will after enters the society.　　At the same time, Shanghai and Beijing are expected to live longer than 80 years of life expectancy, women are higher than 81 years old.　　Similarly, when it comes to parenting costs for the children of middle-class families, we also calculate when children grow up to the age of 22. About inflation life, seventy or eighty years, in the long river of time but drop, but from a macroeconomic point of view, usually experience several development, in this period of decades, inflation will affect the cost of living a very important factor.　　In order to facilitate the calculation, we put the average price rise index for the next few decades as the year 3%~5%, and specifically which inflation rate, it is mainly based on the characteristics of the single life factor itself, and our daily experience data. With regard to the calculation of the projects involved, we have basically taken into account the large population consumption expenditure as listed in the National Statistical Yearbook, such as health care, transportation and communication costs, cultural and entertainment expenditures, living expenses, in addition, according to the actual situation and future development trends, increase the cost of domestic services, automobiles, childcare, support parents and other expenses.　　The data part refers to the actual situation of the case, some future expenditure items can be estimated according to the current market standards and combined with inflation factors to calculate the future value, such as education costs according to the Shanghai Municipal Bureau of Education fees, the cost of the car, according to the current oil prices, charging standards and in accordance with the In addition, to facilitate the calculation, we do not have to cover the expenses of insurance.　　[Page] The middle-class family will spend more than 10 million yuan to compare Mr. Liu's case, to maintain the current generation of living, even if they do not buy a house and do not buy a car, the daily life of the total expenditure and cost to reach more than 9.58 million yuan.　　If this kind of family does not buy a house, only to buy the bus and in accordance with the frequency of 5 years to change, a lifetime also want 11.03 million yuan. If you want to buy a house, after a few years to change a bigger lot better houses, while the husband and wife two people buy a car, it is more than 13.49 million yuan.　　The specific proportions are shown in Figure 1.　　If Mr Liu wants to change his big house before he retires, or if he wants to buy a luxurious car later, he will need more expenses.　　Car-raising costs, childcare costs, medical costs, are very expensive, even for Mr. Liu, a middle-income family in the international metropolis is a considerable burden, coupled with the cost of both husband and wife pension, the total life bill over 10 million yuan is not unusual. Figure 1: Middle-class family life of all kinds of bills and accounted for a good financial side can not calculate, a shock. When the reporter calculates the basic life on the way will encounter all sorts of bills, the calculation result really startled, estimate the reader friend will have similar feeling, how to want so much money ah? How can you and your lover earn so much in your life?　　You're not living beyond your means? Besides, what if the future wage growth is not so fast? Once you lose your job? OrIs the economic situation of the whole society getting worse? Actually, don't worry about it.　　This newspaper is not planning this theme is not to "let everyone scare," not to let everyone feel a greater survival and life pressure, not to give everyone to increase the sense of urgency, just to let everyone have a concept in mind.　　We might as well take a look at the income curve and the spending curve of life. The expenditure curve of a person's life, from birth to the end of the death from the beginning to cover the issue of cost expenditure.　　From a lifetime of schooling, employment, marriage, parenting, home ownership to retirement, all involve different levels of expense, the highest stage of expenditure should be from the establishment of family to have children to purchase property and so on stage. At the same time, we compare the income curve of life, the income curve of life does not run through the whole process from birth to death, but most from the beginning of employment (whether it is wage income or other income), to retire for retirement, the basic end. Therefore, the human income curve only occupies one stage of life.　　[Page] So, can the income of life cover all expenses? For example, we still take Mr. and Mrs. Liu for example, their annual salary is about 110,000 yuan and 70,000 yuan respectively, both of them do not retire early, Mr. Liu and his wife respectively in 60 and 55 years old retirement, in accordance with the average wages of workers 5% annual growth rate to calculate, and assume that after the age of 50, income no longer continue to grow, Then the total income of the two employees in the future period can reach more than 9 million yuan.　　Combined with income before the age of 30 and pension income after retirement, a pair of urban middle-income couples can earn more than 10 million yuan a lifetime. Compared to a lifetime of the basic cost of living to spend 9.58 million yuan (not counting to buy a car, also not luxury life), wage income can cover most of the expenditure.　　Only if you want to buy a good home car total expenditure of 13.49 million yuan, wage income can only account for about 70% of the total expenditure, but also need smart financial planning. Because the balance of payments is not always balanced. So we need money.　　Theoretically, a person does not need financial management if he or she earns enough money to satisfy all his expenses. From the life budget curve, a person's adolescence and old age, their income is basically unable to shoulder the cost.　　For individuals, this requires us to plan our children's education and our own retirement. As far as a family is concerned, parents are burdened with our teenage years and may be under the condition of their children to pay for our retirement period. These assumptions require parents to be healthy and have a stable income, and require their children to grow up healthily. There's too much instability in this.　　The occurrence of risk will change the balance of life curve, in the event of risk, we will have to think about the costs of major responsibility who to "sponsor", who will help us to pay the bill. In fact, the answer lies in active financial management, especially to establish the concept of long-term financial management, rely on financial investment income and other income, to make up for the gap of income such as wages, or through leverage tools to reduce the life may be distributed to the "Bill"。 Warm money can be a better side.　　In a person's life, if only by wage income, then perhaps only to meet the basic needs of life, want to slightly more than a good quality of life, but also need financial to help. Figure 2: A sketch of the income and expenditure curve of life