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There is no difference between original non-deposit and deposit?Expert: In another 5 years, the gap will be clear at a glance


As the saying goes, “You have surplus food in your hands, and you don’t panic in your heart.” In many people’s eyes, they should learn to plan ahead and be prepared for danger under any circumstances. As a result, many people have a “love to save money” mentality.

Jack Ma, the founder of Alibaba. As a well-known entrepreneur in my country, he once stated in a public occasion that even in a special period, domestic market demand still exists. In Jack Ma’s view, today, 1 yuan can move 12 dollars. For a dollar, if the advance consumption is removed, the actual driving consumption can also reach 3.5 times, while the US consumer vouchers are only 0.4 times the driving force. It can be seen that the Chinese have savings.

With the rapid development of our country’s economy, people’s income has been greatly improved, and many people’s “money concept” has also undergone certain changes. After solving the “supply and clothing” problem, many people have turned their attention to a higher level. Spiritual desire.

A related report shows that among the younger generation interviewed, young people between the ages of 18 and 34 have an average monthly savings of 994 yuan, and this data has dropped significantly compared with 2018.

Previously, other data showed that there are about 560 million people in my country with zero deposits, and many young people even have a lot of debt. Is it true that everyone is really out of money? In this regard, some people in the industry said that it is not that Chinese people have no money, but that many people’s consumption concepts have changed slightly.

Nowadays, many young people in our country have no longer the consumption view of the older generation of “they have surplus food in their hands, and their hearts are not panicked”. These people are more inclined to enjoy the moment and hold the attitude of “wine and drunk now”. .

There are even many young people who say that there is no difference between “no deposit” and deposit. After all, no matter whether you choose the former or the latter, the purpose is the same, all for a better life, but is that true? ? In this regard, some experts said that in another five years, the gap will be clear at a glance.

Those who choose “have surplus food in their hands” may be more “stretched” in their current lives in order to live better in the future, but such people are often full of enthusiasm in their lives, and their lives may be more planned. After another five years, they will be able to save a certain amount, which is a certain gap between the lives of those who choose not to save.

Those who choose “who are drunk now” should be able to live a good life if they have a stable job. However, after another five years, their wealth and savings may not change much, and once they become unemployed And so on, his life may become difficult.

In addition, people who choose “who are drunk today” may be inferior to the former in response to emergencies due to their relatively “discrete” attitude towards life.

What’s more, “from frugality to luxury is easy, and from luxury to frugality is difficult”. Those who choose not to save, if they maintain a “discrete” attitude for a long time, once they develop the habit of “going idle” and spending money lavishly, they may become “leisure”. Indebted”.

Of course, different people need different things, whether they choose to deposit or “no deposit”, this is a kind of personal perception of current life.

However, as the saying goes, “Young and strong don’t work hard, and the boss is sad.” In many cases, for young people, “holding surplus food” is still more important. What do you think about this?