你的儲蓄是總收入的多少%? - 婚姻
By Margaret
at 2023-03-11T14:16
at 2023-03-11T14:16
Table of Contents
收入6-7萬不能生小孩?少在那邊自我優越好嗎?6-7萬的收入生孩子的多的去了,只要做
好生活規劃,這沒什麼不可以,
不過儲蓄率這點倒是真的,但就像推文說的,儲蓄率是相對的比例,不能直接看結果,我
自己是的想法是這樣,家庭年收:
60萬內年儲蓄率 10-20%
60-100年儲蓄率 20-30%
100-300 年儲蓄率 30-40%
300-600年儲蓄率 40-50%
600以上就 50%以上
大概這樣我覺得合理,另外房貸其實扣掉利息也算是儲蓄的一部分,所以上面的比例應該
是非常合理。
※ 引述《WireShark (只有對錯,沒有性別)》之銘言:
: 夫妻結婚後
: 總會買房生小孩幹嘛幹嘛的
: 開銷就來了,而且很大
: 你的儲蓄是總收入的多少%
: 比如夫妻倆共收入10萬
: 但是房貸車貸養小孩、生活費繳一繳
: 差不多存兩萬, 20%
: 我覺得最低最低也要有20% (我自己是30%
: 低於這個數的都是在玩命
: 或者說是打腫臉充胖子
: 結婚後我體悟到一件事
: :不是"貧賤夫妻百事哀,是錢賺不多還想生活優渥,才會百事哀
: 買房養小孩其實都是奢侈開銷
: 有些人衝著一個憧憬、或是他媽的傳統、延續香火
: 也不管夫妻倆收入不到七萬六萬
: 就生孩子了,如果還有買房更是玩命
: 只要夫妻有一人出意外、被解雇,或是生到殘缺兒
: 就直接從小康生活,摔到低收入口的生活水平了
--
好生活規劃,這沒什麼不可以,
不過儲蓄率這點倒是真的,但就像推文說的,儲蓄率是相對的比例,不能直接看結果,我
自己是的想法是這樣,家庭年收:
60萬內年儲蓄率 10-20%
60-100年儲蓄率 20-30%
100-300 年儲蓄率 30-40%
300-600年儲蓄率 40-50%
600以上就 50%以上
大概這樣我覺得合理,另外房貸其實扣掉利息也算是儲蓄的一部分,所以上面的比例應該
是非常合理。
※ 引述《WireShark (只有對錯,沒有性別)》之銘言:
: 夫妻結婚後
: 總會買房生小孩幹嘛幹嘛的
: 開銷就來了,而且很大
: 你的儲蓄是總收入的多少%
: 比如夫妻倆共收入10萬
: 但是房貸車貸養小孩、生活費繳一繳
: 差不多存兩萬, 20%
: 我覺得最低最低也要有20% (我自己是30%
: 低於這個數的都是在玩命
: 或者說是打腫臉充胖子
: 結婚後我體悟到一件事
: :不是"貧賤夫妻百事哀,是錢賺不多還想生活優渥,才會百事哀
: 買房養小孩其實都是奢侈開銷
: 有些人衝著一個憧憬、或是他媽的傳統、延續香火
: 也不管夫妻倆收入不到七萬六萬
: 就生孩子了,如果還有買房更是玩命
: 只要夫妻有一人出意外、被解雇,或是生到殘缺兒
: 就直接從小康生活,摔到低收入口的生活水平了
--
Tags:
婚姻
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