The illusion of wealth, the essence of poverty, don’t underestimate a family with 500,000 cash.

Having money in hand brings peace of mind; we Chinese people love to save money the most. Once, China was the only country with a large amount of savings, far exceeding the United States and Japan.

Especially in the past two years, it has often been seen online: someone has 2 million, someone has 1.5 million in their card, as if everyone has money.

Moreover, these people also have screenshots, just to tell you that they really have money.

But is reality really like this?

Recently, the “central bank” conducted a survey. The results are out: the actual proportion of families in the country that can take out 500,000 yuan at once is beyond your imagination!

Real data tells you that these people are just boasting!

1. How many families can take out 500,000 yuan at once?

Don't be fooled by the noise online; many people brag, but in reality, 500,000 is really not a small amount!

Data shows:

Less than 3.7% of households in the country can take out 500,000 cash at once!

What does it mean?

About 490 million households in the country, which means that out of 1,000 households, only 37 can directly take out 500,000!

In other words, out of every 20 families, less than 1 can directly take out 500,000!

2. Note: Cash is not an asset!

Some people say, how is that possible? This data is not true! I have two houses, how could I not have 500,000?

If you say that, then you are completely wrong!

The 500,000 cash mentioned here is real cash flow, not assets! Your car, your house, are just your assets, not your money.

A house is a house, and money is money. Many people, although they own a house, still owe large loans. Not only is it not an asset, but it is equivalent to being in debt!

And this 500,000 yuan is what the central bank has calculated; it refers to a household that can come up with 500,000 yuan without considering assets and without liabilities!

3. Where has all our money gone?

Some people say that we work so hard, and Chinese people are so diligent, yet we don't even have 500,000 yuan. Where has our money gone?

① All on the house:

In recent years, especially between 2010 and 2015, everyone was crazy about buying houses. A house costs over a million, even several million, directly emptying the wallets of two generations and putting most families under mortgage debt. Savings at that time suddenly became empty.

The 300,000 rule for ordinary families.

In economics, there is a law known as the 300,000 law. For ordinary families, based on the current saving speed, once they save up to 300,000 yuan, they usually encounter a financial hurdle. For example, it could be related to children's education, the need to buy a house, or the necessity to change cars. In other words, when the savings reach 300,000 or 500,000 yuan, there will be significant expenses.

③Low wages, weak purchasing power.

The amount of goods an ordinary person can buy with one hour's wage is referred to as purchasing power. Recently, someone conducted a study comparing purchasing power in countries like the United States, Japan, South Korea, China, and Germany, and found that our purchasing power is the weakest. Earning 20 yuan for an hour's work is only enough to buy a bottle of fresh milk and a loaf of bread. Low wages and weak purchasing power result in the inability to save money.

4. Why are the people around me so wealthy?

Many netizens say, why are there so many rich people around me? It seems that everyone has money, but I am the only one who is poor.

Actually, this is your illusion!

I can tell you: Most people's wealth, especially what they show off in their friend circles, is what they want you to see. In other words, they are bragging and flaunting their wealth!

Some people buy luxury cars, wear designer clothes, purchase luxury goods, and dine at high-end restaurants. These do not necessarily indicate that they are wealthy; it simply reflects different consumption values.

Many of the so-called luxury cars that people talk about are actually second-hand and bought on loan! They go to high-end restaurants to eat, just to take photos.

We must not be deceived by these phenomena.

Remember, live well, work hard to make money. In today's society, having money gives you confidence!

**$LUNC **