Port communicationAnxiety among the middle class under high debt：Living like a dog with a monthly salary of 50,000 yuan "Don't scold young people loudly"，They will resign immediately，But you can curse those middle-aged people to death，Especially those who own houses, cars and children”… I don’t know when，The pain of middle childbirth doesn’t stop there.。 vaccine crisis、Rents soar、Fertility Fund、Rising prices...link to social topics that are constantly fermenting，It is constantly stimulating the fragile nerves of the middle class。
1 What's jaw-dropping is，A person who earns 50,000 yuan a month lives like a beggar。For example, my friend Little G。 among all friends，He is one of those who can both fight and drink，through one's own efforts，做到深圳一家物流公司的销售经理，Also a monthly salary of 50,000，Two apartments for sale in Shenzhen。 On the surface, he is a prosperous middle class person.，It can be said to be an example for us to strive for.。
In fact, they live a more frugal life than we do.： I spent a long time scolding the toll collector on the roadside.，Just to save two dollars in parking fees； Stay up until twelve o'clock and then go shopping，只为买斤7.8折的排骨…… “你能体会我每一天睁开眼，I just thought about the millions of loans I still have on my back.，每个月不赚到5万元都觉得过不踏实的生活吗？” 不知道的，I thought he was tall, rich and handsome，actually，Carrying high debt。
2 However，This is exactly the normal life of Chinese families。有学者指出，已经有超过三分之一的家庭属于高负债家庭，Real estate accounts for 68% of Chinese household assets，而北京和上海更是高达85%。 Due to the people’s deep-rooted obsession with real estate，There are only two kinds of people in China；One is a person who becomes a "house slave"，One type is a person who wants to be a "house slave" but can't!
my country’s “housing slaves” are definitely a huge group，The repayment burden rate of Chinese house slaves is 39%；That is to say，40% of family income is used to pay off mortgage，Must continue for at least 20 years，这很触目惊心！ 由于过去几年房价不断攀升，Everyone is rushing towards real estate with their heads sharpened.，Everyone is like a man possessed，I have one set but want two sets.，I have two sets and want more sets…In the end, different paths lead to the same destination，On the road of being a house slave。
But things must be reversed，Real estate not only empties the dreams of young people，Empty their wallets too；The property market has created many rich people，For example, multi-millionaires are everywhere in Beijing, Shanghai and Guangzhou，But the truth behind it is cruel，How much a house is worth is just a number，But the debt borne by the house slave，But it's real；Many people take loans from banks，Become a "negative" man among thousands of people! Nowadays, there are many middle class people in Beijing, Shanghai, Guangzhou, Shenzhen and Hangzhou with assets worth millions.，And the assets worth millions are basically that house.。
Loan more apartments，Money deposited in the bank is always higher than prices rising，Currency devaluation is a bargain! Use full strength and leverage，增负债，已成为老百姓实现财富升值的捷径。 3 So，Here comes the problem，How to invest money when you are in heavy debt，thus being able to offset loan interest，How about breaking even? Let’s compare it first。
stock market： Needless to say, the stock market is a miserable green.，There is a big pit as soon as you enter.； X treasure： There is no investment limit for X Bao，And the income is also greatly reduced； P2P： The joy of gathering wool is gradually fading away，P2P is generally in a thunderstorm this year，Although the income is higher，But let’s wait until security improves before considering it.； Bank financial management： It seems that bank financing is more common，What needs to be reminded is that，Not all financial products in banks provide guaranteed returns；And I want to withdraw a large amount of cash，Must make a reservation in advance。
Facing the double attack of high debt and soaring prices，Although miserable。But life goes on，must also continue。Just use the right tools，Nothing is a problem!
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