Just keep your deposits honestly.
Continue to reduce your cost of living to offset inflation.
I once heard a speech by a Hong Kong financial planner. She said that quite a number of Hong Kong people spend their lives this way. When they are young, they live frugally and buy a small house, then change to a big house, and then change to an even bigger house. After the children leave the nest, they change to a small house, and the extra cash can be used. Moreover, by constantly changing houses, they can meet the needs of different ages. For example, when you are young, you want to be close to the company, when you are middle-aged, you want to be in a good school district, and when you are old, you want to be close to the hospital, etc.
In the past decade or so, Hong Kong people have been migrating to the mainland. They sold their houses in Hong Kong and bought houses in Guangzhou more than a decade ago. Recently, they sold their houses in Guangzhou again and bought houses in Shunde and Zhongshan. The extra money can live for many more years.
In recent years, there have been constant layoffs. Some employees of large factories in Shenzhen have been laid off and unable to find suitable jobs. They simply sold their houses in Shenzhen and returned to their hometowns. Of course, they still need to work hard to ensure their children's education and future. However, at least the lives of their generation are guaranteed.
When people make a lot of money, they tend to have unrealistic fantasies about their future, thinking that they are great and will always make a lot of money. So their consumption will also be unrealistic. The house should be good, the children's kindergarten should be international, the wife's jewelry should be good... In fact, most of us are ordinary people. We caught the opportunity and made a lot of money occasionally, but it does not mean that we can make a lot of money all our lives. In this case, we should plan our ordinary lives well.
4.5 million yuan is really a lot, enough to live a good life.
My answer is for ordinary people. Ordinary people refer to those who live by labor rather than assets. Inflation is designed to prevent ordinary people from accumulating wealth and force them to work. To put it nicely, it is something that makes social wealth flow. If you can invest more than inflation, you are not an ordinary person. The worst thing is that you make 4.5 million yuan by chance and think you are out of the ordinary. In the end, you find that you are just an ordinary person and then you lose the 4.5 million yuan in investment.
Therefore, it is important to know yourself. As an ordinary person, if you have 4.5 million yuan as a safety net, whether it is medical care or retirement, you are actually very confident. Of course, you also have to understand that this money is for safety net, not for high-end consumption. If you have your own house, you don’t spend too much on daily food and drink. Even if you don’t have your own house, you don’t spend too much on daily life if you go to an economically underdeveloped tourist attraction or go back to your hometown.
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