In the past thirty years, per capita disposable income in China has increased from 1,400 to 39,000, an increase of nearly 28 times. In the past thirty years, per capita disposable income in the United States has increased from approximately US$20,000 to US$55,000, an increase of less than three times.

In the next 30 years, China will definitely not see the same growth rate as in the past 30 years. This is common sense. Assume that in the next 30 years we calculate based on this year's GDP growth, that is, an increase of 1.052^30=4.5 times (almost twice the growth rate of the United States in the past 30 years), that is, we will eventually become 17.55W. Taking the average calculation, that is 10.7W. In the next thirty years, most people will not earn 10.7×30=321W.

Therefore, personal life planning should not exceed the number of 320W. It is optional for strong ability, but at least 70% of people cannot do it. In addition, it can be calculated as a couple. The total future expenditure of the couple should not exceed 600W, including raising children. expenditure.

Note that this is the most optimistic estimate. In fact, there is a high probability that we will not reach 5 times the current disposable income in the next 30 years.