On March 3 1 day, hurun announced a standard of wealth freedom:
The threshold of entry-level wealth freedom in China's first tier cities is190,000 yuan, that in second-tier cities is120,000 yuan, and that in third-tier cities is 6 million yuan.
It turns out that Hurun is also building momentum. The new list came out. After you 13 people.
standard
"202 1 hurun threshold of wealth freedom" divides wealth freedom into four stages: entry level, intermediate level, advanced level and international level, and divides it into three types of cities in China, including permanent housing, financial investment and annual household income after tax.
The threshold of entry-level wealth freedom in domestic third-tier cities is 6 million yuan, mainly including 1.20 square meters of urban permanent housing, 2 cars, annual household income after tax of 200,000 yuan and financial investment of 2.5 million yuan.
The threshold of middle wealth freedom is 6.5438+0.5 million yuan, which mainly includes a 250-square-meter urban permanent house, a 200-square-meter suburban two-bedroom house, two cars, an annual household income of 500,000 yuan after tax and a financial investment of 4 million yuan.
The threshold of high-level wealth freedom is 69 million yuan, which mainly includes a 400-square-meter permanent house in the urban area, a 300-square-meter second suite in the suburbs, and four cars. The annual household income after tax is 2.5 million yuan, and the financial investment is 25 million yuan.
The threshold of entry-level wealth freedom in second-tier cities is 6.5438+0.2 million yuan, which mainly includes a set of urban permanent housing of 6.5438+0.20 square meters, two cars, annual household income after tax of 400,000 yuan and financial investment of 5.5 million yuan;
The threshold of middle wealth freedom is 4,654,380+0,000 yuan, which mainly includes a 250-square-meter urban permanent house, a 200-square-meter suburban two-bedroom house, two cars, an annual after-tax family income of 6,543,800 yuan and a financial investment of 8 million yuan.
The threshold of high-level wealth freedom is 65.438+0.2 billion yuan, which mainly includes a 400-square-meter urban permanent house, a 300-square-meter suburban second suite, four cars, family annual income after tax of 4 million yuan and financial investment of 40 million yuan.
The threshold of entry-level wealth freedom in first-tier cities is 6.5438+0.9 million yuan, which mainly includes a set of urban permanent housing of 6.5438+0.20 square meters, two cars, annual household income after tax of 600,000 yuan and financial investment of 8 million yuan;
The threshold of wealth freedom in the middle is 65 million yuan, which mainly includes a set of 250 square meters of permanent housing in the urban area, a set of 200 square meters of two houses in the suburbs, two cars, an annual after-tax family income of 6,543,800 yuan and a financial investment of 6,543,800 yuan.
The threshold of high-level wealth freedom is 65.438+0.9 billion yuan, which mainly includes a 400-square-meter urban permanent house, a 300-square-meter suburban second suite and four cars. The annual family income after tax is 6.5 million yuan and the financial investment is 65 million yuan.
Second, urban division.
These are the standards of wealth freedom, at least Hurun thinks so. The following question is how to divide the city into one, two, three lines.
First-tier cities are recognized, including Beijing, Shanghai, Guangzhou and Shenzhen.
Second-tier cities also have lists calling them new first-tier cities. According to the list of CBN, the new lines in 2020 are: Chengdu, Chongqing, Hangzhou, Wuhan, Xi 'an, Tianjin, Suzhou, Nanjing, Zhengzhou, Changsha, Dongguan, Shenyang, Qingdao, Hefei and Foshan.
Obviously, the status of the first-tier cities in Beijing, Guangzhou and Shenzhen cannot be shaken. These new first-tier cities are former second-tier cities.
Other provincial capital cities should be regarded as second-tier cities.
Most of the followers of Hurun's wealth list should be residents of provincial capitals, white-collar workers in provincial capitals, residents and white-collar workers in new and first-tier cities.
What they are most anxious about is wealth and freedom.
The city they live in is as anxious as they are and always wants to upgrade. For example, Kunming once thought it was a new first-tier city.
Wealth and freedom
What is wealth freedom?
Everyone has different definitions of wealth and freedom. If you look up the information, Baidu will tell you that freedom of wealth means having enough time and money to do what you want.
According to this definition, no one can be rich and free, and people's desires are endless. Musk also has no financial freedom because he is going to Mars.
The narrow definition of wealth freedom is that passive income exceeds expenditure.
According to Hurun's list, the entry-level wealth freedom of third-tier cities refers to having a set of 1.20 square meters of urban permanent housing, two cars, an annual household income of 200,000 yuan after tax and a financial investment of 2.5 million yuan. That's 6 million.
6 million is a magic number.
The standard of most private banks is 6 million, which means 6 million cash.
In the early Ming Dynasty, Zhu Yuanzhang stipulated that paper money should always be converted into 1000 copper coins, that is, one or two silver coins. There are two main ways to discuss the purchasing power of money: one is to calculate the current price of silver and copper coins based on the international gold price; The second is calculated at the price of rice. There was no gold as a reference in the early Ming dynasty, and it was calculated at the price of rice. According to the rice price at that time, it was always equivalent to 566.4 yuan in the early Ming Dynasty. Always fold a silver ticket or two.
Ten thousand dollars is twelve thousand dollars, twelve thousand dollars is close to the present six million dollars.
Being rich is probably the freedom of wealth in the early Ming Dynasty.
From this perspective, Hurun's list is not outrageous. Third-tier cities are 6 million entry-level, including a house.
Wake up your dreams.
Being rich is already a rich man among the rich. What is the level of being rich?
Rich, about 60 million.
According to Hurun's list, the threshold of middle wealth freedom in first-tier cities is 65 million yuan, which mainly includes a 250-square-meter urban permanent house, a 200-square-meter suburban second suite and two cars. The annual household income after tax is 6.5438+0.5 million yuan, and the financial investment is 6.5438+0.2 million yuan.
As we all know, a rich man rode a crane down Yangzhou. This is to describe wealth and freedom. It is the threshold of middle wealth freedom in the north, Guangzhou and Shenzhen.
But you may not know the origin of this sentence.
The original text says-
Guests accompany each other and express their opinions. They may wish to make Yangzhou history, make more money or ride a crane. One of them said: I am rich and ride a crane to the state. Want to have both.
The vernacular is that some people want to be Yangzhou secretariat, some people want to have a lot of money, and some people want to ride a crane to rise. The last goal is longevity, because cranes have a lofty position in China culture, especially the red-crowned crane, which is a symbol of longevity, auspiciousness and elegance, and is often associated with immortals, also known as cranes.
But there is a man who wants to have both, to be an official, to get rich, and to be immortal (live a long life).
What a rich man! He rode a crane to Texas.
I don't know what Xu Zhiyuan was feeling when he interviewed Hurun. According to Xu Zhiyuan's "two-pronged approach" ... and ... ",he won't talk about wealth freedom. Maybe he knows what Yu Dafu said: But I want to add a summary to awaken your dream of riding a crane.
5. Inflation
Why should you wake up your dreams?
Because of inflation.
The word inflation is familiar to everyone, which is also known as currency depreciation.
There was such a thing as currency devaluation in ancient times. The depreciation is still very serious.
For example, in the early Ming dynasty, the total value was one or two, and one or two was one thousand pence. You don't have to be so sure that it is 1000. For example, when copper is expensive, one or two pieces of silver will be converted into five or seven hundred copper coins. After a while, the copper market came down and the silver market rose, which was worth 1000, 900, or even 1000.
Let's count by 700 words.
Terrible inflation, 700, changed to 50 in the late Ming Dynasty.
The evidence is in the Water Margin. The storyteller is talking about the Song Dynasty, but it is actually the Ming Dynasty. )
When Li Kui jy gives Gui Li's wife enough money to cook, she always keeps the money in her hand. If the money is 1000, let alone her palm, she can't even hold it. A penny of 5 grams, 50 words is 250 grams, which is half a catty. If it is 1000, it is 10 kg. Li Kui jy went home to pick up her mother and walked from Jining to Linyi. Lin Chong spent 3000 yuan on a knife. If the money is always 1 0,000, it is 15 tons. If a car carries a ton, it needs 15 cars. Not to mention buying a knife worth enough money to fill 15 cars. Let me ask you, is there anything in Lin Chong's house that can fill 15 cars?
Fortunately, we can't live from the early Ming Dynasty to the late Ming Dynasty.
Unfortunately, we live longer and longer. Breakfast, formerly 2 yuan, now 12 yuan.
How many people earned 6.5438+0.2 million in six years?
Think about it, some friends are close to wealth and freedom.
After accumulating a certain wealth, most people want to accumulate more wealth. In this process, many people failed. Go back to the stage of struggle.
Small accounts can't be calculated carefully. Even if it is only a family of three, living according to a relatively low standard will always cost 70,000 to 80,000 yuan a year in the provincial capital city. If you have 40 years to live, you need more than 3 million. This is a healthy condition.
According to the law, the annual income reaches 6.5438+0.2 million, which needs to be reported to the relevant tax authorities. The data shows that in 20 17 years, only150,000 people declared their annual income120,000. According to the growth rate over the years, the number of people whose annual income exceeds120,000 should not exceed170,000 now. If you add people with less awareness of reporting, it is estimated that a person with an annual income of 6.5438+0.2 million should be around 20 million.
At present, there are1400 million people in China, accounting for only about 1.43%. In other words, the annual personal income reaches 6.5438+0.2 million, which has exceeded more than 98% of the people in China.
If your two labors both exceed 6.5438+0.2 million, the total household income is 240,000.
Compare the wealth freedom standard of Hurun's third-tier cities, and you can savor it. (Which cities are third-tier cities? I won't list them. You can search yourself. )
You see, 98% of people can't achieve wealth freedom, so wake up your dream of riding a crane in Yangzhou.