Now your assets are relatively high. There are two houses, no mortgage and car loan. Although there are two children, the annual family income has reached 450,000 yuan, with a per capita income of 225,000 yuan. This day can be said to be quite good.

In 2020, the average annual salary of employees in different positions in China is about 79,900 yuan, while the average annual salary of middle-level and above managers is 6.5438+0.65 million yuan. Judging from the annual income of your husband and wife, the average annual income has reached 225,000 yuan, which is higher than the average annual salary of middle-level and above managers in China. This income level is certainly enough for you two to live a good life.

Of course, you two now earn 450 thousand, own two suites, and have no mortgage or car loan. In this case, if you can continue to maintain income growth and then save 200,000 to 300,000 yuan a year, then life may be better with the increase of deposits in the future.

If you two can save three or four million yuan in the next ten years and only deposit bank income every year, you can achieve an annual interest rate of 4%, which is120,000-160,000 a year. Such a high interest income is basically wealth freedom, but if you continue to work to make money, your life will certainly become better, and having millions of deposits will greatly enhance the family's ability to resist risks.

To sum up, in Zhongshan, there are two properties, no mortgage and car loan, with an annual income of 450 thousand, which is quite high. If you can be thrifty in the future and save three or four million yuan as soon as possible, your life in the future may be better.

It is a high level! I think I am poor. I envy you! The annual income is 500,000, which is already considered as the golden collar level in most parts of the country. In developed areas such as Beijing, Shanghai and Shenzhen, it should be white-collar level!

Disposable income is the income you get. That is, the remaining part of wage income is deducted from basic old-age insurance, basic medical insurance, unemployment insurance, provident fund and personal income tax. The money left after deducting them is disposable.

If you just have no car loan, no mortgage, no children, and then you are a migrant worker, then your annual income is 450 thousand, which is a high level, and you will live well in Zhongshan!

Civil servants and institutions, or executives of listed companies.

I am also in Zhongshan, similar to us. It's not enough. Credit card must be swiped every month [black line]

Still very poor