Why do people become more and more reluctant to spend money when they are middle-aged?
When people reach middle age, on the surface, they are more and more reluctant to spend money, but in fact they have no money to spend.
When people reach middle age, it is also a time when life pressure is increasing. It costs money for food, clothing, housing, and transportation. It costs money to support parents, and it costs money to educate children. You can really realize that you can't do anything without money. Had no choice but to live a life of austerity.
Difficulty earning money
Money is not easy to make, especially in middle age.
Ordinary units and enterprises, if they reach the age of forty and still cannot make some achievements, they will basically be finalized.
It will be difficult to think about promotion in the future. Basically, it is destined to be in that position and give silently for a lifetime.
Some jobs that make quick money basically eat young people. Especially in the IT industry, the replacement of employees is very fast. By the age of 30 or 40, companies generally start thinking of ways to get rid of them.
Therefore, it is often said that the middle-aged crisis is the most painful for middle-aged people to lose their jobs.
Even if it is not easy to make money, the problem is that there are still many places to spend money.
high cost of living
Clothes, food, housing and transportation cost money, mortgages, car loans, and people who are under pressure can't breathe.
In addition, children are studying, and the cost of education is also a very large expense.
If the parents have pensions, it’s okay, if they don’t have pensions and don’t have much savings, then they must undertake the obligation to support their parents without hesitation.
Like myself, I'm only in my early thirties, and I'm not even the threshold of middle age. I'm already living a penny that I can't wait to break into two petals.
The child is still relatively young, and there is no elderly person to help with the child, so only one person can be sacrificed to take care of the child at home full-time.
If you go out to work alone and earn money to support your family, you can imagine the pressure of life.
Like my salary income, it's not too low. Every month I get around 10,000.
However, the mortgage is 3,000 a month. Property, water, electricity, gas, and communication costs are about 1,000 a month.
I keep 1,500 yuan per month, and the remaining 5,000 is the living expenses of my wife and children.
I really don't dare to spend a penny, and travel is by subway and bus. As long as it's a party that spends money, it's basically push and pull.
What I think in my mind is that if I spend a penny less, my wife and children can spend a penny more.
Fortunately, my parents are in their early 50s, not yet retirement age. If they retire in the future and don't have enough money to live on, then I have to give a part of the money to the elderly as living expenses every month.
When people reach middle age, their physical functions begin to age, and they want to start saving money for retirement.
There is a saying that when people reach middle age, they want to put a few grains of wolfberry in it when they drink a bottle of pure water.
Like before when I was young, staying up late was the norm. When I was in college, I didn't go to bed until one or two o'clock at night every day.
When I was young, I didn't know how to cherish my body. When I got to middle age, I would feel more and more that my body was getting worse day by day.
If you are in poor health, you will be worried, and you will think about your life when you are old.
Therefore, when ordinary people reach middle age, they will start to make plans more or less, and they will think about saving some pension money for themselves.
Even if you have a lot of money, you don't dare to mess around, let alone spend money indiscriminately. Save it for your children to start a family in the future, and for your own retirement in the future.