How much should I save at the age of 30? Some people are anxious with millions, while others save money just to pay off the mortgage.

It is often said that "stand at 30". The age of 30 is an important node in life. Now the first batch of "post-90s" have passed their thirties. Recently, a study has analyzed that the deposit amount of the first batch of "post-90s" at the age of 30 is between 270000 yuan and 380000 yuan. So, how much savings are ideal at the age of 30?

Zhongxin Jingwei has found four "post-90s" in their 30s or so. Some of them are going all out to start a business, although they have savings of more than one million, but they are still anxious; some do not have much savings, but have two apartments under their names. How do they save money? Did you bring them sense of security with your savings?

The following is their story (slightly edited by Zhongxin Jingwei):

"quality assets are more valuable than deposits."

The 32-year-old head of Qiyan's real estate department made a deposit of 100000 yuan.

How much savings should I have at the age of 30? I don't think this question makes any sense. For example, two 30-year-olds both have 500000 yuan in savings. One has a house and a car, and the other has only savings. This is completely different. For 30-year-olds, assets are the key to measuring a person's wealth, and savings are not important.

I have always been very independent. When I was in college, I could support myself by doing part-time work on my own, and the habit of saving began at that time. I remember that when I just graduated, after paying the rent for half a year, there were only a few hundred yuan left. I wish I had steamed buns and pickles every day. In retrospect, that was my most embarrassing period of time.

Fortunately, I graduated in 2011 and entered the real estate industry, which made me catch up with the good era of real estate development in Hainan. When I was just working, I started from real estate sales and sold the house day and night with a lot of effort. After three years of work, I earned more than 400,000 yuan. I bought my first house on a loan in 2014. After the house price went up, the house became my best asset, and now the price has doubled.

When I was 30 years old, I did not have much savings, nearly 100000 yuan, no debt, one property in Haikou and one in Sanya, with a total value of about 5 million yuan. And when I bought a house, I didn't rely on the support of my family. It was all because of my own hard work.

I think you should develop the habit of saving as soon as possible. after all, you can't always work as hard as you do in your twenties, and you have to find a balance between life and work. At this time, the accumulated wealth and high-quality assets will increase effectively, which will greatly improve your financial situation. High-quality assets are more valuable than deposits.

Saving at the age of 30 does not light the way to the age of 40.

The founder of Anne Advertising Company saved 1.5 million yuan at the age of 30.

I am a native of Shanghai, my parents used to be in business, compared with the average family, my family's conditions are very good. I majored in art design. After graduation, I did not choose to study abroad, but spent my money on starting a business.

In 2012, I graduated from the Academy of Fine Arts of Shanghai University. I asked my family for more than 600,000 yuan and set up a joint venture with two friends to set up a studio. From the beginning, it was just the three of us, from design, customer contact, financial management and operation to ourselves. However, because we all majored in art design, only the design link did a good job, and the others were a mess.

For the first two years, the studio was not profitable and could not even make money from renting an office every month. after discussion, we decided to hire full-time staff to do all the business except design, and at the same time expand the business of stage design and exhibition planning.

In 2015, the studio finally began to make a profit, gradually expanded the size of the team, established a design department and exhibition department, and the volume of business is also increasing. Over the past five years, our three founders received more than 2 million yuan in salary plus dividends.

When the epidemic of COVID-19 came in 2020, the exhibition business and outdoor advertising business decreased rapidly, and the operation of the studio fell into a cold winter. After struggling for a year, the studio's cash flow almost dried up, and several employees resigned, so the studio had to cancel the exhibition department and switch to the short video field.

At that time, it was really difficult. The studio relied on online art design, but the rent had to be paid. When the company's cash flow ran out, the three of us founders invested more money and maintained it with our own savings. In the past two years, I have invested nearly 1 million yuan alone. It was not until the beginning of this year that the studio slowly recovered, and the short video business also improved and was able to get some advertising revenue.

At present, I have 1.5 million yuan in financial management and savings. I thought I could earn "the first 5 million of my life" before I was 30, but I didn't expect such a change. For me, a 30-year-old savings won't light the way to 40. Only by constantly learning and making progress, keeping up with the direction of market development, and constantly improving the core competitiveness, can we maintain the pace of progress, and this is also true for individuals. Deposit is not the most important thing.

It is impossible to quantify how much savings are ideal at the age of 30. For people with stable jobs, savings of 300000 to 500000 yuan are enough to rest easy, but for entrepreneurs, this money is not enough to resist risks. let alone consider pension and health care and other issues.

Moreover, there is no comparison between different academic qualifications and different families, and top talents with high academic qualifications may be able to earn ten years' salary of ordinary employees after working for a year or two. Take me, for example, if my family hadn't given more than 600,000 yuan to start a business, I wouldn't have had a chance to earn millions of savings at all.

I think it is enough to have a foothold in the industry, a way of making a living, a sense of propriety, optimism and a stable and happy life at the age of 30. There is nothing special about standing at thirty.

"my dream is to pay off the mortgage by the age of 30."

Yang Yang, a 28-year-old state-owned enterprise engineer, saved 80,000 yuan.

Don't ask me how much savings I have when I'm 30. My dream is to pay off my mortgage before I'm 30. I majored in architecture when I was in college. After graduating in 2016, I worked as a construction engineer in a state-owned enterprise. I currently work in Chengdu. In 2018, I bought an apartment with a loan, and now I still have a mortgage of more than 300,000 yuan and a deposit of only a few hundred thousand yuan.

When I was in college, I had no habit of saving. I always spent as much as my parents gave me. I was a standard "moonlight clan". When I first graduated, I worked on the front-line construction site, and I worked on bridge engineering, so each project was in a remote and uninhabited mountainous area. I could only drive dozens of kilometers to find a small town, and I didn't have the time or opportunity to spend money.

During the three years of working in the mountain area, the salary has basically been saved, almost more than 300,000 yuan. In 2018, I returned to work in Chengdu head office. With the help of my parents, I borrowed more than 600,000 yuan and bought a house worth more than 1 million yuan in Chengdu, which opened my way of "debt".

In fact, there is a lot of pressure to repay the mortgage every month. I choose to pay off the loan of 600000 yuan in 20 years, and the monthly payment is more than 3900 yuan. in addition to the principal, the annual interest has to be repaid more than 20,000 yuan, so my ideal is that I can pay off the mortgage as soon as possible.

Over the past four years, most of my salary has been repaying the mortgage, and there are still more than 300,000 yuan to be repaid.

I have plans to get married in the last two years, and now I am saving to get married while paying off the mortgage. But there is no particular anxiety, after all, there is a stable source of income, but also have their own skills. Although the mortgage brought me a lot of financial pressure, but let me have a place to live in this city, psychologically, this stable life has given me a great sense of security.

For me, it is ideal for me to pay off my mortgage at the age of 30. I don't want to have much savings. In my personal opinion, savings are not that important when you are thirty years old, but the ability to settle down is the most important. At any time, the most precious wealth is not the wealth itself, but the ability to create wealth.

At the same time, consumption should also be rational, restrained and planned. After working in the mountains for three years, I am keenly aware that many consumer and material needs are not so necessary. I now consider three questions every time I buy something. Is this item necessary? How practical is it? What kind of convenience can it bring to my life? I also believe in Occam's razor law, "if not necessary, do not add entity", simple and effective is my life credo.

"if I can't stand up at thirty, I still have to rely on my parents."

The 30-year-old family of employees of Licheng Institution saved 100000 yuan.

"Thirty can't stand up." this is my current situation. I was born in 1991 and will soon be 31 years old this year. I went back to my hometown after graduating from college, worked in an institution, got married in 2018, and now my children are 3 years old.

It's not that I don't want to "stand" and insist on getting old, but that I can't stand up at all. Working in an institution in a small city, the salary level is not high. The monthly salary of 4,000 yuan is more than 3,000 yuan, and my personal annual income is less than 50,000 yuan. If you only rely on your own income to buy a house and a car, you need to struggle for 20 years without food or drink.

Before we got married in 2018, our parents bought this house with more than 700,000 yuan for us. At that time, the two of us had more than 300,000 yuan in savings, and we still had more than 200,000 yuan left after we got married. We thought the money would be enough to have children, but we were careless.

In 2019, my daughter was born. Because my wife was a dance teacher, there was no way to work for a long time from pregnancy to the birth of my daughter. My family expenses depended on my monthly salary of more than 3,000 yuan and my savings of more than 200,000 yuan.

During that time, money was spent like water, and in my wife's words, the child was a "four-legged golden beast". My daughter's milk powder is purchased from abroad, a can of more than 400 yuan, drink for almost 10 days, the little guy can drink half of my salary a month. Fortunately, both parents often help us take care of our children and bear some expenses at the same time.

My daughter is 3 years old this year, and more than half of the savings of more than 200,000 yuan saved after marriage have been spent. At the beginning, the purpose of saving money was to get married and have children, but now I feel that as long as the children thrive, both parents are in good health. Savings are only a number, and security is more important than anything else.

When we should rely on our parents, we still have to rely on our parents. we are both an only child, work in our hometown and live in the same city as our parents. I do not think that gnawing is always a bad thing, just like my parents, I have any difficulties to ask them for help, they will be very happy, feel that even if the children grow up also need them, this sense of need is also an expression of love. However, you should be moderate and not too dependent on your parents.

At the age of thirty, it doesn't matter whether you can stand up or not. the important thing is to find a balance between material needs and savings. Deposits are only numbers, and life is the essence.