Household savings are divided into 6 major classes, below 60% of the third class
2024-05-30
109 CommentsWe all know that family savings are a key indicator of a family's economic strength. It affects whether we can operate our lives normally. Family savings are closely related to many factors, such as the level of family income, the number of workers, income channels, and family expenditures.
Generally speaking, when family expenditures are relatively low, savings will correspondingly increase, and the risks faced by the family will also decrease; the higher the income, the more savings there will be.
Based on the amount of family savings, they can be roughly divided into six major classes, and our country is basically 60% below the third class. Of course, as the class rises, the proportion of family numbers gradually decreases. Families in the lower classes have relatively fewer savings and may face certain economic pressures; while families in the higher classes often have more substantial savings and are more financially comfortable.
So, what are the six classes? Today, let's walk into this article together to understand these six major classes and see which class we belong to.I. Lower Three Tiers of Families
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In our country, the majority of families are still in the lower three tiers, often facing various challenges and pressures due to insufficient economic levels, and they may encounter certain challenges and pressures in terms of their finances.
The first tier is, of course, the impoverished families, which typically have savings ranging from 0 to 40,000 yuan and find it difficult to increase this amount.
Within these impoverished families, members generally rely on manual labor to earn meager incomes. Their work is arduous, and they risk losing their jobs if they are not careful. Moreover, their wages are not likely to see significant growth.
Their living conditions may be quite basic, with simple and affordable household items. Their daily diet is also quite plain, and they cannot enjoy the variety of foods that other families might. Additionally, when faced with sudden situations such as illness or accidents, the weight of life's pressures can be overwhelming.
In recent years, as our country has developed, these families have been gradually moving towards the next tier, although some still remain in this situation.
Next, we come to the second tier, which consists of families that are just getting by. These families typically have savings between 50,000 and 80,000 yuan.
Compared to impoverished families, families that are just getting by have a more stable income, and although their jobs may be ordinary, they are not at risk of losing them at any moment. Therefore, their basic needs are generally met.
(Translation continues from the original text provided.)However, economically they still do not have much surplus wealth. But at least they can reasonably arrange their own lives, allowing their children to enjoy some basic material and entertainment during their growth process. The third layer is the striving families with savings between 90,000 and 300,000 or more.
They are full of hope and goals for their family life, and they often work hard to improve their living conditions. In their economic life, they face certain financial pressures, but basically, every member of their family is working hard to create better living conditions for their loved ones. In such families, they practice frugality, spending money where it is most needed, and they place great emphasis on their children's education. They hope to change the family's destiny through knowledge and effort.
Compared to the two layers of families mentioned above, their lives are relatively more relaxed, allowing the family life to function normally, and their jobs and salaries are more stable. Although these three layers of families have a low economic level and face great economic and life pressures, they have been striving for their family and life.
They hope that one day their economic level can meet the normal needs of the family, and they can also have some money to let their family enjoy some different lives. With the support of our country, the economic level of these families is continuously improving, and it is hoped that one day their family savings can move up to the next level.II. Upper Three Tiers of Families
Families in the upper three tiers generally have a higher economic status and standard of living, as they typically possess substantial savings. Their sources of income are also diverse, with family members often engaged in high-paying professions or successful businesses. In their daily lives, they can enjoy a richer array of material resources and a higher quality of life experiences, allowing them to pursue their interests and hobbies, as well as having more opportunities to explore and develop.
The first tier of the upper three is the "xiaokang" class. The xiaokang class is in a relatively good state in terms of economy and living standards. Their family savings usually range from 400,000 to 800,000 yuan. They have stable jobs and incomes, which not only meet their basic living needs but also allow them to enjoy a rich material and cultural life. Most of them own their own homes, possess a certain level of consumer power, and can afford to buy higher quality goods and services. Their pursuit of living standards and lifestyles is fundamentally different from those in the lower three tiers.
Moreover, they place great emphasis on their children's education and have sufficient means to provide them with good learning conditions and opportunities, enabling them to better adapt to societal changes and development.The social stratum that naturally ranks above the small-well-off class is the middle class, whose family savings have reached or exceeded 9 to 40 million.
This is an existence that is unimaginable for most of our families.
Moreover, the middle class generally possesses a very high level of education and professional skills in their respective fields, and the value they can create for society is incomparable to the other strata.
Their occupations and incomes are more stable, their lives are more comfortable, and they basically do not need to worry about economic aspects; their savings capacity and consumption levels are also very high.
They place great emphasis on the quality of life and are more concerned about the education of their children, being able to provide a good growth environment and educational resources for their offspring.
In addition to their children, they also have more time to improve themselves, learning new skills to better adapt to the rapid changes in society.
Their stratum is also very important in society, often actively participating in community building and public affairs, contributing their own strength to society.
The last stratum is naturally the wealthy class, whose family savings have reached or exceeded 10 million.
The wealthy class is a more prominent group within the socio-economic structure. They usually achieve certain success in the business field and have substantial wealth to support their lives, which have reached a level that can be described as luxurious.And they possess high-end real estate, luxurious vehicles, and various expensive consumer goods, enjoying the ultimate material pleasures.
They pursue a higher quality of life, and they do not have to worry about job instability, as people in this stratum are generally bosses who are unlikely to become unemployed unless they encounter some major accident. Moreover, their role in the economic life is very significant; sometimes their decisions and investments can have a substantial impact on the entire economic market.
Their support for the national economy is also a significant presence. However, this stratum is also a minority in our social life.
The living standards of these three strata are essentially consistent, with each level pursuing a higher material and spiritual life than the last.
Their current numbers in our country are still relatively low, as our country is in a state of development.
III. Commonalities of the Strata
Although we divide into six major strata based on family savings, their economic levels, living standards, and the life they pursue are different.However, they all have their own worries or pressures to varying degrees.
For the lower three strata, their greatest pressure is actually economic; without a sufficient economic level, it is difficult for them to do what they want to do. Therefore, their biggest problem is the lack of sufficient economic support.
However, once they have a certain level of economic support, other contradictions and pressures will come their way.
For instance, the middle class, their economic fluctuations are also quite significant. They need to keep striving and making progress in order to better cope with their changes and challenges, and the same goes for the upper-middle class.
For the wealthy class, the environment and challenges they face are actually the greatest.
We all know that competition in today's business world is very fierce, and as leaders, these individuals must be able to balance their wealth utilization and social responsibilities.
Moreover, the society's attention to them is also very high. They are likely to become the focus of society due to some event, and their remarks will be remembered by the internet. If they make a mistake, the predicament they face is not a small one.
Although the six wealth strata differ in their pursuit of life, economy, and other aspects, they all share a commonality: they must face the competition and economic issues of their respective classes. It is not true that money can solve everything; sometimes the problems they face do not require money to solve.One must be well-prepared and maintain a positive attitude in order to better face one's challenges and risks.
Family savings are very important for every social stratum, and we should do our utmost to safeguard our family savings.
Conclusion
Family savings are a guarantee of our family's economic security and an important cornerstone for increasing our risk resistance. They are very important for every social stratum.
Based on family savings, we are divided into six major strata, and most people in our country are basically below the third stratum.
This is mainly because our country is in a state of development, but one day we will all strive to move towards a higher stratum.
Each stratum has its own pace and state of life, and the challenges they face are also different.
What other opinions do you have after reading today's article? I believe everyone has a clear idea of what stratum their family is in. Welcome to leave your comments in the comment section.