2025年一則存款數據讓大家沸騰：全國人均存款破10萬元大關。

At the same time, there is another such saying, which was agreed by many netizens at that time:

Q:為什麼中國人民銀行規定銀行破產後存款賠付上限不是500萬而是50萬？

A:因為根據中國人民銀行後台數據來看，大多數人一輩子的存款金額都不到50萬。

所以，這麼算起來，普通人一輩子靠上班的存款大概在10萬到50萬之間。

But the money you can make with 996 work alone is limited.

You might say, "It's good to have a part-time job, pay on time, pay every month, and be stable." ”

Yes, it is true that the part-time job is stable, but there is also the biggest problem with stability - you can't make a lot of money by working part-time. Every month you work hard and find that you can't save much money.

而國家統計局數據顯示：中國家庭平均存款僅23.6萬，60歲以上老人存款中位數9.3萬。

Behind this data, many migrant workers exclaim that their savings are not that much at all!

It may be that the data has been affected by structuring and regionalization, and most people have been "averaged" by high-income families in Beijing, Tianjin, Shanghai, Jiangsu and Zhejiang.

而對於普通人來說，23歲畢業，60歲退休，就算月薪2萬，一生總賺888萬。最後又能存下多少錢呢？

Today, let's try to calculate where is the ceiling for making money for an ordinary worker who only relies on 996 in his life, and how much money can he save?

Let's first fictional life script of a "worker":

Revenue

✔️ 23歲起薪1萬，每年漲薪5%

✔️ 37年不失業，退休前年薪34萬

✔️ 總收入≈1376萬（含複利）

On the spending side

✔️ 買房：貸款本息400萬（一二線城市老破小）

✔️ 買車：兩輛車+養車150萬（含車位）

✔️ 養娃：兩孩教育136萬（補課費佔大頭）

✔️ 吃喝拉撒：每月6800，37年300萬

✔️ 人情世故：80萬（份子錢+急診備用）

理論存款：1376萬-1066萬=310萬上，這可能就是996打工人靠上班一輩子理論上可以存下的“天花板”存款了。

Do you think it's more or less?

It seems that a worker can earn tens of millions of dollars in his life, but the money that can be left is not enough, I wrote an article a few days ago: How much savings will ordinary people who are about to be 30 years old have, have you reached the standard?

Many people have commented that there is no deposit at all, and it would be good not to be in debt.

Now in 2025 years, everyone talks about how hard it is to make money, and it seems to be even harder to save money. So how does the money evaporate?

House prices: Drain the wallets of three generations

房子首付100萬≈普通人不吃不喝8年；貸款利息≈再送開發商一套房（30年多還200萬）；買房花掉總收入的58%（國際警戒線30%）。

Education: The bottomless pit for middle-class families

一、二線城市養娃到大學最少250萬/個；補習班年均漲價12%（比房價漲得還兇）；在大學前的教育支出是發達國家的3倍。

Consumerism: The Trap of Boiling a Frog in Warm Water

Unhealthy takeaways also have a cost 40% premium (ingredients only account for 0%); The average annual depreciation of electronic products such as mobile phones is 0% (half price for new models and old machines); Automatic deduction for members: video/fitness/e-commerce annual cards have become an indispensable hidden charge.

有一句戲語稱：“上班賺錢下班花，一分別想帶回家。”如果單單靠上班賺錢等工資再陷入各種消費的迴圈，我們普通人好像真的很難跳出“存款300萬”的天花板。

So, how can we counterattack and change our lives and take the initiative to break the game? Today I will share with you a few ways for ordinary people to break the game.

Mental method 1: Jump out of the thinking trap of the original family

There is a saying that "it is difficult to produce a noble son from a poor family", and it seems that the rules of this world have become: the rich will be rich, and the poor will be poorer.

This sounds heart-wrenching, but it does say some truths:Many people are confined by their families of origin in the first few years of their careers.

It's not terrible that the family conditions are not good, but what I am most afraid of is being dragged back by the old concept of the original family, and there is no way to move forward.

It is true that the thoughts of family members can sometimes give us some security, but they can also prevent us from moving to higher places. What's more, if our parents are at the bottom of the society or in a small city in the 18th tier, they may not have the option to make a lot of money and live a good life in the life they plan for us.

Therefore, if we want to change, we have to find a way to jump out of the fixed thinking of the original family, take the initiative to learn and grow, and see more of the bigger world outside.

Mental method 2: Open up the pattern and learn to calculate the long-term account

There is a big difference between the poor and the rich in their thinking:The poor tend to only focus on the small interests in front of them, while the rich look at the future and calculate the long-term big account.

If you only think about how much money you can make today, it's like walking on a very narrow path, and if you encounter a little accident, you won't be able to go on.

Learn to plan for the long term, constantly improve your ability, and grasp the means of production, in order to find more ways to make money. Stop just staring at the little money you get today, and think more about how you can make more and more income in the future.

Method 3: Narrow the information gap and seize a good opportunity to make money

Have you noticed? , There are some people around me who have similar education and ability, but their income is very different?

This is largely due to the fact that they don't know the same information.

In the current information age, information is the key to making money.If all you read every day is celebrity gossip and how to save a few dollars, then your vision and thoughts will be limited to a small circle.

"If you take the initiative to understand "what are the opportunities to make money in emerging industries" and "how to improve your competitiveness in the workplace", or even this information can be easily learned using AI, your thoughts and actions will be different, and there will be more opportunities to make money.

Mind method 4: Change a good circle and make progress with excellent people

There's a good saying:"The 5 people you come into contact with most often are your future."When you think about it, it really makes sense.

When I first graduated and joined the company, everyone's ability level, salary level, etc. looked similar. But as career paths become more and more different, and the circles they are exposed to, people will also change very much.

If your colleagues are either talking about their parents' shortcomings every day, they are complaining about their work. Originally, he was a very self-motivated person, but after a long time, he was easily affected by this atmosphere, and he was not motivated to go to work, and he just wanted to relax after work. There will be little progress in career development, and income will not increase.

If you are surrounded by people who are positive and can make money, you will also be inspired to try to make yourself better.

But if the people around you are "lying flat", then you are also easily influenced by this negative attitude.

Mind method 5: Learning time management and self-management is the key to breaking the game

There is a saying that "the time that really widens the gap between people is the time outside of 10 hours of work". As an ordinary office worker, working and commuting will occupy more than 0 hours every day, almost half of the day, so if you want to grow quickly, you must make good use of your spare time, manage our time well, and effectively manage your life.