China's four major first-tier cities, how much monthly income, can be counted as the middle class?

 First, Let's look at the number of the total working population in our country. According to the 2018 statistics, Of our more than 1.4 billion people, A total of 775 million belong to the working population. The rest of the population, are the elderly, children and students. Of the nearly 780 million working people, According to the 2018 statistics, With a monthly income of less than 2,000 yuan, About 38%, These people basically live in rural and small towns in the Midwest. With a monthly income of 2,000 to 5,000 yuan, About 46%, Almost half of the working population (over 300 million), Belong to the main force.

 It reflects the proportion of each class, which belongs to the standard working-class and basically lives in the second, third and fourth-tier cities. People with a monthly income of 5000 yuan to 10,000 yuan account for about 13% of the total working population. As for the monthly income of more than 10,000 yuan, the proportion is not large, basically living in major cities. According to the wage standard of 2018, the average annual salary of non-private units in cities and towns in China is 82461 yuan, and the average monthly salary is 6871 yuan. The average social wage of urban private units is 49575 yuan, and the average monthly wage is 4131 yuan. In fact, because each city's economic strength gap is very big, each city's salary treatment also has the obvious disparity.

North Guangzhou and Shenzhen four major first-tier cities pay relatively high. Taking the most economically powerful Shanghai as an example, in 2018, the average wage in Shanghai was 7892 yuan. If the income in Shanghai is more than ten thousand, it has exceeded the average of Shanghai. So, the monthly income of more than 10,000 yuan, has entered the middle-class family? Seriously, if only a monthly income of ten thousand, can not enter the middle class, because mainly depends on their place of residence. The level of the city is different, and the monthly living expenses are different. For example, in an ordinary county may be a more prosperous township, a monthly income of more than 10,000 yuan, absolutely belongs to high-income people.

 In the case of a general salary of two or three thousand yuan, he is definitely a middle class. For another city, for example, in the four first-tier cities north of Guangzhou and Shenzhen, the monthly income is more than 10,000 yuan, excluding all kinds of living expenses, in fact, there is no much money left, the quality of life and the third and fourth-tier cities monthly income of four or five thousand groups. Of the 775 million working population in China, the group with a monthly income of more than 10,000 yuan shall not exceed 70 million people, in other words, not more than 10. In fact, these groups are not all middle class, because the actual situation of each family is different. For example, in the north of Guangzhou and Shenzhen and other major cities, only housing loans accounted for a large proportion. Plus other living expenses, even with a higher household income, there is not much left every month.

For most families, there is a common problem, that is, very poor risk resistance. In the event of major accidents, such as business funds freeze, family members seriously ill and so on, the family will immediately fall into trouble. For a middle class, it requires at least hundreds of thousands to millions of activity funds. Once a variety of special circumstances can support a relatively long time. Even in the event of a major change, it will not be beaten back to its original form. Such situations abound, such as families that seem to be rich, facing a sudden major disease that is enough to destroy a family.

 The biggest way for a family is to sell a house. For a family, it is bound to face loans such as mortgages, car loans, business investments, and children's education and living expenses. After these expenses are eliminated, how much money can be left each month is key. Seriously, monthly gross income, a minimum balance of 30% to 40%, is the standard for the middle class. According to the above question, we set a series of standards for the middle class: first, to own their own houses and vehicles, and more than one or one. Second, households have a minimum of hundreds of thousands to millions of reserves to cope with risks and problems.

Third, each month can balance a considerable part of the income, further enrich the household reserve. Fourth, have higher income work or channel. More than 10 years ago, the author was in college. At that time, the author waited for several students in the restaurant, and the two sisters at the next table were chatting. A woman said ," my minimum monthly expenses need 10,000," at that time, the author a face disdain, feel the elder sister deliberately brag. In retrospect, the woman was telling the truth and was the price standard at that time. By the author's side, several families spend between 10,000 and 20,000 a month, or even 20,000,30,000, or more.

 Seriously, in ordinary second-tier cities, the author thinks that the minimum monthly income of families is more than 30,000 yuan, which is the entry standard for the middle class. Because the author has similar families, living expenses and various loans, it takes nearly 20,000 or more a month. In other words, households that earn between 300,000 and 500,000 a year have just been pushed into the middle class. An annual income of 500000 to 1 million families, risk resistance will be greatly enhanced. At this stage, people will begin to consider the education of children, interest training, school district housing replacement, vehicle replacement, career development and so on. Of course, this is the second-tier city standard of the author's life.

If it is in the north of Guangzhou-Shenzhen four major cities, the standard must be greatly improved. One of the author's college classmates worked and settled in Shanghai, working in a foreign company for himself and his wife, with a monthly total household income of about 60,000. In terms of numbers, it's very good. However, every month apart from all kinds of expenses, the day is still tight. According to the students themselves, they belong to the bottom, the most low level. In other words, according to the description of students, in the north of Guangzhou and Shenzhen and other four cities, monthly income of more than 100000 or annual income of more than 1 million, only to enter the entry-level of middle-class families.

 Although this is a classmate's husband and wife's words, CNmoulding feeling is not excessive, relatively close to the real level. After all, it's all about spending, it's a huge number (second-tier cities cost 20,000 a month). Finally, the author and everyone talk about class or circle, not a circle do not squeeze, the author's relatives live in Beijing, the family level is the middle or upper level. The author once asked, why not go further? Relatives answer: live very tired, and the child will be obviously inferiority complex.