How much does it cost to spend in a lifetime

Although he is busy with the purchase of a foreign-funded enterprise every day, Mr. Tao's greatest interest is in calligraphy. Because he is busy with work and cannot practice writing often, he often feels that he is born with hands, so every time he chats with friends, the topic he often brings up is early retirement. "It's better to be 45 years old, and you can get rid of the days of working for others now." He looked longing.

"Have you ever thought that you can retire with how much money you earn?" the reporter asked him.

"I already own a house, although I'm still paying off the loan. Therefore, I estimate that I should earn another 2 million yuan. Of course, my strength is limited, and my wife needs to work together." Mr. Tao Break your fingers.

Mr. Tao, who was 30 years old at the time, earned a monthly salary of 8,000 yuan, and his wife, who worked in a state-owned enterprise, earned a monthly salary of 4,000 yuan. The days were also very prosperous. So how much money does a middle-class family like Mr. Tao spend in a lifetime? Let's do a rough calculation. Let’s start by calculating the most basic daily expenses.

Life is trivial, and of course, the expenses of maintaining daily life are also trivial. In one's life, people are inseparable from these four categories of expenditures, which also constitute the most basic living expenses of ordinary families. (We start from Mr. Tao's 22-year-old college graduation, and the life expectancy is 80 years old.)

Food and clothing: Mr. Tao started an independent life after graduating from college at the age of 22. At that time, he was still single, so the cost of meals is relatively High, because I often eat out, I spend about 1,000 yuan per month on food, and the cost of clothing is not high. Calculated, the annual expenditure on clothing and food is about 15,000 yuan. Five years later, Mr. Tao got married, and the two spent about 1,500 yuan per month on food and 500 yuan on clothes. 24,000 yuan per year. Five years of single life and three years of family life have cost Mr. Tao's family 147,000 yuan.

This is just the beginning, and spending on this will continue to increase in the future. From the price point of view, the price of food will rise slowly. Due to the high gross profit of clothing, there is little room for price increases, but with the increase in income, Mr. Tao's expenses on clothing will also increase. We calculate that the cost of food and clothing increases by 3% every year. When Mr. Tao is 80 years old, he will spend 2.707 million yuan on food and clothing, plus the 147,000 yuan already spent in the previous 8 years, a total of 2.854 million yuan.

Residence expenses: Mr. Tao had been renting before his marriage. The rent was 1,200 yuan per month, and he paid a total of 72,000 yuan in 5 years. In 2003, in order to prepare for marriage, Mr. Tao bought a house. The cost of purchasing the house will be calculated separately in the following paragraphs. Here we only calculate the cost of using the house. The building area of this house is about 100 square meters, and the property management fee is 2 yuan per square meter per month. After calculating, the monthly property management fee is 200 yuan, which is 2,400 yuan a year. The property management fee is bound to rise in the future. According to the average annual growth rate of 3%, the cost of property management in 50 years is about 270,000 yuan.

Public transport costs: Mr and Mrs Tao have not bought a car yet. I plan to buy the family's first car next year, aiming for a medium-sized car. Now the two commute by public transportation, and the average monthly cost is about 600 yuan. Of course, once you buy a car, the cost of public transportation will drop. We assume that after buying a car, the cost of public transportation for two people will drop to 400 yuan per month, or 4,800 yuan per year. However, the cost of public transportation is under pressure to increase in price. According to an annual increase of 3%, it will cost a total of 546,000 yuan in 50 years. As for the cost of buying and using a car, we will calculate it later.

Utilities: utilities such as water, electricity, gas, etc. are also essential in life. According to the current consumption situation of Mr. Tao's family, the monthly expenditure in this area is about 300 yuan, and the annual cost is about 3,600 yuan. However, such expenses are obviously not high, and there is a possibility of further increase in the future. Taking into account the factors of public utility fees, the annual expenditure on this will increase by at least 5% in the future, and a cumulative expenditure of 750,000 yuan will be required in 50 years.

Communication fee: The communication fee was originally paid by automatic bank transfer, so Mr. Tao didn't care about the specific fee, but after the reporter's reminder, he took out the statement that just arrived last month. As a result, the bills for the two of them are more than 120 yuan each, and the average home phone number is 80 yuan per month. Let's be conservative and calculate the average monthly communication cost for the two of them to be 300 yuan, so 3,600 yuan a year. If the broadband cost installed in the home is also included, the total annual communication cost is 4,800 yuan. Since the telecommunications industry is a monopoly industry, as the monopoly is gradually broken, communication costs will decrease, but consumption will increase. We calculated that the annual cost will not increase, and the total expenditure for 50 years is 240,000 yuan.

Medical expenses: Because the couple are both young, Mr. Tao says they spend little on medical care. Suffering from several colds, plus some daily medicines, it is about 400 yuan / year. It seems that the expenditure of medical expenses is not much, but with the increase of age and the increase of medical expenses, the expenditure of medical expenses in the future will not be a small number. In the first 20 years, the annual increase is 5%, and after the age of 50, the annual increase is 10%, and a total of 196,000 yuan of medical expenses need to be paid in 50 years. This figure is still a very conservative figure, based on the absence of major diseases and the enjoyment of medical insurance.

Beauty and health care costs: It is worth noting that Mrs. Tao often goes to beauty salons, and the cost of beauty and skin care is generally 150 yuan per time. According to the standard of twice a month, there are 24 times a year, and a total expenditure of 3600 yuan. In addition, Mr. Tao spends a certain amount of money on health care products, such as vitamin tablets, and the annual cost is about 1,200 yuan. After Mrs. Tao retires, the cost of beauty may decrease, but correspondingly, the expenditure on health care will increase greatly. Therefore, we conservatively estimate that the annual cost of beauty and health care will remain unchanged at 5,000 yuan. Assuming that the annual expenditure on this does not increase, the total expenditure for 50 years is 250,000 yuan.

Housekeeping service fee: Since the daughter is only two years old and has not yet entered the nursery, and both parents are out of town, Mr. Tao hired a Jiangxi nanny to help take care of the child and life. Currently, Mr. Tao pays the nanny 800 yuan a month, or 9,600 yuan a year. He said that even as the children grew up, the family would still need a babysitter to take care of the household chores, so the expenditure was likely to continue. But it will be lower than it is now. According to Mr. Tao's plan, he will use a full-time nanny before the child goes to primary school. After the child goes to primary school, he will switch to a part-time job. According to the current market conditions, it will cost about 500 yuan per month. And hourly wages are also rising, by about 3% a year. In this way, plus the salary paid to the nanny in the first two years, the cost of 52 years is about 590,000 yuan.

Cultural and entertainment expenses: Mr. Tao especially said that because the children are too young, he and his wife seldom go out to participate in entertainment activities. The couple likes to read newspapers, so they subscribe to a lot of newspapers every year. Yuan. Including the cost of buying books, the annual entertainment cost is about 1,000 yuan. In the future, spending on entertainment will definitely increase, including traveling, watching movies, listening to concerts, etc. The average annual cost of 10,000 yuan is not considered excessive consumption. In this way, the cultural and entertainment expenditure in 50 years will reach 500,000 yuan.

Adding the above expenses together, Mr. Tao's family needs to spend a total of 6.196 million yuan for basic living expenses.

Mr. Tao's family basic living expenses table (unit: ten thousand yuan)