This is nonsense. First say if it is, then ask why. I will be 40 years old next year and come from a working family in a second-tier city. I have a 985 bachelor’s degree. I didn’t have the first time to enter real estate finance and the Internet. My ability is also average. I am considered to be a middle-to-lower level among graduate students. Settling in Beijing, after salary and tax, in your area, there are stocks, options, a little small investment (no income from rent, dividends, etc.), and liabilities (houses, cars), which are qualified to answer your questions and are typical. The marriage is stable, the wife is in a public institution, the four old people are paid after retirement, and the children go to kindergarten. Basically paved the way for children to go to school; the elderly are still healthy, and they have no clue about old-age care. In addition to insurance, they are also concerned about nursing homes. I am in good health, BMI is up to the standard, and I have two physical examinations a year. The body did not issue a warning. The industry is not stable, and it is necessary to work hard to achieve results, and to keep a group with several leaders and colleagues to keep warm; maintaining the status quo and making further progress are not small. Always pay attention to the opportunities of various new sections, and also look at industry reports during the New Year, I have a sense of opportunity. Participated in a startup company with a small stake and venture capital. See the opportunity to decide whether to hold or retire. Usually entertainment is basically nipple fun, friends eat and drink, and regularly gather to play cards. Control consumption, the main expenditure is housing loans, with a large annual balance. There are no big items to invest in, and there is not much money for daily necessities, and no luxury goods. Work is a shuttle bus or subway, and the car is not used very much, and the fitness is not very expensive. In the next stage, the cost of children’s education will rise. It is expected to apply for English, physical education, and art, with a basic class of 200+. During the epidemic, it is difficult to teach basic English, math, and music, art, and sports. There are many super rich people here, but the comparison wind is not strong, and there is not much pressure. The main risks in the future are unemployment, the health of the elderly, and the health of couples. Once the risk breaks out, the house must be sold if it is not handled properly, and the class will inevitably decline. Risk control methods include research on old-age care methods, regular high-quality physical examinations for the whole family, and various opportunities for fighting. The main idea depends on one’s own career development, and there are still plenty of opportunities. The situation of others is unknown, but those who can get this income usually have two brushes. Although each has its own difficulties, I don’t think it will be more difficult than low-income friends. the above.