錢與家庭該如何兼顧? - 工程師
By Quintina
at 2022-08-20T08:38
at 2022-08-20T08:38
Table of Contents
房子2個人跟5個人住當然是會換房. 雖然房價會漲.
只要薪資有等速起來, 加上賣了舊房,其實負擔不會太大.
很多人不相信. 說穿了就是沒記帳.總覺得花很少
大概條列一下 ( 3大2小, 國中生算大, 兩台車一間房)
1. 食: 一年約50萬. 平常1~5吃公司或營養午餐, 晚餐小煮一下或便當
六,日自己煮會豐盛一點,出去吃就一般餐廳. 另外中餐後通常有水果
記帳的話一個月大概在40000多一些
2. 衣: 很少在買, 平均一年3~5萬
3. 住: 房貸60~65萬 管理費10萬, 水電網路瓦斯等等 8萬, 固定掃地阿姨4萬
房屋地價稅保險2萬,
4. 行: 油錢7萬(約4萬多公里), 保養6+3萬(PM + down tool), 保險6萬
輪胎3萬, 牌照燃料稅4萬. (老車,所以沒車貸)
5. 育: 國小中午下課小孩能丟哪, 安親/補習班 丟一丟, 一個月1.8萬
老爸/老媽都是宅男宅女,總不能叫小孩也跟著當,
找個私人教練陪游泳+泳池場地費每月12000
六日看老爸打電動被罵都不管小孩. 它們喜歡畫畫就送去學電繪每月6000
國中數理超難, 送補習班一個月9000
這樣加一加一個月4.5萬,有些暑假沒上,所以一年約50萬初頭
6. 樂: 老爸PS5, 老媽SWITCH, 小孩子就帶出去看看電影甚麼的. 一年約3~5萬
(不含國內外旅遊)
7. 稅: 所得稅60~100萬, 健保: 7萬(9人份), 健康檢查2萬, 長照意外險10萬
雙方父母每月孝親+年節紅包18萬.
以上已經破300了
還有一堆零零總總, (隨便買個家電,掃地機器人,車子美容,在家上課買個ipad,
年節小孩紅包, 手機上網費)
說真的就只是過得稍微像人的生活而已,這就是鬼島開銷, 不要以為300很多.
未來雙方父母萬一年紀大開始需要醫療行為, 資出鐵定3級跳
薪資千萬不要只看當下, 成長性也是很重要的
另外越早領得較高薪, 可以有更多的複利累積. 很多人不屑
推一些像公務員認為未來領一生這種工作, 以最近的通膨來說.
跟我同年的公務員,大概還要做15年左右(內人就是). 屆時一個月領6萬真的是屁用
相同狀況,個人今年光靠股利已經領65萬了. 加上保險一年約15萬.
誰還給你等到15年後領一個月6萬. 這些也是工作10幾年來慢慢累積的
年輕就是本錢. 要看清現在有的本錢拿去堆積未來的複利.
==
很多人說學投資.大家都當少年股神.
但學習,這就像你在學校學一堆,出社會沒屁用一樣
沒有實質丟錢進去, 學不到東西的. 要丟錢進去就要有賠光的心理準備
如果丟一筆錢進去,賠光. 又沒有額外收入生活會很慘的
(身邊就有少年股神親戚, 風光一時. 可惜落魄一次就回不來了)
早點有高薪工作,說穿了是讓你有更多的機會學習投資.
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工程師
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