<section style="text-align: center"><a target="_blank" href="http://mp.weixin.qq.com/s?__biz=MjM5MjY4MjU0MQ==&mid=2447790313&idx=2&sn=55e0cf403a3327c58f7dfcc77ea888c8&chksm=b2b077ab85c7febda44a18349455223c46e61a6d8082f6f51e7dcbb9a81e93eba23d8e4d1845&scene=21#wechat_redirect" textvalue="你已选中了添加链接的内容" tab="innerlink"><span ><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FO95eeDepqTMWMmKykgsVSO8YOeXySZTiambeoVXKGx0MhocR3dx421sL9gKRoib7T5ObxvR2dlC9rkcxDE8SlE3w%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/O95eeDepqTMWMmKykgsVSO8YOeXySZTiambeoVXKGx0MhocR3dx421sL9gKRoib7T5ObxvR2dlC9rkcxDE8SlE3w/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></span></a></section><section style="text-align: center"><span style="color: rgb(136, 136, 136)">点上方图片看看【封面图的故事】</span><span style="text-align: justify"></span></section><section ><br /></section><section ><span >学海无涯，一期一会。</span></section><section ><span ><br /></span></section><section ><span >今天再来聊聊存钱这事儿。</span></section><section ><span ><br /></span></section><section><mpvideosnap></mpvideosnap></section><section ><span ></span></section><section style="color: rgb(34, 34, 34); text-align: center"><span style="color: rgb(136, 136, 136)">不方便看视频的朋友可以看文字版</span><span style="color: rgb(136, 136, 136)">👇</span><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><br /></section><section style="color: rgb(34, 34, 34); text-align: center"><span >--文字版--</span></section><section style="color: rgb(34, 34, 34); text-align: left"><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">你是不是</span><span style="color: rgb(51, 51, 51); text-align: justify">经</span><span style="color: rgb(51, 51, 51); text-align: justify">常听到：</span><span style="color: rgb(51, 51, 51); text-align: justify">“</span><span style="color: rgb(51, 51, 51); text-align: justify">钱不是省出来的，是赚出来的</span><span style="color: rgb(51, 51, 51); text-align: justify">”</span><span style="color: rgb(51, 51, 51); text-align: justify">，</span><span style="color: rgb(51, 51, 51); text-align: justify">“</span><span style="color: rgb(51, 51, 51); text-align: justify">女生就</span><span style="color: rgb(51, 51, 51); text-align: justify">该对</span><span style="color: rgb(51, 51, 51); text-align: justify">自己好一点</span><span style="color: rgb(51, 51, 51); text-align: justify">”</span><span style="color: rgb(51, 51, 51); text-align: justify">等消</span><span style="color: rgb(51, 51, 51); text-align: justify">费</span><span style="color: rgb(51, 51, 51); text-align: justify">主</span><span style="color: rgb(51, 51, 51); text-align: justify">义</span><span style="color: rgb(51, 51, 51); text-align: justify">的毒</span><span style="color: rgb(51, 51, 51); text-align: justify">鸡汤。</span><span style="color: rgb(51, 51, 51); text-align: justify"></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">停下来，</span><strong><span style="color: rgb(51, 51, 51); text-align: justify">别</span><span style="color: rgb(51, 51, 51); text-align: justify">再被</span><span style="color: rgb(51, 51, 51); text-align: justify">这</span><span style="color: rgb(51, 51, 51); text-align: justify">些消</span><span style="color: rgb(51, 51, 51); text-align: justify">费</span><span style="color: rgb(51, 51, 51); text-align: justify">主</span><span style="color: rgb(51, 51, 51); text-align: justify">义</span><span style="color: rgb(51, 51, 51); text-align: justify">洗</span><span style="color: rgb(51, 51, 51); text-align: justify">脑</span><span style="color: rgb(51, 51, 51); text-align: justify">了</span></strong><span style="color: rgb(51, 51, 51); text-align: justify">~</span><br /></section><section style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></section><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">有数据显示，90后人均负债13万，有存款就已经跑赢了大多数的人。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">奶茶是很香，口红也的确好看，那个新款的包包就刚好配你今天的穿搭。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">但是醒醒，要知道你现在存的每一分钱，都会给你的未来多一份选择！</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">所以该花花该省省，因为你永远不知道失业、生病，甚至是意外什么时候来到你身边。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">盲目的消费只会给你带来短暂的快乐和无限的还钱。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">存钱，才是最大的人间清醒~</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">女生的底气并不是男朋友和老公，而是银行卡上的余额，这才是你生活的底气。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">因此，千万不要觉得钱不多就不存，只要我们的欲望比收入少一点，不管多少每个月每年都存一点，慢慢的你就会发现生活真的变得越来越好。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">建议大家至少把工资的<strong>30%</strong>留下来强制储蓄，</span><span style="color: rgb(51, 51, 51); text-align: justify">这部分钱无论如何先不要花掉。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"></span><span style="color: rgb(51, 51, 51); text-align: justify">除了银行定期存款和余额宝之外，保姑</span><span style="color: rgb(51, 51, 51); text-align: justify">给大家推荐一个更好的强制储蓄的工具，用<strong>增额终身寿</strong>存钱。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">说实话，现在银行定期存款的利息都太低了，余额宝只有1.5左右的年化收益我就更看不上了。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">相比之下，增额寿有确定的3.5%复利的高收益，更香了~</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"> <br />如果把钱存在增额寿里面，会怎么样呢？</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我选一款顶</span><span style="color: rgb(51, 51, 51); text-align: justify">级收益的增额寿举个例子：</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMWMmKykgsVSO8YOeXySZTiahLBgn6HjPn5u7ibOUasassM6lRzeEicNvaEnxT3EBZpxQt9o51Rsr5rw%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMWMmKykgsVSO8YOeXySZTiahLBgn6HjPn5u7ibOUasassM6lRzeEicNvaEnxT3EBZpxQt9o51Rsr5rw/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">以30岁女性，每年存5万，交10年为例，到40岁存完10年期，<strong>存下本金50万</strong>。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">再过5年，45岁时，50万本金就变成<strong>71.9万</strong>了，是本金的1.44倍；</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">60岁时，50万变成<strong>120.4万</strong>，是本金的2.41倍。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这整个过程中都是可以灵活减保取钱用的，如果不减保的话，85岁时<strong>50万变成284.5万</strong>，是本金的5.69倍。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">如果</span><span style="color: rgb(51, 51, 51); text-align: justify">我们中途需要用钱的时候减保了一部分的话：</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_png%2FO95eeDepqTMWMmKykgsVSO8YOeXySZTia2mjj39SeNiawQ5wDfIgGsk5Iam9hZbbjnhkWEz7VtDdKdRLmkDahyfQ%2F640%3Fwx_fmt%3Dpng" data-origin="https://mmbiz.qpic.cn/mmbiz_png/O95eeDepqTMWMmKykgsVSO8YOeXySZTia2mjj39SeNiawQ5wDfIgGsk5Iam9hZbbjnhkWEz7VtDdKdRLmkDahyfQ/640?wx_fmt=png" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">假设，45岁的时候，这时候孩子应该刚上大学，可以选择从这个账户里取出孩子的教育金，每年取出4万，共取出16万；</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">60岁时，这时候你退休了，正式开启养老生活，</span><span style="color: rgb(51, 51, 51); text-align: justify">可以从这个账户里每年取出5万块钱进行养老，</span><span style="color: rgb(51, 51, 51); text-align: justify">一直取到88岁，</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">共取出145万，账户还剩余4万多，还能够继续复利增值，在身后还能把这份保单传给下一代。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这就实现了，在时间的复利作用下，做到傻瓜躺平式收入。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">这样看下来存钱是不是没有这么难了，这还只是你其中的一部分资产，这样一想是不是更有动力了呢！</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /><strong>存钱确实是一件需要长期坚持的事情~</strong></span></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></strong></p><p style="color: rgb(34, 34, 34); text-align: left"><strong><span style="color: rgb(51, 51, 51); text-align: justify">会存钱想存钱的人都是人间清醒的长期主义者。</span></strong><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><br /></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">及时享受固然快乐，但长期满足才更美好不是吗？</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify">我是保姑，我和我的团队一直在专注研究安全高收益的理财和养老产品，需要的话可以来找我，保姑应该能给你一些建议。</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span ><strong ><span ><span >【<span >理财+养老+保险</span>】</span> 1对1咨询绿色通道</span></strong></span></p><p style="color: rgb(34, 34, 34); text-align: center"><span >直接识别下方二维码</span></p><p style="color: rgb(34, 34, 34); text-align: center"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_jpg%2FAa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A%2F640%3Fwx_fmt%3Djpeg" data-origin="https://mmbiz.qpic.cn/mmbiz_jpg/Aa1Vn4VNXun3PB3sBCsPbXSqOflbzkJPTr4GlZqmmP611AJicrwvyXeRc5ApZLibWUMoB6QmbrcYm6HtrQzbfia6A/640?wx_fmt=jpeg" alt="懂保爷测评配图" loading="lazy" /></p><p style="color: rgb(34, 34, 34); text-align: center"><span >添加保姑团队专业咨询老师</span></p><p style="color: rgb(34, 34, 34); text-align: left"><span style="color: rgb(51, 51, 51); text-align: justify"><br /></span></p><p ><span ></span></p><section ><br /></section><section style="text-align: center"><span ><span >— </span><strong >END </strong><span >—</span></span></section><section ></mp-common-profile></section><section style="text-align: left"><img src="/api/reviews/image?src=https%3A%2F%2Fmmbiz.qpic.cn%2Fmmbiz_gif%2FAa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA%2F640%3Fwx_fmt%3Dgif" data-origin="https://mmbiz.qpic.cn/mmbiz_gif/Aa1Vn4VNXulDSG3kLWEFl66JYfFHuibDsZwPP3g5romOwOBrEvLdFjc8VUrEoXpQflzzTumnt8dW6vKFReAyKnA/640?wx_fmt=gif" alt="懂保爷测评配图" loading="lazy" /><span > <span style="color: rgb(136, 136, 136)">点击阅读原文，</span></span><span style="color: rgb(136, 136, 136)">查看</span><span style="color: rgb(33, 89, 103)">懂保爷严选【理财、养老、保障】产品汇总</span></section><section style="text-align: left"><section ><br /></section><section style="text-align: right"><section ><p style="text-align: center; color: rgb(63, 62, 63)"><span >如有帮助，帮忙点个<span style="color: rgb(33, 89, 103)"><strong >在看</strong></span></span><span style="color: rgb(0, 0, 0)">吧</span><span >，谢谢！</span></p></section></section></section><p ></mp-style-type></p>
