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                            <li><i class="fa fa-clock-o fa-fw"></i>2025-03-20T20:00</li>
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                        <strong>How many people have a savings of one million</strong>
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How many people in China actually have a savings of 1 million yuan?

According to the somewhat inaccurate statistical data, among China's 1.4 billion population, about 0.3% have savings exceeding 500,000 yuan, which means roughly 4.2 million people. Those with savings over 1 million yuan only make up around 0.1%, or about 1.4 million people.

There was a report earlier that the average savings per person in China is 110,000 yuan. If you have already saved up 1 million yuan, that's almost nine times the average savings.

Yesterday during my live stream, a brother asked me what he should do with 1 million yuan saved through frugality. I said: Keep it safe, or take out a portion and start a business with someone experienced in the industry. Don't lose it all just because you didn't think it through.

Of course, in first-tier cities like Beijing, Shanghai, Guangzhou, and Shenzhen, 1 million yuan might not be considered very wealthy. But for the vast majority of ordinary people, saving 1 million yuan over a lifetime is extremely difficult.

First, we need to clarify a concept: having 1 million yuan in assets is not the same as having 1 million yuan in savings. Saving 1 million yuan today is extremely challenging. According to data from the National Bureau of Statistics, the average disposable annual income for urban residents is around 70,000 to 80,000 yuan. If you spend 50,000 yuan a year, you can save 20,000 to 30,000 yuan annually. To save up 1 million yuan, it would take about 33 to 50 years, which is almost a lifetime.

For the majority of salaried workers, many earn less than 100,000 yuan a year, and half of that might be spent on living expenses. So, conservatively speaking, even if you can save 50,000 yuan a year, without considering other expenses, it would still take about 20 years to save up 1 million yuan. Earning 100,000 yuan a year is already quite challenging for many people.

Of course, we can't just focus on making money; we also need to consider debt. Currently, about 600 million people have no savings in the bank. For these people, paying off debt is their primary goal, let alone saving, which is really a tough task.

Also, I want to share a perspective: money is made in a flash, not gradually. It's either there or it isn't. Most wealth is accumulated because of a specific opportunity, earning in one year what others might take a lifetime, or even several lifetimes, to earn.

If you agree, give a thumbs up.
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