Open the social platform, and the topic of "How much can you save money" will never diminish. Some people have posted a list of millions of deposits, claiming that "you can retire early if you hold 2 million yuan"; some people have calculated the exact formula: "At the annualized rate of return of 4%, a principal of 5 million can cover lifelong expenditure." Behind the seemingly rational digital discussion, there is the deepest survival anxiety of this young people - when the pressure of mortgage, medical care and parenting comes like a tide, our desire to "lie down" is no longer a simple financial freedom, but a silent confrontation with uncertainty
1. "Lying flat imagination" trapped by numbers
The "Ling flat deposit standard" circulating on the Internet is often based on ideal assumptions. Some people use the basic expenses of 5,000 yuan in first-tier cities to calculate the 2 million deposits to live a stable life; but they ignore the high medical expenses of sudden illness, the hidden costs of parents' pension, and the shrinking purchasing power caused by soaring prices. These cold numerical formulas are like an invisible ruler, causing young people to fall into self-doubt: "If the deposit is not over one million, are you not even qualified to lie down?"
The more cruel reality is that the cost of living in different cities varies greatly. In small towns with third- and fourth-tier cities, a deposit of 300,000 yuan may support a few years of slow life; but in first-tier cities, the treatment cost of a serious illness can instantly break through the carefully calculated "sluggish budget". This uncertainty has caused young people to repeatedly pull between "save money" and "consumption", and their anxiety is increasing day by day.
2. The dilemma behind the times
The persistence of this young people to "deposit" is essentially a sense of out-of-control for the future. The 996 work system compresses the living space, and the crisis in the workplace is hanging over the top of the head. Coupled with the "new three mountains" of education, medical care and housing, the belief that "you can get rewards by working hard" gradually collapses. When deposits become the only barrier to risk, people will naturally pin their sense of security on digital growth.
3. Survival wisdom to break out of the digital trap
The true "freedom of lying down" may not lie in the deposit numbers themselves, but in the reconstruction of the sense of control over life. Some people choose to leave high-pressure cities, open a small shop in a small city, and exchange their low cost of living for freedom of time; some people convert their deposits into stable passive income by learning financial management knowledge; some people let go of their obsession with "must save enough XX million", choose to reduce material desires, and enjoy the present within their ability.
The key to fighting anxiety is to break the black and white thinking - "lying flat" is not to give up completely, but to find a rhythm of life that suits you. Instead of being swept up by digital standards on the Internet, it is better to calm down, sort out your real life needs, and build your own "sense of security account". After all, life is not a competition with numbers, but a journey of reconciliation with oneself.
When we no longer focus on "how much can we save to lie down", but learn to find certain happiness in uncertainty, perhaps the most powerful counterattack against anxiety. After all, true freedom is never in a specific deposit number, but in the confidence to choose life.
