{"topic":{"id":9470,"title":"净收入 50~100 万中产家庭","slug":"topic","categoryId":4,"createdAt":"2024-02-07 12:53:11.427483","bumpedAt":"2024-02-09 09:38:30.668849","views":287,"postsCount":13,"highestPostNumber":13,"likeCount":3,"closed":false,"pinned":false,"pinnedGlobally":false,"pinnedAt":null,"pinnedUntil":null,"isBanner":false,"excerpt":"转发 https://mp.weixin.qq.com/s/G9AGruZnEBbOSCjTQbZFxA A：净收入 50~100 万中产家庭 A 家庭背景介绍：爸爸银行高管年薪 120 万，妈妈全职，家里上海 2 套房，2 辆车，家庭可动用现金大概 N 百万存款。育有一女，在徐 X 区二线公办读 4 年级，成绩大概班级前三年级前 20，对口二线公办初中，想冲一冲三公或者想法进徐汇一线民办。之前每年补课 + 兴趣课 + 考级等教育投资…","deletedAt":null,"isAnonymous":false,"category":{"id":4,"name":"谈笑风生","slug":"general","color":"25AAE2"},"author":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif"},"tags":[]},"posts":[{"id":23453,"postNumber":1,"raw":"转发\r\n> > https://mp.weixin.qq.com/s/G9AGruZnEBbOSCjTQbZFxA\r\n> A：净收入 50~100 万中产家庭\r\n> \r\n> A 家庭背景介绍：爸爸银行高管年薪 120 万，妈妈全职，家里上海 2 套房，2 辆车，家庭可动用现金大概 N 百万存款。育有一女，在徐 X 区二线公办读 4 年级，成绩大概班级前三年级前 20，对口二线公办初中，想冲一冲三公或者想法进徐汇一线民办。\r\n> \r\n> 之前每年补课 + 兴趣课 + 考级等教育投资在年 15 万左右，家庭整体开销包括旅游医疗照顾老人孩子教育等共计 60~80 万左右。\r\n> \r\n> 现状介绍：N 百万存款 60% 投资股市，2023 年开始整体亏损接近百万，深亏无法解套，近期持续看跌。爸爸银行高管因为经济不景气年薪 2024 年开始打 7 折，可支配收入锐减，爸爸希望缩减家庭一切开支。\r\n> \r\n> 矛盾冲突：娃爸担心随时失业，45 岁左右上百万年薪机会难寻，并且因为大部分资产深套股市资产短期内没有回本希望，希望娃妈减少所有家庭不必要开支包括压缩小朋友教育费用，认为娃目前在班级还不错未来直接上公办初中也是比较保险的出路。\r\n> \r\n> 但是娃妈认为小朋友已经教育投资到 4 年级并且有一定希望可以冲刺三公未来踏上 985，坚持继续重点学科 VIP 培训，而这次娃期末考试数学成绩下降至班级 15 名左右彻底激发家庭矛盾，双方为娃继续教育问题连续争执。妈妈生陷情绪焦虑感觉因为爸爸的不作为会耽误娃的前程。\r\n>","cooked":"

\n
\n
大盘惨，还是我们惨？
\nA：净收入 50~100 万中产家庭
\n
\n
A 家庭背景介绍：爸爸银行高管年薪 120 万，妈妈全职，家里上海 2 套房，2 辆车，家庭可动用现金大概 N 百万存款。育有一女，在徐 X 区二线公办读 4 年级，成绩大概班级前三年级前 20，对口二线公办初中，想冲一冲三公或者想法进徐汇一线民办。
\n
之前每年补课 + 兴趣课 + 考级等教育投资在年 15 万左右，家庭整体开销包括旅游医疗照顾老人孩子教育等共计 60~80 万左右。
\n
现状介绍：N 百万存款 60% 投资股市，2023 年开始整体亏损接近百万，深亏无法解套，近期持续看跌。爸爸银行高管因为经济不景气年薪 2024 年开始打 7 折，可支配收入锐减，爸爸希望缩减家庭一切开支。
\n
矛盾冲突：娃爸担心随时失业，45 岁左右上百万年薪机会难寻，并且因为大部分资产深套股市资产短期内没有回本希望，希望娃妈减少所有家庭不必要开支包括压缩小朋友教育费用，认为娃目前在班级还不错未来直接上公办初中也是比较保险的出路。
\n
但是娃妈认为小朋友已经教育投资到 4 年级并且有一定希望可以冲刺三公未来踏上 985，坚持继续重点学科 VIP 培训，而这次娃期末考试数学成绩下降至班级 15 名左右彻底激发家庭矛盾，双方为娃继续教育问题连续争执。妈妈生陷情绪焦虑感觉因为爸爸的不作为会耽误娃的前程。
\n

\n","createdAt":"2024-02-07 12:53:11.518258","updatedAt":"2024-02-07 12:53:11.518258","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":501,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23454,"postNumber":2,"raw":"B：年收入>300 万的小富家庭\r\n\r\nB 家庭背景介绍：夫妻做外贸出口生意，年收入稳定期 500 万左右，家里 3 套房家庭资产 5000 万以上，房贷差不多 1000 万左右。\r\n\r\n二娃配置，姐姐民办一线初二 + 弟弟公办二线小学五年级，姐姐成绩一线民办排名前 20 左右打算冲击四大未来大学考虑国外，之前 XX 一线培训机构主要学科门门一对一，每个月培训费用 3 万左右，弟弟成绩一般补也补不进。\r\n\r\n父母打算初中送往国际学校就读，国际学校纯学费大概在 15~20 万/年，姐弟都有游泳、高尔夫、舞蹈等兴趣培训。整体教育费用姐弟两差不多在 60~80 万/年，家庭开支 + 人情应酬 + 房产贷款 + 父母养老差不多在 300 万/年，代表比较富裕的阶层的平均开支。\r\n\r\n现状介绍：各种经济背景不多说，出口生意不好做国内现在做生意又难又卷，家庭收入大概目前在 300 万~500 万不等，但是因为账期难收导致占用大量现金流，一套房已经抵押作为生意流动资金，家庭可支配资金有限。\r\n\r\n矛盾冲突：爸爸最主要担心未来出国留学断供，毕竟如果两娃都留学，一线国家的话差不多每个娃教育生活费来回路费一年 50~100 万是保底的，对于爸爸来说压力巨大，但是妈妈觉得特别弟弟成绩一般之前也不鸡在国内没有好的出路。\r\n\r\n如果不考虑出国那么未来更加没有希望。因为姐弟规划双方矛盾问题也很突出。爸爸也因为生意压力大脾气急躁，妈妈长期辛苦带娃加上对未来无法规划以及对家庭未来生活的担忧，无比焦虑甚至已经有轻微抑郁倾向。\r\n\r\n这种情况下，五年级调整路线比如转回国内公办是否还有希望？一直不卷的弟弟现在想冲击公办是否学业还跟的上？妈妈的持续的心理焦虑谁来照顾？爸爸的心理压力又有谁来关心呢？","cooked":"

B：年收入>300 万的小富家庭

B 家庭背景介绍：夫妻做外贸出口生意，年收入稳定期 500 万左右，家里 3 套房家庭资产 5000 万以上，房贷差不多 1000 万左右。

二娃配置，姐姐民办一线初二 + 弟弟公办二线小学五年级，姐姐成绩一线民办排名前 20 左右打算冲击四大未来大学考虑国外，之前 XX 一线培训机构主要学科门门一对一，每个月培训费用 3 万左右，弟弟成绩一般补也补不进。

父母打算初中送往国际学校就读，国际学校纯学费大概在 15~20 万/年，姐弟都有游泳、高尔夫、舞蹈等兴趣培训。整体教育费用姐弟两差不多在 60~80 万/年，家庭开支 + 人情应酬 + 房产贷款 + 父母养老差不多在 300 万/年，代表比较富裕的阶层的平均开支。

现状介绍：各种经济背景不多说，出口生意不好做国内现在做生意又难又卷，家庭收入大概目前在 300 万~500 万不等，但是因为账期难收导致占用大量现金流，一套房已经抵押作为生意流动资金，家庭可支配资金有限。

矛盾冲突：爸爸最主要担心未来出国留学断供，毕竟如果两娃都留学，一线国家的话差不多每个娃教育生活费来回路费一年 50~100 万是保底的，对于爸爸来说压力巨大，但是妈妈觉得特别弟弟成绩一般之前也不鸡在国内没有好的出路。

如果不考虑出国那么未来更加没有希望。因为姐弟规划双方矛盾问题也很突出。爸爸也因为生意压力大脾气急躁，妈妈长期辛苦带娃加上对未来无法规划以及对家庭未来生活的担忧，无比焦虑甚至已经有轻微抑郁倾向。

这种情况下，五年级调整路线比如转回国内公办是否还有希望？一直不卷的弟弟现在想冲击公办是否学业还跟的上？妈妈的持续的心理焦虑谁来照顾？爸爸的心理压力又有谁来关心呢？

\n","createdAt":"2024-02-07 12:53:43.345524","updatedAt":"2024-02-07 12:53:43.345524","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":644,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old"}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23459,"postNumber":3,"raw":"这么高的收入还焦虑，我这种穷蛆家庭从来不焦虑，没钱炒股，所以股市跌不跌也就与我无关了；没钱出国，所以国外怎么样也与我无关了\n\n上海这地方还是不宜呆，房价低点的三线小城市最好","cooked":"

这么高的收入还焦虑，我这种穷蛆家庭从来不焦虑，没钱炒股，所以股市跌不跌也就与我无关了；没钱出国，所以国外怎么样也与我无关了

上海这地方还是不宜呆，房价低点的三线小城市最好

\n","createdAt":"2024-02-07 14:36:04.538229","updatedAt":"2024-03-17 13:08:01.968462","replyToPostNumber":null,"replyCount":0,"likeCount":1,"wordCount":84,"liked":false,"bookmarked":false,"polls":[],"reactions":[{"reaction":"❤️","count":1,"users":[{"id":346,"username":"hoist","name":null}],"hasReacted":false}],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23461,"postNumber":4,"raw":"上海人表示故事很有趣也很真实","cooked":"

上海人表示故事很有趣也很真实

\n","createdAt":"2024-02-07 15:28:59.223465","updatedAt":"2024-02-07 15:28:59.223465","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":14,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":3074,"username":"Trifolium","name":"白车草","avatarUrl":"/uploads/image/e9/21/e92121eac2b612e7ee2ed14db996c0fe51665ec0669ec0acc41dd23c17ae11cc.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23467,"postNumber":5,"raw":"所以还是租金年入 7kw 实在 :beaming_face:","cooked":"

所以还是租金年入 7kw 实在 😁

\n","createdAt":"2024-02-08 00:48:58.388585","updatedAt":"2024-02-08 00:48:58.388585","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":12,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":346,"username":"hoist","name":null,"avatarUrl":"/uploads/image/0d/cd/0dcdf69d213b6798002779ad4b729567cd4d889ee4a56c07a8c4454e8b563219.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23474,"postNumber":6,"raw":"上海是这样的。长三角教育卷投入感觉是无底洞\n想转生成为广深房东，闲着没事就去划划龙舟喝喝茶（纯刻板印象，欢迎指正）","cooked":"

上海是这样的。长三角教育卷投入感觉是无底洞
\n想转生成为广深房东，闲着没事就去划划龙舟喝喝茶（纯刻板印象，欢迎指正）

\n","createdAt":"2024-02-08 04:26:45.880341","updatedAt":"2024-02-08 04:28:57.848227","replyToPostNumber":null,"replyCount":2,"likeCount":0,"wordCount":56,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":151,"username":"Rin","name":"Tomotake Rin","avatarUrl":"/uploads/image/dd/40/dd40df04070180d25dc835b8f1ad472ded596141699d602ec04ff13e27375bd9.avif","admin":false,"moderator":false,"signatureRaw":"无所谓，热带风味 :woman_gesturing_no:","signatureCooked":"

无所谓，热带风味 🙅‍♀️

\n"}},{"id":23476,"postNumber":7,"raw":"深圳房东是开着别摸我，手上打着王者荣耀去收整栋楼房租","cooked":"

深圳房东是开着别摸我，手上打着王者荣耀去收整栋楼房租

\n","createdAt":"2024-02-08 04:33:26.529996","updatedAt":"2024-03-17 13:08:02.057275","replyToPostNumber":6,"replyCount":0,"likeCount":0,"wordCount":26,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23482,"postNumber":8,"raw":"admin 有多少","cooked":"

admin 有多少

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无房无车无业无家室

\n","createdAt":"2024-02-08 07:08:31.73661","updatedAt":"2024-03-17 13:08:02.157035","replyToPostNumber":8,"replyCount":0,"likeCount":0,"wordCount":9,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23487,"postNumber":10,"raw":"然后就建了这个门","cooked":"

然后就建了这个门

\n","createdAt":"2024-02-08 08:34:11.009545","updatedAt":"2024-02-08 08:34:11.009545","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":8,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23539,"postNumber":11,"raw":"中国人那么有钱了，人均收入百万，都能进你较","cooked":"

中国人那么有钱了，人均收入百万，都能进你较

\n","createdAt":"2024-02-09 05:07:36.458788","updatedAt":"2024-02-09 05:07:36.458788","replyToPostNumber":null,"replyCount":0,"likeCount":0,"wordCount":21,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1047,"username":"anonymous_coward_old","name":"Anonymous Coward Old","avatarUrl":"/uploads/image/43/32/4332638c11248b8ff07033c11de0759a55205facfbec85e14458245a91991faf.avif","admin":false,"moderator":false,"signatureRaw":null,"signatureCooked":null}},{"id":23542,"postNumber":12,"raw":"我是广东人，广州上学，你的刻板印象大概是正确的……","cooked":"

我是广东人，广州上学，你的刻板印象大概是正确的……

\n","createdAt":"2024-02-09 05:39:37.219673","updatedAt":"2024-02-09 05:39:37.219673","replyToPostNumber":6,"replyCount":0,"likeCount":0,"wordCount":24,"liked":false,"bookmarked":false,"polls":[],"reactions":[],"wiki":false,"version":1,"publicVersion":1,"deletedAt":null,"isAnonymous":false,"user":{"id":1628,"username":"Lorange","name":"主治医师李大华","avatarUrl":"/uploads/image/f8/ec/f8ecbeb887c4a1311f4f0bf05928476c7b3f632d15bb2b24e782baf2ba6f0d71.avif","admin":false,"moderator":true,"signatureRaw":null,"signatureCooked":null}},{"id":23565,"postNumber":13,"raw":":exhale:，该图图了 :goblin:","cooked":"

😮‍💨，该图图了 👺

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