Spending too much time online can easily lead to self-anxiety, because everywhere there are “millionaire” vibes—an anxious, depressed, “I’m poor” aesthetic.
To be honest, I believe their anxiety is real. But when it shows up among people who have little in savings, it turns into Versailles.
A million in savings isn’t “no big deal.” This is inevitably a case of survivorship bias. What does “a million in savings” mean? It’s about like the “ten-thousand-yuan households” of the 1980s. Back then, having ten thousand was rare and noteworthy—even though most of us didn’t live in that era, people still have a conclusion about it.
So what’s the savings ceiling for an average family? Definitely not “millions online, with millions on average, yet still poor.”
What more objective data can reflect this? A more authoritative metric would be the median household savings (2025): rank everyone by savings from low to high, and take the amount of the person/family in the middle—the level that represents “most people” better.
1) From authoritative data (People’s Bank of China + National Bureau of Statistics), total household deposits at the end of 2025:
167.04 trillion yuan
Total population at the end of 2025: 1.405 billion people
Average number of people per household in 2025: 2.51 people per household (confirmed earlier)
2) Calculation logic: per-capita savings = 167.04 trillion ÷ 1.405 billion ≈ 118,900 yuan
Household-per-capita savings (average family savings) = 118,900 yuan × 2.51 ≈ 298,000 yuan per household
Conclusion: In 2025, the average household savings nationwide was about 300,000 yuan. This number makes the “household with a million” world feel more real.
But rational spending and good earning—still, you can work hard and aim for a seven-figure savings goal. That’s a beautiful target: do everything you can to achieve it 💪.
A person’s unhappiness comes from desire being greater than ability. When what you want doesn’t materialize, set a reasonable goal, give yourself a direction to work toward—first get your per-capita savings right, then gradually complete your household-level savings, and finally surpass the average, then surpass other people’s averages.
For ordinary people, it’s also a way of showing capability—without dragging yourself behind.
To be honest, I believe their anxiety is real. But when it shows up among people who have little in savings, it turns into Versailles.
A million in savings isn’t “no big deal.” This is inevitably a case of survivorship bias. What does “a million in savings” mean? It’s about like the “ten-thousand-yuan households” of the 1980s. Back then, having ten thousand was rare and noteworthy—even though most of us didn’t live in that era, people still have a conclusion about it.
So what’s the savings ceiling for an average family? Definitely not “millions online, with millions on average, yet still poor.”
What more objective data can reflect this? A more authoritative metric would be the median household savings (2025): rank everyone by savings from low to high, and take the amount of the person/family in the middle—the level that represents “most people” better.
1) From authoritative data (People’s Bank of China + National Bureau of Statistics), total household deposits at the end of 2025:
167.04 trillion yuan
Total population at the end of 2025: 1.405 billion people
Average number of people per household in 2025: 2.51 people per household (confirmed earlier)
2) Calculation logic: per-capita savings = 167.04 trillion ÷ 1.405 billion ≈ 118,900 yuan
Household-per-capita savings (average family savings) = 118,900 yuan × 2.51 ≈ 298,000 yuan per household
Conclusion: In 2025, the average household savings nationwide was about 300,000 yuan. This number makes the “household with a million” world feel more real.
But rational spending and good earning—still, you can work hard and aim for a seven-figure savings goal. That’s a beautiful target: do everything you can to achieve it 💪.
A person’s unhappiness comes from desire being greater than ability. When what you want doesn’t materialize, set a reasonable goal, give yourself a direction to work toward—first get your per-capita savings right, then gradually complete your household-level savings, and finally surpass the average, then surpass other people’s averages.
For ordinary people, it’s also a way of showing capability—without dragging yourself behind.