What are the real savings of public servants? Averages and realities for those in their 20s and 30s
"How much do public servants actually save?"
"Is my amount too low?"
This is a highly searched topic.
To conclude...
✔ Some have more than you think
✔ But looking at the "median" shows it's surprisingly average
Let's go through it in order.
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Average savings of public servants (guideline)
There are few accurate statistics for public servants alone, but
looking at household data and data by age group,
Late 20s
Approx. 2 million to 3.5 million yen
Early 30s
Approx. 4 million to 7 million yen
*These are just guidelines (it varies greatly depending on whether you are single or married)
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But what you should pay attention to is the "median," not the "average"
The average is pulled up by a few high savers.
In reality,
✔ It is normal to have less than 1 million yen in savings in your 20s
✔ It is normal to have savings in the 3 million yen range in your 30s
In other words,
"I'm the only one with so little" is almost an illusion
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Why it is easy for public servants to save
Public servants have:
✔ Annual pay raises
✔ Bonuses of about 4.25 months
✔ Stable income
So, if you "plan," you will save.
Conversely,
if you don't plan, you won't save normally.
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Common patterns
People who save
・Modest with cars
・Don't spend bonuses
・Invest
People who don't save
・Full loan for a new car
・Barely making mortgage payments
・Spend the entire bonus
Because public servants are stable, it's easy to let your guard down.
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Is it okay to have zero savings?
To be honest...
Even if you have zero now, you are still in time.
The strength of public servants is
that future income is "almost predictable"
So you can work backward.
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How to get above average
① 1 million yen for emergency funds
② Save 30,000 to 50,000 yen every month
③ Invest half of your bonus
Just doing this will make a difference in a few years.
For details👇
▶ Can even public servants build 10 million yen in assets?
https://note.com/rich_magpie6166/n/n7e77f426d442
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Summary
Savings of public servants are
✔ More average than you think
✔ Prone to polarization
✔ Can reach the top depending on strategy
What's important is
not comparing yourself to others, but building up your own savings.