三孩了，算算需要多少钱

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01

勇哥对雪丽说，你看看你，一个漂亮女孩干嘛跟我们这些大老粗一样拼命呢，找一份清闲一点的行业，舒舒服服漂漂亮亮过一辈子不好么？

02

哪个女孩不想有人说养她一辈子呢，雪丽也想，但是雪丽更想要的是自己来体验世界的精彩！正当雪丽心里还在思量如何响应勇哥的建议，话还没出口，就听到老董的声音了。

这个老董，迫不及待地给雪丽出了个主意。说连清闲的工作都不要找了，干脆在家生孩子算了。听说现在生三胎奖励十万。如果按三年抱俩的速度，在家就能挣十万，还上什么班呢？

03

成哥顺势就建议老董再生一个，反正老婆现在专职在家带小孩。老董一听连连摇头，不生不生。奖金就不指望了，如果国家有政策把个人所得税按家庭征收而不是按个人来就好了。你们看看我看似工资还不错，但是家里就我一个劳动力，老婆也不能上班，实际上一个家庭就一个人上班。哪像雪丽，孩子也生了，夫妻俩都上班，按个人还是按家庭交税都没有多大影响。

04

说起养孩子，大家一下子共同话题就打开了。小秦说自己的父辈，兄弟姐妹就有八个。那个时候基本上是新中国刚刚成立的时候，大家生活并不富裕，家里的劳动力基本都要下地劳动。奶奶一辈子生了八个小孩，十几年的时间就是这样，一边下地干活、一边生小孩、一边养小孩。那个时候根本没有什么孕前检查，也不用吃孕期奶粉；生孩子也是接生婆上门服务；孩子下地，外婆送的喜三衣服，一般都会偏大很多，以免孩子长的太快了，衣服不够穿；婴儿也不用喝奶粉，哭闹了就抱到田间地头找地里干活的母亲吸几口奶就算完事了……孩子多了，衣服鞋子基本不用新制，都是大的穿了给小的穿。就连上学用的书包都是这样，弟弟妹妹们用的书包、文具盒等等，十有八九都是哥哥姐姐们用过的。一家生八九个小孩，不辛苦肯定是说不过去的。但是普遍家里都有很多小孩，而且在那个吃不饱的年代基本上都好好生存下来了，确实有些奇怪。

05

①孕检每月一次，生产必上大医院，从怀孕开始到生产各个时间段都有对应的营养品配套，5万；

②3岁前的婴幼儿期，主要是奶粉、早教和家政费用；

③3-6岁的幼儿园，学习费、服装费、生活费、旅游费、特长班、医疗保健，10万；

④6-12岁小学期，培优辅导、特长班、旅游费、生日及各种节日费用，20万；

⑤中学期，学校费用、生活开支、兴趣班、考证、服装、旅游、交通等，77万；

⑥大学期，学校费用、生活开支、兴趣爱好、旅游开支、社交开支、服装、健身等等，32万。

⑦小小计算了一下，现在养一个小孩到大学毕业，起码要准备小二百万。

不算不知道，一算吓一跳。看看自己的工资单，再看看上面的这个费用单。难怪现在政策开放二胎又开放三胎，生育率还是不见上涨。这根本的原因不在于政策没有放开，真正让人不敢生娃的是养不起。

质量就在我们身边，三胎开放了，不同的人有不一样的解读方式。如果单从养娃的成本来看，确实是一笔不小的投资；但是，如果换一个角度来看，所有聪明的人用心创造出繁华的都市和高楼大厦，百年之后谁会来住呢？说不定就是当初拿着月薪三千还坚持生了三胎的人。

What girl doesn't want to be raised for life? Sherry also wants to, but what Sherry wants more is to experience the wonderful world by herself! As Shirley heart was still thinking about how to respond to the advice of Young, she heard the voice of Mr. Dong.

He couldn't wait to give Sherry an idea. "Don't take a cusy job, just have a baby at home. I heard that those who now gives birth to three children will be rewarded 100, 000. If you have the rate of two in three years, you can make 100, 000 at home. W\ Then why are you at work? "

Chen immediately suggested Dong have another baby, since his wife is now a stay-at-home mom. Dong shook his head. "I don't expect the bonus, " he said. "It would be great if the government had a policy to levy personal income tax on families instead of individuals. I seem to be a good salary, but my family has only one labor force, for my wife can not go to work. Unlike Sherry, she has a baby and both husband and wife are working. It doesn't make much difference whether you're taxed as an individual or as a family for her. "

When it comes to raising children, the conversation begins. Mr. Qin said his father had eight brothers and sisters. At that time, when the People's Republic of China was just founded, people were not rich, and most of the labors in the family had to work in the fields. Grandma bore eight children in her lifetime. For more than ten years, my grandmother has been working in the fields, giving birth and raising children. At that time, there was no pre-pregnancy examination and no need to eat pregnancy milk powder. The birth of a child relied on the door-to-door service of the midwife; When the child was boen, the clothes sent by the grandmother will generally be much larger, so as to avoid the child growing too fast and not enough clothes to wear; Babies do not have to drink milk powder. If they cry, they would be held to the field to find a mother working in the field to suck a few milk. . . With so many kids, the basic clothes and shoes did not need to be new, and the younger brothers and sisters wore their older brothers and sisters'. Even school bags were like this. Younger brothers and sisters' bags, pencil boxes, and so on, nine out of ten were from their older brothers and sisters. One family gave birth to eight or nine children, then there must be difficulties, but the fact that there were so many children at home, and that they mostly survived in an age when there was not enough to eat, was a little odd.

And look at the way children are raised today:

Pregnant examination once a month. Give birth in big hospital. From the beginning of pregnancy to the birth of each period of the corresponding nutritional supplement, 50, 000;

The infant period before the age of 3 is mainly milk powder, early education and housekeeping expenses;

3 to 6 years old kindergarten, learning expenses, clothing expenses, living expenses, travel expenses, special classes, medical care, 100, 000;

6 to 12 years old primary school, training excellent tutoring, special classes, travel expenses, birthday and various festival expenses, 200, 000 yuan;

In the middle semester, school expenses, living expenses, interest classes, certificates, clothing, travel, transportation, etc. , 770, 000 yuan; In college, school expenses, living expenses, hobbies, travel expenses, social expenses, clothing, fitness, etc. 320, 000.

With a little calculation, now raising a child to graduate from college, at least need to prepare about 2 million.

Take a look at your pay stub, and then look at this expense sheet on the top. No wonder the policy now opens the second child and opens the third child, but the fertility rate still does not rise. The fundamental reason is not for that the policy has not been relaxed. What really makes people afraid to have children is that they cannot afford to raise them.

Quality is all around us. That three foetus opened was interpreted in different ways by different people. If we only analyze from the cost of raising a baby, it is indeed a small investment; But if we look at it from another Angle, who will live in the bustling cities and high-rises created by all the smart people in a hundred years? Maybe it is the people who took 3, 000 yuan a month and still insisted on having three children.

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