In several articles, phrases like "IT developers eat too much" have emerged, along with proposed solutions to the problem.
Therefore, interesting tasks that allow skill development in the comfortable environment of Russian organizations serve as excellent counteraction to the allure of high salaries in the USA and Europe.
Yes,
Dad, what are we having for dinner today?
Nothing, I’m working on an interesting project with a friendly team.
In this regard, the question arises, how much is "a lot"? That is, interesting tasks are great, but I would also like to clarify the ratio of expenses to income.
So, let's imagine a fresh young junior dev, say 23 years old, just back from serving the country, with a higher education.
What does he need to successfully work, live, and contribute to the preservation and growth of the junior dev population?
TLDR — as soon as questions about mortgages, children, and guaranteed pension arise, the salary level jumps to 300k rubles per month "net".
Otherwise, there is no guarantee of reproducing a highly qualified population.
The minimum.
The primary needs according to Maslow's hierarchy are well known — food, water, warmth, and rest.
All subsequent needs such as "self-actualization" emerge in the following stages.
Accordingly, these numbers for Moscow will be:
The Government of Moscow has decreed to set the subsistence minimum for the city of Moscow for the I quarter of 2019 per capita... for the working population — 19,351 rubles.
Let’s round this up to 20,000.
This amount should be supplemented by the cost of renting a one-bedroom apartment: prices vary by different districts of Moscow, but considering utility payments, you can find a one-bedroom apartment just beyond MKAD for about 35,000 rubles per month.
Of course, you can rent a cheaper apartment somewhere beyond MKAD and commute to the office for 1.5 — 2 hours each way. For very conscious employees, I've already seen job listings with "accommodation in a data center."
Transportation costs also need to be added. According to the Mosgortrans website, a "Unified" pass for 90 days costs 5,430 rubles, or 1,810 rubles per month.
Total: 20 + 35 + 1.8 = 56.8 thousand. Minimum.
In addition, it's necessary to set aside some money for a vacation in Turkey (it's cheaper than Crimea, unless, of course, the trip is funded by the employer), healthcare outside of the DMS, and other gifts and purchases.
Let's round the minimum up to 60,000 rubles, and instead of a vacation, we'll go to the dacha.
And above the minimum
Let's say our 'junior' wants to leave behind
A) A legacy in the form of children, with competitive education in the labor market.
B) And he himself wants to live on retirement, somehow.
To do this, he will need to
1) Save for the down payment on a mortgage
2) Pay this mortgage
3) Have income for at least two children and a temporarily non-working wife
4) Save for a personal pension fund
What are the timeframes for this? Well, it's all been said before, in Russia, a worker at 45 years old will already be considered 'old'; the real working age is from 23 to 45 years.
So, let's keep it simple: 3 years to save for the down payment, 10 years to pay off the mortgage, and 10 years to accumulate a personal pension.
In total, by 46, one can confidently look towards the future (with a competent approach to investment protection. What is the situation in Russia regarding the protection of investments in pension funds and what is the profitability of non-state pension funds?)
To evaluate the costs and sizes of the mortgage, let's take the Federal Law of 30.12.2012 N 283-FZ (as amended on 01.10.2019) 'On Social Guarantees for Employees of Certain Federal Executive Authorities and Amending Certain Legislative Acts of the Russian Federation'.
Article 7. The norm for the provision of living space
1. The norm for the provision of living space in ownership or under a social rent agreement is:
1) 33 square meters of total living space — for one person;
2) 42 square meters of total living space — for a family of two;
3) 18 square meters of total living space for each family member — for a family of three or more.
Therefore, for 4 people, 18*4 = 72 square meters is needed.
The cost of an apartment in Moscow amounts to, according to data from the first available website:
three-room apartments — 85.08 m² / 204.57 thousand rubles per square meter.
Let's round down to 200 thousand rubles, then the total cost will be:
200 (thousand) * 85 = 17,000,000. Seventeen million rubles.
20% of the cost for the down payment will be 3,400,000 without insurance.
According to the input, a down payment needs to be accumulated over three years and the mortgage should be closed in 10 years.
A 20% down payment will amount to 3,400,000. If necessary to save for the down payment over three years, the annual savings at zero inflation (or at a deposit in a bank at a slightly lower rate than actual inflation without considering the apartment price increase) will be 1,133,000, which is approximately 94,000 rubles per month.
After this, we need to calculate the mortgage payment. Opening the Sberbank calculator gives us:
Loan amount ₽13,600,000
Monthly payment ₽173,755
Required income ₽217,194
Interest rate 9.2%
It turns out that according to Sberbank, the difference between income and mortgage is 217,194 - 173,755 = 43,439 rubles.
Now let's calculate how much needs to be added to the salary for the unemployed wife and two children.
This includes: 19,351 for the wife and 14,647 for each child. Approximately, we need to add 50,000 rubles to the indicated mortgage calculation.
In total 217,194 + 50,000 = 267,000 rubles.
Children
Besides 'feeding', children also need to be 'educated'.
Let's look at the world ranking of universities — 2019.
THE:
MOSCOW, September 11 — RIA Novosti. Lomonosov Moscow State University ranked best among Russian universities in the Times Higher Education (THE) global ranking and entered the top 200, as reported by the press service of the Project 5-100.
MSU rose to the 189th position, which is ten positions higher than last year.
In second and third places among Russian universities are participants in the Project 5-100: MIPT (position 201-250) and HSE (position 251-300)
CWUR:
As a result of the work on the new World University Rankings 2019-2020, Lomonosov Moscow State University entered the top hundred best universities in the world for quality of education, ranking 95th among leading university centers on the planet.
It gives the impression that children will have to be prepared from a young age for admission to a foreign university, which means mandatory foreign language courses (if not two), tutors (in addition to the Unified State Exam), and preparation for the admission itself.
You can calculate the cost yourself.
I would like to point out that the overall calculation does not include healthcare (except for voluntary health insurance), insurance for everything at once, or the cost of self-education (no one will teach a junior, or even a non-junior, because what if they leave for better conditions).
Interesting tasks, you say?
To develop and multiply?
Well, yes.
There will be no conclusions — safety and stability follow in Maslow's hierarchy.
Source: habr.com
