Already in several articles, phrases like “IT developers eat too much” flashed through, and solutions to the problem of the form:
So interesting tasks that allow developing skills in the comfortable environment of Russian organizations are an excellent counter to the attractiveness of high salaries in the USA and Europe.
Well yes,
Dad, what are we going to eat today?
Nothing, I'm working on an interesting project in a friendly team.
In this regard, the question arose, “a lot” is how much? That is, interesting tasks are great, but I would also like to clarify the ratio of expenses - income.
So, let's imagine a fresh young Zhdun Jun, well, let him be 23 years old, who has just paid his debt to his homeland, with a higher education.
What is needed for him to work successfully, live and work, to preserve and increase the June population?
TLDR - as soon as the issue of mortgages, children and guaranteed pensions, the level of wages jumps up to 300 thousand rubles a month "on hand".
Otherwise, there is no guarantee of the reproduction of a highly skilled population.
Minimum.
According to Maslow's pyramid, the primary needs are known - food, water, warmth and rest.
All of the following "self-actualization" type needs are manifested in the following stages.
Accordingly, for Moscow, these figures will be:
The Moscow government decides to set the subsistence minimum in the city of Moscow for the first quarter of 2019 per capita ... for the working population - 19351 rubles.
Let's round up to 20 thousand.
To this amount it is worth adding the cost of renting a one-room apartment: for different districts of Moscow, the numbers fluctuate, but, taking into account utility bills, you can find a one-room apartment not yet near the Moscow Ring Road for about 35 thousand rubles a month.
Of course, you can rent an apartment and cheaper, somewhere beyond the Moscow Ring Road, and get to the office for 1.5 - 2 hours, and the same amount back. For very conscious workers, I have already seen vacancies with "living in the data center."
Transport must be added to the cost. According to the statute of Mosgortranst "Single" travel card for 90 days costs 5430 rubles, or 1810 rubles per month.
Total: 20 + 35 + 1.8 = 56.8 thousand. Minimum.
In addition, it is necessary to set aside some money for a vacation in Turkey (it is cheaper than Crimea, unless, of course, the employer pays for the ticket), medicine outside of VHI, and other gifts and purchases.
We will round up to at least 60 thousand rubles, and instead of a vacation we will go to the country.
And above the minimum
Let's say our "joon" wants to leave behind
A) Memory in the form of children, and with a competitive education in the labor market.
B) And he himself wants to live in retirement, at least somehow.
For this he will have to
1) Save up for a down payment on a mortgage
2) Pay that mortgage
3) Have income for at least two children and a temporarily disabled wife
4) Save up for a personal pension fund
What is the time frame for this to be done? Yes, everything has been said for a long time, in the Russian Federation an employee at the age of 45 will already be “old”, the real working age is from 23 to 45 years.
So, let's make it simple: 3 years to accumulate the first installment, 10 years to close the mortgage and 10 years to accumulate a personal pension.
In total, at the age of 46, it will already be possible to look into the future with relative confidence (with a competent approach to protecting investments. What is there in the Russian Federation regarding the protection of investments in pension funds and what is the profitability of NPFs?)
To assess the cost and size of the mortgage, we take the Federal Law of December 30.12.2012, 283 N 01.10.2019-FZ (as amended on October XNUMX, XNUMX) “On social guarantees for employees of certain federal executive bodies and amendments to certain legislative acts of the Russian Federation”.
Section 7. Norm for the provision of living space
1. The norm for the provision of the living space to a property or under a social contract of employment shall be:
1) 33 square meters of the total area of the dwelling - per person;
2) 42 square meters of the total living area - for a family of two;
3) 18 square meters of the total living area for each family member - for a family of three or more people.
Total for 4 people you need 18 * 4 \u72d XNUMX meters.
The cost of an apartment in Moscow is, according to the first site that came across:
three-room apartments - 85.08 m (2) / 204.57 tr. per square meter.
Round down to 200 tr., then the total cost will be:
200 (thousands) * 85 = 17.000.000. Seventeen million rubles.
20% of the cost for the first installment will be 3.400.000 excluding insurance
According to the introductory, you need to save up for the first installment in three years, and close the mortgage in 10 years.
The first installment of 20% will be 3.400.000. If it is necessary to save up for the first installment for three years, the annual savings at zero inflation (or with a bank deposit at a rate slightly lower than real inflation and without taking into account the increase in the price of the apartment), respectively, 1.133 thousand, monthly - 94 thousand rubles.
After that, we need to calculate the mortgage payment. We open the Sberbank calculator and get:
Loan amount 13 600 000 ₽
Monthly payment 173 755 ₽
Required income 217 194 ₽
Interest rate 9,2%
By the way, 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 you need to add to the salary for a disabled wife and two children.
These are: 19351 living wages for a wife and 14647 for each child. Rounded, plus 50 thousand rubles to the specified calculation of the mortgage.
Total 217 + 194 = 50 thousand rubles.
Children
In addition to “feeding”, children need to be “taught”.
Let's look at the world ranking of universities - 2019.
THE:
MOSCOW, September 11 - RIA Novosti. Lomonosov Moscow State University became the best among Russian universities in the Times Higher Education (THE) world ranking and entered the top 200, the Project 5-100 press service reported.
Moscow State University moved up to 189th position, which is ten positions higher than last year.
The second and third places among Russian universities are occupied by the universities participating in Project 5-100: Moscow Institute of Physics and Technology (position 201-250) and National Research University Higher School of Economics (position 251-300)
CWUR:
Based on the results of work on the new World University Rankings 2019-2020 by the Center for World University Rankings, Lomonosov Moscow State University entered the top 95 best universities in the world in terms of education quality. In the list of the world's leading university centers, the university took XNUMXth place
It seems that children will have to be prepared from a young age for admission to a foreign university, which means compulsory foreign language courses (or even two), tutors (except for the Unified State Examination), and preparation for admission itself.
You can calculate the cost yourself.
I note that the general calculation does not include medicine (except for VHI), insurance for everything at once, the cost of self-education (no one will teach a junior, and not a junior, and suddenly he will run away on better conditions).
Interesting tasks, you say?
Develop and multiply?
Well, yes.
There will be no conclusions - the second level of Maslow's pyramid is security and stability.
Source: habr.com
