为什么农民工一天三四百依然穷，公务员月薪4500元，还能买车买房？

Core Viewpoint - The disparity in financial stability and wealth accumulation between migrant workers and civil servants is highlighted, despite the higher nominal income of migrant workers. The stability of income, social security, and family financial dynamics play crucial roles in determining overall financial well-being [10]. Group 1: Income Comparison - Migrant workers can earn between 300 to 400 yuan per day, leading to a monthly income of at least 7,000 to 8,000 yuan if working 25 days [3]. - Civil servants earn a nominal salary of 4,500 yuan per month, but their total income is significantly higher due to various subsidies, bonuses, and benefits [5]. Group 2: Job Stability and Work Conditions - Migrant workers face job instability due to weather conditions and other factors, resulting in an average of only 220 working days per year, compared to the standard 250 days in other industries [3]. - Civil servants enjoy stable employment and a predictable income, which facilitates financial planning and purchasing decisions [5][7]. Group 3: Expenditure and Financial Burden - Migrant workers have high living expenses, including 24,000 yuan for living costs and 15,000 yuan for rent, leaving them with only 3,000 yuan in savings after a year [3]. - Civil servants, often local residents, have lower living costs and benefit from established housing, making it easier for them to manage expenses and accumulate wealth [5][10]. Group 4: Health and Medical Expenses - Migrant workers are at a higher risk of occupational diseases due to the nature of their work, leading to increased medical expenses [8]. - Civil servants benefit from a better work environment and comprehensive health insurance, resulting in lower medical costs [8].