前两天看到有网友发帖称，国节假日就是让大家出去消费的，要不然怎么拉动内需呢？太真实了！人潜意识里为什么一定要买房？ 说的也没错，我们人天生就是有消费欲望的，因为销售消费可以带来情绪价值，特别是在你心情不好的时候去冲动消费一下，会非常的爽。 一个人如果没有了消费欲望，那你努力拼搏有什么意义？每个人都有消费欲望，就看你的消费在哪里，消费在房贷，还是消费在奶茶和外卖。 还有那些商业广告，这些商业广告就是触动我们去消费的一种方式。如果按照现在网络上的一种说法，这种商业广告就是一种精神洗脑，就是pua。 言归正传，回到主题，其实买房子也是我们的一种消费，只不过这个消费金额比较大而已。 买了房子以后有了房贷，大家就不会任性地去消费一些没必要的支出。生活虽然节俭了，但是你拥有了房子。 反之，不买房子的人，他们的消费比较随意，没有了压力就会经常去下馆子，经常会去逛商场购物，以满足自己的一种情绪价值。 通过身边的一些例子，可以看到，买房子的人，虽然抠抠搜搜了一点，但他拥有了属于自己的房子，没买房子的人，他平时的生活比较随性，看似比较潇 洒，但最后他一直都需要租房子住。 这个国庆节放假8天，有钱的人都出去玩了，没钱的人都蹲家里看 ...

Group 1 - The core task for China's economic development post-pandemic is to expand domestic consumption, especially in light of rising protectionism from the U.S. under Trump, which necessitates a focus on increasing domestic demand [1] - Distinguishing between consumer desire and consumer ability is essential for formulating targeted policies to expand domestic demand, requiring an understanding of the saturation point of consumer desire [1][2] - Consumer desire is characterized by its "non-satiation" nature, meaning consumers always prefer more to less, while consumer ability is influenced by income, wealth, and access to credit [2][7] Group 2 - Different categories of consumer goods, such as food, durable goods, and services, exhibit varying saturation points, with food consumption stability indicated by the Engel coefficient remaining between 28% and 30% from 2015 to 2024 [3] - The average annual per capita grain consumption in urban areas has stabilized between 109 kg and 125 kg from 2013 to 2024, with a decline starting in 2021 [3] - Durable goods like washing machines and computers reached saturation points in 2012, while the ownership of refrigerators and air conditioners saw a decline followed by growth due to factors like real estate development [4] Group 3 - The saturation of certain consumer goods indicates a need for high-quality development and product upgrades, while sectors like air conditioning and automotive still have significant growth potential [5] - The overall consumption saturation point in China is expected to decline due to accelerating population aging and decreasing natural growth rates [5] - Consumer ability in China shows significant disparities, with low-income households relying on credit or wealth smoothing for consumption beyond basic needs [7] Group 4 - To activate consumer desire, it is crucial to recognize the non-satiation of consumer quantity and the diminishing marginal utility, while also providing high-quality and innovative products [8] - A differentiated sales strategy is recommended to cater to varying consumer abilities, with high-quality products targeting high-income groups and cost-effective options for low-income consumers [8]

Core Insights - The article discusses the paradox of saving money while feeling increasingly poorer due to rising living costs and inflation [3][5]. Group 1: Consumer Behavior - As individuals save more money, their expectations for quality of life also increase, leading to feelings of inadequacy when comparing savings to rising costs [3]. - A survey indicates that over 70% of people pursue higher living standards after experiencing an increase in income or savings [3]. Group 2: Economic Factors - The article highlights that the speed of saving money does not keep pace with inflation, which is a significant reason for the feeling of being poorer [3]. - The average annual increase in China's Consumer Price Index (CPI) over the past five years has been 2% to 3%, indicating a decline in the purchasing power of saved money [3]. Group 3: Financial Planning - Many individuals mistakenly believe that simply saving money in a bank account is sufficient for wealth accumulation, but this approach yields low returns and fails to outpace inflation [5]. - Financial experts recommend diversifying investments into funds, bonds, or stocks, as long-term investments in quality funds can yield average annual returns of 8% to 10%, significantly higher than bank savings rates [5]. - The article emphasizes the importance of financial literacy and planning to avoid the feeling of becoming poorer despite saving money [5].