Over the past thirty years in China, per capita disposable income has increased from 1,400 to 39,000, nearly 28 times; in the United States, over the past thirty years, per capita disposable income has risen from around $20,000 to $55,000, less than 3 times.

In the next 30 years in China, such growth is definitely not expected—that's common sense. Assuming we calculate based on this year's GDP growth rate for the next 30 years, which is 1.052^30=4.5 times (roughly twice the US growth over the past thirty years), we will eventually reach 175,500 RMB. Averaging this out, it’s about 107,000 RMB. Over the next thirty years, most people will not earn more than 107,000×30=3,210,000 RMB.

Therefore, personal life planning should ideally not exceed this 3.2 million RMB figure. Those with strong capabilities can aim higher, but at least 70% of people won't achieve this; additionally, for a couple, the total future expenditure should ideally not exceed 6 million RMB, including expenses for raising children.

Note: This is the most optimistic estimate. In reality, it’s highly unlikely that we will reach five times the current disposable income in the next 30 years.