The mother-in-law said: "The third part is the cost of kindergarten, that is, preschool, three to six years old, ordinary kindergarten monthly care fee at least about 1,000 yuan, meal fee about 200 yuan, other miscellaneous expenses about 100 yuan." In this way, it is at least about 1,300 yuan per month, three Chinese New Year's Eve six months, a total of about 47,000 yuan. ”

Xu Haodong said: "This expenditure can also be reduced by 3,000 yuan, and the municipal finance also has a special subsidy, 3 to 6 years old, each child is subsidized 1,000 yuan per year, even the children of foreign settlers and migrant workers." ”

The mother-in-law said: "The fourth part is the cost of primary education: first, it is now said that compulsory education does not cost money, but many local primary schools have school choice fees and training fees, and the sum of these two costs is very unreasonable, under normal circumstances, it will cost at least 20,000 yuan." Second, according to the calculation of no tuition, the cost of books, breakfast, school bus, trusteeship and other things is about 2,000 yuan a year and 12,000 yuan for six years. Third, clothing and living expenses are at least about 600 yuan a month on average, and about 43,000 yuan in six years. Taken together, the total cost of primary education is $75,000. ”

Xu Haodong said: "There are three problems here, first, the municipal finance also has a special subsidy for primary education, with a subsidy of 500 yuan per student per year, a total of 3,000 yuan for six years. Second, we in Yunling City strictly prohibit school choice fees, and there are indeed no school choice fees, and even the children of foreign settlers and migrant workers do not need to pay school choice fees and so-called sponsorship fees, this policy has been implemented for 12 years. Third, we also have a special policy, that is, the training fee is clearly marked and strictly restricted, during the primary school period, each student can participate in six training sessions, 1,500 yuan each time, a total of 9,000 yuan. To sum up, the cost of primary education you calculated, you should subtract $3,000 and $11,000, and the total cost of primary education should be $61,000. ”

The mother-in-law said: "The fifth part is the cost of junior high school education: first, like primary school, junior high school also belongs to the compulsory education stage, so it is free of tuition, and the fixed miscellaneous fees are not high, if it is public, the miscellaneous fees are about 500 yuan for one semester and 3,000 yuan for three years. Second, the tuition fee, interest class fee, and food fee in the school are not high, only about 1,000 yuan for one semester and 6,000 yuan for three years. Third, it is estimated that about $10,000 will be needed to purchase other school supplies, such as electronic dictionaries, MP3s, mobile phones, computers, etc. Fourth, the cost of food, clothing and going out to play will cost about 30,000 yuan in three years. The above four items total about $49,000, excluding school choice fees and training fees. ”

Xu Haodong said: "Our junior high school in Yunling City does not have a school choice fee, and as for the training fee, there is no training in the junior high school stage, so this data is relatively in place." ”

The mother-in-law said: "The sixth part is the cost of high school education: first, the tuition fee is 1,500 yuan per semester. Second, the boarding fee is 2,000 yuan for one semester. 3. Tuition and miscellaneous fees for three years are 6,000 yuan. Fourth, to participate in all kinds of on-campus and off-campus make-up classes, about 10,000 yuan is required for three years. Fifth, the interest and demand for electronic products such as computers will cost about 10,000 yuan. Sixth, food and clothing, etc., about 30,000 yuan for three years. The above six items totaled $77,000, but did not include school choice fees and additional fees for private schools. ”

Xu Haodong said: "In our Yunling City, there is no school choice fee for high schools, in addition, from primary school to high school, they are all public schools, and there are no private schools, which is the characteristic of our Yunling City." ”

The mother-in-law said: "The seventh part is the education cost of the university, this part is a bit complicated, the cost of the university is frugal or rich, most people still depend on the family situation to decide." I conducted a questionnaire survey through your Yunling City Education Bureau, which lasted two months and 10 days, sent out a questionnaire to 20,000 families with college students at home, and collected a total of 17,329 copies, with an average total cost of about 128,000 yuan for each college student for four years. Among them, the tuition fee is about 20,000 yuan. Miscellaneous expenses and living expenses are about 2,000 yuan a month. Other expenses are about 1,000 yuan per month. ”

Xu Haodong nodded and said: "The cost of university education is indeed difficult to calculate, 128,000 yuan, which should be a relatively high figure." Anyway, the cost of every college student is different, take me as an example, in the four years of college, not only did I not spend a penny from my family, but I also paid 5,000 yuan to my family. ”

Xu Yunjie said with a smile: "Brother-in-law, during college, you and my sister fell in love for three years, and according to my sister, you spent at least tens of thousands of yuan in order to please her." ”

Mother-in-law also smiled: "Xiaojie, your father said that Haodong is a winner in life." ”

Xu Haodong said modestly: "Mom, the so-called winner in life is just a little lucky, or it can be said that every time he grabs the fleeting opportunity." It's not good for a winner in life to win too much, because the more you win, the more likely it is that you will lose at any time. ”

The mother-in-law nodded, pointed to the computer and said, "Haodong, according to my statistics and your supplement, the expenses of a child from pregnancy to college graduation are as follows: the cost of pregnancy and childbirth, 16,000 yuan; Fees for zero to three years old, $24,000; the cost of preschool, $44,000; the cost of primary education, $61,000; the cost of junior high school education, $49,000; the cost of high school education, $77,000; The cost of education at the university is $128,000. The total cost of the seven stages is $399,000, or $400,000. ”

Xu Yunjie said: "400,000 yuan, it takes 22 years for a person to graduate from college, and the average is less than 20,000 yuan per year, isn't this amount high?" A family raising two children spends 40,000 yuan a year on the children, and if both of them have jobs, this expense should be affordable. ”

Xu Haodong said: "Xiaojie, you are wrong. The figure of 400,000 is the statistics before today, or the statistics of the present. According to the common sense of economics, the expenses of the children born in the future, 400,000 yuan is definitely far from enough, for example, our two little guys, 400,000 yuan may only be able to raise until the age of ten. ”

The mother-in-law nodded and asked, "Haodong is right, then, Haodong, what method are you going to use to calculate?" ”

Xu Haodong said: "My point of view should be calculated using my method, which should not only take into account the depreciation of the currency and the rise in prices, but also include the concept of consumption to keep pace with the times, I think it is more fair." ”

My mother-in-law said: "According to your mathematical model, based on 22 years, every five and a half years, divided into four periods, the increase rate of expenditure is 25 percent, 50 percent, 100 percent and 200 percent, that is, the increase is doubled every five and a half years. ”

Xu Yunjie said: "Mom, what you said with your brother-in-law, Aunt Chen and I don't understand, the clouds and mountains are covered in fog, do you say it is more popular." ”

The mother-in-law said, "Let Haodong say." ”