This was recorded by RANEPA experts after analyzing Rosstat data. The coefficient, which shows the difference between the incomes of the richest 10% and the poorest 10%, increased in the 1st quarter of 2017 compared to the 1st quarter of 2015. If you look at the dynamics of the social gap by years (data in the infographic), you can see that it is now much higher than it was in 2000. Meanwhile, there were twice as many people with an income below the subsistence level - 42.3 million versus 19.8 million in 2016. Why, with the success in the fight against poverty, has grown so much and social inequality continues to grow?

Oil cake

“According to our calculations, the level of social inequality is higher than that announced by Rosstat,” says the scientific director of the All-Russian Center for Living Standards, Chief Researcher of the PRUE. Plekhanov Vyacheslav Bobkov. - We compared the incomes of the least well-off (with an average per capita income below 10 thousand rubles) and the most well-off (with an income above 110 thousand rubles). As a result, we got a gap of 21 times. And analysts from the Swiss bank Credit Suisse, in addition to income, took into account real estate, capital in shares, etc. and found that the level of inequality in Russia is higher than in any other large economy in the world.

The fact is that we have a distribution system of monetary resources in our country. Since 2000, due to high oil prices in the country, additional income... But this increase was distributed in favor of a group of high-income citizens who had their own lobbyists in power. And the poor got an insignificant part, it made it possible to raise their standard of living, so the number of the poor in the country decreased. But the social gap in incomes between the poor and the rich widened because the latter increased their capital at a faster pace. Now, when the economy is in crisis, there are fewer resources. The rich, trying to maintain their position, begin to protect them more zealously and cut the share of the poor, so the income gap has started to grow again. "

“In terms of the level of budget expenditures per capita, Russia ranks 63rd,” explains Director of the Center for Strategic Studies Mikhail Bocharov... - We have this figure of $ 1474 per person. For comparison: in China, with a population of 1,374 million people, this figure is $ 1,765, in Estonia - $ 6,981, and in Norway - $ 44,662. This means that pensions, social payments, the salaries of state employees are small. And every year, taking into account inflation (real, not official), their purchasing power becomes less and less, and the rich continue to get richer. Recently, information appeared in the media that a well-known company paid a bonus to members of the board of 1.5 billion rubles, that is, each of the 10 top managers received 150 million rubles, or 16 annual earnings of the President of the Russian Federation. "

Crop golden parachutes

“Yes, pensions are being indexed in the country, new social benefits are being introduced,” says Vyacheslav Bobkov. - But the flywheel itself, launched by the distribution system, works in the interests of the financial oligarchy. Remember who received the greatest financial support during the crisis? Banks! To stop this flywheel, we need comprehensive reforms. ”

First, the remuneration policy must be changed. About promotion minimum size wages to the level of the living wage have been talked about since 2000. But only a few days ago a draft law equalizing these values ​​was submitted to the government. Officials say it will take several years to complete. As AiF has already written, it is necessary to deal with the wage gap between ordinary workers and top managers in the same industry. Legislatively establish the magnitude of this difference not only in the state, but also in the commercial sector, as is done in some countries of the world. Finally, it is necessary to moderate the appetites of top managers of companies with state participation - with their multi-million dollar bonuses and golden parachutes.

The second way to smooth the income gap between the rich and the poor is with a progressive tax. “People with an income of up to 30 thousand rubles. a month from the tax can be generally exempted, - says Mikhail Bocharov. - For income above this amount, enter progressive scale taxation ". This scheme works in most countries in the world. For example, in France, household income of up to 809 euros per month (50 thousand rubles) is not taxed, with income up to 140 thousand rubles. the tax is paid at the rate of 14%, further - more. The maximum rate is 41%. However, all attempts to introduce a progressive tax in Russia are met with sharp resistance. “Officials say that with his appearance we will receive an increase in gray wages. But we have, according to Head of the Ministry of Finance A. Siluanov, the annual volume of gray wages is already 10 trillion rubles. - half of what is paid in white, - M. Bocharov is perplexed. "Maybe we need to find ways to bring the economy out of the shadows?"

V. Bobkov also reminds of the shadow side of the Russian economy: “When we talk about the difference in income, we take into account only legal earnings. But this is the tip of the iceberg. Taking into account the shadow corruption distribution system (bribes, kickbacks, etc.), the gaps between the rich and the poor in Russia are even larger. "

We often think that the difference between rich and poor is the presence or absence of Money... But thinking is too primitive and stereotyped. Indeed, the difference between the haves and have-nots lies in more fundamental and complex things.

For example, in habits, in types of thinking, in the ability to think, act and do things. The ability to take risks, learn, and overcome obstacles. You will learn about some of the important things that distinguish rich and poor people by reading this article.

Attitude to material assets clearly demonstrates the difference between the thinking of rich and poor people. If a poor person has a large amount of money, he immediately spends it on expensive purchases: for electronics, cars, accessories, clothing, jewelry etc.

He buys things that should make him rich in the eyes of others, he creates an apparent luxury that is associated with wealth in his subconscious. Often we meet people who spend a lot of money on things they don't need at all, succumbing to a momentary emotional outburst or the tricks of marketers.

Saving is the mother of wealth. A vivid proof of the truth contained in this proverb is the life position of the famous billionaire investor Warren Buffett. Despite the fact that entrepreneurs pay several million dollars an hour for lunch with this person, and Warren's investment returns reach colossal proportions, he still continues to live in his old, cozy house for $ 31,000, rides old car and contains an inconspicuous office with a small staff.

As you can see, the attitude to material values ​​in different types people are completely different. The rich see only things in them, and several times ponder the necessity of this or that purchase. The poor, on the other hand, buy whatever they see fit and recognize their image of a “rich” person for show.

Taking care of your finances

Oddly enough, rich people know how to manage their financial situation. In other words, they do their best to, at a minimum, preserve and protect their financial assets, and, as a maximum, to increase them. This skill is acquired in the process of learning and self-development, and it is very important in any kind of activity.

Without such a skill, even having received a large inheritance or winning the jackpot in the lottery, a person can drive himself back into the poor category in a few years. For making your money work for yourself and multiplying is not a valuable and difficult skill, and not everyone wants to have it.

Attitude to change

A rich person always expects change. He always expects positive changes in his life. He seeks to achieve his goal and perceives all sorts of events as problems on the way to it or as help in achieving it. A poor person is very often afraid of change, he is afraid to change something, he is afraid to make a mistake or lose money.

The positive thinking of a wealthy person attracts good luck and good people... He is always waiting for what the changeable world is about to throw him new opportunity change something in better side... And the negative thinking of the poor man only scares away any opportunity to improve his well-being and leads to a deterioration not only in his material situation, but also in his moral condition.

The poor man thinks that on the fast train called "my life" he is just a passenger, and nothing depends on him. The rich, on the other hand, always considers himself a machinist and can turn in any direction at any time.

Education and self-development

A wealthy person always invests time and money in their education. He attends trainings personal growth, studies markets, looking for new opportunities, connections, tools and methods of investment. Instead of constantly complaining about life, watching the rise in prices and inflation, a rich person is engaged in self-improvement, trains his brain, improves skills and abilities.

Based on such different lifestyles and views on things, rich and poor people develop habits that largely determine their life in the future. A US analyst, Thomas Carly, has devoted an entire study to the habits of rich and poor people. Below are some of the facts revealed in his work.

In the era of the Internet, when there are many free courses, trainings, good books on investment and financial planning to say that someone cannot afford a good education is simply absurd. There is information on how to be rich and financially independent, and it is available to everyone. You just need to find it, study it, and then apply the knowledge gained in real life.

If anyone thinks they are too old to study, let them read some of the success stories of people like Colonel David Sanders, who founded the fast food chain KentuckyFriedChicken at 62 and during the Great Depression, to motivate them.

Conclusion: why someone is rich and I am not?

When we see a rich person, we often think that, for sure, he received his wealth as an inheritance, but he himself did nothing in life. But Forbes statistics show the opposite, 80% of the millionaires from the list of the richest people in the world made their fortune on their own.

As you can see, there is no secret of wealth. All the differences between rich and poor lie in thinking, education and willpower.

If you want to be free and independent, develop. Your savvy and desire to change your life will ultimately make you rich. Study the markets, invest your savings wisely.

Try to apply in your life a simple truth written in the book by Robert Kiyosaki: "If you want to receive something, you must first give it!"

Businessman Daniel Ellie has compiled a list of 10 differences between rich and poor for Entrepreneur readers. He said that he was rich and he was poor, so he knows the difference very well.

“I grew up poor and I knew that I wanted to be rich. At the age of 24, I made my first million dollars. I've come a long way. Over time, I discovered that if you are not living in abundance, then you are living in poverty. Wealth is a choice we must all make. Bill Gates once said, "It is not your fault if you were born poor, but it is your fault if you die poor."

Here are 10 major differences between rich and poor people:

1. Poor people are skeptical, and rich people trust others.

It's amazing how many wealthy people leave their homes and their car doors open. Poor people are unlikely to do that.

2. Poor people find fault, and rich people seek success.

People who are poor are always looking for problems, not solutions. They end up blaming the environment, circumstances, weather, government, etc.

3. Poor people make assumptions and rich people ask questions.

When it comes to finding the truth, poor people often make assumptions. And many rich people just ask the question "What if?" If you start asking questions, you will save a lot of effort.

4. Poor people say "they" and "strangers", and rich people say "we".

5. Poor people are looking for cheap ways, and rich people are looking for better ways.

Poor people often buy unnecessary items simply because they are cheap, and rich people are willing to go the extra mile to find quality material.

6. Poor people think money is more important than time, and rich people know that time is more important than money.

Millions of people around the world are selling their precious time for money. You can always get $ 500 back, but you cannot get your 50 hours back.

7. Poor people compete, rich people create.

When a poor person sees an opportunity, he learns how others are doing it and repeats.

8. Poor people complain, condemn and criticize, while rich people praise.

Most poor people have learned to be poor in the family. Rich people know they have many privileges, and they don't take it for granted.

9. Poor people seek amateur advice, while rich people seek expert advice.

Poor people often try to listen to the opinions of others and get approval from acquaintances. They believe almost everything they hear without questioning their authority. Those who are rich have learned to think for themselves. If they cannot figure something out on their own, then they seek expert advice.

10. Poor people have big televisions; rich people have large libraries.

Natalia Romashkina, "Business Quarter"

Once upon a time I read on the Internet the statement of one of the big businessmen, in my opinion, it was Jack Ma, and so in his monologue he voiced wonderful words - it is impossible to please the poor! Give them cheap, they'll say suspiciously. Give them dear, they will say, cashing in on me. Give them for free, they will be afraid that later they will have to repay the debt. The quote did not sounded word for word, but I think I conveyed the essence in the best possible way.

As I said, I have my own blog and several threads on various forums. I am not suggesting anything to anyone, but I touch on the sensitive topics of accumulating and increasing personal capital, independently forming a pension, buying assets and achieving the goal of creating sources of passive income. I just create a thread and participate in discussions without suggesting anything specific. Why do I need it? I try to identify the needs of people and understand how people understand what is generally about in question and how ready they are to take responsibility for their future in financial plan right today.

The observations are extremely interesting. And you know what? The poor, I mean thinking, are impossible to please! Investments are not available to poor people, this is a fact. And a person may have several million in a bank deposit, he will remain poor in his thinking and will never be able to engage in investments. I have already told you about the difference between investing and speculation, so speculation was invented especially for the poor. That is why in many cities there are now such brokerage offices, whose managers call the whole city offering to make money on their investments. They do not give any training, they teach only to invest and lose money through a special program.

Why is long-term investment not appealing to the poor? Because there you have to wait. People want instant enrichment. For them, an investment is to invest 100,000 rubles on Monday, and fly to the Maldives with the whole family on Friday. Therefore, all the poor are interested in Forex, binary options, bookmakers, bitcoin and other cryptocurrencies, credit exchanges on the Internet. Advertising of representatives of all of the above speaks precisely about getting rich quick, you do not need to study, wait, devote a lot of time.

On the forum I am often asked how much an investment in stocks can bring. I answer quite honestly that the stock market does not provide a guaranteed daily income, stocks of companies are a business, and things are going very well there, sometimes not very well. But if you have formed your portfolio of reliable stocks, which are doing well with their financial statements and you are ready to wait, then on average the stock market gives 20-30 percent per year.

Perhaps this year you will sit in 5% yield, and next year you will earn 50. Our stock market is only 20 kopecks years old, but if you analyze the US stock market with a longer history, you will understand that I am right. In Russia, about 15% of the population is listed as shareholders, while in the United States, almost 80% of citizens own shares in some companies. This suggests that in America it is people who invest, hold stocks, receive dividends and accumulate their capital for years. In Russia, since the time of Mavrodi, people want to hit the jackpot.

When I ask my friends how they plan to improve their financial situation, they start talking about their plans. A lot of them. All are profitable, as my friends think. For example, one service does not close the doors to the end, and from there you can steal tires. You can open IP for some bad person, get a big loan and throw it. You can take homeless people, wash them, take them to Moscow, where an acquaintance at the bank will help you arrange loans for them. Take the money and leave. From these stories, you've probably already figured out how my friends want to spend the rest of their lives.

Others go further. You can take a loan, invest in Forex, where the type from the next doorway says that you can raise 20 percent per day and thus earn 20 pieces a day. And I also figured everything out and Chelsea in the next round will break Manchester anyway, I’ll get my salary just on Friday, I’ll jump into the big game, finally, I’ll win back all the past failures and raise a normal dough.

Most people are no different from those I know. Well, maybe they don't want to steal tires yet, but they are more willing to invest the latter in speculative operations that have a high degree of risk, and most often they generally invest in gambling such as betting on sports and online casinos.

A smart person really likes to get 20% a year, he understands that he is ahead of the inflation rate by several steps and thus gets richer! The rest are not interested in this, so I often hear questions about where to invest in order to earn money? And then, with displeased faces, they leave and mutter under their breath - you can earn some money there, they don’t fumble about anything at all. Even though my neighbor is swelling, he raises a ruble a day at rates, I'd better come to him with a beer now and make a couple of bets together!

A truly successful and rich person would be more correct to call someone who received such a "title" not because of his marital status or the presence of any connections, but thanks to his own dedication, perseverance and productivity. Most often, this is the main difference between a simple rich man and a person who independently achieved the highest financial results. However, if you make a comparison between deservedly rich and poor people, you can find many interesting reasons associated with the presence of each of them a different social status.

In our time, absolutely all representatives of modern society are striving to gain financial independence, that is, to become rich. But, unfortunately, only a few of them manage to make their dreams come true. The reason for this may be the huge number of factors that prevent poor people from getting out of poverty, or at least moving to more high level earnings. For example, in many articles with similar theme write that all rich and poor people have different personal qualities, therefore, some manage to get rich, others do not. But is it true? Let's take a look at the characteristics of each of the above types of people together and finally answer this question: "How do the rich differ from the poor?"

The qualities of the poor

Time... Time is one of the most valuable human resources, and as a rule, it becomes less and less every day. Poor people do not understand this, so they often postpone their plans to improve their lives indefinitely, thinking, “I don’t have time for all this yet.” Ultimately, they fail to achieve their goal, due to its constant postponement, which can last for an eternity.

The ability to manage and manage money correctly is an important skill that almost any poor person lacks. For example, having received wages, they on the same day begin to celebrate this joyful event, spending some of the money they earned on it. After that, every 5-6 days, they celebrate the end of the working week. And soon, due to senseless financial spending, they begin to take out debts or, even worse, loans. As a result, the totality of such situations turns into an endless cycle of life: “earned - spent - borrowed”. And that's all.

Thinking... Most poor people have serious problems, not only financially, but also spiritually. This is clearly visible at the moments when they start talking about their dream and life goals... Purchase expensive car, apartments, clothes, etc. - this is what many people who have a small income dream about. They do not want to think about something great, they do not want to set grandiose goals for themselves. “And why is all this necessary? Acquiring a cool car is what I really want. "

Character... If a poor person starts doing something serious in order to increase his income, he will immediately forget about this matter if he does not get the desired result in the near future. Such behavior is closely related to the fact that the majority of disadvantaged people lack a persistent character and an understanding of the fact that for the transition to a new financial level it is necessary to continuously strive to achieve the set task, not forgetting to make every effort to obtain the required result.

Environment... No matter how rude it may sound, poor people most often communicate with their own kind, which can in no way be related to the achievement of financial goals. Each of us is well aware of the proverb "Whom you lead, from that you will gain". So she perfectly illustrates the influence of a poor environment on the worldview of an individual. Thus, constantly communicating with persons whose qualities we have already discussed, a person becomes part of this society and simply ceases to believe in better life and strive for it.

The qualities of the rich

Time... Wealthy people are well aware of the value of the time given to them and try to use it as efficiently as possible. Many of them find time every week to plan their personal affairs for the coming days. This helps them to identify in advance for themselves the most important tasks that must be completed within a certain time frame. And even if a successful and wealthy person does not use time management, he can still easily distinguish a meaningless activity from a useful one. V similar situations, he usually always prefers the latter option.

For rich people, money is not just paper, thanks to which you can buy something, but a valuable resource, which is one of the main means for achieving goals and improving our world. And all financially secure people know that this resource tends to end. For this reason, they open businesses, develop interesting projects and invest in them. Thus, they benefit everything modern society(for example, creating new jobs) and thereby increase the size of equity capital.

Thinking... A rich person thinks much broader than other people. He has clearly planned goals, after the implementation of which he sets new tasks for himself. He understands that he can improve the world, and tries to do it in all ways (for example, doing charity work or financially supporting young companies). He lives with a dream to contribute to the development of the whole world, leaving a significant mark in its history. Well, the most important thing in all this is that deservedly rich individuals thought the same way even in those days when they did not have any money at all.

Character... Rich people always strive to achieve the desired result, even if it takes a huge amount of time to achieve it. They have an inner core that does not allow them to be afraid of failure and give up difficult situations... This is simply not characteristic of them, because for them any failure is a life experience, and a difficult business environment is a test that must be overcome with confidence. And if they fail to do it the first time, they will try again and again.

Environment. A rich man is surrounded successful people that inspire him to do the right thing. However, these connections did not arise for him just like that, but thanks to his constant acquaintances with more wealthy people. This is another significant difference between a poor and a rich person: the first notices around him only unfortunate and poor people, and therefore communicates only with them; the second one understands that in every city there are many purposeful personalities, so he finds them and, as a result, gets to know them. Well, this acquaintance with time can develop into cooperation, and after that into a full-fledged friendship.

Conclusion

Whatever social status you now have, always remember that money is not a goal, but just a means to achieve it. And if you have not yet managed to acquire reliable source good earnings, then do not despair, but rather pay attention to own image life: on their daily affairs and daily habits, on their environment and attitude towards other people. Get rid of the qualities that are inherent in poor people, and start acting, because life will not change for the better by itself, and you will not become rich if you sit back and envy successful people. Therefore, dream, set goals and be sure to achieve them.