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户晨风说，手机就是苹果，电车就是特斯拉，这其实是屌丝认知。 我认识的高管、老板，没有一个是用苹果开特斯拉的。 他们手机一般用华为，以前是保时捷设计款，现在是非凡大师。还有个拿三星折叠屏的。还有的我不认识，估计是vivo还是啥的旗舰款。 电车通常是问界M9、腾势D9（配司机）、理想、蔚来。要么就还用油车，保时捷或奔驰S。 这是因为，苹果和特斯拉，已经成了年轻白领的标配，这就使得在高净值人群眼里，它们失去了区隔身份的符号意义。 试想，开会时手机往会议桌上一搁，老板和员工的一模一样，或者，上下班在停车场撞到，老板和员工开的车一模一样，这多少有点尴尬。 也甭说人家装逼，这是正常的消费心理。认为这是装逼的，你先摸摸钱包，看自己能不能装得起。 当然会有不在乎身份标签的富人，但凤毛麟角。而且，往往这种人的社会阶层已经高到不需要物质标榜，人家靠刷脸就行。 这种人如果用苹果开特斯拉，他的消费心理和屌丝也不同。就像富人到大排档感受人间烟火，和农民工到大排档撸串喝啤酒，心境是不同的。

China vs. the US. Same world. Wildly different price tags. The numbers don’t lie, and they tell a fascinating story. Average monthly salary in China: $1,007. In the US: $4,276. That’s a 4.2x income gap. But here’s where it gets interesting. Food costs don’t follow the same ratio. A meal at an inexpensive restaurant in China costs $2.84. In the US? $20.00. That’s 7x more expensive. A dozen eggs: $1.57 in China vs $4.41 in the US. A cappuccino: $2.95 vs $5.32. White rice per lb: $0.43 vs $2.09. The Chinese consumer is paying dramatically less, not just proportionally, but in absolute dollar terms. Now look at the real squeeze. Broadband internet in China: $11.23/month. In the US: $72.43/month. Mobile phone plan in China: $8.95. In the US: $60.90. Basic utilities: $51.89 in China vs $210.49 in the US. Infrastructure costs in America are crushing the middle class. The one area where China doesn’t win? A new compact car costs $18,488 in China vs $35,699 in the US. Cheaper, but relative to monthly salary, still a 18-month income commitment for the average Chinese worker. The real insight: China has engineered a low-cost, high-efficiency consumer economy. The US has engineered high wages but also high costs that quietly consume them. Purchasing power parity tells a story that raw salary comparisons completely miss. I have lived in China for over 20 years and I can attest that we get more for less. The only thing I would say it’s ridiculously expensive is real estate prices, where an ordinary person would had to work their whole life to pay off the mortgage. Price-to-income ratios are estimated at: * Beijing: ~37x annual income * Shanghai: ~38x annual income That means an average household may need 30–40 years of total income just to buy a home outright. This is why many Chinese families: * pool money across 2–3 generations * rely heavily on parents for downpayments * prioritize home ownership above almost everything else Important shift happening now: China’s property crisis actually reduced prices in many cities: * mortgage rates fell sharply * home prices declined * affordability improved versus 2020–2021 peaks But psychologically, many young Chinese are now: * delaying marriage * delaying home purchases * preferring renting * less willing to take 30-year debt because they watched previous generations become heavily leveraged into declining property markets.

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