超三成消费贷投向奢侈品、旅游、医美，深陷超前消费与享乐主义
中产破产三件套
1. 高额房贷月供2万+
2. 配偶全职在家
3. 二胎就读国际学校
返贫四大核心主因
1. 突然失业
2. 重疾缠身
3. 盲目投资
4. 草率创业
中产九大返贫陷阱
海景房、P2P、乱炒股，乱炒币、裸辞创业、买公寓、碰集资、购商铺、加盟开店、搞民宿
踩中任意一个，都足以让中坚阶层一夜返贫。
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