{"id":2557,"date":"2021-11-10T14:20:01","date_gmt":"2021-11-10T14:20:01","guid":{"rendered":"https:\/\/www.bling.eu\/media\/?p=2557"},"modified":"2023-05-12T09:48:33","modified_gmt":"2023-05-12T09:48:33","slug":"etre-riche","status":"publish","type":"post","link":"https:\/\/www.bling.eu\/media\/etre-riche\/","title":{"rendered":"Quand est-ce qu’on est riche ?"},"content":{"rendered":"\n

Voyager souvent jusqu\u2019\u00e0 l\u2019autre bout du monde, vivre dans des lieux magnifiques, poss\u00e9der du patrimoine, s\u2019acheter des v\u00eatements et des bijoux tr\u00e8s chers, \u00eatre h\u00e9ritier\u2026 On a plein d\u2019id\u00e9es re\u00e7ues sur la richesse et ses d\u00e9monstrations. Notre fil Insta est d\u2019ailleurs rythm\u00e9 par les modes de vie de ces influenceurs et personnalit\u00e9s incarnant une certaine vision de ce que c\u2019est, \u00ab \u00eatre riche \u00bb (ou le montrer). Mais finalement, la notion de richesse n\u2019est pas si subjective. Essayons de comprendre ce qui d\u00e9termine ce que c\u2019est, d\u2019\u00eatre riche en 2021.<\/p>\n\n\n\n

Une question de revenus\u2026<\/h2>\n\n\n\n

\u00c9conomistes et sociologues s\u2019int\u00e9ressent de pr\u00e8s \u00e0 la question de la richesse. En 2020, l\u2019Observatoire des in\u00e9galit\u00e9s<\/a> a ainsi sorti son \u00ab rapport sur les riches en France \u00bb, fond\u00e9 en grande partie sur des donn\u00e9es de l\u2019Insee<\/a>.<\/p>\n\n\n\n

En termes de revenus tout d\u2019abord, on y apprend que le seuil de la richesse est fix\u00e9 par l\u2019Observatoire \u00e0 deux fois le salaire m\u00e9dian fran\u00e7ais<\/strong>. Situ\u00e9 \u00e0 1 735\u20ac net<\/strong> par mois, ce dernier repr\u00e9sente le niveau de salaire qui coupe exactement la population fran\u00e7aise en deux<\/strong> (la moiti\u00e9 gagne moins, l\u2019autre moiti\u00e9 gagne plus). Ainsi, le seuil de richesse est fix\u00e9 \u00e0 3 470\u20ac <\/strong>net par mois et concerne seulement 8,2% de la population.<\/strong><\/p>\n\n\n\n

Un seuil, certes, arbitraire, mais qui tient compte de la r\u00e9partition totale des revenus dans la soci\u00e9t\u00e9, et permet d\u00e9j\u00e0 d\u2019offrir une tout autre perspective concernant la notion de richesse.<\/p>\n\n\n\n

\u2026 mais aussi de patrimoine<\/h2>\n\n\n\n

De m\u00eame qu\u2019il existe un niveau de salaire au-del\u00e0 duquel on est consid\u00e9r\u00e9 comme riche, le niveau de patrimoine<\/strong> est \u00e9galement un crit\u00e8re important \u00e0 prendre en consid\u00e9ration.<\/p>\n\n\n\n

Par patrimoine, les \u00e9conomistes entendent l\u2019ensemble des biens d\u00e9tenus par un individu ou un m\u00e9nage, qu\u2019il s\u2019agisse de biens mobiliers (actions, assurance-vie\u2026) ou immobiliers (logement personnel, biens lou\u00e9s\u2026).<\/p>\n\n\n\n

Concernant le patrimoine immobilier, il existe l\u00e0 encore un patrimoine brut m\u00e9dian<\/strong>, estim\u00e9 \u00e0 163 000\u20ac par m\u00e9nage<\/strong>, et lorsqu\u2019un m\u00e9nage dispose de trois fois la valeur de ce patrimoine m\u00e9dian<\/strong>, il est alors consid\u00e9r\u00e9 comme riche. Situ\u00e9 \u00e0 490 000\u20ac, ce seuil concerne 16% de la population<\/strong>.<\/p>\n\n\n\n

Le patrimoine mobilier <\/strong>(meubles, tableaux, biens \u00e9lectroniques, actions, parts sociales d\u2019entreprise, etc.) est \u00e9galement central lorsque l\u2019on parle de richesse, car il s\u2019agit alors de d\u00e9tenir un certain nombre d\u2019actifs qui offrent des revenus passifs<\/strong> (permettant parfois de ne plus travailler\u2026 du tout).<\/p>\n\n\n\n

C\u2019est le crit\u00e8re qu\u2019ont d\u2019ailleurs choisi les sociologues Alain Bihr et Roland Pfefferkorn, dans leur ouvrage D\u00e9chiffrer les in\u00e9galit\u00e9s<\/a><\/em>, pour d\u00e9terminer le seuil de richesse<\/a> : selon eux, lorsque le patrimoine d\u2019un individu lui permet de gagner l\u2019\u00e9quivalent du salaire m\u00e9dian fran\u00e7ais sans rien faire, alors celui-ci est riche.<\/p>\n\n\n\n

Riche, tr\u00e8s riche, ultra-riche\u2026<\/h2>\n\n\n\n

Avec ces crit\u00e8res objectifs, on comprend bien que les riches ne sont pas tous des rentiers voyageant en jet priv\u00e9 trois fois par semaine. Toujours selon l\u2019Observatoire des in\u00e9galit\u00e9s, ce sont pour la plupart des cadres sup\u00e9rieurs de plus de 50 ans vivant dans les grands centres urbains, et notamment \u00e0 Paris<\/strong>.<\/p>\n\n\n\n

Cependant, il faut \u00e9galement r\u00e9aliser qu\u2019entre les personnes situ\u00e9es juste au niveau du seuil de richesse (dans les 10% des salari\u00e9s les plus riches) et celles se trouvant tout en haut de la pyramide (dans les 0,1%, et m\u00eame les 0,01%), il y a un foss\u00e9 parfois gigantesque\u2026 Les 0,01% des Fran\u00e7ais les plus riches per\u00e7oivent par exemple un revenu sup\u00e9rieur \u00e0 108 000\u20ac chaque mois !<\/p>\n\n\n\n

Et pourtant\u2026 M\u00eame au sein de cette cat\u00e9gorie de riches, nous sommes encore tr\u00e8s loin des revenus des fameux ultra-riches : qu\u2019ils soient entrepreneurs \u00e0 succ\u00e8s, comme Elon Musk qui per\u00e7oit 432 millions de dollars par jour (oui oui), ou h\u00e9ritiers de grandes familles capitalistes comme Benjamin de Rothschild qui a re\u00e7u plus d\u2019un milliard de dollars par la gr\u00e2ce de\u2026 sa naissance, il est \u00e9vident que la notion de richesse est toujours \u00e0 remettre en perspective.<\/p>\n\n\n\n

Si dans l\u2019imaginaire collectif, \u00eatre riche, cela signifie mener la grande vie dans des palaces luxueux et vivre de ses rentes, pour la tr\u00e8s grande majorit\u00e9 des Fran\u00e7ais consid\u00e9r\u00e9s comme \u00ab ais\u00e9s \u00bb par les \u00e9conomistes et les sociologues, cela signifie plut\u00f4t gagner suffisamment d\u2019argent pour investir, \u00eatre propri\u00e9taire de son logement, avoir une r\u00e9sidence secondaire et partir r\u00e9guli\u00e8rement en vacances.<\/p>\n","protected":false},"excerpt":{"rendered":"Voyager souvent jusqu\u2019\u00e0 l\u2019autre bout du monde, vivre dans des lieux magnifiques, poss\u00e9der du patrimoine, s\u2019acheter des v\u00eatements…\n","protected":false},"author":3,"featured_media":2285,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[52],"tags":[],"class_list":["post-2557","post","type-post","status-publish","format-standard","has-post-thumbnail","category-parlons-cash","cs-entry","cs-video-wrap"],"yoast_head":"\nC\u2019est quoi \u00eatre riche ?<\/title>\n<meta name=\"description\" content=\"Seuil de revenus, niveau de patrimoine, mode de vie\u2026 En 2021, c\u2019est quoi exactement \u00eatre riche ? 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