Today, my friend Xiaohui came to visit out of the blue, since her retirement, she has been busy with travel and rarely has time to come to me. Today's surprise visit reminded me of the saying: "When things go wrong, there must be demons".
After some small talk, Xiaohui finally cut to the point. She said that something happened to her daughter's family and she urgently needed 100,000 yuan for emergency relief, and asked me if I could lend it to her. To be honest, I was still a little surprised when Xiaohui opened her mouth to borrow money.
Xiaohui is my friend for more than ten years, she has been retired for seven or eight years, her retirement salary is more than 4,300 a month, her husband has not retired, the salary is about 6,300 yuan a month, the two of them add up to almost 11,000 yuan a month, she has only one daughter, has been married for two or three years.
Therefore, if the income of their husband and wife is so high, if it is used for daily life, it cannot be spent at all, it can be said that they can save three or four thousand a month, how can they save thirty or forty thousand a year, and why do they need to borrow money for the demand of 100,000 yuan?
After Xiaohui retired, she followed a group of sisters to travel all day long, went abroad after traveling in China, went to Hainan in winter for the winter, and went to Chengde in the summer to escape the heat, and it was a few months, so to speak, 365 days a year, most of the time outside.
She used to call me along, but I didn't like to go out for a run, so I refused. Since she always travels, she can't save any money in her hands, and she cried and told me that she doesn't even have a deposit of 50,000 yuan now.
Now that my daughter has an accident at home and needs their help, she can't even help with 50,000 yuan, and her husband has a lot of opinions on this, saying that she only thinks about eating, drinking and having fun all day long, and never thinks about saving some money for the family.
For this reason, she annoyed her daughter, and even her husband angrily said that she wanted to divorce him. Xiaohui said that in fact, when Xiaohui went out to travel all day, her husband reminded her many times that now that she is older and does not earn as much money as before, she should save some flowers and save some pension money appropriately for emergencies, but her husband's words, she didn't go to her heart at all.
She believes that they have an income of more than 10,000 yuan every month, and they arrive on time every month, which is enough to spend no matter what. Besides, the daughter is married, both parents have passed away, and there are no other burdens, and the retirement salary is enough for daily expenses, and there is no need to save money at all.
Xiaohui holds such an idea, regardless of her husband's persuasion, spends money wantonly, in addition to going out to play, she also buys herself a lot of beautiful clothes, a lot of high-end skin care products, and often goes to skin care and massage, and lives a quite petty bourgeoisie, however, where the money is spent, Xiaohui is now 58 years old,** Moisturized, with a beautiful figure, she looks several years younger than her peers, at that time, in Xiaohui's heart, in this life, it is far more important for a woman to dress up young and beautiful and live happily than saving money.
Xiaohui has always lived happily, and her life is full of fun. However, life is always full of surprises. When her son-in-law suddenly fell ill and needed money**, she realized that she hadn't saved a little money all along.
Seeing her daughter's painful appearance, she began to borrow money from relatives and friends, but the result was not as she expected. When her daughter heard that she didn't even have 10,000 yuan, she broke down and cried.
She always thought that her parents were her dependence, but now it seems that her parents have been retired for many years, and their pension is not low, so they have not saved any money at all. Her daughter accused her of being selfish and focusing only on her own food, drink and merry, without thinking about the future.
She didn't contribute, and she can't contribute money now. Hearing her daughter's words, Xiaohui felt very sad. Her husband also blamed her, saying that she was not a good mother and wife.
He criticized her for living without a plan, and now her daughter is in trouble, and as a parent, she can't help. Deeply guilty, Xiaohui decided to change her lifestyle from now on to prepare for her daughter and her own future.
In despair, Xiaohui remembered me. I am 55 years old this year, and five years ago, I went through the process of retirement. At that time, my pension was more than 4,200 yuan, and when I saw the pension that had arrived, my heart was extremely happy.
After I retired, the company asked me to rehire, but I refused without hesitation. With my pension, I decided to start the life I really wanted.
I only have one daughter, but she is not married yet, the year I retired, she just went to work, and my husband is not retired yet, his monthly salary is basically about 6,000 yuan, so my income with him combined, also more than 10,000 yuan.
Many people would think that my income is so high that I should enjoy life after retirement, yes, that's how I started my leisurely retirement life, but my life is leisurely and not indulgent, and I have a detailed plan for my life.
When I retired, my family had more than 500,000 yuan in savings, and in 5 years after retirement, I doubled my family's savings, and now I have more than 1 million deposits.
In the past, Xiaohui always laughed at me, saying that you don't have a son in your family, you don't need to buy a house for your son to marry a daughter-in-law, even if you want to give your daughter a dowry in the future, you already have two houses, just give her one, why save so much money now?
You should enjoy life well, why bother yourself. But I never felt wronged, when I went to work, I was in the sales business, busy all day, always running for life, now retired, I am enjoying retirement, but everyone's pursuit of a happy life is different.
A lot of people like to travel around after retirement and spend their salaries, but I don't like to travel, maybe because I was too busy when I was younger, and I like to stay at home after retirement, and I feel that it is better to see the scenery than to listen to the scenery.
In the past, I used to travel a lot, running all over the country, I have been to Shanghai, Xiamen, Wuhan, Beijing, Xi'an, Chongqing and many other places, every time I go to a place, I will go to the local famous scenic spots to play, eat local specialties, although I have been to so many places, but I don't feel how good the travel is, but I feel tired.
So now whoever asks me to go on a trip, I don't like it.
Retirement makes me feel calm and fulfilled, living a regular life, exercising, cooking at home, and enjoying a comfortable life. In the past, in the workplace, I was a person who spent money like water, but I knew moderation, and I would make a savings plan every month, although it was not much, but it added up, and now I have more than 500,000 savings.
After retirement, my income has plummeted, but I still have a retirement salary and rent income of 6,700 yuan, which can meet the family's daily living expenses.
In this way, our family's savings are almost 100,000 yuan every year, and in five years, our savings have risen to 1 million.
With these savings, I feel very confident, and in the coming days, I will continue to save money, after all, I have about 22 years left for the rest of my life, and there may be more expenses in my future life, especially as I get older, my health may have problems, and that is when I really need money.
Xiaohui's experience has made me deeply realize that whether or not you have savings after retirement will make a big difference in your life in your later years. First of all, the elderly who do not have savings may be disliked when their children are in trouble.
Because when children encounter difficulties, they will immediately think of asking for help from their parents, and if parents have savings, they can help their children appropriately, which can not only alleviate their children's difficulties, but also deepen their relationship with their children.
Conversely, if parents are unable to help, children may feel disappointed and dissatisfied. Therefore, I advise all the elderly, even after retirement, to save some money appropriately for a rainy day.
Secondly, the elderly who do not have savings may become a burden to their children. Although raising children to prevent old age is a common idea, but now young people's lives are becoming more and more stressful, daily life needs money, children's education needs money, car loans and housing loans need money.
If the elderly do not have savings, the children may feel stressed. Moreover, if the elderly are unable to take care of themselves or fall ill one day, not having savings may cause more stress on their children.
I have a neighbor who didn't save money after retirement, but later fell ill, and his children needed to hire a nanny to take care of him, and his monthly salary was very high, and the pension of the elderly was simply not enough, and he also needed to be subsidized by his children, which increased the burden on his children.
Finally, the life of the elderly who have no savings may be even more miserable in their later years. Elderly people with savings, even if they can't take care of themselves, can go to a better nursing home, or hire a better nanny, and life will be more dignified.
And if there is no savings, the pension is not high, and the children cannot be counted on, it will be difficult to secure the life in old age, and it may even be miserable. Therefore, I strongly recommend that all elderly people should also save some money appropriately after retirement to protect their old age.
In general, whether it is to help your children or to protect your old age, you should save some money appropriately after retirement. This way, even when you encounter difficulties, you can have more ways to cope instead of feeling helpless.