"Old-fashioned" pension may become a new trend, benefiting both parents and children, and is suitable for ordinary families
Filial piety is difficult to keep, and raising children to prevent old age is gradually becoming a thing of the past.
As parents enter their twilight years, most of their children have entered middle age, facing career bottlenecks and even falling into the dilemma of unemployment.
The children are in middle school, rebellious in adolescence, and the family is in chaos every day.
As you get older, your hair gradually decreases, your sleep quality decreases, and your body begins to suffer from various problems, such as high blood pressure, high blood lipids, high blood sugar, gout, lumbar disc herniation and other ......
The economic pressure is huge, and the hard-earned money from housing loans, car loans, and children's education expenses is consumed in a blink of an eye.
Life is stressful!
At this moment, the children are not unfilial, but they are really lacking in skills and are difficult to sustain themselves.
Provide elderly care services to parentsIt's so hard!
Unable to take care of them, they had to send their elderly parents to a nursing home.
Such a later age makes people feel sad.
Parents don't want to go to a nursing home, but what can they do?
Some elderly people are beginning to try a new type of pension method.
In this way, the children act as caregivers and nannies for their parents, and the parents use their pensions to pay accordingly.
Sounds a bit puzzling.
It should be the duty of children to take care of their parents, so how can they make their parents pay for it?
In reality, however, it's the best of both worlds.
My own children are much more reliable than the caregivers outside.
Recently, a variety of new pension methods have emerged in China, such as sojourn pension, hotel pension, group pension, mutual pension and so on. Although it sounds great, for the average person, there are actually two main options: home care and home care.
At present, many nursing homes mainly provide good hardware facilities for the elderly to ensure that the elderly can eat and live well. However, when it comes to human care, there is only so much that can be offered.
I have visited nursing homes in Chengdu many times due to work needs, some with good conditions and some with poor conditions. Their common feature is that the elderly are confined to a limited activity space, follow the prescribed time and rest, and lack independent activities.
The old people can only mechanically carry out the rules, lonely and helpless, waiting for the end of their lives. This scene is deeply poignant.
Elder abuse also occurs in some nursing homes. In July this year, there was an incident of elderly abuse by nursing home caregivers in Taizhou, Zhejiang Province.
In **, an elderly man sits on a chair, and a female nurse in red clothes next to him keeps beating the old man with a handkerchief. Feeling dissatisfied, she picked up a stainless steel bowl from the ground and smashed it at the old man. A meter away, sat two old men, who watched the scene numbly, as if they had become accustomed to it. The eye-catching words "Elderly Care" on the wall are particularly glaring at this moment.
This kind of news is not unique.
Ask if there is any elderly person who would like to go to a nursing home?Which filial child is willing to send his parents in?
Of course, ageing in place isn't always so rosy-seeking.
As we age, our legs and feet become less flexible, and our physical condition becomes more complex, and we often need to see a doctor frequently.
If your children are too busy to take care of them, they have to pay for someone to take care of them.
At present, the cost of nanny and caregiver services is quite high, and the cost of tens of thousands of dollars has become commonplace.
For the elderly with disabilities and dementia, no matter how much they pay, they cannot be 100% sure that they will be well cared for.
There was a news report before.
A son hired a gold medal nurse for his septuagenarian father, with a monthly salary of up to 20,000 yuan. However, when the son accidentally checked the surveillance footage, he was surprised to find that the caregiver had abused the elderly at home, and even slapped his father 57 times in a row in just three hours.
It's unsightly!
Money doesn't solve everything!
Although you can buy other people's services, you can't buy the blood ties of your children.
Working for parents can be a good career choice.
1.The employment situation is grim.
It's getting harder and harder to find a job these days. More than 10 million college graduates enter the job market in China every year, resulting in a surplus of human resources.
Employers are more willing to pay lower salaries and hire younger, more passionate, and more controllable employees. For workplace veterans, unless they have irreplaceable advantages, they may be excluded and dissuaded.
I have a lot of friends around my age who have been unemployed, re-employed, and then unemployed again in the last two years. Or they have been idle at home after losing their jobs, unable to find a new job, so they can only open Didi during the day and set up a stall at night to make ends meet.
For middle-aged people, job opportunities are becoming increasingly scarce.
However, working for parents can earn a stable monthly income, which is much more powerful than working outside the home. You don't have to get involved in complex interpersonal relationships in the workplace, and you don't have to endure the boss's harassment, oppression, and bad office culture.
2.The most cost-effective option in the economy.
The actual income of Chinese is not as glamorous as what is seen on the Internet, and many people earn less than 3,000 yuan a month. This doesn't mean that work is easy, you often have to work overtime, and some people may only have one day off a week.
Caring for parentsIt's simply impossible.
If children are too busy to take care of their parents, they have to hire a nanny. Even simple cooking and laundry cost 4,000-5,000 yuan a month. If a parent has a parent with dementia and dementia, hiring a caregiver may cost you $10,000 a month, and it may be difficult to find someone willing to take on this responsibility.
Finally, even if thousands of dollars are paid, there is no guarantee that parents will be taken care of. For the elderly, it is better to pass this fee on to the children (if the children do not have a job or have a low income). Not only will you be cared for, but you will also be able to spend time with your children every day and increase your sense of well-being. After all, bringing up a child by one's own hands not only has responsibility, but also deep affection, which is more intimate than hiring a caregiver.
3.Ability to balance family and work to the fullest.
It is indeed a very difficult task when it comes to balancing family and work.
Working within the system may be relatively easy. After all, there is less overtime, the benefits are relatively good, you can enjoy a full holiday break, the working hours are more flexible, it is relatively easy to take vacations, and you don't have to worry too much about being deducted from your salary.
However, for work outside the system, the situation becomes more complicated.
Those jobs that can take care of both family and work are very limited and pay relatively little.
I have a friend who has more free time when her child goes to kindergarten and is considering finding a job to supplement her family's income. However, after looking around, the acceptable income level basically requires 9 to 6, and they can't take care of their children after work, and some even only have a single day off. I finally found a job from 9 to 5, but the monthly salary was less than 2,000 yuan, barely enough to pay the rent.
Taking care of family and work at the same time is almost unthinkable.
Another friend of mine, who works for a foreign company, lost his job at the age of 40 due to the dissolution of the company.
After a short one-week break, he quickly started looking for a job again, eventually joining an Internet company that had only been around for three years.
Working in the private sector is very fast-paced.
With a huge workload and a group of young colleagues in their 20s, he often felt overwhelmed.
In addition, his parents are also in poor health, in order to take care of his parents, he has taken leave many times, and the company's HR department has become very unfriendly to him, and even indirectly expressed the hope that he will reflect on whether he is suitable for the job.
He calculated an account in his mind and found that working in this company, the actual monthly income was only more than 5,000 yuan.
However, the parents have no one to take care of them, and they need to hire a nanny to cook and do laundry, and do some simple care, which costs at least 5,000 yuan a month.
If your parents become disabled or dementia in the future, you will have to hire a professional caregiver for at least $10,000 a month, and it may be difficult to find someone willing to take on this responsibility.
After much deliberation, he made a decision - he chose to work as a nanny and caregiver for his parents.
If you can take care of your parents and earn an income at the same time, why not?
You can choose to live with your parents, or if you don't have enough space, you can also find another house in the same neighborhood.
In this way, I can take care of my own small family and care for my parents every day.
Having dinner together is possible, and it is no longer necessary to prepare it separately.
Because it is paid care, the children are able to receive income from it to supplement their own family expenses. The other half is also more likely to be supportive due to financial considerations.
After all, if one of the spouses takes care of their parents wholeheartedly and is unable to work normally, the family will become financially difficult, and the financial burden on the other half will be heavy, which is likely to cause a lot of quarrels.
Final Summary:
In recent years, people's lives have indeed become more and more stressful.
This makes it a huge challenge for us as children to juggle work, take care of our own small family, and care for our elderly parents.
There are only a handful of children who have the ability to support their parents, both financially and emotionally.
This seemingly "gnawing old" pension method may become a trend in the future.