There is a saying on the Internet that only 10% of people have a pension of more than 5,000 yuan a month. In other words, the number of retirees with a monthly income of 6,500 yuan is less than 20 million based on the total number of retirees in the hundreds of millions of dollars in the country.
So, what kind of living standard is a person who gets a 6,500 yuan monthly pension?
Let's start by looking at the relationship between pensions and individual families and extended families.
Individual family includes the daily expenses of oneself and one's spouse and children, including food, clothing, housing and transportation, medication and common medicines for underlying diseases, necessary gifts and exchanges, and small temporary expenses.
A large family is defined as a family that includes expenses for children and grandchildren in addition to the daily expenses of oneself and one's spouse.
The basic ratio is: personal family expenses account for 30% of the total pension income (including the pension of the wife and children), and large family expenses account for 40%. In addition to these two expenses, there is a surplus of 30%.
A pension of 6,500 yuan can take care of the daily life of yourself and your wife, and the quality is not bad, and you can also take into account a certain amount of financial support for your children. The elderly are very affectionate about "a little surplus", eat all the money, the elderly will have a sense of crisis, and they will still be trapped by money after dinner, and even if there is a slight surplus, it means that "I don't need to look at people's eyes".
The money bag is not shy, there is medical insurance for illness, there is fish for food, mink in winter, and the body is great, this part of the elderly will use their spare money for slow-paced tourism, one place a year, to make up for the shortcomings of the great rivers and mountains that they want to go to but have not been to before retirement.
But if the pension can not do 30% of the balance, or even the "moonlight family", usually need to be deducted from between the teeth, the quality of life will be greatly reduced, to be honest, if so, the monthly income of 6500 yuan of the pension, is not as good as those of the pension of 3000 yuan to live comfortably.
Let's just say that my neighbor Zhou Yue, a single woman, retired two years ago, the pension seems to be about 3,600, people live abroad in winter and summer, go to Kunming to live for a few months in summer, go to Hainan in winter, and Beijing in spring and autumn. To be honest, a 57-year-old woman, no matter how good at maintenance, is at most "charming", but Zhou Yue is still as rich as 40 years old. Live freely, and if you don't accept it, you can't do it.
Besides, Lao Xu, the pension is more than 8,000, and the wife also has a pension of more than 5,000, but the old couple is quite cramped, the two have a son, the son is very lucky, this year is 37 years old, married three times, there are two boys and a girl, but the career is "repeatedly failed", the old Xu and the old couple had to take out the pension to supplement their son. Lao Xu was born in 1960, and he looks older than an 80-year-old man, and he has to look up at people with his back bent.
In a word, the level of pension does not completely measure a person's quality of life, the key depends on whether he has excessive family expenses.
Isn't that reasonable?