It s too late to think about retirement at the age of 35, and it s too difficult for this generation

A few days ago, at a roundtable forum held by CCTV Financial Channel, Professor Chen Bingzheng from Tsinghua University put forward a point of view:

"Retirement is a long-term process that requires early planning. If you don't think about pension until you are 35 years old, it's actually too late. ”

In response to this, netizens commented (the following is one of the interceptions):

It's really late, and even weak, but there are a few people who can figure it out at 30. Wait until 35, all kinds of expenses will rise sharply (second child, four elders, mortgage), income may not rise but fall (one's own income is limited, and the spouse is full-time to run the house), it is already very hard to maintain the current life without declining, and it is even more difficult to save again!

With the development of society and the improvement of people's living standards, the issue of old-age care has gradually become the focus of people's attention. Many people believe that pension should be something that needs to be considered after retirement, however, this view is not entirely correct. In fact, it is not too late to start thinking about retirement at the age of 35, and it can even be said to be the right time.

First of all, from a personal financial perspective, the age of 35 is a critical period for wealth accumulation. People are usually out of their careers, their careers are on track, and their incomes are gradually increasing. At this time, it is very necessary to reasonably plan personal finances and lay a solid foundation for the future retirement life. This includes the establishment of personal investment accounts, regular savings, and the purchase of pension insurance, all of which can provide a strong guarantee for the future retirement life. Secondly, from the perspective of personal health, the age of 35 is also the best period to pay attention to physical health. At this stage, people begin to realize the importance of physical health and begin to pay attention to their lifestyle and Xi. Therefore, from the age of 35, pay attention to physical health and cultivate good life Xi habits, such as regular exercise, balanced diet, quitting smoking and limiting alcohol, etc., can provide a strong guarantee for the future pension life.

In addition, from the perspective of the social environment, the age of 35 is also an appropriate period to pay attention to the issue of pension. With the intensification of the aging trend of society, the issue of pension has become a hot topic of social concern. **Enterprises and all walks of life are actively exploring and practicing various pension models and programs, providing more choices and guarantees for the future pension life. Understanding and paying attention to these policies and programs can enable us to receive more help and support in our future retirement life.

After having a baby, the financial pressure on the family becomes even heavier.

Either way, it's always good to plan ahead.

In our lives, the issue of old-age care is a reality that each of us must face. Whether we want to or not, whether we've started thinking about it or not, it will come to us at some point in time. Planning ahead not only gives us more options, but also allows us to face future challenges more calmly. Only when we have enough confidence and grasp of our future can we truly enjoy the beauty of life. And this confidence and certainty comes from our planning and preparation for the future. Retirement is not a simple matter, it requires us to take into account many factors, such as finances, health, social and so on.

Therefore, we need to start now, think seriously about this issue, and take action. Even if we are past the age of 35, even if we have not started thinking about retirement from the first month of workAs long as we start from the present and actively plan and prepare, we will be able to have a happy and stable life in old age.