With the passage of time, we gradually moved away from the enthusiasm of youth and entered the stage of life after the age of 50. This period is a watershed in life, and it is also an important moment in determining the happiness of old age. The beauty of old age depends not only on the external environment and social system, but also on the habits developed in middle age. Therefore, we urgently need to warn ourselves to break the bad habits that can lead to bankruptcy in middle age, including irrational investment for children, excessive face-saving social interactions, and an attitude of waiting for retirement. Happiness in later life requires sound financial planning and a prudent attitude towards life.
The habits developed in middle age determine happiness in later life
The poet Rabindranath Tagore once said: ".Leaving our habits unrestrained does not immediately show its effects when we are young and energetic. But it gradually consumes this energy, and in old age we have to settle accounts and pay off the debts that led us to bankruptcy. ”This quote speaks to the profound impact that habits developed in middle age can have in later life. Life after the age of 50 is the culmination of all kinds of habits developed in middle age.
1.Irrational child investment
After the age of fifty, many people want to be able to enjoy their old age and live a full and happy life. However, some parents pamper their children too much in middle age and even lose their minds when it comes to investing in their children. Some parents do not hesitate to spend everything they have to buy a house for their children's entrepreneurship, and even have to pay for their children's descendants. This kind"Rich baby-raising".Although out of deep love for children, it may become the fuse for bankruptcy in later life.
In a rural family, for example, parents have worked hard all their lives to provide for their children's education and even help buy a house. However, once their children encounter difficulties in their careers, unemployment or financial pressure, parents have to support them again. This way of investing in children is not a "sure win" and is likely to become a burden in later life, leading to financial bankruptcy.
When facing adult children, you should be moderately stingy and let them know that life is not easy and that parents are not eternal backing. The process of letting go of your children may be disappointing, but it is also to help them better understand the pressures of life and develop their ability to live independently.
2.Excessive pursuit of face-saving socialization
Another bad habit that can easily lead to bankruptcy in midlife is the excessive pursuit of face-saving socialization. On occasions such as weddings and birthday parties, some people may be too squandered because of face problems, adding a lot of financial pressure to themselves and their children.
In social interactions, sometimes people spend too much on gifts and gifts because of the problem of face, and even over-borrow. In the countryside, there is an old man who is obviously financially constrained, but in order not to lose face, he still pays a small amount of money for a relative's wedding. This kind of social style of excessive face-seeking may lead to financial crisis in later life.
In addition to the excessive pursuit of social etiquette, there is also a more hidden face problem, that is, the elderly are difficult to distinguish the truth of the relationship, and they are pulled into the pit. Some people, because they are too kind, act as a guarantor for others, which eventually leads to financial bankruptcy. This kind of social trap of "acting as a guarantor, bankruptcy is imminent" needs to arouse people's profound warning.
3.Sit-and-wait attitude towards retirement
After the age of fifty, the person's body gradually declines, and many things are beyond their strength. However, some people are too passive, adopt a wait-and-wait attitude towards the elderly, and pin their hopes for the elderly on their children. This practice of expecting children to bear the cost of old-age care may face many problems in practice.
Someone asked: "My parents have no savings in their fifties, and they still have to drag their feet and feel confused in life, what should I do?" This kind of "waiting" attitude not only brings a heavy burden to the children, but also makes the elderly themselves feel hopeless in life. In old age, how to live independently and autonomously is an urgent issue to consider.
Happiness in later life requires sound financial planning and a prudent attitude towards life.
In order to ensure a happy and fulfilling life after the age of fifty, we need to reflect and adjust in middle age to avoid falling into the trap of the "bankruptcy trio". Happiness in later life requires sound financial planning and a prudent attitude towards life.
1.Manage your finances prudently and plan your children's investments reasonably
The quality of life in old age is directly related to how you manage your money in middle age. In middle age, we should learn to be rational and cautious about our children's investments. Don't blindly pursue your children's success, and don't overinvest in your own wealth. Rational asset allocation and reasonable financial planning will provide a solid economic foundation for life in later life.
2.Be socially rational and refuse unnecessary spending
When it comes to socializing, we need to be rational and refuse to spend unnecessarily. Whether it is at a gathering of relatives and friends, or at a wedding and birthday banquet, we should take the actual situation as the basis and rationally grasp the balance of gifts and gifts. In the social circle, it is even more important to learn to distinguish the authenticity of the relationship and stay away from those "face traps" that may put you in financial difficulties.
3.Actively retire and live independently
For the issue of old-age care, we cannot completely pin our hopes on our children, but need to be proactive in planning for our later life. This includes saving your pension in advance, buying appropriate insurance, choosing the right way to provide for your retirement, etc. Through active efforts, we can better enjoy our old age, not only to reduce the burden on our children, but also to live a more independent life.
Conclusion
After the age of fifty, life enters a new stage, and the happiness of old age depends on the habits formed in middle age. We need to warn ourselves to put away generosity, stay away from the "bankruptcy trio", and carry out sound financial planning and a prudent attitude towards life. onlyMaking rational choices in middle age is the only way to live a happy and fulfilling life in old age. I hope that everyone can have a good old age after the age of fifty.
February** Dynamic Incentive Program