Nowadays, the mainstay of society is mainly the post-80s and post-90s, and the post-00s have also become adults and are gradually shining in society.
However, in contrast, the post-70s generation is in a very embarrassing position. They are still early in retirement, but the youngest is over 40 years old, which has long exceeded the company's best employment standards.
So, how much savings do the post-70s have to retire with confidence? The "passing line" is coming! Look at the deposit, you, have you met the target?
When we evaluate a person's life state completely, we should not only look at material conditions, but also look at many other aspects, including psychological state, health status, social relationships, and so on.
Let's look at the material conditions first, which is related to regionality.
From the perspective of economic development, the eastern coastal areas have convenient transportation, commercial and trade cooperation and technology introduction earlier, and rapid economic developmentFor example, Liaoning, Hebei, Tianjin, Shandong, Jiangsu, Zhejiang. There is no doubt that they have more disposable income than other provinces.
Taking Jiangsu as an example, the per capita disposable income of residents in the country in 2023 will be 39,218 yuan, and Jiangsu is more than 1w more than the country. As the tide rises, the disposable income of the post-70s generation is naturally high.
In contrast, the central and western regions are located inland, with inconvenient transportation, and are deeply affected by the small-scale peasant economy, and the commercial economy started late. Similarly, the living conditions of the post-70s generation may be poorer.
Secondly, the allocation of educational resources is also an important factorIn some developed cities, such as Beijing and Shanghai, even the post-70s generation has the opportunity to receive high-quality educational resources, which lays the foundation for them to improve their living conditions.
In some places where agriculture is the main mode of productivity creation, or in remote areas, the lack of educational resources has almost cut off their opportunities to change their destiny.
Of course, in recent years, the central and western regions have given full play to their own advantages and vigorously developed tourismIt has attracted a large number of foreign population, and at the same time has driven the development of the cultural tourism industry, which is making regional differences continue to narrow.
Looking at the psychological state again, the post-70s generation generally has a higher psychological tolerance. It has witnessed the process of China's transformation from a planned economy to a market economy, from food shortages and housing shortages at the beginning to abundant food and clothing and happiness for the people. People who came over in the 70s are generally more able to endure hardships, and their psychological state is stable and strong.
From the perspective of health status, the post-70s generation is not so optimistic. As you grow older, even if your physical fitness is good, you will inevitably feel that the years are unforgiving.
People in this age group are about 40 to 50 years old, including but not limited to cardiovascular and cerebrovascular diseases, diabetes, obesity and other chronic diseases will come to the door, making people feel powerless.
Especially people who have been working at high pressure when they were young, they fell into the root of the disease when they were young, and when they wanted to be treated, they realized that they were powerless.
Finally, looking at social relations, I found that the pressure of the post-70s generation is not ordinary. When people reach middle age, many post-70s generations are often old and young.
On the one hand, the children have just entered the society or are still in school, and they have no savings, and on the other hand, the parents are old and need to get money for various surgeries. Once something goes wrong with you, the only person you can rely on in social relations is yourself, only friends of the same age.
Of course, there are many other factors that affect a person's life status, such as marriage, such as children's achievements, etc., and these factors affect a person's life status in a comprehensive way.
The life of the post-70s generation can almost be described in one word, that is, suffering. It's about to retire and it's not going to be able to retire.
People are always born different, and there has never been a fixed calculation method for how the salary of the post-70s retirement is sufficient, and the retirement age should be 60 years old according to the regulations.
But no one knows if it will happen to them if they are unemployed in middle age.
However, the passing mark refers to the average levelJust considering the indicators of the vast majority of people, it can still be calculated.
According to the National Bureau of Statistics, in 2023,The per capita consumption expenditure of residents in the country was 26,796 yuan, of which food and housing accounted for 29 respectively8% and 227%, 7983 and 6095 yuan, respectively.
At this time, for most middle-aged people, they should not worry about the house to live in, so they can subtract the house. In this way, if housing is not considered, the per capita should be 20701, almost 2w a year.
After that, let's calculate how many years we have to live after retirement. According to data over the years, the average life expectancy of Chinese has been steadily increasing, reaching 78 in 20212 years old. According to the retirement of 60, there are almost 20 years to live on the money saved before.
Of course, we can't make such a tight calculation, after all, since it is a preparation, of course, it is necessary to calculate according to the many. Then we estimate that we will live to be 90 years old, so we will have to prepare 30 years of money. That's 600,000.
However, this is in the case of a major illness that has been ruled out. However, according to the data, chronic diseases such as heart disease, cerebrovascular disease and malignant tumors have a very high morbidity and mortality rate in adults over 50 years of age.
Leaving aside the more serious cardiovascular disease, the prevalence of diabetes is 28 in the 60-69 age group8%。According to incomplete statistics,More than 30% of the elderly in China suffer from diabetes. Even in recent years, such chronic diseases have shown a trend of younger people.
Type 2 diabetes accounts for more than 90% of the diabetic population, and if patients only use hypoglycemic drugs, such as metformin, the monthly cost may range from a few hundred yuan, to about 6,000 yuan a year. If the patient has complications, it also needs to be combined with other drugs, and the annual cost is about 15,000 yuan. Sadly, most people with diabetes have complications.
In addition, due to factors such as the continuous expansion of consumption scale and the continuous improvement of consumption structure, China's consumption level has maintained a steady growth trend in the past ten years, except for the epidemic yearsThe level of consumption in the future will only get higher and higher.
Coupled with various factors, there are only 600,000, which is far from the passing line. At the very least, there must be 800,000 to bear the possible risks and resistance.
Of course, it is not very popular just according to the per capita level, so we will calculate the pension funds required for the retirement of the post-70s in urban areas and the pension funds required for the post-70s in rural areas.
Taking the urban population as an example, the per capita consumption expenditure of urban residents in 23 years was 32,994 yuanAccording to the end of life at the age of 90, it is almost 900,000, plus the money used to prevent major accidents, it is 1.1 million.
Taking the rural population as an example, the per capita disposable income of rural residents in 23 years has reached 21,691 yuan, and according to the death of 90 years old, plus the money used to prevent accidents, it is 800,000 yuan.
However, the above calculation is the amount of money needed if you do not pay insurance, do not pay pension, and have nothing to rely on.
Of course, when other influencing factors such as pensions and major accident insurance are included, the situation may be different.
You can do the math yourself, with your pension, regardless of illness and accidents, have you reached the passing line of 600,000?
When someone hears the 60w**, they can't help but be secretly proud, and they are not worried. Some people also heard 60w, not only blaming themselves for being too uncompetitive.
Of course, don't be satisfied with the former, don't panic with the latter, you go on to look down, there are always more ways to make money than difficulties!
This is divided into two aspects, pre-retirement and post-retirement.
Before you retire, you are still young, work hard, keep learning, improve your personal abilities, and there is always a chance to skip another level. Even if there is no hope of promotion, learn to break new ground, and you may find a track that suits youEven if you can't lead an industry, you can achieve the most beautiful sunset, and it also lays the foundation for re-employment after retirement.
At the same time, according to your own situation and needs, control daily expenses, and make a reasonable savings plan. Streamlining expenses is the only way to see the meaning of persistence in the savings of a pen.
Of course, in addition to reducing expenditure, you can also make money through financial management, deposit interest income and other means, so that money can make money and create passive income.
After retirement, you can also refuse to accept old age and return to work.
You can consider according to your professional skills, hobbies, physical condition and social needs, etc., and the common ones are as follows:
The first is education, training and consulting. Compared with young people who have just entered the market, many elderly people have a wealth of knowledge and experience, and it is a good choice to use this knowledge and experience to make money, conduct education and training, and provide professional advice and guidance to enterprises or individuals.
The second is part-time work. As you are older, you can not keep up with the previous high-intensity work, you can also choose to do some part-time jobs, such as retailers, domestic services, temporary workers, etc., which can not only flexibly adjust the working hours and intensity, but also earn money to support the family.
In addition, in the post-pandemic era, remote work is becoming more and more popular, and providing services such as translation, writing, and design through the Internet has also become a new way to work part-time.
The third is entrepreneurship. Perhaps in order to realize the regrets of their youth, some elderly people choose to start a business, open their own small shop or provide some kind of service, and they can still thrive.
Therefore, it is necessary to either plan more when you are young and save this pension in advance, or you can re-employ when you are old. Of course, either one will allow you to reach the passing mark and enjoy your retirement.