As the sun sets, the afterglow falls on the greenery of the park, creating a quiet and warm picture. Lao Zhang sat alone on a park bench, his eyes deep and confused, his thoughts flying, and from time to time he looked at the children playing not far away, thinking distractedly about the fact that he was about to enter old age. In a few years, he will usher in the retirement time of his life, which once made him look forward to and longing for a lot, but now he feels lost and lost.
When he thinks of his upcoming retirement, Lao Zhang's heart is always filled with all kinds of emotions, including nostalgia for the old life, anticipation for the new life, anxiety about the future, and fear of the unknown. He couldn't help but start thinking about how he was going to face his life in the future, how he was going to find his new value and meaning, how he was going to handle his pension and assets, and how he was going to keep in touch with his old friends and family.
Lao Zhang's retirement life is full of challenges and opportunities, and he needs to plan and prepare well. On the other hand, there are always some doubts and troubles in Lao Zhang's heart. How will retirement change? Can you really adapt to such a rhythm of life? As he grew older, he became more aware of the ruthlessness of the years and the difficulty of life.
At the same time, Lao Zhang also has a trace of worry in his heart, for him, is the pension enough to cover the living expenses? Does he want to accumulate some savings in advance in case he needs them? What if one day there is not enough money to spend? These questions plagued Lao Zhang and made him fall into an ambivalent psychological state.
Lao Zhang deeply understands that the cost of life is by no means static, and it may change due to changes in health conditions, children's needs, loans or interest and other factors, which may expand the original budget expenses and face great pressure. If you don't have savings, you may not be able to cover these extra expenses by relying solely on your monthly pension, leaving your retirement life in a difficult situation.
Therefore, saving is an important measure to protect our retirement life, so that we can have a certain ability to cope with various changes in life. The afterglow of the setting sun fell on Lao Zhang's old face, making him even more haggard and old. Seeing this situation, Lao Zhang couldn't help but sigh deeply, he knew that he had entered old age and should be fully prepared for his old age.
Therefore, Lao Zhang made up his mind to face life positively from now on, and strive to adjust his mentality to make his retirement life carefree. Lao Zhang has always believed that as long as he conceives in advance and makes all careful arrangements, he will be able to spend a golden old age.
In order to be able to more accurately calculate the funds needed for life after retirement, Lao Zhang deliberately took a day off and arranged all this in an orderly manner. He thinks slowly at home, taking into account the spending of each member of the family, as well as unexpected expenses that may occur in the future, and even inflation. In the end, after repeated calculations and thoughts, he finally came up with a result that was in line with his personal situation, and he felt more confident in his heart.
Before starting a new retirement life, he first laid out a detailed retirement life schedule for himself, which not only covered daily food, drink, housing and transportation, but also included his diversified needs such as travel, sports, and cultural activities. He is full of wisdom in his timing, and carefully plans everything to a specific time period so that he can complete his various plans in an orderly manner.
Lao Zhang carefully estimated the amount of fixed expenses such as food, drink, daily necessities, rent, and transportation, and finally determined that he would need about 5,000 yuan per month. In addition to daily expenses, irregular expenses such as travel and medical treatment also need to set aside a certain amount of reserves to cope with sudden expenses and prevent insufficient funds.
Lao Zhang made a detailed comparative analysis of his recent income and expenditure, and finally came to a conclusion that shocked him: relying only on a pension of two or three thousand yuan a month is completely insufficient. Lao Zhang used to be a budget-conscious man, he painstakingly calculated every expenditure, but to his helplessness, his income simply could not match his expenses.
He was frustrated, but there was nothing he could do. He felt trapped in this financial predicament, from which no matter how hard he tried, he could not get out of it. He couldn't help but turn his back and look at the empty room and sighed deeply he knew he had to find a solution or he wouldn't be able to continue but what he didn't know was.
The predicament he faced was not just a personal problem for him, but a problem for the entire socio-economic environment. At that time, a ray of sunlight filtered through the window and spilled onto the table, and the whole room was lit up. Outside, the sound of children frolicking, laughter is crisp, as if it can penetrate people's souls. Grandpa Zhang's heart was full of relief when he heard the children's laughter, and he turned around, a trace of determination flashed in his eyes.
At the weekend party, Lao Zhang and Xiao Wang were talking about life on a park bench, and suddenly Lao Zhang began to talk about his troubles about retirement funds, hoping that Xiao Wang could give some advice. Seeing Lao Zhang like this, Xiao Wang understood his worries very much, so he quietly listened to Lao Zhang's confession.
Xiao Wang began to suggest that Lao Zhang reconsider the necessary expenses for retirement, and told Lao Zhang that he could actually appropriately reduce some of the standards of food, clothing, and housing, and live a relatively simple life. For example, in terms of diet, you can minimize the number of times you eat out, or choose cheaper ingredients and cooking methods, and in terms of clothing, you can also choose some clothes of good quality but relatively cheap.
Or simply buy some second-hand items, which can meet your needs and save money. In addition, in terms of accommodation, you can also consider choosing some more affordable ways to live, such as choosing to rent a cheaper house, or sharing a house with other retirees, which can also save some expenses, and in daily life, you can also minimize some unnecessary expenses.
For example, you can try to avoid buying some more expensive consumer goods, or choose some more affordable shopping places, which can also save some expenses.
In this way, you can also save part of the medical expenses in terms of transportation, and you can also try to choose some more affordable modes of transportation, such as you can choose public transportation, or walking or cycling, which can also save some transportation costs.
You can also live a happier and more comfortable retirement. Xiao Wang carefully analyzed the various external factors that affect retirement expenses, such as the financial independence of children, whether there are parents who need to be supported, and the physical health of him and his spouse, etc., which will directly affect their retirement savings needs, and may even affect their entire retirement life.
In the end, after a detailed analysis of the current society's retirement policy and future economic development trends, Xiao Wang put forward a pertinent and constructive suggestion to Lao Zhang: extend the retirement time appropriately, so that he has more time to accumulate more income, so as to make his retirement life more stable and comfortable.
Xiao Wang mentioned that the retirement policy of the current society is often based on the socio-economic situation of the past few decades, and the current situation has changed dramatically. With the continuous progress of science and technology and the development of social economy, more new forms of work and economic models may emerge in the future, which will provide people with more opportunities to make money.
Xiao Wang suggested that Lao Zhang can accumulate more funds before retirement, or engage in some light part-time jobs after retirement, so as to increase his income** and make his retirement life richer and more comfortable.
After listening to Xiao Wang's suggestion, Lao Zhang suddenly felt an unprecedented sense of enlightenment, and the questions about retirement life that had been bothering him seemed to have been answered. He finally understood that retirement life is not necessarily about pursuing an excessively high material standard of living, but about focusing on the control and planning of one's own life, and trying to maintain a balance between income and expenditure, which is the most important thing.
As a retired employee, Lao Zhang is well aware of the importance and urgency of saving. In order to provide security for his later life, Lao Zhang decided to develop a savings plan suitable for his actual life, and through careful consideration and rational analysis, Lao Zhang will carefully accumulate funds for his retirement life. Lao Zhang shook Xiao Wang's hand when he parted, expressing his gratitude to his old friend for his great inspiration, which made him look forward to his retirement life.
The weekend exchange allowed Lao Zhang to find a way to adjust his mentality. He realized that he shouldn't expect too much from retirement, but rather live a life he can afford. Lao Zhang reassessed the family's real income. He and his wife both have some savings, and their daughter's jobs are relatively stable, so they don't have too many burdens to carry in their daily lives.
Taking these factors into consideration, Lao Zhang has developed a more realistic retirement savings plan. He decided to save up to 200,000 yuan for emergency medical treatment**, and then he could save a certain amount every month to meet his daily needs. At the same time, Lao Zhang will continue to work for a period of time, in order to increase his income and reach a relatively abundant level.
He adjusted his mentality, no longer deliberately calculating the so-called "sufficient" number, but was at ease with the situation, actively coping with all possible variables. The new deposit program has brought spiritual relief to Lao Zhang. He began to actively envision a simple retirement, such as cooking and growing vegetables. As long as his family is together, he feels that money is not the most important thing.
Lao Zhang firmly believes that as long as he goes all out, he will be able to usher in a stable retirement. In order to prepare for his pension, Lao Zhang began to live a frugal life. He plans in more detail to make sure every expense is within reason. Breakfast is enough for just two slices of toast, lunch is served in the company cafeteria, and in the evening I eat a simple home-cooked meal with my wife.
Try to wear existing clothes, and household items should also be repaired and reused instead of buying new ones frequently. Lao Zhang was frugal, deposited every penny he saved in the bank, and watched the account balance gradually increase, and a warm sense of satisfaction swelled in his heart. Lao Zhang occasionally treats himself, such as going for a walk in the park with his wife and cooking a good meal on the weekend. Proper relaxation makes him feel that life is still colorful.
On the last day of retirement, Lao Zhang excitedly handed over his work permit. He knows that his efforts have not been in vain, and the savings brought by his simple life will make him carefree after retirement. When Lao Zhang walked into the house with a small bag, his wife's warm embrace made him feel gratified. He thought to himself that this was the happy time he had always longed for. After retiring, Lao Zhang lived a plain and regular life.
Every morning, Lao Zhang would go to the community room to participate in the fitness dance for the elderly. The brisk ** and simple dance steps trained his physical coordination. At noon, after he and his wife have lunch at home, they will take a nap together. Every afternoon, Lao Zhang will spend some time reading books, writing articles, or watching a few episodes of dramas. After dinner, the couple would choose to go out for a walk and chat as they walked.
Lao Zhang occasionally participates in community volunteer activities to help those in need, and in doing so, his life has become more meaningful. At the same time, he also used his expertise to run a series of interest classes for children and teach them some manual skills.
Lao Zhang's income and expenditure have always remained relatively balanced, and his savings have also increased steadily. The monthly pension plus the interest on his savings made his living conditions not difficult. Looking at the clear sky, Lao Zhang was relieved by his original decision, because it allowed him to live a rich old age.
He believes that as long as you actively follow the rules and spend money moderately, the ** era will continue forever.