Become a veteran reader of Thousands of Miles Floating:Click on the menu bar in the upper right corner of the upper right corner to set it as a star, and readers on other platforms should pay attention to "Floating Thousand Miles".
Everyone wants to retire early, preferably at the age of 35, and then get a pension. But this is only a vision, it will not become a reality, at least not in the next few decades.
In fact, not only will there be no early retirement, but it is also likely that retirement will be delayed.
If there is enough money in the pension account, then it is possible for everyone to retire early, if the pension account is not enough, or even lack of money, then it can only delay retirement.
Many people have not thought carefully about the matter of paying social security. Everyone always thinks that a large part of social security is paid by the company for employees, and the remaining small part is paid by themselves. In fact, all social security is the remuneration of employees.
For example, if a person's pre-tax income is 8,000 yuan, then what he really gets after tax is about 6,500 yuan, and the company may spend a total of about 11,000 yuan for the employee, and the other 3,000 yuan is the five insurances and one housing fund paid to the employee. If you don't need to pay social security, then the employee's actual pre-tax salary is 11,000 yuan, and it will be his own after paying the individual tax.
And there are a lot of twists and turns, social security is divided into personal accounts and overall accounts, only the social security paid by employees only enter the personal account, and the part paid by the company goes into the overall account.
The point here is that many young people are going out to work, and after a few years, they need to go back to their hometown provincial capital or county seat, at this timeThe only thing that can be taken away across provinces is the balance of the personal account, and the money in the overall account has nothing to do with you
When calculating the retirement pension, it is calculated according to the combination of individual accounts and pooled accounts, including the number of years of contributions. The role of the pooled account is greater than that of the individual account, and the pooled account is one of the key factors that determine the level of retirement salary.
If two people who have paid the same number of years and have the same salary retire in Shanghai and Xinjiang respectively, then the retirement salary of a person who has worked in Shanghai for a lifetime and retired will be higher than that of a person who has worked in Xinjiang for a lifetime. That's where pooled accounts come in.
But the problem is that now there is no money in the pooled account, not only in a certain province, but in everyone's pooled account.
Now you can only borrow money from your personal account, borrow the money from your personal account into a pooled account, and then give pensions to those who are now retired.
In other words, you may be supporting someone else's parents right now, and other people's parents still think that this is the income of their labor, and this is rightly so.
And it is more likely that those young people whose parents are farmers go to first-tier cities to work overtime and stay up late to pay social security, and as a result, they are supporting their parents for others, and their parents can't get a pension at all, because farmers don't have a pension, at most only a few hundred yuan a year.
How long you can play this game depends on how many people join the game in the future. If the number of births does not increase, it is impossible to have so many people, and the game of pension will not be able to be played.
That is to say, today's young people pay social security to support this generation of old people, and when this generation of young people get old, if there are not enough young people to pay social security to support them, then they can only delay retirement.
This is a game of drumming and passing flowers, passed to **count**. Whether you want to delay your retirement in the future, or if you can't get enough pension, people can say that it's all your fault, who let you not give birth to a few more leeks when you were young, you see, now not so many people pay social security to pay you pensions.
This matter is actually unsolvable, at least for the common people. People have always thought that how much social security they have paid, it is in their own accounts, and they can rely on this part of the money to retire in the future.
In fact, the day I retire, everything may change.
In other words, when I was young, I helped others support my parents, and when I got old, not only did I have no other people's children to support me, but even the little money I paid back then was gone.
end - Follow me to take you to insight into human nature, see through the laws of life, and face life calmly.