Hi everyone, I'm Xiao Zen
During the Spring Festival, everyone finally has plenty of time, and friends who have not seen each other for a long time can also take the opportunity to get together.
Xiao Chan and a few good friends have a rare reunion today, everyone chatted very highly, friends are born in 1968-1973, several of them have been retired, received pensions, the topic naturally revolves around retirement.
Friend A said: She retired last month, has 32 years of service, and her pension is more than 2,900 yuan.
Xiao Zen was very surprised, thinking that such a long working experience is more than 3,000.
Friend B explained to me that it is difficult to get a pension of 3,000 yuan for a private company, and her classmate retired at the age of 50 with 30 years of service, and the pension is less than 3,000 yuan.
Friend C said: Her brother retired last year, with 22 years of service and a pension of 1,870 yuan, and her colleague retired last year, with a pension of only 1,280 yuan for 15 years.
Friends went on to say: Pension is just to keep you alive, not to make you eat well, it's like heating in a heating company, it's not to keep you cold, not to make you hot.
The pension is actually a guaranteed salary, and you have to retire and continue to go out to earn money.
A friend's words made Xiao Zen fall into deep thought, Xiao Zen is a flexible employment person, there are 5 years before retirement, how to use these 5 years to accumulate pension money for yourself?
01. Make a pension plan.
Xiao Zen's sense of professional crisis is getting stronger and stronger, and he always thought that he would work in the same company until he was old, but the reality is always a slap in the face, and Xiao Zen has changed by now.
After four or five jobs, it can only be a good wish to work until retirement.
Especially as I get older, I feel more and more that my physical strength is exhausted, my earning ability is slowly declining, and I am marginalized in the unit, so I must make a retirement plan for myself as soon as possible.
Only by clarifying the goal and determining the amount of savings, Xiao Zen believes that as long as he sticks to the plan, he can achieve his wish.
02. Rational consumption.
Consumption traps are everywhere, the poorer you are, the more you love to buy, now is the time to think about what you really need, and what you want.
Spending wisely is not just about saving money, it's about living better.
Learn to subtract from life, restrain impulsive spending, and ask yourself "Do I like it?" a few times when shopping? Do I really need it? Can I afford it? ”
Only by being careful can you save more money into your pension account.
03. Increase revenue channels.
If you only rely on this meager salary and have no additional income, then the road to saving money for retirement will be very long.
So Xiao Zen thought about how he could increase his income in his spare time, and found that his strength was that he liked to write something, so he opened a *** as his side business, and slowly developed, so that he could have a diversified income after retirement.
Of course, we can also learn some financial knowledge, invest and manage money on a stable basis, and increase our income.
04. Live with your retirement salary.
Because now I have a salary income much higher than my pension every month, I don't feel the embarrassment of living with only a pension.
From now on, you can spend only 3,000 per month on your pension and put the rest into your pension account.
It's also a reminder to pay more attention to your finances, so that you can live the life you want when you retire.
Write at the end. Saving money is actually to save a confidence and courage for your future.
In 2024, I hope that friends who are still 5 years away from retirement like Xiao Zen can accumulate good pension money for themselves from now on, work hard towards the results they want, and their old age will be as you wish.