Raising children and preventing old age: Is your pension ready? Let's talk about our future pension issues. Have you ever wondered what we live on when we are old and don't have the strength and energy of our youth? Do you often hear the saying "raising children to prevent old age"? But can raising children really prevent aging?
I want to pour cold water on everyone, that is, the road of raising children to prevent old age may not be so reliable in modern society. The reason is simple, we cannot rely on children to take care of us endlessly, they also have their own lives and responsibilities. Moreover, children nowadays have a stressful life, and they may not have enough time and energy to take care of us. Therefore, we need to find other ways to provide for the elderly.
How do we care for the elderly? Professionals tell us that saving enough for a pension is the key! So, how much does this adequate pension need? According to statistics, after the age of 60, a monthly pension of at least about 5,000 yuan is needed to maintain the basic quality of life. Considering inflation and other factors, we may need to prepare at least 800,000 yuan or so to ensure a decent retirement life.
So, how do you save up to that amount? Here are some practical tips:
1. Do a good job of financial planning.
First of all, we need to make a reasonable financial plan, including investment, savings, insurance, etc. Choose an investment method that suits you according to your risk tolerance and return goals. At the same time, it is necessary to avoid blindly pursuing high returns and ignoring risks.
2. Save money.
It is necessary to develop a good habit of saving money and reduce unnecessary consumption. You can create a budget table that lists your monthly expenses to identify unnecessary expenses and adjust them. At the same time, we must learn to consume rationally and avoid impulse purchases.
3. Increase revenue**.
In addition to financial planning, we can also increase our pension by increasing our income**. For example, you can find a part-time job, do a part-time business, etc. In addition, we can also use our expertise or skills to open **, live broadcasts, etc. to increase revenue.
4. Participate in endowment insurance.
It is very important to participate in pension insurance. Pension insurance can not only help us get a stable pension, but also provide some protection when we are sick or lose the ability to work. We can choose the pension insurance product that suits us and choose according to our financial situation and needs.
5. Rational use of social resources.
In addition to the above points, we can also make reasonable use of social resources to improve our pension level. For example, you can participate in community volunteers, volunteer services and other activities to accumulate social experience and obtain certain rewards and subsidies. In addition, you can also pay attention to some preferential policies related to the elderly, such as travel discounts, shopping discounts, etc.
Of course, it is not easy to save enough 800,000 yuan, which requires our persistent efforts and wisdom. But don't worry, as long as we continue to learn and explore, find a way to manage our money and increase income, I believe we will be able to achieve this goal! How do you prepare for your pension? Do you have any good financial advice or ways to increase your income? Everyone is welcome to leave a message! Let's work together on how to better plan our future and achieve a decent retirement life!