Stay-at-home mom, it's hard

The author | Jia Lijuan

"This era is very demanding of women,

If you choose to be a working woman, some people will say that you are a bad mother who ignores your family;

If you choose to become a stay-at-home mother, some people will feel that having children is a woman's duty, not a profession. ”

—— Lines from the movie "Find You"

Being a mom is really not easy. In particular, stay-at-home moms.

In fact, it doesn't matter what others think, but women's disapproval of self-worth is the sadder thing.

I often encounter women who choose to become stay-at-home moms (even temporarily) automatically reduce their love for themselves.

Even when buying insurance, you must give priority to your husband and children, and put yourself in the end:

"Wait a minute, buy them first."

"My husband doesn't agree with me buying a pension, so I'll talk about it later."

Does the insurance for stay-at-home moms really have to be put to the end?

1

The meaning of family support

When it comes to family pillars, especially those where women are stay-at-home moms, family pillars naturally refer to "dads."

However, the pillar of a family should not only have an "economic pillar", but also an "emotional pillar". Dad is the breadwinner, and stay-at-home mom is that emotional pillar.

If nothing else, how many dads can be deeply involved in educating children? There is an article that said that before it was an era of "spelling daddy", now it is an era of "spelling mother". What picture books, ancient poems, Olympic numbers, English, musical instruments, swimming, ball games... What doesn't require energy?

On the way to accompany the baby, the efforts of the middle-aged mother know, God knows, you know.

Most mothers choose to stay full-time, which is also a helpless move:

The elderly are not in good health and have outdated parenting concepts, so they can only do it themselves;

The child is still young, and it is really not at ease to let go of the nursery;

Good nannies are hard to find, there are many negative news, and I am worried that my children will be wronged...

With the change of policy, in the future, more and more families in China will enter the scale of two or even three children, and there will be more and more full-time mothers.

In such a family, isn't stay-at-home mom a pillar?

2

Stay-at-Home Mom Buys Insurance:

Positioning is equivalent to a child?

If you start from the principle of insurance purely, insurance covers the cash flow of a family, and the stay-at-home mother does not seem to provide cash flow, so there is no need for compensation. Therefore, she only needs medical treatment, accident and other protection.

Such a positioning is about equal to the children in the family. Because there is no financial liability, there is no need for life insurance, not even major illness insurance?

I thought, no.

If the mistress of a family is at risk, how much will the functioning of the whole family be affected? The extra expenses of not having children to take care of, the decline in income caused by the husband's adjustment of the pace of work...

Staying at home is actually a very, very rewarding job.

We used to feel that stay-at-home moms weren't making money, so they contributed very little to the family's finances. However, with the increasing recognition of the concept of "labor cost", all the contributions of stay-at-home mothers to the family can actually be converted into money.

Like what:

Stay-at-home mom = housekeeping manager + babysitter with children + tutor + financial advisor

Just assessing the salary standard of a "nanny with children", according to the consumption level of different cities in China, I am afraid that between 5,000 and 10,000 per month is not outrageous. The rest should be given away.

According to the minimum standard of 5,000 yuan / month, if from the birth of the child, 0 years old to 18 years old, the job will last for 18 years. Therefore, the life insurance protection of full-time mothers should be 5000 * 12 * 18 = 1.08 million yuan.

As for the protection of serious illness insurance, it should also be at least 5,000 * 12 * 5 (5 years of serious illness recovery period) = 300,000 yuan, plus nutrition costs, nursing fees, off-site medical expenses, spouse work impact, etc., 500,000 is already a more conservative figure.

3

The "unknown cost" that brings anxiety

In these years, not only are stay-at-home mothers not safe enough, but in the whole society, people's sense of security is getting worse and worse.

How can I reduce my insecurities and anxiety?

In fact, our anxiety, in addition to not making enough money and not having a high position, there is also one point: the unknown cost is too large.

What is the unknown cost?

The cost of buying a house and a car is not an unknown cost, these are within our control, the cost of abundance and frugality by people.

The cost of getting sick is an unknown cost. You can't bargain with the hospital, and you can't get a discount on your own medicine after you leave the hospital... These costs may test our wallets, and more likely to test the humanity of our families.

If there is a medical insurance + a major illness insurance, whether it is in the hospital or outside the hospital, the insurance company will pay a sum of money to cover our losses.

With insurance, there is no need to test human nature.

Don't test human nature.

4

The sense of security of stay-at-home moms,

Where did it come from?

There is also an unknown cost that many people may not have thought about.

That is: the cost of old age.

No one can predict their lifespan, and no one knows exactly how much pension they need to be enough.

Originally prepared to 85 years old pension, but lived to 95 years old, should we be happy or sad?

As a profession with no nine-to-five, no weekend breaks, no holidays, no year-end bonuses, and even no social insurance, the economic risk exposure of stay-at-home mothers is actually very large.

Economically, what full-time mothers can grasp is often limited, especially in the case of Mr. Business and Business, full-time mothers may not be very clear about the flow of funds in Mr. Company.

Once the relationship between the two parties has problems, or even the marriage is broken, at this time, the economic status of the two parties is not equal. The husband may earn millions of dollars a year, or the company may enter the gold every day, and the full-time mother re-enters the workplace, it is likely that the monthly salary is only a few thousand, and it has to start from the grassroots level.

In many countries, the economically strong side is required to continue to pay alimony to the weaker party, and the former German chancellor has been divorced several times, and the alimony to several ex-wives is almost impossible to pay.

But in our country, there is no such provision. What about stay-at-home moms if the husband doesn't pay enough child support? Not to mention, maintenance may only be paid until the child is 18 or 22 years old, and then for long years, especially after old age, where does the cost of living come from?

The insecurity of stay-at-home mothers often lies in this: after years of hard work, once the marriage is out of shape, they have nothing!

How to deal with this insecurity?

There's money in your pocket.

If you can plan a sum of money for yourself when you are young and "write your own name", live to be old, get old, and no one can take it, will you have enough confidence?

For stay-at-home mothers, I would seriously suggest that after the protection is done, it must be necessary to allocate a copy of the money that "writes your name" to yourself.

For example, the following:

Live to be old, get old.

Constant cash flow.

All the numbers are certain.

It's an income that you don't have to worry about. Don't worry about how to collect rent for rental properties and whether the rent is stable; don't worry about whether the investment is stable, what to do in case of losses.

It's a "write your name" income. The insurance company will call the account on an annual or monthly basis as agreed. Spend as much as you want.

It's a steady stream of revenue. Even if this year for some reason, the money is accidentally gone, the next year, it will hit the account rain or shine, do not have to worry about no money.

This sense of security, in fact, many people want. But some mothers, because they are not making money, are embarrassed to open their mouths to their husbands; or their husbands think it is unnecessary, "I raise you!" ”

Every time I hear this, I feel a little sad. When you are most willing to open your mouth when you have contributed the most to your family, when will you be embarrassed to open your mouth in the future? Since you are willing to support you in the future, why not buy a pension for you now to make you feel more secure?

After all......

Love can bring security;

Money, too.

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