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My cousin Li Xiaomei is 5 years older than me, and we have had a good relationship since we were children. She took special care of me and often bought me snacks and toys. Although she is older than me, she is more like a real sister.
Ten years ago, I started working and my cousin was only 25 years old, but she was already planning for the future. One day she called me out of the blue, and her tone was a little excited:
"Xiao Wang, I have an idea, let's buy social security together!"
I was a little confused when I heard this: "Social security? What social security?"
My cousin explained: "It's endowment insurance! In recent years, the state has been promoting, and you can receive a pension after retirement, and you don't have to worry about the source of livelihood." I plan to pay 1,000 yuan a month, and if you also pay this amount, you will have retirement income in the future. ”
I thought my cousin's idea was ridiculous, and immediately retorted: "Pension insurance? That's a matter of the state, and it has nothing to do with me." I'm just working, I'm still young, and retirement is too far away, isn't it a waste of money to pay insurance premiums?"
The cousin said patiently: "Xiao Wang, if you don't pay it now, you will regret it later." Buy insurance as soon as possible, so that it is cost-effective and you can rest assured of the future. I don't want you to pay a lot every month, just pay 1,000 yuan, and you can take it out with your current income. It's really important to us. ”
I still think my cousin's idea is too naïve and unrealistic. I said a little impatiently, "Come on, cousin, you're only 25 years old, and you're thinking about retirement?" Now my monthly income is only 3,000 yuan, and I pay 1,000 yuan in insurance premiums, how can I live?"
When my cousin saw that I was so resistant, she didn't force it, so she said, "Think about it again, it's really important for our future." I'll buy it first, and then join when you figure it out. ”
I think my cousin is simply stupid to believe in that set of pension insurance statements. I firmly believe that pensions or anything are fundamentally a matter of the state, and have nothing to do with me personally. My own money, I spend it most realistically. My cousin's idea is so unrealistic, it's just self-inflicted.
After that, my cousin didn't mention it again, but she often cared about my life and work. I think she was just too naïve and didn't listen to any of my advice. I believe in my own vision, social security or something, and it really has nothing to do with me.
One day, 10 years later, I suddenly received a call from my cousin.
"Xiao Wang, how are you doing lately?" My cousin's voice was as gentle as ever.
"That's it. I said perfunctorily.
Actually, I've not been living very well lately. The company laid off employees, I lost my job, and my savings were almost gone. To make matters worse, my father was seriously ill and needed major surgery, and the family had huge expenses. I was stressed out but didn't want my cousin to worry, so I didn't tell the truth.
My cousin seemed to see my concealment, and said with concern, "Is there something wrong?" ”
When my cousin heard this, she was also very anxious: "Why are you so unlucky! How much money do you need? I have some savings, so I can lend it to you first." Don't worry about medical expenses, I'll help you figure it out. ”
"Thank you, cousin, but I don't want to drag you down. I'll figure it out myself. I said.
My cousin said resolutely, "Of course we have to help each other when we are in trouble." I'm in good condition now, so you're welcome. By the way, did you buy pension insurance? I didn't let you buy it before. ”
When I mentioned the social security incident back then, I felt very remorseful and blamed myself. I didn't listen to my cousin's advice, and now I'm in trouble but I don't know what to do. I said dejectedly, "No, I didn't listen to you back then, and now I regret it." If I had heard that you had bought social security back then, my life would definitely not be so poor now. ”
My cousin comforted me: "Don't blame yourself, you were young back then, and now you still have time to remedy it." I'll do the math for you, start paying now, and you can get a certain amount when you retire in the future. Let's take a long-term plan, shall we?"
It dawned on me how correct and far-sighted my cousin's advice was. I was short-sighted at the time, but now I understand the importance of social security. I said gratefully, "Cousin, I'm sorry, I shouldn't have laughed at your suggestion back then. I now finally understand your good intentions. I will definitely buy the insurance again, and I will definitely listen to you in the future and not repeat the mistake. ”
My cousin said happily: "Haha, you finally understand! I saw the value of social security back then, but you didn't listen to persuasion." But it's not too late to change your mistakes, let's work together!"
I am very touched by the care my cousin has always taken care of. At the time, I had no one in my eyes, but now I have finally grown up. I was determined to listen to my cousin's advice and take responsibility for my own future.
With the help of my cousin, I re-purchased my pension insurance from the insurance company. My cousin also helped me check a lot of information and calculate various pension schemes. She patiently explained to me:
"You see, buy term insurance now, pay 1,000 yuan a month, and you can receive a pension after retirement. The amount is not high, but it can be used with other income. The most important thing is to be prepared and not wait until you are old to get busy. ”
I listened to it with relish and finally understood the importance of pension insurance. I said with emotion: "Cousin, you saw far back then, I was really short-sighted. This pension amount seems to be a lot of money, and it will be settled when you retire in the future. Thanks to you for reminding me that I will stick to the payment this time. ”
My cousin said happily, "Haha, you're finally mature! I saw this back then, but you didn't listen to it." However, people always have to go through a little wind and rain to grow. You've become very rational now, and I'm relieved. ”
I was a little embarrassed, but I was also very emotional. I'm really glad that my cousin still cared so much about me, even though I was so disobedient back then. I said from the bottom of my heart, "Cousin, I really thank you so much. I was so naïve and unsightly. It's good that you continue to help me regardless of your past suspicions. I will definitely keep this lesson in mind. ”
My cousin smiled and said, "We are family, so we don't have to be so polite." You've helped me a lot, too. In the future, we just need to care for each other. ”
I nodded, and once again sighed that it was my great fortune to have such a confidant as my cousin by my side.
In this way, with the help of my cousin, I gradually got out of the predicament. My father had a successful operation and his health was getting better day by day. I also found a new job. My cousin called me from time to time to care for me, and it also made me reflect on my thoughts often.
One day, my cousin suddenly said, "By the way, do you know, I also helped you pay part of the pension insurance premiums back then!"
I was surprised and said, "What? You paid my insurance premium? How can this be?"
My cousin smiled and said, "I thought you would definitely regret it, so I helped you pay a part of it, just in case you need it." Isn't that going to come in handy now?"
I was almost moved to cry: "Cousin, you are so good. I was so immature back then, and you still took care of me and helped me in every detail. I'll never be able to repay this kindness. ”
My cousin said happily, "Haha, we are a family, so we don't have to see each other like this." You just have to take care of yourself in the future. ”
I nodded heartily. I will keep my cousin's love in my heart and repay her with practical actions.
I started to plan my future in earnest. My cousin also helped me calculate various pension and social security combinations. She said to me seriously: "You are still young, you can choose a higher premium, and in the future there will be more pensions." I've done the math for you, and you'll see which plan is more suitable. ”
I carefully chose an endowment insurance with a higher premium, and I was determined to stick to the payment for a long time. I said, "Cousin, I will definitely persevere this time and take responsibility for my own future." In the future, you won't have to pay a penny of my pension insurance premiums, just let me bear it myself. ”
My cousin smiled and said, "Okay, I'll be relieved when you grow up." I will continue to care about your life and planning in the future. If there is any need, open your mouth though. ”
I said gratefully, "Thank you, cousin. I will report back to you on my plans regularly, and please remind me at any time not to repeat the mistakes of the past. ”
"Okay, that's right. Let's work together!" My cousin said happily.
I started working hard and gave my parents some money on a regular basis to make their lives easier. My cousin called me from time to time to care about my current situation and reminded me to save money and not to spend extravagantly.
Once, my cousin said to me solemnly, "I heard that you have been hanging out with friends a lot lately, and you are still going to bars?
I was a little ashamed and said, "Thank you cousin for reminding me that I really shouldn't always go to the bar." I will reflect on myself, and I will definitely pay attention to proportions in the future. ”
My cousin said with satisfaction: "It's normal for young people to have fun, but only in moderation. Remember that you have your family and your future on your shoulders right now. Learn to approach life with maturity. ”
I nodded heavily, "You're right. I will definitely remember the teachings and approach life and work with maturity. ”
In this way, under the careful guidance of my cousin, my life and mentality have changed dramatically. I no longer looked at no one, but learned to take responsibility for my family and my own future.
Now I'm 50 years old and I'm about to retire. My cousin called me and said excitedly, "You will be able to receive a pension after you retire!" All these years of hard work have been worth it. How do you feel?"
I said calmly, "I'm very relieved and down-to-earth. You've been reminding me to plan for the future all these years, and I've finally done it. I feel like life is fulfilling. ”
My cousin said happily, "Haha, you are finally mature and steady." I saw your potential back then. As long as you are willing to listen to persuasion, you will definitely be able to achieve great things. I'm glad that you've now found meaning and direction in your life. ”
I said gratefully, "It's all your credit, cousin." If you hadn't patiently persuaded me to buy insurance and plan for the future, I wouldn't have the well-off life I have today. I really appreciate you so much. ”
My cousin smiled and said, "This is what I should do." You have also been repaying me with actions, which makes me very gratified. We grow together and progress together. ”
Indeed, without my cousin's careful guidance, my life trajectory would certainly not be what it is now. I said from the bottom of my heart: "Cousin, I will definitely keep in mind your teachings, continue to work hard in life, and hope to help more confused young people so that they will not repeat my mistakes." This is the most important goal of my life. ”
My cousin nodded and said, "Okay, you've found meaning in life, I'm very happy." If you have this heart, you will definitely be able to help more people, and I am very confident. ”
After retirement, I lived a fulfilling life. I would talk to my cousin on the phone regularly to tell her how I was doing. My cousin will also care about my health and life.
"Is your blood pressure and blood sugar normal? "My cousin used to tell me that.
"Don't worry, I go to the hospital every month to check my body, and everything is fine at the moment. I will answer patiently.
My cousin also always cares about my diet and exercise: "You have to eat less greasy and sugary, don't stay at home all day, go out for a walk." ”
I always follow my cousin's advice. Now I have learned to be grateful and cherish every word of my cousin's concern.
In addition to caring for myself, my cousin often asked me to reflect on the hard times of the past: "You live a prosperous life now, but you must always remember the poor life of the past, so that you can maintain humility and compassion. ”
I will nod solemnly: "Cousin, I will definitely remember my original intention and never forget the hardships of the past." You have given me the opportunity to be reborn, and I will definitely repay the society with my actions. ”
Now that I have been retired for many years, my life is very full and rich. Every year I travel with my cousin, and we have traveled many places and seen beautiful landscapes. It all started with my cousin's careful guidance back then, and I can't thank you enough.
In this way, with the help of my cousin, I grew from a young man with no one in my eyes to a responsible, mature middle-aged person.
Now I am 70 years old and my cousin is retired at home. We also often chat over the phone or via video.
"Happy New Year, cousin!" During the Spring Festival of another year, I invited my cousin to have a reunion dinner with me.
My cousin smiled and said, "Happy New Year, do you want to travel together this year?"
"Okay, where do you want to go? I'll go with you. I said immediately.
My cousin thought for a while and said, "I heard that Tibet is very beautiful, and I want to go on a pilgrimage to the mountains to see it." ”
"No problem, Tibet is Tibet! I'm going to book a plane ticket and a hotel. I said happily.
So, the two of us set off for Tibet. The magnificence of the mountains and rivers there was an eye-opener for us. My cousin was excited like a child along the way. I also sincerely feel that traveling with my cousin is the happiest thing in my life.
After returning home, my cousin said with emotion: "This trip has allowed me to see so many beautiful scenery, and I feel that my life is complete." In the future, we will wait for the children and grandchildren to be full and welcome a happy old age. ”
I also sighed: "I also feel very happy. Cousin, if it weren't for your careful guidance, my life wouldn't have gone so smoothly. I will be forever grateful to you. ”
My cousin smiled and said, "I was also a hard worker back then, but now that you are doing well, I am relieved." ”
My cousin nodded with satisfaction: "Okay, I'm very relieved that you have found the meaning of life." In the future, let's enjoy the family together. ”
Now, I'm 80 years old and my cousin is 75 years old. We are all in the age of antiquity. But we also often care about each other's health through video chats.
"Cousin, how are you doing? Is there anything wrong with you?" I often ask.
"I'm fine, but my legs aren't very sharp. But no big problem, don't worry. My cousin always replied gently.
"That's good, you have to pay attention to your body. I've also checked it recently and it's ok overall. I'll also report back on my progress.
"Haha, let's work together to live a long life!" My cousin said with a smile.