A chance encounter in winter
On a cold and bleak winter night, Xiaoshi went out to buy cold medicine in a cotton jacket, she felt lightheaded, her throat hurt, and she felt really sick and uncomfortable. Outside the community, it was a few degrees below zero, and the wind stinged on his face unbearably, so Xiaoshi quickened his pace and walked back.
When passing by a bench, Xiao Shi saw a familiar figure sitting on it, wasn't that the neighbor's aunt, why was she still sitting alone outside at this time? Xiao Shi walked over with concern, and the aunt looked up in surprise, with tears in her eyes.
It turned out that the aunt quarreled with her daughter-in-law tonight and was kicked out of the house. When the aunt told the details of the quarrel, tears welled up in her eyes again. Xiao Shi knew that his aunt was very sad, so he took her to a warmer place to chat.
The aunt is in her 60s, and going out alone in such weather makes Xiaoshi worry that her body will not be able to bear it. She persuaded her aunt to go home and rest, and sent her to the door of the house, and saw her enter the house, so she left with confidence.
This chance encounter made Xiao Shi see the plight of the elders' lives. She vaguely feels that the road to life after the age of 55 will not be smooth sailing, and she needs to prepare in advance.
This became a turning point in Xiaoshi's thinking about life.
The situation of the elders
Through the conversation with the aunt, Xiao Shi learned more about the situation of the aunt. It turned out that the aunt had been taking care of her two grandchildren diligently, but as she grew older, her health deteriorated.
Her husband has long since passed away, and she now barely survives on her son's occasional maintenance and savings.
The aunt had thought of keeping all her savings to her son, but now she needs to use the money to make ends meet. The son's family is not financially well-off, and the expenses for taking care of the two children have been exhausted.
My aunt wants to go out and find a job to support the family, but it is difficult to find a job at this age.
Xiao Shi felt sad about what happened to his aunt. She suddenly realized that she needed financial support in her life, otherwise she could only rely on other people's alms to survive in her later years. Auntie positive . TEXT's attitude towards life made Xiaoshi admire, and at the same time, it also reminded her to plan for old age as soon as possible.
The road of life is full of unknowns, and I am determined to cherish the time I spend with my elders. She hopes to give more understanding and care to the older generation, so that they can live with more dignity and happiness in their old age.
A turning point in life
Koishi believes that the age of 55-65 is an important turning point in life, and for many people, after reaching the peak of their careers, they are gradually entering old age. At this time, people begin to re-examine their lives and think about their plans for the future.
Most of the people at this stage have married and had children, their children have grown up, and the relationship between husband and wife has also stabilized. They devote their energy and time to their careers and families, but often neglect to plan for old age.
When it was time to retire, I found that I had not saved enough money to cope with the expenses of my old age.
If a person misses the peak of savings in the decade between the ages of 55 and 65, it will be difficult to remedy it after the age of 65. On the one hand, the body is aging, and the chances of finding a job are very slim; On the other hand, the cost of medical care and living has skyrocketed, and the need for savings is more urgent.
Elderly people who do not have enough pension often fall into the dilemma of financial constraints.
Therefore, 55-65 years old is the golden decade for career and family to reach a stable period, and retirement should be planned as early as possible. At this stage, it is important to control your expenses, grow your savings as much as possible, and set aside a sum of money for retirement to rely on in your later years.
At the same time, it is also necessary to find ways to obtain pension income and reduce the financial pressure in the future.
Realizing that her life is at a crossroads, she must seize the opportunity to actively prepare for old age while having a good harvest in her career and family.
She believes that as long as she plans ahead and insists on implementation, she will be able to spend a carefree old age.
Relationship test
The quarrel between Aunt Wang and her daughter-in-law made Xiao Shi realize that the harmony between her mother-in-law and daughter-in-law directly affects the quality of life of the elderly.
According to the traditional concept, daughters-in-law should respect their in-laws and take care of their daily life. But in today's society, many children choose to live alone after marriage. After the in-laws entered the children's house, the status was inevitably a little embarrassing.
Financial resources are the key to determining the status of the elderly. In-laws like Aunt Wang, who have no source of income, are often seen as a burden on the family. For the sake of the children and their own interests, the daughter-in-law will try her best to put pressure on her husband and ask her in-laws to solve their own lives.
If the in-laws are strapped for money, it is easy for the daughter-in-law to vent her dissatisfaction. The relationship between mother-in-law and daughter-in-law needs to be more sympathetic and understanding, rather than blame. As a daughter, Xiaoshi has to put herself in her mother's shoes and let her enjoy a happy old age with dignity.
For the elderly, financial independence is crucial. They need to plan for retirement in advance and accumulate a certain amount of wealth, rather than relying solely on their children's handouts. With an economic foundation, the mother-in-law and daughter-in-law relationship can avoid many unnecessary troubles.
Xiao Shi is determined to cherish his relationship with his mother and let her live a worry-free life. She would also remind her mother to pay attention to financial income and savings to lay a solid material foundation for her later life.
The meaning of saving
Through Aunt Wang's experience, Xiao Shi deeply realized that the savings in life are of great significance.
First, savings can cover unexpected expenses such as medical care. Older people are more susceptible to disease, and medical expenses are the main expense. Without savings, it is easy to fall into financial distress in the event of a critical illness.
Second, saving can avoid being discouraged by being financially dependent on others. Without their own money, they can only rely on their children for alms, and if there is a conflict, they may be harmed.
With savings, you can defend your rights.
Third, savings are the foundation of retirement life. Pensions may not cover all needs. Without savings, the quality of life in retirement will be greatly reduced.
For the elderly who do not have a pension, it is especially necessary to save in advance. Young adults should control their expenditures, invest actively, and save a pension fund as soon as possible.
The state should establish an inclusive social pension insurance system, provide basic pensions, and ensure the basic livelihood of every elderly person. At the same time, it is necessary to create conditions to encourage employment, so that the elderly can have job opportunities and increase their sources of income.
Koishi was determined to get into action. She wants to cut back on unnecessary spending, buy pension insurance, and save money regularly. She also urges parents to pay attention to their savings, reminding them to seize the time and plan more.
As long as you take positive action, you will definitely be able to let your family spend a carefree old age.