Mr. Wang was a middle school teacher before retirement, teaching experience for 38 years, the current retirement salary is 5,000 yuan, which is a proper high income in the eighteenth-tier town, after the death of his wife, the daughter was worried that he was lonely, and obtained the consent of his son-in-law to take Mr. Wang to his home, the house was rented, and the rent was stored in Mr. Wang's account.
Mr. Wang is not good at housework, so he gave his daughter 3,000 yuan a month as living expenses and told his daughter: "I use the remaining 2,000 yuan as pocket money, and I still have a little savings in my hand. ”
"If you are sick, you must be treated. "My daughter was absolutely clear.
"Don't bother with that. Teacher Wang comforted her daughter.
Over the years of living with his daughter, his retirement salary has risen year by year, and Mr. Wang still only keeps 2,000 yuan of pocket money, and the rest is all for his daughter, which is enough for the family's living expenses in the small town, and the rent is also a large income.
The daughter and son-in-law cared for Mr. Wang, and hurried to the hospital for a little illness, for fear that something would go wrong.
Boss Liu's situation is very different from that of Mr. Wang.
When Boss Liu was young, he ran a grain and oil store, and his business has always been good, not only raising his children but also helping them start a family.
At that time, his brother-in-law, who was working in the government department, advised him: "At present, the business is good, open an account in the social security bureau to pay pension insurance, and you can receive a pension in at least 15 years." ”
"I'm self-employed, and it's not cost-effective to pay social security in full, so I can use my savings to retire at that time. "Boss Liu is not distressed about that money, but disdainful of the retirement salary of social security.
When he was 65 years old, Boss Liu felt powerless, his daughter and son were married, and he totaled the store out and the deposit was 1.3 million, which was a huge amount of money for the elderly, and the old couple lived quite well with interest.
There were unforeseen circumstances, and Boss Liu's wife at the age of 70 suddenly passed away, leaving Boss Liu to live a difficult life.
He discussed with his son and daughter: "Either get me a babysitter or send me to a nursing home." ”
Whether it is a nursing home or a babysitter, the interest on the deposit cannot cover these expenses, and the principal must be used.
Later, the son and daughter discussed: "Let's take turns to take my dad home to take care of him, and withdraw 3,000 yuan from my father's savings every month." ”
At first, it was peaceful, but when Boss Liu was sick and hospitalized, the reimbursement ratio of NCMS was only 60%, and the proportion of self-payment was very high, so it could only be withdrawn from deposit profits.
The savings are decreasing day by day, and the daughter and son have borrowed 200,000 yuan each from the savings to improve the life of the small family, and the amount of Boss Liu's savings has decreased geometrically, which makes the children very worried: the savings are getting smaller and smaller, and if the father lives for a few more years, even the medical expenses are dangerous.
In fact, the children's true thoughts did not want Boss Liu to live a long life, and he was not so concerned about treatment later.
There are pros and cons to saving money for retirement and social security pension:
There is enough money to provide for the elderly, and it is difficult to say that there is little money.
It is also very sad that the social security pension retirement salary is low, and it is natural to worry about the high salary regardless of making a fortune.
The most ideal way to retire:
There is social security, there is a part of the deposit, commercial pension insurance supplement!
And the realistic way of providing for the elderly:
For the elderly, the continuous cash flow is definitely better than cash, and the children with cash flow hope that you live a long life, while the elderly who have cash will consume a part of the cash if they live for one more day, and the children may not live long for you.
#谈谈养老金规划#
