Preface
Young people have to talk nonsense if they don't pay pensions!
The older generation regards the pension as more important than life, and the current young people do not pay the pension but grab a lot of it, the reason is that many people think that their parents have not received a pension, and their current payment is equivalent to supporting other people's parents.
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Many people claim in the video comment section that they may not live to the age of pension!
Young people are ridiculing that they are in poor health, that they may not live to the age of pension, or that they will have to play after a few years of pension.
However, experts believe that young people do not pay pensions because they do not have the ability to reach the awareness, do you agree with the experts' remarks?
Young people know
Experts say that the public has limited cognition, I don't agree with this point of view, I think the post-90s and post-00s are because their awareness is too high, which leads them to choose not to pay pensions.
These two generations are among the most well-educated in China, and the vast majority of them are proficient in the Internet, and they have access to far more information than previous generations.
The high or low level of a person's cognition mainly depends on the amount of knowledge stored by the person, which is only the aspect of "knowledge", and what insight and understanding of one's stored knowledge is the "recognition" in cognition.
Nowadays, if you go out on the street and talk to a random young person and talk about their views on some things in daily life, you may be amazed by the perception of young people today.
Young people's non-payment of social security is indeed related to their cognition, but it is not because their cognition is too low, it may be caused by the high cognition of contemporary young people.
Pension is actually a long-term investment, but also a kind of financial behavior, long-term investment depends on the future returns, these laws may not be understood by people in the past, but young people now know the roots.
Some young people may think that the return of the foot pension is not as high as other investments, such as some financial stocks, futures, etc., and these short-term yields are far better than the long-term returns of the pension that can only be seen after decades.
It is better to have spare money directly to invest in other products, there is no need to invest in pensions, after all, the profit cycle is too long, less than ten years, more than a few decades to eat to receive income.
This is too long for the new generation of young people who value immediate benefits, short-term gains can improve their lives, and long-term gains, although they are guaranteed for the future, cannot improve their immediate lives.
The general thinking of young people is that they have wine today and get drunk today, and they will live the good life in front of them first, and there is no need to think too much about how they will live in the future, and no one can say what the future will look like.
Why invest your own money in an ambiguous future?
Pension may be depleted?
The older generation attaches great importance to pensions, and even if they can't eat now, they have to pool money to pay, because the older generation attaches great importance to future security.
These people who actively pay pensions are very convinced that pensions can protect their lives in the future, but young people have completely different views on pensions, and young people also trust that pensions can protect themselves, but young people do not believe in this.
Because the pension is not an inexhaustible cornucopia, and its reservoir of large funds is also limited, not inexhaustible.
I personally judge that this is the fundamental reason why young people do not pay pensions, in the past, everyone was willing to pay in the reservoir, because they retired early, received more money, and used to retire earlier than women.
Our current pension is completely different from before, on April 12, experts from the Ministry of Human Resources and Social Security said: "The pressure on the mainland's pension is far greater than imagined!"
There may already be a vacancy in the big reservoir of pensions, and it will fundamentally affect the balance of pensions in the future, because we are about to enter the era of aging.
In the age of aging, there is more than a certain proportion of the elderly in society, and our birth rate continues to decline, and the number of new births is also decreasing, but the elderly population continues to grow, and many of them are about to receive pensions.
However, the social security contributions of young people continue to decline, and the number of elderly pensioners continues to increase, and if this trend continues, it is inevitable that the large reservoir of pensions will be depleted.
If you pour water into the pool when it's completely dry and expect a return, the idea may not be good.
Young people's ideas are completely different from the previous generation, paying pensions in the eyes of young people is investment, so since it is an investment, you have to choose some successful projects, it is obvious that if the pension can not reverse the trend, there may be more and more young people to give up.
Because there is no point in paying the fee, just to fill this vacancy is also a drop in the bucket, and what we ordinary people can do is too limited.
There is an imbalance in pensions, and young people see no hope
If you go around the big city and look at the retired old men and old ladies, they are a group of people who have eaten this morning's retirement dividends, and they can get a stable and high pension without working.
Life after retirement is to run around the country and play, and there is also medical insurance protection for sick hospitalization, they are the most comfortable and worry-free group of people.
But if we turn our attention to the rural areas, many old farmers have worked diligently all their lives, but they rarely have high pension benefits.
Some continue to plant those two acres of land to make a living, some raise cattle, and the more miserable ones come out to harvest the rags.
These elderly people generally have a pension of only 100 yuan, which is at most enough to pay a month's electricity bill, and it is impossible to rely on this money to maintain their lives.
So what reason do the children of these old people have to pay pensions? They have worked hard to earn some money to pay their pensions, but their parents can't receive it when they need it most, so it is better to save this money and give it directly to their parents!
Isn't continuing to pay for pensions the equivalent of paying for those happy urban retirees out of their own pockets?
The money you pay may not be used in the end, and experts from the Ministry of Human Resources and Social Security estimate that there may be a relatively large imbalance in the pension after 2029, and it may be completely used up in 2035!
At that time, what will happen to many of us who have already paid enough pensions, and will we not be able to get our money back?
The number of elderly people is increasing, and even if young people pay all of them, it is not enough to support the consumption of pensions, and even two and a half contributors can support one pensioner.
What's even more uncomfortable is that many young people's wages are not as high as some people's pensions, and young people look at their meager salaries, and then look at the rich pension of the old man next door, don't mention what it feels like.
Pensions still have to be paid!
Although there are many imperfections in the pension, we still have to hope for it, which is a major benefit planned for us by our country, and we must actively participate in it.
It is only a matter of time before the existing imbalance is resolved under future regulation, and we must believe that the relevant departments will do their best.
We young people can't just look at the immediate interests, the importance of short-term interests has always been ranked after long-term interests, and old-age care is a lifelong thing.
epilogue
We still hope that all kinds of problems about pensions can be quickly solved, because this is related to the vital interests of each of us, and our ordinary people can become the most stable guarantee of life after they are old.
Although some elderly people will raise their children after retirement, but now the children of ordinary people are also under great pressure, and having a stable pension can at least share some pressure on their children!
References:
1. "Experts talk about how much pressure is on pensions in the mainland" released by the official media Beijing News in 2024
2. The official media Qilu Evening News released on April 22, 2024, "Young people are not far away to pay personal pensions?"
3. "Experts talk about how much pressure on pensions in the mainland" released by the official media Phoenix Weekly in 2024
The content of this article is partially polished and is for reference only!