In this era, a special group of young people is quietly emerging. They are different in that they are not trapped by the traditional "three loans", nor are they confined to the protection of the "five insurances". They are as free as the wind, pursuing their dreams and distances. However, when this wind of freedom meets the heavy clouds of retirement, what kind of sparks will be sparked?
Traveling, exploring, and tasting local cuisine, these young people live an enviable life. They have jumped out of the fixed mode of life and chosen a freer and more casual way to live. However, when it comes to the topic of pension, they have their own unique opinions and concerns.
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"Isn't that my own money nominally my own, but why can't I take it out when I need it?" a young netizen wrote on social media, sparking a chord with countless peers. In their view, the traditional pension system is like an unreachable distant relative, although nominally related by blood, it is difficult to count on at a critical moment.
The formation of this concept is not groundless. The traditional pension system always advertises that "the more you pay, the more you receive", but this is really a beautiful misunderstanding. In fact, how much pension we can receive depends largely on how much the next generation can contribute. It's like a relay race, where each generation is contributing to the retirement of the next generation. But the question is, how do you pass the baton when the next generation of people is declining or the economy is not strong enough to support the system?
Let's look at the real-world data and think about the rural elderly who worked hard when they were young, who paid public food and contributed to the construction of the country. However, when they enter their old age, they can only receive a meager pension of 100 yuan per month. And some people, because of policies such as deemed contributions, receive more pensions than young people who are working hard. This huge contrast has undoubtedly deepened young people's distrust of the pension system.
What's more, the lifestyle and health of this generation of young people are also very different from the tradition. They stay up late at night, lie in bed in the morning, take out every day, work in two shifts, and keep milk tea and fried chicken and pork belly in their hands...... Whether they will live to the age of 60 in good health is an unknown for them. In this case, "there is wine today and drunk tomorrow" seems to be a more practical option.
In the face of such a situation, some experts pointed out that young people's acceptance and awareness of personal pensions are limited. However, netizens retorted: "It's not a matter of cognition, it's a matter of trust!" Indeed, when young people are full of uncertainty about the future, it is difficult for them to invest their hard-earned money in a pension system that seems unattainable and full of uncertainties.
So, how can we break this barrier of trust? Some netizens put forward a rather creative suggestion: "Directly distribute the pension to the parents of employees, so that everyone is willing to pay." Although this proposal is somewhat radical, it reveals the essence of the problem from another perspective - how to make young people really feel the benefits and security brought by pensions is the key to increasing their participation.
The situation of each family is different, but there is one thing in common: we all want to have something to rely on and provide for. In this era of change, let's work together to find a more equitable and sustainable pension solution!
In conclusion, the issue of pension is a complex and sensitive topic. We need to face it with a more open and inclusive mindset. Only in this way can we work together to create a more equitable and sustainable retirement environment, where every generation can enjoy the dignity and security they deserve.
After all, no matter how the world changes, the yearning and pursuit of a better life will always remain the same. A sound and reliable pension system is undoubtedly one of the important cornerstones to achieve this wish.
Finally, I would like to say that every generation has its own challenges and opportunities. When faced with the complex and sensitive topic of pensions, we need more understanding, communication and cooperation, instead of accusations, evasions and misunderstandings, only in this way can we create a better future together!