As the saying goes, "raising children to prevent old age", but with the development of society, this concept is obviously too old, because most people find that they still have to rely on themselves in old age. For those elderly people who live with their children, they can receive a lot of care because they live together, but for those who do not live with their children, in fact, most of the difficulties encountered in life still have to be solved by themselves.
This is also related to the fact that young people are burdened financially and busy with work, except for the New Year holidays or when their parents are sick to take care of them, they hardly have any time to spend with their parents.
Therefore, some people think that raising children to prevent old age is actually useless, and they begin to find another way to save money for the elderly, so is this way of pension feasible? On the surface, it is indeed feasible, theoretically as long as the money is enough, no matter how the pension is able to enjoy the old age, but why do some people who "save money for the elderly" regret it in the end?
First, "varied" pension methods
In the past, most people thought that "raising children can prevent old age", but here we will not discuss the topic of "whether you can support the elderly by relying on children". The fact is that in the modern situation where various social welfare guarantees have been very comprehensive, raising children to prevent old age is certainly not the only way to provide for the elderly.
At present, there are the following major pension methods in the mainland: 1. Relying on social security to provide for the elderly. The first way to provide for the elderly is to rely on our social welfare system to provide for the elderly, which is also the most common way to provide for the elderly. At present, the mainland's old-age security is included in the social security system, as long as you pay enough for the minimum 15 years of payment when you are young, you can receive a certain amount of pension on time every month after retirement.
However, due to the different years of individual payment and the amount of contributions, there is also a large gap in the amount of pension payment. For urban and rural residents, pay pension insurance on time every year, and after a certain age, they may be able to receive a few hundred yuan per month, and those workers and retirees will receive more, basically around 3,000, and some high-tech talents or state-owned enterprise retirees can even reach 7,000 yuan.
Observing this data, we can also see that endowment insurance, as a basic social security system, can only solve the problem of "no support for the elderly" for most people, as for the quality of pension, it is still up for discussion.
Although the state is also raising pensions every year, for urban and rural residents, a few hundred yuan per month can obviously only solve the basic food and clothing. With the further development of the material level of society, it is even possible that we will not be able to provide basic food and clothing.
Although the employee pension is high, they can enjoy a higher quality pension life. But for the elderly, health problems are also a big hidden danger, although they usually eat and drink without worry, but as long as there is something wrong with the body, the pension will be stretched.
Therefore, if you only rely on pensions, it is obviously impossible to guarantee the life of old age, unless you are a high-end talent or pay more pension insurance when you are young, and your body has been relatively healthy after retirement, and there is no large expenditure at ordinary times, so you can only rely on pensions to provide for the elderly. But for most people, there is no higher amount of pension, and there are occasional minor problems in the body, so it is necessary to rely on other ways to provide protection for old age.
2. Buy a pension fund in advance. But this way is actually not realistic for many people, first of all, he needs a certain amount of capital reserves, for many people, when they are young, buying a house and buying a car to repay the loan is already very difficult, if you want to take out a part of the money to prepare for the retirement life in advance, it is obviously a bit inadequate, for those who are financially rich It is a good way, but the fund also has a certain risk, and it is possible to lose money if it is not good.
3. Save your own money for retirement. There are also some people who do not understand the knowledge of funds and do not expect pensions, so there is another way to save enough pension savings when they are young.
2. Is it feasible to provide for the elderly by yourself?
With the change of people's concepts, more and more people choose to save their own money for retirement, and often the wages of this type of people are relatively high. After all, for most people, there is no money left in addition to daily expenses, let alone saving a large amount of pension principal at a young age, so is this method of saving money for the elderly feasible, why do many people regret saving money for the elderly?
Because people who often have the idea of "saving their own money for their own retirement" do not plan to rely on their children to support themselves in the first place, these people also prefer to have their own retirement life, rather than dedicating their time to their children or even their children's descendants. They also believe that as long as they have enough savings in their old age, they can do not rely on their children.
Generally speaking, if you have saved enough money to achieve complete financial freedom, you can indeed get money without asking your children, but this is only on a material level. The third layer of Maslow's needs theory is love and belonging, that is, even if we don't need to be attached to our children in terms of money, we need to get other emotional needs from our children.
Generally speaking, people are more or less "unable to keep up with the development of the times" when they are old, and most elderly people are also prone to a sense of loneliness that they are abandoned by society. For some people with a more fulfilling spiritual world, it may be okay, after all, the time to travel and participate in some elderly activities has passed, but for some elderly people who are originally more introverted, life is boring without the company of their children. As we age, our body functions will decline, and we need to be taken care of by others.
Third, pension needs more than just money
Some people say, "Do I have to worry about having no one to take care of me when I have the money to live in a nursing home?" That's what most young people think these days, but it's often not as good as it could be.
If you are in good physical condition, then a nursing home is of course a good choice, but not all elderly people are very healthy and free of diseases and disasters for a lifetime. Due to their age, the elderly will actually have a little "small problem" in their bodies, and if they unfortunately encounter some major diseases that lead to inability to take care of themselves, they need to be taken care of by their relatives.
Not to mention the high cost of nursing home care, the quality of care is also worrying. In recent years, there have been some reports of elder abuse in nursing homes, and this can obviously be avoided if children are cared for.
brief summary
To put it bluntly, caregivers and the elderly are just an employment relationship, others just get paid to work, and when they meet a good caregiver, they may still be concerned, and when they meet some irresponsible caregivers, they have nowhere to tell. After all, with the serious aging of the population, the market demand for caregivers has obviously exceeded the demand.
The author thinks that many people may mistakenly think that they can support the elderly if they have money, but once they use money to seek protection, this kind of security will not be long-term and stable.