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My name is Wang Xiaoming, I am 65 years old this year, and I am a retired old man. My wife and I, named Li Guixiang, have been married for forty years. We were all born in the countryside, and our lives have been spent in the countryside, although we have not read many books, but our lives are ordinary and happy.
I remember when we got married, the family conditions were not good, but we worked together, and gradually, our life became better and better. After working hard for most of our lives, it's finally time to retire. At the time, I thought we could live the rest of our lives at a leisurely pace, but fate played a big joke.
It happened in the first month after we retired, and we got our monthly pension according to the previous plan. But what we didn't expect was that our pension was not enough to support our basic life. When I opened the pension payment form, I was a little dumbfounded by the number I saw, 9,000 yuan per month, which is not enough for an old couple!
Li Guixiang and I were dumbfounded, we never thought that our life savings would be so vulnerable after retirement. At the time, I was really angry and a little desperate. I looked at Guixiang, her eyes were full of tears, and at that moment, I felt the helplessness between us painfully.
"Xiao Ming, what should we do?" asked me in a trembling voice.
I shook my head, and my heart was also at a loss, "I don't know, how can we have so little money? Could it be that we are going somewhere?"
Guixiang wiped her tears and smiled reluctantly, "Xiao Ming, don't blame yourself, let's work together and we will definitely be able to get through this difficulty." ”
But I know that this is not an easy time, and our lives have changed since then, and we are no longer as stable and happy as before. I can't help but start wondering what happened wrong in our lives.
We begin to carefully reminisce about our past lives, trying to figure out what caused our lack of pensions. Guixiang brings up the possibility that we may be spending too much, and I think it's something wrong with our pre-retirement investments. So, we started to review our expenses and incomes one by one.
"Xiao Ming, do you remember when we bought that piece of land and built the house?" Guixiang asked suddenly.
I nodded, "Of course, that's the savings we've worked so hard for." ”
"But we didn't use all of our savings to build the house, I remember we paid off the loan at the time. Guixiang's voice was a little choked, "And our interest rate is not low." ”
I was stunned for a moment, "Yes, I thought the loan was nothing, because we have a house in the future, so we don't have to worry about housing anymore." ”
"But what we didn't expect was that the interest on the loan was getting higher and higher, and our income was not increasing. Guixiang's tears began to well-up again, "Xiao Ming, we really seem to have missed something." ”
I held Guixiang's hand, and my heart was also full of helplessness, "Maybe we didn't plan well at the beginning, or maybe the times are changing too fast and we can't keep up." ”
We were silent for a while, and I began to slowly recall the details of our lives, every place where we were spent, every source of income, trying to figure out where we went wrong. But the more I recalled, the more powerless I felt, as if we had come to an end.
"Guixiang, maybe we need some help. "We probably won't be able to solve this problem ourselves." ”
Guixiang nodded, her eyes full of helplessness, "But where do we go to find help? ”
I thought for a moment, "Maybe we can get some professionals who might have some good advice." ”
Guixiang nodded, I knew that she was just like me, hoping to find a way out. Although we are old, our hearts will never grow old, and we have been working hard, but this time, we have really encountered an insurmountable hurdle.
We decided to go to some financial professionals for help. So, we started asking around and eventually heard about a professional financial planner who was said to be experienced in pension planning. We decided to meet him and see if we could get some help from him.
Before meeting the financial planner, both Guixiang and I felt a little nervous. After all, we don't know anything about finance, so we don't know if we can communicate well with him.
The financial planner is a young man who looks very experienced. He patiently listened to our situation and then started to give us some advice.
"Based on your current situation, I suggest that you first adjust the structure of your spending and try to cut some unnecessary expenses. "Secondly, you can consider some investment and wealth management products to improve the efficiency of capital utilization." ”
Guixiang and I listened in a fog, but we still tried to understand, "What are the investment and financial products, and how should we choose?"
The financial planner gave us a detailed introduction to some common investment and wealth management products, as well as how to choose and analyze these products. After listening to his explanation, although Guixiang and I were still a little ignorant, we at least had some basic understanding of investment.
"Thank you for your advice. I thanked the financial planners, "We'll think about it." ”
"You're welcome, I'll give you some information, you can go back and study it carefully. The financial planner smiled and said, "I hope your problem can be solved as soon as possible." ”
We left the financial planner's office with hope in our hearts. Perhaps, this meeting can bring us some new ideas and solutions.
When we got home, Guixiang and I began to study the information provided to us by the financial planner. Although the content is somewhat obscure to us, we still try our best to understand and digest it.
"This financial product looks good, and the yield is quite high. Guixiang pointed to a product on the information and said.
I looked at it and said, "Yes, but it's also very risky, and if we lose our pension, it's not enough to spend." ”
Guixiang frowned, "What about this, although the yield is not so high, the risk should be relatively low." ”
I also looked at it carefully, "This looks pretty good, and the investment horizon is relatively short, which is suitable for our situation." ”
We started talking about it and trying to figure out which investment option was best for us. Even though we didn't know much, we decided to try as hard as we could, because the situation was imminent.
"Then let's try this. I patted Guixiang's hand, "No matter what the outcome, we have to persevere." ”
Guixiang nodded, "Well, let's try this." ”
We decided to invest a portion of our retirement money in this seemingly safe financial product, hoping to increase our income by investing. Although we are full of uncertainty about the future, at least we still have hope and a direction to work towards.
In the days that followed, we started a new life. Every day is very fulfilling, and Guixiang and I both put in the work, trying to adjust our lifestyles and try to make every penny more reasonable.
Although our lives are still full of challenges and difficulties, we always believe that as long as we work hard, there will always be a way out. We no longer feel hopeless because we know that as long as we are together, we can overcome all difficulties.
This experience made Guixiang and I cherish each other more and understand the true meaning of life more. Perhaps, we are not rich, but we have each other's company and support, and this is enough.
Our lives are slowly returning to normal, and although our pensions are still insufficient, we have learned to manage our finances more economically and rationally. We began to pay attention to the use of every penny, try to cut some unnecessary expenses, and make life more simple and textured.
"Guixiang, this month's bill has come down. I walked into the living room with a stack of bills and said to Guixiang.
Guixiang was busy washing the dishes, and she looked up at me, "Put it down, I'll come and see." ”
I put the bill on the table, and Guixiang picked it up and looked at it carefully, "Well, this month's expenses are a lot less than last month." ”
I smiled, "yes, we've been paying more attention to our expenses during this time, and we've tried not to spend money indiscriminately." ”
Guixiang nodded, "Yes, we have to develop good financial management habits, and we can't waste them anymore." ”
As we chatted, we began to calculate our income and expenses for the month. Although our pension is still not enough, we have learned to be more budget-conscious and try to make every penny count.
"Xiao Ming, how much money is left for this month?" asked Guixiang.
I picked up my pen and calculated, "There's still a little bit left, but it's enough for this month." ”
Guixiang breathed a sigh of relief, "That's good, we have to continue to save, and we can't let the money run out of money." ”
I nodded, "Well, we will." ”
Although our lives are still full of challenges and difficulties, we have learned how to face and solve them. We support each other and work together, and even if retirement doesn't go our way, we still have hope that tomorrow will be better.
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