Many people born in the 70s have entered the age of 50, and they have entered the age of "knowing the destiny of heaven", but many people are still living in a daze, and their lives have been in order, and they have no plans for the second half of their lives.
In fact, when a person is over 50 years old, even if he is reluctant, he has to exchange half of his savings for 6 things, and only by doing so can he make his old age happier and healthier.
1. Swap your savings for a pension
In the past, people always had the saying of "raising children to prevent old age", and when people were old, they counted on their children to help raise them in order to solve the difficulties in their later life.
However, the pressure on young people's lives has increased significantly, they are burdened with car loans and housing loans, and their lives are very difficult, and they can't take out too much money to support their old age. There are many elderly people around me, who can only live on a meager pension or do odd jobs to earn income.
Therefore, as a post-70s generation, we must establish a sense of pension in time and exchange savings for pensions as soon as possible.
Many people may argue that the company has paid enough five insurances and one housing fund for itself, so why should it save a pension money? In fact, the pension can only meet everyone's daily expenses, and in case of any emergency, such as surgery, you need to use a deposit, if you don't have this money, treatment may be delayed.
For example, the author's neighbor, the second uncle, was taken to the hospital due to an accidental fainting and was found to be seriously ill, and his children were unwilling to treat him, so he waited at home to die. The second uncle was angry, and took out the 100,000 yuan he had accumulated over the years, which ensured the smooth and successful operation and his body is still very healthy.
In short, when people have no source of income when they are old, they have to look at the faces of their children, and that feeling is naturally uncomfortable. On the contrary, if you have a sum of savings in your hand, you will have the right to speak, and you will live a happy and healthy life in your later years.
Of course, the parents of the post-70s generation are old, and everyone should take the initiative to provide for the elderly, set an example of filial piety for their children, and believe that their children will also fulfill their obligations to provide for the elderly.
2. Know how to manage money
Today, the average house price in Haidian, Beijing has reached 80,000 yuan per square meter, who would have thought that the average price here in 2000 was only 4,000 yuan per square meter.
If you bought a house here at that time, it would only cost 400,000 yuan, but now you can get dozens of times the return. But if 400,000 yuan is deposited in the bank, there will be no income now, which shows the importance of investment and financial management.
With the development of society, prices and wages are rising, and the money earned in the bank will only passively depreciate, but if you can manage your money reasonably, you can maximize its value.
Nowadays, the pressure of social employment has increased, the pressure and burden of middle-aged people to support their families have increased, and it is difficult to meet the living needs of the family by relying on wages alone, so we can't only rely on savings to support the elderly after the 70s, after all, the second half of our lives is still very long.
If you want to ensure a worry-free life in your later years, learning to manage money is the best guarantee. Therefore, the post-70s generation can learn financial knowledge in their spare time and turn their savings into financial investments.
But there are a variety of financial management methods in the market today, and it is easy to fall into the "trap", so you need to invest reasonably, don't be blind, otherwise your hard-earned money over the years will be wasted.
You can choose to buy gold products or treasury bonds, which are reasonable means of value-added and strong risk resistance.
3. Investment in education
In this ever-changing era, it is not enough to have money, people must have the concept of learning and living to old age, and they must also keep up with the social trend and keep up with the pace of the times, so as to keep up with the pace of children.
Many people think that they are too old to study, but in fact, this is not the right concept, many successful people, although they have reached middle age, but still continue to receive advanced education, so that they can keep up with the pace of the times.
Even many ordinary elderly people are more active in chatting and playing games than children, which is also the result of learning. Therefore, in this fast-paced era of society, the post-70s generation should also take out part of their savings to learn new technologies and new knowledge, continue to study in their own fields of work, and also catch up with the thinking form of young people to ensure that they are not eliminated in society.
In addition, continuing to maintain the motivation to study can also ensure that children can rest assured that they will be able to take care of their grandchildren in the future, so that they can shine even when they are old.
Knowledge changes destiny, and only by grasping knowledge and technology can we have the wealth that truly belongs to us.
Therefore, after the 70s, we must have the habit of reading and studying every day, and we can also learn new skills or techniques without spending too much money, but we can make ourselves go further.
Of course, we should also pay attention to the education of our children after the 70s, after all, today's college graduates are "everywhere", so that graduation is unemployment. And if you want your child to not be worried about his future life, he needs to study hard, recharge, and strive to be admitted to a prestigious university, so that he can really change his fate.
4. Health investment
Health is the capital of struggle, and only a healthy body can make yourself better in the future and make more money.
The boss of our company is worth hundreds of millions, but because of drinking and socializing all year round, he suffered from a serious illness in his 50s, and he had to take expensive imported medicine every day to maintain his life.
Although he has too much money to spend, his quality of life is not as good as that of a beggar, he can't go far away, and he doesn't have the happiness and satisfaction of ordinary people, and he has to fight his illness to the end every day.
In the end, because he couldn't bear the torture of the disease, he chose to secretly take medicine and commit suicide, and his life was relieved.
Therefore, a person can't make money to judge success or failure, if the money is earned to the point that the body is gone, then what's the point of making so much money?
The post-70s generation has suffered too much, busy with family and career, and has not taken good care of our bodies. But then, we must develop a good habit of fitness, otherwise the three highs and cardiovascular and cerebrovascular diseases will come to the door, causing the body to suffer.
In fact, a healthy body is to save money for yourself, so the post-70s generation should go to the hospital for regular physical examinations, and there are some small problems in the body that cannot be ignored, and they must be detected and treated early, so as to take precautions.
Of course, the post-70s generation should also be destined to be nutritious in their diet, try to be as peaceful as possible, and get rid of bad habits such as drinking and smoking.
5. Spiritual investment
The biggest pain in old age is not that there is no money, but that they are mentally lonely and lonely, especially after the death of their wife, they don't even have anyone to talk to, and they are even more depressed mentally.
In his later years, he found that he was slowly abandoned by this world, and the days and nights became very long, and the days could only be "survived" little by little, and there was no happiness in such a life.
If the children are no longer filial at this time, are not at home all the year round, and are unwilling to go home to visit, then life will only be more miserable in their later years.
So, how can you make your later life richer and more interesting?
In fact, the best way is "spiritual investment", and only the abundance of the spiritual world can make oneself resist loneliness. Therefore, the post-70s generation should focus on themselves and cultivate their own hobbies, such as square dancing, walking, tai chi, chess, etc., to make their lives rich and interesting.
There are also some elderly people who actively participate in various social welfare activities and volunteer activities to make their later life more fulfilling.
In order to make up for the regrets of childhood, there are also elderly people who sign up for interest classes and training classes for themselves in old age, such as calligraphy, painting, music, etc., so that they can improve their artistic taste while pursuing personal hobbies, making their old age more valuable.
We also need to expand our social circle, abandon our past friends in time, make some real old friends, and spend unforgettable times in our old age together.
6. Family investment
When many people are young, in order to make money and career, they can only choose to alienate their families, so that the money earns family affection but fades, and it is not until they are old that they find that they want to be close to their children, but they can't buy the smiling faces of their children.
Money is of course very important, but you should also take time out to manage family relationships, spend more time with your children, accompany them when they grow up, and strike a balance between money and family affection, so that you can make your old age happier.
Family affection is priceless, and money can't buy it, and for us born in the 70s, I believe it is more deeply touching. But I hope that while making money, we must pay attention to family and feelings, invest in children's education and career, care about their growth and progress, and guide them in life, so that children will be grateful to their parents and fulfill their filial piety when they are old.
Of course, in terms of family investment, we should also accompany our parents more, stay by their parents' side, do more filial piety, and pass on this filial piety to the next generation.
Everyone should also pay attention to the emotional maintenance of brothers and sisters, and care for the growth of younger generations, such as giving advice for the growth of nephews and nephews.
In addition to work, I also want to take my lover and family on a trip, although it costs money, it makes life more romantic.
In any case, we of the post-70s generation must take precautions and make 6 preparations for the elderly in advance, so that we can make our old age happy and healthy and enjoy our old age.