"Lao Liu, do you have plenty of money? The child wants to buy a house, and the down payment is almost there."
"Don't mention it, my son got married and bought a house of 200,000 yuan, a bride price of 200,000 yuan, and a banquet of 50,000 yuan, which drained our old couple's savings."
"Some time ago, the child couldn't pay off the mortgage, and I took another 20,000 yuan for the child, and now I have a few thousand yuan in my hand, and I still have 70,000 or 80,000 foreign debts"!
"Hey! Children are debts!"
This is the status quo of most rural families in China, where the older generation is working hard to buy a house in the city for their children and find a good marriage partner for them.
But after doing this, what did the older generation get? Some people may want to say that isn't it what parents expect when children get married and have children and grandchildren?
Indeed, but everyone should also be wary of a question, after giving all their savings to their children to buy a car and a house, how should they provide for their old age?
01
There is such an example around Xiao Ke, Uncle Zhao is an authentic farmer, his wife works in a nearby factory, and he will also do odd jobs on the construction site in his spare time.
Although the annual income is not high, he and his wife are busy all year round, and the old couple can save 60,000 or 70,000 yuan. Before the children got married, Uncle Zhao rebuilt a house in the countryside, which probably cost about 200,000 yuan.
When the child got married, Uncle Zhao took a bride price of more than 100,000 yuan, and bought a car for the child for 100,000 yuan, plus the money for the banquet, Uncle Zhao spent about 300,000 yuan.
In this toss, the old couple put all their savings into it, and borrowed 70,000 or 80,000 yuan from relatives and friends. Fortunately, Uncle Zhao and his wife were very hardworking, and after two years of hard work, they finally paid off all their foreign debts.
Because their son didn't buy a house before he got married, the old couple wanted to save a down payment for their son, even if they couldn't save so much money, they could also subsidize their son when they got married.
02
In 2017, Uncle Zhao's son bought a house in the city, and although the young man had some savings, Uncle Zhao still scraped together a down payment of 200,000 yuan for his son.
After taking the money, Uncle Zhao and his wife had no savings at all, and the two of them owed foreign debts. Just when Uncle Zhao was thinking about slowly repaying his debts and saving money for retirement, his wife was called by his son to the city to see the baby.
At the beginning, Uncle Zhao's wife was very hesitant, because she had an income of three or four thousand yuan a month at work, and if she went to the city to see the baby, this income would be gone, and the burden on the family would be all on her husband.
Despite this, the old couple finally agreed, after all, the two young people have to go to work, and the children really need to be taken care of.
But what the old couple didn't expect was that when the wife was watching her son's children, she not only had to bear the housework and part of the family's expenses, but also subsidized the children from time to time.
03
After the epidemic, the income of the son and daughter-in-law is not high, and the two of them only have an income of seven or eight thousand yuan a month, and the mortgage is pressed on them.
Because he didn't want his son and daughter-in-law to worry about money, Uncle Zhao's wife didn't want his son and daughter-in-law to pay a penny every month. Uncle Zhao has made money on the construction site, and he will give it to his wife as soon as possible, so that his wife can subsidize his son.
On the surface, although the family lives hard, it can be regarded as happy. But recently, Uncle Zhao fell ill, but he found that he had no savings in his hands, and some were only 10,000 yuan or 20,000 yuan.
Although Uncle Zhao wants his son to provide for his old age, his son obviously has no money in his hands, and he even needs subsidies for the old couple. At this time, Uncle Zhao found out that the so-called son had started a family, and his parents were happy, but it was just a disguised "gnawing at the old".
If he and his wife don't subsidize their son every month, the old couple can save at least 50,000 yuan a year, but now they give all the money to their son, and their son and daughter-in-law have no savings in their hands, so the future pension has really become a problem.
04
Xiaoke thinks that many people are doing this, because everyone always thinks that it is not easy for children to work hard in big cities, so they can subsidize it.
But have you ever thought that parents have to take care of their children on the one hand, and on the other hand, they have to take out some family expenses, and when the children need money, they have to subsidize the children.
If you think about it, isn't this a new type of "gnawing old way"? Especially rural people, in addition to the income from the field and part-time work, there is not much pension every month, if all the money is given to the children, how should they provide for the elderly?
Therefore, parents should not only let go appropriately, but also save a pension money for themselves, even if this money is not much, it is also the confidence of their own pension.
If you don't do this, I'm afraid you will be the one who will suffer in the future.