After 26 years of old-age insurance, you will still receive a lot of money every month after retirement. At present, you have a deposit of 1.2 million yuan, which basically exceeds 8%, so whether you go to work or not depends on the situation.

If your 1.2 million is pure cash, your car and house are all ready, and there is no loan, then you can take this 1.2 million to support your old age without going to work. Work, to put it mildly, is to pursue the value of life, and to put it generally, it is to live. Now you have full capital to live, so it doesn't matter to you whether you need to work or not.

So all you need to do is take this 1.2 million yuan, go to the stock market at a fraction, deposit half of it in the bank as living expenses, and use the other half to buy wealth management products such as funds, bonds, shares and so on, so the money is completely enough. And the most important thing is the freedom of time. You can do what you like, regardless of other people's faces.

But there is a suggestion, that is, it is best to do what you like after retirement, so that the money you spend is pension money. If you spend it now, the pension has not come down, and this 1.2 million is basically not enough to spend on retirement.

If you say that you have a mortgage and a car loan, and your children are still in college, then work. After all, millionaires are very common now, and money has become worthless. Unlike before, millionaires can live for a lifetime. Paying off the mortgage and car loan is a big expense. Coupled with the speed of currency depreciation, it will actually take you a few years to lose your 1.2 million. Therefore, in order to ensure that your money can continue, then going to work is the best way. Of course, even if you don't want to go to work, it is very useful to find a sideline. You can also choose not to pay endowment insurance. After all, it has been paid for 26 years, meeting the needs of 15 years, and it belongs to the most advanced kind.

At present, the retirement age is 55 for men and 5 for women. You are only 47, and you still have some working age. Besides, you don't have to work to make money. You can also chat with others to kill time, and you can even meet young beauties who come into the company at any time. Isn't this more comfortable than supporting the elderly at home?