At the age of half a century, most of my classmates, friends and children are adults, and most of their time is spent taking care of their elderly parents. Students joked that we are the last generation of "raising children to prevent old age" and the first generation of "supporting children to prevent old age". Mentally, we should also be self-reliant and do not expect to get a return from our children.
There are three or four brothers and sisters on average in our generation. Everyone is dutiful and filial, and shares the responsibility of caring for their parents. However, there are only one or two people in our next generation, and the future of our children is uncertain. If we want to retire and live in peace, we must stand on our own feet and do a good job in risk control to protect our money and "prevent our children"!
traditionally, we live for others all our lives, and the focus of life is never on ourselves. When I was a child, I lived for my parents' expectations. When I got married and had children, I lived for my children. When I was old, my ideal realm was that my son's career was successful, my daughter-in-law was virtuous and filial, my daughter cared about her family, and my son-in-law loved her family. Then my children and grandchildren were full, my father was filial, my brothers and sisters were respectful, and my family was happy and handed down from generation to generation.
However, in reality, every family has a hard story to read, and every family is performing different series codes, ranging from tragic comedies to realistic thrillers. No matter how they are brought up by traditional ideas, in the face of social and economic changes such as aging and fewer children, a new generation of parents must say goodbye to "raising children to prevent old age" and begin to really prepare for "supporting the elderly and preventing children"!
Let's talk about providing for the aged first. According to the data in 215, the life expectancy of Chinese people is gradually prolonged, with an average of 8.2 years, which means that 65-year-old men can live another 18.15 years on average, and women can live another 21.7 years. If the retirement age is set at 65 according to law before you start to live a retirement life, you must reserve at least 2 years of living expenses. Assuming that the total cost of basic living medical care per person per month needs 5, yuan (this is a well-off version), and there is no inflation (that is, 5, yuan will not increase in price), the cost of providing for the aged will be as high as NT$ 12 million per person (5, yuan × 12 months× 2 years)!
The sources of ordinary people's pension include the pension given by the working enterprise, the financial assets (such as deposits, stocks and funds) accumulated by themselves and their spouses from their youth, the retirement annuity (such as labor insurance and national insurance pension) and the filial piety expenses of their children.
Among them, you can't have too much confidence and dependence on the money from * * * and your children, and the "pension given by the working enterprise" varies according to your professional attributes and work experience, so the financial assets accumulated through hard work all your life are the best in your hands.
The money used for retirement must be liquid, that is, it can be used at any time. Some elders have houses and land, but they don't have enough deposits at hand, so houses and land can't produce cash immediately. Therefore, when preparing a pension, we should make a good asset class plan and pay attention to the liquidity of money.
if one person needs to prepare 12 million yuan, and the couple needs 24 million yuan, and if only one husband and wife can work and get a pension of 6 million yuan, the couple should prepare 18 million yuan for retirement from their youth without relying on * * * and their children. Suppose you start saving at the age of forty, then you will save 72 thousand yuan every year, with an average of 6 thousand yuan per month. However, in order to support their families and raise their children, the 4-year-old young and middle-aged couples should not only prepare their children's education funds, but also pay all kinds of expenses to support their elderly parents. They often forget that they must leave themselves a pension of 6 thousand yuan every month, so that the old couple can enjoy their retirement!
Let's talk about child prevention. Recently, I heard a real case of a mother signing a contract with her son. The mother spent 2 million yuan to train her child to study abroad and become a doctor. When her son became an adult, the mother signed a contract with him, demanding that he be paid out of the pure income after becoming a doctor. If his son's daughter-in-law is unfilial, he must compensate or deduct other property inheritance rights and interests according to the contract. The son disobeyed and went to court with his mother. At this point, it is embarrassing to prevent children!
in fact, there are levels of child prevention. First of all, parents should be self-reliant and take care of themselves, and they should not expect their children's return. At the same time, they should be careful to prevent their children from continuing to use themselves as ATMs and use up their hard-earned retirement pensions. Although ethics is becoming increasingly weak, and incidents of disobedience and abandonment of elderly parents have been heard from time to time, it is not necessary to be too strict with children. Too much and too little is not a good thing.
Some people say that happy retirement and enjoying retirement need the support of "five old people", including their wives, old houses, old people, old friends and old people. Instead of putting all your eggs in one basket and expecting your children to take care of themselves until the end of your life, you should pay more attention to the "five olds".
* This article is excerpted from the publication "Happy Finance for Mom CFO: Money Values for Children's Lifetime Use". Please don't reprint it without permission.
?
? Every daily situation in life is a good practice to cultivate children's correct view of money!
Shopping│ Blogging │ Jinshitang │ Eslite │ Reading Life.