In order to avoid the problems of long life span and insufficient pension savings, commercial pension insurance provides a better choice for future pension with its low risk and tailor-made characteristics. Then what should I do if I am old with two incomes and no children? How can I solve the problem of providing for the aged with two incomes and no children? Let's take a look at Bian Xiao!

Miss Zhang is a salesperson of Amway products, so her income is not very stable. Her teacher is a software engineer, and her income is relatively stable, about 72 yuan per month. He usually gets a bonus of 1 thousand yuan at the end of the year. At present, the two have borrowed money to buy a house and need to repay 24 yuan a month. They also took out a loan to buy a car. In addition to paying back the car loan, they also have a car maintenance fee of nearly 1, yuan every month. Their monthly expenses, including mortgage and car loan, cost about 68 yuan. They are not going to have children, but to be dinks.

Investment consultants believe that it is also appropriate to put this statement into financial management. In other words, any financial planning should start with saving money, and Miss Zhang and his wife don't have any deposits at present. Therefore, the first element of Miss Zhang's financial management now is to be able to save a certain family emergency fund to deal with emergencies. The minimum required cash deposit is 2, ~ 3, yuan. Future monthly balances also need to be properly and actively invested after arranging emergency funds.

At present, Miss Zhang's family has a high proportion of unnecessary expenses. Therefore, experts suggest that we should make a detailed list of living expenses and cut off most unnecessary expenses, so that the proportion of household expenses will be greatly reduced. At the same time, according to the policy, the provident fund of the two can be taken out every six months to repay the mortgage, and the rational use of the provident fund can reduce the pressure on the mortgage. In this way, Miss Zhang Can lightened the pressure of daily expenses, and invested the current monthly expenditure on housing to accumulate wealth.

How to solve the problem of providing for the aged with two incomes and no children

First, the initial thinking: money

Although the topic says that this is not a problem of money, it is a problem of health (medical care for the elderly, etc. ) 3354, these physical problems are ultimately a matter of money.

So, when I first decided on Dink, I thought the core issue of spending my old age properly was money. In other words, how you live in your old age depends on how much money (income) you have. To this end, I made a calculation: when you retire, use the following financial standards to measure, from top to bottom represents your old age from low to high.

1) your savings and fixed income in your later years (i.e. pension, commercial insurance, real estate income, financial products income, etc.). ), can support your daily needs, or enough for you to live a normal life to death. Take Beijing as an example, the total cost is about 1.5 million yuan. If you meet this standard, you and your spouse can survive, but once you encounter a serious illness or accident, you will have a very bad and tragic ending. And as you lose the ability to take care of yourself, you will slide to a tragic end.

2) In addition to the above, your total income also has an additional endowment medical fund (the amount of medical insurance can be calculated), which allows you and your spouse to treat various diseases brought about by old age within a certain amount. If you exceed this amount, you must cut the meat decisively, because you have no children to help you think about this problem. Think for yourself first. Take Beijing as an example. From retirement to death, we need about 4 million in our hands. If you reach this standard, you can face all kinds of diseases in your later years more calmly. Although you will eventually die of illness, you will not die tragically because of a minor illness. But also, with the loss of your ability to live, your financial and treatment plans will gradually go wrong. Because you have no children to take care of you for free. Even with relatives and descendants, the risk of making mistakes in later life is still high.

3) To this end, you need an extra sum of money to find someone to take care of your life. This fund should first be able to afford the nursing home service that you are satisfied with, second, it should be able to afford the salary of an excellent life assistant during the decline of your living ability, third, it should be able to knock a young man out when something goes wrong, which will definitely help you take care of it

4) When there is no perfect solution in China, it needs your pension fund to have the strength to directly connect with foreign solutions when you are still walking and clear-headed. As far as I know, many countries have a good caring environment for the support of the elderly. What you need is a solution to successfully connect them: this amount is a bit difficult to calculate, but conservatively speaking, you need a pension fund of about 2 million yuan to guarantee you.

The above calculation criteria are based on the assumption that if you suddenly retire at the age of 6 tomorrow, inflation, serious diseases and accidents before retirement will bring additional risks to the actual situation. But basically, when your current property reaches three or four standards, you can start to be a dink without worrying too much about your physical problems in your later years.

second, deep thinking: lifestyle

I've been thinking about this issue for a long time, and my concept has changed a lot, so forget what I said above. It's totally nonsense. Because this is a sufficient and unnecessary condition, not many people can clap their chests and say "I have enough money to spend to death" when they first get married.

then what should I do?

I think, as a DINK, you need to have a different lifestyle from normal people:

Because normal people generally think this way when they face old age: when I get old, I will give back everything I gave my children, and I will enjoy the care from my family to fight against my aging and illness: let them worry about me, let me grow old and die properly, just like my family has been running for thousands of years. This is probably the lifestyle of a normal person in his later years.

but I can't think so, my objective conditions don't allow it. I must have a way of life, so that I can die happily without offspring.

back to my original choice: why dink?

Because I choose not to use the existence and expansion of a family to form my castle wall against aging and the world.

if I tear down the wall, I will embrace the world. It is to embrace the world that I tear down the wall.

I'm Dink, because I think the world is more important than the so-called family, and blood is not the only reason for heart-to-heart and loyalty. I want to explore the world, and this process should be heart-to-heart. If I am old and have no one to accompany me except my lover, what's the point of tearing down this wall?

writing here, I want to thank many people in my heart, because they let me know that one day I will grow old or die, and I will not be lonely.

in other words, I have never been alone.

third, the last thought: the view of life and death.

how will I face my death?

if my death is not sudden arrival, but my mind, body and life are disintegrated bit by bit, and my life gradually collapses, how will I face it?

These are two questions that everyone, not just Dink, should think about. It's just that normal people put more energy into family survival and leave the process of facing and solving these two problems to their descendants, so I probably don't think as much about this problem as I do.

My thinking conclusion is: What does my own life and death have to do with my family, fast or slow? What does it have to do with friends who care about me? What does it have to do with my money? Even if you have these, you will still die.

knowing that I am doomed to die and that I have to face the process of death makes me think more about how to live.

making a long-term investment and establishing an empty blood relationship in the world will not make you live better or die better.

Because how you live and how you die is always in your own hands.