People often ask me: If I don't have children, who will I leave the money I save for in the future? Don't forget to share your experience!
I don't seem to have saved a huge amount of money now, which I can't even spend on myself.
To be honest, the little money I have saved is not enough for me to spend until I grow old.
But from these questions, I can still infer that everyone seems to be quite worried about not spending all their money after leaving. Don't forget to share your experience!
I am exactly the opposite.
If the person has left and the money is still there, at least it means that I haven't been too short of money to spend in my life, and I won't be too regretful. Don't forget to share your experience!
Whether to leave it for future generations or to do charity, it doesn't matter anymore.
But people still have no money to spend, and various' ghost stories' are about to come.
If you don't know what kind of "ghost stories" will happen, you can check out Japanese documentary literature "Bankruptcy of the Elderly" and "Bankruptcy of the Two Generations of the Elderly". Let me know your thoughts in the comments!
These are two books that are even more terrifying than horror movies.
Some people only rely on the national pension to make a living, and after paying rent, they don't have enough money to eat and can only have one meal a day. What do you think about this?
How bitter I've found that it's to be hungry when you're old?
Some people don't have the money to see a doctor, even if the government can reimburse a large part, they still can't afford the small part they have to pay and have to endure it. When they can't bear it anymore, they think it's better to just give up. What do you think about this?
But how many people have the courage to go to Si? So we can only endure in pain.
Don't think that such a ghost story won't happen to you.
Just like Mr. Tashiro in the book, the reality he lived in was vastly different from his "imagined old age".
And I have also witnessed firsthand how an old and penniless grandmother is despised by her children.
Although she is not going hungry or sick to endure, the mental torment and disrespectful lifestyle still leave a huge shadow on me. Let me know your thoughts in the comments!
I don't want my life to be like this without income.
And I don't want to live to work until I'm old.
So, I want to take advantage of my youth, time, and strength to prepare for retirement.
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1) You need to have both savings and a pension.
Having only a pension without savings is definitely not feasible.
Occasionally, unexpected expenses can be very embarrassing.
Conversely, having only savings without monthly retirement income is also not feasible.
Because you're not sure how long you can live, and you don't know how much savings I highly recommend withdraw each year to avoid spending all your money ahead of schedule. What do you think about this?
I once saw someone online saying that once their savings are spent, they don't live anymore.
It's easy to say this when you were young.
But when you are really in a state of no income and can only spend your savings, the experience is completely different. Let me know your thoughts in the comments!
Just like an old man in 'Bankruptcy of the Elderly', he also said, 'Just spend all your savings.'.
But as he watched his savings slowly decrease, he was very scared.
I feel like something is chasing after me every minute, and I can't sleep at night.
So, not only should there be savings, but also retirement income to ensure a monthly cash flow into the account.
This pension income can be purchased from social security or commercial pension insurance.
If there is spare capacity, it would be better to buy a little of both.
In this way, when losing labor, there can be a fixed income every month, and savings are only used as a supplement, so there will be no pain of sitting idle. What do you think about this?
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2) Health is very important, start paying attention to health now.
Whether you have money or not, as long as you are in pain, our quality of life will be greatly reduced. Don't forget to share your experience!
Moreover, an unhealthy body requires a lot of extra money for medical treatment, and the economic burden will also be relatively heavy. What do you think about this?
So, from now on, it's important to have a regular schedule, go to bed early, have a clean diet, and exercise appropriately. What do you think about this?
Increasing muscle protection and reducing the harm caused by additives is saving money.
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3) If conditions permit, having one's own house is better than not having one.
On the one hand, as people age, renting a house becomes more difficult.
On the one hand, if squeezed together with children, I've found that it's easy to be disliked and easily angered.
These are all very practical issues. Having a house and a place to stay will make you more comfortable and at ease. Don't forget to share your experience!
Moreover, houses also have financial attributes and can serve as a last resort for economic security.
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4) If conditions permit, try to settle in the city as much as possible.
I heard that many people dream of living in a small town now.
I may need to pour a bucket of cold water.
These dreams, when young and healthy, are quite desirable.
But it's not very recommended for later life.
The medical resources in small areas are insufficient, and community services are not comprehensive.
In our community, there are senior dining halls, senior activity centers, and even assistance in taking care of the elderly.
People in old age are very lonely, fragile, and boring, and they need some popularity.
It is also important to get help and solutions quickly when encountering unexpected situations.
The above are my personal opinions on elderly care. Please feel free to add them.
