"You have to keep the money to cross the river"! Relevant people said: When people are old and have no money, pension will become a problem

time:2022-12-05 04:36:48source:monlittlebaby.com author:Make one's mouth water
"You have to keep the money to cross the river"! Relevant people said: When people are old and have no money, pension will become a problem

This article was originally created by Tuanzi Mom Parenting. Personal comments and sharing of parents' feelings for their children are welcome. It is really endless. From the birth of children to schooling, to work, marriage and childbirth, all of them have been upgraded to parents, but from time to time they need to accept "condolences" from their parents. "Frugality" is one of the most prominent characteristics of the elderly in China: they have worked hard to save money for a lifetime, they are unwilling to eat or wear, and even want to split a penny in half, and among their few consumptions, in addition to keeping Some of the "crossing the river money", and the rest are almost all subsidized to the children.

What do the old people often say "money across the river" mean?

When I was a child, I always heard the old people say "you need to save yourself some money to cross the river". Although I could memorize this sentence in the end, I still couldn't understand the meaning of this sentence. . In fact, the old people often say "crossing the river", which is different from what we actually understand. The "river" in the old man's mouth refers to his own life and death, usually when there is a disease that threatens his life, he will take out the savings he has saved before for emergency treatment, commonly known as "crossing the river". Especially in the past, because the elderly did not have a fixed source of income, if they really had any disease, then most of the time they had to rely on their children. In order to reduce the burden on their children to a certain extent, many elderly people would It is very important to look at saving "crossing the river money". I usually live frugally and don’t want to spend money, just to save myself the next “crossing the river” money. However, such an idea is ultimately related to the social background at that time, and in the contemporary era, the old people's life in old age is becoming more and more secure, and even some old people's retirement wages are higher than the income of young people, so "cross the river money" ideas began to be gradually marginalized.

Relevant researchers said: the elderly have no money, and retirement will become a problem

Nowadays, the quality of life of the elderly has improved A big improvement, and even some elderly people's monthly income can be enough to support the family's expenses. Seeing that children are under a lot of pressure every day, so many times, parents' pensions will be used to subsidize their children from time to time. The income of the elderly in China generally comes from pensions and pensions. Most of the elderly’s monthly income is not too high, but even in the case of a relatively small base, subsidized children and grandchildren still occupy the majority of the elderly’s daily expenses. the main part of the spending of the elderly. The places where the remaining expenses are relatively large are medical and daily expenses, while some other expenses are basically "0", and there are very few people who have the awareness of saving "crossing the river". Such a quality of life is naturally not good. high, will directly affect the health of the elderly. The survey of relevant researchers shows that the elderly people live too frugally and thrifty, coupled with the use of their own savings from time to time to supplement their children, many elderly people will not have much money or even no savings in their old age. The elderly are a group with a high incidence of illness. Once the disease is afflicted, if they spend more money on treatment, they will spend more money. Therefore, the quality of life of such elderly people is often not high, and even retirement will become a problem in the end.

No matter how filial the children are, the elderly must leave some money for themselves

There is such a post on the Internet: I am an only child , my parents always say to keep some "crossing the river money", but I don't think it is necessary at all. I am the only child in the family. Whether it is given to me now or later, the money is mine. And I will also promise to be filial to my parents in the future, so I don’t think it is necessary for my parents to save money for retirement. It’s better to give me all the money now~ Many netizens expressed their speechlessness for such a statement. Such a statement is obviously in the Ask your parents for money in disguise. Even if the child emphasizes later that he will always be filial to his parents, no matter how filial a child is, he cannot always be with his parents. And when the elderly have their own welcome to send, or when there is an emergency and need to see a doctor, they can't go to their children to ask for money at the first time. Moreover, the filial piety of children has little to do with this. After getting married, children must be financially independent. It is right for the elderly to help their children when they are in trouble, but they must be tolerant. It is best for the entire extended family to have back-up funds.

How much "crossing the river money" should the elderly prepare, which is more appropriate?

For the elderly, saving money for "crossing the river" is often to deal with emergencies when they are sick in the future. From this point of view, the more money the better, after all, seeing a doctor is a very expensive business. process. However, everyone's family conditions are different. Some elderly people save money blindly in order not to cause trouble to their children in the future, but they have mistreated their quality of life, but the final result is not so ideal. Some elderly people do not go to check in time if they have physical problems. If they are serious, they waste more money. Some people even have an accident before they can enjoy their own money. They live a poor life all their lives. Isn't it worth it? Therefore, the most fundamental principle of how much "crossing the river money" should be kept is to ensure that in addition to the happiness and happiness of one's daily life, keep as much as you can, so as to be worthy of yourself and future generations. Tuanzimama would like to say: No matter what age group people are, they need to maintain financial freedom, which is not only the needs of life, but also the needs of dignity, safety and freedom. The elderly have money in their hands, so they can not panic when they encounter things, and it is convenient to use, and once the money is handed over to the children. Even if the children are filial, the money is theirs, but the taste of asking for money is always uncomfortable.
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