After 70 years of retirement, how should we plan our future life?

I was born in 1975 and will be 47 years old soon. I am an ordinary employee in the system. Working in a small county in the west, the monthly salary is about 4500, plus usual allowance, year-end supervisor award, performance salary, housing provident fund and so on. And there may be 70,000 to 80,000 income a year. There are still 13 years before retirement, no matter how long or short.

First of all, it is planned to change trains in the next three years. The Suzuki Swift used to drive, but it was too meaty. Sometimes, when it overtakes a big truck when going uphill, it has to use second gear. 1.3L self-priming cars and 1 1 year-old cars should have been eliminated long ago. Ready to buy a B-class car, hesitate between Accord and Passat. According to my wife, it is more likely to buy an Accord.

The second plan is to buy another suite in a municipality within five or six years. After all, the medical conditions in the city are good and the popularity is more prosperous. Make some preparations for the future pension! As a Sichuanese, I took a fancy to Panzhihua when I bought a pension house. Winter is particularly warm and the climate is good. Immigrant cities are not exclusive and inclusive. Fruits and vegetables are cheap and good all year round. I was in Panzhihua these days on New Year's Day, feeling the sunshine in winter.

(Today's temperature in Panzhihua)

The third plan is to study for my son and make some preparations for my future family and career. My son is now a sophomore, and his grades are OK. He should be able to go to a university of 2 1 1. Four-year tuition, graduate school and so on. The cost is very high.

The fourth is to strengthen physical exercise and strive to receive a 20-year pension after retirement at the age of 60. According to our current level, the monthly pension of the staff in the system is generally around 6000. Live one more year and get at least 70 thousand yuan more. Therefore, "good health is the capital to get more pensions."

The final plan is to have more than 20 deposits at any time after retirement for a few years. "There are unexpected events in the sky, and people are doomed." Only when you have some cash can you save the emergency!