Do you feel panic at the thought of retiring when your income drops sharply?

I have more say in this question. I am an employee of a monopoly industry of a large central enterprise and will retire this month. Although my retirement salary has not been finally approved, I have also consulted my colleagues who retired a few months earlier than me under the same conditions. If you are on the job, you will have five insurances and two gold, with the highest payment ratio and a year-end bonus at the end of the year. There are also some other benefits, such as women workers' benefits. Labor insurance benefits and dietary supplements. Add up these 7788, and the average monthly income is about 15000 yuan. After retirement, the monthly income is about 5000 yuan. It is 0/3 of the on-the-job income before 65438+. To tell the truth, at first I was a little flustered and insecure about the sharp drop in income. But it's really unnecessary to think about it. The amount of income is just a number. I didn't spend much money at work. I didn't pay attention to eating. I don't like eating big fish and meat. I prefer plain noodles, and they are lighter. I like to drink some soup. Henan people, confused noodle soup, handmade noodles. Corn porridge, etc. Some simple tea and light rice. Eat some seasonal fruits. I like to wear casual sportswear. I usually do finance, and I used to need tooling when I went to work. You can wear your own clothes in your lower body and sit at your desk all day. You are old. So I always wear comfortable clothes and my lower body is loose. Then after work, the upper body is mainly loose and comfortable. In terms of use, I don't want anything. When I was young, my favorite things were buying furniture and decorating my house. I like some solid wood or mahogany furniture. I spent a lot of money on these furniture, but 10 is durable, and10 will be as good as new in 20 years. My husband and I often discuss the sharp drop in income after retirement. Husband often says that how much you earn is also a number, and how much you spend is what you really enjoy. It's just that the money on the salary card is saved more and less. In fact, when I am working, the most expensive thing is physical maintenance. I started to work at my desk in my twenties, which led to stiff muscles and calcification in my shoulders, neck, waist and even my whole back. Every day at noon or night, you need to go to a massage parlor or beauty salon for back or whole body massage, otherwise you will feel sore all over, and only regular massage can relieve it. These days after retirement, these maintenance are relatively few. First of all, I have plenty of time. I always go for a walk every morning or evening to exercise my bones and muscles. I listen to some beautiful music or some articles to cultivate my sentiment and breathe fresh air. It takes about an hour to walk. I feel particularly relaxed after walking. Although I bought a rocking machine and a full-body meridian massager at home before, I went out early and came back late every day. Since there is plenty of time, I can guarantee to do some instrument maintenance on time. But occasionally I will go to a massage parlor or beauty salon for a full body massage and deep maintenance. From passive movement to active movement. Moreover, when not working, the relative pressure is reduced and the mood is relaxed. I am no longer bound and bound. As the saying goes, qi can make blood smooth, and blood smooth can make all diseases disappear. So being in a good mood is the most important thing. In this world, there are always gains and losses. Think about it, although I lost two-thirds of my salary, I got the liberalization of time. During this free time, I made full use of it, enjoyed it, learned some knowledge and hobbies I wanted to learn before, cultivated my sentiment, exercised my body and enriched my soul. These gains far exceed two-thirds of the salary. Think about it and feel that you have no psychological gap. It's just that these two-thirds of wages are exchanged for another kind of value storage. In addition, it has revitalized the United Nations. I used to lie on the payroll in the form of numbers. Now it fills my body and our soul in the form of energy. So why should we enjoy the national retirement policy? Understand the word "enjoyment" carefully.

Dear netizens, do you still think there is a gap when you see this? So when we lose one thing, will we get another?

I am the kind of person who is flustered, especially flustered and particularly anxious at the thought of retirement salary of about 265,438+000 after retirement in April next year.

I was born in April 1972. Female employees in our company can retire when they reach the age of 50. So, I can retire with honor next April, but I'm not happy at all.

First of all, by the time I retire next year, I will have only 26 years of service. Secondly, our company has always paid the lowest social security fees, so my retirement salary is estimated to be around 2 100 yuan. Don't save it. My family's monthly living expenses are a little tight. Can I not panic?

And these fears and pressures mainly come from the current situation of my family.

My husband, 73 years old, was laid off in 2003 and has been driving a big truck. Later, when I was old, my energy was not as good as before. Three years ago, he invested in an inn. At that time, he thought the prospects were good and he should be able to make some money.

Who knows that the COVID-19 epidemic will come soon and will never end? At the end of 20 19, the inn began to lose money, making ends meet, but at that time, everyone was still very confident and felt that it would pass soon. At that time, there must be retaliatory consumption.

And everyone saw it. After two years of hard work, the inn still can't see hope, and the more money is posted, the more it is posted. Now, it is really untenable, but it can't be turned around. Although the resale price is very low, it is still not transferable. What should I do now? I am flustered and impatient at the thought that the inn can only go out but can't enter, basically losing all my money and getting cold, and you can't feel the same.

Besides, my daughter, who graduated from college last year, has been taking exams and is preparing to take a full-time civil service exam. At present, her job has not been settled, so there is naturally no income without a job. Fortunately, her children are hardworking and sensible, and understand the difficulties at home. Except for the exam fees, she is basically at home, and there is not much expenditure for the time being.

The above is the present situation of my family. In the past two years, the expenses of the inn have been used as a family reserve fund, which is running out. The expenses at home are supported by my salary of about 4,000 yuan per month. If I retire next year, the inn hasn't been sold, my daughter hasn't found a job, and my income is reduced to 2 100 yuan, I don't know what to do.

Stop it. I can't say it anymore. I was in a panic. I'm finally anxious again these days, trapped in panic. I want to go out slowly, adjust my mood and think about things in a good place. I believe tomorrow will be beautiful and full of hope. Otherwise, I will lose sleep again tonight.

Should have enjoyed retirement, who knows, but it is a new starting point for hard life. I have mixed feelings and don't know how to say the gift of life.

10 years ago, there was a big sister in the company who finally reached retirement age (the worker was 50 years old) and went through the retirement formalities with great joy. She got the first month's pension, more than 900 yuan, and was completely dumbfounded. She really wants to cry at the thought of the burden at home.

At that time, in the small county outside our 18 line, the unit income was good, except for all deductions. Ordinary workers like this earn almost more than 3000 a month. Although they are not rich, it is not a problem to pay for their family expenses. What's more, the production and living environment is quite good, and the labor insurance benefits are also good. You have to entrust someone to find a relationship when you go in.

When the elder sister retired, her husband was still at work, which was about two thousand a month. Her son just got married. She has a house to mortgage him and a loan to pay back. Her wife is pregnant. She changes her diet carefully every day and needs money to maintain it.

In the past, when the salary was high, the eldest sister gave her daughter-in-law half a month and told her not to save money on eating and drinking. Now, I don't know what to say next My elder sister's plan is to find a job in the street quickly, get started first, and then make plans after her daughter-in-law gives birth.

Also a big sister. The man works in a public institution, two or three thousand a month. Fortunately, the house has long been bought and the old people have left. The only daughter has graduated from college and has become a home in other places.

When the elder sister retired, her salary was more than 1000. They are old employees of the company. Our company was restructured in 1995, and all previous working years were counted as working years. I raised some money myself, because I didn't have much salary before, and I didn't have much retirement.

Although there is no son at home and the daughter's living conditions are ok, this big sister still opened a shop near her husband's work, which is also used to kill boring time. Second, she has found something to do by herself, so it is better to earn more money, and the quality of life of the elderly will be better.

That's the best thing I've ever heard about pensions.

Pensions are useless to the rich. People are not short of money, and they don't want this little money. They can live without it. For the poor, old-age insurance is the dignity of their old age, the basis for maintaining the old-age life of the poor, and it can save lives at critical times.

For the whole social environment, after all, the super-rich are a minority, and many office workers have no feeling about their work after working for a long time. They are entangled in five insurances and one gold in the unit and will not easily quit. People who have a work unit, the higher the pension base, the better their life will be in their later years.

But in general, the pension after retirement is definitely lower than the salary at work. This is a basic fact. Apart from endowment insurance, the smartest thing for everyone is to do a good job in personal savings or other income-based insurance, so as to provide an extra guarantee for the old, and not to let their quality of life decline because of the sharp drop in pension after retirement. Thanks for your support.

I have 27 years of service this year, and I am in a public institution. If I can retire in 30 years with reference to civil servants, I can retire in 3 years. But at present, institutions have not implemented this policy, and I will not retire until I am 55 years old.

I am now the head of a unit warehouse. My salary is no more than one point, but I take on a lot of responsibilities. If I can retire after serving for 30 years, I will choose to retire without hesitation. My current salary is 3,900 yuan, with performance salary from 600 yuan every month, food allowance of 4,000 yuan per year and year-end performance award of about 20,000 yuan per year. Deduct more than 900 yuan from my housing accumulation fund every month.

If I can retire after serving for 30 years, I will lose all those subsidies except my salary, which will cost a lot of money every year, but I am still willing to retire early.

The place where I go to work is about 7 kilometers from my unit. Most of the time I drive to and from work, and I spend about 600 yuan on gas every month.

Because of the bus reform, every time we go to the countryside, we drive a private car and use it as a bus. We are a public institution, and there is no oil supplement. At present, the office expenses of the unit are tight, and many times they can't be reimbursed when they go to the countryside, but for the sake of work, there is no way but to post them backwards.

I'm under great pressure at work now, and I often take weekends off. Overtime is the norm. As I get older, I feel more and more overwhelmed. If I have to work overtime for several weeks in a row, I will feel very depressed, and sometimes I can't sleep because of work.

Although my income will be reduced a lot after retirement, it is a pity, but I don't care. Personally, I think happiness is the most important thing. After retirement, I will move to the city and go out for a walk in my lifetime to see the great rivers and mountains of my motherland.

I only have one daughter. If I can retire in three years, my daughter has been admitted to college. At that time, I could play as I wanted. I now have two houses for rent, the rent can cover my daughter's monthly living expenses, and the regular interest of the bank can cover my daughter's tuition and various expenses. If my daughter wants to study abroad in the future, my savings can be enough for her to study abroad, so don't worry too much about money.

My husband is an engineer. He often goes to the site to manage the site. Some site owners will find someone to help advance the materials because of the difficulty in capital turnover. People used to look for us, but because my husband and I were both at work and going to see the children on weekends, we didn't have time to take care of them. If I have to retire, I can specialize in this business. With luck, each construction site can earn 70,000 to 80,000, about 1 to 200,000. I still have a pension. Do what you want, and rest if you don't want.

My husband is the manager of the construction site. They ask people to cook for them at the construction site, and the monthly salary is 3000 yuan. They are only responsible for cooking for a few people, not very hard. If I retire, I can go to the construction site to help them cook and do some business, so that I can stay with my husband and make money. Why not? When there is no construction site, my husband and I go out to travel and walk around. This kind of life is really desirable.

After retirement, all aspects of life are not so demanding, just wear clothes and shoes, and no longer pursue fashion, saving a lot of money every year. Because of my age, my digestive ability is getting worse and worse. I dare not eat big fish and meat again. I eat very lightly every day, and my living expenses are no longer so much.

In short, I'm looking forward to retirement. I don't have to worry about things at work and drive to and from work every day. Use more money, use less. As long as you are healthy, it is most important to be happy every day. If I can retire now, I will not only feel uneasy, but also feel very happy!

I am a retired enterprise, and my pension is less than half of my job. I feel panic at the thought of it. If I don't want to lower my living standard, I will talk to my former unit about my advantages and want to be rehired to continue working in my former unit.

That's what I said. First of all, I expressed that I have handled the company's projects, those who need to continue to maintain relationships, and those profit growth points that can be tapped.

The long-term development of our company needs those reserve forces, and I can pass on my experience to young people to help the company develop better.

Analysis of the company's labor costs, in the case of newcomers, due to the lack of understanding of business and customers, problems arise, and the company needs to pay the bill. Replacing the old with the new can reduce some mistakes in this regard. In addition, with the salary of a retired employee, there is no need to pay five insurances and one gold, and the labor cost paid by the company will not increase much compared with that of newcomers.

With my present physical condition, I can finish my work normally and will not delay things because of my age. My previous work style has always been serious and rigorous, so the company is more at ease in this respect.

I have been rehired for three years now and have been doing well. Instead, I brought a few young people, some for family reasons, and some for low wages. I changed a few. Now I hope to bring out a good successor.

After this job stops, I also want to increase my income through code words, so that I can make friends and have a certain income, so that my heart will not panic.

At the thought of retirement, my income will drop sharply, and my heart will panic This feeling is particularly prominent among the temporary retirees who only live on retirement wages in the future and have good welfare benefits in their original units.

Especially for public officials and monopoly industries in large state-owned enterprises, their usual salary level is better than that of ordinary enterprise employees. They make up various subsidies, bonuses and allowances, medical insurance housing provident fund, etc. Because they account for a large proportion of wages, these subsidies and bonuses are almost gone after retirement, and the pension is much less than before retirement, which is psychologically unacceptable, especially for people with high positions and high wages.

When you reach the age, you have to retire. This is a national regulation, and no one can change it. Many people get sick because they can't stand the psychological gap from high income to low income when they retire from busy jobs. This requires self-awareness, self-adjustment, peace of mind and facing reality. If you are physically capable and have a skill, you can negotiate with your unit for reemployment, or find a job that suits you to make up for the sharp drop in income due to retirement, thus alleviating your psychological pressure.

After retirement, I don't have much entertainment. I want to reduce my desire and spend less money. It's no problem to live on my retirement salary. Spend more money, spend less, adjust your mentality and make reasonable arrangements, so the quality of life after retirement is no worse than before.

I saw my colleague, a senior engineer in a private enterprise, retired at the age of 50 after 28 years, and then I was particularly anxious.

I've been thinking, what can I do with 3000 yuan if I don't get back to work? how to survive？ I can't afford a car, and I'm not old enough to take a free bus. Go to the vegetable market to buy the cheapest food? Is it impossible to get a good steak? Dabao for cosmetics? Just cut the makeup! Just take a bath at home. Don't take a bath. Exercise hard, don't get rich, don't get sick, and don't buy new clothes. Otherwise, buying two clothes will kill one month's living expenses, and one year's pension in the hospital will be gone. Do you need a small house to live in? Property fees and heating fees are low; Don't keep cats and dogs, they won't last for hundreds of months; It turns out that you have to learn to do housework by yourself to save money. .................................................................................................................................................................

I dare not think, it's simply terrible! !

We are just the opposite here. After retirement, we get at least twice the salary of our employees, so we don't panic, because our income has not decreased, and we still look forward to retirement.

Some colleagues who have retired in our unit in the past two years have a retirement salary of about 7,000 yuan, while the wages of on-the-job employees have been reduced by nearly half, and the deduction of five insurances and one gold is about 1000 to more than 2,000.

Because the situation here is just the opposite, the income is increasing instead of decreasing, so I won't panic. Of course, this is the "secret" of ordinary front-line workers, excluding those who are cadres, whose income has never been known. As we all know, the level of retirement salary is related to the deduction of old-age insurance benefits when we are on the job, and it is also related to the payment period, because our company is a large state-owned enterprise and pays old-age insurance benefits according to state regulations, and the payment period is relatively long, estimated to be more than 25 years. I can't remember exactly which year. In the early years, when our income was high, we deducted more than 900 yuan from the old-age insurance every month. I looked it up on Alipay just now. The pension in my account is more than150 thousand, and I will retire in one year. It is estimated that my retirement pension will not be less than 7000. Accordingly, the retirement wages of retirees in our unit are generally higher than those of employees, not sharply reduced, but increased, so we are all looking forward to retirement and will not panic.

Does this situation mentioned by the subject exist? There must be this kind, like my wife and teacher retired, and that's what they do.

According to the Teacher Law, the salary of teachers is not lower than that of local civil servants, so in-service teachers not only have a monthly salary, but also have a performance appraisal salary of about 30,000 yuan at the end of each year. If they retire, the money is gone, and the basic salary of retired teachers is still there. What is missing is the salary for performance appraisal. It can be inferred that the income of civil servants, teachers and career planners will drop sharply after retirement, and they may fall into panic. The panic caused by the sharp drop in income depends on the individual. Not all of them do. What people care about is mentality. Everyone has reached retirement age. Is it a little late to talk about making money? So, don't panic if your income decreases after retirement. Do you think that's the reason?

The sharp drop in income after retirement leads to panic, which should be caused by some family reasons. For example, children are not married, and retirement is still the "pillar" of the family. People like this should panic.

Many basic pensions after retirement are around 2,000 to 3,000 yuan. If the children and the elderly at home don't need to support themselves, then a little retirement salary is enough for ordinary life. The fear is that the child is not married yet, and the child needs parents to take money to buy a house, a car or even get married. These retired people will definitely panic. Even if there is such a situation, there is no need to panic and solve the problem when encountering problems. According to the current retirement age, you can still find something to do outside to increase your income. Because I am young, I don't go to square dance or go fishing. You can earn some money to support your family. It is also possible to work for another ten years after retirement. People who work often are in good health. Go and see the old people in the countryside, no matter how old they are, as long as they work.

Everything is happy in the days to come.

Do you panic at the thought of retirement and a sharp drop in income?

It's normal to feel this way.

Who still thinks there is more money? No time to make money!

However, compared with life, money can't compare with the feeling of being alive.

Life and death are always opposing concepts.

The opposite of life is death, and death is rest, no longer participating in the noise of the world.

When you complain that the pension is not enough, have you ever thought that some people have been buried underground and even have no chance to receive a pension?

Therefore, there is no need to worry about the sharp drop in income after retirement. What you really need to worry about is whether you and your family are healthy and how you feel.

All the people and things that affect our mood can be put aside, lighten the burden appropriately and forget our troubles.

People walk in the world, how can everything go well!

You have tried your best to live your life. There are always people who think you are good, and there are always people who think you are not pleasing to the eye and will speak ill of you behind your back.

As long as you act according to your conscience and do things right, don't care too much about other people's opinions.

Retired, less money. A better attitude and good health and happiness are the most important goals.

Spend more if you have more money, and spend less if you have less.

Everything is happy in the days to come.

-End-

Retire next year, and the pension is estimated to be one-third of the on-the-job income. My husband is retiring this year, and the pension is one-fifth of my on-the-job income. Nevertheless, I didn't panic because of the sharp drop in income, because despite the sharp drop in income, it was enough to spend, and after retirement, my expenses would also decrease. As long as I can be healthy, everything will be fine!