Lang Xianping social security

Life will be really hard for people who have no children to support and no ability to work. Those who have children to support and can earn money by working on their own will never fail to live or be miserable.

1, not everyone has a deposit, and it is normal to have no deposit.

According to the data of the central bank, the balance of bank deposits in China was 72.44 trillion yuan in 20 18. If the total population is13.95 million, the per capita savings deposit is 5 193 1 yuan. But note that this is an average, which does not mean that everyone really has that much.

Lang Xianping, an economist, found through data collection and statistics that in fact, 40% of China people have no bank deposits, which is almost 560 million people.

And now that credit is developed, many people not only have no deposits, but also keep in debt, so whether they have deposits is actually not a standard to measure the quality of life.

2. Not everyone has social security. No social security is normal.

According to the public information in Ministry of Human Resources and Social Security, the number of participants in China's basic old-age insurance in 20 17 is about 9150,000. In other words, there are still many people who have not actually paid endowment insurance. On them? Retirement age? When you arrive, there is no pension.

Moreover, paying old-age insurance does not mean that the elderly are carefree. After all, the payment base determines the level of pension that can be received in the future. The rural old-age insurance here is better than nothing, with a pension of several hundred yuan a month.

3, no savings, no social security, does not mean that the quality of life is poor to be supported, you can rely on your own efforts to improve your life.

But after 50, even if women want to buy old-age insurance, they can't afford it without savings. If they buy it, they will have to make up for the one-time expenses to be paid within 15 years. The amount is not low. Therefore, after the age of 50, those who have not bought social security do not need to buy social security.

However, social security is only a guarantee, and more importantly, viability.

For example, a 50-year-old woman with a family is supported by her children when she is old. She doesn't need to work hard to make money. Whether her life is good or bad depends more on the young people at home.

Of course, if you can work independently to make money, you will be more relaxed and free. You don't have to rely on others to make money, spend it yourself.

If there are none, then you can also consider applying for five-guarantee households. Anyway, a social security system in which one person has enough to eat and the whole family is not hungry should try to ensure the lives of most people.

4. Try to think in the long run and reserve it for yourself? Pension? .

In fact, they have no social security and no savings in their fifties, which may be because they think less about themselves. In the long run, they have no independent economy when they are old, so they can only rely on others or continue to work.

So we can also think about it. Nowadays, many people spend in advance and spend money tomorrow. How about tomorrow?

In fact, it is very necessary to change the concept of consumption, live within our means and save moderately.