Why is social security rising so high this year?

If we don't pay social security, wouldn't it be better to leave the money in the bank? I believe many people have such a plan or such an idea, but I don't understand whether it is right or wrong to do so. In fact, the cost of paying social security is getting higher and higher, which is not necessarily a bad thing for ourselves.

Why do you say that? Because about 8% of our social security contributions will go into our personal account in full, which means that the more you pay, the higher your personal account balance will actually be, and the corresponding result is that we will enjoy a one-month pension in the future, and it will only increase. So saying it is not necessarily a bad thing.

However, many flexible employees or freelancers pay social security in full, so their economic pressure is relatively high. The increasing social security fee every year is a big expense for him. For example, he may have only paid 8000 yuan last year, but this year, due to the change of social security base, the consumption level will also change. Even if the minimum standard is selected, it may increase from 8000 yuan to 8500 yuan or even more. Many people will have ideas, or will be discouraged, or a considerable number of people will pay the basic old-age insurance at 15 according to the minimum payment period. Obviously, I don't think this is appropriate. If you meet the payment of 15 years before reaching the legal retirement age, you should not stop paying social security benefits, because the level of benefits you enjoyed in 15 years is really low, and the income you will get after retirement in the future is also low.

More importantly, let's think about it. We don't pay social security at all Can we deposit this money in the bank? In fact, this idea is completely unrealistic. In a bank, you are either a current deposit or a time deposit. Whether it is a current deposit or a time deposit, the rate of return and the rate of return are very limited. You have a lot of money in the bank. In short, you will always spend all your bank savings. When you spend all your bank deposits, what will you do for your future pension and how to solve it? Have you considered this question? If I believe that everyone will carefully consider this issue, many people will not choose to support the elderly through bank deposits, because after all, we can receive pension benefits for life after paying social security, and the pension benefits will increase with the continuous increase of your retirement years.