It is not cost-effective for individuals to pay social security fees.

As the compulsory insurance of the country, social security has its foundation. Although social security can only solve the problem of food and clothing, how can we enjoy happiness in our later years if we don't even solve the problem of food and clothing?

First of all, you left without waiting for retirement, and the money in your personal account is reserved for your heirs;

Secondly, it is really not cost-effective to live beyond 10 after retirement, but when you are 55 years old, medical technology will definitely be different. I think it's even harder to live after 65. The average age in 2008 was 72 years old, which is self-evident after several decades.

Finally, the bank's interest-bearing method is simple interest, which can't meet the speed of inflation at all. It's much better to buy a commercial dividend life insurance!

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Further reading: How to buy insurance, which is good, and teach you how to avoid these "pits" of insurance.