Social security can obviously give you something to rely on when you are old. Why are so many people unwilling to buy money?

Hello, landlord, social security can obviously make you old, and you can rely on it in the future, but why are many people rich but unwilling to pay social security? I think this problem should be viewed from two aspects. 1 On the one hand, they have no awareness of paying social security, and they don't know what social security really means. More people may mistake social security for an insurance product and simply do not participate. They think it doesn't matter whether they buy this kind of insurance or not, and they don't understand it as a guarantee or a welfare.

Naturally, he doesn't want to join the insurance. Of course, this situation can actually be explained by popularizing social security, which can actually change some people's ideas and thoughts. Another situation is that he is really rich, because he is too rich. In fact, he simply despises the income from the pension he got after retirement, because we all know that everyone may have three or four thousand dollars, or four or five thousand dollars is already a very good income.

However, some people are very rich. In fact, their savings are enough, and their life for the rest of their lives and even for future generations is completely enough for them to live a lifetime. Therefore, under this premise, these people naturally despise social security pensions, so it is understandable not to pay social security. However, rich people like this are a minority after all, and most of them are in the income of this kind of working class. Therefore, we should pay a social security fund to ensure that our future pension life has a basic guarantee.

Thanks for reading, please add my attention.

Many people are unwilling to pay social security, both for personal reasons and for imperfect social security.

Social security is divided into individual contributions and units and individuals. Most people who are unwilling to pay social security are individuals. If the company pays social security, 8% of the salary is paid by the individual, and 20% of the salary is paid by the individual. However, it is not a small expense for individuals to pay these two parts, and some people will feel that it is not cost-effective compared with the salary after retirement.

Others think that social security is simply a lie. Of course, most people still have no money to pay social security, and a few people don't care about this little money.

Social security in China was only popularized in the last two decades. Many people don't know much about social security. The payment standard of social security is high for most people, but the level of protection is relatively low and the coverage is relatively limited.

There are also great differences between urban and rural social security, and there is still a big gap between the new rural insurance and the urban housing insurance.

The social security system is not binding, which also makes many companies not pay social security for employees. For example, the Gansu Cross-country Marathon, which recently killed 2 1, was sponsored by Baiyin Municipal Committee and Municipal Government, and none of the more than 20 employees of Gansu Sports Culture Development Co., Ltd., which was in charge of the operation, paid social security.

It must be good for you to have social security. You may not realize it when you are young, but you will feel old when you retire. But even so, there are still many people who have money and are unwilling to buy it. Why?

I have to admit that I have to rely on social security when I am old, but social security is not the only way to provide for the elderly. There are many ways to provide for the aged, such as children's pension, housing pension and nursing home pension. Many rich people don't want to buy social security. They feel that saving money is more practical and will not choose to buy social security. Of course, some people use the money paid by social security to fund, so the income will be higher.

Secondly, among many people who are unwilling to buy social security, many people think that the social security system is somewhat unfair. Among them, the retirement age is a big problem. Ordinary women are 55 years old, and employees and women workers are 50 years old. If you want to get this pension, you can only reach this age, which is unfair to flexible employees, so many friends choose to give up paying social security.

Finally, the payment ratio is different. The topic also says that factory workers pay 2000~3000 yuan for social security, but in fact they only need to pay a little. Most of the money is paid by the company. These freelancers, such as those who drive big cars, have to pay all their money to social security, although their income is relatively high. In other words, enterprise employees only bear 8% of the pension insurance contribution ratio, and flexible employees have to bear 20% of the pension insurance contribution ratio.

Having said that, it should be clear why these people who drive big cars don't buy social security with a monthly salary of over 10,000 yuan, while workers with 2,000 to 3,000 yuan in factories have social security. It's not that they don't want to buy it. Who doesn't want to feel safe, safe, safe? Everyone's situation is different, so we can't generalize.

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After paying 50,000 yuan to the country, my mother can get a 600 yuan pension every month. My mother is as happy as a child, but I don't think so. I thought: What are you happy about? I don't know what year and January I'm going back to. Only a few years later, I was severely beaten in the face.

When I was in the second grade of primary school, my family went to the city to go to my father who worked in a state-owned enterprise. After my mother came to the city, because she was a rural woman with no skills, it was difficult to find a job, and she spent most of her time at home as a housewife.

Later, my father's factory needed several cleaners, so my mother went to my father's factory to be a cleaner for several years. Although the salary is not high, the working hours are short. As long as you clean up in the morning, the workers can go home before going to work. Because I am a temporary worker, the unit has never paid social security to my mother.

A few years later, my father's unit closed down because of poor management, and the formal work was transferred to other units, so my mother who worked as a temporary worker lost her job. Later, in order to subsidize the family, the mother helped the neighbors to take care of their children and earned money for a while.

In a blink of an eye, my mother will be 60 years old. My mother has never had a formal job or a pension in her life. At this time, I found that my mother was sometimes very anxious. It turned out that when she saw a woman of the same age retiring at the age of 50 and living a carefree life with a pension, her mother was very insecure. I once told her that you have a son. What are you afraid of? Will I let you go? I'm glad to say that, but my mother is still unhappy.

Two years later, the state suddenly introduced a policy that people over 60 who have never paid social security before can receive a pension by paying 50,000 yuan. As soon as my mother heard the news, she immediately clamored for money. I also went to the community to inquire. There is this policy, but if you pay 50 thousand, you can only get 600 a month. I feel a little unreliable when I listen to it. I get 600 yuan a month, and it will take 10 years to get my money back. It's not good for me to have fifty thousand dollars on me.

So when my mother asked for my advice, I resolutely opposed it, and I calculated an account for her and told her that it was not worth spending 50 thousand to get 600. However, my mother has been saving money all her life, and she is reluctant to spend a penny. This time, she has made up her mind. What she means is: whether I object or not, I have to pay the money.

Seeing that my mother was so determined, I contacted my sister and wanted her to help me persuade her. However, my sister gave me a good scolding. She said: My mother paid 50,000 yuan just to buy a guarantee and a peace of mind, as long as she is happy. Why do we have to calculate the gains and losses? Even if I can't go back to Ben, at least my mother has a sense of security and can be satisfied.

I didn't expect my sister to have such an attitude. I can't understand it. It's obviously a loss. How can everyone enjoy it so much? But then I didn't object, thinking: you will regret it later.

My mother still paid 50 thousand. After completing the formalities, she waved the bill in front of me and proudly said, Your mother will have a pension in the future. When my mother received her first pension, frugal mother cooked a good dish for the first time.

Since my mother got a pension, the whole person's mental state is different, and she is very happy and full of energy every day. She said to me: When there was no pension before, I was most afraid of being a burden to you. Now I can support myself, not only will I not be a burden to you, but I can also help you. I think my mother is so happy. For the first time, I think what my sister said makes sense. Too concerned about gains and losses. This 50 thousand yuan should be a happiness for my mother in her later years.

As it turns out, my mother is right. The national pension has been rising, and so has my mother's pension. In five or six years, my mother's pension rose to 2000, and the 50 thousand yuan she paid had already been paid back. My mother often tells me: Xin Kui didn't listen to you at first. You are really a dog head strategist. I am also embarrassed at this time, deliberately complimenting her: Mom is still fierce, tall, really tall!

My mother didn't have a formal job all her life. Because she didn't pay social security, she didn't have a pension when she was old. This is the biggest pain in her heart. Later, the state had a policy to pay a sum of money to receive a pension, but my mother ignored my objection and did not hesitate to pay it. I didn't understand it at the time, but it turned out that my mother was right.

Pension is not only the income of the elderly, but also a guarantee. What they are most afraid of is becoming a burden to their children when they get old. Now they can not only support themselves, but sometimes they can subsidize their children with pensions. I didn't understand it before, but later I realized that my mother's painstaking efforts were all for me.

These people we are talking about have no formal jobs, and the employer has not paid social security for them, or they don't have to pay it, and then they don't want to pay it themselves. Let's analyze the reasons why these people are unwilling to pay social security.

1, some people are still young and have no long-term consideration. Young people, more is to consider the immediate things, decades later, it is still far away! They have no sense of urgency to provide for the aged, and think that it will take decades to pay social security now, which is a complete waste of money, so some young people will not take the initiative to pay social security, or think about paying it in a few years.

2. Some people earn too little and have a heavy family burden. Their low income may be due to their own reasons, such as low academic qualifications and lack of skills. It's hard to support a family with this little money, so how can I have extra money to pay social security? Although they know the importance of paying social security, the facts do not allow it.

Some people feel that their jobs are unstable and it is difficult to pay social security. For example, some units will pay social security for you, but many people still choose not to pay it. This is because they will think that my work in this unit is only temporary and may leave in a few years. If I really quit my job, if I want to keep my social security, I have to hand it in to someone and myself. If I don't pay, the money I paid before will be wasted. So this group of people feel that the trouble is simply not handed over or handed over later.

4. Some high-income people think that they can provide for the aged without paying social security. They have strong ability, high income and don't care about pensions, but I think such people are still in the minority. After all, a mosquito is a piece of meat no matter how small it is. Paying social security money is nothing to them. They can pay at any time, maybe a few years later.

Summary: There are various reasons why many people don't pay social security or temporarily don't pay social security when they obviously have money, but I suggest paying as much as possible if possible. Just like my mother, although she receives very little money every month, the money is not only a kind of income for her, but also a kind of guarantee and psychological comfort.

Some young people think it will take many years to get old, but we should make plans while we are young, because people will get old one day.

As for people with low incomes, they should also make a plan for themselves, such as how old to start paying, or squeeze out a little money to pay the minimum social security every month. I think such people should find a way to pay social security. Pensions are more important to them, and this importance will gradually emerge with age.

I know several such people. One is the reason of life planning, and the other is the factor of personal outlook on life. Under China's social system, social security is good, social stability is high, and legal policies are stable and sound. In theory, it is not difficult to find a job with social security (salary may be lower after deducting social security expenses). The main reasons why people I have contacted don't participate in social security pension are as follows: First, muddling along, one day at a time, preferring to take a higher income to improve their current living conditions and talk about it later. Second, I don't want to plan my life, I don't want to make long-term plans, and I think the policy will change. It is better to save money for the elderly. Third, the social participation is low, the education level is low, and it is greatly influenced by the circle. It is often said that "I may not live to retire, and it is not cost-effective to pay social security for the elderly, just to help others support the elderly." Once people have these ideas, it is basically difficult to change their views and thinking through communication. Because people with low cognitive level stubbornly believe that their way of thinking and their cognition of society are right and true, and they do not accept any refutation. I also earnestly said that several elderly people without social security want to find a job with social security, but they all call me mother-in-law and mind my own business. [Picking nose]

I think there are three main reasons:

First, some people really don't care about that little pension.

Second: I always feel that I will not be old. What's the hurry? Do you know that life is a lifetime in the blink of an eye?

Third: Some people have everything, but when it comes to paying social security, they feel powerless.

I have such a boss, two daughters, a full-time wife with children, and two high-end cars at home. Whenever I talk about social security, I always say that I don't know if I can live to receive a pension; If it continues, money is irreversible.

One day, I carefully calculated an account with him and told him over and over again: I must pay social security. Last year, he told me that he had started to hand it in. He is 4 1 year old this year.

Again: everyone, everyone has an old day and should have a plan.

Personal ideas are different. If you have money but no money, you should pay or pay. Life is impermanent, things are unpredictable!

Colleague 1995 resigned to do business in the sea. At that time, he had just started to pay social security. He didn't realize that he could earn a lot of money when he was young. 10 years have passed, and his business has not improved, so he just muddled along. At that time, his family advised him to pay social security, only pension and medical insurance, and later pension was guaranteed. When he asks, he needs to pay more than 20 thousand yuan He waved at once. A construction, breaking his thigh in violation of regulations, only accompanied by the contractor 10000. Without medical insurance, I will pay 20,000 to 30,000 at my own expense later. Now the local endowment insurance can't be paid, and now he can't pay if he has money!

So take precautions while you are young, and your life will be guaranteed in the future. Don't drag down your family and children. Why not? Come on, migrant workers, plan well and have a worry-free future!

This is reality. Pay today, get the money tomorrow, isn't it just to break the head and pay? Vaccination is an example. When the country is free, people line up every day. Who started the rumor: charges will be charged on June 1 day. Those who are not busy and hesitate to take a taxi all leave their jobs and rush to the inoculation point.

In the final analysis, the time for social security to pay the repayment principal is still too long, and no one can predict his life. Many people are afraid of losing money, even if they have money, they are unwilling to pay.

This is divided into two aspects. One is a poor family. Some people in both urban and rural areas are too poor to pay such a large sum of money. Secondly, the awareness of social security is not strong. People who have money to eat, drink and be merry are unwilling to pay social security. They always feel that the money is very practical in their own hands, and they are afraid that it is not worthwhile to hang up without paying social security.

The wages of ordinary workers are enough for the living expenses of a family. If you buy insurance again, you might as well go to Jinggangshan again.