Is it cost-effective to pay social security? I need to pay social security for more than 40 years, and then I don't know for a few years.

If you pay social security by yourself, the cost is still very high. In addition, individual contributions cannot be credited to individual accounts, 60% of the required contributions are credited to the overall fund, and the other 40% is credited to individual accounts. Under normal circumstances, the monthly social security paid by individuals is 0.2* payment base, and the annual payment base is rising. 0. 12 is classified as overall fund, and 0.08 is classified as personal account. Proportionally, 60% is listed as a pool fund and 40% as a personal account.

At present, the pension insurance must be paid for at least 15 years, and the pension can only be received at retirement age.

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