The more social security a person pays, the more salary he gets.

Theoretically, the higher the social security base, the more money will enter the personal account.

However, most of the insurance premiums paid go into public accounts, and only a small part goes into personal accounts; In the final calculation of the pension, the sum of the money into the personal account divided by 120 is an integral part of the monthly pension. In other words, if there are two people with the same other conditions, it is the amount of money that determines their pension difference.

Divide the total by 120: It is easy to know through reverse reasoning that it will take about 300 months (about 25 years) to get back the extra money by overpaying 300 yuan.

Therefore, personally, when choosing the social security base, you can estimate your life expectancy before making a decision.

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