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It was a sunny morning, and when I walked into that exquisite little building, a faint fragrance came to my nose. The furnishings are simple and elegant, revealing the owner's taste at every turn. After a while, an elderly couple dressed in casual clothes walked in, looking slightly tired, but still full of sun-like energy.
"Hello, I am Mr. Zhang, who has just retired, and this is my wife." The husband eagerly introduced himself.
"I heard that the two of you are living a very happy retirement life, with a monthly pension of 6,000 yuan, plus two properties and a deposit of 200,000 yuan, this is really a loving couple." I said with a smile.
The two looked at each other, and there was a hint of worry in their eyes. "Truth be told, while our retirement benefits are considerable among the general population, it's still too early to enjoy your old age.
Mrs. Zhang opened her mouth with some hesitation.
They are all retired, with a pension of 6,000 yuan per month, as well as two properties and a deposit of 200,000 yuan, which is already quite a good life in the eyes of ordinary people, but they feel that it is not enough.
I turned on the voice recorder and was ready to hear what they thought.
Mr. Zhang sighed deeply, and his ugly face directly indicated his mood. He said: "Don't look at the fact that we have a pension of 6,000 yuan every month, it sounds quite a lot.
But in reality, compared to the national average, this figure is a bit thin."
He smiled mockingly, and then explained: "The average monthly pension received by retirees nationwide is about 3,300 yuan, in other words, my wife and I only get 300 yuan higher than the average."
You know, we used to be decent office workers, but now that we're retired and our incomes have plummeted, life has become tight.
After hearing this, Mrs. Zhang nodded again and again, her expression gloomy. After a while, she spoke: "Once upon a time, we were still satisfied with this 6,000 yuan pension, thinking that it was enough for us to enjoy our old age.
However, we soon realized that these pensions were far from enough to support us.
Mr. Zhang went on to describe their laid-back retirement: "We now live in the heart of the city, and the cost of living is very expensive. In addition to basic food and gas bills, other expenses such as maintenance and heating also account for most of the pension.
What's more, the heating bill rises in the winter of any year, or as we get older, we suffer from various geriatric diseases and need to seek medical treatment for a long time, which is already quite tense and the burden will be heavier.
Mrs. Zhang took over in disappointment: "You see, I don't even dare to buy cosmetics casually now, and I'm all cutting back on food and clothing." ”
I tried to reassure them: "Although their current pension level is only in the upper middle range, the government regulations will increase a certain amount every year. I believe that in a few years, their pensions will be average.
Taking into account the savings and real estate in your name, I think your retirement conditions should be quite good.
However, the two looked at each other, and they were still sad. Obviously, relying only on a pension of 6,000 yuan is far from allowing them to live a comfortable old age. After retirement, their regular income sources are fundamentally cut off, and their quality of life suffers severely.
Mrs. Zhang looked melancholy, and she sighed: "We were still complacent, proud of our pension, and thought that this money was enough for us to spend our old age in peace. But it didn't take long for us to realize that this money alone was definitely not enough.
A monthly pension of 6,000 yuan is a shamstring in the face of the high cost of living in the city, Mr. Zhang said: "In addition to basic food and water and electricity bills, expenses such as house maintenance and heating already account for most of my income.
Their pension will be very tight in the face of special circumstances such as rising heating bills or medical needs.
Mrs. Zhang also gave in, admitting that she didn't even dare to buy cosmetics at will now, and she was trying her best to save money to live. This Mrs. Zhang compared her income of 10,000 yuan a month when she was working, and the quality of life after retirement plummeted, which made her and her family a little uncomfortable.
Just when I was also worried about the retirement life of this elderly couple, Mr. Zhang suddenly said with a fluttering eyebrow: "Don't look at our monthly pension is only 6,000 yuan, but we still have two houses!" This is our largest fixed asset.
When I mentioned this, their expressions suddenly lit up, as if they saw the dawn of hope. I then asked, "So are you going to rent out that three-bedroom house?" In this case, the monthly rental income should be very substantial.
Mr. Zhang shook his head again and again, and said with a serious expression: "Rental income is not an easy task!" First of all, it depends on the location of the house. If it is in a first-tier city or a prime location in the downtown area, then the rent will naturally be high.
Even for large houses in remote areas, rental yields are extremely limited.
Mrs. Zhang glared at her husband fiercely, and then said, "I only know a little bit." That house we had was near Chaoyang District, where rent was expensive! I've heard that even if it's a single room of only 20 square meters, the rent is more than 3,000 yuan.
Mrs. Zhang shook her head, and her expression became gloomy: "Even if the rent is high, we have to vacate the house."
It dawned on me that I was secretly slandering the retired couple. Indeed, in the family concept of the mainland, many parents have to support their children with most of their income even after retirement.
Mr. Zhang said helplessly: "Yes, we have worked hard for more than ten years to save money for our son to buy a house in the city. Although the son now has his own job, the income is not high, and buying a house is still an unattainable goal.
Therefore, the children can only live in our big house for the time being."
It turned out that the elderly couple owned a three-bedroom luxury property in a great location. If rented out, the rental income will be quite substantial. According to Mrs. Zhang, the rent of that house is at least 10,000 yuan.
Their monthly income includes a pension of 6,000 yuan per month, so the total monthly income can reach more than 10,000 yuan, which is enough for them to live out their old age.
Unfortunately, the good times did not last long, and it turned out that their son is now living in that big house with the family. In order to save money for their son's house, the retired old man stayed up for about ten years.
Although the son is now working, his income is limited, and he is not able to buy his own house at present, so he can only live with his parents in a large house temporarily.
Although the elderly man owns two properties, one of which is in an excellent location, the value of the property is still not fully exploited and the benefits are not fully maximized.
In the traditional Chinese concept of family, it seems that it is difficult for the elderly to get rid of the fate of paying and serving their children.
Although the couple already owned a property and a sizable savings, the road to a secure old age was still not easy, and the disruption of their source of income was undoubtedly the biggest obstacle they faced.
Mr. Zhang said helplessly: "Don't look at our two houses and 200,000 yuan in savings, but in fact, our real disposable fixed income after retirement is only a meagre 6,000 yuan pension."
The more Mrs. Zhang spoke, the more she sighed, "I think that when we were in office, we had a salary of tens of thousands of yuan every month, but now that we are retired, our income has plummeted, and we can barely maintain our daily expenses."
Mr. Zhang said with a solemn face: "Do you know that as we get older, we will definitely encounter all kinds of geriatric diseases. According to statistics, the per capita outpatient cost has reached more than 300 yuan, and once hospitalized, the annual medical expenditure will be higher.
Mrs. Zhang nodded worriedly: "You see, even if we have a pension of 6,000 yuan per month, we have a rough estimate of more than 70,000 yuan a year.
If the house can be successfully rented out, then the annual income may be more than 200,000 yuan. However, in the unfortunate event of a major illness, our savings may bottom out quickly.
Although the current life of the elderly seems to be well-off, they still face a lot of challenges. In the event of a sudden serious illness, they may soon face financial pressure with only their annual income and savings of about 200,000 yuan.
What is even more worrying is that the issue of children has become a major obstacle to their later life. Mr. Zhang, who was red-eyed, said: "You don't know that we are heartbroken for our son to go to school, work, and get married!" The conditions of my son's family are not very good now, and we have to lend a hand.
Mrs. Zhang said guiltily: "Yes, as our generation, we really can't turn a blind eye to watching our children struggle. ”
It dawned on me that it was a big burden to work on the children's lives in their families. According to Mrs. Zhang, the proportion of young people in the country who "gnaw at the old" is as high as a sigh.
"You see, we old people, even if we retire, I am afraid that we will not escape the fate of being 'gnawed old' by our children!" Mrs. Zhang smiled self-deprecatingly, but her eyes were full of melancholy, "When our son gets married and has children in the future, I'm afraid we won't have much pension and savings left."
This once beautiful couple is now entering their old age. They give everything for the future and happiness of their children. At this moment, they should be enjoying the joy of family, but they are still tied up in the lives of their children.
While pensions, savings and property can provide security for their old age, they may not be enough in the face of the combined pressures of medical expenses and children's needs.
Despite the difficulties, the retired couple has not completely given up hope. They are still struggling to find ways to financially secure themselves in their later years.
Mr. Zhang said with a firm look in his eyes: "Although the current situation is indeed worrying, we can't just give up." We also have to find a way to make good use of those 'fixed assets'.
Mrs. Zhang also agreed: "This plan is good, we need to rent out this house, so that we can have at least 10,000 yuan of rental income every month." With the pension, I think our living expenses should be enough.
Mr. Zhang changed his words, "But then, rent and pension alone are not enough. You also know that as we get older, sooner or later we all encounter various geriatric diseases.
Mrs. Zhang took over the conversation and said, "So we have to manage our finances well and invest the 200,000 yuan in savings, so that we can get more returns." She continued: "If we can make the most of the two 'fixed assets' of property leasing and deposit investment, then we will have a solid economic foundation for our later years."
Yes, despite the difficulties that plague them at the moment, there is still a chance for them to breathe new life into their later years if they use their ingenuity. For example, they can invest their savings in financial management, rent out a large house for rental income, and increase their pension every year, so that when their children can live independently one day, they can completely get rid of financial worries.
At that time, they will be able to enjoy their old age with peace of mind. During the day, they can tend the patio at home or relax in the park; And in the evening, they can enjoy a great movie or play.
After retirement, they will have plenty of time to do what they love, and as long as the financial conditions allow, they can live the laid-back life they aspire to.
Seeing the hopeful expressions of this couple, I sincerely wish them to find their own path to happiness and live a calm and peaceful old age. After all, isn't life after retirement all about pursuing your dreams? As long as they work hard, their dreams will eventually become reality.
After some conversation, the retired couple was relieved from their previous melancholy. They recognise that despite the difficult realities, they can look forward to their future life as long as they make good use of their "fixed assets", plan their financial investments wisely, and expect the government's pension level to continue to grow.
"Yes, although we seem to be difficult now, we are not in fact the way out." Mr. Zhang said firmly, "As long as we carefully plan and make use of our existing assets, we will definitely have a better life in our old age."
Mrs. Zhang nodded, and the look of expectation in her eyes resurfaced: "We have to find a way to rent out that big house first, even if we can only get half of the rent, it is better than wasting assets in "vain" like now."
"Yes, yes, do as you say!" Mr. Zhang was very happy, "In addition, the government will increase the pension level for us every year, and when our son is completely independent, we will no longer have to worry about it."
Looking at this once exhausted elderly couple, now their eyes are re-lit with hope and refreshed. With the necessary effort, they will be able to achieve their vision of living in peace! At that time, they will be able to truly relax and live a life of leisure.
Perhaps, they can go out for a walk and get some fresh air often; Or invest in some hobbies, such as playing chess, planting flowers, practicing calligraphy, etc.; They may also often get together with other elderly friends to talk about the past.
As long as they have sufficient economic conditions, they can live the life they want according to their wishes.
On the occasion of leaving, I sincerely wish this elderly couple a peaceful and healthy life in their later years, and all the best.
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