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I saw a piece of news some time ago where the discussion focused on the fertility issues of women of childbearing age. In fact, this is still the old-talking population problem.
Mentioned the need to promote female fertility in order to increase the birth rate, otherwise a series of problems will follow, falling one after another like bony Nomi cards.
As mentioned in the picture, there are increasing problems such as the decrease in the number of women of childbearing age and other related infertility. In fact, I think these are not the main problems.
The biggest problem is that in addition to "being able to give birth", you must also have an attitude of "willing to give birth". And if you want to have an attitude of "willing to give birth", you need to create an environment that is "tolerant of birth".
If you read the above sentence a few times, you will know what it means.
As we all know, the cost of childbirth is quite high nowadays. Just thinking about the food, drink and toilet of your child is enough to give you a headache. Not to mention your children’s education, medical care, etc., will be a nightmare for your wallet.
This society already makes adults suffer, and some people simply don’t want their children to be involved.
Therefore, if you want to improve the fertility of women of childbearing age, you must make fundamental efforts. Don’t just think about providing policy incentives and subsidies and think it can solve the problem. These unrealistic "subsidies" are just like sugar-free Coke, they are just self-comfort.
To solve this problem, we need to fundamentally adjust the social environment. Don't always make people think that having a child is a choice where you have to give up everything. It gives people the feeling that "you are finished after you give birth."
When childbearing becomes a "death situation" in life, then this situation may really be unbreakable. The growth of this problem will cause many problems, such as the elderly care issue that everyone is most concerned about.
With the birth rate low, the problem of aging will naturally become more difficult. Therefore, how to deal with the aging problem has become a topic of concern to everyone.
Some people say that if you rely on the social security pension you pay now and receive money every month when you retire in the future, you can live a pretty good life, right? In addition, I am young now and will retire in 20 or 30 years. It is too early to start saving for retirement.
Actually, it's not too early.
First of all, there is a premise that everyone must understand. Whether you can retire depends on whether you have stable cash flow, not the specific retirement age.
When you reach retirement age and you don’t have a pension, don’t you have to still work?
Secondly, things are different now. Elders who are older than us can now receive good pensions every month, which is the glory of their generation. We are different now. We are the curled generation, curled up to the point where we want to "lay flat".
In addition, the pension pool is supported by young people. As people live longer and longer, the labor force is getting smaller and smaller, so the pension pool is gradually shrinking. The social security pension we pay is only one of the basic pension resources provided by the government. It can only provide basic pension security. But if you rely on the social security pension to make your life rich in old age, it is basically useless.
Not to mention whether our generation can successfully get pensions in the future.
Of course, some people will say that many wealthy people do not buy insurance.
I just want to ask, can we compete with the rich bosses? It’s normal for them not to buy because they have money.
Rich people have money, do they care about the money they spend on medical treatment? The little money they spend will not affect their "simple" life.
We are different. The vast majority of us working-class workers are very vulnerable. Because the so-called life is sometimes more like "survival". If crowdfunding is required due to an accident or a very unlikely event, or a large amount of foreign debt is incurred, it will affect the family's economy and life.
The role of insurance is to transfer this part of the risk. It is not for the rich, but for ordinary people who do not want to live in embarrassment.
If you are not as rich as the big guys, but you still treat your social security as champagne and think you can put on a luxurious dinner, you may find that you can only put together a platter in the end. After all, the pool of pension insurance is getting smaller and smaller. Maybe using social security to pay medical expenses in the future will be like participating in a lottery.
It is basically a fact that you can only rely on yourself for retirement. Therefore, it is prudent to configure yourself some commercial insurance for protection.
You will find that many people, especially young people, are now considering configuring themselves relevant commercial insurance such as pension annuities and savings products, so as to cooperate with social security and take a two-pronged approach to ensure a stable future for themselves.
Like the cost-effective savings insurance I recommended to you before, many people buy it for a simple purpose. It can be used as a pension in the future, and it is forced to save a sum of money in the future. It is that simple.
Therefore, don’t blame young people for thinking about pension topics at a young age. Don’t think that they are short-sighted when they make insurance allocations and pension reserves too early. I think they are the ones who recognize the reality and make the relatively optimal choice after seeing the truth of life. people.
If nothing else, wasn’t it Chinese Valentine’s Day yesterday? But there doesn’t seem to be any Chinese Valentine’s Day atmosphere. Are there many people in your circle of friends posting transfer 1314? Can sanitation workers pick up flowers anywhere in the trash can? Maybe, but the proportion is greatly reduced.
So many people joked that "the dog-licking economy is no longer working." The meaning of "dog-licking economy" here is the literal meaning. I think everyone knows it, and the reason why it is not working is essentially because there is no money. When you don’t have good expectations for the future, you will only cherish the money in your pocket more and pay more attention to spending it wisely.
No flowers, lipstick or Chinese Valentine's Day gifts for the goddess are as practical as saving money for yourself or configuring relevant insurance. After all, "licking the dog" is temporary, and your future is for life.
To some extent, I think this is not bad. If you live alone, then choose to live a better and more secure life. So as I said before, don’t blame many young people now who are starting to think about retirement and configuring protection insurance. They are the ones who really recognize the reality.
What do you think about this? And how was everyone’s Chinese Valentine’s Day yesterday? Welcome to leave a message in the comment area for discussion.
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