Can you talk about how young people don t pay pensions today?

Because you may not live to the age of receiving a pension.

Although civil servants and institutions deduct their own money, this money is paid by the state, and the state withholds it, which means that the state is paying it, and it is guaranteed every month.

If you pay three times less than you don't, you may not get it after you pay it! Why do you want to pay it?

Only look at the present, don't want to be long-term, and the mouse is short-sighted.

The main reason is that I am afraid that I will not live to retire.

It's still far from the old age, but I haven't known it.

It is estimated that personal finances are tight, and supporting a family, high housing prices, and socializing are all money. It is even worse for those with children, and it is estimated that parents will have to post it upside down.

Young people are much smarter than we are!

It's not a good thing to spend more than you earn.

Whether or not you can survive until old age is still a thing.

Look at the people who don't need money now, the taxes are too high, and young people can only barely pay pension insurance.

There is a saying that there are no young and old on the Huangquan Road.

It's very simple, if a person has a deposit of 5 million or 10 million, there is no need to postpone the retirement, and you can retire at the age of 50, although you can't live the life of Wang Sicong's sports car and yacht, but the interest of 200,000 yuan a year is enough to meet daily expenses.

Young people are decreasing year by year, the house is too expensive, getting married and having children costs a lot, the consumption level is rising, the elderly need to be supported, and the young people are under so much pressure, and they have to plan for their own pensions, which is really difficult for strong people.

The days are all over now, do you care about the future?

I didn't pay much, it increased year by year, and it cost people's lives! It's too vicious.

The pensions of enterprise employees are too small, and young people do not work in factories.

Short-sighted, when you don't use it, you will regret it

Pay a pension to support civil servants! I'd rather get a few hundred more wages a month.

A few young people can't afford to support an old man, and they have to delay retirement, and when they are old, the money is spent, saying that the state finance will make up for it, why not make up now, many jobs will not survive at the age of 65,

Don't talk about pensions, don't even pay medical insurance! Minor illnesses are treated by themselves, major illnesses are treated conservatively, and family members are not tired, and they go all their lives in style.

The company can pay it, but it is really hard to pay it yourself, earning 40,000 yuan a year and paying 11,500. See for yourself.

If I can turn back the time, I will not pay, retired in March this year, state-owned enterprises, 22 years of service less than 1,500 yuan, all the time is wasted in the unit, I advise you to work hard while you are young, the outcome will not be regretted.

If you don't have a stable job, you must have a stable job if you pay social security. In today's society, there are part-time jobs everywhere.

I have no objection to canceling the pension, return all the money we paid to us, and I am most willing to support myself in my heart.

The average life expectancy of Chinese men is 73, retirement is 65, and pension payment is 30 years.

Social security is a universal benefit. Retirement by age makes the disadvantaged groups have no one to rely on, and they are too old to work, and they are not old enough to retire. Survival is hard.

Legal analysis: it is mandatory not to pay a pension. Units and employees jointly pay pension insurance premiums, and flexible employees are paid by individuals.

Legal basis: Article 10 of the Social Insurance Law of the People's Republic of China shall participate in the basic pension insurance, and the employer and the employee shall jointly pay the basic pension insurance premiums. Individually-owned businesses without employees, part-time employees who have not participated in the basic pension insurance in the employer, and other flexible employment personnel can participate in the basic pension insurance, and the individual shall pay the basic pension insurance premium.

The method of pension insurance for civil servants and staff managed with reference to the Civil Servants Law shall be prescribed by ***.

What will happen to young people if they do not pay social pension insurance? I think this is a hypothetical question, and most of the hypothetical questions are not established. At present, the payment of social security has been clearly enshrined in the relevant laws and regulations, in which the labor law and the insurance law clearly stipulate that it is the obligation and responsibility of the company to pay social insurance to its employees in accordance with the regulations.

Therefore, even if it is an obligation to pay social security under the law, the probability of not paying social security is particularly small, because it is a disciplinary violation.

If you have a work unit, and you have established a full-time labor contract relationship with your own work unit, then you should sign the corresponding labor contract in accordance with the regulations, and you should pay personal social security normally from the date of signing the contract, so the responsibility and obligation to pay social security is clarified from the legal sense, so the vast majority of in-service people do not have the problem of not paying social security.

Therefore, most people, who may have a fixed work unit, should rely on their own work unit to pay personal social security, so that the situation will be formed, most young people are actually if they have the conditions, or even must pay social security benefits. There is also a unique group of people who are employed according to the flexible employment method, and of course this freelancer group includes some self-employed groups, and at least 200 million people are promoted on a national scale.

This flexible employment group is free to choose whether to pay personal social security or not. Among them, it is very likely that a considerable number of groups have definitely not paid personal social security, they do have free choice, but most people are still aware of the importance of this social security, and they have actively realized the construction of flexible employment social security, and according to the normal prescribed time for the corresponding payment, so the vast majority of freelancers are actually paying social security normally.

All these aspects are enough to prove that the probability of young people not paying social security is basically non-existent. If you don't pay personal social security, there will be no pension treatment in the future, so the impact on yourself is needless to say. It is not beneficial for oneself, so paying personal social security should in fact have a good effect on young people.

And it is necessary to universalize the practical significance of social security contributions to the individual. In that case, more and more groups who do not pay social security will participate in the social security payment team.

If you don't pay, you will not be able to receive a pension after retirement, and young people who do not pay pension insurance will have a risk of old age.

Now we are using our money to support the elderly, and then our generation is reluctant to have children, resulting in a sharp decline in the number of the next generation, so when we are old, there will be no money to pay pensions, this truth is easy to understand, but there is no way, the social security you pay is a donation, you can't get it back.

It is best to choose to buy commercial endowment insurance by yourself, now it is estimated that it is very difficult to maintain social security, if you are not a civil servant, a public institution or a teacher and other national iron rice bowl occupations, the result of the pension will not leave you much money.

Then the pension model will collapse, because pension is to use the money of young people to support the elderly.

The older generation has a consensus that pension insurance must be paid on time. Because paying endowment insurance means that in your retirement life, even if you don't have children to support, you can support yourself with a salary that is not too much or no less. In the eyes of the elders, the importance of this endowment insurance is no less than "raising children to prevent old age".

But now more and more young people are beginning to "go on strike" and are unwilling to pay pension insurance. There are many reasons for this

1. Lack of awareness of paying pension insurance

Now a lot of young peopleI don't know about the country's pension insurance policies at all, and there is no awareness of taking the initiative to understand. And many of the young peopleThe phenomenon of conformity is obviousIf others don't buy it, they don't buy it, and the concept of endowment insurance is also very lacking.

There are a lot of people around, especially.

Most of these young people in their twenties and thirties, working in the private sector or without a job, do not pay pension insurance contributions. I also asked some of them some time ago, and basically they are all like this. For example, "I don't know much about the state's policy of paying pension insurance, I'm afraid I'll be fooled!"

Or, "I've never cared about that, I'll talk about that later!" "Wait.

Enough to be visible,Most young people's awareness of paying pension insurance needs to be improved.

Second, the prevalence of the theory of the uselessness of paying pension insurance

At present, many young people in my country have such an attitude: "Even if I pay the pension insurance, maybe I can't enjoy it when I'm old, why should I pay it!" "And socially tooThere is a tune that their pension insurance is uselessThis also makes many young people shy away from pension insurance.

The reason for this is based on todayThe current situation of aging in our country is severe.

According to the national census data over the years, China's population is aging more and more, and it has reached an astonishing level in 2020. In contrast, the state has taken a series of measures in response to the aging of the populationOne of them is a possible pre-set policy to raise the retirement age from 60 to 65.

Therefore, on this basis, many young people are increasingly finding that they can not start to enjoy the pension policy until they are 65 years old, and they feel that it is not cost-effective, so many people dare not pay pension insurance.

Third, there is a lot of pressure in society and life

In recent years, the impact of the epidemic has been serious, many industries are facing bankruptcy or layoffs, many young people have lost their jobs, and the price of the market and the first real estate are also soaringThe era of low income and high consumption has left many young people overwhelmed.

First of all, many young people do not have a stable job, let alone a stable income**, and they are unable to pay pension insurance.

Secondly, young families from poor families can only pay for the basic expenses of the family with a month's salary, and there is indeed no extra money to pay for pension insurance.

Finally, after employees inside and outside the system pay for pension insurance, the amount of pension insurance they receive is very different, so many young people also see this, so they are reluctant to pay pension insurance.

The above is the answer to why young people are reluctant to pay pension insurance, I hope it can help you!

Pension insurance is the basic guarantee after retirementBut why are many young people reluctant to do so now?

1.Young people with average income

The income is not high, and the company can deduct less money if you don't pay pension insurance every monthYoung people have a lot of pressure in life, not only to support their families, but also to repay mortgages and car loans, and some have not bought a car or a house, and need to pay high rent, and are in the mood to pay pension insurance?

After solving the problem of food and clothing, we can talk about pension insurancePension is also a matter of forty or fifty years later, and social pressure even makes young people not want to care for the elderlyWhat they care more about than pension insurance is how much salary they can get each month, and what about the rent next month? What about next month's mortgage and car loan?

2.High-income people

Many high-income workers feel that they do not particularly need pension insuranceAfter all, if you have money, why do you have to pay pension insurance?

The extra money can be used for investment and financial management, andThe investment period of endowment insurance is too long, and high-income people pay more endowment insurance every month because of their higher wages, and it is not cost-effective to deduct so much money every month. It's better to take it and invest it yourself, the term is short, and the income will be higher, and it is enough to just take money for the elderly in the future.

3.Farmers

The peasant masses should be among all the peopleI want to pay but I can't pay itOn behalf of the young people living in the countryside, they are really too poor.

Not only are people poor, but places are not richBasically, there is no local company to cover the cost of pension insurance for them, and even if they do, they can only bear the full amount of pension insurance costs.

So is pension insurance really dispensable?

That's itNot necessarilyThere are also retirement pensions around me who get higher wages than when they were working, and they will retire in a few years.

If you haven't paid pension insurance yetThe family conditions are also relatively wealthy, and it doesn't matter whether you buy pension insurance or notBut if you areIf you are born in an ordinary family, then in the future, your parents will be under a lot of pressure, and they don't want to rely on their children without a pension, so they will not dare to retire when they reach retirement ageIt is still recommended to buy endowment insurance.

Today's young people have a worse attitude towards pensions, and if they work normally, they must pay social security, but for those freelancers who do not have a job, they will not pay out of their own pockets. So why are young people now reluctant to contribute to their pensions?

One of the reasons: not realizing the importance of pension insurance

I feel like I can retire at the age of fifty or sixty, and I can retire in another thirty or forty yearsIt's a long-term thing. Besides, when I am old, I only have a pension of three or four thousand per month, which is not enough to support at all. As long as you pay a pension for 15 years, when you retire, you can enjoy your deathThis month's pension is not much, but it is enough for your living needs, and you can enjoy more allowances as you get older.

Reason 2: Life is stressful and I can't afford it

In fact, many young people are unwilling, but their lives are too stressful. In particular, young people who are flexibly employed are subject to social security pensions due to the lack of support from companiesand pay out of their own pocket every monthPerhaps some young people have just entered the society and do not have a good economic foundation, so they choose not to pay school fees。However, after you have enough money, you want to make sure that you don't take your retirement fund lightly before you turn 15.

Reason 3: Pension can no longer guarantee the basic life after retirement

With the development of the economy, people's pensions have dropped from 90 percent to 40 percentIn other words, our pension can guarantee 40% of our life, and this 60% pension needs to be from the family's savings to ensure our own pension. Therefore, many people are thinking, since the pension can not guarantee their own life, why should they participate?

Summary:

NowIn addition, the growth rate of pensions is decreasing year by year, which makes many people feel that paying social insurance premiums can ensure their retirement life. Instead of spending money to pay social security, it is better to earn more money, save more money, save more money, and save more insurance. After retirement, having a stable pension** will also have a great guarantee for your life.