What will it be like to retire and have no savings?

You will be afraid that you will get sick. Because they are already elderly after retirement, they are prone to physical problems, so if they have no savings in their hands, they will be very afraid of getting sick and afraid of what will happen to their families, after all, there is no sense of security without money.

After retirement, you can receive a pension, and you can use half of it to save, if you can't save it, you can only become a moonshine family, or you are in debt.

If you don't have any savings after retirement, you can only rely on your monthly pension. Live. If you don't have a pension, it's very unreliable to rely on your children.

It's going to be a very painful situation because you don't have any savings in your retirement and you may not be able to move on and do what you want to do.

This situation is more embarrassing, because you can't afford to buy what you want to buy, and you can't live the life you want.

I am afraid that my children will dislike me, and I dare not buy what I want, nor dare I get sick. People should work hard when they are young, not only to realize their own life value, but also to be able to have money to prevent old age in the future.

It should be a very awkward and very difficult situation because I can't afford to buy what I want.

Some people do earn enough money and retire early, but there are also people who take the initiative to reduce their material desires and live an ideal life by breaking away.

For most people, who are unable to make a lot of money, Chi Gao's best way is to save more money.

Daily expenses can be roughly divided into two categories – rigid expenses and flexible expenses.

The so-called rigid expenses are those that must be spent, such as rent, loans, etc.; Flexible spending, usually to improve happiness, such as visiting restaurants, traveling, etc.

If the rigid expenses exceed 60%, such as a monthly salary of 10,000 yuan and an expenditure of 6,000, it is basically difficult to save money.

Ideally, the rigid expenses should be less than 50%, plus 20% of entertainment consumption, and the remaining 30% should be saved.

Of course, if you want to fire as soon as possible, it's no problem to open the yard and lower it a little more.

2.Find the right financial products to achieve long-term returns.

Early retirement means a lot of time, and how to get long-term and stable income in the future is crucial.

Save enough for 25 times your annual expenses to achieve early retirement:

For example, if your monthly expenditure is almost 5,000 yuan, then it is 60,000 yuan a year, and 25 times is 1.5 million yuan.

When you save enough 1.5 million, you can retire.

Although I yearn for early retirement, I am still skeptical about the 25 times.

If you don't get sick after retirement, don't have other major necessary expenses, and this part of your savings can maintain a steady growth of 4%, 25 times should be enough. Second, there is also a large difference between people and people's incomes.

Some people earn 3,000 a month when they check it, and some people earn 30,000 yuan a month, and the difficulty of saving money is completely different.

Of course, some people may start earning less, but the growth rate is very fast, so it should also be taken into account.

In addition, it is also related to the personality of the person.

I know a girl who has money in her family, but she is very thrifty, and she has saved all the money given by her parents, and she has already saved more than 200,000 yuan just after graduating from college.

Of course, there are so many people who can't make a lot of money, but they spend money everywhere.

Therefore, how much to save for retirement should be considered according to your actual situation.

1. People who have a pension.

Some people have insisted on paying social security since they first started working, so that they can receive a monthly pension after retirement. It's not much, but it's enough to cover your daily expenses. At this time, if you have a certain amount of savings in your hand, even if your children do not receive additional subsidies, your retirement life is very comfortable.

Generally speaking, for those who pay social security, they only need to have a deposit of 20 300,000 yuan. The money can be deposited in the bank on a daily basis, or deposited in a relatively safe way to manage funds, such as the consignment sales of the foreign trade economic platform that has risen in line with the general trend, the 30-day period, the profit is 1%, etc., and the income obtained is used to subsidize the family. In case of illness or emergency, the money can also be used to deal with it.

2. People who do not have a pension.

In real life, there are many people who have not paid social security for various reasons, and such people do not have a pension to protect them after retirement. However, only if you save enough money before retirement, you can also live a decent life of raising Nianshan.

It is understood that China's current average life expectancy is 77 years old, if you retire from the age of 60, there will be at least 17 years of pension life, and then the current monthly pension standard of 3,030 yuan, you need to save enough 600,000 yuan in deposits. Of course, this does not include the large additional costs.

In addition, it is worth mentioning that nowadays prices are ** year by year, while the purchasing power of money is constantly decreasing. In addition, if you live a long life, looking forward to the future, the risk of relying on savings for retirement is very large. And people will inevitably get sick, once they get sick, the expenses will be countless, and the retirement life will also be affected.

Therefore, people who want to rely on savings for retirement should save as much money as possible.

On the issue of decent pension, money is one thing, and the social environment is also one thing. In recent years, many pension policies have also been improved at the national level, so even in old age, the elderly with insufficient economic security do not have to worry too much. Of course, if you have the means, you can naturally save as much money as possible when you are young for a rainy day.

In summary, the more money you save, the better.