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. Middle age is a stage in life that connects the past and the future. There are parents to support and children to worry about in the future. If there is no advance planning, the happy life in later years may be ruined.
In order to live a more stable life in their later years, after they reach middle age, they will attach great importance to money. If they want to save more money, they will save whatever they can in life, and they are extremely resistant to spending money. .
After all, after reaching middle age, their body and energy are not as good as before, and their income may also drop sharply. Saving money is the most direct and effective way they think to deal with the reduction in income.
But just because someone saves more money does not mean that they can really save a lot of money for retirement. Some money cannot be saved. The more you don’t want to pay, the more God will find ways to make you pay more.
After middle age, no matter how poor you are, don’t save three kinds of money. The more you save, the poorer you will be.
1: Don’t save money on medical treatment.
Middle-aged people have a heavy burden on their shoulders. They have to take care of the elderly and the young, and they are under heavier pressure than other people. Most of them are ordinary people with average incomes. Apart from daily expenses, they usually have little income left.
does not have the ability to open source, so they can only save money to reduce expenditures, trying to preserve the few deposits and maintain a pitiful sense of security in this way.
Even if they feel uncomfortable, they don't dare to seek medical advice easily. They just keep putting it off, hoping that the pain will heal on its own.
This is the case for the 52-year-old neighbor Uncle Chen. He is self-employed and his body has already set off an alarm due to daily fatigue, but he always holds on and tells his family that the problem is not serious.
Later, when he couldn't hold on any longer and was sent to the hospital, the doctor said that if he had arrived 20 minutes later, he would have died. It involved life and death, and the cost was naturally huge, but he could only feel sorry for his money with tears in his eyes while being hospitalized.
Uncle Chen’s illness was completely caused. If he had gone to the hospital for treatment in time when he started to feel uncomfortable, there would have been no life-and-death test later.
Going to the hospital while the condition is mild will cost a small amount of money. Waiting until a minor illness turns into a serious illness to go to the hospital again will cost the entire family’s life savings. Which one is more important or less important? No need to say more.
2: Don’t save money on insurance
After middle age, your health will deteriorate, and you are more likely to have physical problems than when you were young.
At this time, you should take precautions and arrange insurance in advance to protect your life and property safety.
I have seen many families who have fallen into poverty due to illness. This is because they have no awareness of buying insurance and are unable to do anything in the face of a serious illness. A serious illness may require most of their life savings to be invested in it. Even families that are already well off may become heavily in debt.
I heard a true story. A rural woman complained that the cost of the current cooperative medical system was increasing year by year, so she did not want to buy it. Her son found out and secretly helped her pay the fees for the second year without telling her.
During the Qingming Festival in the second year, the woman suffered a cerebral hemorrhage and her life was hanging by a thread. The intensive care unit, post-hospital care, and rehabilitation expenses cost nearly 200,000 yuan... After reimbursing this expense, their family only spent tens of thousands of yuan.
Her family was afraid. If they had not bought this insurance for her at that time, their family would not have been able to afford such a large sum of money given their financial resources. Without the help of insurance, I'm afraid they would be saddled with a huge debt.
Insurance is the most powerful means to protect the safety of life and property. After middle age, if you are not willing to spend a small amount of money to buy insurance, you may face greater expenses in the future.
Three: Don’t waste money on helping your children to start a small family.
After middle age, children start to build their own small families. Young people who have just gotten married generally have a harder time.
After getting married, you need to welcome the arrival of a new life. Your income will decrease and your expenses will increase...
As a parent, if your children are in trouble and come to you, you should help them in time. This is not only because you are related by blood, but also to help them when they are in trouble, but also for the sake of your own old age.
The relationship between parents and children is to help each other. Only by supporting each other, uniting and helping each other, can everything prosper if the family is harmonious.
If you ignore your children when they need help the most, it will not only affect the relationship between you, but also the financial fortune of your big family in the next few years.
After middle age, no matter you are poor or rich, I advise you not to save the above three types of money. The more you save, the poorer you will be.
Spending money where it should be spent is more valuable than holding it tightly in your hands. This is the foresight that middle-aged people should have.
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