Introduction
Nowadays, many of us are particularly envious of the elderly who have pensions in their later years. The main reason is that after these elderly people reach their later years, they no longer have to work hard every day as before, and they no longer have to bear the huge burden. work pressure, not to mention the complex interpersonal relationships among colleagues, such as intrigues and intrigues, etc. On the contrary, in the future, our elderly will basically do nothing and only need to receive monthly payments. Pensions are enough, and most of these pensions can allow our elderly to live a happy life without worrying about food and drink in their later years. Even the wishes of many of our elderly people will be realized because they have pensions in their later years. Really come true.
On the surface, if the elderly have a pension, their material life in their later years can basically be guaranteed. At the same time, most of the elderly’s needs in other aspects can also be met. From this look, for the elderly with pensions, they We should live a particularly happy and comfortable life in our old age without any worries. But in real life, many of our old people not only receive monthly pensions in their old age, but also have a lot of savings in their hands. But their old age is very painful. One of our 69-year-old man said: "Although I have a monthly pension of 5,000 and a deposit of 400,000, I still don't have enough money." What is going on? ? Let’s listen to his story together.
The self-report of 69-year-old Uncle Ge
My name is Ge Weidong. I am 69 years old this year. I am an authentic northerner. When I was young, I worked in a certain unit and my wife worked in a certain enterprise. It was because my wife was usually diligent and thrifty. Housekeeping, coupled with the fact that I am relatively economical in spending money, therefore, after my wife and I retired, we not only received monthly pensions, but also had more than 400,000 in bank deposits. .
In the eyes of outsiders, we have such good economic conditions, so in my later years, I should be able to live a comfortable life with no worries about food and clothing, and be extremely happy and comfortable. To be honest, that’s what I thought at the time. , but the actual situation is that the money I have now is simply not enough to spend.
I retired from my work when I was 55 years old, and my husband also retired from the company shortly afterwards, because at that time we had hundreds of thousands in bank deposits, plus the two of us still had more than 7,000 yuan in total every month. As a result, we lived a very good life in our later years.
Usually we can buy whatever we want and spend whatever we want. After all, we have such financial strength, so we should enjoy life in our later years, but all of this is in my After the death of my wife, great changes took place.
My wife passed away seven years ago. After my wife passed away, I was very sad and my mood was extremely low. I was planning to live in a nursing home in the future. After all, a person's later life will probably not be the same. I will be happy. Instead of doing this, I might as well make arrangements early.
But just when I had everything arranged and was about to leave for the nursing home, my son who was far away called me and asked me to help them take care of their children because they could not find a suitable and reliable nanny. So in In this case, I had no choice but to leave my hometown and go to other places to help take care of my grandson.
I originally thought that raising a grandchild would be a very easy task, but when I actually helped to raise a grandchild, I discovered that raising a grandchild is really a very hard and tiring thing. Not only that, raising a grandchild is also special. Costly.
If nothing else, let me just say that the milk powder that my grandson usually eats is a big expense. Although there were cheap milk powder for more than 100 yuan at that time, I would still choose the better milk powder for 500 to 600 yuan. Milk powder, in this case, the cost of milk powder for a child alone would cost more than 3,000 yuan.
Moreover, the cost of diapers for my grandson, as well as the cost of going to the hospital for treatment and medication when he has a headache or a fever, are also a lot of money. Calculating this, I really don’t have much money left in my monthly pension.
Later, as the grandson grew up, the places where he needed to spend money were getting bigger and bigger, and the amount of money he spent was also increasing. Although he no longer needed to buy milk powder, he When he grows up, he needs to buy toys. In addition, he also needs to buy all kinds of clothes, shoes and hats.
Children's toys are really expensive nowadays. Every time I take my grandson to the supermarket to buy toys, I can't buy them without a few hundred yuan. Sometimes a toy even costs several hundred yuan. Similarly, my grandson's clothes are also very expensive. Anyway, I have never paid more than 200 yuan for clothes for my grandson, so I still stick to the cheap ones.
Also, every time I take my grandson out to play, he wants whatever he sees and plays with whatever he sees. I basically satisfy all his needs.
As a result, my monthly pension is not enough to spend, so I can only take money from my bank deposit to spend it. Otherwise, I really don’t know what to do.
Not only that, while I am helping to look after my grandson at my son’s house, I am also responsible for all the housework at home. The most important thing is that I am also responsible for daily living expenses, water, electricity, gas, etc., and these The expenses basically have to come out of my bank deposits, after all, my pension has been spent all before.
At this time, someone said, it’s okay for you to help take care of your grandson, why do you still need to pay? You should ask your son for money. To be honest, I don’t want to do that either. It’s just that when I first asked for money from my son, he always refused to give it for various reasons. Later, I simply asked him for money. Don't ask for it anymore.
Originally, I thought that when my grandson grew up and went to school, I would leave my son’s house immediately. After all, since I came to my son’s house, not only have they spent every penny of my monthly pension of 5,000 yuan, but also I am The 400,000 yuan deposit in the bank has also been spent a lot. If I continue to stay here, my 400,000 yuan deposit will most likely disappear. Who can bear this?
But the plan was far from changing quickly. Just when my grandson was about to enter school in a few months, my son asked me to borrow 300,000 yuan on the grounds that it would be convenient for my grandson to attend a better school in the future. Give him 1 yuan so that he can buy a house in the school district.
To be honest, my son’s suggestion made me very embarrassed at that time, because if I gave him the money, he would naturally not pay me back in the future, but my savings were all prepared for my future. If I give him the pension money, what should I do if I need money in case of an accident in the future?
But if I don’t lend him money, my grandson will not be able to go to a good school in the future. My son will naturally blame me for this. Maybe he and I will become strangers to each other, and we may even live together forever. contacts.
Perhaps my son has already seen my difficulties, so he told me that the money he lent me will definitely be returned to me in the future, so I can rest assured that as long as I am willing to lend him money. , he will definitely try his best to provide for me in my old age in the future. He told me that I don’t have to worry about this.
Since my son’s words have come to this, it would be unreasonable for me to refuse, so I had to spend 300,000 yuan to let him buy a house. Later, my son finally bought a house in the school district.
I was very happy at first, but what I didn’t expect was that my son and daughter-in-law became uncharacteristically disgusted with me. Seeing this, my intestines were filled with regret. I never expected that things would develop to this point. In this current situation, if I had known about this situation, I should not have lent them 300,000 yuan.
The more I thought about it, the angrier I became, so I immediately chose to move out of my son’s home and return to my hometown. At this time, I only had less than 50,000 yuan left in my savings. There was still a long way to go, and later I found another job for myself. Although the salary of two thousand yuan a month was not very high, I was very content and happy. At least I would never do it again. Don't worry about not having enough money, that's better than anything else.
Small conclusion
Uncle Ge’s self-narration really makes people feel very sad and uncomfortable. Although in his later years, his wife left him first, but even so, with his monthly income If he has a pension of 5,000 yuan and a bank deposit of 400,000 yuan in his hand, even if he will not live a particularly happy life in his later years, he will not live a particularly bad life, at least it should be It's okay to have enough food and clothing, to eat and drink, and not to worry about running out of money. But in fact, later he fell into a miserable situation where he still didn't have enough money. So all of this stemmed from his having a problem with everything. He was scheming and gnawing at his old son, and he didn't know how to "avoid risks" correctly and didn't refuse decisively. Otherwise, my later life would naturally be different. To put it bluntly, this As much as he has his problems, there are also his son's problems.
Therefore, we other elderly people must actively learn from Uncle Ge’s experience and lessons to prevent such unfortunate tragedies from happening to us in the future. Therefore, my personal suggestion is that the elderly help their children take care of their children in their later years. , or when helping your children to do other things, you must do it within the scope of your own conditions in all aspects, and never "do it knowingly that you can't do it." What's more, when it comes to various "things" for your children, Our elderly must not compromise and tolerate the behavior of "gnawing at the elderly" over and over again. Instead, they should decisively reject it. Otherwise, the elderly are clearly harming others and themselves. The most important point is that unless it is absolutely necessary, our elderly should not let their children know about their family circumstances. Especially for those children with bad conduct, our elderly should be more secretive.
