Ever had the feeling of having to retire and panicking at the thought of a sharp drop in income?

This is a question I have more of a say in. I am this month's retirement of a large central enterprise monopoly industry employees, although my retirement salary has not been finally approved out, but also consulted than I retired a few months earlier than my colleagues under the same conditions. In the case of employment, it is five insurance and two gold, the proportion of the payment ratio, the unit are top payment, to the end of the year and the year-end bonus. There are some other benefits, such as female labor benefits. Labor insurance benefits as well as meal allowances. All this adds up to an average monthly income of about 15,000 dollars. After retirement, the monthly income is about 5,000 dollars. To be honest, at first I was a bit panicked by the sharp drop in income and felt insecure. But think about it really is not necessary, the amount of income is just a number, I used to work when the consumption is not high, in the aspect of food I do not pay attention to, meat, fish and meat, these I do not like to eat. I prefer to eat vegetarian noodle food, and it is a little lighter. Like to eat some soup soup water. Henan people, the paste noodle soup ah, handmade noodles ah. Cornmeal porridge and so on. Eat some seasonal fruit. Clothing I like to wear casual sportswear. Usually do is the financial work, the previous in the work of the upper body need to wear uniforms. The lower body can wear their own clothes, all day sitting on the workstation work, and age. So the lower half of the body dress me to comfortable loose mainly. Then the upper half of the matching off-duty body is also based on loose and comfortable. In the use of the aspect, I this person does not want anything, before the young favorite is to buy furniture and decorate the house, like some solid wood or mahogany furniture, these furniture purchases spent a lot of money, but 10 points durable, 10 years 20 years is still like new. I also and my husband often discuss this issue about the sharp drop in income after retirement, my husband often say, earn how much is a number, spend how much is their own real enjoyment. But it's just a matter of saving more and less money on your paycheck card. In fact, when I was working, I spent the most on body maintenance. I've been working at a desk since I was in my twenties, and the resulting muscles in my shoulders, neck, waist, and even my entire back are stiff and calcified. Every day at noon or in the evening, you need to go to a massage parlor or beauty salon for a back or full body massage, or else your body is sore, only frequent massage can soothe some some. Retirement of these days, these maintenance is relatively less, first of all, time is abundant and loose, I always go for a walk every morning or evening, activities, while walking, while listening to some beautiful music or some articles to cultivate their own sentiments, breathing fresh air, about walking for about an hour or so, walk after feeling particularly relaxed, although I used to buy a swing machine at home, there are Although I used to buy a swing machine and a whole body meridian massage instrument, but every day early morning and late at night, come back from work is also physically and mentally exhausted, just want to lie down, and did not do the instrument on time. Now is the time is generous, can ensure that on time to do some equipment for maintenance. But occasionally go to the massage parlor or go to the beauty salon to do full-body massage, in-depth maintenance. From the previous passive movement has become active movement. And do not work, the relative pressure is also reduced, the mood is relaxed, no longer constrained, and no longer subject to constraints. As the saying goes: only when the qi is clear can the blood be smooth, and only when the blood is smooth can all diseases be avoided. That is why a good mood is the most important. The world is supposed to have something to gain and something to lose, think about it, although I lost 2/3 of the salary, but got the liberalization of time, in this free time, I make full use of it, enjoy it, learn before some want to learn and have no time to learn knowledge and hobbies, cultivate their own sentiments, exercise their physical fitness, and enrich the nutrients of their own souls. These gains are far more than 2/3 of a paycheck. Think of it this way and you don't feel like you're mentally falling short. It's just that those 2/3 of a paycheck are exchanged for another value to store. And it's revitalizing it, before it was lying in the form of a number in the paybook, now it's filling my body and our soul with energy. So why do we say enjoy the state retirement policy? Experience the word "enjoy" carefully.

Dear friends, see here you still feel the gap? Then in the loss of one thing at the same time is not we also gained another thing?

I am, as soon as I think of my retirement pay after retirement next April is estimated to be about 2100 dollars, I am panicked, especially panic especially anxious kind.

I'm 72 years in April, our enterprise female workers can retire at the age of 50, so next April I will be able to retire honorably, but I am not happy with a drop.

First of all, to next year's retirement, I have only 26 years of service, and secondly, our unit has been paying social security is to pay the lowest grade, so my retirement pay is estimated to be about 2100 yuan, not save a little, the family's monthly living expenses are a little tight, I can not panic?

These fears and pressures come mainly from my family's current situation.

My husband 73 years, laid off in 2003, has been driving a big truck, and then older, energy is not as good as before, three years ago, shares in an inn, when I thought the prospects are not bad, it should be more or less a little bit of money to earn.

Who knows that this new crown epidemic said to come, there is no end to the end of 2019, the end of the inn began to lose money, not enough to make ends meet, but everyone then also still have confidence, all feel that will soon pass, when the revenge consumption is certainly there.

The result is that we all see, wave after wave of endless epidemic blow, efforts to hold up two years, the inn still can not see the hope, and the money is more and more sticker, now, is really can not hold up, but the resale can not be turned, despite the resale price is very low very low, or turn out, now do not know what to do? I'm not sure what to do. When I think of the inn, it's basically a bloodbath, so I'm not sure what to do, but I've got to get out of here.

And my daughter, last year, graduated from college, has been non-stop test test, full-time preparation for the civil service, the current job is still not settled, no work naturally no income, the good thing is that the child is very hard to understand, understand the plight of the family, in addition to the cost of the examination, basically in the home, not much spending for the time being.

The above is the status quo of my family, the cost of the inn for the past two years have been in the move family reserve, almost almost finished, the family's expenses are with my monthly salary of about 4,000 to support, if I retire next year, the inn has not been off the table, my daughter has not found a job, my income is reduced to 2,100, I do not know what to do.

Do not say, can not say again, I panicked a lot, these days it is not easy to good a little anxiety again, the heart blocked panic, I have to go out to slow down, transfer transfer mood, put things in a good place to think about, believe that tomorrow is good, full of hope, or else, tonight, and have to insomnia.

I should have been able to enjoy the retirement life, who knows that it is a new starting point for the hard life, the heart of the mixed feelings, I do not know what to say to the gift of life.

Ten years ago, the unit has a big sister, it is hard to get up to the retirement age (workers 50 years old), happy to do the retirement formalities, the first month of the pension to hand, more than 900 dollars, completely dumbfounded, thinking of the burden of the family, really want to cry.

At that time, our 18 lines outside the small town, the unit's income is considered good, remove all the deductions, such as this ordinary workers, each month to the hands of almost more than 3,000 dollars, although not so rich, used to pay for family expenses or not a problem. What's more, the production and living environment is quite good, the labor insurance benefits are also good, and you still have to trust people to find a relationship.

When this woman retired, her husband was still working, and he was only getting 2,000 dollars a month. Her son had just gotten married, and she had a mortgage on her son's house, and she still had a loan to pay off, and her daughter-in-law was pregnant, and she was meticulously replacing her diet every day, so she needed money to maintain her health.

In the past, when the salary is high, the elder sister every month, half to the daughter-in-law, let her eat the drink drink never save, now well, the next words do not know how to say, the elder sister's intention is to hurry to the street to find a job, dry up, and so on the daughter-in-law gave birth to the next plan.

The same is true of a woman who works in a public institution, and who is paid two or three thousand dollars a month. She has bought a house, and the old man is gone, and her only daughter has graduated from the university and is living in a foreign country.

The older sister retired with a salary of more than 1,000 yuan, they are the oldest workers in the unit, our unit was restructured in 1995, the previous years of work are counted as years of service, to find a part of the money, because the previous payment is not much, the time to retire did not lead to much.

Although the family does not have a son, the daughter's living conditions can be, the sister or in her husband's unit near the store, but also used to pass the time of boredom, the second is to find a thing to do, to save the home idle panic, it is better to earn a little bit of money, the quality of life in old age will be a little bit better.

On the pension, I have heard the best sentence is this

The pension for the rich is useless, people are not bad money, and do not care about this small amount of money, with it or without it days as usual. For the poor, pension insurance is a decent old age, is to maintain the poor old age of the fundamental life, the key time can save life.

For the whole of society's environment, the super-rich is, after all, a minority, many of the working population, work for a long time on the work of the senseless, on the charge of the five insurance and one gold, in the unit of suffering, will not be easy to change jobs. People who have a work unit, the higher the base of the pension payment, the older the life is guaranteed.

But overall, the pension after retirement, certainly lower than the salary in the workplace, this is the basic fact, in addition to pension insurance, the smartest thing for everyone is to do a good job of personal savings, or engage in a other profitable insurance, for the old age more than one kind of protection, not to retire after the rest, due to the pension drastically shrinking, so that the quality of their own life declined. Thank you for your support

I have 27 years of service this year, and if I refer to the civil servants who can retire in 30 years, I still have 3 years to retire. However, at present, this policy has not been implemented in the institutions, I have to work until the age of 55 to retire.

I am now the head of a unit, the salary is not more than a point, but bear the responsibility of a lot. If thirty years of service can be retired, I will not hesitate to choose to retire.

If the full 30 years of service can be retired, I have no more of those subsidies in addition to my salary, which costs me a lot of money every year, but I am still willing to retire early.

I work about 7 kilometers from my unit, and most of the time I drive a small car to and from work, using about 600 yuan of gas money each month.

Because of the bus reform, every time we have to go to the countryside, we are driving a private car to go to the countryside, a private car as a public car, we are a public institution, there is no oil subsidies.

I am now working under great pressure, and often do not have a double break, overtime is the norm. I'm not sure how much I'm going to be able to do this, but I'm sure I'll be able to do it in a few weeks. If I work overtime for a few weeks without a weekend, I feel very depressed, and sometimes I lose sleep over my work.

I don't care that my income will be much lower after retirement, but I personally think that a happy mood is the most important thing. After retirement, I will move to the city to live, in my lifetime to go out and see the motherland.

I only have one daughter, if I can retire in three years, my daughter has been admitted to the university, then I can play as much as I want. I have two houses that are being rented out now, and the rent can be enough to cover my daughter's monthly living expenses, and the interest from the bank's fixed term can be enough to cover my daughter's tuition fees and all kinds of expenses. If my daughter wants to study abroad in the future, my savings can be enough for her to study abroad, so I don't have to worry too much about money.

My husband is an engineer, and he often goes down to the construction site to manage the site, and some of the bosses of the construction sites have difficulty in financing, so they will find people to help advance the material payments. There were people who used to come to us, but because my husband and I were both working, and we had to see the kids on the weekends, we didn't have time to take care of that. If I have to retire, I can specialize in this kind of business. If I'm lucky, I can earn 70,000 to 80,000 yuan per construction site, or about 100,000 to 200,000 yuan if I'm lucky. I still have a pension, so I can do it if I want to, and take a break if I don't.

My husband is a manager at the construction site, and their construction site will be invited to specialize in cooking for them, with a salary of 3,000 yuan per month, just responsible for cooking for a few people, not very hard. If I retire, I can go to the construction site to help them cook meals, by the way, do some business, both with my husband together, but also can earn money, why not? When there is no construction site, I will go out with my husband to travel, travel around, this life is really desirable.

After retirement, life in all aspects of the requirements are not so high, clothes, shoes have to wear on the line, no longer the pursuit of fashion, and save a lot of money every year for this. Because the age is getting older, the digestive capacity has become increasingly poor, do not dare to eat big fish and meat, eat more light every day, living costs are no longer spending so much.

In short, I'm looking forward to retirement, not having to worry about work every day, and not having to drive to and from work every day. I'm not sure if I'm going to be able to do that, but I think I'm going to be able to do it, and I think I'm going to be able to do it, and I think I'm going to be able to do it. If I can retire now, I will not only not panic, but also feel very happy!

I am a retired enterprise, the pension is not up to half of the work, the thought of this thing heart panic. The standard of living does not want to decline, find the original unit to talk about my advantages, want to return to the original unit to continue to work.

I talked about this, first I expressed the company's projects that I handled, there are those who need to continue to maintain the relationship, there are those who can be tapped into the profit growth point.

Our company's long-term development, the need for those reserves, I can teach my experience to young people, to help the company better development.

Analyzing the company's employment costs, are the case of new people, due to the lack of business and understanding of customers, problems, the company needs to buy all the bills. With the old with the new can reduce some of the mistakes in this area. In addition, with a retired person hired back to the salary, no longer need to pay 5 insurance and gold, the company pays the cost of employment compared to new people and will not increase much.

With my current physical condition, I can normally complete the work, will not be delayed due to age, my previous work style has been serious and rigorous, so the company is more assured in this regard.

I have now been rehired for 3 years, has been working well, on the contrary, I brought a few young people, some are family reasons, some are too low wages, changed several, I now also hope to bring out a good successor.

After this work stopped, I also want to go through the code to increase income, both to make friends, but also have a certain income, so that their hearts do not panic.

The thought of retirement, income sharply reduced heart panic, this feeling, in the future only rely on retirement payroll life, the original unit of welfare benefits are very good in the pro-retirement personnel, the performance is particularly prominent.

Especially public employees and large state-owned enterprises in the monopoly industry, their usual wage level is better than the general business workers, pay supplement meal supplement communication supplement a variety of subsidies, a variety of bonuses and allowances, health insurance housing provident fund and so on, because in the wages of a large proportion of these subsidies and bonuses are almost no longer in the retirement, the hands of the pension than the retirement of a lot less than the previous, from the psychological certainly can not be accepted, especially the high-position high wage people. The first thing you need to do is to get your hands on a new one, and you'll be able to do that.

Reaching the age of retirement, is the state regulations, no one can change. Because they can't stand to retire from the busy workplace and from the high income to the low income of the heart of the difference, and there are a lot of people who get sick. This requires self-awareness and self-adjustment, to calm the mind and face reality. If the body allows and have the skills, you can negotiate with the unit to rehire, or find a suitable job for themselves to make up for the sharp drop in income because of retirement, thus easing the pressure on the heart.

After retirement, there is no more socializing, the desire to reduce the amount of money spent is also less, no problem to rely on the retirement payroll life. The money more spend, less money less spend, adjust the mentality, reasonable arrangement, the quality of life after retirement is not worse than before retirement.

I saw my colleague, a senior engineer in the private sector, retired at the age of 50 after 28 years of service, and received three thousand dollars a month, and then I would be particularly anxious.

I've always wondered what I could do with 3,000 dollars if I didn't rehire, if I didn't keep working. How should I survive? The car is not affordable, take free public transportation age is not enough; go to the market to buy the cheapest food? Is not fine steak can not afford to eat ah! Cosmetics with Dabao? Makeup directly cut out! Take a bath just make do at home on the line do not go to the bubble bath. Try to exercise don't get rich, don't get sick don't buy new clothes, otherwise buy two pieces of clothing to a month of living expenses are killed, into the hospital once a year's pension is gone. Is it necessary to change a small house to live in? Property costs, heating costs are a little less; cats ah dogs ah don't raise, which a month several hundred also can not top; the original invited to do the housework have to learn to do in order to save money .........[face][face][face][face][face]

I can not think, simply too terrible!

Here we are just the opposite, after retirement to get their hands on a salary than the active workers at least double, so the heart does not panic, because the income is not reduced, but also look forward to retirement.

Our unit in the last two years, some of our colleagues retired, retired wages are in the 7000 or so, in the work of the workers to get their hands on wages less than half, deductions of the five insurance premiums probably more than 1,000 to more than 2,000 have.