The monthly salary of young people is 3,000 yuan, and the retirement salary of parents is 8,000 yuan

Just today, the topic#work for four years of income has been inverted by the parents 'pension#就 就 就 就 就 就 就 就 就 is a slight reference article, which is titled "4 years of work, my income is pension by my parents' pensions Hanging upside down.

The article mentioned a 26 -year -old young man in Hebei Shao Dong. Shao Dong's parents are all employees of state -owned enterprises, but the company is not good, and the wages of the two are less than 4,000 yuan. In order to buy a wedding house for Shao Dong, it is also considered to be together, and life is relatively difficult.

After buying this house, their family was looking forward to the arrival of the old couple. Because the salary after retirement is much more earned than during work. By this year, Shao Dong's parents successively handled retirement. The retirement salary of the old couple added up to more than 8,000 yuan, and the pressure of life became smaller instantly.

Shao Dong has more than three years of graduation. Because of the impact of the epidemic, it is not easy to find a job. He can only do some sales work. Most of the time, the monthly salary is only more than 3,000 yuan. For young people, these money is not enough to spend enough, let alone repay the mortgage.

In fact, this phenomenon of Shao Dong is still more common. As long as those employees who have been working in state -owned enterprises for a long time are not unusual to retire the salary of more than 4,000 yuan.

In addition to Shao Dong, a Northeast boy Li Xiao also mentioned in the article. After graduating from Li Xiao, he went to work in Beijing. After hard work, Li Xiao's monthly salary rose from 4500 yuan in 2018 to 10,000 yuan in 2020.

It stands to reason that Li Xiao's income growth rate is very happy, and it also exceeds the increase of the salary of his peers. But what made Li Xiao feel frustrated was that by 2019, his grandfather's pension reached 10,000 yuan.

Li Xiao's grandfather retired in 2012. Before retiring, it was a leader of the state -owned enterprise. When he retired, the retirement salary reached 6,000 yuan, which rose to 10,000 yuan after several years.

Grandpa Li Xiao's pension rose faster than the majority of retirement wages increased. Because Grandpa Li Xiao's retirement year compounds exceeded 7%, the compound growth rate of most people was about 5%. Don't underestimate these 2%gaps. The longer the time, the gap between the pension will become larger and larger.

The key is that Li Xiao has risen from thousands of yuan to 10,000 yuan through his efforts, and in Beijing, the purchasing power of 10,000 yuan is relatively limited. Li Xiao's grandfather can receive a retirement of 10,000 yuan in the Northeast, which is far more happy than Li Xiao.

So the question is, why do young people work hard for a month now, and no elderly people are lying at home and earn more?

There are three main reasons:

First, the retirement salary is 10,000 yuan is not common. Assuming that young people are now retiring, they can receive 10,000 yuan per month. I believe that many people are willing to retire immediately. In fact, this is impossible. Most people who can reach about 10,000 yuan can pay enough social security at work. These people are either leaders of state -owned enterprises, civil servants, or leaders of public institutions.

And most people who do not have the background of state -owned enterprises will not pay social security in full. A considerable part of the company is paid according to the lowest social security payment base, so most people's pensions are less than 5,000 yuan. Taking Liaoning Province as an example, the average pension of the entire province in 2019 was 2795 yuan. Beijing's average pension is only about 4,000 yuan.

Therefore, people who can get more than 5,000 yuan after retirement are just a small part.

Second, we caught up with the demographic dividend. At present, the retirement salary of the elderly in China can rise rapidly. The main thing is that more young people are delivering social security, and sufficient social security funds allow the first generation of retirees in my country to enjoy this benefit.

When the post -80s and post -90s retirement retirement, the dividend will gradually disappear, because the number of newborns is serious, and social security reserves are also facing a large challenge.

Third, the employment market has sufficient labor supply. At present, the income of young people is difficult to rise sharply, the main reason is that the labor supply is sufficient. A job is 3,000 yuan, you are willing to do it, and there must be other people willing to do it, and the sufficient labor force makes it difficult for the salary level to rise. If the individual wants to rise sharply, we must choose the industry in the air. In addition, we must quickly improve our personal ability. As long as the ability is excellent, the price will naturally be higher than the market average.

Maybe we will think that the retirement salary of others is more unfair than the money we earn, but don't forget, it is also the good foundation that this person who retires now. Let us have not suffered much.

More importantly, the pension pays more attention to more payment. If we want to receive a little more pension when we retire, then we must pay more social security when we are young.

This is the best era and the worst era. With capital thinking and innovation models, the world is your stage!

In the new business world, there are no eliminated industries. Only the eliminated products and outdated business models will focus on product innovation and model innovation in the future.

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