Experts call for saving a cup of coffee every day to plan your pension in advance! Why is coffee so expensive?

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When you saw the title of the article, did you immediately think of this meme:

According to reports, by the end of 2021, China had 267.36 million people aged 60 and above, accounting for 18.9 percent of the country's population, of which 200.56 million were aged 65 and above, accounting for 14.2 percent of the country's population. It is expected that the proportion of the elderly population will rise to 20% in 2027, entering a deeply aging society.

In 2050, the elderly population will reach 487 million, accounting for 3% of the total population. The super-aging society will accompany the whole retirement career of post-80s and post-90s. In other words, in 2050, one of the three people will have an old man, and two of them will have to support an old man.

In recent years, the news of "insufficient pensions in some provinces and cities" has been reported by the media from time to time, and how to provide for the aged in the post-80s and 90s has become a pain in the hearts of many people. In response to this problem, Zhou Yanfang, deputy to the Chinese National people's Congress and deputy general manager of the Pacific Medical and Health Management Company, submitted a number of pension-related suggestions in 2021, and hoped to speed up the construction of the third pillar of commercial old-age insurance and pension. that is, personal pension.

During the two sessions this year, Southern Metropolis Daily launched a pension forum, asking 50 experts to discuss pension issues. Among them, Dong Ke, Secretary-General of the Forum, expressed his personal views on the personal pension. He thought that the personal pension belongs to the cumulative pension, so the sooner you participate, the better. In particular, the country also has a tax preference system, so it is more meaningful for young people, and we can also try that such a system is designed for young people.

As long as you make a good plan earlier, for example, if you drink one less cup of coffee a day and save 30 yuan, you can save 900 yuan a month, which is the country's tax advantage of nearly 1000 yuan. Saving a cup of coffee a day can prepare you for your retirement in the future.

(interruption: according to the latest opinion, the annual personal pension is capped at 12000 yuan, that is, 1000 yuan per month. After the preferential tax quota of 1000 yuan was obtained for participating in individual pension investment, the taxable amount was reduced by 96.3 yuan, accounting for 9.6% of the preferential amount of tax. With the increase of income, the proportion of tax difference and preferential amount of tax is also getting higher and higher.

In other words, the 1000 yuan invested in a personal pension account each month can enjoy a tax return of about 3% even if it does not make any investment. If the investment income of sound pension products is superimposed, the overall income will be more considerable. )

But how many young people can drink a 30-yuan cup of coffee every day? 30 a cup of coffee, perhaps for a small number of people, may be the normal price of coffee. But in spite of this, the proportion of people who spend 30 yuan a day on a cup of coffee is very small.

Many netizens said that, not to mention 30 yuan a cup of coffee, more than 10 yuan of coffee can only drink once or twice a week, after all, the price of a cup of coffee can already eat a very full meal. Some netizens also said, "drinking coffee is only an occasional thing to relax yourself. Should such happiness be" exploited "?" "most of what you can drink every day is to buy your own coffee bean brewing bar, which is a matter of a few yuan."...

To some extent, there is nothing wrong with the expert's point of view, but metaphorically it may not be appropriate. It is not an easy task for many young people to be able to contribute 1000 yuan to their personal pension every month.

After all, coffee is not the only expense, other costs of living are the biggest expenses. No matter which stage of salary, everyone has their own expenses, which can not be saved by drinking less coffee.

At the same time, although coffee is daily for some people, there are still many people who have the habit of drinking / consuming coffee. If the content of the discussion is really sincere advice to all young people, coffee saving is certainly not an appropriate metaphor.

Photo Source: Internet