Can Young People Solve Their Retirement Problem? |谷雨
It feels like another insurance-recommendation article. But the problem is real. The macro environment is tough, and social insurance requires continuous contributions—easy to interrupt due to various changes. Paying a lump sum demands high cash reserves. For the post-90s generation—especially those born between 1990 and 2000—unless they struck it rich through the later internet boom or new energy sector, they burn through family savings during their teens for education, deplete them again in their 20s for marriage and starting a family, can barely begin saving by their 30s, and then inevitably face unemployment in their mid-30s to 40s. Add insufficient savings and aging parents' health and medical costs on top of that, and one might pessimistically call this the most bleak generation to date.