The article is a confession of Mr. Khoa (74 years old, Beijing, China) that is attracting attention on Sohu.
At any point in your life, you will be faced with the issue of money management and saving, whether it is your middle years or old age. Some people choose to live a frugal life, spending with a plan, always having a reserve fund. Others choose to spend freely, as long as they like.
Looking at the lives of two close friends, I see a big difference between those who save money and those who don't. Even though both of them still receive a small pension in their last year of life.
Mr. Ly is a person who adheres to the principle of frugal living. When he was young, he understood the importance of saving money, so no matter how much he earned, he was determined to save a certain amount every month. According to this man, saving is not only to face future risks but also the foundation for life when he is old.
Although he is frugal, Mr. Ly is not stingy. He just tries to cut down on unnecessary expenses while still meeting basic living needs.
After many years of saving, Mr. Ly had some savings. He used this money to pay for his own medical bills, travel when he felt healthy, and improve his quality of life.
Thanks to the reserve fund, Mr. Ly admitted that he is not too worried about food and clothing at present and has enough money to do what he wants. He can pursue many different passions to enrich his spiritual world. In particular, he affirmed that he has the freedom to choose his own life, not depending on his children.
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However, not everyone is as sober as Mr. Ly. Another friend of mine, Mr. Vuong, is a person with a completely different lifestyle. When he was young, Mr. Vuong always pursued the enjoyment of life and believed that money earned must be spent, saving is useless. He liked to buy expensive items and never considered the issue of saving for retirement in the future.
However, after retirement, his income was no longer as good as before, Mr. Vuong encountered difficulties in life. The older he got, the more diseases his body developed. The cost of medicine and hospital visits became a burden for this man. Although his children were willing to help, they also had their own pressures, so they still struggled.
Looking at Mr. Ly's life, Mr. Vuong often envied. Because people like Mr. Ly could choose their own life without worrying about finances. Because he had no reserve money, Mr. Vuong had to consider carefully what he did and what he spent because his budget was extremely limited.
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The story of Mr. Ly and Mr. Vuong is a vivid illustration of two ways of living, saving and not saving money. Mr. Ly's habit of saving and accumulating money has given him the freedom to choose in his later years. Meanwhile, Mr. Vuong's extravagant spending has caused many deadlocks in his old age.
So at any age, you should learn how to plan your spending reasonably and form a habit of saving. In this way, when we enter old age, we can ensure our finances to have the quality of life we desire. In fact, if we have our own wallet, parents can reduce the burden on their children, thereby reducing conflicts and keeping the family in harmony.
Actually, saving or not is a personal choice. But every choice has its price. No matter how good it is, there are risks, no matter how bad it is, there is always a ray of hope.
There is a saying: “Only with financial independence can one have true freedom.” This is not only true in youth and marriage, but also practical in old age.
Source: https://giadinh.suckhoedoisong.vn/nhin-2-nguoi-ban-u75-toi-phat-hien-nguoi-tiet-kiem-va-khong-tiet-kiem-tien-co-cuoc-song-hoan-toan-khac-biet-o-nam-cuoi-doi-17224052815542827.htm
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