Why do some old people take their pensions out of the bank?

There are indeed some old people who are used to withdrawing money from the bank every time they give pensions. Why is this happening?

First, seek safety. Withdrawing cash from the bank is actually a common reaction of the elderly, who are used to holding the money in their hands and think it is safe. Of course, young people feel unsafe in their own hands, afraid of losing, afraid of being stolen, and even afraid that they can't control their money.

In fact, many retired people who are doing this now are in their seventies and eighties. For those who really experienced that poor era, there is no habit of saving money at all. It can be said that the habit formed since childhood is to hold money tightly in your hand. Especially in the period before liberation, 1937 100 yuan could buy two cows, but by 1948, only two briquettes could be bought, or even dozens of grains of rice could be bought in the end. Moreover, after the founding of the People's Republic of China, we also carried out a monetary reform, changing 10,000 yuan into 10,000 yuan. I believe we have also heard that some people have saved hundreds of thousands, and now they can only withdraw a few hundred dollars. Therefore, old people are only used to spending money in time, which is the safest.

Second, the happiness of life. Every time I receive my pension, I can always see some old people holding Mazar, queuing at the bank gate by bus and taking out the money as soon as possible. This may be a pleasure to count money. I hope they are happy.

Some old people say that we usually have nothing to do, and it may be the happiest time to withdraw money every month. The life of the elderly after retirement is generally quite simple and repetitive. After three meals a day, the rest of the time may be sitting in the sun in the community. They can't travel around in luxury. People who are interested can also play chess, cards and gateball, and some aunts can only sit there and chat. If you have something to do, especially withdrawing money, why not?

Some elderly people, in particular, are worried that when they are too old to move, they will have no chance to withdraw money. So it is also a happy life for the elderly to withdraw money every month.

Third, we really need money. A neighbor's aunt told me that if I don't get my pension every month, how can I afford to buy food? Pork is so expensive now, you should save some flowers!

Indeed, in fact, many retirees have low pensions. Aunt, a neighbor who just retired, has a monthly pension of more than 900 yuan. She is just over 15 years, so her salary is relatively low. Although she has her own children and a good income, she can give him a pension. But how many parents are willing to reach out and ask their children for money?

The monthly pension cost is just right, and occasionally I can save a few hundred yuan and keep the holiday money for my grandson. Every time the child wants to give her money, she says that she has a pension and needs your help when she is sick. In fact, she is still worried about the children's monthly mortgage repayment and the heavy burden of various educational expenses for her grandchildren. Can you not give your child money and try not to cause trouble to your child?

Therefore, the old people habitually withdraw their monthly pension from the bank quickly.

In fact, this habit is gradually getting younger. Many young people pay their wages every month and directly transfer their wages to Yu 'ebao or other monetary funds. 5000 yuan can earn 30 or 40 cents a day and more than 10 a month. If they save more, they will save a sum of money regularly, which is what everyone often says. People are really getting smarter.

It is common for the elderly to withdraw their pensions from the bank every month. In Shanghai, there will always be a group of elderly people queuing in the bank to withdraw money several days a month. This phenomenon can also be seen in small counties now.

It may be that young people rarely save money now, but only put some money on WeChat Alipay, and there are too few people who go to the bank to save money and withdraw money, so I don't understand when I see the elderly queuing to withdraw money, so I asked such a question. In fact, there are many reasons why old people receive pensions every month.

0 1. Only when you have money can you feel safe. Although young people seldom use paper money nowadays, in those days when old people lived, they basically spent their working years on a month's salary, always thinking that they felt safe when they got the money. If you change the money into that string of numbers, they may not feel that sense of security in their hearts, so as long as the pension is paid, they certainly hope to get the money early.

There is not enough money to spend every month. Many people think that most elderly people have high retirement wages. If they don't support their children, it seems that money is inexhaustible.

In fact, many elderly people are suffering from poverty, and they still have hard and simple living habits. It's just that China's parents, no matter how poor and sleepy they are, don't want their children to suffer. They have some money to subsidize their families, and some can't wait to give it all to their children.

Besides, not all old people have high pensions. For example, the old farmers in rural areas only receive tens of dollars a month. Some old people may not be able to support themselves with that little money, but they also need children's subsidies to survive, so they are waiting for the payment of pensions every month. Therefore, for these old people, as long as the pension is issued, it will naturally be taken out immediately.

The colorful living environment has caused the elderly to live in this colorful era. Although we always think that the old people can't keep up with the new era, many businesses even design mobile phones, food and clothes for the old people who can't keep up with the times.

There is an old man living in our community in Gao Qian. Her pension should be around 7,000 to 8,000 yuan, but she often tells us that the money is not enough. We may not understand it, but in fact, she is a little nervous about doing arithmetic for us. Because she plans to travel abroad twice a year, she basically spends almost the same pension. So she said that she often depends on the child's allowance for her use.

In fact, many people ignore the biggest factor, that is, people are afraid of getting old. Although the old man is a little old, he still wants someone to recognize him. They don't want all the products they use to be labeled with old labels. You see, the clothes worn by the elderly nowadays are generally designed to be much brighter than those worn by young people. And now many elderly people play smart phones very well. Even in Tik Tok and Aooutlets, there are few aunts and grandfathers in their sixties and seventies, and some elderly people are even more fashionable than young people. This kind of person's old heart is not always positive. When the material conditions of the elderly are met, their spiritual life is very rich, but they often need money to support these needs.

In fact, most old people always want to withdraw their pension money as soon as possible because of their inherent lifestyle, whether they are short of money or not. As for the possible use of it, I won't discuss it here. However, the old people's mentality of getting a pension every month is definitely happy, and it is also a happy life for the old people to maintain this happiness.

Here, I also hope that all of us can respect the elderly and wish the elderly in the world a happy family! I am master tailor Fang, and I hope my sharing can help you!

As soon as the pension is taken out, it is short of money! It is a very interesting phenomenon that there are old people waiting in line at the bank to get pensions every day when pensions are paid.

Hello, everyone, I am a social security expert. Why do some old people take their pensions away from the bank?

I don't know if you have noticed that there are long queues at banks on the day when pensions are issued. Retirees would rather wait for hours than queue up to withdraw their pensions one by one. Why?

There are many reasons for this. First, retirees are anxious to take out their pensions, of course, because of lack of money! 0

You will find that most of the retirees queuing for pensions are enterprise retirees. Their pension level is low and they are short of money. Last month's pension has been spent, and they are desperate for money and have to take it.

You know, retirement is not easy, especially for retirees with low pension level. It costs money to pay for water, electricity, gas, mobile phone, food and cooking every month. Now prices are rising and the cost of living is getting higher and higher, especially for fruits and pork. Like apples, more than ten dollars a piece, I really can't afford it!

Moreover, for retirees, a large amount of expenditure is the monthly medical expenses, and chronic diseases such as hypertension and diabetes require long-term medication.

Of course, some people have higher pensions. When they take them out, they have to help their children and buy toys, clothes and snacks for their grandchildren. You know, children's things are more expensive now, and sometimes a pair of shoes costs three or four hundred yuan. Some people also help their children pay off their mortgages and so on, helping them reduce the pressure of economic life.

Second, because some people use pension passbook, they have to queue up to take it out, and they won't use mobile banking, WeChat Alipay and other tools.

The pension passbook has to go to the bank to withdraw the money.

Moreover, many retired people are used to using pension passbook, and they like this paper version with detailed items on it, which can be seen at a glance.

For people who use pension passbook, they are more accustomed to taking out money and saving it for a fixed period of time, or buying wealth management products or national debt.

Third, some people prefer to use cash, and prefer the feeling that their bags are safe.

Some retired people have an obsessive belief in cash. They will feel uneasy if the money is not in their hands, so they will feel safe if they take it out.

Especially in the month when the pension rises, there are more people waiting in line to receive the pension, because there will be a large sum of money to be reissued for several months. At this time, they are in a hurry to queue up for it, in order to see how much their pension can rise, and also to test whether the amount is appropriate.

Fourth, some retired people regard queuing for pensions as a social entertainment activity.

Because many retired people I know will go to the bank to withdraw money together, which is also an opportunity for them to meet, chat and communicate their feelings.

However, there will be great changes in the way pensions are distributed in the future. Retirees should receive their pensions through social security cards, because Ministry of Human Resources and Social Security requires that the old-age insurance benefits be basically realized before the end of 20 19, and be distributed through social security cards.

Therefore, for retirees, it is still necessary to learn to use mobile phones to bind social security cards, learn to use online banking and mobile banking, and avoid the hard work of queuing for pensions.

After receiving each pension, queue up at the door of the relevant bank the next morning to get the number.

These old people, in my opinion.

(1) Why don't they have too many people to support the elderly? There are many pensions, most of which are not in this team. )

② Most of these elderly people use rolling soft cards.

I still can't accept new things, such as using a hard card to deposit and withdraw money automatically, so as not to swallow the card,,, so I feel at ease taking every pen at the counter. ,,,

(3) After withdrawing money, first consider paying the water, electricity, telephone, gas and other expenses in line. Because there is no card, it is also a compulsory course every month.

4. When all the expenses have been paid, we will reschedule the new living expenses in January. This is the cycle, which is repeated every month (until we can't take care of ourselves and there are younger generations to take care of us).

On my side, most of them are like this, and there are very few deposits and withdrawals.

It's what I saw and heard for your reference.

In reality, every day when pensions are issued, the outlets of the issuing banks are always crowded. It can be said that 100 old people will get pensions from the social security fund, and more than 95% will be taken away. Why? Simply put, just two words, for life!

Pension amount The bank where I work is our local pension institution bank, and the city where I work is a pseudo-second-tier city (the economy has reached the standard, but the urban construction can't keep up). Our local pension level is basically below 3,000 yuan, or even below 2,000 yuan, except for civil servants and public institutions (basically above 5,000 yuan, many of which are above 8,000 yuan, or even below 10000 yuan). It can be said that the gap is not a little small.

For most elderly people, pension is their monthly living allowance. In pseudo-second-tier cities, you should save at least one or two thousand yuan a month. To be honest, if both parties do not have pensions, it may not be enough for two people to provide for the elderly, especially if there are children at home who need the support of the elderly. In theory, you don't need to get all the money at once, but in reality, in order to reduce unnecessary troubles, you don't have to go to the bank (many old people don't like to go to the bank), and many people will get it all at once.

This is the main reason why most old people leave as soon as they get their pensions, in order to make a living.

Trust, of course, not every old man needs a pension to go back to relief, so why do people who are not short of money have to go? This is because the banks that pay the bill are not the big four banks. In the eyes of many older generations, only four banks are reliable, and the rest are not credible. So every time you send money, you have to take it away and transfer it to the four major banks without publicity, but the effect is not great. This is a deep-rooted thinking inertia. It is difficult to change this thinking in a short time, so the four major banks won by lying down, which is one of the reasons why the deposit interest rate given by the four major banks is the lowest. There are always people who only trust them, even if there is no deposit.

I am a long journey in the snow, and I see words like a face.

A person's age depends not only on his age and body, but also on his thoughts, behaviors and ways of doing things. If you queue up at the bank outlet to withdraw money on time, you can basically judge that this person is really old. Whether you are 50, 60 or 70 years old, as long as you step on the spot to withdraw money, it is classified as the behavior of the elderly.

If it is an old man, I will analyze it according to his thinking, habit and ability:

What the old people think is that it is better to rely on children than on themselves. Houses, cars and tickets can be given to children, but pensions never allow children to get their hands on them. Pension represents a kind of dignity, a kind of power and a kind of future. They would rather queue up by themselves than let their children receive it. That's why the old people get together.

Old people have formed the habit of getting paid in their units, so when it comes to granting pensions, they naturally want to get paid, which is nothing more than normal for them.

Representatives of the elderly are old-fashioned, unable to keep up with the development of the situation, poor in learning ability, unable to accept new things, unable to learn mobile phone operation, and even unable to withdraw money from ATM machines. They only think that the counter is the most direct and reliable, and they can only be practical if they get real money.

As for some people who say that the old people's pensions are small and they are counting on the money to live, I think it is wrong to hold this view. Qian Duoduo used less money and less. Old people are generally very careful and will not use it just on the day when the pension is paid. In fact, after receiving the pension, the elderly did not use it all, and most of them immediately transferred to other banks. They are just porters. Old people think that going to the bank to save money in person is a deposit.

Thank you for reading.

The question asked by the Lord is quite interesting. Why do some old people take their pensions away from the bank? Master asked the point!

First of all, the author is also a 66-year-old retired man. On the day of paying his retirement salary every month, he goes to the bank to get his retirement salary like other retired people.

Second, whenever I get my retirement salary, I feel warm in my heart. It is better to be led by the nose by the producer of * * *! On the day when you receive your pension every month, no matter how much it costs, you are always guaranteed that your most filial child can still give it to you readily as long as you reach out to him once or twice. When you reach out for three times, he will ask you, "What's the use? How come there is no money so soon? " When you reach for it for the fourth time, a good-natured person will say: Dad, you have to save some money, I have no money this month; "If the child has a bad temper, or a bad temper, another daughter-in-law (son-in-law) who is not sensible will add fuel to the fire, and your child will immediately quarrel with you and give you the run." You always ask me for money. I'll open a bank and spend your own money. Don't ask me for it again next month. "

Third, there are many children who are eager to get old. Ordinary retirees like us don't have much pension. They have to bear all the living expenses of the whole family and the human relations between relatives and friends every month, and there is no extra money to save. So every month, as soon as they get their pensions, the old people rush to the bank door to queue up for money.

Fourth, even if a very small number of retirees earn a high salary, they will take 10,000 steps back, just like most retirees with middle and low wages. Even if they have a little money left, they don't want to deposit it in the bank, because the interest rates of banks are too low now, so they might as well take it at home.

In fact, not to mention the elderly, many young people will habitually transfer money to their Alipay and WeChat exchange accounts after their monthly wages arrive.

Of course, we hope that the funds can be used and controlled in the way we are most used to.

For the elderly, it is understandable to withdraw the money from the pension account in time every month, because the money originally belongs to them, and how to control it is entirely their own business.

In addition, there are actually many places where the elderly spend money:

1, the daily living expenses are not small. Ordinary working-class people in cities will get a large pension every month after retirement, 2000-3000 yuan a month. For the rising prices and the increasingly severe cost of living, the monthly income is indeed a bit small, and it is normal to take it out in time to subsidize the family.

Old people in rural areas often have a monthly pension of only one or two hundred yuan. Without other sources of income, how to survive without this pension will become a problem. . .

2. "Give your life for money when you are young, and give your life for money when you are old." Many retirees have worked hard all their lives to make money, and they have indeed earned considerable wealth, but they have also fallen ill. It is not cheap to see a doctor and buy medicine now. It often costs hundreds of dollars to go to the hospital for minor illnesses, and hundreds of thousands to stay in the hospital. I'm afraid it's not enough to take out the pension in time to see a doctor. . .

3. "Less money" on holidays. As an elder, grandson, great grandson, niece, etc. When you come to visit us on holidays, lucky money and red envelopes are indispensable. After retirement, there is no other source of income. Most of my life savings have been used to buy a house for my children and get married. After retirement, you can only rely on a few pensions.

4. put it in the bank current account, and the utilization rate of funds is very low. Thousands of dollars of retirement funds are lying in bank accounts, and the annual interest is almost negligible. If you make up 10 thousand and deposit it in a bank time deposit, you can still get several hundred yuan of interest every year for two or three years.

We young people may not feel much about a few hundred dollars, but the old people who have experienced hardships really value every penny.

To sum up, although the elderly are retired and can enjoy a quiet and comfortable old age, the pressure of life is still enormous, and even many retired workers will choose to continue looking for jobs, otherwise what should they do with their children's mortgage and car loan? What about my medical care in my later years? The expenses of daily necessities are not necessarily for children, are they?

Many elderly people will choose to take away their pensions in time, more because of the weight of life and the helplessness of reality.

[Breeze] Some old people want to withdraw their pensions from the bank. I think there are several reasons:

[Breeze] Number one: Physical condition. People can't control their own life and death. With the growth of age, they are not as young as before in all aspects and are prone to illness. What they fear most is to leave suddenly. So it is uncertain whether the money will reach their children and grandchildren. For example, if you have Alzheimer's disease and don't tell your family your password, it will be very troublesome for your children and grandchildren to go to the bank to withdraw money after the old man leaves. This joke has caused a lot of trouble. The owner of the passbook left, and the children went to withdraw money, but the bank told them that talent was desirable. It can be seen that the old man just has a long mind and is also a manifestation of loving children.

[Breeze] Second, safety. Many old people are old and live alone, so it is not safe to withdraw money by themselves. First, I am afraid of robbery. I am no match for gangsters when I am old. Second, my eyes are blurred, and I can't see the numbers on the passbook clearly, for fear of being cheated. Money is at home, and my heart is solid.

[Breeze] Third, it is troublesome to deposit and withdraw money. Old people like to use passbooks and only take one or two hundred at a time. Some staff members are impatient, making their faces ugly for the elderly, and even swearing at each other, so that the elderly can rest assured to leave their money at home.

[Breeze] In short, the old people have worked hard all their lives and do whatever they want. As long as they are healthy, that is the blessing of children!

It is true that some elderly people withdraw their pensions from banks. Every day when the old people's pensions arrive, banks will queue for a long time, especially this year's epidemic, and sometimes the queues are longer and there are intervals. Why do you come to the bank when the old people's pension has arrived? Some people will take out the money, others won't.

Some old people's monthly pension is just enough for their own living, so when the pension arrives, they will come to the bank to withdraw money to live. Although some old people have more pensions, many old people's pensions are not spent by themselves, some have no pensions for their wives, and some are for their grandchildren. By the time of last month's pension this month, they have spent very little. If they don't withdraw their pension in time, they will have no money to spend, so this is waiting for money. Put forward your own pension for the continued expenditure this month.

There are other elderly people whose financial situation is ok, and they have not spent all their pensions as soon as they arrive. Then why do they come here because their minds are more flexible. Taking the money out of the pension account for financial management, or saving it regularly, earns more interest and income than putting it in the pension account. This has become a common practice for the elderly in Shanghai, because their economic minds are the most flexible in the country. The interest on the same money in the pension account is much less. If it can be properly preserved or managed, it will earn more interest. Their practice is also worthy of emulation by the elderly.

Some elderly people buy houses by themselves or their children. Because they have a loan, they need to take money to repay the loan every time. So as soon as my pension arrives, I will take money to repay the loan. Similarly, some children have already bought a car, got a car loan, and so on. Some old people are usually more frugal. When the pension arrives, they have more money and come up with something to improve their lives. Some need to buy rice flour oil and so on. It was also a few days before and after the pension arrived.

In the process of educating his grandson, an old man promised to reward his children for their study and obedience. Generally speaking, I will buy it for you when my pension arrives, so once the pension arrives. Take out the money to buy toys, clothes, school supplies and various rewards for the younger generation, which is also one reason why the elderly queue up to withdraw money once their pensions arrive.

Some elderly people have been hospitalized or went to the hospital for a week. When they are short of money, neighbors ask relatives and friends to borrow some money first. When your pension arrives, go and get the money. The promise to pay back the money must not be vague at all. To be a man, you must have credit, and it is good for others to lend money to yourself. So once the pension arrives, it is safe to take it out and return it to others.

It is normal for old people to go to the bank to receive their own pensions. There is no need to speculate online. Many pensions are also their own. There is no one to make up for the small pension. Stay there if you want, take them out if you want, and manage your finances if you want, but just pay attention. You can't keep too much cash at home. If there is an unexpected loss, it will be big as long as it is in the card. That is the insurance in the passbook. As long as you don't tell others the password, the money is all yours. Old people just need to remember this key point.