What conditions should be met after 80 s and 90 s to ensure prosperity in old age?

This is a very complicated problem. I answered it in combination with my actual situation and some professional knowledge, hoping to help you.

First, there is no mortgage car loan.

If your work income is above 8,000 yuan/month, you can get rid of mortgage and car loan.

Of course, for many post-80s generation, it is already very hard to work hard in the city, and the monthly salary is only about 8,000 yuan, barely maintaining a basic life.

If you choose a loan to buy a house, the annual mortgage and car loan add up to more than 654.38+10,000 yuan. In this case, you have to spend 20 thousand yuan a month to subsidize your life, of course, there are certain limits.

If you have savings, you can retire early and continue to enjoy the pension benefits and social security benefits brought by the national retirement system.

Second, there is a stable income from work.

Although the income from work is very important, we need not only a stable salary, but also a stable job and income.

Especially the generation born in 1980s and 1990s, they are very sensitive to all kinds of social information, and they often choose this information passively. For example, if parents are sick and buy a house, some people will ask questions about bank accounts. Others do some training courses and other activities.

We can get a steady income from this information, which is very good. Without a stable job and income, it is difficult for us to be satisfied with the rich life in our later years.

Third, good health.

Good health is the foundation of one's life. Without a healthy body, even if you have money, you will become a drop in the ocean and can't enjoy life.

In addition, good living habits and reasonable and healthy eating habits can make us have a healthy body. If we have such a body, we will be happier in our later years.

Fourth, you should have a certain deposit. If you are a person without savings, you are doomed to be poor in your later years, at least there is not much security. If you have a certain deposit, it can provide security for your future pension. If you don't, that's fine. If you don't want to go to a nursing home, find a care worker in your own home to take care of it. There should be some emergency funds for emergencies, and it is best to save some money in advance for emergencies.

5. Have certain financial management ability.

The financial capacity here includes deposits, wealth management products, bonds and so on.

My own financial management level is ok, and I can basically manage it well. Of course, there are some mistakes, such as not knowing much about stocks and funds.

I am more concerned about the bank's wealth management products, funds and national debt.

Because if I can have enough money, I think I can live better, but I don't know if I can have so much money.

So if you have enough savings, you'd better put it in the bank, so the risk is lower.