Yang Qin didn't know that Jiang Guoyun had kept it a secret from his family. She didn't say anything and just complained, "Last time we met, he said that the overall environment was bad and layoffs were happening everywhere. We didn't know when it would be our turn. I didn't expect it to be such a coincidence that things would come knocking on our door not long after he said that."

"Luckily, I'm an only child, and I paid off my mortgage last year. I usually save money, otherwise I don't know how I would have survived the days of unemployment."

Zhu Xiuhua had a blank expression on her face. "My old Jiang was fired? I haven't heard about it. Maybe you made a mistake?"

Yang Qin was stunned, and subconsciously said, "My husband Qin and your husband Jiang are from the same company, but different departments. They were laid off together that day. How could they be mistaken?"

As soon as she finished speaking, she realized what was happening and looked extremely embarrassed. "So your family didn't know... Sorry, sorry, I said too much."

Without waiting for Zhu Xiuhua to ask any more questions, she left in a hurry, looking flustered.

Suddenly, Zhu Xiuhua remembered that something was not right with her husband recently.

Sometimes he tried to persuade her to go to work in a roundabout way, sometimes he said he was considering selling the house, and sometimes he thought it was a waste of money to enroll her child in a preschool tutoring class...

Zhu Xiuhua then realized that there were signs of everything. She just didn't take it seriously before, so she ignored all the hints.

The old and the young in the family all depend on the husband for support. Now that he is unemployed, how can the family survive?

Thinking of this, Zhu Xiuhua's eyes went dark and he felt extremely panicked.

**

In the evening, Jiang Guoyun still returned home at 6 o'clock.

"Are you back?" Zhu Xiuhua pursed her lips.

"Yes." Seeing that the room was very quiet, Jiang Guoyun couldn't help but ask, "Where is the child?"

"I sent him to my mother-in-law's house and asked her to take care of him for a day," said Zhu Xiuhua.

"If you're tired, it's good to take a break." Jiang Guoyun said.

Since the second baby was born, my wife has to take care of both the older and the younger one, and she is very busy all day long.

Jiang Guoyun often heard her complain that "working is not as tiring as taking care of the children at home", so he thought his wife could not cope with it and was looking for an opportunity to be lazy.

"Lao Jiang, tell me the truth, is there a problem at work?" Zhu Xiuhua originally wanted to ask in a roundabout way, but the more he thought about it, the more anxious he became.

Then I thought, we are a family, what can't we talk about directly? So I asked without hesitation.

Hearing this, Jiang Guoyun was stunned, not knowing how to react.

Seeing this, Zhu Xiuhua's heart immediately sank - if it was nothing, her husband would have told her not to think too much. He didn't deny it, which showed that he agreed.

Jiang Guoyun moved his lips and uttered with difficulty, "...How did you know?"

Zhu Xiuhua's mood sunk to the bottom. "I went to the kindergarten to pick up my child and happened to run into Yang Qin. She didn't know you were hiding it, so she accidentally let it slip."

Deathly silence.

His lie was exposed on the spot, and Jiang Guoyun didn't know how he could defend himself.

Zhu Xiuhua, on the other hand, took several deep breaths and managed to calm down. "How long have you been unemployed?"

Jiang Guoyun said hoarsely, "Half a month."

Zhu Xiuhua's lips trembled. She glared at her husband and asked loudly, "For a whole half month! He didn't even mention it! What on earth were you thinking?!"

Jiang Guoyun smiled bitterly, "I wanted to tell you when I got home the day I was fired. But you were chatting with mom, praising my ability and saying that I would get a promotion and a raise by the end of the year. How could I tell you that I was fired when you just finished saying these words?"

He is a husband that his wife is proud of, and a son that his mother is proud of. How can he reveal his scars in front of the most important person in his life and admit that he is not good enough and cannot meet the other person's expectations?

It was a matter of self-esteem, and he couldn't say it.

Zhu Xiuhua stared at her husband in a daze, unable to speak for a long time.

Jiang Guoyun added, "I thought I could easily find a new job with my education and work experience. Once I found a new job, I could tell you about changing jobs. But the economy was bad, and I haven't found a suitable one in half a month..."

Zhu Xiuhua took a deep breath and said, "Things have become like this. There is no point in complaining. We have to find a way to solve it."

Then she asked, "How much money is in the card? Have you calculated how long it can last?"

Jiang Guoyun replied, "When I was fired, the company gave me 2n+1 compensation, which is 150,000 yuan. But every month I have to pay the mortgage and car loan, as well as the living expenses for a family of six and the fees for my children's interest classes... All in all, it can only last for half a year."

Half a year.

It’s neither long nor short.

Even if you find a job in a new company, you still have to work first before you can get your salary next month.

Zhu Xiuhua pondered for a moment, "The company has paid five insurances and one housing fund before, remember to collect unemployment benefits."

Although it's only a little over a thousand a month, it's still an income after all.

Jiang Guoyun slapped his forehead, showing an annoyed look, "If you hadn't mentioned it, I would have forgotten it!"

"My daughter is 2 years old and has good self-care ability. I can send her to kindergarten early." Zhu Xiuhua racked her brains.

"When both my children enter kindergarten, I will go out and look for a job."

"Don't the parents-in-law usually have nothing to do? Why not find them some easy jobs? The father-in-law can go to the hospital to guard the gate, and the mother-in-law can work as a community worker, visiting people and chatting."

"Although the salary is low, it is still an income and it is not a problem to support myself."

"No!" Jiang Guoyun objected strongly. "My mother is so concerned about her reputation. If people knew that her son was unemployed, she would never be able to see anyone again."

Zhu Xiuhua glanced at her husband and said, "Don't say anything. My parents-in-law will continue to travel. Maybe they can buy a small golden Buddha statue next time to bless her son's career and fortune."

Jiang Guoyun was speechless.

This...his mother might really do it.

After thinking for a while, Jiang Guoyun said, "Let's keep the unemployment a secret for now. If we can't hide it anymore, we can tell the old man."

Zhu Xiuhua frowned and wanted to object.

Jiang Guoyun was resolute. "My parents have worked hard all their lives and finally have a few days of peace and stability. I don't want them to worry."

The words came to my lips, but I couldn't say them.

Zhu Xiuhua sighed, "It's up to you."

When he spoke, his eyes were full of confusion.

Who could have thought that she would suddenly encounter such a disaster when her life was going well? Before her husband spoke, how much she hoped that she was suspicious and wrong?

But the reality is so cruel that it shattered all her fantasies in an instant.

Jiang Guoyun hugged his wife and consoled her, "It's just unemployment, it's not a big deal. Grit your teeth, it will be over soon."

**

After talking it out, Jiang Guoyun no longer had to spend the whole day in the coffee shop. He submitted resumes in the morning, helped with housework in the afternoon, and occasionally played with his children.

In order to increase family income, Zhu Xiuhua also tried to submit a resume.

But she had been working at home full-time for more than four years, and had long forgotten all her professional knowledge. Even her interpersonal relationships in the workplace had become very unskilled. She didn't know which company would be willing to hire her.

After a week, there was no response from the company, and the couple became more anxious than each other.

Zhu Xiuhua felt that if they continued like this, they would definitely get sick. So she dropped her child off at the kindergarten and the two of them went out to chat with friends to relax.

Jiang Guoyun's friend's surname is Zhang, and his name is Zhang Yan. He is a programmer and is about the same age as him. He was also fired this time.

Jiang Guoyun was feeling depressed, so he called the person out, intending to help them talk.

But when they met, Jiang Guoyun was surprised - the other person had a rosy face and was full of energy, not like a middle-aged unemployed man. Instead, he looked like an old tree blooming and welcoming spring.

"Any good news lately?"

Zhang Yan chuckled, "Didn't I get fired by the company? I've been sleeping at home every day recently, and I feel refreshed and comfortable all over!"

Jiang Guoyun, "... can you be happy without a job?"

Zhang Yan's face straightened. "I am unemployed, but my wife is still working. More than 200,000 yuan a year is enough for the family expenses."

"No need to pay the mortgage? No need to pay the car loan? Is there enough money for my child's tutoring class?" Jiang Guoyun raised his doubts one after another.

Zhang Yan: "My family bought three houses, all of which are 80 square meters, in the same residential area. One is for my parents, one is for me and my wife, and one will be for my daughter in the future. As for the mortgage, it has been paid off long ago!"

"Car loan? My wife and I don't like to buy cars. We have to pay insurance every year, gas every month, and buy a parking space. We usually go out by electric car. If we go far, we take the bus or subway, or take a taxi."

"My daughter is only 6 years old. Why should she attend tutoring classes? Learning to paint is enough to make her suffer."

Jiang Guoyun felt bad.

The same middle-aged unemployed, others are living a happy life, but he is so busy that he even calculates how to spend money in his dreams!

"Where are your parents?" Jiang Guoyun asked, "Didn't they say that they have rural hukou and no pension, and have to rely on their son for support?"

"What era is this? I still rely on my son for support!" Zhang Yan laughed. "A few years ago, the rural area issued a regulation that said if you pay a lump sum of money, you can get a pension every month in the future."

"I figured it was worth it, so I paid the difference for my parents."

"At first I was paid 800 a month, but then I got a raise every July. This year I'm getting 1,200!"

"My parents, that's 2,400 yuan in total, which is enough for food."

"Occasionally I give them some extra money, and they go out and play around."

"Sometimes they are short of money and are too lazy to ask me for money, so they just find a random job and work for half a year. Not long ago, my dad had nothing to do and went to the senior citizen university."

Jiang Guoyun drank alone.

He found that it was a wrong decision to find Zhang Yan.

Not only did I not relax, but I became more and more nervous and anxious.

Zhang Yan said he was addicted, and he kept talking, "After I got home, I thought about it for a long time and felt that a man should have his own career!"

"At 35, you are in the prime of your life and full of energy. If you don't fight now, how will you have another chance in the future?"

"Besides, my parents are settled and my wife is at home to support me, so I don't have to worry about anything. It's a good time to give it a try! If I fail, I will find a job and work hard until I retire, and never worry about it again."

"To be honest, I would not be willing to work for others all my life without any struggle or adventure."

Zhang Yan talked a lot about his future plans, and Jiang Guoyun was very envious.

We are both programmers, of similar age and with similar incomes, but why do others live a carefree life while I have to tighten my belt and struggle to survive?

**

Zhu Xiuhua was planning to go out to visit a friend. Before leaving, she suddenly remembered that the strange man in a suit had once reminded her that "the family is going bankrupt."

She thought the other party was deliberately intimidating her in order to achieve his ulterior motives, so she ignored it.

Now that her words had come true, she belatedly realized that the other party was actually quite capable.

Zhu Xiuhua thought, why not find the little man in the suit and ask her if she has any way to overcome the current crisis?

Do it when you think of it.

Zhu Xiuhua called softly, "System, are you there?"

Yun Luo: “Not here.”

Don't get close to me.

Remembering a grudge.jpg

The author has something to say:

Author's Science

Some people ask, why does the critical illness insurance only pay 200,000 yuan after getting sick? Should it be combined with other insurance?

In fact, taking the critical illness insurance in xFubao as an example, there are options for the amount of coverage when purchasing insurance, which are 100,000, 300,000, and 500,000 respectively.

The same policy is valid until age 70, with annual payment for 20 years

100,000 yuan per year 830

300,000 yuan per year 2490

500,000 yuan per year 4150

[If you want to enjoy high-value protection, you have to pay more premiums. Some insurance companies even offer a 1 million coverage option]

Why is it recommended to buy consumption-type insurance, and not dividend-type/return-type insurance?

Consumption-based advantages: Spend less money and get high leverage

For example, the annual payment is 4150, and the compensation after the accident is 500,000

Disadvantage: If no claims are made during the coverage period, the premium paid is in vain.

Return advantage: If no accident occurs, you can get a certain percentage of the insured amount or premium returned, which is equivalent to "forced savings".

Disadvantages: The premiums are more expensive than those for consumption-based policies, a certain number of years of coverage is required, and the loss from canceling the policy midway is relatively large.

Why is the consumption type still recommended when the refund type can return money in the end?

For example

Consumption type pays A per year, return type pays A+B per year

After N years without any accidents, the refund amount is C

It seems that the consumption type suffers a loss, but in fact, the difference B is deposited in a general money fund (annualized 3%-4%). After many years, the compound interest of the difference B will ≈ the return amount C

If you have some financial management acumen, the annualized rate of return is > 5%, then the compound interest of the difference B>> the return amount C

More importantly, the money has been with me all these years, and I can use it whenever I want. If I buy a return type, I have to wait for decades.

[The essence of insurance is to spend a small amount of money to prevent accidents. You don’t need to consider insurance when managing your finances.]

[The dividend rate of each product is different, so please analyze the specific issues. Some products have low interest rates, with an annual interest rate of 1.5%-2.5%, which is better than depositing in money market funds.]