Just after three o'clock in the afternoon, after sending off the customers, my colleague Shen Nianzhi came over and said, "I'm hungry, shall we share an order for takeout?"

Zhao Qianqian's heart was filled with alarm.

Shen Nianzhi was the heroine who had just received her year-end bonus and spent it all that night.

Zhao Qianqian replied calmly, "I want to lose weight."

Shen Nianzhi inexplicably found it funny, “You’re not fat, why are you trying to lose weight like others?”

I'm not fat, but I'm poor.

Zhao Qianqian had a blank expression on her face and refused again, "I don't plan to order afternoon tea, you can find someone else."

"Who else can I find besides you?" Shen Nianzhi said with resentment.

"Either you focus on saving money, and you want to spend every penny in half, and your biggest interest is buying financial products. Or you take out a mortgage and can't get out of trouble for 30 years."

"You are the only one who has no burden with me. You can eat whatever you want and drink whatever you want."

Zhao Qianqian: ...Actually, I’m not as free and easy as you think.

But Shen Nianzhi recognized her and kept persuading her.

Zhao Qianqian remained indifferent.

After a while, Shen Nianzhi drooped his shoulders and said in a discouraged tone, “It seems that you are determined to lose weight.”

Even if she talked her mouth off, the other party would not waver, which shows how firm her attitude is.

Zhao Qianqian: “Yes.”

She wants to save money and will never compromise.

“Forget it, forget it, I won’t order takeout.” Shen Nianzhi gave up.

Zhao Qianqian was quite speechless, "If you want to eat, you can order it yourself."

Why do you have to drag her along to share the bill?

Shen Nianzhi explained, "One person can't eat that much. If you don't order the full amount, there will be an additional delivery fee, which is not worth it."

"Aren't you the kind of person who spends all your year-end bonus in one night? Why would you be reluctant to spend a few dollars on delivery fees?" Zhao Qianqian couldn't understand.

"This is different." Shen Nianzhi argued, "Although the mobile phones and computers I bought are expensive, they are of good quality and worth the money. I can save on the delivery fee for takeout, so why waste money?"

There are too many complaints to mention.

Zhao Qianqian originally thought that since both she and Shen Nianzhi spent all their money every month, their views on money should be similar. However, when they talked about it, she found that their views on money were quite different.

If it were her, she would give up the latest mobile phone and computer without hesitation, and order takeout more often.

Seeing Zhao Qianqian’s face full of shock and unable to speak for a long time, Shen Nianzhi smiled brightly and said with a little pride, “The latest mobile phone with the latest computer, this is called exquisite life!”

Zhao Qianqian, "..."

I can't bear to order takeout because of a few dollars of delivery fee. Is this how you call life? I'm not well educated, don't lie to me.

Zhao Qianqian had no intention of arguing with the other party and gave an awkward but polite smile.

Shen Nianzhi thought that Zhao Qianqian was yearning for a refined life, so he took Zhao Qianqian's arm and enthusiastically recommended, "There is a lipstick that is very popular recently, known as the 'male-killing color'! The store is having a promotion these days, why don't we buy it together? If we buy together, each person only needs to pay half the price, which is very cost-effective!"

Zhao Qianqian's body visibly stiffened.

It wasn't that she was attracted by the lipstick, but she suddenly remembered where her salary went.

I didn’t keep accounts before. I just knew that my monthly salary was just enough to spend. It was like I spent some here, some there, and the money was gone. As for where exactly I spent it, I had no idea.

Seeing Shen Nianzhi, she suddenly remembered—similar scenes had happened more than once.

Sometimes at the beginning of the month, she spent less money and had a lot of cash left. Shen Nianzhi came over and asked her to share the bill, buy things together, and get discounts, and she agreed.

Sometimes it was skin care products, sometimes it was brand-name handbags, sometimes it was boots and dresses. She couldn't remember how many things she had bought in total.

Sometimes, without paying attention, she would spend more money at the beginning of the month. She would say, "I don't have money, I'll wait until next month's salary", and Shen Nianzhi would understand and never mention anything about buying together.

As time went by, I spent just about all my salary every month. I had no debt, but I also had no savings.

After figuring it out, Zhao Qianqian said, "..."

It turns out that the reason why she was so moonlit was also due to Shen Nianzhi's contribution?

Zhao Qianqian had a strange look on her face, but Shen Nianzhi was totally unaware and continued to sell it, "This is the most popular lipstick this year, popular among thousands of girls! After applying it, it is no longer a dream to pick up countless boys!"

"No." Zhao Qianqian pulled her arm away, her voice slightly cold, "I haven't finished using the lipstick I bought last year."

"Just stock up." Shen Nianzhi didn't care. "Anyway, things like lipstick can always be used after buying them. Isn't it nice to have a few colors to use in rotation?"

Zhao Qianqian: You said the same thing the last time I bought a skirt. But a year later, I never wore the new dress, and the stockpiled goods became waste.

"I won't buy it, you buy it." Zhao Qianqian said firmly.

If Shen Nianzhi could afford it, he wouldn't have to instigate Zhao Qianqian to join.

When shopping, the more you buy, the bigger the discounts you get. If you are alone, you won’t get many discounts, and you can’t buy anything else after buying lipstick.

Therefore, Shen Nianzhi persuaded earnestly, "Look at this color, how beautiful it is? Are you really not going to stock up one?"

"Don't say I didn't warn you, this lipstick is very popular! It will probably be sold out tonight. If you want to buy it then, you'll have to wait another half a month!"

"Place an order now, it will be shipped immediately and you will receive it the next day. Isn't it much better than waiting anxiously?"

Zhao Qianqian was very calm and was not fooled into losing her mind. "Even if it's sold out, I won't wait for it, because I don't plan to buy it at all."

Thinking of this, "..."

She thought it was strange. Usually, Zhao Qianqian would give in and agree to share the bill with her after just a few words, but why was she not interested today no matter how much she urged?

Do you really not feel anything about lipstick?

At the same time, the look Zhao Qianqian gave Shen Nianzhi was no different from the look she gave him when guarding against a thief.

Cherish your hard-earned money, protect your parents' retirement money, and keep your family's life-saving money. This is the bottom line, and you will never give in!

Zhao Qianqian was as cautious as if facing a powerful enemy.

Shen Nianzhi softened his tone and chuckled, “If you don’t like lipstick, it’s not bad to have a set of foreign brand cosmetics. The price is not expensive, only five or six hundred.”

Zhao Qianqian, "..."

Five or six hundred is not expensive? It’s enough for her food expenses for half a month!

Just then, a customer came to the door.

Zhao Qianqian seemed to have seen a savior. She spoke quickly, "I don't need anything, you can find someone else."

After saying that, he left in a hurry.

“Hey——” Before Shen Nianzhi could say anything, the person disappeared.

Shen Nianzhi was puzzled, "What's wrong with Zhao Qianqian today? Not spending a penny, this is not like her."

**

It was a busy day at work, and Zhao Qianqian could only catch her breath after get off work.

Without waiting for Shen Nianzhi to come over to block her, she grabbed her bag and ran away without looking back.

After leaving the company, I went to the hospital to visit my mother as usual.

As soon as she entered the ward, Wang Yan shouted happily, "Qianqian, I have good news to tell you!"

Zhao Qianqian hadn't seen her mother so happy in a long time. Ever since she decided to have the surgery, her mother had an unspeakable sadness on her face, as if she was worried that the family would not be able to make ends meet in the next second.

No matter how much I persuade him, he won't listen. No matter how much I swear to save money, it's useless. In the end, I can only let it go.

Now he is smiling happily, as if he had picked up money.

Zhao Qianqian asked, "Is this a lottery win?"

"Almost." Wang Yan said excitedly, "The doctor examined me today and I asked him casually. Guess what? He said that if there is money in the medical insurance card, I can pay by card!"

Zhao Qianqian was stunned.

She subconsciously sat on the edge of the bed, "Mom, what happened? Tell me in detail."

Wang Yan suppressed her joy and said, "The doctor said that if a woman pays for medical insurance for 20 years during her working life (25 years in some areas), she can continue to enjoy basic social medical insurance benefits after retirement."

Zhao Qianqian nodded, "I know this. The reason why the surgery fee can be reduced is because you have social security."

Wang Yan: "Then do you know that there is a monthly refund on the medical insurance card?"

Zhao Qianqian was stunned. After a moment of silence, she shook her head and said, "I haven't heard of it..."

"The doctor said that young people will get a lower return, about 2%-3%. Retirees like me can get 4%-5% back every month!" Wang Yan smiled from ear to ear.

"To put it simply, more than 100 yuan will be deposited into my medical insurance card every month. As long as I don't use my card to pay at drugstores or hospitals, the money will continue to accumulate."

"You know, I don't understand these things. I only realized them when I heard people mention them. I just asked the doctor to check the balance of my medical insurance card and found that there is more than 10,000 yuan in it! Now I don't have to worry about the surgery fee."

There is a refund on the medical insurance card every month? Zhao Qianqian was confused.

"The doctor also said that if the family is in financial difficulty, the children's employer will pay for the five social insurances and one housing fund, and the children can withdraw the provident fund to make up for the expenses." Wang Yan breathed a sigh of relief. "I heard that I don't have to touch the deposit in the bank card. I feel relieved all of a sudden."

Zhao Qianqian went from being confused to being completely bewildered.

Just at this moment, Yun Luo spoke up, "Your mother is right, all this money can be used to pay for medical expenses."

"If an employee or his/her immediate family member suffers from a serious illness, he/she can withdraw the provident fund."

"If you encounter an emergency that causes your family to spend a large amount of money (such as surgery), causing difficulties in daily basic living, you can also apply for withdrawal in this case."

Zhao Qianqian, who was once driven to tears by hospital bills and seriously considered suicide to defraud insurance, "..."

She asked Yun Luo expressionlessly, "Why didn't you remind me before?"

Yun Luo: "The host didn't ask."

Yun Luo: "My savings plus the medical insurance exemptions are enough to pay for the surgery."

Yun Luo: "The host should be the one who knows best how much assets you actually have. Why should someone else tell you?"

Most importantly, the first meeting was not pleasant and she was too lazy to say much.

Zhao Qianqian burst into tears.

She lived in a daze. She really had no idea how much assets she had...

"I'll go back and sort it out tonight." Zhao Qianqian said to herself.

Wang Yan was overjoyed to learn that there was more than 10,000 yuan in her medical insurance card. There were two meat dishes and a chicken drumstick in her lunch box!

Seeing her mother's appetite improve, Zhao Qianqian finally felt relieved.

After Wang Yan finished her meal, she helped clean up and then slowly walked back home.

**

At 21:30, Zhao Qianqian cleaned herself up and sat down at the desk on time. She prepared a pen and paper, then took out her phone and searched "how to sort out personal assets".

After all, she graduated from a university and had some basic self-study skills. After Yun Luo taught her, she remembered, "If you don't understand something, ask x degree."

After browsing several links and finding the answers too complicated, she changed the keywords to “how to check the assets under your name”.

The result still doesn't work.

Just as he was about to change it again, Yun Luo suddenly appeared and sat down at the table, "Change the keyword to 'personal balance sheet'."

Zhao Qianqian entered the text as instructed.

The page jumps and a new link appears soon.

Opening any of them, she would see a form clearly listing the assets and liabilities, and she only had to fill it out in order.

The author has something to say:

Popular Science from the Author

Q: What kind of commercial insurance should I buy?

A: First, buy medical insurance, and then buy commercial insurance as a supplement.

Q: If I want to buy, what kind of commercial insurance should I buy?

A: The four most commonly used ones are accident insurance, critical illness insurance, medical insurance and life insurance.

**

1. Accident insurance: The insured amount is generally 5 times of the annual income. It is paid annually, and you will be covered for one year.

For example, Taobao’s comprehensive accident insurance costs 448 yuan per year, and pays 1 million yuan for accidental death, injury, and disability.

2. For critical illness insurance, the coverage amount is generally 5 times of the annual income.

If the insured suffers from [major diseases] such as malignant tumors, myocardial infarction, cerebral hemorrhage, etc., the insurance company will pay compensation.

Critical illness insurance is relatively expensive and is divided into one-year, term and lifetime plans.

The one-year term is the cheapest, but if you get sick, you may not be able to renew the policy later.

Generally, people choose to choose a term policy, which covers them until they are 70 years old.

Lifetime is too expensive.

3. Medical insurance

Minor illnesses rely on social security, major illnesses rely on medical care, and medical insurance is generally used to cover medical expenses that exceed social security.

For example, for long-term medical insurance on Taobao, if you are young and have social security, you pay 260 yuan a year; if you are old and have no social security, you pay 5,000 yuan a year. (In other words, the amount of premium depends on the insured's age, physical condition, and whether or not they have social security.)

4. Life Insurance

During the performance period, if the insured dies or becomes totally disabled, the insurance company will pay compensation according to the agreed amount.

Let’s still use Taobao’s term life insurance as an example. When you are young, you pay 575 yuan per year, and the insurance is insured until you are 60 years old. During this period, the death compensation is 1 million yuan.

This insurance is mainly for the main labor force in the family to prevent accidents that might happen to the breadwinner and make it impossible for the family to maintain a normal life.

[Note 1: You should choose pure consumption insurance. Dividend and return insurance have low protection and poor returns, which is basically a scam.]

【Note 2: Priority is given to the labor force for insurance√, and priority is given to children for insurance×. 】

【Note 3: Critical illness insurance and life insurance are relatively expensive, so whether to purchase them depends on your financial ability. The total premium should not exceed 10% of your household income.】

[Note 4: A reader in the comment area reminded me that I specifically checked the information and found that China's Insurance Law stipulates that if you purchase life insurance continuously, you can claim compensation if you commit suicide two years later. I would like to make a correction. (Only long-term life insurance)]

**

The so-called insurance is that if you buy it but can't use it, you feel that you have wasted money. But once you use it, you will be extremely glad that you bought it.

In addition, I am not advertising Taobao... It just happens that it has all the products I need, so I use it as an example.

**

Regarding the minimum social security payment year and refund ratio, the policies in each region are different.

Don't be surprised if the data in the article does not match local policies.