The influence of parents' elderly childbearing on family economy
The elderly childbearing of parents means that parents choose to have children in their later years. With the progress of modern medicine and the change of social concepts, more and more couples choose to postpone childbearing, which is also increasing in China. However, the elderly childbearing of parents will have a series of impacts on the family economy.
High medical expenses bring burden
The elderly childbearing of parents usually needs to be achieved through artificial assisted reproductive technology in medicine. On the one hand, this technology has increased the success rate of children, but it has also brought enormous economic pressure. For example, in vitro fertilization (IVF) usually requires many attempts to succeed, and the cost of each attempt is very high. In addition, some additional examinations and treatments for the health of the mother or fetus will also increase medical costs. These high expenses are quite difficult for couples who marry late and have children late.
In addition to technical expenses, the elderly childbearing of parents may also lead to an increase in medical expenses in the later period. For example, parents in their later years may face various health problems in the process of taking care of their children and need appropriate treatment. These additional medical expenses will impose a heavy burden on the family economy.
Prolonged recession
Late childbirth means that parents have already entered old age when their children become adults. In contrast, young parents are still in the prime of labor after their children grow up, and can continue to contribute to stable family income. Couples whose parents have given birth at an advanced age may have stepped into retirement when their children need education and potential development. This may lead to a decrease in household income and a prolonged recession.
In addition, the pension and pension of elderly parents may not meet the needs of the family. They need to continue working or rely on their children's financial support to maintain their lives. Therefore, the impact of parents' elderly childbearing on family economy is long-term, and may need to rely on other resources to support.
Increased cost of education and upbringing
Giving birth in old age means that children's education stage often overlaps with their parents' retirement. This makes families not only need to pay for children's education, but also need to solve their pension problems at the same time. Especially if children enter the stage of higher education, the tuition fees at home and abroad are huge expenses.
In addition, older children may need additional care and support. This may include psychological support, education costs for special needs, and medical costs. These additional expenses will increase the financial burden of families.
How to deal with economic pressure
When facing the economic pressure brought by parents' elderly childbearing, families can take some measures to ease the burden:
1. Planning in advance: Before couples decide to give birth at an advanced age, they should make economic planning in advance. Learn about medical expenses, education expenses and pension, and plan how to deal with these expenses.
2. Seeking financial support: families can seek financial support from relatives and friends, or obtain financial assistance through relevant government policies. For example, some countries provide benefits such as education subsidies and child support allowances.
3. Early investment: early purchase of insurance, investment and financing can help alleviate the economic pressure in the later stage to a certain extent.
4. Reasonable planning of family expenditure: Couples can control consumption and save expenditure through reasonable planning of family expenditure to cope with the cost of children's education and upbringing.
Summary
The elderly childbearing of parents has a significant impact on the family economy. High medical expenses, prolonged economic recession and increased education costs all pose challenges to the family economy. However, through such strategies as planning in advance, seeking economic support, investing in advance and planning family expenditure reasonably, families can alleviate economic pressure and provide good conditions for children's growth.
