Background
In recent years, with the development of society and the progress of medical technology, more and more couples choose to postpone childbearing, and the elderly childbearing has gradually become a trend. Elderly childbearing means that women are pregnant at the age of 35 and above. However, in addition to bringing joy, the elderly childbearing has also triggered a series of financial impacts.
Impact 1: Increase in medical expenses
With the growth of age, women's ability to conceive gradually declines, and assisted reproductive technology may be required to achieve pregnancy. The cost of assisted reproductive technology is high, including in vitro fertilization, IVF, etc., and it is not a one-time success. The increase of these medical expenses may impose a certain burden on the couple's financial situation.
In addition, elderly pregnant women need to strengthen physical examination and prenatal examination during pregnancy to ensure the health of the fetus. These additional medical expenses will also have a certain impact on family finances.
Therefore, the possible increase of medical expenses must be taken into account for the elderly childbearing. The couples need to make financial planning in advance to ensure that they can bear the payment of medical expenses.
Impact 2: Increase in education expenses
Having children at an advanced age may cause couples to be older when their children attend school, which means that couples need to pay more for education in a shorter period of time. At the same time, some older children may need special education and care, which may increase the cost of education.
In addition, the elderly couples who have children may face the situation that retirement and children's education expenses need to be paid at the same time, which will bring some pressure to family finance.
Therefore, couples need to fully consider the increase in education costs and make corresponding savings and financial planning before deciding to give birth at an advanced age.
Impact 3: Increased pressure on parenting
Because the elderly childbearing is generally selected when the couple's career and economic foundation are relatively stable, the husband and wife may have entered the stage of high salary, and work pressure is high. At this time, the arrival of a new baby will have a certain impact on the work and family life of both husband and wife.
Couples may need to adjust their working hours to take care of their children while maintaining their jobs, which may lead to increased stress. In addition, children born at an advanced age may need more attention and care, and couples need to spend more time and energy to care for their children, which may have a certain impact on their career development and economic income.
Therefore, before giving birth at an advanced age, couples need to fully consider the pressure of raising children and make preparations and arrangements to better balance work and family.
Impact 4: Family pension risk
Couples who give birth at an advanced age may have entered retirement age after their children reach adulthood, and still need to bear the education and living expenses. If couples do not make adequate financial planning, they may face the dual economic pressure of raising children and providing for the elderly.
In addition, because the life span of the elderly couples who have children is relatively short, they may not be able to provide long-term financial support for their children. This will have a certain impact on children's future development and living conditions.
Therefore, before giving birth to the elderly, couples need to fully consider the risk of family pension and take relevant measures in financial planning to ensure the stability of family economy.
Summary
To sum up, the elderly childbearing will have a certain impact on the financial situation of the couple. The increase of medical expenses, education expenses, parenting pressure and family pension risks may have a negative impact on the financial situation of couples. Therefore, before giving birth at an advanced age, couples need to fully consider these influencing factors, make financial planning, ensure that they can bear the corresponding financial pressure, and lay a solid economic foundation for the healthy growth of children and the happy life of families.
