从明年起,每个临近退休的人都要面对一道选择题:往前提,还是往后推。这不是挑个日子那么简单,而是直接决定你未来十几年每月养老金到账多少的总账。账算明白了,一个月能差出几百块;算不明白,白白少领一大截。
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