我是五线城市退休教师，退休金这个数就心满意了，你呢？

Summary of Key Points Core Perspective - The retirement pension of 5,000 yuan is insufficient to cover monthly expenses, leading to a deficit of 316 yuan. An increase to 6,000 yuan would provide financial stability and allow for savings [6][10]. Financial Breakdown - Monthly expenses total approximately 2,000 yuan, covering basic necessities and utilities [2]. - Monthly mortgage payment is 1,650 yuan, with a loan taken in 2013 at an interest rate of 5.8% for 12 years [4]. - Annual social expenses amount to around 2,000 yuan, averaging 166 yuan per month [4]. - Costs for two grandchildren's extracurricular activities and care total 18,000 yuan annually, averaging 1,500 yuan per month [4]. Employment and Pension Insights - The retirement pension is lower than peers due to career choices and limited advancement opportunities in the education sector [6][8]. - The pension has seen minimal annual increases, with only a 95 yuan increase last year [8]. - The individual is considering additional work opportunities to supplement income, reflecting a broader concern among retirees about financial security [10].