Firstly, don’t panic! 🙏 If your social security contributions are less than 15 years when you retire, there are options. You can continue paying contributions until you reach the required年限. This is often called "backlog payment." 💪

Another option is to apply for deferred pension payments. Some regions allow retirees to receive pensions while continuing to pay the remaining balance. 📝 Check with your local social security office to see if this applies to you.

If neither of these options works, consider other retirement income sources like personal savings or investments. 🤑 It’s also wise to consult a financial advisor for personalized advice. Remember, planning ahead ensures a more comfortable retirement! 🌟