2030이 알아야할 비참한 노후를 피하기 위한 확실한 3가지 방법

You can calculate the amount of money you'll need in the future. You can write down your monthly expenses on this table and calculate the total. Let's say I spent 120 million won when I was 60 years old. I'm going to pay it back. Everyone knows this, right? It's impossible to retire early in the 100-year-old age. Then you can check the amount of pension that you have received so far. They guide you in a very kind way. That's why you can prepare your retirement plan more firmly. They say it's very important to reduce consumption and maintain income as the old age approaches. It's good to have a job for about three days a week, so you need to have a steady flow of cash. Hello, I'm Kim Chan-bu, a rich man. Everyone, one of the keywords I've been hearing since 2024 is hexagonal human, hexagonal now. Have you ever heard of anything like this? This is a hexagonal graph that is used to compare and analyze various characteristics. In addition, appearance, education, assets, job, family, personality, etc. You can write down the keywords that people want. It's perfect in every way. It's a word that's often used in the process of pursuing perfection and desiring it. I think Z-tech has been added to this tip these days. Is it a rectangle? Because when I meet real people these days, they often say the word old age preparation. Until the late 20s, the word old age was like a fossil for me. It was a very far word. But now I'm in my mid-20s. There's a little bit of this flow. So today, it's not just an obvious old age preparation, it's a real old age preparation. In this situation where the old age poverty rate is the highest among OECD countries, It may be a little painful, What do we need to know and what do we need to prepare so that we don't have a miserable old age? I've been studying hard. Let's watch the video until the end and prepare for our real old age. First, calculate realistic living expenses. Everyone, I'm really far from the word realistic. I say it often, but it's really a flower garden. I just want to live with a happy imagination. The moment reality comes, I feel like I'm doing it. But in the case of low-cost Z-tech, The gateway that must be passed is this reality. It's the exact calculation of money. I'm having a hard time with realistic conversations. The best thing about realistic money calculation is that it doesn't feel vague. It's less scary than I thought, but it's a tower-like mind. The reason why most people can't make money is because they're stuck in the first step, how much they can save. I'm so scared to face it, I think I'm going to have a reality. What have I done so far? I was so scared to step into depression. I've been through the same thing. But you know, our real people. I thought it was a very deep place, so I stepped on it, but it's not as deep as I thought. It's worth it. I was very nervous until I went into real estate. After a few times, I felt comfortable. I said hello to the boss. When I didn't know about stocks, I thought I'd be ruined if I did this. I thought I'd be ruined if I did this. If you read a few books and buy a week, From then on, I read a little bit of the economic newspaper. It's all like that. It's the same with my preparation for old age. I calculate it, I get to know it, and it takes a long time to prepare for old age. That's how happy you can be. How much do I need in reality after retirement? What should I prepare for that? If you prepare these things, it's not scary at all. Now, let's go into reality. First of all, I need to know my consumption right now. Whether you're saving or not, First of all, I need to know my monthly living expenses. I can calculate the old-age funds I need in the future. I think it would be really good to calculate the total sum by writing down the approximate monthly expenditure amount on this table. If you have a lot of fluctuations every month, or if you don't have the experience of writing an account, If you do a consumption analysis on the Kyoho Life app, You can see how much you spent in a month. It can be automatically classified according to the payment address. So you can check right away which item you spend the most money on. As I see it, The flower shop. Yes, it was big. For example, I'll say it's about 300 a month on average. When we're in our 60s and 70s, Of course, the price will go up even more. You know it's hard to buy clothes with 100,000 won these days, right? And you'll have a lot more free time than you do now. What does that mean? It means you'll have more time to spend money. So under that judgment, I'll calculate my old-age needs for 4 million won a month. Everyone, if your living expenses are low like this, You can calculate the necessary assets. I've heard some stories from experts related to old-age preparation. 20 times more than your expected living expenses. If you multiply it by 30 times, It's said to be a necessary asset or a spare asset. Then I'll think of it as an individual. I don't have a husband. I need 400 living expenses. The assets are multiplied by 30 times here. I need 1.2 billion won. Yes, 1.2 billion won. Now, I'm going to make a plan from now on to make 1.2 billion won. How can I use my current assets? How much do I have to save from now on? You can use this as a road map for your financial goals. You know, right? You'll remember all the old seats. You know this ticket, right? Kim Chan-bu's financial plan ticket. I'll give you this, too. In my case, I like to calculate in reverse order. It's not the future. I'm going to prepare for it from now on. That's how I feel. When I was 60, I spent 1.2 billion won. I'm going to do it in reverse order. Here, according to my current age, If you use the money I have, How much do I have to save every year? How much investment revenue do I have to set up every year? I can see it in my eyes. Then, my annual plan for my old age living expenses and old age savings. It's going to be built from now on. But at this point, someone might have a little bit of a reality. But everyone, if you use this financial road map, It makes you save more money than you want. There's no way to explain it scientifically. I think I have a lot of power from setting this goal. Really. Don't set it up. Let's try it. And there's a function that can really, really design your old age. It's in the Kyobo Life app. From national pension to pension savings, to IRP. I'm doing my best to get paid. I don't know how much I'm going to get in the future. Honestly, you don't know. But when you go into the Kyobo Life app, So far, I've been paid. And I can check the amount of pension I can get. I said earlier, I need about 400,000 won for my living expenses. I set it up. Less monthly average income than that amount. Then, do you want to increase your monthly average income? If you press this button, It's very kind to guide you to that method. So I can prepare my old age plan more firmly. And second, take care of your health in various ways. This is actually what I've been preparing for this content. It's been a lot of work. Everyone, there are more than 6 million diabetes patients in Korea. In fact, the total population of diabetes patients, which is a high risk group, As of 2023, 15.83 million. In fact, one in three is suffering from diabetes or diabetes. It doesn't feel that way right now. After I got married, I ate a lot next to my husband who I love so much. I gained weight. I started running again. So I'm trying to eat a little far away. My YouTube algorithm has changed to be related to health. But when I saw what the doctors were saying, In the end, the most important thing is a consistent routine. That's the most expensive and strongest. So I'm going to introduce you to a routine service This is also in the school life app. If you go into the school life app, there's a day routine service. There's a routine that limits exercise, diet, breakfast, and dinner. I can make it myself. For example, what I'm doing right now. It could be a three-kilometer run. When I wasn't used to using the store, I set an alarm at 9 p.m. every night. I checked if I spent it that day. That's how I got used to it in a month. I started running anyway. I'm going to make a three-kilometer run routine. You can set a time notification. I did it yet. You can check the success rate of the routine. If you scroll down, you can check if you're doing well for a week. If you succeed in a day or a week, There's a badge. I'm going to make my routine with this. I can feel the pride. The most important thing about preparing for old age is... It's about health. It's insurance. The older you get, It's very important to know if there's a big hospital near your house. I don't know when and how I'm going to get sick. I think it's an area of old age that needs to be prepared in advance. That's why we take insurance. I don't know when and how it's going to happen. I pay my insurance every month. I don't know when and how it's guaranteed. I don't even know what insurance I'm signed up for. There are a lot of people who don't know. So I made it so that I could see it easily. This is the guarantee analysis. Through financial MyData, Insurance that has been signed up for all insurers. There's a service that collects insurance at once and checks the insurance guarantee. If you click on the asset management at the bottom of the school life app, You'll get the total assets I've connected. There's a guarantee analysis button right below. You can click here. I've done this right away. I pay my insurance at 82,844 won a month. If you click on the guarantee analysis tab next to it, Compared to the average guarantee level of my age, Some parts are guaranteed enough. The area where women in their 20s pay the most is cancer surgery. I don't have any cancer in my family. I thought it might be okay, so I reduced this part. And when I saw this, My peers are holding it up like this. I thought it wasn't too much. And I really liked this. How much I get when I die. Dementia, liver disease, cancer, brain, heart, etc. Depending on the disease I have, It's very neat and clean. Actually, I've never been hospitalized in my life. So maybe when I get insurance, It's okay to be hospitalized. Even if I'm hospitalized for a day, There's nothing that can be guaranteed. Anyway, looking at these tickets, I don't feel like I have to get insurance. Maybe I didn't prepare too much. How well are you prepared? I was thinking about this realistic preparation. And if you look here, I've collected all the questions about insurance. There are a lot of insurance Q&A contents. So if you want to check my insurance, I really recommend it. And third, find a job that you can do for a long time. I think it's the most important point to prepare for my old age. To put it a little more directly, I don't think I should think about quitting my job. You've heard a lot about the low-growth era these days, right? As the economic growth rate itself decreases, As much as our parents' generation, It's hard to face the rapid rise in asset prices. In the last five or six years, We've seen a huge rise in assets and a decline. How much can you invest and earn? It's going to decrease more and more. Constant flow of cash is very, very important. A data expert said, In the future, the world where everyone eats and lives will come. I said, If you dig a little deeper into this, I heard that there should be constant work to earn. Once upon a time, retirement was in vogue. I don't think I can hear these words these days. If I have a job, thank you. It's kind of like this. So, in fact, an expert said, As the old age approaches, consumption is reduced, but income is maintained. He said it was very, very important. It's good to have a job for three days a week. I don't know where to build expertise. I don't know what expertise this era wants. I think it would be great to think about it once a year and check it out. I highly recommend this book. When it comes to home tech, everyone thinks about what to invest. You need money to exchange your value now. You can save money for the future and invest while being called. So, in the end, Let's never lose the value of our current labor. Today, we learned how to make a smart and realistic old-age debut. If you have anything to share, please leave a comment. Let's try an old-age debut! Bye~~