林修の今知りたいでしょ！2025年1月30日 「老後資金2000万円問題」はもう古い!-お金のプロ30人が答える！2025年版 老後のお金SP
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TVTranscript
00:00Tonight, we solve the problems of the people's money.
00:06Don't you need 20 million yen in pension funds anymore?
00:09The 2025 pension fund special where 30 professionals of money answer.
00:17In the past, it was said that the funds needed for pensions were 20 million yen for 30 years.
00:25How much pension funds do you really need now?
00:31This time, 30 professionals of money will make a decision based on the latest data.
00:37Then...
00:39The pension funds needed from the age of 65 to 30 are 15.8 million yen.
00:46What?
00:47Is it strange?
00:48Is it?
00:49What kind of calculation is that?
00:50In fact, depending on the life of the old man you imagine, the necessary funds will change dramatically.
00:57I'm asking about the old man's life.
01:00I don't want to live such a busy life while I'm relaxed.
01:06After all, I want to work a little and interact with people.
01:10It's a rosy old man's life.
01:12It's a rosy old man's life.
01:14I go on a trip and eat delicious food.
01:18If you want to live a rosy old man's life,
01:25I need 45 million yen.
01:28Wow!
01:30In addition, there are professionals who have a surprising amount of money.
01:35The necessary pension funds I think are 0 yen.
01:40What?
01:42What does that mean?
01:46Then, 30 professionals of money will answer the concerns of the people.
01:522025 Old Man's Money Special
01:57First of all, do you need 20 million yen for old man's pension?
02:026 years ago, in 2019,
02:07the issue of 20 million yen for old men shocked the whole of Japan.
02:13When they heard the story in the city,
02:16How can I save 10 million yen?
02:20After all, the price goes up, but the salary doesn't go up.
02:26It's hard to save money.
02:31It was a shock to the people.
02:34It's been 6 years.
02:37I was very anxious.
02:41First of all, let's learn about old man's pension.
02:45Let's solve the problem of 20 million yen in the first place.
02:50First of all, Oki, the problem of 20 million yen for old man's pension.
02:54It means that you need 20 million yen for old man's pension.
02:58Is this the amount you need for one person?
03:01Or is it the amount you need for two couples?
03:04Which do you think?
03:08One person?
03:10No.
03:1220 million yen for a couple?
03:14That's right.
03:16The amount you need for a couple over the age of 65 or over the age of 60 is 20 million yen.
03:23That's the amount you need.
03:26That's why many people are mistaken.
03:29The assumption is that the two couples are unemployed and only have pension income.
03:36It's about how much savings you need.
03:40I have a question.
03:42How much do you need for one person?
03:45It doesn't cost 20 million yen for one person.
03:50But it's not half.
03:53Even if you live alone or with two people, it costs a lot of money.
03:58It costs about 60 to 70 percent of the total amount.
04:05If it's 20 million yen now, there's a better chance that I'll have a pension in 30 to 40 years.
04:13I'll be able to make a lot of money.
04:15So, what's the amount you need for one person?
04:18Let's ask the professionals.
04:22How much do you need for one person?
04:28Mr. Nagahama of Daichi Life Economic Research Institute.
04:31What's the amount you need for one person?
04:36Is it more than 20 million yen?
04:39Or...
04:41Which is it?
04:42Which is it?
04:43Is there a lower chance?
04:45The amount you need for a couple over the age of 65 or over the age of 30 is about 15 million yen.
04:51That's a lot.
04:54The amount you need for a couple over the age of 65 or over the age of 30 is 15 million yen, which is less than 50 million yen.
05:01One of the reasons is...
05:05The more you get older, the less money you spend.
05:13The more you get older, the less money you spend.
05:18If you take that into account, the amount of money you spend will decrease.
05:22If you compare it with the amount you spend in your late 60s, you'll find you spend 373,000 yen.
05:2933,000 yen in your early 70s.
05:31You'll spend 276,000 yen by the time you're in your 70s.
05:34By the time you're in your 80s, you'll spend 254,000 yen.
05:36You'll spend 255,000 yen by the time you're over 85.
05:39You're spending less money on stuff because you get older.
05:44So based on that, you spend less money for the delivery of the household goods roll.
05:50In fact, the problem of 20 million yen after retirement was not related to the decrease in expenses.
05:59When I asked the seniors how they spend their money,
06:05I used to use it a lot, but I can't use it now.
06:10I don't have a partner anymore, and I have more and more friends.
06:15I want to use it, but I don't feel like it.
06:20What do you spend your money on?
06:22I don't use it.
06:24I've been tramping all the time at home, so I don't spend money on chairs.
06:28I don't use it, so it's left.
06:30I need money, but if I can live my life, I won't take more than I need.
06:36When I get older, I don't have much to use.
06:39In short, I can't eat a lot of food,
06:42I can't drink much,
06:44and I don't need a backrest like I used to.
06:49So I have to dress up.
06:52That's why I don't spend much money when I get older.
06:55I see.
06:56It's true that the number of people who are getting older is decreasing.
07:01That's a point of view that wasn't in the budget.
07:05In fact, the amount of food I eat is decreasing compared to young people.
07:09Yamanishi, what do you think?
07:11I also think that I don't have to pay for my beauty treatment every month.
07:16That's not true.
07:18I'm sorry to hear that.
07:22Furthermore, based on the latest national survey,
07:26didn't a couple need 20 million yen in pension funds?
07:33In the first place, the 20 million yen pension fund issue was
07:37based on a survey conducted by the Ministry of Health and Welfare of a certain year.
07:42In fact, this is based on data from 2017.
07:50That's a long time ago.
07:51It's quite old, isn't it?
07:52It was done 8 years ago.
07:53Yes, that's right.
07:56Here is the amount of money used in the survey at that time.
08:00Average income and average expense due to the pension of an elderly couple per month.
08:06If the income is 209,000 yen and the expense is 264,000 yen,
08:12it will be about 55,000 yen less every month.
08:18Hayashi-kun, how much will it be in a year if it is 55,000 yen per month?
08:24660,000 yen.
08:26What will it be in 30 years?
08:291,980,000 yen.
08:30That's fast.
08:31That's fast.
08:331,980,000 yen.
08:35The total amount is about 230,000 yen.
08:38I see.
08:40In fact, if you do the same calculation with the data released every year since 2017,
08:47the deficit for 30 years will actually change.
08:51Please take a look at this.
08:52It will change very much.
08:54Here it is.
08:56In 2018, the deficit will be 500,000 yen per year.
09:00In 30 years, the deficit will be 15,000,000 yen.
09:03The deficit will be 5,000,000 yen.
09:07In 2019, the deficit will be 12,000,000 yen.
09:11It will be even lower.
09:13And this.
09:15In 2020, the deficit will be reduced to 18,000 yen per year.
09:22In 30 years, the deficit will be 55,000,000 yen.
09:25It will go up a little.
09:27I don't know.
09:28It will go up to 9,000,000 yen.
09:30In 2023, the deficit will be 4,600,000 yen per year.
09:35In 30 years, the deficit will be 14,000,000 yen.
09:38It will be like this.
09:39What is this?
09:40In 2020, the deficit will be 55,000,000 yen.
09:44This is a shocking figure.
09:46Is this true?
09:47Yes, it is true.
09:48He was forced to go to Sugomori.
09:51He couldn't go on a trip.
09:52He couldn't meet people.
09:53He couldn't buy clothes.
09:54The cost of living was reduced.
09:56As a result, the deficit has been greatly improved.
10:01It means that the data of each year has changed a lot.
10:05Simply, when you apply it to the formula, there is a big difference.
10:09That's right.
10:11Then, is there no need to be swayed by the number of 20,000,000 yen issue?
10:16Yes, that's exactly what it is.
10:18The 20,000,000 yen issue of the retirement fund was such a price that made me feel anxious.
10:23However, I think it was a good opportunity to think about the money of the retirement fund.
10:32That's true.
10:33The 20,000,000 yen issue of the retirement fund was calculated by a family survey in 2017, 8 years ago.
10:43The family survey in 2023 was the latest.
10:47If you calculate it in the same way,
10:50the retirement fund requires about 14,000,000 yen.
10:57In other words, depending on the year, the amount of money will change,
11:02so you don't have to be swayed by the number of 20,000,000 yen.
11:07What do you want to do with your retirement?
11:09What do you want to prepare for?
11:11You need to think about the retirement fund.
11:16So, from now on, 30 professionals of money will answer.
11:22What do you want to do with your retirement?
11:24The 2025 retirement money special.
11:27Next is medical expenses that are surprisingly expensive.
11:32He was fine until a few days ago, but he suddenly fell ill.
11:40The risk of such a disease increases in the old age.
11:46In fact, about half of the medical expenses that take a lifetime are over 70 years old.
11:57There is such data.
11:59Many people in the city were worried about the medical expenses of the elderly.
12:04I think it's better to leave medical expenses.
12:08Hospitals and private hospitals cost money.
12:13If you don't have 20,000,000 yen...
12:15I'm worried.
12:18I wonder if the hospital will cost money.
12:23I wonder if the hospital will cost money.
12:29In addition, if you need care, you will have to pay for it.
12:35Now, let's ask the professionals of money.
12:39How much do you need to pay for medical expenses and care?
12:45This is the person who calculated it.
12:48Mr. Ogiwara, an economic journalist.
12:51How much do you need to pay for medical expenses and care?
12:59I need 15 million yen to pay for medical expenses and care.
13:08Mr. Ogiwara says that if you take good care of your family, you can live on pension.
13:18However, he says that 15 million yen should be prepared for medical expenses and care.
13:26I think the most worrisome thing for the elderly is medical expenses and care.
13:34The cost of care is about 50 million yen per person, so 10 million yen for two people.
13:39The cost of medical expenses and care is about 20 million yen for two people.
13:48The cost of medical expenses and care is about 12 million yen.
13:54The remaining 3 million yen is like a reserve.
13:57I need a grave, a funeral, and I want to go somewhere.
14:03If I take about 3 million yen, it will be 15 million yen in total.
14:09It's expensive.
14:11The cost of care is expensive.
14:13Next, what is the pension that Mr. Suzuki, a financial planner, calculated?
14:18The pension required from the age of 65 to 30 is 15.8 million yen.
14:2715.8 million yen.
14:2915.8 million yen.
14:31Of the 15.8 million yen, 5 million yen is the budget for medical expenses.
14:36What Mr. Suzuki paid attention to was the cost of medical expenses for people in their late 60s.
14:43The average is about 86,000 yen per year.
14:49If you subtract 86,000 yen by 30 years, it's about 2.5 million yen.
14:57I calculated it by adding 500 times 2.
15:01Let's ask the seniors how much medical expenses they actually pay.
15:07Medical expenses are expensive.
15:09Medical expenses are expensive?
15:11Are medical expenses expensive?
15:12If you go to the hospital, if you ask for a room or a private room, it will be about 500,000 yen in no time.
15:23Medical expenses are expensive.
15:26About three years ago, I did a body information, and it came out in my eyes.
15:32Yesterday, I went to a famous doctor, a gynecologist, and a pediatrician.
15:40If it's over 70, it's all over the place.
15:43It's all crap.
15:45Unlike in the past, now you can't just get medicine.
15:51I have to get it every month, but I have to go every time.
15:57In the end, it cost a lot of money.
16:00I didn't imagine it would be so expensive.
16:03It's better to invest in health from an early age.
16:06You can say that you should take care of yourself.
16:09Medical expenses are unexpected expenses that you don't know when they will cost.
16:13It's better to take it as a reserve or pool it as medical expenses.
16:17That's the kind of money it is.
16:21Professional money Shibuya-sensei will teach you how to help with pension funds.
16:28If you are confident in your health, you can postpone the start of your pension.
16:37In the first place, it is basic to receive pension from the age of 65.
16:42However, if you postpone it for a year, your annual pension will increase by 8.4%.
16:47If you postpone it for three years, it will increase by 25.2%.
16:52The longer you live, the more money you will receive in your lifetime than when you receive it from the age of 65.
17:01Oki-kun, let's say you receive your annual pension from the age of 68.
17:06How old do you think you will be when you receive your annual pension from the age of 65?
17:12How old will I be?
17:14If I postpone it for three years, I will be 65 or 68.
17:17If I postpone it for a year, I will be 69.
17:21No, no, no.
17:23How about you, Hayashi-kun?
17:29If I postpone it for a long time, I will be 80.
17:33You have a good sense.
17:37If I postpone it for 10 years, I will be 78.
17:39You have a good sense.
17:42I will be 79.
17:45I will be 79.
17:48This is a simulation video comparing the age of 65 and 68.
17:55The simulation has started.
17:58You will receive your annual pension from the age of 68.
18:06I will be 79.
18:11That's about it.
18:12That's about it.
18:14That's right.
18:17You will receive your annual pension from the age of 65 at the age of 79.
18:23In addition, if you can receive it until the age of 90, you will receive 4.6 million yen in annual pension.
18:33If you postpone the age of retirement, you will receive more annual pension.
18:38That's right.
18:40The average life expectancy of men is 81.09 years old.
18:45If you postpone the age of retirement until the age of 70, you will not be able to exceed the age of 65 unless you live until the age of 81.
18:55You will be able to exceed the age of 82.
18:58I think it's a subtle point to postpone the age of retirement until the age of 79.
19:05I think so, too.
19:07You have to be energetic.
19:09That's right.
19:1230 professionals of money answer.
19:15This is a special program for old people in 2025.
19:21Next.
19:23Did you have a deposit of 20 million yen before your retirement?
19:27No, I didn't.
19:31I think I only had about 500,000 to 600,000 yen.
19:36Is it okay to not have a deposit of 20 million yen?
19:41I said earlier that you don't have to be particular about the deposit of 20 million yen.
19:47When I talked to people in the city, there were a lot of people who said that they couldn't save 20 million yen.
19:58Did you have about 20 million yen?
20:01No, I didn't.
20:02I think I had about 100 to 200 million yen.
20:05I don't think there are many people like that.
20:08I'm not the first person to get a deposit of 20 million yen.
20:12Not everyone has a deposit of 20 million yen.
20:15I didn't save it.
20:17I didn't save it.
20:19I didn't save it at all.
20:21If you can save 20 million yen, you don't have the money to save it.
20:24You can save money by getting a job, right?
20:28You can save money by getting a job, right?
20:31You can't save 20 million yen.
20:33An expert who has invested an unbelievable amount of money in this problem.
20:39Takai, a former editor of the Japan Economic News,
20:43What is the necessary amount of money for you to think about?
20:47The necessary amount of money for me to think about is 0 yen.
20:51The necessary amount of money for me to think about is 0 yen.
20:54The necessary amount of money for me to think about is 0 yen.
20:56The money for me to think about should be enough for me to work after I get old.
21:02The premise of the problem is that he doesn't work.
21:09But he seems to think that it's okay to work after he gets old.
21:16In the late 60s, 60% of men work.
21:2440% of women work.
21:26About 75% of women work.
21:31Let's ask the seniors what kind of work they do.
21:37May I ask your age?
21:39I'm 72 years old.
21:4172 years old.
21:42How do you live after retirement?
21:47I have another job.
21:50I'm a repairman at a hotel.
21:52I repair houses.
21:54I paint houses.
21:56I change clothes.
21:58It's easy.
22:00My house is small.
22:02I go all the way from the north to the south to Ishigaki Island.
22:06I go on a business trip about half a year.
22:08He's energetic.
22:10He's busy.
22:12It's nice to live like that.
22:14I'm a pensioner.
22:16I have 1.5 billion yen.
22:19I'm going to work for the first time in my life.
22:24I'm 79 years old.
22:26I'm going to work part-time and live on my pension.
22:30I go to a school.
22:33I work four hours a week.
22:36It's about 50,000 to 60,000 yen.
22:39I don't add it up.
22:41It's my allowance.
22:43What do you do?
22:45I'm a driver.
22:47I don't use my pension.
22:49I just work.
22:51I think it's a fun job.
22:54I can go all over Japan for free.
22:58That's a good job.
23:00It's important.
23:02I'm saying it's okay because I'm zero.
23:05For example, when you're 60 years old, even if you're zero, you can save money from there.
23:10If you look at the average monthly income of people over the age of 60 who are working as a couple,
23:17In addition to taxes, household income is about 400,000 yen.
23:24The cost of living is about 310,000 yen.
23:29You can save about 90,000 yen a month.
23:34You can save about 1 million yen a year.
23:38If you start saving from the age of 60 and work until you're 70, for example,
23:43You can save more than 10 million yen by the time you're 70.
23:49Even if you save money after work, it's a time when you can save money after work.
23:53Even if you're zero, it's boring if you're healthy.
23:56If you're healthy, you can save money.
23:59If you're healthy, you can save money.
24:02Mr. Ueda here also said that if you live in pension and work after retirement, it's zero yen.
24:09It was an opinion that the emergency fee was 5 million yen.
24:13I'll repeat it again.
24:15The problem of 20 million yen in pension is that the husband is over 65 years old and the wife is over 60 years old.
24:19It's a number that assumes an unemployed couple.
24:22Certainly, the assumption was that the first asset would not work at all after retirement.
24:29Looking at the healthy 60s and 70s now, I think it was a slightly unrealistic assumption.
24:37I think we should correct that.
24:40Still, I don't think zero to 5 million yen will be a psychological pressure.
24:45I think so.
24:46Zero yen may be an extreme argument, but if you assume that working even if you're a senior is gradually becoming a standard,
24:55I don't think you need 20 million yen.
24:59So, I think that people who are working even in their old age are increasing their savings from there.
25:04I think it's going to increase more and more from now on.
25:08Now is the time when it is natural to work even if you are a senior.
25:13But how do you find a job?
25:18In fact, there is a popular system where you can easily find a job if you have a smartphone.
25:25It's 30 minutes. If you do it on time, you can get about 3,000 yen.
25:4030 professionals of money will answer.
25:432025 version.
25:46The money of old age special.
25:49The old-age system you need.
25:51This is zero yen.
25:52In fact, there is a popular system where you can easily find a job if you have a smartphone.
26:05It's Spotwork.
26:10Spotwork is a system where companies and stores calculate the time people want.
26:17If you find a job you can do and the time, select it.
26:22It's easy to match with the company.
26:25If you meet the conditions, you can get a job.
26:29You can work at any time.
26:33Now, not only young people, but also senior users are increasing.
26:38There are many jobs for seniors.
26:43For example, a healthy and popular job that can be done while taking a walk.
26:49Mr. Suzuki, who is 63 years old and likes to take a walk, searched for a job at Spotwork.
26:57I do mobile battery replenishment.
27:00I collect charged batteries and put them in this bag.
27:07Recently, there are more mobile batteries that can be rented at convenience stores.
27:14Mr. Suzuki will go to the spot where the mobile battery is short.
27:21It's a job to replenish.
27:24The place to replenish is confirmed by a smartphone.
27:28This is a very simple task, so I think it will be like going on a walk.
27:35It's good for your body.
27:38It's a walk.
27:43Put it in the bag.
27:47It's good for your body.
27:50After replenishing, just report the completion.
27:54It was completed.
27:56It was very easy.
28:00After this, he went to four spots while taking a walk and replenished a total of 20 mobile batteries.
28:08How much did he earn at this job?
28:11How much did he earn at this job?
28:14Approximately 1,000 yen.
28:17The main purpose is to take a walk or go to the city.
28:24I can get money in that.
28:27It's fun enough if it's not negative, but positive.
28:32In addition, Mr. Suzuki found another job at Spotwork that day.
28:38It's here.
28:40I'm sure.
28:42It's a Japanese house.
28:44What kind of job is it?
28:47This is a real estate management job.
28:50It's a job to make sure that there are all the items in front of the customer.
28:59It's a real estate related job that can be done even if you don't have a license.
29:05This job is easy for anyone to do, such as checking the operation of the air conditioner and the toilet.
29:13It's true that if an employee goes, it's a big loss.
29:17It's true.
29:19Check the drainage of the toilet.
29:25There is a work instruction on the mobile phone.
29:29There is a work instruction on the mobile phone.
29:32You just take a picture and paste it here.
29:36If you send this, it will be like a work report.
29:45This is also important.
29:47The working time is only 30 minutes.
29:51It's done.
29:53Very good.
29:55How much money did you make from this job?
29:571,500 yen per week.
30:00It's efficient.
30:0230 minutes is about 3,000 yen per hour.
30:06Is there any difficult job like spot work?
30:09No, there isn't.
30:11It's a job that anyone can do, even if you don't have that much skill.
30:16I think it's easy to participate.
30:19A new way of working that allows you to spend your free time at work is now attracting attention.
30:28I realized that technology has developed, so I can connect people in detail and connect them to business.
30:37If you get older, you will lack exercise.
30:41This leads to an increase in medical expenses, but there is also a double benefit that can be solved naturally.
30:46It looks fun.
30:48The company doesn't hire people one by one.
30:53I think everything is a good hybrid.
30:57It's amazing.
31:00By the way, some people are using a popular system where they can get what they want.
31:07How is it?
31:09It's okay.
31:11The woman is receiving a head spa.
31:14In fact, she is in the middle of a certain request.
31:20All she has to do is receive a head spa that she loves.
31:27At some point, she will be in relax mode.
31:33What was this woman doing?
31:37I've been doing this for about 9 years.
31:41Now, various companies are requesting surveys.
31:45If you register, anyone can start easily, regardless of age.
31:50Full-face survey.
31:53Use restaurants and beauty salons to attract general customers.
31:58Evaluate customer service and quality of products.
32:02Finally, answer the questionnaire.
32:04If you answer the questionnaire,
32:07The amount of money used as a reward will be reduced by points.
32:13In fact, the number of senior subscribers is also increasing.
32:18More than 60 people are increasing every year.
32:23There are many people who have a lot of life experience, so I'm glad that the client's company has such an opinion.
32:34By the way, what points did you get at the head spa?
32:39I'll get 3,000 points.
32:423,000 yen?
32:44This time, the return rate is 50%, so 3,000 points out of 6,000 yen have returned.
32:54Oh, that's good.
32:57Enjoy your favorite time while working.
33:00It may be a standard in the future.
33:0530 professionals of money will answer.
33:09Think about what you want to do.
33:12The 4th is the housing problem of old people.
33:19I'm 65 years old, and I'm finally done with my house loan.
33:26I thought I was waiting for a full-fledged old age life.
33:32But there was a pitfall.
33:38It's hard to edit at home, and the garden is tattered.
33:42The house is quite old.
33:44Especially because there are many gaps.
33:47It's been about 16 or 17 years since I moved in.
33:51All the neighbors are starting to rebuild the outer wall.
33:55When will you do it?
33:58I'm thinking about it.
34:01I'm thinking about it.
34:05Even if you say you have a house, when the house gets old, you may need to reform it.
34:14Let's ask the professionals of money.
34:17How much do you need to prepare for the housing problem of the future?
34:22The 4th is the housing problem of old people.
34:25All the outer walls have been rebuilt.
34:28It's over today.
34:30It's the end of the world.
34:36The 5th is the housing problem of old people.
34:3930 professionals of money will answer.
34:42How much do you need to prepare for the housing problem of the future?
34:48Professionals of money, Mr. Maeda and Mr. Hatama,
34:53The same answer is 5 million yen.
34:56I'm looking at about 2 million yen for replacing the outer wall.
35:00I'm looking at about 3 million yen for interior reform.
35:03I'm looking at a total of 5 million yen.
35:065 million yen for reforming the house.
35:09I think a lot of people pay off their house loan in about 30 years.
35:12I think a lot of people pay off their house loan in about 30 years.
35:15When I thought I finally didn't have to pay off my house loan,
35:18I thought I was waiting for a big reform.
35:22Professionals of money, Mr. Maeda and Mr. Hatama,
35:25They also answer that they should prepare for the reform of their house.
35:28But is the reform fee that expensive?
35:35What about people who actually repaired their house?
35:39I have to buy a washbasin, a bath, and a toilet.
35:46It costs at least 3 million yen.
35:49It's not fun at all.
35:52It's not because the bath is new.
35:55It's over today.
35:57It's over today.
35:59I'm going to repaint the outer wall.
36:02It's about 4.2 million yen.
36:05Actually, I'm just 65 years old.
36:08It's been a little over 30 years since I bought an apartment.
36:11The bath tiles are really dirty.
36:15The other day, the remote control broke.
36:18The water in the washbasin started to leak.
36:22I'm actually asking for a refund for the reform.
36:26It costs about 2 to 3 million yen.
36:29I'll get a refund next week.
36:31When I think about it, my chest is rumbling.
36:34This is the case of the house.
36:36What is the calculation for the rent?
36:39If the rent is 100,000 yen a month, it will be about 1.2 million yen a year.
36:44In 30 years, it will be more than 30 million yen.
36:52If the rent is 100,000 yen, it will be 36 million yen.
36:58Some people moved to cheap properties because they didn't need a big house.
37:04It's easier to live in a cheap apartment.
37:08I just had time to quit my job.
37:12I thought it wasn't enough, so I moved to a faraway place.
37:17How much did you pay for the rent last time?
37:20The rent was 90,000 yen.
37:22Last time?
37:24Now it's less than 30,000 yen.
37:27That's amazing.
37:29By the way, depending on the local government, there is a place to issue subsidies to immigrants.
37:35If you are interested, please check it out.
37:4030 professionals of money will answer.
37:43Think about what you want to do.
37:462025 Longo's money special.
37:49Here is the fifth question.
37:52I heard a dream that I want to realize for men and women aged 60 to 79 all over the country.
38:00The overwhelming number one is traveling.
38:05I want to go.
38:07I know. There are many places I want to go.
38:10What do you want to do in your future life?
38:13I want to live a luxurious life.
38:16I want to go on a trip and eat delicious food.
38:19That's about it.
38:21I want to travel around the world.
38:23My dream is to go to all the prefectures in Japan.
38:27How many prefectures are there now?
38:29I've been to about 5 out of 47.
38:33However, I wonder if he can go on a trip after retirement.
38:41What kind of country do you want to travel to?
38:45I want to go to Hawaii.
38:49How about you, Mr. Yamanishi?
38:52I like movies, so I want to go to places like Picasso and Gohko.
38:57I want to go to places like France and Spain.
39:01I want to go to places like France and Spain.
39:05He threw a pretty high ball.
39:08By the way, how much money do you think you could have spent on a trip with Longo's 20 million yen?
39:18It's about 25,000 yen a month to spend on a trip.
39:25If you save that amount for a year, it's 300,000 yen.
39:30You can go to Asia, such as Korea and Taiwan.
39:35It's difficult to go to Europe for a year.
39:40It's about two or three years.
39:43How much do you need to live with a margin?
39:47Professionals of money will give you the answer.
39:50Professionals of money
39:53How much do you need to live with a margin?
39:59Among the 30 professionals of money,
40:03there was a man who made a fortune by living with a margin.
40:09I need 15 million yen to live with a margin.
40:13However, if I want to live with a margin,
40:18I need 45 million yen.
40:21I want to go on a domestic hot spring trip once a month.
40:27Or I want to go on a trip abroad once every six months.
40:31It's like that.
40:33According to Mr. Sugai,
40:36a general pension is 15 million yen for a couple.
40:40For an old man with a margin,
40:43he needs to spend 80,000 yen per month
40:46and need about 30 million yen.
40:49I see.
40:51If he has 45 million yen,
40:54which is 30 million yen plus 15 million yen,
40:58he can live with a margin and go on a trip.
41:02Professionals of money, Mr. Tanikawa,
41:05offers 40 million yen.
41:08People often ask me
41:11which money I spend on weekdays and Saturdays.
41:16I say I spend money on Saturdays.
41:19If I don't work after work,
41:23I spend money on Saturdays every day.
41:26It's not surprising that I spend more money than usual.
41:30That's the first reason.
41:32The second reason is the inflation.
41:35For example,
41:37a 35-year-old man
41:40will need 1.7 to 1.8 times more money in 30 years.
41:45If you combine these two factors,
41:48he will need 40 million yen
41:51which is twice as much as a 20 million yen old man.
41:55Let's sum up the current situation of pension funds
41:58for professionals of money.
42:01The amount of money he needs in 30 years
42:04is about 14 million to 15 million yen for a married couple.
42:09If he can work healthily, the maximum amount is 0 yen.
42:13It's important to think about pension funds
42:16based on what you want to do.
42:18I realized that half of my income
42:21is spent on pensions.
42:24I was really disappointed.
42:26There are many things I have to think about.
42:28Depending on how you spend your money,
42:31the amount of money you need will change.
42:34It's good to think about your life plan
42:37while taking good care of your image.
42:40Anyway, it's important to stay healthy.
42:43If you stay healthy, you can do many things.
42:46I think it's important to stay healthy
42:49and take good care of your body.
42:52Today's guest, Mr. Yamanishi,
42:55is also on the show.
42:56Next Wednesday,
42:58the show will air at 9 p.m.