Half a century, Japan has changed dramatically.Early retirement to the younger generation tends to explore a lifestyle that is unique to the younger generation, but the trend of the new colona seems to have accelerated at once.But is it really realistic?Specifically, how much savings can be retired at the age of 40?

What is "Fire"?

As you can see at the beginning, "Fire" is an economic independence that realizes early retirement.However, unless the business starts and the business is on a trend, it should be quite difficult to spend a long life in the age of 100 years of life.

So why is early retirement attracting attention between young people?It is a major factor that I went to the company every day, sometimes went to drink with my colleagues, and did the same action as a painting, but the corona had to think about how to do it everyday.I think not.

At the same time, I feel that the "consumption" only lifestyle is getting stuck.There are not many creative elements in modern life.

Press the button to automatically fill the bathtub.When I was a child, I was boiling with firewood at first.You need to think a lot to boil well.

Both clothes and futons were handmade by my mother.Prolong the cotton (the cocoon is extended to a 30cm square) and covered the cotton in a futon -shaped cotton to reinforce it.The 30cm square is extended to the futon size, so it cannot be done alone, and the children are rushed out.A technique is also required to extend it, and it uses nerves to extend it evenly like a spider web.

There was all the creations in my life.Now I just buy it, there is no creation there.

Regardless of being aware, this life is getting stuck.2) Isn't the same factor in living in the area, camping, and staying in a car?It seems that there is "Fire" on the extension.

Therefore, after retirement, it is a creative life that seems to be my own, and it does not necessarily mean that I do not work.It is to break away from consumer life, which is incorporated into the rails, and regain yourself, but you must assume the money risk.It is important to be ready to complement it by retirement.

Life design before preparing prerequisites and funds

The required savings vary greatly in the family structure, the living area, the environment, the desired lifestyle, etc.If you get married and have children, your spouse will have to meet your spouse, and you will need to educate your child.Some think that parents will pay their children to the graduate school, while others can go on their own.

For that purpose, let's set the assumed conditions.It is assumed that even if you are married in the future, if you pursue your own lifestyle, even if you get married in the future, you will have a lower probability that your spouse will match that style.Therefore, even if you are married, it is better to assume that you will live in a separate account like a double life.Please refer to another report (how much different from education expenses, elementary schools to universities? "

Try the preliminary calculation

Income and expenditure are M.Let's assume income and expenditure as a sample to calculate the amount to be stored by retirement.

Salary and take -up until 40 years old

According to the National Tax Agency's "Private Salary Statistics Survey (for the first year of Origami)", the average salary of men in their 30s is about 5 million yen.The median is somewhat low, but if you want to be a retirement, you need to make an effort to increase your income, including preparing for entrepreneurship.If you subtract taxes and social insurance premiums, you will take about 4 million yen.

If the new graduation salary is about 200,000 yen per month, the average annual savings will be 1.6 million yen if the expenditure is as good as a new graduate.The table below sets the average annual storage amount in their 30s to approximately 1.6 million yen.

Living expenses up to 40 years old

Living expenses after retirement

Expectation of pension

Investment yield

Simulation of the amount to be prepared by the age of 40

It seems that the funds to be prepared in general are 25 times the annual expenditure.However, while various situations were different, I thought about how to use Excel to understand how to invest and the target amount.Because it is a simple calculation, there are some errors, but you can calculate the conditions by yourself.

The table calculates a 40 -year -old retirement and a 45 -year -old retirement case.Until retirement, we will reinvest the balance every year.After retirement, we will re -operate the rest while retaining the funds little by little.

In the case of retirement at the age of 40, the funds are depleted at the age of 56 when calculated according to the prerequisite.You must also consider the costs such as illness separately.It is necessary to take measures such as reducing living expenses, increasing income, improving yields, and slowing retirement.On the other hand, only five years of retirement time can make the income and expenditure astonishing.

If you have more than 40 million yen at the age of 65, you will be safe after retirement.This is because there is little difference between the amount of money pooled at the time of retirement and the amount that contributes to living expenses.In other words, if there is a fund to generate the same amount of operating profits as the amount contributed to living expenses, it will be safe.

You can also receive a pension from the age of 65.The table is created only until the age of 64, but if possible, try to make it after 65 years old.

Akiko Sato

A first -class architect, financial planner (CFP (R), first -class FP technician).He is engaged in design, product development, and real estate utilization at construction companies and housing manufacturers.In 2001, he opened a consultant office for living and living.He advises a living from both technical and economic sides.