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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.
05:23If you look at the amount you spend as a person in his 60s only, it's 336,000 yen.
05:29As a person in his early 70s, it's 313,000 yen.
05:31As a person in his late 70s, it's 276,000 yen.
05:34As a person in his 80s, it's 254,000 yen.
05:37As a person over the age of 85, it's 255,000 yen.
05:40With this in mind, the more you get older, the less money you spend.
05:43That's not enough to recoup your old-age spending.
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 increase again.
09:28It will increase 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?
09:41In 2020, the deficit will be 55,000,000 yen.
09:44This is a shocking figure.
09:46Is this true?
09:47Yes, it is true.
09:48This is because he is forced to go snowboarding.
09:51He can't go on a trip.
09:52He can't meet people.
09:53Then he can't buy clothes.
09:55As a result, the deficit has been greatly improved.
10:01It means that the data of each year has changed a lot.
10:06If you simply apply it to the formula, the difference will be huge.
10:10That's right.
10:12So there is no need to be swayed by the number of 20,000,000 yen problem?
10:17That's right.
10:18The 20,000,000 yen problem in the second half of the century was such a price that worried people.
10:23However, I think it's a good idea to think about the money of the old man.
10:32That's right.
10:33The 20,000,000 yen problem in the second half of the century is estimated by a family survey in 2017, 8 years from now.
10:43The family survey in 2023 is the latest.
10:47If you estimate in the same way,
10:50it means that about 14 million yen is the necessary pension.
10:57In other words, depending on the year, the amount of money will change,
11:02so you don't have to worry about the number of 20,000,000 yen.
11:07What do you want to do with your old age?
11:09What do you want to prepare for?
11:11You need to think about the old age pension.
11:16So, from now on, 30 professionals of money will answer.
11:22What do you want to do with your old age?
11:24The old age money special in 2025.
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, there is data that about half of the medical expenses that take a lifetime are over 70 years old.
11:57Is there such data?
11:58Yes, there is such data.
12:01There were many people in the city who were worried about the medical expenses of the elderly.
12:06I think that the medical expenses are more important because we have to leave them,
12:11but the hospital is also a private room, and the facilities that cost money are also like that,
12:17so I'm really worried that I don't have about 20 million yen.
12:21I wonder if it will cost money to go to the hospital, but what about the reality?
12:28In addition, if you need care, it will cost you care, right?
12:35So, let's ask the professionals of money.
12:38How much do you need for medical expenses and care for the elderly?
12:45This is the person who calculated it.
12:48Mr. Ogiwara, an economic journalist,
12:51How much do you need for medical expenses and care for the elderly for a couple of people for 30 years?
12:59The need for medical expenses and care for the elderly from the age of 65 to 30 is 15 million yen.
13:08Mr. Ogiwara says that if you manage your household well, you can live on pension alone.
13:18However, he says that 15 million yen should be prepared for medical expenses and care.
13:26I think that the most worrisome thing for the elderly is medical expenses and care.
13:34The cost of care is about 5 million yen per person, so 10 million yen for two people.
13:40The cost of medical expenses is about 2 million yen for two people.
13:48So, the cost of care and medical expenses are about 12 million yen.
13:54The remaining 3 million yen is like a reserve.
13:57If you need a grave, a funeral, or if you want to go somewhere to play,
14:04If you take about 3 million yen, it will be 15 million yen in total.
14:09The cost of care is so expensive.
14:12Next, Mr. Suzuki, a financial planner. What is the need for medical expenses and care for the elderly?
14:18The need for medical expenses and care for the elderly from the age of 65 to 30 is 15.8 million yen.
14:2715.8 million yen.
14:30Of those, 5 million yen is the cost of medical expenses and care.
14:35What Mr. Suzuki noticed was the cost of medical expenses for people in their late 60s.
14:42The average is about 86,000 yen per year.
14:48Then, if you subtract 86,000 yen by 30 years, it's about 2.5 million yen.
14:56I calculated it by adding 500 times 2.
14:59I calculated it by adding 500 times 2.5 million yen.
15:02Let's ask the seniors how much medical expenses they actually pay.
15:08I pay medical expenses.
15:10Do you pay medical expenses?
15:12Is the medical expense expensive?
15:14When I go to the hospital, if I ask for a room or something, it will be about 500,000 yen in no time.
15:23Is it that expensive?
15:25The room fee is expensive.
15:26About three years ago, I did a physical therapy and it was done in the middle of my eyes.
15:32Yesterday, I went to see a doctor, a gynecologist, and a pediatrician.
15:40If you are over 70 years old, you can go everywhere.
15:43Everyone is a piece of junk.
15:45Unlike in the past, you can't just get medicine now.
15:50I have to go to the hospital every month, but I have to go every time.
15:56In the end, medical expenses are expensive.
15:59I see.
16:01It's an unimaginable investment.
16:03You can say that it is better to invest in health and self-care from an early age.
16:09Medical expenses are unexpected expenses that you don't know when they will cost.
16:13It is better to take it as a reserve or pool it as a medical expense.
16:17This is the kind of money it is.
16:19I see.
16:21Professor Shibuya, a professional in money, will teach you how to save money on pensions.
16:29If you are confident in your health, delay the start of your pension.
16:37In the first place, it is basic to receive pension from the age of 65.
16:41However, if you delay it for one year, your annual pension will increase by 8.4%.
16:48If you delay it for three years, your annual pension will increase by 25.2%.
16:54The longer you live, the more money you will receive in your lifetime than when you receive it from the age of 65.
17:02Mr. Oki, let's say you receive your pension from the age of 68.
17:05How old do you think you will be when you receive your pension from the age of 65?
17:12How old do I think I will be?
17:14If I delay it for three years, I will be 65 or 68.
17:18I'm not sure, but I think I will be 69.
17:21No, no, no.
17:23It won't increase in one year.
17:25How about you, Mr. Hayashi and Mr. Izawa?
17:27Mr. Izawa is good.
17:29I think I will be about 80 years old.
17:33You have a good sense.
17:35I was told that I was going to say that.
17:3778 years after 10 years.
17:39You have a good sense.
17:4179 years old.
17:4379 years old.
17:45Please be 79 years old.
17:47I understand.
17:49Please watch the simulation video comparing 65-year-old and 68-year-old pension.
17:54It's not 19 years old.
17:56The simulation has started.
17:58You will receive it from the age of 68.
18:00It's still going.
18:02I'm sleepy.
18:04I'm sleepy.
18:06I'm 79 years old.
18:08I'm 79 years old.
18:10No, no, no.
18:12I was told that I was going to say that.
18:14I was told that I was going to say that.
18:16I see.
18:18When you are 79 years old, you will receive it from the age of 65.
18:24In addition, if you can receive it until you are 90 years old, you will receive about 4.6 million yen.
18:30The amount of pension will increase.
18:33If you delay the age of pension, the amount of pension will increase.
18:38That's right.
18:40The average life expectancy of men is 81.09 years old.
18:44If you delay the age of pension until you are 70, you will receive it from the age of 65.
18:48If you delay the age of pension until you are 81, you will receive it from the age of 62.
18:58I think it's a subtle point to delay the age of pension until you are 79.
19:07You have to be energetic.
19:09That's right.
19:1130 professionals of money will answer.
19:15This is a special program on the age of pension in 2025.
19:21Next.
19:23Did you have a pension of 20 million yen until you were retired?
19:27No, I didn't.
19:31I think I only had about 500,000 to 600,000 yen.
19:36Is it okay without pension?
19:41I said earlier that you don't have to be particular about pension of 20 million yen.
19:47When I talked to people in the city, many of them said that they couldn't save the 20 million yen.
19:58Did you have a pension of 20 million yen?
20:01No, I didn't.
20:03I may have 100 or 200.
20:05I don't think there are many people like that.
20:08I'm not the first person to get a pension.
20:12Not everyone has a pension.
20:15I didn't save it.
20:18Not at all.
20:20If you save 20 million yen, you don't have the money to save it.
20:24If you don't have a job, you can save it.
20:29You don't have to save it.
20:31You can't save 20 million yen.
20:33There is an expert who has spent an incredible amount of pension money on this problem.
20:39He is a former editor of the Japanese Economic Newspaper.
20:43What kind of pension does Takai, an economic columnist, think is necessary?
20:47The pension I think is 0 yen.
20:55You should have enough pension money to work.
21:00You should have enough pension money to work.
21:02The premise of the 20 million yen pension problem is that you don't have a job.
21:10But he thinks it's okay to work even after retirement.
21:17In the latter half of the 60s, 60% of men worked.
21:2440% of women.
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.
21:43How do you live after retirement?
21:47I have another job.
21:49I'm repairing the hotel's walls.
21:52I'm repairing the hotel's walls.
21:56I'm repairing the hotel's walls.
22:01I'm going to Ishigaki Island from Kitahama.
22:06I'm going to Ishigaki Island from Kitahama.
22:09You're busy.
22:11I envy you.
22:14I'm taking a pension.
22:16I'm taking a pension.
22:19Do you work two days a week?
22:21Yes.
22:24I'm 79 years old.
22:26I'm 79 years old.
22:28I live on my pension.
22:30I live on my pension.
22:32I live on my pension.
22:34I work four hours a week.
22:36It's about 50,000 to 60,000 yen.
22:39I don't have to add that.
22:41It's my allowance.
22:43What do you do?
22:45I'm a driver.
22:46I'm a driver.
22:48I'm doing this job so I don't have to pay a pension.
22:52I'm doing this job so I don't have to pay a pension.
22:55I'm doing this job so I don't have to pay a pension.
22:58It's a job.
23:00What's important is that I'm saying I'm okay because I'm zero.
23:05Even if I'm 60 years old and I'm zero, I should save money from there.
23:09Let's take a look at the average monthly savings of people over the age of 60 who are married.
23:17In addition to taxes, household income is about 400,000 yen.
23:24The cost of living is about 310,000 yen.
23:28In other words, it's about 90,000 yen per month.
23:34You can save about 1 million yen a year.
23:36You can save money.
23:38If you start saving money at the age of 60, you can work until you're 70.
23:42For 10 years.
23:44You can save more than 10 million yen at the age of 70.
23:48Even if you save money for your work, you can save money for your work.
23:52Even if you save money for your work, you can save money for your work.
23:57In that sense, it's the same as zero.
23:59If you're healthy, you're healthy.
24:02This is Mr. Ueda.
24:04If 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 the number of unemployed couples over the age of 65 and over the age of 60.
24:23Certainly, the first assumption was that the pension would not work at all.
24:29Looking at the current healthy 60s and 70s, I think it was a slightly unrealistic assumption.
24:37I think we should correct that.
24:40But I don't think zero to 5 million yen is a psychological pressure.
24:45I think so.
24:47Zero yen may be an extreme argument, but if you assume that working as a senior is gradually becoming a standard,
24:53I don't think you need 20 million yen.
24:58I think that's what's going to happen.
25:00That's why people who are working as seniors are increasing their savings from there.
25:04I think it's going to increase more and more.
25:08Now is the time when it is natural to work as a senior.
25:13But how do you find a job?
25:18In fact, there is a popular system that allows you to find a job easily if you have a smartphone.
25:29It's 30 minutes, so if you do it on time, you'll get about 3,000 yen.
25:33Wow!
25:4030 professionals of money will answer.
25:43Year 2025.
25:45A special program on the money of old age.
25:49This is zero yen.
25:52Even if you save money for old age, it's time to save money for old age.
25:57In fact, there is a popular system that allows you to find a job easily if you have a smartphone.
26:04That's Spotwork.
26:10Spotwork is a company or store that calculates the hours people want.
26:16If you find a job that you can do and the time, select it.
26:20If you select it, you can easily match with the company.
26:25You can get a job if you meet the conditions.
26:29If you can work at your convenience at your favorite time, not only young people, but also senior users are increasing.
26:37There are many jobs for seniors.
26:42For 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 work.
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.
27:14What Mr. Suzuki will do from now on is to go to the spot where the mobile battery is missing and replenish it.
27:23The destination of replenishment is confirmed by smartphone.
27:28This is a very simple task, so I think it will be like going on a walk.
27:34It's good for your body.
27:37It's a complete walk.
27:40Excuse me.
27:43Put it in the bag.
27:47It's easier than I thought.
27:50After replenishing, just report the completion.
27:54Completed.
27:56It was very easy.
28:00After this, go to four spots while taking a walk and replenish a total of 20 mobile batteries.
28:08How much did you earn at this job?
28:11Approximately 1,000 yen.
28:14It's quite a lot.
28:16The main purpose is to take a walk or go to the city.
28:22You can get money in that.
28:25It's fun enough if it's not negative, but positive.
28:29It's a lot of fun.
28:31In addition, Mr. Suzuki found another job at Spotwork that day.
28:36Here it is.
28:38Here it is.
28:41It's a Japanese house.
28:44What kind of job is it?
28:47This is a real estate management job.
28:51It's a job to make sure that everything is in place before handing it over to the customer.
28:58It'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.
29:14If an employee said this, it would be a big loss.
29:18That's right.
29:20Check the drainage of the toilet.
29:26There is a work instruction on the mobile phone.
29:31You 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.
29:50It's done.
29:53What money did you make from this job?
29:57This is it.
29:581500 yen per week.
30:00It's efficient, isn't it?
30:02It's 30 minutes, so it costs about 3,000 yen per hour.
30:06Is Spotwork a difficult job?
30:09No, it's not.
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 in this job.
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 much that it 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.
30:43There is also a double benefit that it can be solved naturally.
30:47It was fun.
30:49The company doesn't hire people one by one.
30:53I think everything is good.
30:56It's a hybrid.
30:58That's right.
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.
31:15In fact, she is in the middle of a request.
31:21All she has to do is receive her favorite head spa.
31:28At some point, she will be in relax mode.
31:34What was this woman doing?
31:38I've been doing face-to-face surveys for about 9 years.
31:43Now, various companies are requesting surveys.
31:47Face-to-face surveys that anyone, regardless of age, can easily start by registering.
31:54Use restaurants and beauty salons to attract general customers.
31:59Evaluate customer service and quality of products.
32:03Finally, answer the survey.
32:06As a reward, the amount of money used will be reduced by points.
32:12In fact, the number of senior subscribers is also increasing.
32:17People in their 60s are also increasing every year.
32:21There are many people who have a lot of life experience and have a lot of eyes to see.
32:27I'm glad that I got this kind of opinion from the clients.
32:34By the way, what points did you get at the head spa?
32:38I'll get 3,000 points.
32:413,000 yen?
32:43It's delicious.
32:45This request has a 50% reduction rate, so 3,000 points out of 6,000 yen have been returned.
32:54This is good.
32:56Enjoy your favorite time while working.
32:59It may be a future standard.
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.
33:20I'm 65 years old, and I'm finally done with my house loan.
33:27I thought I was waiting for a full-fledged life as an old man.
33:34There is a pitfall.
33:36What is it?
33:38It's hard to renovate my house.
33:42The house is very old.
33:45Especially because there are many gaps.
33:48It's been about 16 or 17 years since I moved in.
33:51All the people in the neighborhood are starting to rebuild the outer wall.
33:56When will you do it?
33:59I'm going to remove the outer wall.
34:02I'm thinking about it.
34:05Even if it's a house, when the house gets old, it may be necessary to reform it.
34:14Let's ask professionals of money.
34:17How much do you need to prepare for the housing problem of old people?
34:24I'm going to rebuild the outer wall.
34:30I want to change the world.
34:35How much do you need to prepare for the housing problem of old people?
34:39Let's ask professionals of money.
34:42How much do you need to prepare for the housing problem of old people?
34:49Let's ask professionals of money.
34:535 million yen.
34:57I'm looking at 2 million yen to replace the outer wall.
34:59I'm looking at 3 million yen for interior reform.
35:03I'm looking at a total of 5 million yen.
35:06I'm looking at a total of 5 million yen for interior reform.
35:09I think a lot of people pay off their house loan in about 30 years.
35:14After the loan is over, I think it's a reality that a big reform is waiting for me when I think that I can't spend money anymore.
35:22Let's ask professionals of money.
35:25How much do you need to prepare for the housing problem of old people?
35:29But is the reform fee so expensive for old people?
35:35Who actually repaired the house?
35:39I had to buy a washbasin, a bath, and a toilet.
35:46It costs at least 3 million yen.
35:49It's not interesting.
35:51It's not because the bath is new.
35:54It's just over today.
35:56It's over today.
35:58Repainting the outer wall.
36:014.2 million yen.
36:044.2 million yen.
36:06Actually, I'm just 65 years old.
36:09It's been a little over 30 years since I bought an apartment.
36:12The bath tiles are really dirty.
36:15The other day, the remote control broke.
36:18The water in the washbasin started to leak.
36:21Actually, I'm asking for a refund of the reform fee.
36:26It may cost about 2 to 3 million yen.
36:29I'll get a refund next week.
36:31Thinking about it, my heart is pounding.
36:34This is the case of the house.
36:36What is the calculation for the rent?
36:38If the rent is 100,000 yen a month, it will be about 1.2 million yen a year.
36:43In 30 years, it will be more than 30 million yen.
36:49I see.
36:51If the rent is 100,000 yen, it will be 3.6 million yen.
36:58She doesn't need a big house in the future, so she moved to a cheap property.
37:04I live in a residential apartment.
37:07That's why it's easy.
37:09I just had time to quit my job.
37:13I thought it wasn't enough to calculate.
37:16I moved far away.
37:17How much did you live 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 are places that give subsidies to immigrants.
37:35If you are interested, please check it out.
37:4030 professionals of money answer.
37:43What do you want to do in 2025?
37:49Here is the fifth question.
37:52What do you want to achieve for men and women aged 60 to 79 in Japan?
38:01The overwhelming number one is traveling.
38:06I want to go.
38:08I know. There are many places I want to go.
38:10What do you want to do in your pension life?
38:13I want to live a luxurious life.
38:16I want to go on a trip and eat delicious food.
38:20I want to travel the world.
38:23I want 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 his pension life.
38:41What kind of country do you want to travel to?
38:45I want to go to Hawaii.
38:50How about you, Mr. Yamanishi?
38:52I like movies.
38:54I want to see Picasso and Goff.
38:57I want to see the real thing.
38:58I want to go to France or Spain.
39:02I want to go to all the countries in the world.
39:05He threw a very high ball.
39:09By the way, how much money do you think you can spend on traveling?
39:18It is about 25,000 yen per month to spend on traveling.
39:24If you save that amount for a year, it will be 300,000 yen.
39:30You can go to Asia, such as Korea and Taiwan.
39:35However, it is difficult to go to Europe for a year.
39:40It will take about two or three years.
39:43How much money do you need to live with a margin?
39:47Professionals of money will answer.
39:50Professionals of money
39:53How much money do you need to live with a margin?
39:59Among the professionals of money,
40:02there was a person who made a fortune by living with a margin.
40:08I need 15 million yen to live with a margin.
40:13However, if I want to live with a margin, I need 45 million yen.
40:23I want to go on a domestic hot spring trip once a month.
40:28Or I want to go on a trip abroad once every six months.
40:33According to Mr. Sugai,
40:36a general pension is 15 million yen for a couple.
40:41For a rich old man, he needs to spend 80,000 yen per month,
40:46which is about 30 million yen.
40:49Even so, it's only 30 years.
40:52In other words, if he has 45 million yen,
40:55which is 30 million yen plus 15 million yen,
40:58he can live a leisurely life that can go on a trip.
41:03Professionals of money, Mr. Tanikawa, offers 40 million yen.
41:08On weekdays and Saturdays,
41:11people often ask me which money I use the most.
41:16I answer that I use 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 the cost of spending money is higher than usual.
41:30That's the first reason.
41:32The second reason is the inflation.
41:36For example, if you are 35 years old now,
41:39your income will be 1.7 to 1.8 times higher than 30 years later.
41:46If you combine these two factors,
41:49you will need about 40 million yen,
41:52which is about twice as much as a 20 million yen problem.
41:56Let's sum up the old-age fund for 30 professionals.
42:01If you calculate the amount of money you need in 30 years,
42:06it's about 14 million to 15 million yen for a couple.
42:10If you can work healthily, the ultimate is 0 yen.
42:12It's important to think about the old-age fund
42:15based on what you want to do.
42:18I realized that half of my life is spent on the old-age fund.
42:24I was overwhelmed.
42:26There are a lot of things I have to think about.
42:30Depending on how you spend your time,
42:33the amount of money you need will change.
42:36I think it's good to think about it
42:39while taking good care of your life plan.
42:42Anyway, health is important.
42:45If you are healthy, you can do a lot of things.
42:48I think it's important to take good care of your health.
42:54Today's guest, Mr. Yamanishi, is also here.
42:58This program is broadcast at 9 p.m. every Wednesday.