貯金は本当に必要?

おひとり様のお金事情

こんにちは!おひとり様暮らし満喫中のSAWAです。

老後の2,000万円発言以降、世の中に漠然と「老後はかなりお金が必要らしい」と浸透しましたよね。
年金が減るから2,000万じゃ到底足りない!なんて言う人もいて、今年の新入社員に「初任給どうするの?」と聞いたら「財形か積み立てを始めようと思います」という返事が返ってました!
びっくりです!
私たちが新人のころは、いかに欲しいものを買うかしか考えてなかったですから…(笑)

今が老後のリスクを考えるとき
こんにちは!おひとり様暮らし満喫中のSAWAです。コロナ問題はどんどん大きくなってきていますね。日経平均は続落です。私は、バブル崩壊もリーマンショックも知りません。知らないは語弊がありますね。(汗)そのときに、株などには手を出していなかっ...

 

私も毎月、日経ウーマンの愛読者です。
マネーセミナーにも行ったりもします。
でも、本当にこんなに先のことばかり考えるの幸せなのかな!?と疑問に思うことも多々あります。
心の中の悪魔が囁くんですよ。

死んだらお金持っていけないよ

私に子供でもいたら別なのかもしれません。
子供たちに少しでも残しておきたいと思うのかもしれないし。
(いや…子供は子供で生きろ!と思うかも。(笑))
だけど、私は一人です。
このままいけば、両親のほうが先にいなくなります。
そうなったとき、自分で生きていくために必要なのが老後の軍資金なんですが…
そのために、今必死に貯める必要あるのかな?と思うんですよね。

うちの会社の最高齢の社員は85歳です。
現役バリバリで8時半から17時まで働いています。
後期高齢者なので社会保険もなければ雇用保険もありません。
天引きされるのは所得税と住民税です。
それ以外は私たち社員とは全く同じようにお給料をもらっています。
そんな人をたくさん見ていると、老後っていつのことなんだろう?と思っちゃうんですよね。

65歳で現役引退して遊んで暮らしたい!

なんて明確なビジョンがあれば別ですが、そうそううまくいかなくないですか?
そんな先のこと誰にも予想できません。
もしかしたら、日本で石油が採掘されて油田の国になってるかも!
そしたら社会保障完璧で貯めてなくったってウハウハかもしれませんよね~(笑)
そう考えたら、漠然とした未来を不安だと貯金ばっかりするのって私には向いてないです。
いろんなことを我慢するのに疑問が…。

全く貯めないなんてことはないですけど、切り詰めて貯金のためだけに働く!ってのはできそうもありません。
毎月、自動で投資信託などへ振り替わっているのが48,000円です。
そのうち10,000円は定年後に毎年海外旅行へ行く費用です。
実質貯めてるのって38,000円。
20年貯めたとして900万程度です。
2,000万を考えると全然足りませんよね…。
でも、これくらいが今の私の程よく使う人生に合っていると思うんですが。
どうなんでしょう?
なにが正解か分からないまま老後を迎えそうです。
世の中の普通の一人暮らしOLってこんなもんじゃないのかなぁ???

にほんブログ村 その他生活ブログ マネー(お金)へ
にほんブログ村

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