Money is one of the elements that facilitates semi-retirement life.Money is an absolute necessity for semi-retirement.There is a view that it is not a problem if there is enough cash flow even if there is no money, Because it is a concept that salaried workers semi-retire in this blog, it does not fall under this idea because sufficient cash flow will be lost if you quit the salaried worker.
Semi-retirement requires 50 million funds at the age of 45
The more money you have to live a semi-retirement life, the better.However, it is easy to imagine that it is an amount that most salaried workers will not be able to reach when it comes to 100 million even if it says the reality problem.
Even co-workers and parents will not tell you how much money you have.But don’t you think no one has 100 million people looking around you?There are a lot of people around them who have 100 million, and those who are well off are more likely to be rich.
The absolute number of wealthy people in this world is small, so most people die without getting 100 million dollars.
Don’t you think there’s a possibility of tens of millions of money of 100 million yen?
See also https://ifaonline.jp/money/1451
We believe that tens of millions of salaried workers’ income, profits from investments, and incomes from side jobs, are the amounts that anyone can achieve.
Of course, there are various ways to achieve this, but if you can continue to be a salaried worker for 20-30 years, it is considered to be an amount that anyone can reach.
I don’t know how much to base on when semi-retirement is in the vague one of tens of millions, but I feel that semi-retirement with 30 million is a little uneasy.If it becomes about 70 million, it is a frank impression that this amount can not be reached a little though it can afford considerably.
Then, even salaried workers can reach the last minute, and I think that the amount of money that is less trouble even if semi-retired is 50 million.
If 50 million is operated at 5%, annual profit is 2 million (after tax)
In an age when the Internet was not as pervasive as it is today, even if there were people living semi-retirement, there was no glimpse of one side of their lives.Now there is a medium called blogging, and it has grown to the time when the category of “semi-retirement” can be created.
Even though they are growing, there are still very few in reality.I hope that the way of life of semi-retirement will become mainstream in the future, but I do not think that it will be such a trend while I am alive no matter how fast the trend of the times.
Even if you have 50 million assets, if your living expenses are as high as stupid, you’ll lose them in no time.If the cost of living is low, it is better to be low, but there is no point in semi-retirement if you stick to lowering it and can’t do what you wanted to do.
I said there was a semi-retirement category a while ago, but in the blog I’ve seen, it was only those that settled on the cost of living of about 1 to 2.5 million.It’s safe to assume that there’s nothing more than 2.5 million.
Some people who are aiming for semi-retirement in the future may think that they need more living expenses, but please stop and think about it.The low cost of living inevitably increases the speed at which money accumulates, so the time to semi-retire can be brought forward.
When you think about it this way, I think that it is better to lower the cost of living to the extent that it is not stress-free.
If 50 million is operated at an annual interest rate of 5%, the annual profit will be 2 million (after tax), so if the cost of living is 2.5 million, the remaining 500,000 will be earned by labor.If you say 500,000 a year, it’s about 40,000 a month, so it’s not so crazy, is it?If possible, it will be a safe semi-retirement life if it continues until about 45 to 60 years old (15 years).
Let’s simulate money as many times as you want before semi-retirement
Let’s do the simulation many times in advance so that it does not become insufficient money after semi-retirement.Let’s use the “escape calculator” that people who aim for semi-retirement will not know.
Runaway Calculator http://fukuoka.jpn.org/befree/index.cgi
Current age: 45
Current savings: 50 million yen
Annual interest: 5.0%
Annual expenditure to start pension payment: 2.2 million yen
Annual expenditure after the start of pension benefits: 2.5 million yen
Age at which pensions start: 70 years old
Monthly pension: 100,000 yen
Annual inflation: 0.0%
Inflation linkage of the annual amount received: Not
Pension benefits are calculated at the age of 70.Now I can receive it from the age of 65, but i think that it will shift back in the future.
The “annual expenditure spree amount to the start of pension payments” and “annual expenditure after the start of pension benefits” are calculated as follows.
45-70 years (25 years) Total expenditure 2.5 million x 25 years
45-70 years (25 years) Total income 500,000 x 15 years: 7.5 million (45-60 years old labor revenue)
45-70 years (25 years) balance (6250-750) – 25 – 2.2 million
The amount of pension benefits is 1.2 million per year.
How is it? It became a simulation with considerable margin.Even if the annual interest rate is 3%, it will be one of the guidelines because it can live to 87 years old.
Even if you have 50 million assets, you won’t be able to put them into full operation, so you need to keep the simulation that suits you many times.
I’ve done this simulation many times, and the most effective thing was to lower the cost of living.If you can make 2.5 million living expenses to 2.4 million, you can reduce the cost of living by 2.5 million in 25 years, although it is 100,000 per year.
For a low-cost life, the biggest factor in the cost of living is whether to rent or purchase a house!?
Money is essential for semi-retirement, so it is a shortcut to keep in mind a low-cost, fuel-efficient life.