Re: [討論] 退休後的生活開銷與你估計的差多少?
老巴
關於通膨說了一些話
2022
Berkshire Hathaway annual shareholders meeting
“The best thing you can do is to be exceptionally good at something,”
“Whatever abilities you have can’t be taken away from you. They can’t actua
lly be inflated away from you,”
“The best investment by far is anything that develops yourself, and it’s no
t taxed at all.”
看完那會議後
我就把家電全部檢查一次自己看YT 全部檢修一遍了
因為我很閒
然後目前聯盟戰棋穩定爬升中
因為我很會玩game(誤)
然後最近省錢也因為很閒
自己學會洗車打蠟和自己學會自助加油...
也蠻好玩的
※ 引述《buji ()》之銘言:
: 不知道別人如何,但我這一年下來,發現開銷比預期多出不少。不幸的是投資收入方面不
: 不如預期,還出現不少虧損。
: 這開銷多出來的部份,醫療保健是其中一塊,除了治療檢查也有保健,包括參加運動,按
: 都算。
: 另一塊是休閒活動。退休不就是想做自己有興趣的事? 無論是參與,學習,添購裝備,都
: 讓你額外消耗不少銀兩。
: 此外還有更多時間社交或出遊,無論是現在的國旅,或邊境解封後的出國,都會更快的侵
: 掉你的積蓄。總之就是,收入比退休前少,支出比退休前多。尤其醫學發達壽命延長,至
: 得估計自己能活到90歲,真的沒有樂觀的本錢。
: 退休後要靠投資與年金產生的現金流來支應生活開銷。只要能打平,通常都能睡得不錯。
: 也是為什麼許多退休族買定存股或債券領息生活的原因。如果一直得拿本金來消耗,難保
: 心不慌啊! 況且退休後若每日還要在股海奮戰搏鬥才能維持生計,那與工作有何兩樣?
: 規劃的退休生活期間越長,面對不可知的風險越大。比方說,少子化的未來世界,是否得
: 出更多才能得到相同的生活品質? 還是無可避免的必須承擔品質下降的遭遇? 如所以我覺
: 除非你條件特殊,還是別年紀輕輕的就退休。工作/事業其實也能帶來很大的成就感,又?
: 讓你不必操心生計,也可能有益於你的健康。
: 無論如何,對退休的開銷估算還有投資收入預期,別太樂觀為好。
:
--
要嘛投資賺更多,要嗎想辦法在不影響生活品質的情況
省更多
DIY也是一種好投資
真的 趕快打到大師也是一種投資
我沒買過汽車,機車賣了,腳踏車丟了...-.-
我打到大師可以在這邊開台YT嗎
中年YT台 有人開?
大叔級網紅其實也有,館長 呱吉啥不年輕了,外國人更多
吳淡如
DIY很讚
28
我打算明年辭職,大概要放棄退休金 人命在呼吸之間,下一刻是死是活,天知道... 我是醫生隱晦暗示隨時可能會暴斃的那批人,一個心血管主動脈堵塞程度超過90% 很多事就不必想太多,當然還有其他身體上的問題 投資部位這兩年嚴重帳面虧損,現金配息比目前的薪水多些4
: FB有一個社團: 嫻人的好日子 可以參考看看,就您的推文來說,12
首Po不知道別人如何,但我這一年下來,發現開銷比預期多出不少。不幸的是投資收入方面不但 不如預期,還出現不少虧損。 這開銷多出來的部份,醫療保健是其中一塊,除了治療檢查也有保健,包括參加運動,按摩 都算。 另一塊是休閒活動。退休不就是想做自己有興趣的事? 無論是參與,學習,添購裝備,都能
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