10年以内に退職するために取るべき「5つの行動」

退職の10年前は肝心な時期です。この10年を適切に過ごしてください。
30数年間働いて、一生懸命貯金をして、やっと退職の兆しが見えてくるというのが現代人の人生のお決まりのパターンになっています。しかし、退職という沿岸が見えてきても、退職への準備ができていない場合がおおいのではないでしょうか。
職場から離れる前の10年間は、離れた後の人生が円滑に運ぶように準備をする必要があります。是非これからご紹介する五つの方法を使って退職後の準備をしてみましょう。


十分な貯金があるかどうかを確認する
貯金をしていないのなら、まず今自分がどこにいて、将来自分はどこにいるのかを考えてみてください。総収入の75%で退職後を過ごしたいのなら、現在の収入の12倍の貯金が必要です。しかし、貯金が足りなくて、それでも巻き返しをしたいのなら、それなりの方法もあります。例えば、極度に節約節電節水を行ったり、少しでも長く残業して家の光熱費を減らしたりといった工夫が考えられるでしょう。例えば、平均年収五年分の貯金があるとしましょう。これからの10年間は毎年給与の33％を貯金に追加してください。


配偶者との退職時期をずらす
共働きの夫婦の場合、5組に1組は同じ年に退職します。そして3割は退職時期に2年の差があります。しかし、短期間のずれでお互いが退職するのは、最善の選択ではないようです。夫婦のうちの一人が数年長く働き続けるのなら、もう一人は退職しても貯金からの支出は少なくなりますよね。

では、続きはまた次回に！

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