In the past two days, I have re-watched the documentary "Old Bankruptcy", and I still have deep feelings. The three families introduced in the film used to be the mainstay of society and have been working hard for life, but they have been living so hard in their old age. 
The first protagonist of the documentary, Masasa Aoyama, 68 years old. When I was young, I started a business, I had savings, I had a house, because I had to take care of my mother with Alzheimer's disease, plus my monthly daily expenses, nursing expenses, medicine and insurance, even if I had a pension, I couldn't last long. The second protagonist is Yoshiharu and his wife Keiko, both 67 years old, and their pensions and salaries add up to 370,000 yen per month (equivalent to 1.).90,000 RMB). After the unexpected death of his daughter-in-law three years ago, the 36-year-old eldest son brought his two grandsons to gnaw at the old age. And the eldest son has no job, and the old man has to bear all the expenses of the child in addition to their daily expenses. Keiko's mother had a serious heart attack and had to go to a day care center, which added another amount of medical and nursing expenses.
In addition, there is a mortgage that has not been paid off. Spending each month far exceeds income. The third protagonist, Kawaguchi, is 69 years old, an elderly man who lives alone, and has a pension of 140,000 yen (equivalent to 7,000 yuan) every month. His biggest problem is that he has no savings, and his pension can cover his daily expenses, but he was recently diagnosed with high blood pressure and needs to take medicine. The shortfall in medical costs needs to be filled by another way. Hekou, who is almost 70 years old, can only work as a driver. The documentary is not long, but you can see some of your own shadows more or less. It's hard to judge what life will be like later and what the economic situation will be, but if you want to live a decent life after retirement, it's always right to prepare as early as possible. Thinking about it, I still realized it too late, 40+ middle-aged, and I started to act. If you have the ability, you can start earlier, and the sooner you prepare, the sooner you can achieve your goals. Let's talk about the preparations I'm doing so far. 1. Insist on buying social securitySocial security plays a very important role in daily life, and it is a necessary and basic guarantee. Since the first job after graduation, I have always insisted on paying and never paying. Now, as a flexible employee, I pay more than 1,000 per month, and I can receive a pension every month when I retire. No matter how much you receive, it is also one income**, and two incomes together with your teammates can at least cover basic daily expenses and reduce the burden on your children. 2. Create more passive income
Income is divided into active income (labor income) vs. passive income. There are many passive income models, which are roughly divided into: money to make money, such as interest generated by bank deposits, dividends generated by high-quality ** long-term holding, income generated by medium and low risk**, etc.; The most common type of housing money is the rent generated by self-owned residences, office buildings, shops, parking spaces, etc.; Shops (enterprises) make money, various forms of entrepreneurship; Money, such as idle items**; Knowledge monetization, such as knowledge payment, book copyright, etc.; self-monetization of traffic, etc. What my family can now call passive income is only bank interest and a part of the income from wealth management products. Today, we will start to invest in the index ** small test, and invest in the CSI 300. In addition, there is a parking space at home, which has been reported to the property management office, hoping to rent it out as soon as possible. The official account has been insisting on updating these days, and the income is also improving little by little, although it is very inconspicuous, but it does give me the motivation to make money. 3. Save more money and accumulate principal
Compulsory savings every month, no matter how much money you have in the balance, you must save money, like a rich man, and raise a big fat goose. I started the 12 CD program last year, one cycle has been completed, and the second cycle started in January this year. At first, I was a little unaccustomed to it, but now it is getting better and better, and it is very addictive. 4. Develop new skillsLearn a skill that can be realized, whether it's a stay-at-home mom like me, or a parent at work, with skills and side hustles in hand. When the income of the side business exceeds the salary of the main business, there is no fear of any mid-life crisis. There are also a lot of skills that can be realized, such as live broadcasting, writing, short**, being a blogger, and drawing. As long as it is something you are interested in and good at, you must stick to it for a long time, and it will not take too long to monetize. I have a lot of thoughts today, but the most important thing is that I need to practice and persevere, and I hope to realize the freedom of life as soon as possible. (*on the Internet).