We couldn't afford the 20 million yen retirement fund.

In fact, we have five expenses we need to pay before retirement arrives.

Partial repayment of our children's student loans, our youngest child's graduate school tuition, our 13-year-old car, our mortgage, and bathroom and toilet renovations.

I've written them all down on paper.

And the thing I'm most conflicted about right now is the mortgage.

Should I use our savings to pay it off, or keep it for retirement?

I still haven't decided. I'd love to hear your opinions.


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■ Table of Contents

0:00 20 million yen for retirement? That's impossible for us.
0:21 I started using the calculator, and my hands stopped.
1:07 ① Scholarships for my two children
1:47 ② Tuition and living expenses for my youngest child's graduate school
2:28 ③ A car I've had for 13 years
3:02 ④ Mortgage interest rates are rising
3:42 ⑤ Bathroom and toilet renovations
4:39 All five are things we need before retirement arrives.
5:08 Comments from viewers: "No matter how much retirement money we have, we're still worried."
6:26 From someone with the opposite viewpoint to mine.
7:38 I can't decide whether to pay off or keep my mortgage.
8:56 I can't do it all. So I prioritized.
10:10 Honestly, it's tough (Kotchan appears)
10:41 So, I'm changing my work style starting this fall.
11:11 I have two questions for you all.

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■ Continuation of this story (I'd appreciate it if you watched them in order)

① A 50-something part-timer working 3 days a week, struggling with work style (the beginning)
【50代週3日パート】気持ちより先に、体がブレーキをかけてくる｜働き方に悩んでいます

② The first company wouldn't even meet with me... A record from application to hiring
【ご報告】仕事が決まりました｜50代の転職、1社目は会ってすらもらえなかった話

③ 4.6 million yen in insurance premiums I'd left untouched for 18 years... I canceled two insurance policies
【18年放置】保険料460万円…電卓を叩いて固まりました｜50代夫婦、保険を2つ解約

④ I think I can earn money for another 10 years (I'm going to stop being a dependent).
【50代の本音】稼げるのは、あと10年だと思っています｜扶養をやめて働くことにしました

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■ Questions I'd like to ask everyone

・If it were you, would you pay off your mortgage in a lump sum? Or would you keep some?

・How much money are you aiming for in retirement funds?

・Do you have anything you need to pay before retirement? We had five.

I would be really happy if you could tell me in the comments.

When I'm calculating all this by myself, I start to feel like I'm the only one who's failing.

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*All the money talk in this video is about my own family.

I'm not a financial expert with qualifications, so I can't recommend anything.

Please consult a financial institution or expert regarding mortgages and insurance.

#50s #retirementfunds #mortgage #scholarship #50shousewife #chattyendoflife #endoflifeplanning #around50