44-year-old temporary employee, savings 40 million yen. I’m worried about my health problems.

I am worried whether this fund will be enough even if a health problem comes out in the future.
The name “Money Plan Clinic” is also called “Money Plan Clinic”, which answers the concerns of household son of all. This time, the person who consulted is a single woman who wants to continue working in the dispatch. Keiko Hatui, a household consultant, advises.

◇Inquirer
Mr. Natmi (pseudonym)
Female/Temporary Employee/ 44 years old
Saitama/ Owned and Apartment

◇Family structure
Single, living alone

◇Details of consultation
I have a national qualification and work as a temporary worker. It is a job which exists very much if it does not have the selection preference. Because there is a certain amount of room, it is ideal for temporary employees who are more flexible, such as taking a day off, rather than full-time employees who receive bonuses. I think that it is enough because there is no other party to leave even if it works and it saves it.

I spend money only on traveling twice a year. My parents are no longer here, and I am prepared to live alone, but I am a little worried about my future health.

Now, i’m able to live in good health without incident, but when health problems come out eventually, is this money enough? And became worried.

I have only medical insurance and have a lifetime contract. Is it all right to live like this?

◇Household income data
Mr. Netumi’s household income data is shown in the chart.

◇Supplementary household income data
(1) Work
My hope is that I want to work by the age of 60, but if i have a situation where my life doesn’t work, I’m going to do my best until I’m 65. However, wages may go down.

(2) Mortgage
The loan has already paid off.

(3) Property Taxes
78,000 yen

(4) Breakdown of insurance
・Person/medical insurance insurance , lifetime insurance, hospitalization, surgery, surgery, monthly insurance premiums, monthly insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance, insurance

(5) Welfare pension
He is currently enrolled in the welfare pension of a temp agency. So far, he has joined the club for a total of 16 years.

(6) Balance of payments
The occasional big expenditure is traveling abroad once or twice a year. There are also trips that cost about a million yen when there are many. Still, on average, you can save a million yen a year.

◇Advice from Keiko Yatsui, a household consultant
Advice 1: Calculate retirement funds for 60-year-old retirees
Advice 2: It’s also important to cover medical expenses with cash on hand
Advice 3: The need for medical insurance is not high

◆Advice 1: Calculate the retirement funds for 60-year-old retirees
First, let’s consider cash flow from future revenue forecasts. As a premise, you will retire at the age of 60 as you wish, and until then, the same salary level will continue.

The monthly household expenses are ¥1,000,000. If only this is it, 170,000 yen can be turned into savings every month. However, since there are no bonuses, irregular expenses such as property taxes, hobby travel expenses, and ceremonial expenses will result in monthly savings.

Even if you subtract them, you can save one million yen a year as a result, so you can save 16 million yen in 16 years up to the age of 60. If you add to your savings, your retirement savings will be about 56 million yen.

From the age of 60 to 65, you will be income-free and will be able to take down your savings. If the same standard of living as now and the real living expenses continue to be around 165,000 yen a month, 9.9 million yen will be held over five years. At the age of 65, the savings will be reduced to 46 million yen, and it will be the retirement funds for the rest of the year.

The question is whether this is enough, but of course, life is not something to be said because you don’t know what will happen, but i think it’s the amount of money you can afford from The Cost of Living.

◆Advice 2: Medical expenses can be covered with cash on hand
I don’t know how much of the old age pension That Mr. Mitsumi receives, but I will continue to subscribe to the welfare pension. If the cost of living in old age is 95,000 yen a month, it is possible to live within the scope of the public pension even if the payment of the tax and the social insurance premium is added to it.

Even if you record 1 million yen per year as a so-called irregular expenditure other than your monthly living expenses, if you live to 90 years old, you will receive 25 million yen in 25 years. Still, it becomes the calculation that 21 million yen remains. It’s a medical expense for you, but you already have a lot of money, so you can prepare yourself with your savings.

One of the things that could be considered a big expenditure in the future is a large-scale repair of your apartment. In some cases, residents may have to bear the cost of repairs.

When you are actually near lying around the age of 60, it is a good idea to consider the amount of financial assets and the situation at that time to determine the age of retirement.

◆Advice 3: The need for medical insurance is not high
It will also be mentioned in the medical insurance that is enrolled.

The time of the enrollment is unknown, but even if it is this year, the payment period is 46 years as if it were to live to be 90 years old. The insurance premium is 4,000 yen a month, so you will pay a total of 2.2 million yen. In other words, because the hospitalization benefit is 10,000 yen a day, even if the operation is twice, it will not be able to take the original if you do not hospitalize for a total of 180 days.

Here’s how you think about it. If you think that you can cover your medical expenses with your savings, you don’t have to join.

However, there are times when you can feel secure by insured. If so, you can continue, or you can reduce the hospital stay to 5,000 yen, and reduce the insurance cost.

In terms of working, the previous estimate was to completely retire at the age of 60, but it is a work with national qualifications, and there is naturally an option to continue working after the age of 60. Then, the capital room will be born further.

There is also the advantage of working with society. As with now, you don’t have to work full-time, so it may be a plus for You to belong to society with a sense of distance that suits you. We still have plenty of time, so you should think slowly.

At any rate, there is no unreasonable, smart household management. At the same time, I feel that i am enjoying my life fully, such as traveling. If you believe in your way of life and your way of thinking, and you live in the future, there will be no problem.

◆Comments from the consultant “Mr. Santomi”
I was worried about the future because I was the only one I could rely on, but I was very relieved to receive my advice.

My daily life is very simple, so I didn’t really think about saving money by working hard, but if I can make it cheaper, I’ll consider reviewing the conditions for medical insurance that I have enrolled in in case of emergency.

The only luxury is one or two trips a year, so I want to enjoy it to the extent that it doesn’t interfere with my life. Once again, thank you very much.

What i taught me was… Keiko Hatui

A household consultant. After graduating from university, he received a large credit union. He is an independent financial planner with a focus on personal consultation and is active in television, newspapers, and magazines because he wants to be in a position where he can truly be encouraged to do something good for his customers. He also serves as a guide to All About Money.

Interview/ Sentence/ Kyotake Shimizu

There’s a sentence, editor.