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赤ん坊１人生まれたら 5000ドルから1万4500ドルかかる。
それも一生だぜ。
大学まで行かせるだったら4万ドルから10万ドルはゆうに要る。
アメリカ人だったら36％が楽勝で余生を送れるけど
今時は長生きになってるから老後に備えないとね。
2030年以降の寿命は100歳だって言うしね。
お金、続くかなぁ？
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400ドルの緊急出費に30％のアメリカ人は余裕が無いんだって。
ヲイヲイ
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2019年の国の調査では
平均アメリカ人所帯の平均貯蓄額は5300ドルだけど
年代によって大きく異なっていることが分かっている。
5300ドル？
ゼロ１個 どっか行ってない？
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高校出たばっかりの子達から35歳までの平均預金高：1万1200ドル
3か月〜６か月の生活費は確保しておきなさい
最低1000ドルは緊急出費用に手元に置いておきなさい。
Average savings for those 35 and younger
Americans under the age of 35 had an average savings account balance of $11,200, according to the Fed’s survey.
Because this is such a large age bracket that can skew from teenagers just graduating high school to recent college grads to young professionals well into a decade’s worth of work, it’s tough to nail down age-by-age where the average may be.
It is typically suggested to have three to six months of expenses in an emergency account. At the very least, aiming to have $1,000 handy in a savings account for unexpected expenses is recommended.
以下は拠出型企業年金の話：
Employer-sponsored retirement funds such as an IRA or a 401(k) may be good options for people who are ready to set long-term retirement savings goals.
Minimally, contributing the amount the company will match is a good way to ensure potential future savings, thanks to compound interest. For reference, the average 401k savings for someone between the ages of 20-29 in 2019 was $10,500.
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35歳から44歳までの平均は2万7900ドル。
失業に備えてちゃんと数か月分の資金は確保しておきなさい。
そして投資を考える年代でもある。
Average savings by age: 35 to 44
The 2019 Federal Reserve Survey of Consumer Finances found that Americans between the ages of 35 and 44 had an average savings account balance of $27,900. Those in this age bracket are now well into adulthood. At this stage of life, it’s prudent to save up that three-to six-month savings account, to cover the cost of everything from an accident to a lost job.
Now may also be the time to think about diversifying a financial portfolio and possibly investing in the stock market or in real estate.
年金の話：
Again, for reference on where a person may want to be at for retirement savings goals, the average 401k savings for someone between the ages of 30 and 39 in 2019 was $38,400.
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45歳〜54歳の平均貯金額：4万8200ドル
67歳で退職したかったら50歳で年収の６倍は確保しておけ。
40歳代に9万3400ドル個人年金が貯まっているといいね。
Average savings by age: 45 to 54
People between the ages of 45 and 54 had an average savings account balance of $48,200, according to the Fed’s 2019 survey.
At this point, common financial advice dictates that a 50-year-old should have at least six times their annual salary if their intention is to retire at 67.
個人年金の話：
And, by the age of 40 to 49, a person may want to hit the average retirement savings, which sits at $93,400.
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55歳〜64歳の平均貯金額：5万7800ドル
Average savings by age: 55 to 64
The 2019 Fed survey found that Americans between the ages of 55 and 64 had an average savings account balance of $57,800.
As this is the time when most Americans are staring down retirement in a few years it’s typically a good idea to kick up savings, specifically retirement savings, into high gear.
個人年金の話：50代には16万ドル溜まってる？
59歳6か月以前に引き出すと税金がガッポリとられるぜ。
That’s because while younger people are capped at contributing $19,500 a year to a 401(k) account, those over the age of 50 are allowed to contribute an additional $6,500.This is known as a catch-up contribution.
The average retirement savings account for a person between the ages of 50 and 59 in 2019 was $160,000. It’s important to note that taking out cash before the age of 59 and a half could mean tax penalties.
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65歳以上74歳までの平均貯蓄額は６万400ドル。
ところが！
75歳以上になると貯蓄額は5万5600ドルに減少している。
だから退職前の60歳代に個人年金額は $182,100を目指しておけ、と。
そこでアドバイスとして、生命保険を考えろ、と。
Average savings by age: 65 and Older
This is when savings really peaks for the average American. The 2019 Federal Reserve Survey of Consumer Finances found that Americans between the ages of 65 and 74 had an average savings account balance of $60,400.
However, that savings number does drop over time. According to the survey, Americans above the age of 75 had an average savings account balance of $55,600.
This drop illustrates the importance of creating a retirement budget and sticking to it in an effort to have enough savings for as long as needed.
But, before retirement, try to hit the average retirement savings number of 2019 for those aged 60 to 69, which was $182,100.
Once you reach retirement age, you may be thinking about your life insurance options.
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https://www.thebalance.com/how-much-is-the-average-social-security-check-4774723
2021年度の国民年金の最高額は月3895ドルで
これは22歳から払い出して70歳まで待った額。
For 2021, the SSA expects to pay a maximum benefit of $3,895 per month to retirees who delayed their benefits until age 70 and who earned maximum taxable earnings since age 22.
わたしは最低しか働いてないので70歳まで待っても生活保護よりずっと少額。
恥
生活保護 欲しいよぉ〜
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タイミング良く日本の情報がありました：
https://www.news-postseven.com/archives/20210712_1675192.html?DETAIL
※週刊ポスト2021年7月16・23日号
以下コピペ
全文はURLへ
5月に発表された2020年の総務省「家計調査」によれば、世帯主の年齢が40歳未満の世帯（2人以上世帯、以下同）では、平均貯蓄額が708万円、同負債額は1244万円なのに対し、60〜69歳だと平均貯蓄額が2384万円（同負債額242万円）となる。70歳以上の世帯ではさらに増えて平均貯蓄額2259万円（同負債額86万円）だ。
あくまで平均値であり、40歳未満に住宅ローンを組んだばかりの年代が含まれているために負債額が多いという面はあるが、高齢の世代のほうが家計に余裕があるという一面を浮き彫りにしたデータと言える。
親世代の平均貯蓄が多いとはいえ、これから収入を増やす手段は限られており、貯金を取り崩していく生活になる以上、先行きの不安は大きい。
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