Here is the result of the 2021 survey.
| Average | Median | Zero savings household | |
| ２０'s | 1.13 million yen | 80,000 yen | ４３％ |
| ３０'s | 3.27 million yen | 700,000 yen | ３１％ |
| ４０'s | 6.66 million yen | 400,000 yen | ３６％ |
| ５０'s | 9.24 million yen | 300,000 yen | ４１％ |
※Savings = financial asset holdings (including stocks, bonds, etc.)
Firstly, the median value is less than 1 million yen for all generations.
In response to the question "What do you think about life in old age?"
More than 80% of all generations answered that they were worried about their old age.(after 60)
Most of the causes were "insufficient savings".
Nowadays, people are crying out that they will run out of 20 million yen in old age.
Will we be able to live with money in the future or will I be forced to live without money?
It is decided from an early stage with the consciousness of saving money.
Next action
Most people are worried about their old age, so I feel that it is necessary to get into the habit of starting savings right away.
- Be aware of the average, not the median
- Saving money gives you more room in your heart
Life really doesn't know what will happen.
If you have savings, your life will be quite good for the time being.
Then, you will feel more comfortable and will be conscious of taking on the challenge of what you want to do.
Keep a household account book
Here are some recommended apps.
You no longer have to stare at the receipt like you used to.
It has become a convenient.
By tagging it with a credit card, it will calculate it fully automatically.
In my case, I use Excel to manage and view it in a way that is easy for me to do.
In order to raise money literacy, this kind of steadily accumulating ability is important.
Regards,
hiro
