Full transcript of “[목돈연구소] 인생 선배, 퇴직한 직장인들이 후회하는 일은 무엇일까? 후회 없는 인생을 위한 길라잡이 I 지식편의점 230702(일)”. Click a timestamp to open the video at that moment. Need another video? Use the YouTube transcript generator.
0:00 After 75, it is actually difficult for you to make money. It is called the second act of life, and people who appear on TV and say that if they work hard in their 90s, they can work now, but I do not trust such cases very much because they are huge outliers. It is very exceptional. In terms of probability, there are some exceptionally outstanding outliers, and if we generalize those outliers, they can have a huge decision-making risk. So I am grateful that they lead such admirable lives until they are 90 and give me this advice, but it does not mean that I can work until I am 90 just because I do what they do. [Music] The secret to financial management is [Music] A
0:52 knowledge convenience store filled with money-making knowledge. I will be with Lee Sang-kwon, Managing Director of Mirae Asset Investment and Pension Center. Hello, nice to meet you. It started to rain, so I think it has been a week when everyone has a lot on their minds. Managing Director, when it rains, you can't go outside, so you spend more time at home, and it seems that office workers worry about what to do after they retire. The only thing they worry about is transportation, but that is not it. Baseball one by one today [Music]
1:45 [Laughs] There was a time when I was there, but today, I'm going to talk about what retired workers regret the most. On one hand, it's interesting, but on the other hand, it's a little scary. I do n't want to regret after I retire, but what do they regret? I'm going to think about regret with you all first. Daniel Pink, a futurist, even wrote a book about regret. I really like him. I've tried everything like him, but I couldn't read the regret that came out this time, and I only read the interview. Why do people now think that regret is not
2:31 just a negative function, but also a hidden function. People who regret reflect and pursue a better life? So I think we should take time to think about what we need to prepare for now through what retired people regret. Because humans have a psychological bias to discount and discount the future and to premium the present. If I were to talk about it in a grand way, anthropologists say that our Hovers Sapiens first appeared in the African savannah about 350,000 years ago, and all the things we're experiencing now, like investments, regular loans,
3:18 houses, etc. Civilization is a period of time that is barely a dot in history. So humans, perhaps, are currently dominating us. We drive cars, invest in stocks, use financial companies, use smartphones, watch TV, and live this life itself. It is not that we have more DNA left, but that the DNA of primitive people in those primitive times dominates us more. Of course, the most important thing in the lives of primitive people was that there was no tomorrow. They had to decide whether I would die or die. That is why survival today was important. So humans
4:03 evolved in the direction of survival and reproduction. Survival and reproduction are not issues of correct values, but rather directions. In the same way, why do we regret the lives of people who came before us in the future? Let's modify the current premium elements that we are paying. Since I had these concerns, I am likely to have these concerns too. Since we only look ahead and live, I want to talk with you about what people who retired before us and those who are currently retired are thinking about and reflecting on us and what we should prepare for here and now. The dictionary definition of the word regret When I looked up the meaning, it probably means that when you realize your past mistakes and repent, you will
4:52 improve your behavior. What do retirees regret the most? I think it is that they did not prepare enough for the future or did not build a sufficient material foundation. The survey was conducted by our center on 400 people. So 400 people is not a large population. However, I think they will have similar concerns. Of course, as you said, it is overwhelmingly high. Out of 400 people, 150 of them said they had financial problems. 37.5% said they had financial problems. Almost 40% said they would pay 4 out of 10. My biggest regret is that I did not manage my finances. The second is money. I
5:40 thought my family would come in second or third, but surprisingly, my family was lower in the ranking. My job was second. Money was first. The second was first. The third was not my family, but my health. But I think that maybe 10 or 20 years ago, if they had conducted a survey like that, would n't it have been a little different? My family It seems to be quite far ahead, but now family is not bad. Family is 5th. So it is lower than the ones who did not prepare for hobby filtering and leisure activities. So looking at this, I can see that we can do focus groups with relatives and do
6:26 in-depth interviews. Since we did not have such work, it costs a lot of money. But since we did not have it, I guess that now people who are in control are more like the younger generation than Daniel's family in the past. In a way, I thought that the lives of the retired people themselves are changing to a life where they think that if I live well, my family will also be good. Oh, that seems to be true. Even if I put my family first, it seems that group life as a family unit will not be as easy as it used to be. I
7:11 like that, but I do n't think someone with the same rank as me will see it. I'm not that old either, but he used to think that traveling with his father and mother in the future would be the way to live happily with his retired parents, but he changed his mind. They fight whenever they go on a trip. So he says that it's happier not to go on a trip with his family. So, or else, we go separately. I will take my father and go separately. It may be a bit inconvenient, but it may be a happier life for my mother to go separately. So, this is the first time in a long time that we have lived in a group. So,
7:59 we have been living separately, and now that we have time, we will start living in a group from today. This may not be easy. We do it according to our circumstances. Then, it will be important for us to optimize according to our circumstances at that time. If I want to get the lowest price at that time, I need financial capacity. If I realize this after retirement, it will be too late. Let's think about financial management together. What do you regret the most in relation to financial management? I asked questions divided into pension and pension external sources, and the answer to pension is overwhelming. 174 minutes. So, out of 400 people, I regret
8:49 not paying more attention to various pension products, such as pension savings, pension insurance, and pension funds. And the second regret is not finding a way to receive more national pension. So, more than half of them regret not properly understanding pension-related products and investing and managing the national pension. And there is another thing. Surprisingly, I It's surprising, but this is something I've heard a lot. In the past, when I was attending a lot of my lectures, there were people who didn't use their retirement pensions and received interim settlements instead of using them in the middle. There are a lot of unavoidable aspects to it. However, even though it wasn't necessary, the worst people who invested in stocks
9:37 were those who invested in stocks in the middle. I don't recommend it. In the past, people who paid off loans or things like that can understand it a little bit. But roughly speaking, it seems like they used it because they needed it, but in the case of retirement pensions or retirement pensions, in fact, later
11:18 [music], so in preparation for that, there are things like cancer insurance that have a long coverage period that you can receive until you're 90 or 100 years old. These days, even in cases like that, there was a
12:07 55 million won cancer treatment at a certain university with a particle therapy machine. You can receive it if you have good cancer insurance. Yes, in the future, take good care of your health so you don't get sick, and make sure you have insurance with coverage. [music] It's fun even on the second time. I should have reduced my spending in advance. So, a little What I mean by saving is that rather than living a life where you spend money to express your identity, you need to think about a way of life where you can express your identity while spending a little less money. Because if you focus too much on saving, you get depressed.
12:53 There are times when you think, “I have to live like this.” So now, people who are on a diet, they eat whatever they want one day a week and have fun. I think that both Seop and I need that element. There are people who are naturally very happy to save money. Really. [Music] But people who don’t, if you do that too much, you get depressed, so it’s very important to combine elements like diet cheat days in your life and do what you couldn’t do. It’s veryimportant to organize your combs and match them. If you eat this at the time of retirement, it’s very difficult to make a financial plan. You usually end up paying off debt with the money you have. You
13:39 know what I mean. So that’s why I try to talk about textbook-like things before retirement. Of course, there are people who say, “ I don’t want something, so I’m not paying it off.” There are people who can’t help it, but I have a little chance of that. If you have it and try hard, it is possible to get out of debt before retirement. As we can see from the regrets of retirees, it is a way to manage your finances a little more comfortably. So, one of the reasons why you have to be very careful about interim settlements is because as we live, there are times when someone in our family gets into big trouble, or someone has to help someone while doing business, and things like that. But really, as a means of settling the last of the housing mortgage loan, settling retirement pay is really counted twice,
14:28 and if possible, it is better not to meet family. Investors should be careful. Yes, but I did not say that because it was bad. My senior said so too. Yes, it is heartbreaking advice from seniors who have experienced regret first, so we will listen to it. But you said that your biggest regret was money problems and the second was not being able to make a job plan in advance. But from what I hear, money problems and job problems are ultimately the same thing. Now, a job problem is a money problem plus a problem of your own identity. A person 's
15:13 self-esteem, thinking that they are living a meaningful life. A job problem is very closely related to self-esteem. There are already many studies on this. There are things like this, even if we don't mention them, and in reality, no matter how much of an executive they were, when I retired, they were like neighborhood uncles. When I was at the company, I used a company car, and when I went somewhere, even to a restaurant, employees would sit down and stand up as soon as I went. These days, that kind of thing has disappeared, but that's exactly what the managing director is. I don't really have that kind of thing. If you ask where the scissors are, there will be about 20 scissors here and there. I used to be that kind of person, but in the past, that's gone now. And realistically, that's also related to money issues, because retirement means my
15:59 cash flow is cut off, so if you look at it enough, the first thing is to start a side job that I can continue to work on after retirement. I'll always have a concept in advance, but the thing to do in advance is the same. I'll take the test in advance, but life is something that you can't do in advance. But in terms of that, the second is to get a certificate or degree that I can use my retirement pay for. The third is to prepare for re-employment and starting a business a little early, even if you're busy with work. So the third is all the key, whether it's a certificate, a side job, or a job. The fourth one was quite interesting.
16:47 It's about meeting people from various fields outside the company and building a network. We don't have this in our country, but in the past, there was a religion that was popular in Japan called the 200 million religion. It's much more helpful to meet people in different industries and interact with them. That's because when you interact with people in your own industry, it's all the same. It's all the same, and my friends only know as much as I know. So, I realized that it's important to prepare for retirement by finding people in fields that interest me, such as hobbies or clubs, or people in those fields. After listening to this, I thought, " Oh, there's one thing I'm good at." I've
17:35 decided a long time ago what I'm going to do when I get older. I'm going to get a job at a daycare center. I'm going to prepare for it. There's a part-time job where I read to people for an hourly wage. I wonder if the director will raise it more if I do it. I just quietly go to work and come back to the children in my neighborhood, and I also help out as a helper. Let's try that. There are a lot of women who do that kind of work. We also have a lot of them. [Music]
18:24 I'm thinking about doing a part-time job where I go with my pretty white bob cut and greet people politely. Okay, and of course I'm worried about the health aspect of the job. If you want to work, health is the top four, of course it's the top four. I think you should exercise regularly and build up your stamina. I feel that stamina is different in your 40s, early 50s, and mid-50s. I think this cycle is getting shorter. People say that the early and mid-60s are different in your 60s. Second, don't overdo it at work and try to manage your stress. Third, it's fun.
19:10 Third, it's realistic that taking care of your teeth will be difficult. There was a survey in Japan. They asked people who are retiring in Japan about their health, and what would be the number one answer? I have teeth. Taking care of your teeth is very important for your quality of life in old age. So since you have health insurance, you should go and get scaling done once a year. So now you have that dental clinic at your company. Whether it's nearby or in front of your house, if you register for a dental checkup, I think the nurse will call you. So, if you see the Japanese case and how dental care is much more important in old age, you may think that
20:00 Korea also has a lot of underground care. As expected, scaling is covered by health insurance, right? It has been done once a year for several years now. Even if you understand that you scale for treatment purposes, you should know that I am not a dental ambassador. 4th place is also interesting. You must have been concerned about your appearance, such as wrinkles, pivots, skin, and hair loss. You must have been concerned about your appearance as much as your teeth. Lastly, what I'm most curious about is our Executive Director Lee Sang-kwon, who seems to be good at preparing for retirement. What does Executive Director Lee Sang-gun care about the most? There are no three things that I care about the most. I
20:47 don't even use lotion at all and I don't like it at all. I just save money and live diligently until I die, and when it comes to work, I'm the type of person who does it when it comes. So, when I try to work hard, what is harder for me than this is my mind. So I'm like this, the muscle of the mind, but just like the muscle of exercise, like this. Even if a situation or difficulty arises that I did not anticipate, if I am less swayed by it, and now that I am young, I am not swayed much. I am not swayed by ideology, social conflict, or people. Rather, in my old age, I may have a somewhat boring life, but my
21:34 mind is a bit more calm and prepare for something similar to the expression "lata rak market," which is the biggest homework for me in preparing for old age. Yes, today, I heard about the real experiences of our seniors who really became victims and were killed. So far, I have been with the knowledge convenience store Future Investment and the Pension Center's Executive Director Lee Sang-kwon. Thank you. Yes, thank you. [Music]
