晚年经济独立 Being Financial Independent during the Golden Age

新洲日报 大霹雳 2019年5月18日 第15页

老实说，我从来都不相信养儿防老。因此，我的信念是不要给孩子们增添烦恼，我们俩老自个儿照顾好自己就好了。我们的规划是供养孩子们到经济独立或至多25岁。至此之后，在钱财方面，我们不会烦他们，也希望他们也别烦我们。

也许大家会觉得我好像不尽人情。其实，只要我们俩老不因为金钱而麻烦他们，好让他们能更好的管理好自个儿的家庭已是给他们最好的礼物了。若到了自立的年龄还指望俩老供养，是不是太过分了？我们俩老还要享受下来的日子。若他们有孝心，应该不要因金钱过来烦我们俩老。所谓谈钱伤感情。只要他们日子过得好，也就是给我们最好的报答了。

要做到晚年经济独立，年轻时的规划是绝对不能少的。我的规划是从我25岁时开始的。我是边规划边学习。重点是要有一个精确的最终目标。下来要做的就是画出路线图前往目的地。此图就是所谓的计划书。画出图后，还必须实践，不要只是纸上谈兵。 跟着路线图走的时候需不时检讨路线是否实际并适时调整以确保在指定的时间内到达终点。这就是整套的财务规划。说难不难，说容易也不见得。最难得地方在于自律。许多人就败在这里。当你不能自律的跟随方案进行的话，还谈什么成果。下来就是不愿意学习。财务管理和投资都需要学习。学习过程中难免会有错误。这时以其灰心，不如自我检讨，从错误中学习才是前往成功的不二法门。

那你们开始了你们晚年经济独立计划了吗？

This Chinese article is talking about being financial independent during the golden age. For some parents, they believe that their kids will take care of them when they are old. As a matter of fact, their kids will face other life difficulties as well.

To me, I never expect my children will take care of us. My belief is that we, as parents, will provide them financial support until the age of 25 at most. By then, we will not ask for financial support from them as we hope that they could put more effort on settling down their family. If they success, this will be the biggest gift to us.

To be financial independent during the golden age, you have to start your financial plan as early as possible. I started mine at the age of 25. I learned and practiced at the same time. The first time you need to have is where you want to go and by when. Subsequently, you have to draw a roadmap to get to your destination. Your map will be useless without action. You also have review your progress against your roadmap and make necessary adjustment to ensure you will arrive your destination within the stipulated time. This is the whole financial planning about.

It is actually not that difficult. However, people fail mainly due to lack of self discipline. If you can't even follow your roadmap, don't even talk about success. Also, if you unwilling to learn, you will also not get what you want. The whole process is talking about mistakes and learning form mistakes. By doing so, you will be able to fine tune your route to make sure you reach your destination.

Have you started your financial plan for your old age?