一位漫步者的告白

退休族最怕的是：以為退休金非常足夠，但不幸遇上高通膨、高物價，而且「忘了」還有年邁父母要照顧，醫療費或看護費等龐大支出肯定會侵蝕本金。

再者，必須考量自己將來步入60歲以後的醫療支出，所以在退休前應盡可能預估未來每一筆支出，才不會在退休後猛然驚覺「以為退休金很足，其實根本不夠」。

或許考量重返職場的可能性，但通常機率較年輕人或中生代低許多，唯一能補救的是重新檢視資金配置，幫現金找到最好的出路，創造一筆、甚至兩筆以上的現金流，而非傻傻地存在銀行裡，被通膨與物價吞噬。

What retirees are most afraid of is: they think their pension is very sufficient, but unfortunately encounter high inflation, high prices, and "forget" that they have elderly parents to take care of. Huge expenses such as medical or nursing expenses will definitely erode the principal money.

In addition, must consider their future medical expenses after the age of 60. They should try to estimate every future costs before retirement, so as not to suddenly realize after retirement that "the pension is sufficient, but it is not enough".

Maybe consider the possibility of returning to the workplace, but the probability is usually much lower than young people or middle generation. The only remedy is to re-examine the allocation of funds, put money to the best way and create one or even more than two cash flows. Not just foolishly stored in the bank, thus purchasing value will be swallowed by inflation and high prices.