ãããã¹ãã³ãããšãããããã³ãããæº¶ãããšãââFIREåŸã«æ°ã¥ãããâã©ã€ã¯âã®æ£äœ
ã¯ããã«
åã¯ãæšå¹ŽãFIREãFinancial Independence, Retire EarlyïŒçµæžçèªç«ã𿩿ãªã¿ã€ã¢ïŒããéæããä»ã¯ãæè³å®¶ãšããŠç掻ãããŠããã
æ¯æãæºå¡é»è»ã«ä¹ãããšããäŒç€Ÿã®ãã£ããéç¥ã«è¿œãããããšããªããªã£ãã
ãããªä»ããµãšç«ã¡æ¢ãŸã£ãŠèããããšããããäŒç€Ÿå¡ãšããŠåããŠãããã®é ãåã«ãšã£ãŠã®ãã©ã€ã¯ïŒããããã³ãïŒããšã¯äžäœäœã ã£ãã®ã ãããããšã
äŒç€Ÿå¡æä»£ãåã®ç掻ã¯ãã¯ãŒã¯ããšãã©ã€ããã«ãããã«åããããŠããã ã¯ãŒã¯ïŒäŒç€Ÿã®æéãã©ã€ãïŒèªåã®æéãšãããâäŒç€Ÿãäœã£ãæéå²âã®äžã§çããŠããã
åã¯ãFIREãç®æããŠããææãã©ã€ãïŒèªåã®æéïŒã®ã»ãšãã©ãè³ç£éçšã«è²»ãããŠãããæèµ·ããŠç±³åœåžå Žããã§ãã¯ããéå€é»è»ãæŒäŒã¿ãã¹ããã§æ
å ±ã远ããå€ã¯å®¶æãšã®å£ããã®è£ã§ãç±³åœåžå Žã®éå ŽãåŸ
ã€ã
äŒæ¥ã ãã¯ãžã ã§çãã¬ããå
¬åããŠã©ãŒãã³ã°ãããããããåœæã®åã«ãšã£ãŠæ°å°ãªãâã©ã€ãïŒèªåã®æéïŒâã ã£ãã
ããããFIREãéæããä»ãæ¯ãè¿ããšããã¯ãŒã¯ããšãã©ã€ããã®å¢çç·ã¯é©ãã»ã©ææ§ã ã£ãããšã«æ°ã¥ãã
ããããè³ç£éçšãçãã¬ããŠã©ãŒãã³ã°ãã®ãã®ããåã«ãšã£ãŠâå°æ¥ã®ç掻ã®èªç±åºŠãé«ããããã®åºç€ã¥ããâââå°æ¥ãžã®æè³ââãšãããã¯ãŒã¯ãã®æ§è³ªãæã£ãŠããããã ã
1. ããŒããã³ããã¯ãŒã¯ãããã©ã€ã¯ãã«å€ãã
äŒç€Ÿå¡æä»£ã®ãã¯ãŒã¯ãã¯ãå€åæéã«å²ãåœãŠãããäŒç€Ÿã®ä»äºãæããŠããã
ããããåã«ãšã£ãŠã®å ±åæžäœæãäŒè°é²ãææžäœæã®ãã¯ãŒã¯ãã¯ã決ããŠããããããªãèŠè¡ãã§ã¯ãªãã£ãã
çç±ã¯ãè³ã®ä»çµã¿ãèãããšããããããã
ã質ã®é«ãè³æãäœããâãè€ãããããâããŸãããããšæããã
人éã®è³ã¯ãèªåã®è¡åã«æå¿ããè¿ã£ãŠãããšããã®è¡åã奜ãããã«ã§ããŠããã
è³ç§åŠã§ã¯ããã®ãšãããŒããã³ãšããå ±é
¬ã«é¢ããç©è³ªãåããŠãããšèšãããŠããã
ã»ãèªå·±å¹åæïŒèªåã¯ã§ãããšãã宿ïŒ
ã»ãæé·å®æïŒä»¥åããæé·ããŠããæèŠïŒ
ã»ãè²¢ç®å®æïŒèª°ãã瀟äŒã®åœ¹ã«ç«ã£ãæèŠïŒ
ããããå°ããªæåäœéšãç©ã¿éãªããšãæ¬æ¥ã¯ãããã¹ãã³ããã ã£ããã¯ãŒã¯ãïŒä»äºïŒããå°ããã€ãããããã³ããïŒã©ã€ã¯ïŒã«å€ãã£ãŠããã
ãŸããæ°ããä»äºã¯ãããã ãã§å°ã楜ããã人éã¯ãæªç¥ããã®ãã®ã«åºæ¿ãæããããã ã
ããã«ãæ¯æ¥ç¶ããŠç¿æ
£ã«ãªããšãæåã¯ãã¯ãŒã¯ã=ããããããªãèŠè¡ãã ã£ããã®ãããããŠâæ®éã®è¡åâãžå€ãã£ãŠããã
äŒç€Ÿå¡æä»£ãåãæŒäŒã¿ã«ã²ãŒã ã«èããååãå°ãè·é¢ã眮ããŠèŠãŠããã®ã¯ãåã«ãšã£ãŠã²ãŒã ãããå ±åæžäœæãã®æ¹ããèªå·±å¹åæãè²¢ç®å®æãåŸããããæå¿ããæããããè¡çºã ã£ãããã§ããã
2. ãããããã³ããã¯ãå®ã¯ãããã¹ãã³ããã ã£ã
ã§ã¯ãã©ã€ãïŒèªåã®æéïŒã«è¡ã£ãŠããè³ç£éçšãçãã¬ããŠã©ãŒãã³ã°ã¯ã©ãã ããã
ãå°æ¥ã®ç掻ã®èªç±åºŠãé«ããã ââ ããèªåã«èšãèãããŠåãçµãã§ããããæ¬é³ãèšãã°ãã§ããã°å¯ãŠãããããšæãæ¥ãå€ãã£ãã
æè³å®¶ãšããŠå·éã«åæããã°ããããã¯ãããããã³ãããšãããããå°æ¥ã®èªåãšããè³ç£äŸ¡å€ãç¶æããããã®ãå°æ¥ãžã®æè³ãã ã£ããšèšããã
ã€ãŸããè³ç£éçšãçãã¬ããŠã©ãŒãã³ã°ãããããããã³ããã§ã¯ãªã ãããã¹ãã³ãã ã ã£ããããããŠèŠããšãå°æ¥ã®èªåã®ç掻ãç¶æããããã®è¡çºââããã°â人çã®ã€ã³ãã©ã¥ããâââå°æ¥ãžã®æè³ââããã©ã€ãïŒèªåã®æéïŒã®å€§åãå ããŠããã®ã ã
å°æ¥ãžã®æè³ã¯ãæ¬æ¥ãããã¹ãã³ããã ãããããããã«æå¿ããæå³ã誰ããšã®ã€ãªãããæããããããã«ãªããšã人ã¯ãããå°ããã€ãããããã³ãããžå€ããŠããã
ã»ãè³ç£éçšã§è³ç£ãç©ã¿äžããã
ã»ãçãã¬ã§æ±ããééãå¢ããã
ã»ããŠã©ãŒãã³ã°ã§äœèª¿ãæŽãã
ãããªå°ããªå€åãç©ã¿éãªãããšã§ããå°æ¥ã®ããã«ä»æ¹ãªãããã³ããïŒãããã¹ãã³ããã¯ããã€ãã仿¥ããããããã³ãããžå§¿ãå€ããŠããã®ã§ããã
3. 幞ãããããããã©ã€ã¯ãââæ ç·çãªå ±é ¬
ã§ã¯ããããã¹ãã³ããããããããã³ããã«å€ããæŽãæ¹ãšã¯å¥ã«ã人éãæ¬èœçã«ãããããã³ãããšæãããã®ã¯äœãªã®ãã
åã®æèããã©ã£ãŠãããšãäžã€ã®ä»®èª¬ã«çªãåœããã
ããã¯ããèªåãªããã¯èº«è¿ãªä»è
ã«å¹žããããããã³ããã ã
ã»ãå®¶åºèåã§è²ãŠãã«ãã³ã©ã«ãå®¶æãæ°ã¥ããŠããã
ã»ãéšäžãè€ããŠããã®æé·ãåã¶
ã»ãå®¶æã«ãã¬ãŒã³ããèŽãããã®ç¬é¡ãèŠã
ãããã¯ãå€åæéã§ãäœæã§ããªãã
ã¯ãŒã¯ïŒã©ã€ããšããæéå²ã®å€åŽã«ãããã®ã ã
ããã§åŸãããã®ããâ人ããã®åå¿ã«ãã£ãŠåŸãããããããâãšããæå³ã§ã¯ç€ŸäŒçå ±é
¬ã®äžçš®ãªã®ã ããã
ãã ããããã¯ä»äºã§è©äŸ¡ããããšãã®åã³ãšã¯å°ãéãã
ããã«ããã®ã¯ãéææããããåã³ãå®å¿æã人ãšã®ã€ãªããã ã
誰ãã幞ãããã«ããŠããã®ãèŠãŠãèªåããããããªãã
誰ãã®æé·ãèŠãŠãèªåã®ããšã®ããã«èªããããªãããããªæèŠã§ããã
4. ãããã¹ãã³ãããšãããããã³ããã¯åºå®ã§ããªã
äŒç€Ÿå¡æä»£ã®ãã¯ãŒã¯ïŒã©ã€ããã©ã³ã¹ããšã¯ãå€åæéãšäœæãåããããã®æŠå¿µã ã£ãããããFIREåŸããã®å¢çã¯æ¥éã«ææ§ã«ãªãã
è³ç£éçšã¯è¶£å³ã§ããä»äºã§ããããããã°å·çã¯éã³ã§ãããåçæºã«ããªãã
ãããšä»åºŠã¯ããä»äºããéã³ããã ãã§ã¯ãªãããããã¹ãã³ãããšãããããã³ããã®å¢çãŸã§æº¶ãå§ããã
ãªããªãã人éã¯è¡åãã®ãã®ã«åºå®ããã䟡å€ïŒãããã¹ãã³ããããããããã³ããã®åºå¥ïŒãæããŠããããã§ã¯ãªãããã ã
äŒç€Ÿå¡æä»£ãé¢åãªäºååŠçãå±±ç©ã¿ã«ãªããšãå ±åæžäœæãâæ¥œããäœæ¥âã«å€ããããšããã£ããæ¬æ¥ã¯å«ã ã£ãä»äºã§ãããã£ãšå«ãªä»äºãçŸãããšãéé¿å
ããšããŠå¿«é©ã«æãå§ããã
ã€ãŸã人éã¯ããããã¹ãã³ãããšãããããã³ãããæç¢ºã«åããŠçããŠããããã§ã¯ãªãã
ãã®æã
ã§ã
ã»ãéææããã
ã»ãæ°ãã©ã¯ã«ãªã
ã»ãåºæ¿ããã
ã»ãçŸå®éé¿ã§ãã
ãšãã£ãâå ±é
¬âãããã匷ãåãåããè¡åã®æ¹ãžåããŠããã
FIREåŸã¯ç¹ã«ããä»äºããéã³ãããšããæéå²ã§ã¯ãªããããã®è¡åããèªåã«ã©ããªå ±é
¬ãè¿ããŠãããããããè¡ååºæºã«ãªã£ãŠããã
ãŸãšã
ã¯ãŒã¯ãã©ã€ã¯ããã©ã³ã¹ãšã¯ã âããã¹ãã³ãâããã®ãŸãŸçŸ©åãšããŠæ±ããã®ã§ã¯ãªããèªåã«ãšã£ãŠã®âããããã³ãâãžãšå€ããŠããããã®æŽãæ¹ã§ããããã®æŽãæ¹ãæ¯ããã®ãã
ã»ãæé·ãéæã®æå¿ããããããš
ã»ãå°æ¥ãžã®æè³ã ãšçŽåŸã§ããããš
ã»ã誰ãã®åå¿ãæè¬ãè¿ã£ãŠããããš
ã»ãæ°ããçºèŠãåºæ¿ãããããš
ã»ãç¶ãããã¡ã«ç¿æ
£ã«ãªãããš
ãã®æŽãæ¹ãæ©èœãå§ãããšãä»äºããå®¶äºããå¥åº·ç®¡çãããã ã®ãããã¹ãã³ããã§ã¯ãªããèªåã®äººçãåã«é²ãããããããã³ãããžãšå€ããŠããã
FIREãããŠããã£ãã®ã¯ãèªç±ãšã¯ãäœãããªããŠããã³ããã§ã¯ãªãã£ããããããèªåã®äžã§ãããã¹ãã³ãããšãããããã³ããããå°ããã€åãæ¹åãžæŽããããŠããæèŠã ã£ãã
è³ç£éçšããå¥åº·ç®¡çããããã°å·çããå®¶æãšã®æéããæ¬æ¥ã¯ãããã«ãããã¹ãã³ãããšãããããã³ããã«åãããããã®ã§ã¯ãªããæåã¯çŸ©åïŒãããã¹ãã³ããã ã£ããã®ã§ããèªåãªãã®æå³ã楜ãããèŠã€ãããšã人ã¯ããããããããã³ãããžå€ããŠããããéã«ãã©ãã ã奜ãã ã£ãã³ãã§ãã矩åæã«æ¯é ãããã°èŠãããªãã
ã€ãŸã人éã¯ããããã¹ãã³ãããšãããããã³ãããåããŠåããŠããã®ã§ã¯ãªããããã®è¡åã«ã©ããªæå³ãæå¿ããæããããããã§åããŠããã
åã«ãšã£ãŠã®ã¯ãŒã¯ãã©ã€ã¯ããã©ã³ã¹ãšã¯ããããã¹ãã³ãããåãªã矩åïŒãã¯ãŒã¯ããšããŠããªãã®ã§ã¯ãªãããã®äžã«èªåãªãã®æå³ãæå¿ããèŠã€ããªãããå°ããã€ãã©ã€ã¯ããžå€ããŠããæŽãæ¹ã®ããšãªã®ã ã
仿¥ãæãå®¶åºèåã®ã«ãã³ã©ãèŠã«è¡ãã 誰ã«é ŒãŸããããã§ããªãã®ã«ãèªç¶ãšè¶³ãåãã ããããå°ããªãã©ã€ã¯ãããFIREåŸã®åã®äžæ¥ã圢ã¥ãã£ãŠããã
ãããªãšæã£ããå¿æŽãããïŒ
ãããããã°å¿æŽãé¡ãããŸãïŒ ããã ãããããã¯ã¯ãªãšã€ã¿ãŒãšããŠã®æŽ»åè²»ã«äœ¿ãããŠããã ããŸãïŒ 