The wall of annual income that part-time housewives want to be careful about
Please check which wall you are on now!
Table of Contents
01: Part housewives want to pay attention to the wall of annual income
02: 106 million yen wall
03: The wall of 1.1 million yen
04: The wall of 1.3 million yen
05: The wall of 1.5 million yen
06: 1.78 million yen wall
07: 201 million yen wall
08: Annual Income Wall Quick Reference Table
09: Next notice
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What creates the future is not "someone someday" but "myself now."
The accumulation of small choices gives shape to the security of the future.
👉@こう｜中立なお金の先生Follow us
Let's learn step by step and increase our "choices"!
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💡 [Do you have money anxiety?]
For example, the ideal future may not come if you leave the following anxieties and troubles or leave them as if they are okay.
- I do not know how to do household management
· I do not save money even though I do not have luxury
I want to reduce fixed costs.
I feel like I have too much insurance.
・ I want to start NISA and iDeCo, but investment is anxious
Concerned about funding for children's education
· Old age funds are not enough anxiety
· I do not know the budget and interest rate of my home purchase
If even one of these concerns applies, let's follow and change the future from "anxiety" to "fun"!
As an independent FP that does not sell financial products,
There is no solicitation, mediation, sales, etc. of specific financial institutions or financial products.
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This account does not recommend any specific investment or purchase, nor does it provide investment advice.
There is a risk of loss of principal in investment. Any content does not guarantee future investment results, and final investment decisions should be made at your own risk.
In addition, we make every effort to ensure the accuracy and up-to-date of the posted information, but the information provider is not responsible for any errors in the content or loss or damage caused based on the content.
# housewife The Annual Income Wall Part of the Dependent The Wall of Dependence Remo Buzz Money
私自身もパート主婦として働きながら、おさえておきたい年収の壁に何度も悩んできました。特に106万円や130万円のラインを超えるかどうかで、社会保険の扶養から外れてしまい、手取りが思った以上に減ってしまったことがあります。 2026年10月からは社会保険の加入条件なども変わるため、最新の情報に注意が必要です。例えば、週20時間以上の勤務が条件だったものが撤廃されることで、働き方の幅が広がる反面、保険料や税金の負担が増えるケースもあります。逆に言えば、年収の壁を理解し、うまく調整すれば、税金や保険での損失を軽減しながら収入アップも可能です。 私の経験上、一番大切なのは家計全体のバランスを考えること。自分の手取りだけでなく、配偶者の控除や税負担の変化を家族単位で把握し、何百万円かの壁を超えたら支出や将来の計画も見直すことが必要だと実感しています。 また、130万円や150万円の壁を超えた場合は国民健康保険から勤務先の社会保険へ切 り替わることも多く、将来の年金額アップや保障内容の充実といったメリットもあります。このあたりのメリット・デメリットも考慮しながら、自分に合った働き方を考えるのが賢い選択です。 年収の壁は怖がるべきものではなく、情報を得て自身の働き方と連動させることで、将来の安心と家計の安定につなげられます。私の経験が少しでも皆さんの参考になれば嬉しいです！