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Send me Inter, but there's no money to save, okay?

Hello, my friends, Lemon 8 🍋. At the end of the year, Mother Savings had the opportunity to meet a school friend. Talk to each other until "Retirement Planning." It turned out that in many friends' conversations, many of them were "throw calls for children."

✅, you have to learn the top level.

✅ 2-3 trips abroad a year

✅ Auxiliary activities, music, sports, everything.

Many homes have only one child, which is not surprising to be very dedicated.

.

But when asked about the retirement savings, everyone said, "Well, that's enough, but I haven't really planned it yet. Now let's focus on you first. I want to give him the best thing. We still have the strength to make money." Everyone is 40 +. 🥹

.

In the view, a savings mother sees retirement planning as "one of the best things I can give you." A savings mother does not view saving money to take care of herself as selfish, but as "giving her freedom" when she grows up.

.

✨ don't want their children to bear the hope of being their parents' "retirement fund."

✨ want you to use the money he earned to build a family and fully follow his dreams.

✨ the day we get older, we want to be parents who still have a smile and a good quality of life on their own, which Mother Om has a grandmother as an example (to share another post).

.

So instead of sending a top-level Inter school that might have strained the finances until there was no savings, we chose a good quality "Inter Course" and answered your problem, but left a difference for us to invest in so that the flower would take care of us on the day of downtime.

We choose middle school, middle life, but in our hearts we are "light" knowing that the future will not burden anyone. 💕

.

What about the parents, the other houses? What are the lines?

1️⃣ All-in line is dedicated to your present as best as possible.

2️⃣ Balance Line plans to retire alongside raising children, reducing certain Lifestyles for long-term stability.

.

Let's exchange views. There is no right and wrong. Because the heart of the mother, everything is done for "children." ❤️

# Savings mother # Plan retirement # Story of having children # Year-end finance # lemon 8 invite to talk

1/20 Edited to

... Read moreการส่งลูกเรียนหลักสูตรอินเตอร์เป็นเรื่องที่พ่อแม่หลายคนใฝ่ฝัน เพราะต้องการให้ลูกได้รับการศึกษาคุณภาพสูงและเปิดโอกาสในชีวิตมากขึ้น แต่ก็มีความกังวลเกี่ยวกับค่าใช้จ่ายที่สูงและผลกระทบต่อการวางแผนการเงินระยะยาวโดยเฉพาะเรื่องเงินเก็บหลังเกษียณ จากประสบการณ์จริงของผู้เขียน พบว่าการวางแผนอย่างรอบคอบและเลือกหลักสูตรที่เหมาะสมกับความต้องการของลูก เป็นทางออกที่ดี แทนที่จะเน้นส่งลูกเรียนในสายอินเตอร์ระดับท็อปที่ค่าใช้จ่ายสูง แต่สามารถเลือกหลักสูตรอินเตอร์ที่คุณภาพดีพอสมควรและยังสามารถจัดสรรงบประมาณไว้สำหรับการออมและลงทุนในระยะยาวได้ด้วย ผู้เขียนแนะนำให้พ่อแม่ลองแบ่งสัดส่วนงบประมาณครอบครัวระหว่างค่าใช้จ่ายเพื่อการศึกษาของลูกและการเตรียมความพร้อมเงินเกษียณอย่างสมดุล เพราะการเก็บเงินสำรองไว้ดูแลตัวเองในอนาคต คือหนึ่งในของขวัญที่ดีที่สุดที่พ่อแม่สามารถมอบให้ลูก อย่างการมอบ "อิสรภาพ" ไม่ให้ลูกต้องแบกรับภาระทางการเงินในวันที่พ่อแม่แก่ตัวลง นอกจากนี้ การลดกิจกรรมที่ไม่จำเป็นหรือการใช้ชีวิตด้วยความเรียบง่ายในบางด้าน ก็ช่วยให้สามารถออมเงินได้มากขึ้น และค่อยๆ สะสมเงินเพื่อกองทุนเกษียณ โดยไม่ส่งผลกระทบต่อความสุขของครอบครัว สุดท้าย สิ่งสำคัญคือการเปิดใจพูดคุยแลกเปลี่ยนความคิดกับพ่อแม่อื่น เพื่อเรียนรู้รูปแบบการบริหารจัดการเงินที่หลากหลายและสร้างความมั่นใจว่าการตัดสินใจในวันนี้จะช่วยสร้างอนาคตที่มั่นคงสำหรับทุกคนในครอบครัว

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