『金策』に走り始めたら、個人も国家も『破綻』するサイン。

今日のテーマは、『金策に走り始めたら、個人も国家も破綻するサイン』です。

 

 

『お金』に関して、悩ましい問題の1つに、次の事があります。

 

 

『友人・知人、親族からの借金の申し出は、応ずるべきか、否か??』

 

 

この質問を聞いて、『ドキッ!』とした方もいるのでは無いでしょうか??

 

 

かくいう私も、このテーマについて悩んだ事は、人生に2度程あります。

 

 

理屈で言えば、

 

 

古今東西、偉人の方々が、様々な『名言』を残されている通り、

『他人に金は貸すな、友情とお金、両方とも失うから』が正論だと熟知しています。

 

 

が、

 

 

実際に、その場面に遭遇した方々なら分かると思いますが、

『現実世界』では、感情が絡む為、『理想論』程簡単では無いですよね。

 

 

もしかしたら、

 

 

このような場面に遭遇した際、実際に『お金』を貸してしまい、

上記の2つとも失った経験を持つ方も、居るかも知れませんね。

 

 

前述の通り、

 

 

私自身、人生で2度程、そういう場面に遭遇しましたが、

結論、初志貫徹で『お金』を貸さないという意思を貫きました。

 

 

自分としても、相当、苦しかった経験です。

 

 

それでも、

 

 

その時、初志貫徹で『お金』を貸さない判断をしたからこそ、

『お金』『繋がり』を、現在も失わずに済んでいるのだと考えます。

 

 

と言う訳で、

 

 

面識ない方々は当然ですが、直接繋がりのある友人、知人、親族の皆さん、

『井上耕太』は、人生において、誰にも『お金』をお貸しする事はありません。

 

 

お互いに『無駄な労力』になりますので、『打診』そのものをお控え下さい(笑)

 

 

何故なら、

 

 

『お金』に困っている方々に『お金』をお貸ししたとしても、

その方法では、決して、『根本的解決』には至らない事を知っているからです。

 

 

また、

 

 

一見、『お金』の問題のように見えることでも、

本質的には、『お金』が問題ではないことが、世の中には多々存在しています。

 

 

具体例を挙げれば、

 

 

多重債務により『自己破産』しそうな人物に『お金』を与えたとしても、

『本質』としての問題は、その人物の『お金の管理能力の無さ』なので、

一時的な『難局』を乗り切っても、何1つ解決していませんよね。

 

 

違う事例を挙げれば、

 

 

『自動車の運転能力』が無く、交通事故を起こしてしまう人間に、

『自動車』を新たに与えても、『新たな事故』を起こしてしまうのと同じです。

 

 

この事例では、

 

 

『そんな危ない人間に、自動車なんか与える方が馬鹿だ!』と憤る方々も、

こと『お金』というテーマになると、それと『全く同じ過ち』を犯してしまいます。

 

 

それが、『感情』が絡む『お金』という存在の興味深いところです。

 

 

『前置き』が長くなっていますが、

 

 

要は、『巨大組織(国家)』であれ『個人』であれ、

『金策』に走り始めたら、それは『破綻』へのカウント・ダウンだという事です。

 

 

その状況から、事態が改善する事は、極めて稀。

 

 

確率論で考えると、殆ど『不可能』なので、期待しない方が良いでしょう。

 

 

その典型的事例は、『私たちの身近』にも、確実に存在しています。

 

 

日々、

 

 

日本国の『公的年金』に関する話題が出ない日は無いですが、

先日も、少し興味を惹かれるテーマが、メディア報道されていました。

 

 

『厚生年金加入要件 2段階スライドで拡大予定』

 

 

ご存知の方は、いらっしゃいますか??

 

 

『厚生年金』自体は『会社員』の方々に対する制度ですが、

実質的な経済負担は『企業』である為、スルーしている方々が多いですよね。

 

 

具体的には、

 

 

現行制度で『厚生年金』の加入要件となる企業『従業員数501人以上』に対して、

2022年10月には『101人以上』、2024年10月には『51人以上』と、

『強制加入要件』を2段階スライドで順次引き下げるという法案です。

 

 

原則として、

 

 

『厚生年金』は、その保険料が『労使折半』で負担されており、

基礎年金と比較して支給が手厚くなる為、保険料が相応となり、

強制加入させられるとなると、企業経営を圧迫する可能性があります。

 

 

事実、

 

 

もしこの法案通り、2024年に『51人以上』へと基準引き下げとなれば、

新たに強制加入対象となる人数は、全国で『65万人』に上り、

その『保険料負担(企業サイドから見て)』総額は『1600億円』近くになる。

 

 

日本政府としては、

 

 

将来的に、この『企業要件』すら撤廃したいと考えているのが本音のようで、

もし実行されれば、従業員を雇った瞬間に『厚生年金』は強制加入となってしまいます。

 

 

正に、『金の卵を産む鶏』を、殺してしまうような政策です。

 

 

相変わらず、

 

 

政治家の先生方は、経営者としては『素人(*)』なので、

『物事の本質』をまったく理解されていないですね(苦笑)

 

 

*本来であれば、『国家』という超巨大組織の『経営者』であるので、

 『経営の本質』が分かっていない事は『致命傷』のはずなのですが。

 

 

話を戻すと、

 

 

何故、日本政府がこのような『馬鹿げた年金政策』を続発するかと言うと、

『公的年金システム』自体が、『破綻』へのカウント・ダウンを始めているからです。

 

 

この状況で、もはや『起死回生』する事は出来ません。

 

 

ただ、ひたすら『延命措置(緩和ケア)』を進めながら、

『終焉の時』を待つしかないと言うのが『本音』です。

 

 

要は、冒頭から長々と『前置き』してしまった話なのですが、

節操なく『金策』に走り始めた今、年金制度が『機能回復』する事は有り得ません。

 

 

政治家の先生方は、その立場上、口が裂けても言えないと思いますので、

その代わりに、自由な発言ができる私が、お伝えさせて頂きたいと思います。

 

 

と言っても、読者の皆さんにとっても、これは『常識』ですよね??

 

 

では、何か『具体的な対策』をされているでしょうか??

 

 

こちらも、

 

 

常々申し上げている事ですが、『警鐘』は、常に鳴り続けています。

 

 

それに気付かないのだとしたら、あなた自身、

思考回路が『お花畑』になってしまっているのでしょう。

 

 

賢明な方々は、『具体的なアクション』を起こし、

あなたが想像するよりずっと以前から、着々と『準備』を進めています。

 

 

あなたは、どのように感じられるでしょうか??

 

 

『危機感』を覚えられるようでしたら、『具体的アクション』を起こしてみて下さい。

 

 

『金融リテラシーを高めて、具体的に資産形成をしたい!』という方に最適なセミナーを、

来月は、神戸・三ノ宮12月20日(金)、大阪・梅田12月23日(月)の日程で開催します。

 

 

——————————————————————–

■2019年12月20日(金)開催!将来のお金の不安が2時間で消えるセミナーin神戸・三ノ宮■

****セミナーご案内ページはこちらをクリックください****

 

■2019年12月23日(月)開催!将来のお金の不安が2時間で消えるセミナーin大阪・梅田■

****セミナーご案内ページはこちらをクリックください****

——————————————————————–

 

 

『具体的なアクション』を起こすことでのみ、

人生は、本当に好転していくものだと思います。

 

 

ぜひ勇気を持って、新たな一歩を踏み出してみてください。

皆さんに、直接お会い出来るのを楽しみにしております。

 

 

セミナーを受講する間でもなく、

 

 

『今すぐ、具体的に資産形成をスタートしたい!』という方は、

ぜひ勇気を持って『お金のセッション』を受講してみてください。

 

 

——————————————————————–

****プライベートセッションご案内はこちらをクリック****

 

****『お金のセッション』ご予約はこちらをクリック****

——————————————————————–

 

井上耕太事務所

代表 井上耕太

372 件のコメント

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  • ABOUTこの記事をかいた人

    井上 耕太

    ・1984年4月21日生まれ。
     岡山県津山市 出身。国立 神戸大学 卒業。

    •『人生を変えるお金のセッション』★
     海外投資を活用した、セミリタイアライフプランを提供します。

    •資格:CFP®(ファイナンシャルプランナー国際ライセンス)
       1級ファイナンシャルプランニング技能士(国家資格)

    •趣味:野球、走ること、美味しいランチ巡り、海外一人旅

    •専門:プロアスリート ファイナンシャルアドバイス
    20代から始める、40歳セミリタイア ライフプランニング

    •使命:自らの発信により、『経済的自由人』を100万人規模で輩出する。

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