今日のテーマは、『私たちは、いつも他人事(ひとごと)と考えてしまう』です。
久しぶりに、『お金』『投資』に関わる記事を書きます(笑)
基本的に、土日祝日を主として、『新規クライアントさん』の面談をしています。
本日のクライアントさんは、30歳の専門職に就かれている女性でした。
『20代から始める、40歳セミリタイア・ライフプラン』を専門に掲げるものの、
実際に、20代で面談を受講しに来られる方は、全体の『1割未満』に限られます。
一般的に、
『時間』『お金』『体力(健康)』等の有限さを実感し、
『人生』に対して、本気で、真剣に向き合い始めるのは、もう少し後のこと。
事実、
クライアントさんの多くは、私(35歳)よりも歳上の方々ばかりで、
早くて30代後半から、40代半ば、50代、60代の方々が『メイン』です。
そう考えると、今日、面談させて頂いた女性は、比較的若い方ですね。
ただし、
私も含めて、既に『30歳』を通過されている方々は理解できますが、
人生において、1つの『ターニング・ポイント』を迎える時期でもあります。
2019年現在、
『私たちの親世代』が、20代、30代を過ごした時代ほど、
『画一的な価値観』など存在せず、この数十年で『常識』も一通り書き換わりました。
顕著に感じるのが、
『女性』の社会での活躍・躍進で(世界基準から乖離があると言われますが)、
『結婚・パートナーシップ』についても、現在では様々な価値観が存在します。
現実に、
私のクライアントさんには、キャリア・ウーマンと呼ばれる方も多いですが、
『結婚』というイベントに固執する事なく、人生を謳歌している方も多くいらっしゃいます。
それだけ、
『女性』が独力で生活できるほど、『経済力』がついている証拠ですが、
その分、『働き方』『人生観』も含めて、選択肢が複雑になっているように感じます。
ただし、
どのような『選択』をしようとも、今後の社会においては、
『既存の社会保障』に依存せず、独力で『資産形成』することからは、逃げられません。
主催セミナーでは常々お伝えしていますが、
あなたが、どのような業界・職業に所属していようとも、立場に置かれようとも、
『資産形成(投資)をしない』という選択は、直結して『人生放棄』を意味します。
その事をしっかりと認識していただき、
公式ブログ読者の皆さんは、『具体的なアクション』を起こして頂けたら幸いです。
個人セッションの中では、
日本の『財政状況』の現状についてお話しさせて頂く場面もありますが、
本日の面談でも、私自身、話していて『そうだよな』と感じたことを取り上げたいと思います。
それが、今日のタイトル。
私たちは、いつも『他人事(ひとごと)』と考えてしまう。
いくら、
今、現時点で、『日本財政はヤバイ状況です』という事をお伝えしても、
日々、その事を実感して『準備』を進めているごく少数派の方々以外は、
どうしても『他人事(ひとごと)』としか考えられません。
例えば、
過去、いつとは言いませんが、『GDP(国内総生産)比:200%』という、
途轍もない『借金(国家債務)』を積み上げた時が、日本にはありました。
その時、『債務解消手段』として、国家(政府)がとった行動は次の通りです。
・新貨幣・旧貨幣の交換スキーム(旧貨幣は使用不能)。
・預金封鎖(預金引出し制限)。
・資産課税(資産保有に対する徴税)。
・インフレーション(貨幣価値の意図的下落政策)。
・デノミネーション(国家による貨幣価値の切下げ)。
この一連の流れを通して、国民資産の殆どを没収し、債務解消した訳ですが、
今から『70年以上』も前の事ですから、私たちにとっては『他人事』です。
このイベントについては、
現時点で、経験的・体験的に知っている方々は殆どいないので、
ある程度、(他人事と感じてしまうのは)仕方ない事なのかも知れません。
実際に、
上記のような『事実』をお伝えしたとしても、現代日本において、
『本当に、そんなことが起こるんですか??』と感じられる方が『大勢』です。
周りを見渡せば、
そのような事に対して、『備えている人間』は、殆ど見当たらないし、
夏の日差しが、幾分和らぎ始めた最近では、『快適な日常』が続いています。
どちらか言えば、
私がお伝えしていることの方が、『非日常』として捉えられがちで、
日本の財政状況が悪化しているのは知っているけど、自身とは『リンク』しません。
少し時代を振り返れば、
1990年代後半、『アジア通過危機』が起こった際、
『投資マネー』が瞬時に引いた、お隣の国『韓国』が、
一気に『国家破綻の危機』に陥ったことが思い出されます。
この時、
IMF(国際通貨基金)までもが同国に介入し、何とか危機回避しましたが、
名だたる大企業が多数倒産し、国債格付けも下方修正される大惨事に見舞われました。
当然、
この時期、韓国国内は、経済的に混乱・困窮を極めており、
ダイレクトに影響を受けた『国民生活』は、相当悲惨なものだったと推測します。
しかし、
この時も、私たちは隣国の大惨事を『他人事(ひとごと)』としか捉えておらず、
今となっては、この時の『経済的有事』の記憶さえ、忘れ去ってしまっています。
それだけ、
『目先のこと』で『自分に関係すること』以外は、『無関心』だということです。
この事について、
世界的ベストセラーとなった『7つの習慣』の中で、
スティーブン・R・コヴィー博士は、人間の行動を4つの領域に分類しています。
第一領域は、『緊急性』が高く、『重要度』も高いもの。
第二領域は、『緊急性』は高くないが、『重要度』が高いもの。
第三領域は、『緊急性』は高いが、『重要度』は高くないもの。
第四領域は、『緊急性』、『重要度』共に高くないもの。
そして、
世間一般の方々は、『第一領域』『第三領域』に終始して日々を過ごすが、
人生の『質』を高める為には、『第二領域』の行動こそが最重要だ、とも。
お伝えしたいのは、
『目先のこと』『自分に関係(直結)すること』だけに目を向けていては、
『第二領域(最重要項目)』を見抜くことは、決して、出来ません。
一見、『他人事(ひとごと)』と思えるような物事にも、
センシティブに『アンテナ』を張り、『資産形成』に臨んで頂けたら幸いです。
——————————————————————–
■1組限定!■9月17日(火)東京出張セッション開催決定!
*『資産形成』にご興味持たれる方は、ぜひ有効活用頂けたら幸いです。
——————————————————————–
『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、
今月は神戸・三ノ宮9月27日(木)、大阪・梅田9月28日(金)の日程で開催します。
——————————————————————–
■2019年9月26日(木)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9月27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
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