Masaki Nakamori, who woke up the next day, felt an unprecedented refreshment as soon as he opened his eyes.

This probably proves that people feel happy when they are happy. Just last night, he completed the second step of his plan.

Masaki Nakamori's entire plan is to take three steps. The first step is both the simplest and the most difficult. The simplest is because you only need to mortgage your own property to the bank to get the money.

The most difficult thing is that the property ownership of the house is not me, but my mother Akina Nakamori. Therefore, she needs to provide herself with a relevant guarantee.

The second step is to buy short options about Lehman Brothers from strong and well-known old-fashioned market makers.

Only with this thing in his hand can he proceed to the next step. Otherwise, he would not be able to continue to advance his plan.

The third and final step. He only needs to take the short option contract signed between himself and the market maker to purchase a CDS from a wholly-owned insurance subsidiary of Sumitomo Financial Group, a wholly-owned insurance subsidiary of Mitsui Sumitomo Financial Group.

Masaki Nakamori got off the bed, washed and dressed up, and brought some necessary things. He walked out of his bedroom and followed the stairs at home to the first floor.

Akina Nakamori looked at her son like this and said in a tone of asking, "Are you going out?"

"Yes. I won't come back at noon." Masaki Nakamori answered concisely while walking towards the gate.

"You are already twenty years old. Remember to go to the Jin Office last year." Akina Nakamori kindly reminded.

Masaki Nakamori stopped, turned toward her mother, raised her right hand and gestured toward her with an "OK" gesture.

He turned his body again, walked straight to the entrance, took a pair of his shoes from the shoe cabinet and put them on one by one.

Before opening the door and walking out, Masaki Nakamori shouted: "I'm out."

Akina Nakamori replied: "Be careful on the road."

Masaki Nakamori opened the door and walked out, and then closed the door. While he was walking, he naturally thought of RB social security in his mind.

According to some relevant provisions of RB law, RB people over the age of 20 need to pay a national pension.

Last year, the purpose of the Financial Office was to submit relevant registration materials, choose whether to submit them once a year, once a month, or postpone the payment. Or make up for the payment. As your current college student, you can choose to postpone the payment of the national pension.

According to the requirements of the national pension, you need to pay 16,000 yen per month, from the age of 20 to the age of 60, and you will pay for 40 consecutive years. There is no unpaid situation in the middle. Then you can receive a monthly retirement fee of 65,000 yen after the age of 60.

In fact, the average national annuity that RB people can receive is only 55,000 yen. With this amount of money, it is difficult to just rent a single apartment.

This does not include civil servants and office workers. The targets of targeting and popularizing are housewives, freelancers, self-employed people, etc.

If it belongs to office workers and civil servants, it belongs to the category of a prosperous pension. 18.3% of the salary will be deducted from the salary every month. Half of this needs to be borne by the private person, while the other half needs to be paid by the company.

If the average annual income is 3.5 million yen, you can get about 124,000 yen/month after retirement. If the average annual income is 4.5 million yen, you can get about 142,000 yen/month after retirement. If you are a formal member of a big-hand company, you can get more than 160,000 yen/month after retirement.

So, this explains very well why RB has many elderly people called "silver-haired people" who are still working even after retirement.

That is, the pension is not enough for a person to live in the elderly and live alone. According to Tokyo's living standards, people with monthly incomes below 130,000 yen are eligible to apply for a minimum living allowance.

Even so, RB's social security is overwhelmed. On the one hand, the average life expectancy of RB people is as high as 85 years old, and on the other hand, it is less birth and aging.

When Masaki Nakamori thought of this, he really realized how difficult it is for ordinary RB people to live in their own country.

Even when you reach the age of retirement, you won’t be able to enjoy your old age. On TV, you can see RB people who are fashionable in their clothes and can travel abroad from time to time. They are all rich people in the middle and upper class.

In his memory of his previous life, he recalled that for this reason, the RB government also proposed to pay 20 million yen for personal pension.

This is one of the origins of some foreigners who don’t know the inside story of RB mistakenly believe that the elderly RB have money. In fact, it is difficult for ordinary RB people to save 20 million yen before retirement.

On the one hand, the price level of RB is already high, especially in Tokyo. It is even higher for young people. It is difficult for them to save money.

On the other hand, since the bursting of the bubble economy in the early 1990s, RB has been deflation in a long time, and the income of young people is much less than that of their parents.

Not only that, their income also shows a decline instead of rising, resulting in a rise in salary, etc. Don’t even think about it. It would be great if you don’t cut your salary again. If you reach middle age and encounter another unemployment, it will be even more troublesome.

Not to mention that the national pension or the Welfare Pension is quite likely to be interrupted? In addition, there are medical insurance and other expenses at home that must be maintained.

If you really encounter this difficulty, there will naturally be many RB people who choose to end their personal lives by suicide. The number of suicides in RBs each year remains at 20,000 or 30,000.

RB has always been a high-pressure society with strict class hierarchy, rigid bottom-up mobility and low fault tolerance. For ordinary RB people, there is really a way to live and work hard.

One conclusion that Nakamori Masaki came to is that simply thinking about relying on the little retirement expenses given by RB social security to ensure a person's life in his later years is tantamount to dreaming.

If you want to live a good life and have a high-quality life, you still have to rely on your personal efforts and careful planning. Otherwise, it will really be true that when a person is most miserable, he is still alive and has no money.

Masaki Nakamori knows that if his plan to short Lehman Brothers' stocks is completely successful, not only himself, but also with his mother, he will no longer have to worry about money. This means that their future lives will be better and more interesting.
Chapter completed!