2023-01-01ãã1å¹´éã®è¨äºä¸è¦§
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ã¾ã åãã¦ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ä»å¹´ãããä»æ¥ã§çµããã»ã» ããã§ã¯ä»å¹´ã®æ¯ãè¿ãããã¨æããè¨ã£ã¦ãã¾ãããã§ããã æ£ç´ â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ãã£ããä¼ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã å°ãæ©ãã®ä¼ç¤¾å¡åæ¥ãç®æãã¦è²ã ã¨åãã¦ãã¾ãã çµæ§å¸¸èçï¼ã«çãã¦ãããããã¨ãã¾ãã¦ã¯â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã çããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯æ©ãã«ä»äºãçµããã¹ããªã¿ã¤ã¢è³éã®ç²å¾ã«æ³¨åãã¦ãã¾ãã ããã ãã®ãããªãã¨ãç¾å®ä¸çã®â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ãéã«åããããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯é·ããä¼ç¤¾å¡äººçãæ©ãã§ãã¾ãã ããã¨ã¯éãçæ´»ã夢è¦ã¦æ¥ã æ´»åãã¦ãã¾ãã ä¼ç¤¾â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ä»æ¥ãåããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éã貯ããããã«æ¥ã æ´»åãã¦ãã¾ãã æ ªä¾¡ã®å¤åã«ä¸åä¸æãé²æãçºãã¦éããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã åãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ããããå¤ãã¦ããä¼ç¤¾ã§ã¯ ããªãå¤æ°ã®é¡§å®¢ã¨åå¼ããã¦ãã¾ãã ä¸æåãªã ãã客æ§ã¯ç¥æ§ã§ããã¨ãâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã èå¯ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã å æ¥ä¼ç¤¾ã§èå¾è³éã®å¿é ãããä¼è©±ãèããã¦ãã¾ããã ãããã¼å¿é ã ãã©ãããä»ããæé ãã ããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã 貯ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éãç²å¾ãã¹ã ç¯ç´ï¼æè³ã®ä¸¡è¼ªã§è³ç£å½¢æã«åªãã¦ãã¾ãã è¤å©ã®å¹æãã©ããã¯å®â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ç½ç±³ã欲ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éç²å¾ã®ããã«å®¶è¨ã®é©æ£åã«ãåãå ¥ãã¦ãã¾ãã ãã ããã¯ã©ããé©æ£ãã»ã»â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã åè² ã«è² ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã èªåã®é¡ããå¶ããæ¹æ³ã»ã»ãããããã§ãã ãã㯠é¡ããå¶ãã¾ã§æ±ºãã¦è«¦ããªããã¨ã ãããªã»â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã è¨ç»ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã å´åããã®åæ¥ãæ¤è¨ãã¦ããããã㯠ããããå ã®åå ¥ã»æ¯åºã®äºå®è¡¨ãä½æãã¦ãã¾ãã ãã®ä¸ã§ ä¸â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã å²ãåããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ããæè¿ã¯çµ¦ä»ãæ¸ç¨ã®è©±é¡ãããè¦ããã¾ããã å°åå対çã®æ½çããããã»ã»ã§ããããã ããããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã éãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã®åãã¦ããè·å ´ã§ã¯æ¯è¼ç人ã®åºå ¥ããå¤ãæãã§ãã æåããçæã§æ¥ã¦ããå ´åãããã¾ãã â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã 俯ç°ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ããããæ¥å¹´ããæ°NISAãå§ã¾ãã¾ããã ä»ã¾ã§æè³çµé¨ã®ç¡ã人ãå§ãã¦ã¿ãããã»ã» ã¨ãªãã®ã§ããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã è½èãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã å°ãæ©ãã«ä¼ç¤¾å¡äººçãçµãããã¨æã æ¥ã ãªã¿ã¤ã¢è³éã®ç²å¾ã®ããã«åãã¦ãã¾ãã å°ããã¤è³ç£ã¯â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã æµãã«éãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éãç²å¾ããããã«æ ªå¼æè³ããã¦ãã¾ãã å ¨ãããªããããã¯ã»ã»ããå©çãåºâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã å¤ãããªããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯äººä»ãåãããã¾ãä¸æã§ã¯ããã¾ããã®ã§ ç¥ããç¥ããã«äººãé ããã¦ãã¾ã£ã¦ãããã¨ããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ç¡è¬ãªãããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã é·ãã«äºãããã¬ç¶æ ã ã£ãæ¥æ¬ãç©ä¾¡ä¸æå±é¢ã«å ¥ã£ã¦ãã¾ãããã ä»ã¯ãã ååä¾¡æ ¼ãä¸ããç活費ãå§â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã æ¸æããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ã¡ãã£ã¨æ©ãã«ä¼ç¤¾å¡äººçãåæ¥ã㦠èªç±ãªçæ´»ãå¶ãã§ã¿ããã¨æã£ã¦ãã¾ãã ãã®ãããªè¦³ç¹â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã è¢å°è·¯ã«è¿·ãè¾¼ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ä¼ç¤¾å¡ããã¦ããã¾ã㨠ãã®ãããªé ç®ã§ããªãã®ä»äºãè©ä¾¡ãã¾ããã»ã» ã¨ãããã®ãç®ã«ãâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã å¤ç¬ã¯æ¯ã ã¨æããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯äººä»ãåããåå«ã§ãã¾ã常ã«èª°ãã¨æ¥ãã¦ãããã¨ã¯æãã¾ããã ã§ãããã£ã¨ç¬ãã§â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ã¼ã¼ã£ã¨éãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã æè¿ã¯ããæ¸ç¨ã ã®çµ¦ä»éã ã®æ§ã ãªäººæ°åãã®ï¼æ½çãæã¡åºããã¦ããããã§ãã 確ãã«ç©ä¾¡ã¯â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã æ¦ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãã¨ãã¨èªåã®è¨ããããã¨ãç¸æã«ã¶ã¤ãã¦ããã¿ã¤ãã§ãã ãã®ãããªæ§è³ªããç ããããããã¨â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ä½è¨ãªãã¨è¨ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã æè¿ã®ãããã®ä»äºã¯ãã£ããå®æé社ãããããªæãã§ãã 以åã¯çµæ§ãªé·æéå´åããã¦ãã¾ãâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã åãå ¥ãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯å®¶è¨ç®¡çã®ããã«ãããã使ãã§ããããéã®äºå®è¡¨ ã©ã¤ããã©ã³ã·ã¼ããä½æãã¦ãã¾ãã â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ã©ãã«ãçãã¦ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éã貯ããããã«å°ãã®ç¯ç´ï¼æè³ã§æ¥ã æ´»åãã¦ãã¾ãã å´åã«ã¦è³éãå¾â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã çã¿ããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éç²å¾ã®ãã家è¨ã®é©æ£åã«æ¥ã åªãã¦ãã¾ãã ã¨ã¯è¨ãã¾ãã¦ããããªã«ç¹å¥ãªãã¨ã¯â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã æ²ããªããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ã¤ã³ã¿ã¼ãããã®è¨äºãè¦ã¦ãã¾ã㨠50代ä¼ç¤¾å¡ã®æ²åï¼å½¹è·å®å¹´ã§å¹´åã¯å¤§å¹ æ¸ï¼ ã¿ãããªæç« ãããâ¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã ã ãã ãéãããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã ãããã¯ãªã¿ã¤ã¢è³éãæ»åºããããã« æ¥ã å°ãã®ç¯ç´ã¨æè³è¡åãè¡ã£ã¦ãã¾ãã æ¥ã ã®å®¶è¨ã¯â¦
ããã«ã¡ã¯ããªã¼ãºã³ã§ãã åããªããããã§ãã ä¼ç¤¾ã®äººéé¢ä¿ã«è¾æãã¦ã»ããªã¿ã¤ã¢ãèãã¦ãã¾ãã ä»ã¯ä»äºããã¦ã³ã·ãããã¦åãã¦ãã¾ãã æè¿ã¯ãã£ããç©ä¾¡ãä¸ãã£ã¦ãã¦ã¤ã³ãã¬ã®æ§ç¸ãã¨æãã¾ãã ã§ãèªèº«ãç¥ã£ã¦ããã¤ã³ãã¬ã¯ æ¯æ°â¦