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95% Orang Indonesia Gagal Pensiun Tenang & Nyaman: Strategi Keuangan Untuk Masa Tua.

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95% Orang Indonesia Gagal Pensiun Tenang & Nyaman: Strategi Keuangan Untuk Masa Tua.



95% orang Indonesia berisiko pensiun dalam kondisi finansial tidak ideal.
Bahkan, 77% masih harus bekerja di usia pensiun. Pertanyaannya: kita termasuk yang mana?

Di episode Podcast Room for Improvement kali ini, gue ngobrol bareng Ligwina Hananto — Financial Trainer & Founder QM Financial — ngebongkar realita pahit soal dana pensiun yang sering kita tunda.

Coba/Konsul Odoo gratis: https://www.odoo.com/id_ID

Kita bahas dari:

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* Apakah mulai dana pensiun di umur 30–35 masih aman?
* Kenapa banyak orang gagal punya masa tua yang tenang?
* Berapa sebenarnya dana pensiun yang kita butuhkan? (spoiler: bisa tembus Rp15–20 Miliar 😳)
* Strategi realistis mulai dari kecil, bahkan saat masih banyak cicilan
* Instrumen terbaik: emas, saham, atau kombinasi?
* Mindset yang harus dibuang: “anak jadi jaminan pensiun”

Ini bukan cuma soal angka.
Ini soal apakah lo akan hidup tenang… atau terpaksa terus bekerja di usia tua.

Timecode

00:00 Opening
03:42 Topik uang = tegang? Bareng Ligwina jadi fun
07:00 Pensiun: siapin dari awal kerja
11:00 Simulasi dana pensiun 4% rule
14:00 Invest rutin sesuai kemampuan
18:00 Investasi: akumulatif vs generatif
24:10 Saham? Portofolio wajib diurus
27:00 Fundamental vs trading
32:50 Kenapa orang Indonesia jarang nabung/invest?
37:50 Upgrade mindset uang
44:00 Warisan bisa cepat habis
49:00 BPJS cukup buat pensiun?
52:30 Harga emas & global
57:13 Rapid fire questions
59:00 Freelancer bisa nabung dana pensiun
01:01:30 Pensiun sehat

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