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TRIBUNBATAM.id - The sandwich generation phenomenon is like an endless cycle. The lack of financial knowledge is one of the main triggers of someone that being trapped in this condition. Until finally, many things must be sacrificed, not only financially but also emotionally.
Many efforts must be made so that the sandwich generation trap can be separated in the next generation.
Financial planner from Zelts Consulting, Ahmad Ghozali said, someone needs to set a target 'sandwich generation must stop in here'.
"So that our children's generation does not experience it, then we must be able to be independent in the old age, so that our children only bear the next generation, not the generation above it. Then we must have the adequate pension funds," he said when contacted by Kompas.com
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Here are some tips for regardless of the generation of sandwiches according to him:
1. Prepare a pension fund as early as possible
Ahmad said that the financial plan towards prosperity must be started early.
The same thing was done by Erdita (23yo), who had to bear the financial burden of her parents and her younger siblings. She also routinely saves part of her income to prepare the pension funds so that one day she will not become a burden to her children.
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Unlike Erdita, Riza Adrian (24yo) has not made the pension savings as his priority. But he stressed, that he didn't want to be a burden for his children in the old age later.
2. Get passive income
Ahmad explained, besides preparing a pension fund, we need to prepare for retirement by having the passive income. The alternative is to start a business that can be run by the system, so that it can continue to provide the income in retirement.
"It can also rely on leased the assets such as a boarding houses, apartments, shop houses, and others," he said.
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This means that, from now on, the focus of investment is on the purchase of rental property assets.
Or it could also rely on financial investment, so that income at retirement can be taken from the yield.
How is it? Are you ready to retire and escape from the sandwich generation? (*)
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