{"id":2425,"date":"2023-09-01T21:29:39","date_gmt":"2023-09-01T19:29:39","guid":{"rendered":"https:\/\/fredrikstole.com\/?p=2425"},"modified":"2024-01-09T12:08:57","modified_gmt":"2024-01-09T11:08:57","slug":"003-formue-og-inntekt-for-ulike-aldre-2023","status":"publish","type":"post","link":"https:\/\/fredrikstole.com\/index.php\/2023\/09\/01\/003-formue-og-inntekt-for-ulike-aldre-2023\/","title":{"rendered":"003 &#8211; Formue og inntekt for ulike aldre &#8211; 2023"},"content":{"rendered":"\n<p>Vi alle er vell nyskjerrig p\u00e5 hvordan vi ligger ann i forhold til andre, selv om jeg vil understreke at \u00e5 tjene mer, eie mer og gj\u00f8re mer betyr ikke at man har et bedre liv enn andre.<br><br>Dette innlegget er ment som et falkeblikk som man kan gj\u00f8re egne tanker rundt.<\/p>\n\n\n\n<p>Dette blogginlegget er en skrevet som et uttrag av <a href=\"https:\/\/open.spotify.com\/episode\/3OJUL8qTwbKPO3KvApBQyW?si=3bb261d992384527\">podcastepisode 31 &#8211; Inntekt og formue i Norge<\/a>.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br>Litt om tallene under<\/h2>\n\n\n\n<p class=\"has-small-font-size\"><strong>SSB:<\/strong> Tallene fra SSB, jeg har hentet formuene fra <a rel=\"noreferrer noopener\" href=\"https:\/\/www.godepengevaner.no\/hva-er-normal-formue-etter-alder\/\" target=\"_blank\">denne artikkelen<\/a> og l\u00f8nningene direkte fra <a href=\"https:\/\/www.ssb.no\/statbank\/table\/11421\/\">SSB.no<\/a>.<br>Viktig \u00e5 merke seg at SSB sine formuetall <\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>FIRE &#8211; Unders\u00f8kelsen<\/strong>, viktig \u00e5 meddele at det var sv\u00e6rt f\u00e5 deltagere s\u00e5 dataen m\u00e5 vi ta med en klype salt. 255stk svarte fra gruppen som p\u00e5 den tid var ca 3600 noe som tilsvarer rundt 7%.<br>Det er bare en antagelse fra min side at de som har mest kontroll p\u00e5 tall eller har lyst til \u00e5 dele sine gode tall deltar, s\u00e5 misstenker at de ser bedre ut enn i virkeligheten, men blir spennende \u00e5 sammenligne med neste \u00e5rs unders\u00f8kelse. Noen av alderene var det ogs\u00e5 sv\u00e6rt f\u00e5 deltagere som gj\u00f8r sammenligningen enda d\u00e5rligere ettersom SSB tar nesten hele Norges befolkning.<br><br>\u00d8nsker du \u00e5 se p\u00e5 tallene selv er <a href=\"https:\/\/docs.google.com\/spreadsheets\/d\/1xIr6lmoNn-PRBGJBP7eqllUqj2g7LbNE2IYCVmGcPKs\/copy\">r\u00e5dataen her<\/a>. \u00d8nsker du \u00e5 se det i et<a rel=\"noreferrer noopener\" href=\"https:\/\/docs.google.com\/document\/d\/1jzO29REbLxLl_3mGUKdmxhxh6eJ8WwmgktNyxoJ3EOk\/copy\" target=\"_blank\"> word format er dataen her<\/a>, det er litt stygt s\u00e5 jeg \u00f8nsker \u00e5 lage et innlegg som viser innholdet bedre i fremtiden.<\/p>\n\n\n\n<p class=\"has-small-font-size\">Forskjeller p\u00e5 tallene:<br><strong>Inntekt<\/strong>: SSB tar bare med seg skattbar inntekt, men F.I.R.E. unders\u00f8kelsen ser p\u00e5 total bruttoinntekt, det gjelder da ogs\u00e5 skattefri inntekt.<br><br><strong>Formue:<\/strong> SSB ser p\u00e5 skattbar formue, b\u00e5de i sin brutto og netto, dette gj\u00f8r til at tallene syns ETTER formuesrabatt er inplementert, F.I.R.E.unders\u00f8kelsen ser direkte p\u00e5 nettoformue.<\/p>\n\n\n\n<p class=\"has-small-font-size\"><strong>COAST FIRE <\/strong>tallene er gjort litt enkelt ved \u00e5 bruke en SSR p\u00e5 2,17% som betyr at vi ganger behovet opp med 46. Avkastningen er estimert til nominelt 10% med en 3% inflasjon som medf\u00f8rer en realavkastning p\u00e5 7% hvert \u00e5r.<br>Antar ogs\u00e5 at du selv betaler for evt formueskatt og gebyrer fra inntekten din frem til du skal leve av bel\u00f8pet.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>Alder 0 &#8211; 24<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-1024x683.jpg\" alt=\"\" class=\"wp-image-2439\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-768x512.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-1536x1024.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-monstera-5384621-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-1 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt SSB: 413.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt FIRE: 388.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-2 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Brutto: 270.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Netto: 40.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>FIRE Netto: ca 700.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Dette er &#8220;starten p\u00e5 livet&#8221;, selv om du er tidlig i 20\u00e5ra, her er det fint \u00e5 tenke fremover men tror det st\u00f8rste \u00e5 vinne er \u00e5 bygge en solid karakter. Hvem vil du v\u00e6re som person? Skaff deg selv opplevelser, erfaringer og dermed muligheter i denne fasen av livet ditt. Renters rente er en ufattelig god greie, men du vil mest sansynelig tjene mye mer i fremtiden slik at du kan ta dette igjen. Jeg fradr\u00e5der ikke investering, men ikke neglesjer andre deler av livet ditt for investeringens skyld.<br><br>Det st\u00f8rste du kan vinne p\u00e5 i denne alderen (i min mening) er \u00e5 tilegne seg egenskaper som vils kape st\u00f8rre inntekt i fremtiden men ogs\u00e5 skape vaner, holdninger og rutiner som opprettholder en levestandard du \u00f8nsker \u00e5 ha for en rimelig penge. Klarer du \u00e5 fotsette med dette n\u00e5r du g\u00e5r inn i din &#8220;voksenjobb&#8221; uten \u00e5 skalere forbruket ditt veldig vil du f\u00e5 et enormt sparepoensial uten at det f\u00f8les vanskelig!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/td><td>Investert som 20 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 614.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 1.230.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 1.843.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 2.458.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 3.072.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>Alder 25 &#8211; 34<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-1024x683.jpg\" alt=\"\" class=\"wp-image-2436\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-768x513.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-1536x1025.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-kampus-production-6181092-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-3 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Brutto \u00e5rsinntekt: 583.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Brutto \u00e5rsinntekt FIRE: 694.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-4 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Bruttoformue: 813.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Nettoformue: -306.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>FIRE Nettoformue: ca 1.730.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Denne alderen er hvor det er mest \u00e5 hente, b\u00e5de n\u00e5r det gjelder opplevelser men ogs\u00e5 hvor mye avkastning du kan f\u00e5 p\u00e5 lang sikt. Det er fristende \u00e5 bruke veldig mye penger n\u00e5r man f\u00f8rst f\u00e5r en stor inntekt, men med litt selvdisiplin, gode vaner, spareavtaler og litt langsiktig tenking kan du f\u00e5 tilrettelagt mye av livet ditt i denne fasen.<br><br>T\u00f8rr \u00e5 ta plass, g\u00e5 frem, det er lov \u00e5 fremme seg selv. Jeg bruker selv en regel &#8220;om det ikke p\u00e5virker noen andre negativt, da er det ok \u00e5 gj\u00f8re&#8221;. Ikke tr\u00e5kk p\u00e5 andre for \u00e5 klatre selv opp, men om det st\u00e5r en stige foran deg, hvorfor ikke bruke den?<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert som 30 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 1.695.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 3.390.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 5.085.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 6.780.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 8.475.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>Alder 35 &#8211; 44<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-1024x683.jpg\" alt=\"\" class=\"wp-image-2437\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-768x512.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-1536x1024.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-nataliya-vaitkevich-4452209-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-5 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt SSB: 680.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt FIRE: 808.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-6 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Brutto: 1.200.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Netto: -176.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>FIRE Netto: ca 2.140.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Her har vi bygget opp mye erfaring over en tid i arbeidsmarkedet, sementert oss litt som individer og har muligheter til \u00e5 \u00f8ke inntekten v\u00e5r betraktelig. Dette er nok perioden vi burde finne ut av &#8220;hva vi vil&#8221; om vi ikke har gjort det ag t\u00f8rre \u00e5 dedikere mer tid til det. Enten om det er karri\u00e6ren din, familie eller andre ambisjoner eller interesse. Om interessen ikke omhandler inntekt blir du kanskje preget av hva du gjorde i 20\u00e5rene dine, men det finnes alltid l\u00f8sninger. G\u00e5r du inn i partnerskap eller parrelasjoner, ikke v\u00e6r naiv. Enten dette er romantiske forhold eller business, tro det beste, forbred deg p\u00e5 det v\u00e6rste, skriftlige kontrakter er din beste venn og det gj\u00f8r begge godt at det er tydelig, det er hverken slemt eller ubarmhjertig i seg selv, det er det innholdet som utgj\u00f8r.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert som 40 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 2.377.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 4.755.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 7.132.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 9.510.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 1.887.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>Alder 45 &#8211; 54<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"681\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-1024x681.jpg\" alt=\"\" class=\"wp-image-2440\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-1024x681.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-768x511.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-1536x1022.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-centre-for-ageing-better-7849905-2048x1363.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-7 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt SSB: 734.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt FIRE: 814.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-8 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Brutto: 1.700.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Netto: 1.200.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>FIRE Netto: ca 5.840.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Dette er alderen hvor man burde f\u00e5 oversikt om pensjonen om du ikke har det enda. Med denne kunskapen er det lettere \u00e5 nagivere livsvalg og prioritere. Her begynner alderen \u00e5 n\u00e6rme seg for \u00e5 bli besteforelder om man har valgt \u00e5 f\u00e5 barn, noe som kan v\u00e6re verdt \u00e5 vurdere \u00e5 frigj\u00f8re litt tid til, om du \u00f8nsker \u00e5 v\u00e6re mer tilgjengelig, ellers har du kanskje andre relasjoner, m\u00e5l, ambisjoner eller hobbier som du \u00f8nsker \u00e5 dyrke?<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert som 40 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 4.677.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 9.354.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 14.031.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 18.707.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 23.384.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>Alder 55 &#8211; 66<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-1024x683.jpg\" alt=\"\" class=\"wp-image-2438\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-768x512.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-1536x1024.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-barbara-olsen-7869515-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-9 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt SSB: 734.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:50%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>Inntekt FIRE: 814.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<div class=\"wp-block-columns is-layout-flex wp-container-core-columns-is-layout-10 wp-block-columns-is-layout-flex\">\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Brutto: 1.900.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>SSB Netto: 1.500.000,-<\/strong><\/p>\n<\/div>\n\n\n\n<div class=\"wp-block-column is-layout-flow wp-block-column-is-layout-flow\" style=\"flex-basis:30%\">\n<p class=\"has-text-align-center has-small-font-size\"><strong>FIRE Netto: ca 10.700.000,-<\/strong><\/p>\n<\/div>\n<\/div>\n\n\n\n<p>Dette er alderen hvor gjennomsnittet n\u00e6rmer seg slutten p\u00e5 arbeidslivet og vil ha en fremtid veldig diktert av tidligere valg i livet. Enten om det er pga inntekt og formue som har blitt bygget, men ogs\u00e5 hvilke relasjoner man har skapt og tatt vare p\u00e5.<br>Selv om det er slutten p\u00e5 arbeidslivet betyr det ikke at det er slutten p\u00e5 LIVET, som de tidligere punktene, har du v\u00e6rt flink \u00e5 ta vare p\u00e5 egen helse frem til n\u00e5 s\u00e5 kanskje du bare er halvveis i ditt livsssl\u00f8p? Det er mye tid man eventuelt kan disponere.<br><a href=\"https:\/\/open.spotify.com\/episode\/5VBX6xvg8aAOLIdkcbbAmu?si=ae1dc4d551de489a\">Podcastepisode 34 &#8211; Healthspan<\/a> tar akkurat opp temaet om \u00e5 ta vare p\u00e5 helse slik at du kan ha et lengere liv etter pensjon, samme om du tar den sent eller tidlig, et friskere og lengre liv har vi alle godt av.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert for \u00e5 v\u00e6re F.I.R.E. som 60\u00e5ring<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 9.200.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 18.400.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 27.600.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 36.800.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 46.000.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>En latterlig d\u00e5psgave.<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-1024x683.jpg\" alt=\"\" class=\"wp-image-2433\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-768x512.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-1536x1024.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-prince-photos-803277-2048x1365.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>For morro skyld kan jeg slenge med hva du trenger investere for en person som er 0\u00e5r slik at de kan pensjonere seg n\u00e5r de er 60. Mest for \u00e5 se verdien av tid i markedet \u00e5 se hvor lav summen er sammenlignet med de andre alderene, here you go!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert som 0 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 159.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 318.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 476.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 635.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 793.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center\"><br><strong>En sinsyk konfirmasjonsgave<\/strong><\/h2>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"683\" src=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-1024x683.jpg\" alt=\"\" class=\"wp-image-2434\" srcset=\"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-1024x683.jpg 1024w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-300x200.jpg 300w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-768x513.jpg 768w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-1536x1025.jpg 1536w, https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/08\/pexels-julia-m-cameron-4144144-2048x1367.jpg 2048w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p>\u00d8nsker \u00e5 sikre konfirmanten pensjon ved 60 slenger jeg med disse tallene!<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table><tbody><tr><td><strong>\u00c5rlig forbruk (tilsvarende dagens kj\u00f8pekraft)<\/strong><\/td><td><strong>Investert som 14 \u00e5ring for \u00e5 COAST&#8217;e til 60\u00e5r<\/strong><\/td><\/tr><tr><td>200.000,-<\/td><td>Ca. 409.000,-<\/td><\/tr><tr><td>400.000,-<\/td><td>Ca. 819.000,-<\/td><\/tr><tr><td>600.000,-<\/td><td>Ca. 1.228.000,-<\/td><\/tr><tr><td>800.000,-<\/td><td>Ca. 1.638.000,-<\/td><\/tr><tr><td>1.000.000,-<\/td><td>Ca. 2.047.000,-<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p>H\u00e5per ser p\u00e5 tallene som inspirasjon og g\u00f8y lesestoff, ikke at du sitter der og blir demotivert pga du f\u00f8ler du ligger bak. men heller ser muligheten du har for \u00e5 ta grep \u00e5 begynne n\u00e5! <\/p>\n\n\n\n<p>Har du ikke begynt \u00e5 investere enda er min anbefaling \u00e5 begynne hos <a href=\"https:\/\/www.kron.no\/\">Kron<\/a> med deres <a href=\"https:\/\/www.kron.no\/vare-fond\/kron-indeks-global\">globale indeksfond<\/a>. \u00d8nsker du \u00e5 bruke min <a rel=\"noreferrer noopener\" href=\"https:\/\/kron.no\/app\/invitert\/stole\" target=\"_blank\">vervekode &#8220;STOLE&#8221;<\/a> kan vi ogs\u00e5 f\u00e5 200,- hver, men et hvilken som helst globalt indeksfond med lav kost duger. Lykke til!\ud83d\udd25<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Vi alle er vell nyskjerrig p\u00e5 hvordan vi ligger ann i forhold til andre, selv om jeg vil understreke at \u00e5 tjene mer, eie mer og gj\u00f8re mer betyr ikke at man har et bedre liv enn andre. Dette innlegget er ment som et falkeblikk som man kan gj\u00f8re egne tanker rundt. Dette blogginlegget er &hellip;<\/p>\n<p class=\"read-more\"> <a class=\"\" href=\"https:\/\/fredrikstole.com\/index.php\/2023\/09\/01\/003-formue-og-inntekt-for-ulike-aldre-2023\/\"> <span class=\"screen-reader-text\">003 &#8211; Formue og inntekt for ulike aldre &#8211; 2023<\/span> Read More &raquo;<\/a><\/p>\n","protected":false},"author":1,"featured_media":2442,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[1],"tags":[],"jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280.jpg","uagb_featured_image_src":{"full":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280.jpg",1280,853,false],"thumbnail":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-150x150.jpg",150,150,true],"medium":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-300x200.jpg",300,200,true],"medium_large":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-768x512.jpg",768,512,true],"large":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-1024x682.jpg",1024,682,true],"1536x1536":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280.jpg",1280,853,false],"2048x2048":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280.jpg",1280,853,false],"woocommerce_thumbnail":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-300x300.jpg",300,300,true],"woocommerce_single":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280.jpg",600,400,false],"woocommerce_gallery_thumbnail":["https:\/\/fredrikstole.com\/wp-content\/uploads\/2023\/09\/analysis-1841158_1280-100x100.jpg",100,100,true]},"uagb_author_info":{"display_name":"fredrikstole.com","author_link":"https:\/\/fredrikstole.com\/index.php\/author\/fredrikstole-com\/"},"uagb_comment_info":57,"uagb_excerpt":"Vi alle er vell nyskjerrig p\u00e5 hvordan vi ligger ann i forhold til andre, selv om jeg vil understreke at \u00e5 tjene mer, eie mer og gj\u00f8re mer betyr ikke at man har et bedre liv enn andre. Dette innlegget er ment som et falkeblikk som man kan gj\u00f8re egne tanker rundt. Dette blogginlegget er&hellip;","_links":{"self":[{"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/posts\/2425"}],"collection":[{"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/comments?post=2425"}],"version-history":[{"count":9,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/posts\/2425\/revisions"}],"predecessor-version":[{"id":2447,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/posts\/2425\/revisions\/2447"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/media\/2442"}],"wp:attachment":[{"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/media?parent=2425"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/categories?post=2425"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/fredrikstole.com\/index.php\/wp-json\/wp\/v2\/tags?post=2425"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}