Deep Dive
Why did the mother decide to sell her old house in 2024?
The mother sold her old house in April 2024 due to the declining real estate market. She initially listed it for 100万 but had to reduce the price multiple times, eventually selling it for 77万 after negotiations.
What did the mother do with the proceeds from selling her house?
Instead of using the proceeds to pay off a loan, the mother invested the money in the stock market, buying shares in companies like茅台 and可转债, resulting in some modest gains.
Why did the mother register a company in 2024?
The mother registered a company in November 2024 to facilitate operations for her son's podcast business, making it easier for advertising and financial transactions.
What are the mother's views on retirement and age classifications?
The mother believes that age classifications for seniors should be more nuanced, arguing that people in their 50s shouldn't be labeled as elderly. She feels physically and mentally strong and doesn't consider herself old.
How does the mother manage her finances and lifestyle post-retirement?
The mother focuses on smoothing her lifestyle rather than strict budgeting or saving. She maintains a consistent routine, ensuring her health and well-being without overspending.
What challenges did the mother face with her rental property?
The mother's rental property saw declining rents due to the poor real estate market, dropping from 1300元 to 1050元. However, the租售比 remains acceptable, making it still a viable investment.
What is the mother's perspective on her son's lifestyle and work habits?
The mother feels her son is overly focused on work and neglects his personal life. She suggests he should balance his professional and personal life better, emphasizing the importance of family and relaxation.
What are the mother's financial goals for 2025?
The mother hopes for a better performance in the stock market and an increase in her retirement salary, which is currently just shy of 3000元. She also aims to manage her investments more prudently.
How has the mother's retirement life been influenced by her past career?
The mother's retirement life has been shaped by her past career in real estate, which provided her with financial stability. However, she acknowledges that the房地产红利周期 has largely passed, affecting her current financial outlook.
What are the mother's thoughts on the current tax policies for small businesses?
The mother finds the current tax policies for small businesses very friendly, with significant reductions in印花税 and所得税. She appreciates the government's efforts to encourage entrepreneurship and self-employment.
- 2024年卖房，最终成交价低于预期，资金投入股市获得小幅盈利
- 注册公司，选择有限责任公司形式，学习使用新办公工具，例如：豆包、腾讯文档等
Shownotes Transcript
🎤本期嘉宾：
俺妈
⏯️本期简介：
本台每年初的例行节目，邀请俺妈来录一期播客，唠唠她这一年的生活、养老和理财情况。
她的 title 还包括：听友们的大姨、我司运营总监（1 号苦力）、我的心理咨询师...
欢迎大家收听本期节目。
🎯时间轴：
00:16来吧！展示下粤语学习成果
04:552024 年的大事之赔钱卖房
09:20卖房款没提前还贷，投到股市里了
10:51大环境不好，房租一直在降，但租售比还行
15:11老妈的激情投资历史，胆儿老肥了！
17:552024 年的大事之注册公司，唠唠这里面的门道
24:50给儿子当苦力，学习了一些时髦的新工具
28:32我们应该对老年人的阶段划分更细致一些，50 多岁真的不算老年人！
30:39老妈的人生第二春：从身边的男的都远离了开始
33:31退休工资，还差 2 块钱突破 3000 元，期待 2025 年能支棱一下子吧！再唠唠记账。
37:13不是记账，也不是省钱，重点是平滑好生活方式。
38:47今年给我姥爷养老的感受和有惊无险
46:07如果我 65 岁退休，老妈已经 90 岁了
49:10爹味儿地给老妈两个建议
56:10老妈听「面基」的感受
57:34我是妈宝男吗？
1:00:18问老妈：你怎么看待我的生活？
1:03:07新年愿望，嘎嘎有情怀
1:04:09被房地产周期影响的命运
1:08:38现在办企业，税收太友好了
📁本期内容相关资料：
本节目由「祝你这个冬天不感冒」的「力度伸」赞助播出，也欢迎收听「对这个不感冒」企划)的更多内容。
上美团买药搜索力度伸或点击链接)即可购买，希望大家这个冬天都能健健康康不感冒。
🎬**后期制作、声音设计：**Dong
📣 欢迎关注@老钱日日谈) ，如果播客没听够，可以来公众号找我玩，这边的更新频率会高一些。
也欢迎大家来🪐知识星球)找我玩，这里是我自己学习的输入笔记，也是听友群。
