1. 年 歲
備註 幾年後 自己 配偶 一子 二子 三子 自己收入 配偶收入 生活開銷 子女教育費 理財收入 儲蓄額 保險費 貸款 資產總值 負債總值 資產淨值
0 25 $325,000 $0 $10,000 $0 $139,000 $12,000 $0 $0 $30,000 $0 $30,000
1 26 $364,000 $0 $20,000 $0 $250,000 $26,000 $0 $0 $150,000 $0 $150,000
100萬 2 27 $390,000 $0 $15,000 $0 $350,000 $50,000 $0 $0 $1,000,000 $0 $1,000,000
年 歲
備註 幾年後 自己 配偶 一子 二子 三子 自己收入 配偶收入 生活開銷 子女教育費 理財收入 儲蓄額 保險費 貸款 資產總值 負債總值 資產淨值
結婚 3 28 25 $450,000 $360,000 $200,000 $0 $450,000 $800,000 $0 $0 $1,200,000 $0 $1,200,000
買屋 4 29 26 $480,000 $370,000 $250,000 $0 $504,000 $1,000,000 ### $6,500,000 ### $4,900,000
生子 5 30 27 1 $520,000 $380,000 $400,000 $0 $564,480 $980,000 ### $7,800,000 ### $6,355,200
6 31 28 2 $550,000 $400,000 $400,000 $0 $632,218 $1,150,000 $100,000 ### $9,360,000 ### $8,055,346
生子 7 32 29 3 1 $700,000 $400,000 $450,000 $0 $630,054 $1,200,000 $100,000 $900,000 ### ### $10,053,897
8 33 30 4 2 $720,000 $380,000 $450,000 $0 $650,000 $1,000,000 $100,000 $700,000 ### ### $12,414,573
生子 9 34 31 5 3 $800,000 $385,000 $400,000 $60,000 $650,000 $900,000 $120,000 $500,000 ### $960,636 $15,213,444
買車 10 35 32 6 4 $800,000 $385,000 ### $120,000 $769,080 $870,000 $100,000 $300,000 ### $867,454 $17,209,089
換屋 11 36 33 7 5 $805,000 $390,000 $400,000 $100,000 $554,670 $850,000 $100,000 ### ### ### $18,900,000
12 37 34 8 6 $820,000 $390,000 $450,000 $75,000 $555,430 $943,000 $100,000 ### ### ### $19,523,700
13 38 35 9 7 $850,000 $400,000 $468,000 $75,000 $555,430 $760,000 $100,000 ### ### ### $20,136,041
14 39 36 10 8 ### $380,000 $486,720 $10,000 $555,430 $654,300 $180,000 ### ### ### $20,739,108
創業 15 40 37 11 9 $700,000 $140,000 $506,189 $10,500 $555,430 $250,000 $180,000 ### ### ### $21,334,803
16 41 38 12 10 $900,000 $0 $526,436 $11,025 $555,430 $250,000 $180,000 ### ### ### $21,924,862
換車 17 42 39 13 11 $950,000 $0 ### $11,576 $555,430 $250,000 $180,000 ### ### ### $22,510,877
18 43 40 14 12 ### $0 $547,494 $12,155 $555,430 $250,000 $180,000 ### ### ### $23,094,303
19 44 41 15 13 ### $0 $569,394 $12,763 $555,430 $250,000 $180,000 ### ### $928,370 $23,676,477
20 45 42 16 14 ### $0 $592,169 $20,000 $602,340 $300,000 $180,000 ### ### $838,318 $24,258,625
21 46 43 17 15 ### $0 $615,856 $21,000 $602,340 $350,000 $180,000 ### ### $757,002 $24,841,881
22 47 44 18 16 ### $0 $640,490 $80,000 $602,340 $400,000 $180,000 $900,000 ### $683,572 $25,427,288
23 48 45 19 17 ### $0 $666,110 $84,000 $602,340 $300,000 $180,000 $800,000 ### $617,266 $26,015,812
24 49 46 20 18 $650,000 $0 $692,754 $88,200 $602,340 $389,000 $180,000 $700,000 ### $557,391 $26,608,348
25 50 47 21 19 $850,000 $0 $720,464 $120,000 $602,340 $432,000 $180,000 $600,000 ### $503,324 $27,205,730
26 51 48 22 20 $950,000 $0 $749,283 $126,000 $602,340 $500,000 $180,000 $500,000 ### $454,502 $27,808,733
27 52 49 23 21 $875,000 $0 $779,254 $132,300 $602,340 $500,000 $180,000 $400,000 ### $410,415 $28,418,085
28 53 50 24 22 ### $0 $810,425 $138,915 $602,340 $500,000 $180,000 $300,000 ### $370,605 $29,034,465
29 54 51 25 23 ### $0 $842,842 $78,000 $602,340 $500,000 $180,000 $200,000 ### $334,656 $29,658,515
30 55 52 26 24 $893,400 $0 $876,555 $81,900 $602,340 $500,000 $180,000 $100,000 ### $302,194 $30,290,840
31 56 53 27 25 ### $0 $911,617 $85,995 $602,340 $500,000 $180,000 $0 ### $0 $31,204,895
32 57 54 28 26 $865,000 $0 $948,082 $0 $602,340 $500,000 $180,000 $0 ### $0 $31,828,993
33 58 55 29 27 ### $0 $986,005 $0 $602,340 $500,000 $180,000 $0 ### $0 $32,465,573
34 59 56 30 28 ### $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $33,114,885
35 60 57 31 29 $750,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $33,777,182
36 61 58 32 30 $857,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $34,452,726
37 62 59 33 31 $889,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $35,141,780

2. 38 6360 34 32 $964,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $35,844,616
39 6461 35 33 $734,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $36,561,508
退休 40 6562 36 34 $800,000 $0 ### $0 $602,340 $500,000 $180,000 $0 ### $0 $37,292,738
年 歲
備註 幾年後 自己 配偶 一子 二子 三子 自己收入 配偶收入 生活開銷 保險還本 理財收入 儲蓄額 保險費 貸款 資產總值 負債總值 資產淨值
41 66 63 37 35 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,342,738
42 67 64 38 36 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,392,738
43 68 65 39 37 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,442,738
44 69 66 40 38 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,492,738
45 70 67 41 39 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,542,738
46 71 68 42 40 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,592,738
47 72 69 43 41 $0 $0 $240,000 $1,000,000 $350,000 $800,000 $8,000 $0 ### $0 $37,642,738
48 73 70 44 42 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,692,738
49 74 71 45 43 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,742,738
50 75 72 46 44 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,792,738
51 76 73 47 45 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,842,738
52 77 74 48 46 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,892,738
53 78 75 49 47 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,942,738
54 79 76 50 48 $0 $0 $240,000 $80,000 $350,000 $800,000 $8,000 $0 ### $0 $37,992,738
55 80 77 51 49 $0 $0 $240,000 $0 $350,000 $800,000 $8,000 $0 ### $0 $38,042,738
56 81 78 52 50 $0 $0 $240,000 $0 $350,000 $800,000 $8,000 $0 ### $0 $38,092,738
57 82 79 53 51 $0 $0 $240,000 $0 $350,000 $800,000 $0 $0 ### $0 $38,142,738
58 83 80 54 52 $0 $0 $240,000 $0 $350,000 $800,000 $0 $0 ### $0 $38,192,738
59 84 81 55 53 $0 $0 $240,000 $0 $350,000 $800,000 $0 $0 ### $0 $38,242,738
60 85 82 56 54 $0 $0 $240,000 $0 $350,000 $800,000 $0 $0 ### $0 $38,292,738

3. 人生的起伏
$1,000,000
Column
$750,000
Column
金額
Column
$500,000
Column
$250,000 Column
Column
$0 Column
25 26 27
年歲

4. Column I
Column M
Column K
Column N
Column R
Column Q
Column S
27

5. 壯年期的人生曲線
$2,000,000
$1,750,000
$1,500,000 自己收
$1,250,000 配偶收
金額
生活開
$1,000,000
子女教
$750,000
理財收
$500,000 儲蓄額
$250,000 保險費
$0 貸款
RRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRRR
o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o o
wwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwwww
歲
年
壯年期的資產
$40,000,000
$35,000,000
$30,000,000
$25,000,000
$20,000,000
$15,000,000
$10,000,000
$5,000,000
$0
Row 8 資產淨值
Row 12 Row 16 Row 20
Row 24 Row 28
Row 32 Row 36
Row 40 Row 43 Row 46 負債總值 金
歲
年

6. 自己收入
配偶收入
生活開銷
子女教育費
理財收入
儲蓄額
保險費
貸款
RRRRRRRR
o o o o o o o o
wwwwwwww
資產淨值
Row 46 負債總值 金額

7. 老年期的人生曲線
$1,000,000
$900,000
$800,000 自己
$700,000
配偶
$600,000
金額
生活
$500,000
保險
$400,000
$300,000 理財
$200,000 儲蓄
$100,000 保險
$0 貸款
Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro Ro
w w w w w w w w w w w w w w w w w w w w w
48 49 50 51 52 53 54 55 56 57 58 59 60 61 62 63 64 65 66 67 68
年歲
老年期的資產
$40,000,000
$35,000,000
$30,000,000
$25,000,000
$20,000,000
$15,000,000
$10,000,000
$5,000,000
$0
Row 48 資產淨值
Row 51 Row 53 Row 55
Row 57 Row 59
Row 61 Row 63 Row 65
Row 67 負債總值 金
年歲

8. 自己收入
配偶收入
生活開銷
保險還本
理財收入
儲蓄額
保險費
貸款
Ro Ro Ro Ro Ro
w w w w w
64 65 66 67 68
資產淨值
67 負債總值 金額