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新加坡近一半受访者认为永远无法实现财务自由_我的网站

A |     在新加坡，财务自由对于许多人来说仍然是一个遥不可及的目标。    The ouster of Sri Lankan President Gotabaya Rajapaksa has roused substantial global media attention, particularly in light of the colorful images coming out of the country of protesters storming his opulent Colombo residence and turning it into a tourist attraction, posing for selfies, and organizing pool parties and cookouts.,But the chaos in Colombo isn’t the first time in the last decade or so that a head of state has been ousted from office in a time of crisis and forced to flee, with the last dozen years witnessing at least five comparable cases.,Ashraf Ghani’s Bags of Money,Last August, a ten-day blitzkrieg offensive by the Taliban* to capture cities in the midst of the NATO withdrawal culminated in the fall of Kabul and the collapse of the Afghan government. President Ashraf Ghani, the US-educated academic-turned president, fled the country he ruled at the West’s behest for seven years.,Ghani evacuated Kabul on August 15, the same day that Taliban fighters entered the city, and eventually ended up in the United Arab Emirates, where he took refuge. Ghani apologized to his countrymen and women for bolting, saying that leaving the capital “was the most difficult decision” of his life and that he took it to avoid a repeat of the bloody street fighting witnessed in the city between government and Taliban forces in the 1990s. In addition, he said, his security team had advised him not to stay due to the risk of assassination or capture.,The Russian Embassy in Kabul painted a different story, alleging that Ghani fled the city in a convoy of vehicles stuffed with so much cash that it could not fit in a helicopter which took him out of the country. UK media later alleged that Ghani may have sought to smuggle as much as $169 million in cash out of Kabul, with a former bodyguard later confirming that the ex-president’s entourage was carrying “many big bags” containing “hundreds of millions, perhaps billions of dollars.”,Ghani has categorically rejected the allegations against him, and has said that he would welcome an international investigation to clear his good name.,AfghanistanEx-Afghan President Ghani Says He Was Made 'Scapegoat' for Fleeing, Blames Trump - Report 31 December 2021, 03:27 GMT,Evo Morales’ Happy Ending,On November 10, 2019, Bolivia’s long-serving democratic socialist president Evo Morales was forced to step down after weeks of protests sparked by an election whose results were disputed by the country’s US-backed opposition. Characterizing the crisis as a “coup” and fearing he would be killed by assassins hired out by his enemies, Morales fled to Mexico, where he was granted asylum by President Andres Manuel Lopez Obrador.,The Trump administration hailed Morales’ ouster, with the US president tweeting that the unrest sent “a strong signal to the illegitimate regimes in Venezuela and Nicaragua that democracy and the will of the people will always prevail.”,But the anti-Morales’ plot’s victory was short-lived. Immediately after touching down in Mexico, Morales vowed that he’d remain in politics, and that his “fight” against “discrimination and humiliation” would continue.,In late 2019, after the election victory of leftist forces in Argentina, Morales traveled to that country, where he was granted asylum. In November 2020, after new elections in his home country saw the victory of Luis Arce, his former finance minister, Morales triumphantly returned to Bolivia. Today, although he is not president, Morales remains a major force in Bolivian politics, consistently attacking “Yankee imperialism” and recently calling on Bolivia and Argentina to join forces to become a global lithium-producing superpower.,The fate of his adversaries has not been so bright, with Jeanine Anez, the right wing politician who took over after Morales’ ouster, recently sentenced to ten years in prison for her role in the 2019 coup.,© Photo : Twitter / @evoespuebloFormer Bolivian President Evo Morales during his triumphant return to his home country in November 2020.Former Bolivian President Evo Morales during his triumphant return to his home country in November 2020.© Photo : Twitter / @evoespueblo,Yemen’s Hadi,In 2012, Yemeni politician Abdrabbuh Mansur Hadi seemed to have the world at his feet. Succeeding President Ali Abdullah Saleh, whom he faithfully served as vice president starting in 1994, Hadi won the February 2012 presidential elections with an impressive 100 percent of the vote, running as the sole candidate. He proceeded to initiate a US- and Saudi-supported reform program aimed at transforming Yemen into a federal model of government under which six regions would enjoy large-scale political autonomy. Hadi also supported ramping up cooperation with Washington to fight piracy in the Gulf of Aden, and al-Qaeda** cells attempting to set up shop in Yemen’s sparsely populated northeastern territories.,Hadi’s reforms, allegations of corruption, and the ill-fated decision to end fuel subsidies in 2014 proved fatal, and between late 2014 and early 2015, much of the country was overrun by the Houthis, an Islamist, social justice-oriented political and militant movement dominant in the country’s populous western provinces. In January 2015, Hadi left his presidential palace in Sana’a for the last time, and, without resigning, flew to Saudi Arabia.,© AP Photo / Hani MohammedShiite Houthi tribesmen hold their weapons as they chant slogans during a tribal gathering showing support for the Houthi movement, in Sanaa, Yemen, Saturday Sept. 21, 2019Shiite Houthi tribesmen hold their weapons as they chant slogans during a tribal gathering showing support for the Houthi movement, in Sanaa, Yemen, Saturday Sept. 21, 2019© AP Photo / Hani Mohammed,Two months later, in March 2015, a Saudi-led military coalition began a military operation in Yemen aimed at restoring Hadi to power. Seven years on, the coalition has made little progress, and the impoverished southern Arabian nation remains mired in a deep political, military, economic and humanitarian crisis. Meanwhile, the Houthis have counterattacked by launching drone and missile strikes targeting Saudi infrastructure, military bases, airports, oil facilities, missile defense systems and cities, with no amount of sophisticated US-made air defense hardware seeming sufficient to stop the attacks.,As for Hadi, the exiled president resigned from the post in April, transferring power to an eight-member ‘presidential leadership council’ tasked with negotiating a permanent ceasefire with the Houthis.,Saudi Arabia ‘Pushed’ Yemen’s Hadi to Resign, Placed Him on House Arrest - WSJ17 April, 22:22 GMT,Ukraine’s Yanukovych,Of all the ejections from office featured in this list so far, perhaps none have been more consequential to the geopolitical instability being experienced by the world today than that of Ukrainian President Viktor Yanukovych.,Yanukovych handcrafted the crisis which would culminate in his ouster in the winter of 2013 by pulling a major political U-turn and rejecting an association agreement with the European Union in favor of closer ties with the Russian-led Eurasian Economic Union. The decision prompted pro-EU protesters to flood the center of Kiev, with demonstrators establishing tent encampments and occupying the heart of the city – the Maidan Nezalezhnosti (lit. ‘Independence Square’).,Protests continued for weeks, with Yanukovych making concessions under EU pressure, accepting the resignation of the government of Prime Minister Nikolai Azarov in late January, and negotiating with an increasingly emboldened opposition to try to resolve the crisis.,On February 20, protests turned bloody, with 49 demonstrators and four police officers killed by mysterious snipers in a single day. On February 22, just a day after reaching an EU-backed agreement on the settling the crisis through early elections, Yanukovych fled Kiev in fear for his life, traveling east and slipping across the border into Russia, where he was offered refuge. Pro-European forces in Ukraine’s parliament drafted a resolution to strip Yanukovych of power, claiming he had “withdrawn from his duties in an unconstitutional manner.” From Russia, Yanukovych blasted the new authorities, and characterized his ouster as a coup d’état.,Kiev, Washington Responsible for Failure of Minsk Peace Agreements, Ukraine's Former President Says14 March, 15:17 GMT,Tunisia’s Ben Ali,On January 14, 2011, President Zine El Abidine Ben Ali’s 24-year reign as Tunisian leader came to an end, with the president and his family fleeing the country to Saudi Arabia after weeks of protests which would hail the start of the so-called ‘Arab Spring’. The ‘Tunisian Revolution’ was driven by long-standing grievances among Tunisians about corruption, high unemployment, inflation, and general poor living conditions, as well as limitations on freedom of speech. The protests were sparked by 26-year-old street vendor Mohamed Bouazizi, who set himself on fire in the street after police confiscated his wares when he failed to pay a bribe, and after his plea for help from the local governor was left unanswered. The young man's act, which would cause over 100 copycat immolation attempts, would spark a month of protests which culminated in Ben Ali’s ouster.,After his ejection, the Tunisian president would live to a ripe old age of 83, passing away in Jeddah, Saudi Arabia in September 2019. But the unrest which his removal sparked would end up transforming much of the Middle East and engulfing some of its countries in crisis which continue to reverberate to this day. In 2011, major protests rocked Algeria and Yemen, and led to the overthrow of the government of Hosni Mubarak in Egypt. In Libya, NATO lent a ‘helping hand’ to anti-government rebels by launching a campaign of airstrikes against forces loyal to Muammar Gaddafi, culminating in his ouster and televised murder, and turning Libya into a failed state. The contagion of the Arab Spring also spread to Syria, which was turned into a breeding ground for jihadist militants who flocked to the country from the region and across the globe to take part in the unsuccessful US, Turkish, Saudi and Qatari-backed campaign to try to oust the government of Bashar Assad.,Ousted Tunisian President Ben Ali Buried in Saudi Arabia - Reports21 September 2019, 17:53 GMT,* An organization subject to United Nations sanctions for terrorist activities.,** A terrorist group outlawed in Russia and many other countries.。尽管部分人已经实现了经济独立，但近一半的受访者认为，他们永远无法在当前的经济环境下达到财务自由。这一现象揭示了社会中日益加剧的经济压力与挑战。1. 财务自由的挑战：四成新加坡人感到遥不可及根据综合保险公司 Singlife 第二次金融自由指数调查，44% 的新加坡人认为他们永远无法实现财务自由。

B | 主要原因包括收入不足、健康状况的不确定性，以及工作不稳定。这些因素共同增加了新加坡人在实现财务独立道路上的压力。

C | 受访者表示，他们对通货膨胀、退休储蓄不足以及医疗费用的担忧最为严重。这些经济压力使得他们难以规划长远的财务目标，从而进一步加剧了实现财务自由的难度。

D | 尤其是面对日益增长的生活成本，新加坡人对未来的经济前景感到担忧。

E | 这种不确定性导致许多人选择更为保守的财务策略，以应对不可预见的经济挑战。来源：straitstimes2. 生育与财务自由：子女养育成本的沉重负担调查显示，44% 的新加坡人认为生孩子会减缓他们实现财务自由的速度。受访者估计，抚养孩子到 21 岁的成本将超过 50 万新元，这一巨大开销使得许多人推迟或放弃生育计划。这种担忧在55岁至64岁、拥有年幼子女的高收入家庭中尤为明显。随着生活成本的增加，养育孩子的经济压力使得许多人感到不堪重负，进一步拖慢了他们实现财务自由的步伐。

F | 尽管如此，仍有部分受访者认为生育不会显著影响他们的财务状况。他们通常对自己的财务规划更有信心，并采取了积极的措施来应对未来的经济挑战。来源：straitstimes3. 财务规划与自由的路径：知易行难调查还发现，55% 的新加坡人表示他们知道如何实现财务自由。然而，剩下的 45% 仍然不确定，尤其是35至44岁之间的中年人和家庭月收入较低的女性。

G | 为了达到财务自由，受访者认为他们需要大约 612,000 新元的现金储备。

H | 这一目标比2023年增加了8%，反映了人们对未来经济不确定性的担忧。即便如此，五分之四的受访者仍计划在 65 岁时退休，尽管他们面临着如何筹集足够资金的挑战。

I | 此外，越来越多的新加坡人考虑在海外退休，以降低生活成本并享受更慢的生活节奏。马来西亚、澳大利亚和泰国等地成为了他们的首选退休目的地。来源：8world新加坡人对于实现财务自由的信心有所下降，反映了当前经济环境下的种种挑战。面对上升的生活成本和不确定的经济前景，唯有制定并执行有效的财务策略，才能实现真正的财务自由。参考资料：1. Close to half of Singapore residents say they will never achieve financial freedom: Poll，海峡时报。

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