因工作关系,笔者多次赴日,其间结识了一些日本老年人。交往中笔者发现,日本老年人有其独特的“三分法”理财方式,甚为科学实用。冈田是一所大学的退休教授,月退休金是80万日元(约合人民币6.25万元),扣除每月房贷5万日元,生活资金有75万日元(约合人民币5.86万元),这在日本,是偏中等家庭生活的标准。但是,冈田的家庭生活 Due to the working relationship, I repeatedly went to Japan, during which I met some Japanese seniors. During the communication, the author found that the elderly in Japan have their unique “three-point method” financial management, which is very scientific and practical. Okada is a retired professor of a university, the monthly pension is 80 million yen (about 62,500 yuan), deducting monthly mortgage of 50,000 yen, living capital of 750,000 yen (about 58,600 yuan ), Which in Japan is the standard for moderate home life. However, Okada’s family life