WEBVTT

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Pfff...

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ik

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word

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hier

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zo

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moe

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van.

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Wat

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is

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er?

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Je

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zit

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wel

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heel

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diep

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te

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zuchten.

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Ik

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probeer

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mijn

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administratie

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te

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doen.

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Ik

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kreeg

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een

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brief

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over

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mijn

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pensioen

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en

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nu

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ben

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ik

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al

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een

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uur

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cijfers

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aan

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het

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bekijken.

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Ik

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snap

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er

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niks

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van.

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Ah,

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het

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jaarlijkse

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pensioenoverzicht.

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Altijd

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een

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feest.

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Wat

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snap

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je

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er

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precies

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niet

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aan

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dan?

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Nou,

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al

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die

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termen.

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Bruto,

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netto...

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Ik

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zie

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wat

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ik

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verdien,

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mijn

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bruto

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salaris,

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maar

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dan

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gaat

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er

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zóveel

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af.

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De

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inhoudingen

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zijn

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echt

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enorm.

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Ja,

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dat

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is

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altijd

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even

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schrikken.

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Maar

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een

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deel

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daarvan

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is

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dus

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voor

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je

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pensioen.

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Dat

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is

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geld

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dat

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je

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later

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terugkrijgt.

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Ja,

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dat

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weet

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ik,

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maar

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'later'

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voelt

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zo

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ver

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weg.

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Ik

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ben

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nu

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aan

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het

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denken...

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als

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ik

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tien

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jaar

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geleden

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was

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begonnen

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met

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extra

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sparen,

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dan

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zou

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ik

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nu

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al

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een

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mooi

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bedrag

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hebben

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gehad.

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Zeker.

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Als

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ik

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toen

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had

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geweten

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wat

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ik

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nu

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weet,

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zou

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ik

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mijn

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geld

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misschien

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anders

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hebben

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geïnvesteerd.

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Precies!

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Dan

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zou

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ik

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niet

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elke

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maand

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dat

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dure

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koffietentje

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hebben

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gesponsord.

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Dan

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had

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ik

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dat

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geld

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opzijgezet.

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Ach,

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je

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moet

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ook

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een

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beetje

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leven,

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toch?

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Maar

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ik

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snap

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wat

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je

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bedoelt.

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Het

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is

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wel

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de

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Nederlandse

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mentaliteit

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hè,

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dat

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sparen.

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Altijd

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een

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appeltje

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voor

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de

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dorst.

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Ja,

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echt

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hè.

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Mijn

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oma

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zei

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dat

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ook

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altijd.

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Maar

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ik

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ben

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er

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niet

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zo

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goed

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in.

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Ik

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zie

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'leuk'

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en

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ik

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denk

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'kopen'.

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Haha,

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herkenbaar.

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Maar

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je

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bouwt

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toch

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pensioen

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op

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via

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je

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werk?

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Dat

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is

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al

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een

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hele

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belangrijke

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voorziening.

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Ja,

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gelukkig

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wel.

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Maar

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is

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dat

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genoeg?

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Ik

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heb

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ook

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nog

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een

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paar

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verzekeringen

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lopen,

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maar

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ik

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heb

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geen

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idee

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of

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ik

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goed

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verzekerd

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ben

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voor

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later.

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Welke

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heb

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je

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dan?

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Een

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aansprakelijkheidsverzekering

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en

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een

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inboedelverzekering

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heb

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je

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waarschijnlijk

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wel,

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toch?

00:01:59.517 --> 00:01:59.787
Ja,

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die

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standaard

00:02:00.520 --> 00:02:00.886
dingen

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wel.

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Maar

00:02:01.666 --> 00:02:02.365
verder...

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niks.

00:02:02.995 --> 00:02:03.525
Misschien

00:02:03.525 --> 00:02:03.684
moet

00:02:03.684 --> 00:02:03.914
ik

00:02:03.914 --> 00:02:04.079
dat

00:02:04.079 --> 00:02:04.244
eens

00:02:04.244 --> 00:02:04.544
beter

00:02:04.544 --> 00:02:05.153
regelen.

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Als

00:02:05.413 --> 00:02:05.423
ik

00:02:05.423 --> 00:02:05.583
een

00:02:05.583 --> 00:02:05.963
ongeluk

00:02:05.963 --> 00:02:06.153
zou

00:02:06.153 --> 00:02:06.503
krijgen

00:02:06.503 --> 00:02:06.613
en

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niet

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meer

00:02:07.052 --> 00:02:07.212
zou

00:02:07.212 --> 00:02:07.632
kunnen

00:02:07.632 --> 00:02:07.882
werken,

00:02:07.882 --> 00:02:08.471
wat

00:02:08.471 --> 00:02:08.711
dan?

00:02:08.711 --> 00:02:08.981
Dan

00:02:08.981 --> 00:02:09.111
zou

00:02:09.111 --> 00:02:09.241
je

00:02:09.241 --> 00:02:09.710
inkomen

00:02:09.710 --> 00:02:10.250
compleet

00:02:10.250 --> 00:02:11.109
wegvallen.

00:02:11.109 --> 00:02:11.789
Precies!

00:02:11.789 --> 00:02:12.029
Dat

00:02:12.029 --> 00:02:12.479
bedoel

00:02:12.479 --> 00:02:12.908
ik.

00:02:12.908 --> 00:02:13.178
Nou

00:02:13.178 --> 00:02:13.338
ja,

00:02:13.338 --> 00:02:13.478
daar

00:02:13.478 --> 00:02:13.838
zijn

00:02:13.838 --> 00:02:14.028
ook

00:02:14.028 --> 00:02:14.277
weer

00:02:14.277 --> 00:02:15.087
verzekeringen

00:02:15.087 --> 00:02:15.706
voor.

00:02:15.706 --> 00:02:15.826
En

00:02:15.826 --> 00:02:15.846
in

00:02:15.846 --> 00:02:16.256
Nederland

00:02:16.256 --> 00:02:16.586
heb

00:02:16.586 --> 00:02:16.706
je

00:02:16.706 --> 00:02:17.195
gelukkig

00:02:17.195 --> 00:02:17.385
ook

00:02:17.385 --> 00:02:17.695
recht

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op

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een

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uitkering

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in

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zo'n

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geval.

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Het

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sociale

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vangnet

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is

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hier

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best

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goed.

00:02:21.662 --> 00:02:21.852
Oh

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wacht,

00:02:22.232 --> 00:02:22.422
dat

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is

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waar.

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Dat

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is

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een

00:02:23.631 --> 00:02:23.981
goed

00:02:23.981 --> 00:02:24.501
punt.

00:02:24.501 --> 00:02:24.770
Ik

00:02:24.770 --> 00:02:24.880
zie

00:02:24.880 --> 00:02:25.070
het

00:02:25.070 --> 00:02:25.620
altijd

00:02:25.620 --> 00:02:25.720
zo

00:02:25.720 --> 00:02:26.579
negatief.

00:02:26.579 --> 00:02:26.849
Maar

00:02:26.849 --> 00:02:26.889
we

00:02:26.889 --> 00:02:27.149
hebben

00:02:27.149 --> 00:02:27.369
het

00:02:27.369 --> 00:02:27.578
hier

00:02:27.578 --> 00:02:28.058
eigenlijk

00:02:28.058 --> 00:02:28.268
best

00:02:28.268 --> 00:02:28.478
goed

00:02:28.478 --> 00:02:29.137
geregeld.

00:02:29.137 --> 00:02:29.707
Eigenlijk

00:02:29.707 --> 00:02:30.137
wel.

00:02:30.137 --> 00:02:30.407
We

00:02:30.407 --> 00:02:30.666
betalen

00:02:30.666 --> 00:02:30.826
veel

00:02:30.826 --> 00:02:31.576
belasting,

00:02:31.576 --> 00:02:31.786
maar

00:02:31.786 --> 00:02:31.906
we

00:02:31.906 --> 00:02:32.315
krijgen

00:02:32.315 --> 00:02:32.435
er

00:02:32.435 --> 00:02:32.615
ook

00:02:32.615 --> 00:02:32.835
veel

00:02:32.835 --> 00:02:33.385
voor

00:02:33.385 --> 00:02:33.614
terug.

00:02:33.614 --> 00:02:34.024
Denk

00:02:34.024 --> 00:02:34.184
aan

00:02:34.184 --> 00:02:34.544
de

00:02:34.544 --> 00:02:35.093
AOW,

00:02:35.093 --> 00:02:35.213
de

00:02:35.213 --> 00:02:36.093
basisuitkering

00:02:36.093 --> 00:02:36.313
voor

00:02:36.313 --> 00:02:36.333
je

00:02:36.333 --> 00:02:36.952
pensioen

00:02:36.952 --> 00:02:37.112
van

00:02:37.112 --> 00:02:37.232
de

00:02:37.232 --> 00:02:37.971
overheid.

00:02:37.971 --> 00:02:38.531
Ja,

00:02:38.531 --> 00:02:38.891
de

00:02:38.891 --> 00:02:39.690
AOW.

00:02:39.690 --> 00:02:39.960
Daar

00:02:39.960 --> 00:02:40.090
had

00:02:40.090 --> 00:02:40.200
ik

00:02:40.200 --> 00:02:40.350
nog

00:02:40.350 --> 00:02:40.610
niet

00:02:40.610 --> 00:02:40.870
eens

00:02:40.870 --> 00:02:41.029
aan

00:02:41.029 --> 00:02:41.609
gedacht.

00:02:41.609 --> 00:02:41.769
Ik

00:02:41.769 --> 00:02:41.989
dacht

00:02:41.989 --> 00:02:42.179
alleen

00:02:42.179 --> 00:02:42.518
aan

00:02:42.518 --> 00:02:42.668
wat

00:02:42.668 --> 00:02:42.788
ik

00:02:42.788 --> 00:02:42.998
zelf

00:02:42.998 --> 00:02:43.218
moet

00:02:43.218 --> 00:02:43.987
sparen.

00:02:43.987 --> 00:02:44.037
Dat

00:02:44.037 --> 00:02:44.277
komt

00:02:44.277 --> 00:02:44.387
er

00:02:44.387 --> 00:02:44.997
allemaal

00:02:44.997 --> 00:02:45.217
nog

00:02:45.217 --> 00:02:45.606
bij.

00:02:45.606 --> 00:02:45.806
Dus

00:02:45.806 --> 00:02:46.006
die

00:02:46.006 --> 00:02:46.406
paniek

00:02:46.406 --> 00:02:46.466
is

00:02:46.466 --> 00:02:47.095
niet

00:02:47.095 --> 00:02:47.205
direct

00:02:47.205 --> 00:02:47.765
nodig.

00:02:47.765 --> 00:02:48.035
Maar

00:02:48.035 --> 00:02:48.135
het

00:02:48.135 --> 00:02:48.235
is

00:02:48.235 --> 00:02:48.335
wel

00:02:48.335 --> 00:02:48.944
verstandig

00:02:48.944 --> 00:02:49.014
om

00:02:49.014 --> 00:02:49.114
je

00:02:49.114 --> 00:02:49.684
financiële

00:02:49.684 --> 00:02:50.083
toekomst

00:02:50.083 --> 00:02:50.243
een

00:02:50.243 --> 00:02:50.473
beetje

00:02:50.473 --> 00:02:50.623
te

00:02:50.623 --> 00:02:51.323
plannen.

00:02:51.323 --> 00:02:51.582
Je

00:02:51.582 --> 00:02:51.882
klinkt

00:02:51.882 --> 00:02:52.012
nu

00:02:52.012 --> 00:02:52.242
net

00:02:52.242 --> 00:02:52.502
als

00:02:52.502 --> 00:02:52.722
mijn

00:02:52.722 --> 00:02:53.321
vader.

00:02:53.321 --> 00:02:53.641
Maar

00:02:53.641 --> 00:02:53.801
je

00:02:53.801 --> 00:02:53.991
hebt

00:02:53.991 --> 00:02:54.840
gelijk.

00:02:54.840 --> 00:02:55.100
Als

00:02:55.100 --> 00:02:55.110
ik

00:02:55.110 --> 00:02:55.270
dit

00:02:55.270 --> 00:02:55.640
gesprek

00:02:55.640 --> 00:02:55.859
niet

00:02:55.859 --> 00:02:56.019
met

00:02:56.019 --> 00:02:56.179
jou

00:02:56.179 --> 00:02:56.339
had

00:02:56.339 --> 00:02:56.799
gehad,

00:02:56.799 --> 00:02:56.979
zou

00:02:56.979 --> 00:02:57.099
ik

00:02:57.099 --> 00:02:57.318
die

00:02:57.318 --> 00:02:57.588
brief

00:02:57.588 --> 00:02:58.088
waarschijnlijk

00:02:58.088 --> 00:02:58.153
in

00:02:58.153 --> 00:02:58.218
een

00:02:58.218 --> 00:02:58.348
la

00:02:58.348 --> 00:02:58.718
hebben

00:02:58.718 --> 00:02:59.397
gegooid.

00:02:59.397 --> 00:02:59.667
Dat

00:02:59.667 --> 00:02:59.817
zou

00:02:59.817 --> 00:03:00.067
zonde

00:03:00.067 --> 00:03:00.446
zijn

00:03:00.446 --> 00:03:01.156
geweest.

00:03:01.156 --> 00:03:01.426
Het

00:03:01.426 --> 00:03:01.486
is

00:03:01.486 --> 00:03:01.726
toch

00:03:01.726 --> 00:03:01.875
je

00:03:01.875 --> 00:03:02.215
eigen

00:03:02.215 --> 00:03:02.715
geld.

00:03:02.715 --> 00:03:02.985
Ik

00:03:02.985 --> 00:03:03.115
vind

00:03:03.115 --> 00:03:03.284
die

00:03:03.284 --> 00:03:03.974
officiële

00:03:03.974 --> 00:03:04.234
taal

00:03:04.234 --> 00:03:04.634
gewoon

00:03:04.634 --> 00:03:04.763
zo

00:03:04.763 --> 00:03:05.433
lastig.

00:03:05.433 --> 00:03:05.703
Wat

00:03:05.703 --> 00:03:05.763
is

00:03:05.763 --> 00:03:05.963
nou

00:03:05.963 --> 00:03:06.432
precies

00:03:06.432 --> 00:03:06.622
het

00:03:06.622 --> 00:03:07.152
verschil

00:03:07.152 --> 00:03:07.552
tussen

00:03:07.552 --> 00:03:07.682
je

00:03:07.682 --> 00:03:08.131
salaris

00:03:08.131 --> 00:03:08.151
en

00:03:08.151 --> 00:03:08.351
je

00:03:08.351 --> 00:03:09.111
inkomen?

00:03:09.111 --> 00:03:09.530
Goeie

00:03:09.530 --> 00:03:10.270
vraag.

00:03:10.270 --> 00:03:10.540
Je

00:03:10.540 --> 00:03:10.839
salaris

00:03:10.839 --> 00:03:10.989
is

00:03:10.989 --> 00:03:11.199
wat

00:03:11.199 --> 00:03:11.329
je

00:03:11.329 --> 00:03:11.529
van

00:03:11.529 --> 00:03:11.659
je

00:03:11.659 --> 00:03:11.919
baas

00:03:11.919 --> 00:03:12.728
krijgt.

00:03:12.728 --> 00:03:12.858
Je

00:03:12.858 --> 00:03:13.158
inkomen

00:03:13.158 --> 00:03:13.358
is

00:03:13.358 --> 00:03:13.707
alles

00:03:13.707 --> 00:03:13.927
bij

00:03:13.927 --> 00:03:14.587
elkaar.

00:03:14.587 --> 00:03:14.857
Dus

00:03:14.857 --> 00:03:14.907
als

00:03:14.907 --> 00:03:15.017
je

00:03:15.017 --> 00:03:15.706
bijvoorbeeld

00:03:15.706 --> 00:03:15.826
ook

00:03:15.826 --> 00:03:15.986
nog

00:03:15.986 --> 00:03:16.456
inkomsten

00:03:16.456 --> 00:03:16.616
uit

00:03:16.616 --> 00:03:17.065
verhuur

00:03:17.065 --> 00:03:17.475
hebt,

00:03:17.475 --> 00:03:17.885
telt

00:03:17.885 --> 00:03:17.925
dat

00:03:17.925 --> 00:03:18.384
mee.

00:03:18.384 --> 00:03:18.924
Ah,

00:03:18.924 --> 00:03:19.903
oké.

00:03:19.903 --> 00:03:20.173
En

00:03:20.173 --> 00:03:20.233
die

00:03:20.233 --> 00:03:20.833
'inhouding'

00:03:20.833 --> 00:03:20.963
op

00:03:20.963 --> 00:03:21.232
mijn

00:03:21.232 --> 00:03:21.872
loonstrook

00:03:21.872 --> 00:03:22.002
is

00:03:22.002 --> 00:03:22.202
dus

00:03:22.202 --> 00:03:22.402
een

00:03:22.402 --> 00:03:23.461
verzamelnaam?

00:03:23.461 --> 00:03:23.731
Ja

00:03:23.731 --> 00:03:24.460
precies.

00:03:24.460 --> 00:03:24.730
Dat

00:03:24.730 --> 00:03:24.860
zijn

00:03:24.860 --> 00:03:25.030
alle

00:03:25.030 --> 00:03:25.580
bedragen

00:03:25.580 --> 00:03:25.719
die

00:03:25.719 --> 00:03:25.889
van

00:03:25.889 --> 00:03:25.999
je

00:03:25.999 --> 00:03:26.279
bruto

00:03:26.279 --> 00:03:26.679
salaris

00:03:26.679 --> 00:03:27.029
worden

00:03:27.029 --> 00:03:27.818
afgehaald.

00:03:27.818 --> 00:03:28.088
Dus

00:03:28.088 --> 00:03:28.118
de

00:03:28.118 --> 00:03:28.817
belasting,

00:03:28.817 --> 00:03:29.197
premies

00:03:29.197 --> 00:03:29.447
voor

00:03:29.447 --> 00:03:30.296
verzekeringen

00:03:30.296 --> 00:03:30.336
en

00:03:30.336 --> 00:03:31.036
je

00:03:31.036 --> 00:03:31.735
pensioenbijdrage.

00:03:31.735 --> 00:03:32.735
Duidelijk.

00:03:32.735 --> 00:03:33.005
Het

00:03:33.005 --> 00:03:33.035
is

00:03:33.035 --> 00:03:33.654
eigenlijk

00:03:33.654 --> 00:03:33.854
best

00:03:33.854 --> 00:03:34.274
logisch

00:03:34.274 --> 00:03:34.454
als

00:03:34.454 --> 00:03:34.573
je

00:03:34.573 --> 00:03:34.753
het

00:03:34.753 --> 00:03:34.873
zo

00:03:34.873 --> 00:03:35.573
uitlegt.

00:03:35.573 --> 00:03:35.903
Dus,

00:03:35.903 --> 00:03:36.033
we

00:03:36.033 --> 00:03:36.422
hebben

00:03:36.422 --> 00:03:36.622
het

00:03:36.622 --> 00:03:36.952
gehad

00:03:36.952 --> 00:03:37.212
over

00:03:37.212 --> 00:03:37.342
de

00:03:37.342 --> 00:03:37.731
stress

00:03:37.731 --> 00:03:37.931
van

00:03:37.931 --> 00:03:38.061
de

00:03:38.061 --> 00:03:39.100
administratie.

00:03:39.100 --> 00:03:39.370
Over

00:03:39.370 --> 00:03:39.800
het

00:03:39.800 --> 00:03:40.310
pensioen,

00:03:40.310 --> 00:03:40.400
het

00:03:40.400 --> 00:03:40.769
verschil

00:03:40.769 --> 00:03:41.129
tussen

00:03:41.129 --> 00:03:41.409
bruto

00:03:41.409 --> 00:03:41.529
en

00:03:41.529 --> 00:03:41.819
netto,

00:03:41.819 --> 00:03:41.939
en

00:03:41.939 --> 00:03:42.118
het

00:03:42.118 --> 00:03:42.468
belang

00:03:42.468 --> 00:03:42.648
van

00:03:42.648 --> 00:03:42.838
sparen

00:03:42.838 --> 00:03:43.058
en

00:03:43.058 --> 00:03:43.967
verzekeren.

00:03:43.967 --> 00:03:44.267
Ja,

00:03:44.267 --> 00:03:44.417
en

00:03:44.417 --> 00:03:44.627
over

00:03:44.627 --> 00:03:44.967
de

00:03:44.967 --> 00:03:45.726
Nederlandse

00:03:45.726 --> 00:03:46.605
zuinigheid!

00:03:46.605 --> 00:03:46.865
En

00:03:46.865 --> 00:03:46.875
dat

00:03:46.875 --> 00:03:46.985
ik

00:03:46.985 --> 00:03:47.525
misschien

00:03:47.525 --> 00:03:47.725
toch

00:03:47.725 --> 00:03:47.945
iets

00:03:47.945 --> 00:03:48.244
minder

00:03:48.244 --> 00:03:48.564
koffie

00:03:48.564 --> 00:03:48.894
buiten

00:03:48.894 --> 00:03:49.084
de

00:03:49.084 --> 00:03:49.224
deur

00:03:49.224 --> 00:03:49.314
moet

00:03:49.314 --> 00:03:50.043
drinken.

00:03:50.043 --> 00:03:50.313
Een

00:03:50.313 --> 00:03:50.483
hele

00:03:50.483 --> 00:03:51.222
financiële

00:03:51.222 --> 00:03:51.622
analyse

00:03:51.622 --> 00:03:51.742
in

00:03:51.742 --> 00:03:51.932
een

00:03:51.932 --> 00:03:52.681
kwartier.

00:03:52.681 --> 00:03:53.011
Nou,

00:03:53.011 --> 00:03:53.211
het

00:03:53.211 --> 00:03:53.341
is

00:03:53.341 --> 00:03:53.601
een

00:03:53.601 --> 00:03:54.080
begin.

00:03:54.080 --> 00:03:54.470
Goed,

00:03:54.470 --> 00:03:54.600
ik

00:03:54.600 --> 00:03:54.720
ga

00:03:54.720 --> 00:03:54.1000
deze

00:03:54.1000 --> 00:03:55.469
envelop

00:03:55.469 --> 00:03:55.599
nu

00:03:55.599 --> 00:03:55.799
met

00:03:55.799 --> 00:03:55.999
een

00:03:55.999 --> 00:03:56.269
iets

00:03:56.269 --> 00:03:56.609
beter

00:03:56.609 --> 00:03:56.948
gevoel

00:03:56.948 --> 00:03:57.358
op

00:03:57.358 --> 00:03:57.953
de

00:03:57.953 --> 00:03:58.547
'afgehandeld'-stapel

00:03:58.547 --> 00:03:59.237
leggen.

00:03:59.237 --> 00:03:59.627
Bedankt

00:03:59.627 --> 00:03:59.807
voor

00:03:59.807 --> 00:04:00.081
de

00:04:00.081 --> 00:04:00.356
therapie,

00:04:00.356 --> 00:04:00.956
Maarten.

00:04:00.956 --> 00:04:01.445
Haha,

00:04:01.445 --> 00:04:01.765
geen

00:04:01.765 --> 00:04:02.715
probleem.

00:04:02.715 --> 00:04:03.134
Succes

00:04:03.134 --> 00:04:03.714
ermee.

00:04:03.714 --> 00:04:03.984
Tot

00:04:03.984 --> 00:04:03.994
de

00:04:03.994 --> 00:04:04.324
volgende

00:04:04.324 --> 00:04:04.873
keer!

00:04:04.873 --> 00:04:05.143
Ja,

00:04:05.143 --> 00:04:05.333
tot

00:04:05.333 --> 00:04:05.952
horens!

00:04:05.952 --> 00:04:06.432
Doei!