Generasi sandwich seringkali diberikan kepada orang-orang yang merupakan anak pertama dalam keluarga. Sebutan ini memang terlihat lucu, tetapi arti dari generasi sandwich ini sangat jauh berbeda dari makna lucu. Yap! Sandwich generation yang pada awalnya dikenalkan oleh Dorothy A. Miller pada tahun 1981 adalah sebutan bagi orang dewasa sekaligus anak pertama yang sedang berada di kondisi terjepit (seperti daging dalam roti sandwich) dalam hal keuangan. Mereka ini biasanya orang-orang yang menanggung berbagai beban biaya, baik beban biaya keluarga sendiri dan juga beban biaya yang berasal dari orangtua maupun mertua.
OneBestie, apakah Kamu tahu bahwa nyatanya kondisi ini sudah dialami oleh banyak orang sejak dulu? Mereka yang terjebak dalam kondisi ini akan merasa kesulitan dalam mengatur dan mengelola uang. Bahkan tidak jarang mereka tidak bisa memberikan self reward karena uang sudah habis untuk membiayai banyak hal.
Apakah Kamu termasuk ke dalam generasi sandwich? Jika iya, berikut ini ada beberapa langkah agar Kamu bisa terbebas dari kondisi ini. Check it out!
1. Miliki Cash Flow Bulanan yang Positif
Langkah pertama untuk bebas dari kondisi ini adalah dengan memiliki cash flow atau arus kas yang positif. Penghasilanmu harus cukup untuk bisa memenuhi kebutuhan dan pengeluaran setiap bulan. Jangan lupa juga untuk menyisihkan sebagian uang untuk keperluan masa depan. Kamu bisa melakukan pencatatan setiap pengeluaran untuk mengetahui apakah arus kas-mu sudah dalam posisi positif atau negatif.
2. Buat Anggaran Keuangan
Langkah berikutnya adalah dengan membuat anggaran keuangan setiap bulan. Masukkan beban biaya orangtua, kebutuhan keluarga, dan kebutuhan pribadi ke dalam anggaran ini. Buatlah anggaran keuangan se-detail mungkin dan jangan lupa untuk tentukan skala prioritas untuk mengetahui kebutuhan apa yang harus dipenuhi terlebih dahulu.
Jangan lupa tinjau kembali anggaran yang sudah Kamu susun sebelum diterapkan. Lihat kembali apakah ada kebutuhan yang tidak penting dalam anggara tersebut. Jika ada, maka segera hapus agar strategi mengatur uangmu lebih efektif dan efisien.
3. Siapkan Dana Proteksi
Saat membuat anggaran keuangan, jangan lupa untuk menyiapkan dana proteksi baik berupa dana darurat maupun dalam bentuk asuransi untuk mengurangi risiko terhadap keuanganmu. Untuk dana darurat, Kamu bisa siapkan sebanyak 12 kali dari kebutuhan bulanan. Agar lebih tenang dalam mengatur uang, Kamu bisa membeli asuransi kesehatan untuk diri sendiri dan keluarga. Jangan khawatir jika Kamu tidak sempat mendatangi perusahaan asuransi untuk membeli asuransi kesehatan. OneAset hadir sebagai solusinya. Cukup download aplikasi dan daftarakan dirimu, maka Kamu bisa memilih berbagai asuransi dari perusahaan asuransi terbaik di Indonesia. Tunggu apa lagi?
4. Miliki Dana Pensiun
Terakhir, Kamu juga bisa mulai untuk menyiapkan dana pensiun sedini mungkin. Dana pensiun sangat penting untukmu ketika menghadapi kondisi memasuki usia lansia dan sudah tidak bekerja nanti. Keberadaan dana pensiun juga bisa memutus tali sandwich generation dalam dirimu. Jadi ketika dewasa nanti, anak-anakmu tidak akan merasa terbebani menanggung biaya kebutuhan orangtuanya karena Kamu sudah memiliki dana pensiun.
Cukup Kamu Saja
Itulah 3 langkah utama untuk keluar dari generasi sandwich. Semoga hal ini bisa membantumu untuk keluar dari posisi ini dan juga bisa menjadi langkah yang baik untuk memutus rantai generasi sandwich di keluargamu. Cukup Kamu saja orang terakhir dari generasi sandwich di keluarga, jangan ada lagi generasi sandwich berikutnya di keluargamu.
Semoga bermanfaat!
Sumber: https://landx.id/blog/memutus-rantai-sandwich-generation/
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