原田英語の英検二次面接 ぜんぶ攻略くん
AI採点

英検1級 二次 予想トピック 71 ・ 🏠 暮らし・家族・消費 ・ To what extent

To what extent should individuals be responsible for preparing for their own retirement?

老後への備えは、個人がどの程度自分で責任を持つべきか。

このトピックを選ぶべき人

年金やNISAなど、老後のお金の話題に関心がある人向け。

骨組み理由3つ（どちらの立場でも話せる）

賛成（Yes）で話すなら

I believe individuals should take a large part of the responsibility for their own retirement.

  1. pension limitsWith fewer workers supporting more retirees, public pensions alone may not be enough for a comfortable life. People who prepare early will have more security.
  2. tools availableThe government already offers tax-free savings and investment systems, such as NISA. These make it easier for ordinary people to build their savings over many years.
  3. different lifestylesPeople have very different ideas about retirement, such as traveling, moving to the countryside, or continuing to work. Individuals know best how much money they need for the life they want.

反対（No）で話すなら

I believe individuals should be responsible only to a limited extent, because the state must guarantee a basic standard of living.

  1. unequal abilityMany low-income workers simply cannot afford to save or invest. Relying on individual effort would widen the gap between rich and poor in old age.
  2. market risksInvestments can lose value suddenly, as they do in a financial crisis. People who are close to retirement may not have time to recover from such losses.
  3. a promisePeople pay into the pension system throughout their working lives, trusting that it will support them. The government has a duty to keep that promise.

想定質疑面接委員はこう突っ込んでくる

QWhat about people who cannot afford to save?

That's an important point. Admittedly, not everyone can save enough. For those people, the state must guarantee a basic income in old age. But for those who can afford it, I still think preparing for retirement themselves is the responsible choice.

Q：貯金する余裕がない人はどうなりますか。
A：大切なご指摘です。確かに、誰もが十分に貯められるわけではありません。そうした人には、国が老後の最低限の収入を保障しなければなりません。それでも、余裕のある人にとっては、自分で老後に備えるのが責任ある選択だと考えます。

QShould financial education be taught in schools?

Yes, definitely. In fact, Japanese high schools have recently started teaching more about personal finance. Learning about saving, investing, and risk at a young age can help people make better decisions throughout their lives.

Q：学校でお金の教育をすべきですか。
A：はい、ぜひすべきです。実際、日本の高校では最近、家計や資産形成についての授業が増えています。若いうちに貯蓄や投資、リスクについて学べば、一生を通じてより良い判断ができるようになります。

QIs working longer a good solution for retirement?

For many people, I think it can be. Working a few more years can provide both income and a sense of purpose. However, not everyone is healthy enough to keep working, so it should be a choice rather than a necessity.

Q：長く働くことは、老後の問題の良い解決策ですか。
A：多くの人にとってはそうだと思います。あと数年働けば、収入と生きがいの両方が得られます。ただ、誰もが働き続けられるほど健康なわけではないので、必要に迫られてではなく、選べるものであるべきです。

語彙このトピックで使える表現