{"id":4854,"date":"2022-04-29T18:00:00","date_gmt":"2022-04-29T11:00:00","guid":{"rendered":"https:\/\/rocketpocket.id\/?p=4854"},"modified":"2022-08-08T11:47:11","modified_gmt":"2022-08-08T04:47:11","slug":"langkah-langkah-menyiapkan-dana-pensiun","status":"publish","type":"post","link":"https:\/\/whiz.id\/en\/step-by-step-preparing-retirement-fund\/","title":{"rendered":"Steps to Setting Up a Retirement Fund: Start As Early as Possible!"},"content":{"rendered":"<p style=\"font-size:16px\"><strong>Steps to Prepare Retirement Fund<\/strong> \u2013 Retiring and living your old age in peace without thinking about finances is everyone&#039;s dream. We are aware that we will not live and work forever. As age begins to grow, productivity at work begins to decrease.<\/p>\n\n\n\n<p style=\"font-size:16px\">Therefore, it is very important for us to prepare a pension fund as early as possible. The goal is that we can be financially independent in old age.<\/p>\n\n\n\n<p style=\"font-size:16px\">Setting up a retirement fund doesn&#039;t have to cost a lot of money, start setting aside some of our current income. The important thing is consistency.<\/p>\n\n\n\n<p style=\"font-size:16px\">let you <em>not<\/em> confused, Whiz has prepared 10 steps to prepare a pension fund. Listen, come on!&nbsp;<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:16px\"><strong>Also Read: <a href=\"https:\/\/whiz.id\/en\/types-of-financial-reports-you-need-to-know\/\" target=\"_blank\" rel=\"noreferrer noopener\">Types of Financial Statements You Need to Know<\/a><\/strong><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<h3 class=\"wp-block-heading\"><strong>10 Steps to Setting Up a Retirement Fund<\/strong><\/h3>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>1. Deciding When to Retire<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">Before setting up a retirement fund, determine when you will retire. At what age will you retire? That way, you can set a strategy for preparing retirement funds.<\/p>\n\n\n\n<p style=\"font-size:16px\">For example, you are currently 28 years old and you want to retire at 55. You have 27 years to collect your retirement fund.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>2. Calculating Retirement Needs<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">The mandatory thing that you have to do when preparing a retirement fund is to calculate your needs when you retire later. Do the calculations starting from the cost of food, water, electricity, insurance and so on.<\/p>\n\n\n\n<p style=\"font-size:16px\">Future needs are difficult to predict, but usually do not differ much from current needs. In fact, there are needs that we no longer need, such as transportation to the office.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>3. Start and Keep Saving<\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" fetchpriority=\"high\" decoding=\"async\" width=\"1024\" height=\"683\" data-attachment-id=\"4885\" data-permalink=\"https:\/\/whiz.id\/en\/step-by-step-preparing-retirement-fund\/coins-open-retirement-glass-bowl-table\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;2.8&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;Canon EOS 5D Mark III&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;1532429249&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;100&quot;,&quot;iso&quot;:&quot;200&quot;,&quot;shutter_speed&quot;:&quot;0.008&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?fit=1024%2C683&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-1024x683.jpg?resize=1024%2C683&#038;ssl=1\" alt=\"Steps to Prepare Retirement Fund\" class=\"wp-image-4885\" srcset=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/coins-open-retirement-glass-bowl-table-scaled.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">If you already have a plan when will you retire. Start saving. You can set aside some of your salary to make your own retirement savings. It doesn&#039;t have to be a large amount, start with a small amount then try to increase the amount.<\/p>\n\n\n\n<p style=\"font-size:16px\">Make retirement savings a priority and be consistent in saving. Also, never touch your retirement savings.<\/p>\n\n\n\n<p style=\"font-size:16px\">If you need money, try to reduce other fund items. If you withdraw your retirement fund, you will lose the principal and interest on your savings.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>4. Pay Off All Debts<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">Debt is one proof that our financial situation is not healthy. It is rare to find people who live without debt, ranging from credit card debt, installments, to borrowing money from neighbors and relatives. Whatever the form, debt is like a part of the modern lifestyle.<\/p>\n\n\n\n<p style=\"font-size:16px\">In fact, if it cannot be controlled, debt will burden us in the future, especially debt with high interest rates.<\/p>\n\n\n\n<p style=\"font-size:16px\">When setting up a retirement fund, try to pay off all the debts you have. If you have to take a loan or debt, choose a positive debt. Debt that can be used to generate other income, such as buying a motorbike to become an online motorcycle taxi in your spare time, buying a camera to become a photographer, and so on.<\/p>\n\n\n\n<p style=\"font-size:16px\">The important thing that must be instilled is that you don&#039;t retire while you still have debt.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>5. Find out about Social Security<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">One source of pension funds is through social security. Based on <a href=\"https:\/\/lifepal.co.id\/media\/bpjs-pensiun\/?msclkid=51456334b94211ecb6198f5c43955aed\" target=\"_blank\" rel=\"noreferrer noopener\">BPJS of Employment<\/a>, pension insurance is a social security that aims to maintain a decent standard of living for participants and\/or their heirs by providing income after the participant enters retirement age, experiences permanent total disability, or dies.<\/p>\n\n\n\n<p style=\"font-size:16px\">In Indonesia, the source of pension funds is based on BPJS Employment in the form of Old Age Security (JHT) and Pension Guarantee (JP). Learn and find out about the social security. Social security is one of your sources of income in old age.&nbsp;<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>6. Choose the Right Financial Products<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">When you are ready to start preparing for a retirement fund, you should also consider financial products that are suitable for saving your retirement funds and achieving the targets you have set.<\/p>\n\n\n\n<p style=\"font-size:16px\">You can save your retirement funds in the form of savings, time deposits, or mutual funds. Think carefully and learn all the advantages and disadvantages.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>7. Have an Emergency Fund and Insurance<\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1024\" height=\"683\" data-attachment-id=\"4888\" data-permalink=\"https:\/\/whiz.id\/en\/step-by-step-preparing-retirement-fund\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?fit=2560%2C1707&amp;ssl=1\" data-orig-size=\"2560,1707\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;2.8&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;ILCE-7M2&quot;,&quot;caption&quot;:&quot;elderly patients injury  woman on Patient&#039;s bed in hospital  holding us dollar bills feel happy from getting insurance money From insurance companies&quot;,&quot;created_timestamp&quot;:&quot;1570278680&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;55&quot;,&quot;iso&quot;:&quot;100&quot;,&quot;shutter_speed&quot;:&quot;0.01&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;}\" data-image-title=\"elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?fit=1024%2C683&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-1024x683.jpg?resize=1024%2C683&#038;ssl=1\" alt=\"Steps to Prepare Retirement Fund\" class=\"wp-image-4888\" srcset=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=1024%2C683&amp;ssl=1 1024w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=1536%2C1024&amp;ssl=1 1536w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=2048%2C1365&amp;ssl=1 2048w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/elderly-patients-injury-woman-patient-s-bed-hospital-holding-us-dollar-bills-feel-happy-from-getting-insurance-money-from-insurance-companies-scaled.jpg?resize=18%2C12&amp;ssl=1 18w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">In addition to having a pension fund, you must also have an emergency fund and insurance. An emergency fund is a fund set up for the unexpected.<\/p>\n\n\n\n<p style=\"font-size:16px\">If you have an emergency fund, you don&#039;t have to worry about unexpected events, such as when you have to stop working, there is a financial crisis, and so on. You can use these funds without reducing your pension fund.<\/p>\n\n\n\n<p style=\"font-size:16px\">Likewise with insurance funds. These funds will be very useful until you are old.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>8. Not Relying on Pension Funds from the Office<\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">Usually, retirement funds from the office are not much and will not meet your needs in old age. Therefore, do not rely on pension funds from the office.<\/p>\n\n\n\n<p style=\"font-size:16px\">Make your own retirement savings and use it to find <em>passive income<\/em> by buying active assets, such as property, business, securities, and so on.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>9. Start Investing and Search <\/strong><strong><em>Passive Income<\/em><\/strong><\/h4>\n\n\n\n<p style=\"font-size:16px\">There&#039;s nothing wrong with learning about investing as early as possible. Investment can be one <em>passive income<\/em> in your old age. If you are curious about <em>passive income <\/em>You can read the full article <strong><a href=\"https:\/\/rocketpocket.id\/id\/passive-income\/\" target=\"_blank\" rel=\"noreferrer noopener\">here!<\/a><\/strong>.<\/p>\n\n\n\n<p style=\"font-size:16px\">When you want to invest, study well all the risks. Invest according to your financial ability. The choice of investment type can be adjusted to the retirement fund you want.<\/p>\n\n\n\n<h4 class=\"wp-block-heading\"><strong>10. Manage and Control Finance<\/strong><\/h4>\n\n\n\n<div class=\"inherit-container-width wp-block-group is-layout-constrained wp-block-group-is-layout-constrained\"><div class=\"wp-block-group__inner-container\">\n<figure class=\"wp-block-image size-large\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"1024\" height=\"684\" data-attachment-id=\"4883\" data-permalink=\"https:\/\/whiz.id\/en\/step-by-step-preparing-retirement-fund\/asia-smart-female-agent-offers-health-insurance-for-elderly-coup\/\" data-orig-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?fit=2560%2C1709&amp;ssl=1\" data-orig-size=\"2560,1709\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;2.5&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;NIKON D750&quot;,&quot;caption&quot;:&quot;Asia smart female agent offers health insurance for elderly couples by document, tablet and laptop. Aged Asian couple consulting with insurance agent while sitting together with at home.&quot;,&quot;created_timestamp&quot;:&quot;1547551100&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;85&quot;,&quot;iso&quot;:&quot;400&quot;,&quot;shutter_speed&quot;:&quot;0.004&quot;,&quot;title&quot;:&quot;Asia smart female agent offers health insurance for elderly coup&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"Asia smart female agent offers health insurance for elderly coup\" data-image-description=\"\" data-image-caption=\"\" data-medium-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?fit=300%2C200&amp;ssl=1\" data-large-file=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?fit=1024%2C684&amp;ssl=1\" src=\"https:\/\/i0.wp.com\/rocketpocket.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-1024x684.jpg?resize=1024%2C684&#038;ssl=1\" alt=\"Steps to Prepare Retirement Fund\" class=\"wp-image-4883\" srcset=\"https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?resize=1024%2C684&amp;ssl=1 1024w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?resize=768%2C513&amp;ssl=1 768w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?resize=1536%2C1025&amp;ssl=1 1536w, https:\/\/i0.wp.com\/whiz.id\/wp-content\/uploads\/2022\/04\/asia-smart-female-agent-offers-health-insurance-elderly-couples-by-document-tablet-laptop-scaled.jpg?resize=2048%2C1367&amp;ssl=1 2048w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div><\/div>\n\n\n\n<p style=\"font-size:16px\">Recording financial transactions is very important. Record every income and expense that you use each month. Managing and controlling finances will be very useful in preparing a retirement fund.<\/p>\n\n\n\n<p style=\"font-size:16px\">If you can manage finances, you will easily allocate needs and items from your income. You can also consider the amount of money that goes into retirement funds. In addition, if your finances are controlled, your financial health will be stable.<\/p>\n\n\n\n<p class=\"has-text-align-center\" style=\"font-size:16px\"><strong>Also Read:<\/strong> <a href=\"https:\/\/whiz.id\/en\/the-importance-of-preparing-family-insurance\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>The Importance of Preparing Family Insurance<\/strong><\/a><\/p>\n\n\n\n<hr class=\"wp-block-separator has-css-opacity\"\/>\n\n\n\n<p style=\"font-size:16px\">There is no such thing as too soon in setting up a pension fund, in fact a pension fund must be prepared as early as possible. Follow the steps above when you prepare your retirement fund.<\/p>\n\n\n\n<p style=\"font-size:16px\">In addition, use <strong>the Whiz Financial App.<\/strong> to manage finances. You don&#039;t need to bother recording financial transactions anymore, every transaction you make will be automatically recorded in the Whiz application. Curious what other features are in Whiz?<\/p>\n\n\n\n<p class=\"has-text-align-center has-medium-font-size\"><strong><a href=\"https:\/\/link.whiz.id\/website\" target=\"_blank\" rel=\"noreferrer noopener\">Download the Whiz Finance App for Healthier Finances!<\/a><\/strong><\/p>","protected":false},"excerpt":{"rendered":"<p>Steps to Preparing Retirement Funds - Retiring and living your old age peacefully without thinking about finances is everyone&#039;s dream. We realize that we will not live and work forever. As age begins to increase, productivity at work begins to decrease. Therefore, it is very important for us to prepare retirement funds as early as possible. The goal is for us [...]<\/p>","protected":false},"author":6,"featured_media":4882,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[9],"tags":[],"class_list":["post-4854","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-budgeting-purchasing-decisions"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v25.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Langkah-langkah Menyiapkan Dana Pensiun: Mulai Sedini Mungkin! &#8211; Whiz<\/title>\n<meta name=\"description\" content=\"Pensiun dan hidup tenang adalah impian semua orang. 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