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If marriage is delayed, if the 40s, even before the calculation of adult children face a mandatory retirement age of 60 years. Approaching retirement funds, Housing, and with three major expenses in life, when it comes MAWASHITAI to prepare. Immediately after the educational expenses, the father at birth if their first child 40, for retirement. succession costs, immenselyMAZARU a 25-year mortgage. Is very difficult. Housing alone will keep at least an end to slow the age when children are born of necessity. And inevitably in 1920, 20 years or around 166,000 yen, about 1.5 times higher. 40 If you buy a home in their thirties, the monthly payment up to 35 years if the loan is for about 115,000 yen and emerging issues in the care of their parents. 3000 at 3 interest rate if you borrow, the couple called each other by many accounts.