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“10년전에 퇴직했는데 매일같이 뭘 해야 하는지 모르겠어요, 기술직들은 조그만데 가서 일이라도 하고 있는데 전 관리직이라서 할 수 있는게 없더라고요”
10여년전 공기업인 한전을 퇴직한 한 호식(68세)씨, 부동산 자산관리차 필자의 사무실을 방문해서 푸념을 늘어놓는다. 퇴직금으로 받은 목돈은 아이들 혼사등 큰 일 치루는데 전부 다 써버리고 달랑 국민연금 85만원으로 생활하고 있지만 자존심 때문에 자식들에게 손을 벌리지 못하고 있다. 자신도 부지불식중에 빈곤층으로 추락해 친구들 만나고 경조사 가는것도 고통이라고 한다.
“첫번째 바보는 은퇴 후 손자들 돌본다고 자기 일을 하나도 못 하는 사람,
두번째 바보는 자식에게 재산을 다 물려주고 용돈타서 쓰는 사람, 마지막 세 번째 바보는 자식이나 손자가 놀러 오면 잘 방이 있어야 한다며 넓은 집에 여전히 사는 사람이라고 한다.
경제지에 근무하는 기자가 필자에게 들려준 이야기로 은퇴이후 맞게될 대한민국 50대의 미래상의 단면을 엿볼수 있다. 아무리 노인들에게 잘해주는 대통령을 뽑더라도 노후 문제는 스스로 책임져야 한다. 최소한 경제적으로 불안한 노후를 보내지 않기 위해서는 한살이라도 젊었을적에 경제뉴스나 세미나에 열심히 다니면서 자산관리에 신경써야 한다.
“집사람 모르게 비상금으로 돈을 좀 모아놓아라 “ 집안 대소사로 가끔 만나는 형님들은 경험적으로 필자에게 이런 조언을 많이 한다. 깊게 생각하면 하나도 틀리지 않은 말이다.
필자는 강의중 간혹 수강생들에게 뼈있는 농담을 던진다.
“선생들 돈좀 아내 모르게 좀 모아놓으세요. 그렇지 않으면 먼훗날 후회합니다.’
통상 여자분들은 본능적으로 가족들과 자식들을 위해 남편몰래 자산을 조금조금씩 모아놓습니다.남편이 사업에서 실패하거나 아이들을 위해 긴급하게 목돈이 필요할 때 내놓기 위함입니다.
하지만 아내가 모으는 비상금이 억대가 넘어가면 뭔가 준비하기 위해서죠! 뭔지 아시죠?
부모님을 모시는 자식들 입장에서도 아무래도 남자인 아버지보다 집안을 구석구석 챙겨주는 여자인 어머니를 모시는 것을 더 편애하기도 한다.
그 동안 경제력 있는 남편 때문에 ‘참을 인’자 수천 번 써가며 감내해 왔지만 남편이 퇴직금을 받게되면 확 달라진다는 애기다. 자녀들도 결혼했고 남편의 퇴직금도 절반가량 챙길수 있어 맘편히 살겠다는 여성분들이 많다. 황혼이혼에 있어 특별한 경우를 제외하고 전업주부라도 재산의 절반에 대한 권리 주장할 수 있기 때문이다. 가정법원에서는 지난해 국민연금뿐만 아니라 공무원연금도 재산분할 대상이라고 판결 선고하기도 했다.
남편의 퇴직과 동시에 집에서 보내는 시간이 많으면 남편의 관심사가 집안일에 집중되면서 회사 아랫사람 부리듯 부인에게 사사건건 잔소리를 하게 되고 그런 남편의 행동을 아내는 참을 수 없어 한다.
실제 대법원의 사법연감을 보면 지난해 중•노년층 부부의 황혼이혼이 전체 이혼의 24.8%(2만8299건)를 차지한 것으로 나타났다. 네 쌍 중 한 쌍이 황혼이혼을 하는 것. 황혼이혼 비율도 황혼이혼은 어느 날 갑자기 찾아오는 것이 아니다. 수없는 복선과 예고편이 존재했음에도 알아차리지 못하거나 모른척했을 뿐이다.
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