{"id":358,"date":"2026-02-25T17:00:55","date_gmt":"2026-02-25T08:00:55","guid":{"rendered":"https:\/\/wismoney.jp\/chokin\/expert\/?p=358"},"modified":"2026-03-23T18:49:38","modified_gmt":"2026-03-23T09:49:38","slug":"saving-fail","status":"publish","type":"post","link":"https:\/\/wismoney.jp\/chokin\/expert\/saving-fail\/","title":{"rendered":"\u5148\u53d6\u308a\u8caf\u91d1\u304c\u5931\u6557\u3059\u308b\u306e\u306f\u306a\u305c\uff1f\uff5cFP\u304c\u6559\u3048\u308b\u5d29\u3055\u306a\u3044\u4ed5\u7d44\u307f\u306e\u4f5c\u308a\u65b9"},"content":{"rendered":"<p>\u5148\u53d6\u308a\u8caf\u91d1\u3068\u306f\u3001\u7d66\u4e0e\u304c\u632f\u308a\u8fbc\u307e\u308c\u305f\u76f4\u5f8c\u306b\u4e00\u5b9a\u984d\u3092\u5225\u53e3\u5ea7\u3078\u81ea\u52d5\u3067\u79fb\u3059\u8caf\u84c4\u624b\u6cd5\u3067\u3059\u3002\u5148\u53d6\u308a\u8caf\u91d1\u304c\u5931\u6557\u3059\u308b\u6700\u5927\u306e\u7406\u7531\u306f\u3001\u610f\u5fd7\u306e\u5f37\u3055\u3067\u306f\u306a\u304f\u300c\u4ed5\u7d44\u307f\u300d\u306b\u3042\u308a\u307e\u3059\u3002<\/p>\n<p>\u6708\u521d\u306b\u6c7a\u3081\u305f\u5148\u53d6\u308a\u984d\u3092\u5b88\u308d\u3046\u3068\u3059\u308b\u307b\u3069\u3001\u6708\u672b\u306b\u306f\u5224\u65ad\u75b2\u308c\u304c\u8d77\u304d\u3066\u7d50\u5c40\u5d29\u3057\u3066\u3057\u307e\u3046\u3002\u3053\u308c\u306f\u6027\u683c\u306e\u554f\u984c\u3067\u306f\u306a\u304f\u3001\u8133\u306e\u4ed5\u7d44\u307f\u306b\u3088\u308b\u3082\u306e\u3067\u3059\u3002<\/p>\n<p>\u3053\u306e\u8a18\u4e8b\u3067\u306f\u3001\u6d6a\u8cbb\u50be\u5411\u306e\u3042\u308b\u65b9\u304c\u9665\u308a\u3084\u3059\u30443\u3064\u306e\u5931\u6557\u30d1\u30bf\u30fc\u30f3\u3068\u3001\u610f\u5fd7\u529b\u306b\u983c\u3089\u305a\u6210\u529f\u3055\u305b\u308b\u8a2d\u8a08\u539f\u5247\u3092\u89e3\u8aac\u3057\u307e\u3059\u3002<\/p>\n<h2>\u5148\u53d6\u308a\u8caf\u91d1\u304c\u5931\u6557\u3059\u308b3\u3064\u306e\u30d1\u30bf\u30fc\u30f3\u3068\u8133\u306e\u4ed5\u7d44\u307f<\/h2>\n<p>\u5148\u53d6\u308a\u8caf\u91d1\u304c\u7d9a\u304b\u306a\u3044\u306e\u306f\u610f\u5fd7\u304c\u5f31\u3044\u304b\u3089\u3060\u3068\u601d\u3063\u3066\u3044\u307e\u305b\u3093\u304b\uff1f 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href=\"https:\/\/doi.org\/10.2307\/1914185\">\u30d7\u30ed\u30b9\u30da\u30af\u30c8\u7406\u8ad6\uff081979\u5e74\uff09<\/a>\u3067\u5b9f\u8a3c\u3055\u308c\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u6d6a\u8cbb\u50be\u5411\u306e\u3042\u308b\u65b9\u306f\u3053\u306e\u53cd\u5fdc\u304c\u9855\u8457\u3067\u3001\u53d6\u308a\u623b\u305d\u3046\u3068\u3059\u308b\u885d\u52d5\u304c\u5f37\u304f\u51fa\u3084\u3059\u3044\u306e\u3067\u3059\u3002\u624b\u53d6\u308a20\u4e07\u5186\u304b\u30895\u4e07\u5186\u3092\u5148\u53d6\u308a\u3059\u308b\u3068\u3001\u6b8b\u308a15\u4e07\u5186\u3092\u300c\u6e1b\u3089\u3055\u308c\u305f\u300d\u3068\u611f\u3058\u3001\u305d\u306e\u640d\u5931\u3092\u57cb\u3081\u3088\u3046\u3068\u7121\u610f\u8b58\u306b\u652f\u51fa\u304c\u5897\u3048\u3066\u3057\u307e\u3044\u307e\u3059\u3002<\/p>\n<h3>\u30d1\u30bf\u30fc\u30f32\uff1a\u898b\u3048\u306a\u3044\u8caf\u91d1\u306f\u300c\u306a\u3044\u3082\u306e\u300d\u306b\u611f\u3058\u3066\u3057\u307e\u3046\u300e\u53ef\u8996\u5316\u4e0d\u8db3\u578b\u300f<\/h3>\n<p>\u5225\u53e3\u5ea7\u306b\u79fb\u3057\u305f\u8caf\u91d1\u3092\u81ea\u5206\u306e\u304a\u91d1\u3068\u5b9f\u611f\u3067\u304d\u306a\u3044\u3002\u3053\u308c\u306f\u73cd\u3057\u3044\u3053\u3068\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u8133\u306f\u76ee\u306e\u524d\u306b\u306a\u3044\u3082\u306e\u3092\u8efd\u304f\u898b\u308b\u50be\u5411\u304c\u3042\u308a\u3001\u7279\u306b\u3059\u3050\u624b\u306b\u5165\u308b\u6e80\u8db3\u3092\u6c42\u3081\u3084\u3059\u3044\u65b9\u306f\u3001\u898b\u3048\u306a\u3044\u8caf\u91d1\u3078\u306e\u30e2\u30c1\u30d9\u30fc\u30b7\u30e7\u30f3\u304c\u4e0b\u304c\u308a\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u7d50\u679c\u3068\u3057\u3066\u300c\u3042\u3063\u3061\u306b\u304a\u91d1\u304c\u3042\u308b\u306f\u305a\u3060\u3051\u3069\u3001\u30d4\u30f3\u3068\u3053\u306a\u3044\u300d\u3068\u3044\u3046\u72b6\u614b\u306b\u9665\u308a\u3001\u76ee\u306e\u524d\u306e\u6b32\u3057\u3044\u3082\u306e\u3092\u512a\u5148\u3057\u3066\u3057\u307e\u3046\u306e\u3067\u3059\u3002<\/p>\n<h3>\u30d1\u30bf\u30fc\u30f33\uff1a\u7d66\u6599\u65e5\u76f4\u5f8c\u306e\u300c\u4f59\u88d5\u3042\u308b\u300d\u611f\u899a\u304c\u6d6a\u8cbb\u3092\u62db\u304f\u300e\u4f59\u88d5\u932f\u899a\u578b\u300f<\/h3>\n<p>\u7d66\u6599\u65e5\u306e\u76f4\u5f8c\u306f\u3001\u8133\u304c\u8c4a\u304b\u3055\u3092\u904e\u5927\u8a55\u4fa1\u3057\u3084\u3059\u3044\u6642\u671f\u3067\u3059\u3002\u5148\u53d6\u308a\u5f8c\u306e\u6b8b\u9ad8\u3092\u898b\u3066\u300c\u4eca\u6708\u306f\u307e\u3060\u4f59\u88d5\u304c\u3042\u308b\u300d\u3068\u932f\u899a\u3057\u3001\u666e\u6bb5\u3088\u308a\u8ca1\u5e03\u306e\u7d10\u304c\u7de9\u307f\u307e\u3059\u3002<\/p>\n<p>\u3053\u306e\u6642\u671f\u306b\u4f7f\u3044\u3059\u304e\u308b\u3068\u3001\u6708\u5f8c\u534a\u3067\u751f\u6d3b\u8cbb\u304c\u8db3\u308a\u306a\u304f\u306a\u308a\u3001\u5148\u53d6\u308a\u5206\u3092\u5d29\u3059\u3002\u3068\u3044\u3046\u60aa\u5faa\u74b0\u306b\u5165\u308a\u307e\u3059\u3002\u7d66\u6599\u65e5\u76f4\u5f8c\u306e\u652f\u51fa\u3053\u305d\u3001\u5b9f\u306f\u6700\u3082\u6ce8\u610f\u304c\u5fc5\u8981\u306a\u30bf\u30a4\u30df\u30f3\u30b0\u306a\u306e\u3067\u3059\u3002<\/p>\n<h2>\u3042\u306a\u305f\u306e\u5931\u6557\u30d1\u30bf\u30fc\u30f3\u3092\u7279\u5b9a\u3059\u308b\u81ea\u5df1\u8a3a\u65ad\u30c1\u30e3\u30fc\u30c8<\/h2>\n<p>\u5931\u6557\u30d1\u30bf\u30fc\u30f3\u304c\u308f\u304b\u308c\u3070\u3001\u5bfe\u7b56\u306e\u512a\u5148\u9806\u4f4d\u304c\u898b\u3048\u3066\u304d\u307e\u3059\u3002\u4ee5\u4e0b\u306e3\u3064\u306e\u8cea\u554f\u306b\u300c\u306f\u3044\u300d\u304b\u300c\u3044\u3044\u3048\u300d\u3067\u7b54\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<div 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class=\"st-in-mybox\">\n<h4>Q1\uff1a\u5148\u53d6\u308a\u8caf\u91d1\u3092\u59cb\u3081\u308b\u3068\u3001\u6700\u521d\u306e1\u301c2\u30f6\u6708\u3067\u632b\u6298\u3059\u308b\u3053\u3068\u304c\u591a\u3044<\/h4>\n<p>\u2192\u306f\u3044\u306e\u5834\u5408\uff1a\u8a2d\u5b9a\u984d\u904e\u5927\u578b\u306e\u53ef\u80fd\u6027\u304c\u9ad8\u3044<\/p>\n<h4>Q2\uff1a\u8caf\u91d1\u53e3\u5ea7\u306e\u6b8b\u9ad8\u30921\u30f6\u6708\u4ee5\u4e0a\u78ba\u8a8d\u3057\u3066\u3044\u306a\u3044<\/h4>\n<p>\u2192\u306f\u3044\u306e\u5834\u5408\uff1a\u53ef\u8996\u5316\u4e0d\u8db3\u578b\u306e\u53ef\u80fd\u6027\u304c\u9ad8\u3044<\/p>\n<h4>Q3\uff1a\u7d66\u6599\u65e5\u304b\u3089\u6570\u65e5\u4ee5\u5185\u306b\u3054\u8912\u7f8e\u3068\u3057\u3066\u8cb7\u3044\u7269\u3092\u3059\u308b\u3053\u3068\u304c\u591a\u3044<\/h4>\n<p>\u2192\u306f\u3044\u306e\u5834\u5408\uff1a\u4f59\u88d5\u932f\u899a\u578b\u306e\u53ef\u80fd\u6027\u304c\u9ad8\u3044<\/p>\n<\/div><\/div>\n<h3>\u8a3a\u65ad\u7d50\u679c\u5225\uff1a\u512a\u5148\u3059\u3079\u304d\u5bfe\u7b56\u306e\u898b\u6975\u3081\u65b9<\/h3>\n<p><span class=\"st-mymarker-s\">\u8a2d\u5b9a\u984d\u904e\u5927\u578b<\/span>\u306f\u3001\u91d1\u984d\u3092\u898b\u76f4\u3059\u524d\u306b\u300c\u306a\u305c\u9ad8\u304f\u8a2d\u5b9a\u3057\u305f\u306e\u304b\u300d\u3092\u632f\u308a\u8fd4\u308b\u3053\u3068\u304c\u91cd\u8981\u3067\u3059\u3002\u300c\u65e9\u304f\u8caf\u3081\u305f\u3044\u300d\u3068\u3044\u3046\u7126\u308a\u304c\u6839\u5e95\u306b\u3042\u308b\u5834\u5408\u3001\u91d1\u984d\u3060\u3051\u4e0b\u3052\u3066\u3082\u540c\u3058\u5931\u6557\u3092\u7e70\u308a\u8fd4\u3057\u307e\u3059\u3002<\/p>\n<p><span class=\"st-mymarker-s\">\u53ef\u8996\u5316\u4e0d\u8db3\u578b<\/span>\u306f\u3001\u8caf\u91d1\u306e\u300c\u898b\u3048\u308b\u5316\u300d\u3092\u512a\u5148\u3057\u3066\u304f\u3060\u3055\u3044\u3002<br \/>\n\u4e00\u65b9\u3001<span class=\"st-mymarker-s\">\u4f59\u88d5\u932f\u899a\u578b<\/span>\u306f\u9006\u306b\u300c\u898b\u3048\u306a\u3044\u5316\u300d\u304c\u6709\u52b9\u3067\u3059\u3002\u30bf\u30a4\u30d7\u306b\u3088\u3063\u3066\u5bfe\u7b56\u304c\u771f\u9006\u306b\u306a\u308b\u305f\u3081\u3001\u81ea\u5df1\u8a3a\u65ad\u306a\u3057\u306b\u4e00\u822c\u7684\u306a\u30a2\u30c9\u30d0\u30a4\u30b9\u3092\u53d6\u308a\u5165\u308c\u3066\u3082\u52b9\u679c\u304c\u51fa\u306b\u304f\u3044\u306e\u3067\u3059\u3002<\/p>\n<h2>\u6d6a\u8cbb\u5bb6\u304c\u5148\u53d6\u308a\u8caf\u91d1\u3092\u4ed5\u7d44\u307f\u3067\u6210\u529f\u3055\u305b\u308b4\u3064\u306e\u8a2d\u8a08\u539f\u5247<\/h2>\n<p>\u610f\u5fd7\u529b\u306b\u983c\u308b\u65b9\u6cd5\u306f\u3001\u3069\u3053\u304b\u3067\u5fc5\u305a\u9650\u754c\u304c\u6765\u307e\u3059\u3002\u5b9f\u969b\u306b\u8caf\u84c4\u3092\u5897\u3084\u305b\u3066\u3044\u308b\u65b9\u306f\u300c\u9811\u5f35\u3063\u3066\u3044\u308b\u300d\u306e\u3067\u306f\u306a\u304f\u3001\u9811\u5f35\u3089\u306a\u304f\u3066\u3082\u7d9a\u304f\u4ed5\u7d44\u307f\u3092\u4f5c\u3063\u3066\u3044\u307e\u3059\u3002<\/p>\n<p>\u91d1\u878d\u5e83\u5831\u4e2d\u592e\u59d4\u54e1\u4f1a\u306e\u300c<a href=\"https:\/\/www.shiruporuto.jp\/public\/document\/container\/yoron\/futari2021-\/2023\/\">\u5bb6\u8a08\u306e\u91d1\u878d\u884c\u52d5\u306b\u95a2\u3059\u308b\u4e16\u8ad6\u8abf\u67fb\uff08\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u30fb2023\u5e74\uff09<\/a>\u300d\u3067\u3082\u3001\u91d1\u878d\u8cc7\u7523\u304c\u5897\u3048\u305f\u4e16\u5e2f\u306e\u3046\u3061\u300c\u5b9a\u4f8b\u7684\u306a\u53ce\u5165\u304b\u3089\u8caf\u84c4\u3059\u308b\u5272\u5408\u3092\u5f15\u304d\u4e0a\u3052\u305f\u300d\u3068\u7b54\u3048\u305f\u5272\u5408\u306f\u5168\u4f53\u306721.6%\u3002\u5e74\u4ee3\u5225\u306b\u898b\u308b\u3068\u82e5\u3044\u4e16\u4ee3\u307b\u3069\u305d\u306e\u5272\u5408\u304c\u9ad8\u304f\u3001\u4ed5\u7d44\u307f\u3092\u898b\u76f4\u3059\u3053\u3068\u3067\u8cc7\u7523\u3092\u5897\u3084\u3057\u3066\u3044\u308b\u4e16\u5e2f\u304c\u4e00\u5b9a\u6570\u3044\u308b\u3053\u3068\u304c\u308f\u304b\u308a\u307e\u3059\u3002<\/p>\n<table>\n<thead>\n<tr>\n<th>\u4e16\u5e2f\u4e3b\u306e\u5e74\u4ee3<\/th>\n<th>\u8caf\u84c4\u5272\u5408\u3092\u5f15\u304d\u4e0a\u3052\u305f\u4e16\u5e2f\u306e\u5272\u5408<\/th>\n<\/tr>\n<\/thead>\n<tbody>\n<tr>\n<td>20\u4ee3<\/td>\n<td>37.0%<\/td>\n<\/tr>\n<tr>\n<td>30\u4ee3<\/td>\n<td>28.3%<\/td>\n<\/tr>\n<tr>\n<td>40\u4ee3<\/td>\n<td>21.3%<\/td>\n<\/tr>\n<tr>\n<td>50\u4ee3<\/td>\n<td>19.2%<\/td>\n<\/tr>\n<tr>\n<td>60\u4ee3<\/td>\n<td>20.3%<\/td>\n<\/tr>\n<tr>\n<td>70\u4ee3<\/td>\n<td>18.5%<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><small>\u51fa\u5178\uff1a<a href=\"https:\/\/www.shiruporuto.jp\/public\/document\/container\/yoron\/futari2021-\/2023\/\">\u91d1\u878d\u5e83\u5831\u4e2d\u592e\u59d4\u54e1\u4f1a\u300c\u5bb6\u8a08\u306e\u91d1\u878d\u884c\u52d5\u306b\u95a2\u3059\u308b\u4e16\u8ad6\u8abf\u67fb\uff3b\u4e8c\u4eba\u4ee5\u4e0a\u4e16\u5e2f\u8abf\u67fb\uff3d\u300d\uff082023\u5e74\uff09<\/a>\uff0f\u91d1\u878d\u8cc7\u7523\u4fdd\u6709\u4e16\u5e2f\u306e\u3046\u3061\u91d1\u878d\u8cc7\u7523\u6b8b\u9ad8\u304c\u5897\u3048\u305f\u4e16\u5e2f\u304c\u5bfe\u8c61\u3000\u203b\u539f\u5178Excel\u30c7\u30fc\u30bf\uff08per22301.xlsx\u30fb\u554f8(a)\uff09\u3088\u308a<\/small><\/p>\n<p>\u30a6\u30a3\u30ba\u30de\u30cd\u7de8\u96c6\u90e8\u306b\u5bc4\u305b\u3089\u308c\u308b\u76f8\u8ac7\u306e\u4e2d\u306b\u306f\u3001<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon2\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/02\/22222.jpg\" alt=\"\u76f8\u8ac7\u8005\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">\u76f8\u8ac7\u8005<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u9ad8\u53ce\u5165\u306a\u306e\u306b\u6bce\u6708\u5168\u90e8\u4f7f\u3044\u5207\u3063\u3066\u3057\u307e\u3063\u3066\u3001\u5148\u53d6\u308a\u8caf\u91d1\u3082\u4f55\u5ea6\u3082\u5d29\u3057\u3066\u3057\u307e\u3046\u3093\u3067\u3059<\/div>\r\n\t<\/div>\r\n<\/div>\n<p>\u3068\u3044\u3046\u58f0\u3082\u3042\u308a\u307e\u3059\u3002<\/p>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u305d\u3046\u3044\u3063\u305f\u9ad8\u53ce\u5165\u6d6a\u8cbb\u5bb6\u306e\u76f8\u8ac7\u8005\u69d8\u3067\u3082\u3001\u7d66\u4e0e\u632f\u8fbc\u53e3\u5ea7\u3068\u751f\u6d3b\u8cbb\u53e3\u5ea7\u3092\u5206\u3051\u3066\u3001\u5165\u91d1\u76f4\u5f8c\u306b\u81ea\u52d5\u3067\u79fb\u3059\u4ed5\u7d44\u307f\u3092\u4f5c\u3063\u305f\u3053\u3068\u3067\u5d29\u3055\u305a\u306b\u7d9a\u3051\u3089\u308c\u308b\u3088\u3046\u306b\u306a\u3063\u305f\u30b1\u30fc\u30b9\u304c\u3042\u308a\u307e\u3059\u3088\u3002\u5148\u53d6\u308a\u984d\u3092\u610f\u8b58\u3055\u305b\u306a\u3044\u8a2d\u8a08\u306e\u307b\u3046\u304c\u3001\u610f\u5fd7\u529b\u3067\u6211\u6162\u3059\u308b\u3088\u308a\u7d9a\u304d\u3084\u3059\u3044\u3093\u3067\u3059\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<h3>\u539f\u52471\uff1a\u5148\u53d6\u308a\u984d\u306f\u300c\u7269\u8db3\u308a\u306a\u3044\u300d\u3068\u611f\u3058\u308b\u984d\u304b\u3089\u59cb\u3081\u308b<\/h3>\n<p>\u6d6a\u8cbb\u50be\u5411\u306e\u3042\u308b\u65b9\u304c\u5148\u53d6\u308a\u8caf\u91d1\u3067\u6210\u529f\u3059\u308b\u30b3\u30c4\u306f\u3001\u300c\u3053\u308c\u3060\u3051\uff1f\u300d\u3068\u601d\u3046\u984d\u304b\u3089\u30b9\u30bf\u30fc\u30c8\u3059\u308b\u3053\u3068\u3067\u3059\u3002\u4e00\u822c\u7684\u306b\u306f\u624b\u53d6\u308a\u306e10\u301c20%\u304c\u76ee\u5b89\u3068\u3055\u308c\u3066\u3044\u307e\u3059\u304c\u3001\u6d6a\u8cbb\u50be\u5411\u306e\u3042\u308b\u65b9\u304c\u3044\u304d\u306a\u308a\u305d\u306e\u6c34\u6e96\u3092\u76ee\u6307\u3059\u3068\u632b\u6298\u3057\u3084\u3059\u304f\u306a\u308a\u307e\u3059\u3002\u307e\u305a\u306f<strong>\u624b\u53d6\u308a\u306e5\u301c10%<\/strong>\u3092\u76ee\u5b89\u306b\u8a2d\u5b9a\u3057\u30013\u30f6\u6708\u7d9a\u3044\u305f\u3089\u5c11\u3057\u305a\u3064\u4e0a\u3052\u3066\u3044\u304f\u6bb5\u968e\u8a2d\u8a08\u304c\u304a\u3059\u3059\u3081\u3067\u3059\u3002<\/p>\n<p>\u624b\u53d6\u308a20\u4e07\u5186\u306a\u3089\u67081\u301c2\u4e07\u5186\u304b\u3089\u30023\u30f6\u6708\u30673\u301c6\u4e07\u5186\u30011\u5e74\u306712\u301c24\u4e07\u5186\u3067\u3059\u3002\u632b\u6298\u3057\u30660\u5186\u306b\u306a\u308b\u3088\u308a\u3001\u78ba\u5b9f\u306b\u7a4d\u307f\u4e0a\u304c\u308a\u307e\u3059\u3002<\/p>\n<h3>\u539f\u52472\uff1a\u8caf\u91d1\u53e3\u5ea7\u306e\u300c\u898b\u3048\u306a\u3044\u5316\u300d\u3068\u300c\u898b\u3048\u308b\u5316\u300d\u3092\u4f7f\u3044\u5206\u3051\u308b<\/h3>\n<p>\u666e\u6bb5\u306f\u6b8b\u9ad8\u3092\u898b\u306a\u3044\u53e3\u5ea7\u306b\u5148\u53d6\u308a\u3057\u3001\u6708\u306b1\u56de\u3060\u3051\u78ba\u8a8d\u3059\u308b\u3002\u3053\u308c\u304c\u57fa\u672c\u306e\u4ed5\u7d44\u307f\u3067\u3059\u3002\u983b\u7e41\u306b\u898b\u308b\u3068\u300c\u3053\u3093\u306a\u306b\u3042\u308b\u306a\u3089\u5c11\u3057\u4f7f\u3063\u3066\u3082\u300d\u3068\u3044\u3046\u8a98\u60d1\u304c\u751f\u307e\u308c\u307e\u3059\u3002<\/p>\n<p>\u305f\u3060\u3057\u3001\u53ef\u8996\u5316\u4e0d\u8db3\u578b\u306e\u65b9\u306f\u9006\u52b9\u679c\u306b\u306a\u308b\u3053\u3068\u3082\u3002\u305d\u306e\u5834\u5408\u306f\u3001\u67081\u56de\u306e\u78ba\u8a8d\u6642\u306b\u6b8b\u9ad8\u3092\u30b0\u30e9\u30d5\u5316\u3059\u308b\u306a\u3069\u3001\u5897\u3048\u3066\u3044\u308b\u5b9f\u611f\u3092\u5f97\u3089\u308c\u308b\u5de5\u592b\u3092\u52a0\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h3>\u539f\u52473\uff1a\u7d66\u6599\u65e5\u304b\u30893\u65e5\u9593\u306e\u4f7f\u9014\u8a18\u9332\u3060\u3051\u3092\u7fd2\u6163\u5316\u3059\u308b<\/h3>\n<p>\u5b8c\u74a7\u306a\u5bb6\u8a08\u7c3f\u306f\u7d9a\u304d\u307e\u305b\u3093\u3002\u4ee3\u308f\u308a\u306b\u3001\u7d66\u6599\u65e5\u304b\u30893\u65e5\u9593\u3060\u3051\u652f\u51fa\u3092\u8a18\u9332\u3057\u3066\u304f\u3060\u3055\u3044\u3002\u3053\u306e\u671f\u9593\u306b\u6d6a\u8cbb\u30d1\u30bf\u30fc\u30f3\u304c\u96c6\u4e2d\u3057\u3084\u3059\u3044\u305f\u3081\u3001\u5168\u4f53\u3092\u628a\u63e1\u3059\u308b\u3088\u308a\u52b9\u7387\u7684\u3067\u3059\u3002<\/p>\n<p>\u8a18\u9332\u3059\u308b\u306e\u306f\u91d1\u984d\u3068\u8cfc\u5165\u3057\u305f\u3082\u306e\u3060\u3051\u3067\u5341\u5206\u30023\u30f6\u6708\u7d9a\u3051\u308b\u3068\u3001\u81ea\u5206\u306e\u6d6a\u8cbb\u30c8\u30ea\u30ac\u30fc\u304c\u660e\u78ba\u306b\u898b\u3048\u3066\u304d\u307e\u3059\u3002<\/p>\n<h3>\u539f\u52474\uff1a\u5f15\u304d\u51fa\u3057\u306b\u304f\u3044\u53e3\u5ea7\u3092\u300c\u3042\u3048\u3066\u300d\u9078\u3076<\/h3>\n<p>\u6d6a\u8cbb\u50be\u5411\u306e\u3042\u308b\u65b9\u306b\u306f\u300c\u5f15\u304d\u51fa\u3057\u306b\u304f\u3055\u300d\u3092\u57fa\u6e96\u306b\u53e3\u5ea7\u3092\u9078\u3076\u3053\u3068\u3092\u304a\u3059\u3059\u3081\u3057\u307e\u3059\u3002\u624b\u6570\u6599\u306e\u5b89\u3055\u3088\u308a\u3001ATM\u304c\u8fd1\u304f\u306b\u306a\u3044\u9280\u884c\u3084\u30cd\u30c3\u30c8\u9280\u884c\u3067\u5f15\u304d\u51fa\u3057\u306b\u4e00\u624b\u9593\u304b\u304b\u308b\u53e3\u5ea7\u306e\u307b\u3046\u304c\u5d29\u3057\u306b\u304f\u304f\u306a\u308a\u307e\u3059\u3002<\/p>\n<p>\u751f\u6d3b\u9632\u885b\u8cc7\u91d1\uff08\u751f\u6d3b\u8cbb\u306e<strong>3\u301c6\u30f6\u6708\u5206<\/strong>\u304c\u76ee\u5b89\uff09\u306f\u666e\u901a\u9810\u91d1\u3067\u78ba\u4fdd\u3057\u3001\u305d\u308c\u3092\u8d85\u3048\u305f\u5206\u3092\u5b9a\u671f\u9810\u91d1\u306b\u56de\u3059\u8a2d\u8a08\u304c\u30d0\u30e9\u30f3\u30b9\u306e\u53d6\u308c\u305f\u65b9\u6cd5\u3067\u3059\u3002\u4f1a\u793e\u54e1\u306a\u30893\u30f6\u6708\u5206\u3001\u81ea\u55b6\u696d\u306e\u65b9\u306f6\u30f6\u6708\u301c1\u5e74\u5206\u3092\u76ee\u5b89\u306b\u3057\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<h2>\u632b\u6298\u5f8c\u306e\u30ea\u30ab\u30d0\u30ea\u30fc \u5931\u6557\u3092\u6b21\u306e\u8a2d\u5b9a\u306b\u6d3b\u304b\u3059\u65b9\u6cd5<\/h2>\n<p>\u5148\u53d6\u308a\u8caf\u91d1\u306f\u3001\u6700\u521d\u306e\u8a2d\u5b9a\u304c\u3074\u3063\u305f\u308a\u30cf\u30de\u308b\u3053\u3068\u306e\u307b\u3046\u304c\u307e\u308c\u3067\u3059\u3002\u4f55\u5ea6\u304b\u8a66\u884c\u932f\u8aa4\u3057\u306a\u304c\u3089\u81ea\u5206\u306b\u5408\u3063\u305f\u91d1\u984d\u3084\u30bf\u30a4\u30df\u30f3\u30b0\u3092\u898b\u3064\u3051\u3066\u3044\u304f\u3082\u306e\u3060\u3068\u8003\u3048\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<p>\u632b\u6298\u3057\u305f\u3068\u304d\u306b\u6700\u3082\u3084\u3063\u3066\u306f\u3044\u3051\u306a\u3044\u306e\u306f\u300c\u81ea\u5206\u306f\u30c0\u30e1\u3060\u300d\u3068\u8ae6\u3081\u308b\u3053\u3068\u3002\u5931\u6557\u306f\u300c\u3053\u306e\u8a2d\u5b9a\u306f\u81ea\u5206\u306b\u5408\u3063\u3066\u3044\u306a\u304b\u3063\u305f\u300d\u3068\u3044\u3046\u8cb4\u91cd\u306a\u60c5\u5831\u3067\u3059\u3002<\/p>\n<h3>\u5931\u6557\u7fcc\u65e5\u306b\u3084\u308b\u3079\u304d3\u3064\u306e\u30a2\u30af\u30b7\u30e7\u30f3<\/h3>\n<div class=\"st-mybox  has-title \" style=\"background:#fafafa;border-color:#BDBDBD;border-width:2px;border-radius:5px;margin: 25px 0;\"><p class=\"st-mybox-title\" style=\"color:#757575;font-weight:bold;text-shadow: #fff 3px 0px 0px, #fff 2.83487px 0.981584px 0px, #fff 2.35766px 1.85511px 0px, #fff 1.62091px 2.52441px 0px, #fff 0.705713px 2.91581px 0px, #fff -0.287171px 2.98622px 0px, #fff -1.24844px 2.72789px 0px, #fff -2.07227px 2.16926px 0px, #fff -2.66798px 1.37182px 0px, #fff -2.96998px 0.42336px 0px, #fff -2.94502px -0.571704px 0px, #fff -2.59586px -1.50383px 0px, #fff -1.96093px -2.27041px 0px, #fff -1.11013px -2.78704px 0px, #fff -0.137119px -2.99686px 0px, #fff 0.850987px -2.87677px 0px, #fff 1.74541px -2.43999px 0px, #fff 2.44769px -1.73459px 0px, #fff 2.88051px -0.838246px 0px;background: linear-gradient(0deg,#fafafa 0%,#fafafa 55%,rgba(0,0,0,0) 55%,rgba(0,0,0,0) 100%);\"><i class=\"st-fa st-svg-list-ol st-css-no\" aria-hidden=\"true\"><\/i>\u30ea\u30ab\u30d0\u30ea\u30fc\u624b\u9806<\/p><div class=\"st-in-mybox\">\n<h4>\u2460\u632b\u6298\u3057\u305f\u91d1\u984d\u3068\u7406\u7531\u30921\u884c\u3060\u3051\u8a18\u9332\u3059\u308b<\/h4>\n<p>\u300c2\u4e07\u5186\u5d29\u3057\u305f\u3002\u53cb\u4eba\u3068\u306e\u98df\u4e8b\u304c\u7d9a\u3044\u305f\u300d\u306a\u3069\u3001\u4e8b\u5b9f\u3060\u3051\u3092\u30e1\u30e2\u3057\u307e\u3059\u3002<\/p>\n<h4>\u2461\u5148\u53d6\u308a\u984d\u3092\u7121\u7406\u306e\u306a\u3044\u6c34\u6e96\u306b\u4e0b\u3052\u308b<\/h4>\n<p>\u305f\u3068\u3048\u3070\u67083\u4e07\u5186\u3067\u5931\u6557\u3057\u305f\u306a\u3089\u3001\u67081.5\u301c2\u4e07\u5186\u306b\u4e0b\u3052\u3066\u307f\u308b\u3002\u7d9a\u3051\u3089\u308c\u308b\u91d1\u984d\u307e\u3067\u4e0b\u3052\u308b\u3053\u3068\u304c\u5927\u5207\u3067\u3059\u3002<\/p>\n<h4>\u2462\u6b21\u306e\u7d66\u6599\u65e5\u307e\u3067\u81ea\u5df1\u5426\u5b9a\u3092\u7981\u6b62\u3059\u308b<\/h4>\n<p>\u53cd\u7701\u306f1\u884c\u30e1\u30e2\u3067\u5b8c\u4e86\u3002\u305d\u308c\u4ee5\u4e0a\u306f\u300c\u8a2d\u8a08\u3092\u898b\u76f4\u3059\u6750\u6599\u304c\u3067\u304d\u305f\u300d\u3068\u3060\u3051\u8003\u3048\u307e\u3059\u3002<\/p>\n<\/div><\/div>\n<div class=\"st-kaiwa-box clearfix kaiwaicon1\">\r\n\t<div class=\"st-kaiwa-face\"><img decoding=\"async\" src=\"https:\/\/wismoney.jp\/chokin\/expert\/wp-content\/uploads\/2026\/01\/1111-300x300.jpg\" alt=\"FP\" width=\"100\" height=\"100\">\r\n\t\t<div class=\"st-kaiwa-face-name\">FP<\/div>\r\n\t<\/div>\r\n\t<div class=\"st-kaiwa-area\">\r\n\t\t<div class=\"st-kaiwa-hukidashi\">\u5931\u6557\u306e\u56de\u6570\u306f\u554f\u984c\u3067\u306f\u3042\u308a\u307e\u305b\u3093\u3002\u5927\u4e8b\u306a\u306e\u306f\u300c\u306a\u305c\u5d29\u3057\u305f\u304b\u300d\u30921\u884c\u30e1\u30e2\u306b\u6b8b\u3057\u3066\u3001\u6b21\u306e\u5148\u53d6\u308a\u984d\u306b\u53cd\u6620\u3059\u308b\u3053\u3068\u3002\u5bb6\u8a08\u76f8\u8ac7\u3067\u3082\u3001\u6700\u521d\u304b\u3089\u5b8c\u74a7\u306b\u3044\u304f\u65b9\u306f\u307b\u3068\u3093\u3069\u3044\u307e\u305b\u3093\u3002\u8a2d\u5b9a\u3092\u4f55\u5ea6\u304b\u898b\u76f4\u3059\u30d7\u30ed\u30bb\u30b9\u305d\u306e\u3082\u306e\u304c\u3001\u9577\u304f\u7d9a\u3051\u308b\u529b\u306b\u306a\u308a\u307e\u3059\u3088\u3002<\/div>\r\n\t<\/div>\r\n<\/div>\n<h3>\u6d6a\u8cbb\u3092\u8a98\u767a\u3059\u308b\u74b0\u5883\u3092\u30c1\u30a7\u30c3\u30af\u3059\u308b<\/h3>\n<p>\u5148\u53d6\u308a\u8caf\u91d1\u306e\u8a2d\u5b9a\u3092\u898b\u76f4\u3059\u524d\u306b\u3001\u305d\u3082\u305d\u3082\u6d6a\u8cbb\u3057\u3084\u3059\u3044\u74b0\u5883\u306b\u306a\u3063\u3066\u3044\u306a\u3044\u304b\u3092\u78ba\u8a8d\u3057\u3066\u307f\u3066\u304f\u3060\u3055\u3044\u3002<\/p>\n<div 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aria-hidden=\"true\"><\/i>\u74b0\u5883\u30c1\u30a7\u30c3\u30af\u30ea\u30b9\u30c8<\/p><div 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