{"id":765,"date":"2025-08-07T18:46:00","date_gmt":"2025-08-07T16:46:00","guid":{"rendered":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/"},"modified":"2025-08-07T18:46:00","modified_gmt":"2025-08-07T16:46:00","slug":"comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces","status":"publish","type":"post","link":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/","title":{"rendered":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d"},"content":{"rendered":"<article>\n<p>La r\u00e9forme des retraites pourrait-elle r\u00e9ellement compenser la baisse de revenus des seniors ? Alors que le gouvernement fran\u00e7ais poursuit sa refonte du syst\u00e8me, des millions de futurs retrait\u00e9s s&rsquo;interrogent sur leur pouvoir d&rsquo;achat. \u00ab\u00a0Avec l&rsquo;augmentation de l&rsquo;\u00e2ge l\u00e9gal, je crains de devoir travailler plus longtemps pour une pension moindre\u00a0\u00bb, confie Philippe, 58 ans, cadre dans l&rsquo;industrie automobile.<\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Sommaire<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-69f1069113620\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"ez-toc-cssicon\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-69f1069113620\" checked aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Un_systeme_sous_tension\" >Un syst\u00e8me sous tension<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Les_strategies_de_compensation\" >Les strat\u00e9gies de compensation<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Le_cas_des_professions_intermediaires\" >Le cas des professions interm\u00e9diaires<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Les_dispositifs_meconnus\" >Les dispositifs m\u00e9connus<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Leffet_domino_sur_leconomie\" >L&rsquo;effet domino sur l&rsquo;\u00e9conomie<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#Lalternative_des_territoires\" >L&rsquo;alternative des territoires<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Un_systeme_sous_tension\"><\/span>Un syst\u00e8me sous tension<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les derni\u00e8res projections de la <a href=\"https:\/\/www.strategie.gouv.fr\/\" target=\"_blank\" rel=\"noopener\">France Strat\u00e9gie<\/a> laisseraient entrevoir un recul moyen de 3 \u00e0 5% du niveau des pensions pour les g\u00e9n\u00e9rations concern\u00e9es par la r\u00e9forme. Cette baisse s&rsquo;expliquerait par l&rsquo;allongement de la dur\u00e9e de cotisation et le nouveau mode de calcul des droits.<\/p>\n<blockquote><p>\u00ab\u00a0Mon conseiller P\u00f4le Emploi m&rsquo;a sugg\u00e9r\u00e9 de cr\u00e9er une micro-entreprise pour compl\u00e9ter ma retraite. Mais \u00e0 63 ans, est-ce vraiment r\u00e9aliste ?\u00a0\u00bb<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Les_strategies_de_compensation\"><\/span>Les strat\u00e9gies de compensation<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Face \u00e0 cette perspective, plusieurs pistes \u00e9mergeraient pour maintenir son niveau de vie :<\/p>\n<ul>\n<li><strong>Le cumul emploi-retraite<\/strong> : Selon la DREES, pr\u00e8s de 12% des retrait\u00e9s actifs exerceraient d\u00e9j\u00e0 une activit\u00e9 r\u00e9mun\u00e9r\u00e9e<\/li>\n<li><strong>La location de biens immobiliers<\/strong> : Une solution pl\u00e9biscit\u00e9e par 23% des pr\u00e9-retrait\u00e9s interrog\u00e9s<\/li>\n<li><strong>Les placements d\u00e9fiscalis\u00e9s<\/strong> : Comme le PER ou l&rsquo;assurance-vie, avec des avantages fiscaux sp\u00e9cifiques<\/li>\n<\/ul>\n<h2><span class=\"ez-toc-section\" id=\"Le_cas_des_professions_intermediaires\"><\/span>Le cas des professions interm\u00e9diaires<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Les experts souligneraient un risque accru pour les salari\u00e9s non-cadres. \u00ab\u00a0Les m\u00e9tiers physiques ne permettent pas toujours de prolonger sa carri\u00e8re\u00a0\u00bb, explique Marie-Claude, ancienne aide-soignante. Son t\u00e9moignage est \u00e9difiant : \u00ab\u00a0Apr\u00e8s 30 ans de service, mes rhumatismes m&rsquo;ont forc\u00e9e \u00e0 cesser mon activit\u00e9. Ma pension ne couvre m\u00eame pas mon loyer.\u00a0\u00bb<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Les_dispositifs_meconnus\"><\/span>Les dispositifs m\u00e9connus<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Parmi les solutions peu exploit\u00e9es :<\/p>\n<ul>\n<li>La <strong>surcote<\/strong> (jusqu&rsquo;\u00e0 +20% pour 4 trimestres suppl\u00e9mentaires)<\/li>\n<li>Le <strong>rachat de trimestres<\/strong> pour les \u00e9tudes ou p\u00e9riodes d&rsquo;inactivit\u00e9<\/li>\n<li>Les <strong>aides locales<\/strong> comme les ch\u00e8ques \u00e9nergie ou transports<\/li>\n<\/ul>\n<p>Le minist\u00e8re du Travail rappelle d&rsquo;ailleurs que <a href=\"https:\/\/www.service-public.fr\/particuliers\/vosdroits\/F2285\" target=\"_blank\" rel=\"noopener\">certaines majorations<\/a> pour enfants ou conjoint survivant restent accessibles sous conditions.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Leffet_domino_sur_leconomie\"><\/span>L&rsquo;effet domino sur l&rsquo;\u00e9conomie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Cette baisse programm\u00e9e des pensions pourrait avoir des cons\u00e9quences insoup\u00e7onn\u00e9es :<\/p>\n<ul>\n<li>R\u00e9duction de la consommation des seniors (-8% estim\u00e9 sur les loisirs)<\/li>\n<li>Report de l&rsquo;\u00e2ge de d\u00e9part en maison de retraite<\/li>\n<li>D\u00e9veloppement du march\u00e9 des \u00ab\u00a0seniors jobs\u00a0\u00bb \u00e0 temps partiel<\/li>\n<\/ul>\n<blockquote><p>\u00ab\u00a0J&rsquo;ai d\u00fb revendre ma r\u00e9sidence secondaire en Bretagne. Sans cette r\u00e9forme, j&rsquo;aurais pu la transmettre \u00e0 mes petits-enfants\u00a0\u00bb, regrette Andr\u00e9, 67 ans.<\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Lalternative_des_territoires\"><\/span>L&rsquo;alternative des territoires<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Certaines r\u00e9gions testeraient des dispositifs innovants :<\/p>\n<ul>\n<li>En Occitanie, des ch\u00e8ques \u00ab\u00a0services \u00e0 la personne\u00a0\u00bb pour les retrait\u00e9s modestes<\/li>\n<li>En Bretagne, un syst\u00e8me d&rsquo;\u00e9change de comp\u00e9tences contre r\u00e9ductions<\/li>\n<li>En \u00cele-de-France, des colocations interg\u00e9n\u00e9rationnelles subventionn\u00e9es<\/li>\n<\/ul>\n<p>Ces initiatives locales montreraient qu&rsquo;il existe des alternatives pour att\u00e9nuer l&rsquo;impact financier de la r\u00e9forme. Reste \u00e0 savoir si elles pourront se g\u00e9n\u00e9raliser \u00e0 l&rsquo;\u00e9chelle nationale.<\/p>\n<p>Alors que le d\u00e9bat sur les retraites continue de diviser, une chose semble certaine : la g\u00e9n\u00e9ration charni\u00e8re des 50-60 ans devra probablement repenser compl\u00e8tement sa strat\u00e9gie financi\u00e8re pour ses vieux jours. Entre solutions individuelles et collectives, la qu\u00eate d&rsquo;un \u00e9quilibre \u00e9conomique s&rsquo;annonce comme le nouveau d\u00e9fi de la silver \u00e9conomie.<\/p>\n<\/article>\n\n\n<div class=\"kk-star-ratings kksr-auto kksr-align-center kksr-valign-bottom\"\n    data-payload='{&quot;align&quot;:&quot;center&quot;,&quot;id&quot;:&quot;765&quot;,&quot;slug&quot;:&quot;default&quot;,&quot;valign&quot;:&quot;bottom&quot;,&quot;ignore&quot;:&quot;&quot;,&quot;reference&quot;:&quot;auto&quot;,&quot;class&quot;:&quot;&quot;,&quot;count&quot;:&quot;0&quot;,&quot;legendonly&quot;:&quot;&quot;,&quot;readonly&quot;:&quot;&quot;,&quot;score&quot;:&quot;0&quot;,&quot;starsonly&quot;:&quot;&quot;,&quot;best&quot;:&quot;5&quot;,&quot;gap&quot;:&quot;5&quot;,&quot;greet&quot;:&quot;&quot;,&quot;legend&quot;:&quot;0\\\/5 - (0 vote)&quot;,&quot;size&quot;:&quot;24&quot;,&quot;title&quot;:&quot;Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d&quot;,&quot;width&quot;:&quot;0&quot;,&quot;_legend&quot;:&quot;{score}\\\/{best} - ({count} {votes})&quot;,&quot;font_factor&quot;:&quot;1.25&quot;}'>\n            \n<div class=\"kksr-stars\">\n    \n<div class=\"kksr-stars-inactive\">\n            <div class=\"kksr-star\" data-star=\"1\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"2\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"3\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"4\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" data-star=\"5\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n    \n<div class=\"kksr-stars-active\" style=\"width: 0px;\">\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n            <div class=\"kksr-star\" style=\"padding-right: 5px\">\n            \n\n<div class=\"kksr-icon\" style=\"width: 24px; height: 24px;\"><\/div>\n        <\/div>\n    <\/div>\n<\/div>\n                \n\n<div class=\"kksr-legend\" style=\"font-size: 19.2px;\">\n            <span class=\"kksr-muted\"><\/span>\n    <\/div>\n    <\/div>\n","protected":false},"excerpt":{"rendered":"<p>La r\u00e9forme des retraites pourrait-elle r\u00e9ellement compenser la baisse de revenus des seniors ? Alors que le gouvernement fran\u00e7ais poursuit sa refonte du syst\u00e8me, des millions de futurs retrait\u00e9s s&rsquo;interrogent sur leur pouvoir d&rsquo;achat. \u00ab\u00a0Avec l&rsquo;augmentation de l&rsquo;\u00e2ge l\u00e9gal, je crains de devoir travailler plus longtemps pour une pension moindre\u00a0\u00bb, confie Philippe, 58 ans, cadre &#8230; <a title=\"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d\" class=\"read-more\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/\" aria-label=\"En savoir plus sur Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d\">Lire plus<\/a><\/p>\n","protected":false},"author":1,"featured_media":766,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[8],"tags":[],"class_list":["post-765","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-a-la-une"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/\" \/>\n<meta property=\"og:locale\" content=\"fr_FR\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit\" \/>\n<meta property=\"og:description\" content=\"La r\u00e9forme des retraites pourrait-elle r\u00e9ellement compenser la baisse de revenus des seniors ? Alors que le gouvernement fran\u00e7ais poursuit sa refonte du syst\u00e8me, des millions de futurs retrait\u00e9s s&rsquo;interrogent sur leur pouvoir d&rsquo;achat. \u00ab\u00a0Avec l&rsquo;augmentation de l&rsquo;\u00e2ge l\u00e9gal, je crains de devoir travailler plus longtemps pour une pension moindre\u00a0\u00bb, confie Philippe, 58 ans, cadre ... Lire plus\" \/>\n<meta property=\"og:url\" content=\"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/\" \/>\n<meta property=\"og:site_name\" content=\"Rachat de Cr\u00e9dit\" \/>\n<meta property=\"article:published_time\" content=\"2025-08-07T16:46:00+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"1344\" \/>\n\t<meta property=\"og:image:height\" content=\"768\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Aurelien Boulanger\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"\u00c9crit par\" \/>\n\t<meta name=\"twitter:data1\" content=\"Aurelien Boulanger\" \/>\n\t<meta name=\"twitter:label2\" content=\"Dur\u00e9e de lecture estim\u00e9e\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"NewsArticle\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/\"},\"author\":{\"name\":\"Aurelien Boulanger\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\"},\"headline\":\"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d\",\"datePublished\":\"2025-08-07T16:46:00+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/\"},\"wordCount\":581,\"commentCount\":14,\"publisher\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-765-1754585170.jpg\",\"articleSection\":[\"A la une\"],\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/\",\"name\":\"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-765-1754585170.jpg\",\"datePublished\":\"2025-08-07T16:46:00+00:00\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#breadcrumb\"},\"inLanguage\":\"fr-FR\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#primaryimage\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-765-1754585170.jpg\",\"contentUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/08\\\/flux-765-1754585170.jpg\",\"width\":1344,\"height\":768},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#website\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\",\"name\":\"Rachat de Cr\u00e9dit\",\"description\":\"Guide Rachat de Cr\u00e9dit\",\"publisher\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"fr-FR\"},{\"@type\":\"Organization\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#organization\",\"name\":\"Rachat de Cr\u00e9dit\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/\",\"logo\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\",\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/rachat2credit.png\",\"contentUrl\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/wp-content\\\/uploads\\\/2025\\\/05\\\/rachat2credit.png\",\"width\":1222,\"height\":343,\"caption\":\"Rachat de Cr\u00e9dit\"},\"image\":{\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/logo\\\/image\\\/\"}},{\"@type\":\"Person\",\"@id\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/#\\\/schema\\\/person\\\/d4142086d07bc6acdc4722eabd955cc2\",\"name\":\"Aurelien Boulanger\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"fr-FR\",\"@id\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"url\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"contentUrl\":\"https:\\\/\\\/secure.gravatar.com\\\/avatar\\\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g\",\"caption\":\"Aurelien Boulanger\"},\"description\":\"Courtier en assurance et cr\u00e9dit. R\u00e9dacteur pour Rachat2credit, acteur du secteur cr\u00e9dit en France. Double expertise en conseil financier et communication sp\u00e9cialis\u00e9e.\",\"sameAs\":[\"https:\\\/\\\/rachat2credit.fr\\\/guide\"],\"url\":\"https:\\\/\\\/rachat2credit.fr\\\/guide\\\/author\\\/aurelien\\\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/","og_locale":"fr_FR","og_type":"article","og_title":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit","og_description":"La r\u00e9forme des retraites pourrait-elle r\u00e9ellement compenser la baisse de revenus des seniors ? Alors que le gouvernement fran\u00e7ais poursuit sa refonte du syst\u00e8me, des millions de futurs retrait\u00e9s s&rsquo;interrogent sur leur pouvoir d&rsquo;achat. \u00ab\u00a0Avec l&rsquo;augmentation de l&rsquo;\u00e2ge l\u00e9gal, je crains de devoir travailler plus longtemps pour une pension moindre\u00a0\u00bb, confie Philippe, 58 ans, cadre ... Lire plus","og_url":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/","og_site_name":"Rachat de Cr\u00e9dit","article_published_time":"2025-08-07T16:46:00+00:00","og_image":[{"width":1344,"height":768,"url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg","type":"image\/jpeg"}],"author":"Aurelien Boulanger","twitter_card":"summary_large_image","twitter_misc":{"\u00c9crit par":"Aurelien Boulanger","Dur\u00e9e de lecture estim\u00e9e":"3 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"NewsArticle","@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#article","isPartOf":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/"},"author":{"name":"Aurelien Boulanger","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/person\/d4142086d07bc6acdc4722eabd955cc2"},"headline":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d","datePublished":"2025-08-07T16:46:00+00:00","mainEntityOfPage":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/"},"wordCount":581,"commentCount":14,"publisher":{"@id":"https:\/\/rachat2credit.fr\/guide\/#organization"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#primaryimage"},"thumbnailUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg","articleSection":["A la une"],"inLanguage":"fr-FR","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/","url":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/","name":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d - Rachat de Cr\u00e9dit","isPartOf":{"@id":"https:\/\/rachat2credit.fr\/guide\/#website"},"primaryImageOfPage":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#primaryimage"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#primaryimage"},"thumbnailUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg","datePublished":"2025-08-07T16:46:00+00:00","breadcrumb":{"@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#breadcrumb"},"inLanguage":"fr-FR","potentialAction":[{"@type":"ReadAction","target":["https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/"]}]},{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#primaryimage","url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg","contentUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/08\/flux-765-1754585170.jpg","width":1344,"height":768},{"@type":"BreadcrumbList","@id":"https:\/\/rachat2credit.fr\/guide\/comment-compenser-la-baisse-de-revenus-a-la-retraite-avec-la-reforme-jai-reussi-a-maintenir-mon-niveau-de-vie-grace-a-ces-astuces\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/rachat2credit.fr\/guide\/"},{"@type":"ListItem","position":2,"name":"Comment compenser la baisse de revenus \u00e0 la retraite avec la r\u00e9forme \u201cj\u2019ai r\u00e9ussi \u00e0 maintenir mon niveau de vie gr\u00e2ce \u00e0 ces astuces\u201d"}]},{"@type":"WebSite","@id":"https:\/\/rachat2credit.fr\/guide\/#website","url":"https:\/\/rachat2credit.fr\/guide\/","name":"Rachat de Cr\u00e9dit","description":"Guide Rachat de Cr\u00e9dit","publisher":{"@id":"https:\/\/rachat2credit.fr\/guide\/#organization"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/rachat2credit.fr\/guide\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"fr-FR"},{"@type":"Organization","@id":"https:\/\/rachat2credit.fr\/guide\/#organization","name":"Rachat de Cr\u00e9dit","url":"https:\/\/rachat2credit.fr\/guide\/","logo":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/logo\/image\/","url":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/05\/rachat2credit.png","contentUrl":"https:\/\/rachat2credit.fr\/guide\/wp-content\/uploads\/2025\/05\/rachat2credit.png","width":1222,"height":343,"caption":"Rachat de Cr\u00e9dit"},"image":{"@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/logo\/image\/"}},{"@type":"Person","@id":"https:\/\/rachat2credit.fr\/guide\/#\/schema\/person\/d4142086d07bc6acdc4722eabd955cc2","name":"Aurelien Boulanger","image":{"@type":"ImageObject","inLanguage":"fr-FR","@id":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/32175434c9ca2b27bfeb905d1c3ec782a789caf494bc0ec8fa6ed0ee39c2e62a?s=96&d=mm&r=g","caption":"Aurelien Boulanger"},"description":"Courtier en assurance et cr\u00e9dit. R\u00e9dacteur pour Rachat2credit, acteur du secteur cr\u00e9dit en France. Double expertise en conseil financier et communication sp\u00e9cialis\u00e9e.","sameAs":["https:\/\/rachat2credit.fr\/guide"],"url":"https:\/\/rachat2credit.fr\/guide\/author\/aurelien\/"}]}},"_links":{"self":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts\/765","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/comments?post=765"}],"version-history":[{"count":0,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/posts\/765\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/media\/766"}],"wp:attachment":[{"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/media?parent=765"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/categories?post=765"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/rachat2credit.fr\/guide\/wp-json\/wp\/v2\/tags?post=765"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}