Instead of using neither top-down nor bottom-up approaches, this study pro- poses an inside-out approach to deal with the issues of low birth rate and pop- ulation aging. The inside-out approach refers to inner transformation or becoming a new person that find expression in theological ethical living and human model. It is firmly based on the fact that only the Holy Spirit has the power to bring about a change in perspective on and attitude toward money, people, and world, as a result of inner transformation or becoming a new person. We will al- so examine how to tackle or overcome the limits and problems that are often caused in working (after retirement) mainly for financial reasons and govern- ment-led job creation project. The utilization plan for the middle- and old-aged manpower in an age of the 100-year life can be successfully carried out on the basis of transformational assets required for planning and living 4.0, 5.0- stage lives, which need to take transitions and receive reeducations.