Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “4500-day retirement countdown calendar” and shared in detail her early retirement plan and her usual financial management skills. She hopes to save enough of her target amount of 2 million yuan and live a life of living everywhere in the future. This series of posts has been popular among netizens, and many people find it interesting, but there are also many Komiks who questioned the feasibility of the plan.
Target: When you retire after 4500 days, you are less than 40 years old
BabaylanXiao Gu released this “4500-day countdown retirement calendar” on March 13. “In order to objectively understand how far I am from early retirement fire, I made a 4500-day countdown retirement countdownBabaylan calendar. I read that right, 4Komiks500 days, which totaled half of me was so high. A total of 4,500 small grids were cut, and I spent a week. The countdown started in more than 4,000 days. Maybe some people would feel bored, but for me, at least the pace of time is moving forward, and I am constantly moving towards the life I want. “
On the evening of March 17, the reporter contacted Xiao Gu. According to her, she is a native of Changsha and is 24 years old this year. Why do you have the idea of retirement early at such a young age? She said: “I came up with this idea about two years ago. I accidentally learned about the fire group. Their concept of “save money first, enjoy it later” attracted me. I also addedef=”https://comicmov.com/”>Komiks joined the ‘fire life’ group on Douban, with a total of more than 220,000 members. Everyone usually exchanges various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days for retirement was not long ago. I calculated that I saved up enough to have a target amount of 2 million yuan, which would take about 13 years. I was 37 years old at that time. To motivate and remind myself, I made this countdown calendar. ”
Xiao Gu said that fire does not mean the English word “fire”, but the abbreviation of the first letter of the four English words “Financial independence, retire early”. This group adheres to the concept of “save money first, enjoy it later”, by reducing material desires, living a minimalist life, and using investment income to cover daily expenses, so as to have the confidence to pursue the lifestyle they like, “I am not rejecting work, but I don’t like the unchanging work.” I want to freely control my life and dominate my time. Even if you retire early in 4500 days, it doesn’t mean you’re completely out of work. You may set up a stall or write articles, just like a travel blogger. ”
Advocating minimalism: no luxury goods, no mobile phones have been replaced for many years
I also shared many posts on Xiaogu’s social platform on Xiaogu’s own Komiks‘s social platform, such as the post shared on March 15 with “Salary of 8,000 and 7985, but only 15 yuan spent in March”. This post records in detail how Xiaogu did it until only spent 15 yuan in March: living, no mortgage for the house, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation expenses, this part of the cost is almost equal to her monthly financial management income, which is exactly the same; eating, drinking, breakfast and lunch are in Komiks company solves it for free. For a few days, I ate snail noodles that cost 0 yuan for wool. The only expense was that I bought 15 yuan for shopping in the supermarket and ate it for a few nights. Daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained from wool. Skin care products and cosmetics were purchased at one time every Double Eleven every year, and there was no need to buy them at other times. In addition, she hung all the idle clothes on salted fish, and sold a total of 116 bed sheets and a skirt.Yuan. If she counts this way, she not only did not spend money in the first half of March, but also made more than 100 yuan. On March 16, Xiao Gu posted another day’s consumption account: Today’s interest income is 10 yuan, and it costs 2.28 yuan. Her breakfast and lunch that day were also solved by the company. The dinner was a pack of old Beijing instant noodles, plus a fried egg, a small bag of French fries, three big white rabbit milk candies, a cup of milk tea, and a piece of pineapple. Netizens sighed, “You are really a good expert in saving money”, “This noodles look delicious”… Some netizens also commented under Xiaogu’s post: “This is already financially free”, “I hope to share some tips for saving money in the future”, etc.
Xiao Gu said that he now advocates minimalism and his daily consumption is indeed very low, so he will not make any risky investments. “I don’t have any luxury goods or some expensive electronic products. I have used more than 2,000 yuan for a mobile phone for two or three years.”
In addition to getting a salary at work, Xiaogu also showed off his investment and financial management plan, including the funds he purchased. She said that her total assets are currently 656,000 yuan, completing 32.8% of the Komiks degree. With her parents’ sponsorship, she spent 500,000 yuan to buy an apartment in Changsha, with a monthly rental income of 2,600 yuan, which can be regarded as a long-term income financial product. The remaining 156,000 yuan was all bought in a stable bond fund.
Family: Parents want stability, and their boyfriends also join the plan
What do parents think about their plan to retire early?
When the reporter interviewed Xiao Gu on the phone, her mother was right next to him. “My parents were very opposed at first because they couldn’t let me go to work, but they had to retire early. Anyway, they were thinking about it.In micmov.com/”>Cinema, I feel that working is stable. The reason why I try to save this money is not only to give them an explanation, but also to give myself a sense of security. I divide my life into the first half and the second half. The first half is for the people around me, and I will live for myself in the second half.” Xiao Gu said: “My boyfriend was also a traditional office worker at the beginning, and he wanted to work diligently until he was old. But after carefully studying my plan, I felt that the plan was very detailed and solid, not unrealistic. Finally, he was moved by me and joined in. Now we both have more common words.BabaylanBabaylan‘s speech. He now has made a similar retirement countdown to Cinema. ”
Source | Babaylan Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin