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 daily financial management skills, hoping 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 is popular among netizens. Many people find it interesting, but many people question the feasibility of the plan.
Target: When you retire in 4500 days, you are less than 40 years old
Xiao Gu released this “4500Cinemaday countdown retirement calendar” on March 13, “In order to objectively understand that I am still away from early retirement fireBabaylan entered, and I kept moving towards the life I wanted. “
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. The idea of ”save money first, enjoy it” was very attractive to me. I also joined the ‘fire life’ group on DoubanBabaylan.>Komiks, there are more than 220,000 members, and we usually share 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 Financial independence Retire eCinemaBabaylanarly, the abbreviation of the first letter of the four English words, meaning “financial independence, retire early”. This group pursues “save money first, The concept of enjoying after Komiks is reduced 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 I like. “I am not rejecting work, but I don’t like the unchanging workKomiks. 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 own social platform on Xiaogu’s own social platform, such as the post shared on March 15 with the title “Save 8,000 and 7985, CinemaI only spent 15 yuan in March”. This post details how Xiaogu did it until it only spent 15 yuan in March: living, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so I didn’t spend money; KomiksMobile phone bills and transportation fees, which are different. href=”https://comicmov.com/”>Komiks is not much equal to her monthly financial income, which is just about to offset; eating, drinking, breakfast and lunch are solved in the company, free. Dinner has been eaten for a few days. Cinema has 0 foods for several days.The only expense for snail noodles that can be fleece was that I bought 15 yuan ingredients for shopping in the supermarket and ate them for several nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained from fleece; 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 her idle clothes with salted fish, and the bed sheets and a skirt cost a total of 116 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 financially free”, “I hope Komiks 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 progress. With her parents’ sponsorship, Babaylan 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 property. The remaining 156,000 yuan was bought all of the stable Komiks bond funds.
Family: Parents want stability, and their boyfriends also join the plan
What do parents think about their plan to retire early?ef=”https://comicmov.com/”>Babaylan?
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 finally let me go to work, but they had to retire early. Anyway, they felt that working is stable. The reason why I tried to save this money was not only to give them an explanation, but also to give myself a sense of security. I divided my life into the first half and the second half. The first half was for the people around me, and I had to 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 href=”https://comicmov.com/”>Babaylan‘s very detailed and solid plan, not unrealistic. Finally, he was moved by me and joined in. Now we have more common language. He has also made a similar retirement countdown to the Cinema plan.”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video and other editor | Zheng Zongmin