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 the 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 many people question the feasibility of the plan.
Target: Retirement in 4500 days is less than 40 years old
Xiao Gu released on March 13 CinemaThis “4500-day countdown retirement calendarKomiks“, “In order to objectively understand how far I am from early retirement fire, I made a 4,500-day retirement countdown calendar. I read that right, a total of 4,500 days, half of me is so high, and a total of 4,500 small grids were cut, and I spent a week. The countdown started after more than 4,000 days. Some people might feel bored, but for me, at least the pace of time is moving forward, and I keep moving towards what 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: “About 2 years ago, I accidentally learned about the fire group. Their concept of saving money first and enjoying it later is very attractive to me. I also joined the ‘firKomikseLife’ group on Douban, with more than 220,000 members. Everyone Komiks usually communicates various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days to retire was not long ago. I calculated that it would take nearly 13 years to save enough money to 2 million yuan. At that time, I was 37 years old. In order to motivate and remind myself, I made this countdown calendar. Komiks“Komiks“Cinema
Xiao Gu said,e does not mean the English word “fire”, but the abbreviation of the first four English words Babaylan, meaning “financial independence, early retirement”. This group pursues the concept of “save money first, enjoy it later”. By reducing material desires, living a simple life, using investment income to cover daily expenses, and thus having the confidence to pursue the lifestyle they like. “I am not rejecting work, but I don’t like the unchanging work of Cinema. I want to freely control my life and dominate my time. Even if I retire early in 4,500 days, it doesn’t mean that I just want to finish Babaylan href=”https://comicmov.com/”>Komiks is no longer working, and may set up stalls and write articles, like a travel blogger. “
Advocate 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 his own, such as the post “Salary of 8,000 and saved 7985, but I only spent 15 yuan in March” shared by Cinema on March 15. This post Komiks records in detail Komiks href=”https://comicmov.com/”>BabaylanThere was only 15 yuan in March: living, there was no mortgage on the house, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation expenses, which were almost equal to her monthly financial income, which was exactly the same; eating, drinking, breakfast and lunch were solved in the company, free of charge. There are a few days for dinner, which is 0 yuan for wool-fruit snail noodles. The only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate them for a few nights. Daily necessities, tissues, and cups of hand sanitizer, garbage bags, toothpaste, etc. are basically obtained by wool-fruit; skin care products and cosmetics are purchased at one time every Double Eleven every year, and there is no need for other times.”>BabaylanBuy. Also, she Cinema href=”https://comicmov.com/”>BabaylanThe idle clothes were hung with salted fish, and the bed sheets and a skirt were sold for a total of 116 yuan. In 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, Xiaogu posted another day’s consumption account: today’s interest income was 10 yuan, and it cost 2.28 yuan. Her breakfast and lunch that day were the same In the company, 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 little expert in saving money”, “This noodles look delicious”… Under Xiaogu’s post, there were also netizens commented: “This is financially free”, “I hope to share some tips for saving money in the future”, etc.
Xiaogu said that he now advocates minimalism and usually consumes Cinema fee is indeed very lowCinema, and I will not make any risky investments. “I don’t have any luxury Babaylan products and some expensive electronic products, I have used it for two or three years for more than 2,000 yuan for a mobile phone.”
In addition to getting a salary at work, Xiaogu also showed off her investment and financial management plan, including the funds she purchased. She said that her total assets are currently 656,000 yuan, which has completed 32.8% of the progress. 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 management product. The remaining 156,000 yuan bought all of the stable bond funds.
Family: Parents hope to be stable, and their boyfriends also joined the plan
What do parents think about their early retirement plan?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her. “My parents were very opposed at the beginning.Ref=”https://comicmov.com/”>Komiks‘s, because I finally got to go to work, but I had to retire in advance. Anyway, in their hearts, they just feel that Komiks is stable when they go to work. 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. “
XiaoKomiks said: “My boyfriend was also a traditional office worker at the beginning and 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 language. He now has a similar plan to countdown on retirement. ”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin