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: When you retire after 4500 days, you are less than 40 years old
Xiao 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 retirement countdown calendar. No Komiks read it wrong. It was a full 4,500 days, and half of me was so high. A total of 4,500 small grids were cut. I spent a week working. The countdown started in 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 the life I want. “
On the evening of March 17, the reporter contacted Xiao Gu. According to Babaylan, 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 group of fire. Their concept of ‘save money first, then enjoy’ was very attractive to me. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually exchanged 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 I saved up enough to have a target amount of 2 million yuan, which took about 13 years. At that time, I was 37 years old. In order 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 Independent” meaning of the English word “fire”, but the meaning of “fire”, but the meaning of “fire”, but the meaning of “fire”, “Babaylan”, but the meaning of “Financial Independent”.nce Retire early The abbreviation of the first letter of the four English words means “financial independence, early retirement”. This group is based on 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 I like. “I am not rejecting work, but I don’t like the unchanging work. I hope to freely control my life and dominate my time. Even if I retire early in 4,500 days, it does not mean that Cinema will no longer work, and may also set up a small stall and write articles. href=”https://comicmov.com/”>Babaylan chapter, like a travel blogger. “
Advocate minimalism: no luxury goods, Cinema‘s mobile phone has not been replaced for many years
I also shared many posts on Xiaogu’s own social platform, such as the post “Salary of 8,000 and saved 7985, but I only spent 15 yuan in March” shared on March 15. This post records in detail how Xiaogu does it to 3Komiks only spent 15 yuan in the month: living, housing <a Komiks's son does not have a mortgage, and his water and electricity boyfriend Babaylan paid for it, so he did not spend money; mobile phone bills and transportation fees, which were almost equal to her monthly financial income, which was exactly the same; food, drink, breakfast and lunch were solved in the company, and it was free. There are a few days of dinner when I eat snail noodles that cost 0 yuan. The only expense is 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. are basically obtained from wool. Skin care products and cosmetics are purchased at one time every Double Eleven every year, and there is no need to buy them at other times. In addition, she hung all her idle clothes on salted fish, and the bed sheets and a skirt sold for 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 Cinema 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 to share some tips on saving money in the future”, etc.
Xiao Su said that he now advocates minimalism, and his daily consumption is indeed very low, and he will not make any risky investments. “I don’t have any luxury goods or some expensive electronic products. I have spent more than 200 yuan on 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, 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 financial product with long-term income. The remaining 156,000 yuan was bought in a stable bond fund.
Family: Parents want stabilityCinema, and their boyfriends have also joined the plan
What do parents think about their plan to retire early? When Komiks interviewed Xiao Gu on a phone call, her mother was right next to her. “My parents were very opposed at first because I finally let me go to work.Komiks, what are you going to do to retire early? Anyway, in their hearts, they just feel that it is stable to 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 in the second half I had to live for myself Komiks. “
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 the two of us have more Komiks in the same language. He now has a similar plan to countdown on retirement. ”
Source | Yangcheng Evening News•YangKomiksEditor in charge of the city school comprehensive upstream news, Red Star News, Western Decision-making D video, etc. | Zheng Zongmin