Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “4500-day retirement countdown calendar”, sharing in detail her early retirement plan and her usual financial management skills, hoping 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 Komiks plan.
Target: When you retire in 4500 days, you are less than 40 years old
Xiao Gu released this “4500Babaylanday countdown retirement calendar” on March 13, “In order to objectively understand how far I am from early retirement fire, I made it href=”https://comicmov.com/”>Cinema A 4500-day retirement countdown calendar. I read that right, the total 4500 days, half of me, totaling up to half of me, I cut 4500 small grids, and I spent a week. I started counting down the clock in more than 40 days in more than 40 days. Some people may feel bored, but for me, at least the pace of time is moving forward, and I am constantly 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: “I came up with this idea. About 2 years ago, I accidentally learned about the fire group. Their concept of “save money first, enjoy it later” attracted me. I also joined the “fire life” group on Douban, with more than 220,000 members. Everyone usually communicates with various ways to increase revenue and reduce expenditure.f=”https://comicmov.com/”>Komiks Skills. 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 four English words “Finance” Retire early. It means “financial independence, retire early”. This group pursues 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 be free to dominate my life and Cinema dominate my time. Even if you retire early in 4500 days, you don’t mean you’re completely out of work. You may set up stalls and 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 Xiao Gu’s own social platform on Xiao Gu’s own Babaylan social platform, such as the post shared on March 15, “Save 7985 for 8,000, I only spent 15 yuan in March”. This post records in detail how Xiao Gu 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 I didn’t spend Komiks; mobile phone bills and transportation costs, this movie href=”https://comicmov.com/”>Cinema‘s fee is almost equal to her monthly financial income, which is exactly the same; eating, drinking, breakfast and lunch at the company are settled for free. Dinner is a few days for 0 yuan to eat snail noodles. The only expense is that I bought 15 yuan for food in the supermarket and ate it for a few nights.Daily necessities, tissues, paper towels, 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 you don’t need to buy them at other times. In addition, she hung all her idle clothes on salted fish, and sold a total of 116Babaylan dollars. 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, Xiaogu posted another day’s consumption account: Today’s interest income of 10 yuan was 10 yuan, and the cost was 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 candy, 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.
Xiaosu said that he advocates minimalism now, 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 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 capital is 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 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 finally let me go to work, but they had to retire early. Anyway, they felt that it was 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 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 wanted to work diligently until he was old. Komiks 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 plan similar to the countdown to retirement.”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making DBabaylan Video and other editor | Zheng Zongmin