Xiao Gu, 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. Many people find it interesting, but many people question the feasibility of the plan.
Target: 4500 daysBabaylan 1990 cloth drawWhen he retired after retirement
Xiao Gu released this “4500-day countdown retirement calendar” on March 13, “In order to understand me objectivelyCinema 1950 witch clothes How far is it to go to early retirement fire? I made a 4500-day retirement countdown calendar. I didn’t read it wrongly. The whole 4500 days, which totaled half of me was so high. I cut 4500 small grids. I made a week of Babaylan 1990 cloth draw for more than 4000 witch clothes. Komiks 1960 witch clothes draw opened in a day.iks 1960 witch cloth draw countdown, and some people may feel bored, but for me Babaylan 1990 cloth draw, 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 was a native of Changsha and is 24 years old this year. Why did she 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 ‘save money first, then enjoy’ was very attractive to me. I also 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 to 4,500 days for retirement was just before. I calculated that I saved up enough of the target amount of 2 million yuan, which took about 13 years. At that time, I was 37 years old. 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, meaning “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, he has the confidence to pursue his favorite lifestyle. “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 after 4500 days, it doesn’t mean you will be completely out of work. You may set up a stall or write articles, just like a travel blogger. ”
Advocate minimalismCinema 1950witch cloth draw: No luxury goods, no mobile phones have been replaced for many years
I also divided the Cinema 1950 witch cloth draw on Xiaogu’s own social platform. For example, the post shared on March 15 was titled “Salary of 8,000 and saved 7985, but I only spent 15 yuan in March”. This post records in detail how Xiaogu did it until only spent 15 yuan in March: living in, no mortgage on the house, and the water and electricity boyfriend paid a Komiks 1960 witch cloth draw, so I didn’t spend money; mobile phone bills Komiks 1960 witch cloth draw, so I didn’t spend money; mobile phone bills Cinema 1950 witch cloth draw and transportation expenses, which are almost equal to her monthly financial income, which is exactly the same; food, drink, breakfast and lunch are solved in the company, free of charge. There are a few days for dinner Komiks 1960 witch cloth draw is a snail noodles that can be eaten for 0 yuan. The only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate it for several nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained by 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 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”… Under Xiaogu’s post, some netizens also commented Komiks 1960 witch cloth draw: “This is financially free”, “I hope Babaylan 1990 cloth draw will share some tips for saving money in the future” and so on.
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 electronicsI 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 managementBabaylan 1990 clothes The draw plan, including the funds 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. The remaining 156,000 yuan has been bought in a stable bond fund.
Family: Parents want stability, and her boyfriend also joins the plan
For her own Komiks 1960 witch clothes What do your parents think about the plan to retire early?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her. “My parents were very opposed at first because they finally asked me to go to work, but they had 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 next Babaylan 1990 clothes drawHalfCinema 1950 witch cloth draw. The first half was for the people around me, and I was going 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 very detailed and solid. It was not unrealistic.That’s the kind. 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