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 pre-retirement plan and her usual financial management skills. She hopes to save enough of the target amount of 2 million yuan, and has not come to live a life of living everywhere. This series of posts has been popular among netizens, and many people find it interesting, but there are many people questioning the feasibility of the plan.
Target: When you retire after 4500 days, you are less than 40 years old.
Xiao Gu released this “450Babaylan0-day countdown retirement calendar” on March 13, “In order to objectively understand how much is there to go before retiring Komiks href=”https://comicmov.com/”>Cinema is far away, I made a 4,500-day retirement countdown calendar. I read that right, a total of 4,500 days, which is half of me so high. I cut 4,500 small grids in total, 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 the life 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: “The idea of this is about 2 years ago. I accidentally learned about the fire group. The idea of ”save money first, enjoy it later” attracted me. I also joined Douban.The ‘fire life’ group has 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 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 letter of the four English words FinancBabaylanial independence Retire early, meaning “financial independence, retire early”. This Cinema 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 freely control my life and dominate my time. Even if Cinema retires early after 4500 days, it doesn’t mean that it’s completely out of work. It may also 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 Xiaogu’s own social platform on her social platform, such as the post shared on March 15 with “Save 8,000 and 7985, 3Babaylan only spent 15 yuan per month”. This post records in detail how Xiaogu did it until March only spent 15 yuan: living, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so there is no money; mobile phone bills and transportation costs, this partBabaylan cost is almost equal to her monthly financial income, which is just about the same; eating, drinking, breakfast and lunch are solved in the company, free. Dinner is a few days for 0 yuan to eat snail noodles, and the only expense is that I bought 15 yuan for food and ate it for several nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from wool; skin care products and makeupBabaylan products are purchased at one time every Double Eleven, and there is no need to buy them at other times. In addition, she hung all the idle clothes on 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 is 10 yuan, and it costs 2.28 yuan. Her breakfast and lunch that day were also solved by 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, href=”https://comicmov.com/”>Babaylan cup of milk tea and a piece of pineapple. Netizens sighed, “You are really a little expert in saving money”, “This noodles look delicious”… There are also netizens commented under Xiaogu’s post: “This is financially free”, “I hope to share some tips on saving money in the future”, etc.
Xiaogu 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 her investment and financial management plan, including the funds she purchased. She said that her total assets are currently 656,000 yuan, completing 32% of the progress. With her parents’ sponsorship, she spent 500,000 yuan to buy an apartment in Changsha, with a monthly rental income of 26Babaylan href=”https://comicmov.com/”>Cinema00 yuan can be regarded as a financial product with long-term income. The remaining 156,000 yuan bought all of the stable bond funds.
KomiksFamily: Parents want stability, and their boyfriends also join 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 him. “The parents were very opposed at the beginning because BabaylanI finally asked me to go to work, but I 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 second half. The first half was for the people around me. I was going to live for myself in the second half. “
Xiao Gu said: “My boyfriend was also a traditional working person 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 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. Komiks Editor | Zheng Zongmin