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 her target amount of 2 million yuan and live a life of living everywhere in the future. This series of posts is popular among netizens. Many people find it interesting, but many people question the feasibility of the plan.
TargetBabaylan: When he retired after 4500 days, Komiks
Xiao Gu released this “4500-day countdown retirement calendar” on March 13, “In order to objectively understand how far I am from early retirement, CinemaI made a 4500-day retirement countdown calendar. I read that right, a total of 4500Babaylan days, which totaled half of me was so high. A total of 4500 small grids were cut, and I spent a week. The countdown started after more than 4000 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: “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 ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually communicates with various skills to increase revenue and reduce expenditure. The real decision to count down to 4,500 days of retirement was not long ago. I calculated that I saved up enough to save up to 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 fCinemaire does not mean the English word “fire”, but the abbreviation of the first letter of the four English words Babaylan, which 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 pursueBabaylan‘s lifestyle I like, “I’m 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 achieve early retirement in 4500 days, it doesn’t mean that you are not working at all. 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 Xiaogu’s own social platform on Xiaogu’s social platform, such as the post shared on March 15 with the title “Salary of 8,000 and 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, no mortgage on the house, and the water and electricity boyfriend paid for it, so I didn’t spend money; mobile phone bills and transportation expenses, this part of the cost is almost equal to her monthly financial income, which is just about the same; eating, drinking, breakfast and href=”https://comicmov.com/”>Babaylan Lunch is free in the company. Dinner is a few days. The only expense is that she bought 15 yuan ingredients for shopping in the supermarket and ate it for a few 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 the idle clothes on salted fish, and the bed sheets and a skirt 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, spending 2.28 yuan Komiks. Her dayBreakfast and lunch are also solved by the company. Dinner is 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. CinemaNetizens sighed, “You are really a good expert in saving money.”Cinema“This noodles look delicious”… Some netizens also commented under Xiaogu’s post: “This is financially free”, “I hope to share some tips for saving money in the future”, etc.
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 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 assets are currently 656,000 yuan, completing 32.8% of the progress. Komiks plus her parents’ sponsorshipCinema, 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 bought all of the stable bond funds.
Family: Parents want stability, and their boyfriends also join the plan
What do parents think about their own early retirement plan?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her. “My parents were very opposed at first because I finally asked me to go to work, but I had to retire early. Anyway, they just felt that it was safe to go to work.https://comicmov.com/”>Komiks is determined. The reason why I try to save this money is 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. But after carefully studying my plan, I felt that the plan was very detailed and solid, not the unrealistic kind. Finally, he was moved by me and joined. href=”https://comicmov.com/”>Komiks came in, and now we have more common languages. He now has a similar plan to countdown for retirement.”
Source | Yangcheng Evening News•Yangcheng School Comprehensive Upstream News, Red Star News, Western DecisionsBabaylanCinemaCinemaCinemaCinemaEditor | Zheng Zongmin