A girl’s monthly salary of 8,000 yuan is spent 15 yuan: she saved two million to retire Komiks, and her boyfriend also joined the plan

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. Babaylan This series of posts has been popular among netizens, and many people find it interesting, Cinema, 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. I read that right, the whole CinemaThe total 4,500 days, which totaled half of the KomiksI was so tall, and I cut a total of 4,500 small grids. 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 am constantly moving towards the life I want.”

On the evening of March 17, the reporter contacted Xiao Gu. According to her, Komiks 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 fiKomiksre. Their concept of saving money first and enjoying it later is very attractive. 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 for 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 fire does not mean the English word “fire”, but FinanCinema, but FinanBabaylan‘s abbreviation of the first letter of the four English words, 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, so as to have the confidence to pursue the lifestyle they like, “I am not excluding work, but I don’t like it. href=”https://comicmov.com/”>Cinema‘s unchanging work. I want to freely control my life and dominate my time. Even if you realize the early retirement after 4Komiks500 days of CinemaRetirement early does not mean that you will no longer work. You may set up stalls and write articles, just like a travel blogger. ”

Advocating minimalism: There are no luxury goods, and the mobile phone is not replaced for many years.

I also shared many posts on Xiaogu’s own social platform, such as the title “WorkBabaylan saved 7985 yuan in 8,000 yuan, but it only cost 15 yuan in March. This post records in detail how Xiaoju did it until it only cost 15 yuan in March: living, there is no mortgage for the house, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation fees, which are almost equal to her monthly financial income, which is exactly the same; eating, drinking, breakfast and lunch are solved in the company, free. Dinner is a snail that costs 0 yuan for dinner. <a The only expense was that I bought 15 yuan ingredients for shopping in the supermarket and ate them for a few nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained from wool; skin care products and cosmetics were all obtained every Babaylan I bought it at one time in Double Eleven in 2019, and I don’t need to buy it at other times. In addition, she hung all her idle clothes on salted fish, and the bed sheets and a Komiks skirt sold for a total of 116 yuan. If she counts this way, not only did she not spend money in the first half of March, she 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 settled at the company. The dinner was a pack of old Beijing instant noodles, 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”…BabaylanAt the post of Xiao Gu, there were netizens commenting: “This is financially free”, “I hope to share some tips on 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. With her parents’ sponsorship, she spent 500,000 yuan to buy an apartment in Cinema. Her monthly rental income was 2,600 yuan, which could be regarded as a long-term income financial product. The remaining 156,000 yuan was 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 the beginning because I finally let me go to work, but I had to retire early. Anyway, they felt that working is stable. 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. But after studying me carefully<a After Komiks’ plan, he 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 for retirement.”