Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “4500-day retirement countdown calendar”. Komiks shared 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. Many people find it interesting, but many people question the feasibility of the plan.
Target: When you retire in 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 countdown retirement calendar. I read that right, the whole 4500 days, and half of me are like this. href=”https://comicmov.com/”>Cinema has been cut in total, and I have been doing it for a week. The countdown started in more than 4,000 days. Some people may 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, 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 “fireCinemaLife” group on Douban. There are more than 220,000 members of Babaylan, and everyone usually shares the same relationship.://comicmov.com/”>Komiks various techniques 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 spend 2 million yuan in the target amount, which took nearly 13 years. I was 37 years old at that time. In order to motivate and remind myself, I made this countdown calendar.” Xiao Gu said that fire does not mean the English word “fire”, but the Financial independence Retire early the abbreviation of the first letter of the four English words, meaning “financial independence, early retirement”. This group adheres to 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, we have the confidence to pursue the lifestyle they like. “I am not rejecting work, but I don’t like the unchanging work. I hope to freely control my life and dominate my time. Even if I retire early in 4,500 days, I don’t mean I’ll stop working at all. I may set up stalls and write articles, like a travel blogger. href=”https://comicmov.com/”>Babaylan. “
Advocate minimalism: no luxury goods, no mobile phones have been replaced for many years
I also shared many posts on Xiaogu’s social platform on Xiaogu’s own social platform, such as the post “Salary of 8,000 and saved 7985, but I only spent 15 yuan in March” shared on March 15. 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 it didn’t cost money; mobile phone bills and transportation expenses, this part of the cost is almost equal to her monthly financial management income, which is just about the same; eating, drinking, breakfast and lunch are solved in the company, free. There are a few days of dinner when I eat snail noodles that cost 0 yuan. The only expense is 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. 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 her idle clothes on salted fish, and the bed sheets and a skirt sold for a total of 116 yuan. Komiks 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 of consumption accounts: 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”… 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.
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 Cinema for more than 2,000 yuan for a mobile phone for two years.”
In addition to getting a salary at work, Babaylan has also revealed 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 Changsha, with a monthly rental income of 2,600 yuan, which can be regarded as a long-term income financial product. The remaining 1Cinema56,000 yuan bought all of the stable Komiks-type bond funds.
Family: Parents Cinema hope to be stable, 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. “The parents were very opposed at first because it was so easy to BabaylanI was asked to go to work, but I had to retire early. Anyway, they feel that it is only stable to go to work. The reason why I worked hard 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 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, and Komiks was not the unrealistic one. Finally, he was moved by me and joined in. Now we both have more common language. He now has a similar countdown to retirement. ”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making KomiksD Video and other editor | Zheng Zongmin