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 has been popular among netizens, and many people find it interesting, but there are also few people questioning the feasibility of the plan.
Target: Komiks retired in 4500 days
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, BabaylanA full 4,500 daysKomiks, which totaled half of me was as high as I was. A total of 4,500 small grids were cut, and I spent a week. The countdown started in 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: “About 2 years ago, I accidentally learned about the fire group. Their concept of “save money first, enjoy it later” was very attractive. I also joined the “Douban”The fire life’ group has more than 220,000 members, and we usually share various skills to increase revenue and reduce expenditure. The real decision to count down 4Komiks 500 days of retirement was not long ago. I calculated that I saved up enough to save a target amount of 200,000 yuan, and it took nearly 1Komiks for about 3 years. I was 37 years old at that time. To motivate and remind myself, I made this countdown calendar. ”
BabaylanXiao 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, 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 you retire early in 4500 days, it doesn’t mean you will not work at all. You may set up a stall or write articles, just like a travel blogger. ”
Advocate minimalism: There is no BabaylanLuxury, I have shared many posts on Xiaogu’s own social platform, such as the post “Salary of 8,000 and Save 7985, I only spent 15 yuan in March” shared on March 15. This post records in detail how Xiaogu does it until March Cinema only spent 15 yuan: living, there is 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 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, and it is free. Dinner is a few days for 0 yuan to eat snail noodles, and the only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate it for a few nights; daily useProducts, 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 Babaylan bed sheets and a skirt were sold for a total of 116 yuan. In 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, 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”… 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 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 Komiks656,000 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 260 yuan, which can be regarded as a long-term financial management 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. “The parents were very opposed at first, because it’s okayIt’s easy for me to go to work, but I have 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 peace and 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, not unrealistic. Finally, he was moved by me and joined in. Now we have more common languages. He now has a similar plan to countdown on retirement. ”
Source | BabaylanYangcheng Evening News•Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. | Zheng ZongminKomiks