24-year-old Changsha Gu’s mother Xiao Gu (pseudonym) has become popular on Xiaohongshu recently because she released a “4500-day retirement countdown calendar” and shared in detail her financial management skills when she was in the early retirement plan, hoping 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 many people question the feasibility of the plan.
Target: When I retire after 4500 days, I was 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 total 4500 days, which is half of me, has been cut in total. I have cut 4500 small grids for a week. The countdown starts after more than 4000 days. Some people may feel bored, but for me, at least the pace of time is moving forward. I am walking constantly towards the life I want. “Cinema. href=”https://comicmov.com/”>Cinema
On the evening of March 17, the reporter contacted Xiao Gu. According to her, she is a local from Changsha and is 24 years old. 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” attracted me. I also joined the “fire life” group on Douban, with more than 220,000 members. Cinema We usually share 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 have a target amount of 2 million yuan, which required nearly 1 yuan.About 3 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: “https://comicmov.com/”>Babaylanre 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 don’t reject 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’re completely out of work. You may set up a stall or 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 own 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 is recorded in detail how Xiaogu did it until it only cost 15 yuan in March.Babaylan: Living in, there is no house in KomiksCinema loan, paid by her boyfriend in water and electricity, so she did not spend money; mobile phone bills and transportation charges, which are almost equal to her monthly financial management income, which is exactly the same as her salary; eating, drinking, breakfast and lunch are settled at the company, free. Dinner costs 0 yuan for a few days<a href="https://comicmov.com/"KomiksThe only expense of wool-fetched snail noodles was that they bought 15 yuan ingredients for shopping in supermarkets and ate them for several nights; daily necessities, tissues, and cups of hand sanitizer, garbage bags, toothpaste, etc. are basically obtained by wool-fetching; 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. If this is the case, she not only did not spend money in the first half of March, but also earned 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 candy, a cup of Komiks 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, Babaylan 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 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 was all 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, becauseI 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 hard to save this money was 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 Komiks, and I was going 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 I have more common language. KomiksHe now has a similar retirement countdown plan. ”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin