24-year-old Changsha girl Xiao Gu (pseudonym) 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. 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, I made a 4500-day retirement countdown calendar. I read that right. The total 4500 days, which is half of me, has been cut for a total of 4500 small grids. I have been doing it 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, and I am constantly moving towards the life I want.”
March 1KomiksOn the evening of the 7th, 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 Babaylan to retire early at such a young age? She said: “About 2 years ago, I accidentally learned about the group of fire. Their concept of ‘save money first, then enjoy’ was very attractive to me. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually exchanged various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days to retire was not long ago. I calculated that I saved up enough to have a target amount of 2 million yuan, which took about 13 years. At that time, I was 37 years old. In order to motivate and remind myself, I made this countdown calendar.” Xiao Gu said that fire does not mean the English word “fireKomiks“, but the Financial Independence Retire early four CinemaThe abbreviation of the first letter of the English word means “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. href=”https://comicmov.com/”>Komiks. 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’m not working at all. I may set up a stall and write articles, like a travel blogger. “
Advocate minimalism: no luxury goods, I haven’t changed my mobile phone for many years
I also shared many posts on Xiaogu’s social platform on Xiaogu’s own social platform, such as the post titled “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 I didn’t spend money; mobile phone bills and transportation expenses, which are similar. Komiks is very good at her monthly financial income; Komiks is eating and drinking, breakfast and lunch in the company, free of charge. There are a few days of dinner when I eat snail noodles that I can get 0 yuan for wool. The only expense is that I bought 15 yuan for food in the supermarket and ate 15 yuan for several nights. Daily necessities, 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 bed sheets and a skirt sold for a total of 116 yuan. In this case, not only did she not spend money in the first half of March, she also made 100 Cinema.
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 to save money in the future”, etc.
Xiao Gu said that he now advocates minimalism and his daily consumption is indeed very low. Babaylan 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.” Cinema
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 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 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 felt that it was 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 Babaylan feels safe. I divided my life into the first and second half. The first half was for the people around me, and I will 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, Babaylan, 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 words. href=”https://comicmov.com/”>Komiks‘s words. He now has a similar plan to the countdown to retirement. Komiks“
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Cinema Red Star News, Western Decision-making D Video, etc. | Zheng Zongmin