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. 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 you retire in 4500 days, you are less than 40 years old.
Xiao Gu released this “4500-day countdown retirement day” on March 13, “In order to objectively understand how far I am from early retirement fire, I made a href=”https://comicmov.com/”>Babaylan4500-day retirement countdown calendar. I read that right, the total 4500 days, half of me, totaling up to half of me, I cut 4500 small grids, and I spent a week. The countdown started after more than 4000 days. Maybe some people will feel bored, Cinema But for me, at least the pace of time is moving forward. I am constantly moving towards the life I want.” href=”https://comicmov.com/”>Babaylan
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. The idea of ”save money first and then enjoy Cinema” was very attractive. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually communicated 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 enough to save up to 2 million yuan in the target amount, and I needed KomiksIt was nearly 13 years old, and CinemaI was 37 years old at that time. To motivate and remind myself, I made this countdown date. ”
Xiao 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, he has the confidence to pursue his favorite lifestyle. “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’re completely out of work. You may set up a stall or write articles, just like a travel blogger. ”
Advocating minimalism: There is no luxury goods in Babaylan, and my mobile phone has not been replaced for many years
I also shared a very high post on Xiaogu’s own social platform on saving more money to manage finances, compared to the post shared on March 15 with “Salary of 8,000 and Saving 7985, I only spent 15 yuan in March”. The post of Babaylan records in detail how Xiaoju did it until March only spent 15 yuan: living, the house does not have a mortgage, and the water and electricity boyfriend paid for it, so it did not spend 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 href=”https://comicmov.com/”>BabaylanFood meals are free. Dinner is a few days for 0 yuan for wool snail noodles. The only expense is that she bought 15 yuan for shopping in the supermarket and ate it for a few nights. Daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from wool 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 the idle clothes on salted fish, and the bed sheets and a skirt were sold in total.Babaylan116 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.
BabaylanOn 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 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 Su said that he advocates minimalism now than Cinema, and his daily consumption is indeed very low, and 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’ praise, Cinema, she spent 500,000 yuan to buy a Babaylan apartment in Changsha. The monthly rental income is 2,600 yuan, which can be regarded as a long-term income financial product. The remaining 156,000 yuan was bought. Babaylan has a stable bond fund.
Family: Parents want stability, and their boyfriends also join the plan
What do you think about your plan to retire early? Komiks, what are your parents?
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 they finally let me go to work, but they 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 carefully studying my plan, I felt that the plan was very detailed and solid, not unrealistic. In the end, he was moved by me, and added href=”https://comicmov.com/”>Komiks has come in, and now the two of us have more common languagesBabaylan. He now has a similar plan to countdown for retirement.”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin