Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently. Babaylan because she released a “4500-day retirement countdown calendar” and shared her early retirement plan and her usual financial management skills, 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 you retire after 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 retirement countdown calendar. I read it wrongKomiks, a total of 4,500 days, half of me was so high, and a total of 4,500 small grids were cut. 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 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” attracted me. 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 was to retire at 450 days ago. Not long ago, I calculated that I saved enough to save up 2 million yuan in the target amount, and I needed to spend about 37 years at that time. At that time, I was 37 years old. In order to motivate and remind myself, I did Komiks.omicmov.com/”>Cinema 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 Financial independence Retire early, meaning “financial independence, retire early”. Babaylan 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 hope to freely control my life and dominate my time. Even if it is realized in 4,500 days. Retirement early does not mean that you will no longer work. You may set up a stall and write articles, just like a travel blogger. “
Advocate minimalism: There are no luxury goods, and you will not change your mobile phone for many years
I also shared many posts on Xiaogu’s own social platform, such as the post “Salary of 8,000 and Save 7985, but I only spent 15 yuan in March” shared on March 15. This post records in detail how Xiaogu does it until March only Babaylan spent 15 yuan: living, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so there is no money; mobile phone bills and transportation fees, this part of the cost is almost equal to her monthly financial income, which is exactly the same; eating, drinking, breakfast and lunch are solved in the company, free of charge. There are a few days of dinner. Babaylan is a snail noodles that cost 0 yuan to get wool. The only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate it for several nights. Daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from getting 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. If this is the case, she not only did not spend money in the first half of March, but also earned more than 10Babaylan.
On March 16, Xiaogu posted another day’s consumption account: today’s interest income is 10 yuan, and it costs 2.Cinema28 yuan. She isThe morning breakfast is also solved by the company. Dinner is 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. Cinema“I don’t have any luxury goods or some expensive electronic products. I have spent more than 2,000 yuan on 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, and she has completed 32.8% of the progress. With her parents’ sponsorship, Komiks spent 500,000 yuan to buy a Cinema apartment in Changsha. The monthly rental income is 2,600 yuan, which can be regarded as a long-term income property. The remaining 156,000 yuan was bought. All the remaining 156,000 yuan was bought.
Family: Parents want stability, and their boyfriends also join the plan. Cinema
What do parents think about their own plans to retire early?
When the reporter interviewed Xiao Gu on the phone, her mother was right next to him. “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 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 in the second half I had to live for myself. “
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. Finally, he was also said by me. href=”https://comicmov.com/”>Babaylan moved and joined in. Now we have more common languages. He now has a similar plan to countdown for retirement.”
Source | Yangcheng Evening News•Yangcheng School Comprehensive KomiksUpstream News, Red Star News, Western Decision-making D Video, etc. | Zheng Zongmin