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 200 million yuan to live a life of living everywhere in the future. This series of posts has been popular among netizens. 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 in total. I have cut 4500 small grids for a week. The countdown starts after more than 4000 days. Maybe some people will feel bored, Cinema But for me, at least the pace of time is moving forward, and I am constantly moving towards the life I want.”
On the evening of March 17, the reporter contacted Xiao Gu. According to her introduction, Komiks, she is a native of 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, then enjoy’ is very attractive. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually communicates with various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days for retirement was not long ago. I calculated that it would take nearly 13 years to save enough money to save up to 2 million yuan. At that time, I was 37 years old. In order to motivate and remind myself, I made this countdown calendar.” Xiao Gu said,ire does not mean the English word “fire”, but the abbreviation of the first letter of the four English words, FBabaylaninancial independence Retire early, meaning “financial independence, early retirement”. This group pursues the concept of “save money first, enjoy it later”. By reducing material desires, living a minimalist life, and using investment returns to cover daily expenses, so as to have the confidence to pursue the lifestyle that Cinema likes. “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 I retire early in 4,500 days, I don’t mean I’ll stop working at all. I may set up stalls and write articles, like a travel blogger.”
Advocating minimalism: no luxury goods, handsKomiks machine has not been replaced for many years
Xiao Gu’s social platform has also shared many posts on saving money and managing financesKomiks. For example, the post shared on March 15 was titled “Salary of 8,000 and saved 7985, and I only spent 15 yuan in March”. href=”https://comicmov.com/”>Cinema recorded in detail how Xiaoju did it until March only spent 15 yuan: living, there was 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 expenses, which were almost equal to her monthly financial income, which was exactly the same; eating, drinking, breakfast and lunch were solved in the company, free of charge. There are a few days for dinner, which is 0 yuan for wool-fruit snail noodles. The only expense is that I bought 15 yuan for food in the supermarket and ate it for several nights. Daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from wool-fruit snail noodles; 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 she counts this way, she not only did not spend money in the first half of March, but 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 Cinema lunch were also resolved by the company. The dinner was a pack of old Beijing instant noodles, plus a fried egg, a small bag of French fries, three KomiksBig White Rabbit Milk Candy, a cup of milk tea, and a piece of Cinemapineapple. Netizens sighed, “You are really a good expert in saving money”, “This noodles look delicious”, Babaylan…At the post of Babaylan also commented: “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 spent more than 2,000 yuan on my 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’ 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 product. The remaining 156,000 yuan was bought all of the stable bond funds.
Family: Parents want stability, and their boyfriends also join the plan
For their plan to retire early, their parents are KomiksWhat do you think?
When the reporter interviewed Xiao Gu on the phone, her mother was right next to him. “My parents were very opposed to it at the beginning because they finally let me go to work, but they 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 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 Babaylan is a traditional office worker who wants to work diligently until he is old. But after carefully studying my plan, he felt that the plan was very detailed and solid, not unrealistic. Finally, he was moved by me and joined in. Now we both have more common language. He now has a similar plan to countdown for retirement.”
Source | Yangcheng Evening News • Editor in charge of Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. | Zheng Zongmin