Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “400-day retirement countdown date” and shared in detail the financial management skills of her own 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 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 that right, the whole 4Cinema500 days, which is half of me. I have cut 4,500 small grids in total. I have been working for a week. When I started counting down on Komiks in more than 4,000 days, some people may feel bored, but for me, at least the pace of time is moving forward. I am constantly moving towards the life I want. “
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. 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, and everyone is on par.://comicmov.com/”>Cinema and exchanged various skills to increase revenue and reduce expenditure. The real decision to count down to 4,500 days of retirement was not long ago. I calculated that it would take nearly 13 years to save enough of the target amount of 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 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, 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 income to cover daily expenses, so that they have the confidence to pursue their 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 I can get an early withdrawal after 4,500 days. href=”https://comicmov.com/”>Cinema breaks, it doesn’t mean that she will no longer work. She may set up a stall and write articles, like a travel blogger. “
Advocate minimalism: no luxury goods, no mobile phones have been replaced for many years
I also shared many posts on Xiaogu’s own social platform, such as the post “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 so that he only spent 15 yuan in March: living, no mortgage on the house, and the water and electricity boyfriend paid for it, so he didn’t spend money; mobile phone bills and transportation expenses, this part of the cost is almost equal to Cinema. href=”https://comicmov.com/”>Komiks Her monthly financial income is just about to offset; food, drink, breakfast and lunch are solved in the company, free of charge. There were several days for dinner when I ate snail noodles that cost 0 yuan. The only expense was that I bought 15 yuan ingredients for shopping in the supermarket and ate a few Komiks tonight;Daily necessities, tissues, paper towels, cups, hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from wool; skin care products and cosmetics are purchased at one time every Double Eleven every year, and you don’t 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 16Babaylan, 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 candy, a cup of milk tea, and a piece of Komiks 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. 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.”
CinemaIn addition to getting a salary at work, Xiaogu also showed off his investment and financial management plan, including the purchase of funds. 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. “My parents were very opposed at first because they finally let me go to work, but they had to retire early. Anyway, they were in their hearts. In Babaylan, I just feel that it is stable to go to work. The reason why I try to save this money is 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 will 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. Finally, he was moved by me and joined in. Now we both have more common language. He is now Komiks. href=”https://comicmov.com/”>Komiks also made plans similar to the retirement countdown. “
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin