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 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 there are also few people questioning 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, a full 4500-day Komiks, which totaled half of me was so high. 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 the evening of March 17Cinema, the reporter contacted Xiao Gu. According to her, she is a local native of Changsha, Komiks, and she is 24 years old this year. Why do you have the idea of retirement early at such a young age? She said: “The idea of ”Babaylan” was about 2 years ago. I accidentally learned about the group of fireBabaylan. Their concept of “save money first, enjoy it later” was very attractive. I also joined the “fire life” group on Douban, with more than 220,000 members, and everyone communicated with them in various ways.ef=”https://comicmov.com/”>Cinema Tips for increasing revenue and reducing expenditure. The real decision to count down to 4,500 days for 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. I was 37 years old at that time. 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, retire early”. This group pursues the concept of “save money first, enjoy it later”, and lives a minimalist life by reducing the desire for material things and using investment income to cover daily expenses, so as to have the confidence to pursue the lifestyle they like. “I am not Komiks excludes work, but does not like the unchanging work. I want to freely control my life and dominate my time. Even if you retire early in 4500 days, you don’t mean you’re completely out of work. You may set up a stall or write articles like a travel blogger. ”
Advocating minimalism: No luxury goods, no mobile phones have been replaced for many years
I also shared many posts on Xiaogu’s own social platform on Xiaogu’s own social platform, such as the post shared on March 15 with the title “Salary of 8,000 and 7985, I only spent 15 yuan in March”. This post records in detail how Xiaogu did it until only spent 15 yuan in March: living, no mortgage for the house. href=”https://comicmov.com/”>Babaylan, the water and electricity boyfriend paid for it, so he didn’t spend money; mobile phone bills and transportation fees, which were almost equal to her monthly financial income, which was just about the same; eating, drinking, breakfast and lunch were solved at the company, and it was free. Dinner was a few days for 0 yuan to eat snail noodles, and the only expense was that she bought 15 yuan ingredients for shopping in the supermarket and ate it for a few nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained from wool; skin care products and cosmetics were purchased at one time every Double Eleven every year, and there was no need to buy them at other times. In addition, she hung all the idle clothes on salted fish, bed sheets and a skirt.The baby 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 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 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 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’ 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 hope Babaylan hope to be stable, and her boyfriend also joins 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 I finally asked me to go to work, but I had to retire before I asked. 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 sense of security. I separated my own peopleBabaylan<a hrBabaylan<a hrBabaylanef=”https://comicmov.com/”>Komiks became the first half and the second half. The first half was for the people around me, and I was going to live for myself in the second half. ”Komiks
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 now has a similar plan to countdown on retirement. ”
Source | Yangcheng Komiks Evening NewsCinema•Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. | Zheng Zong Babaylan Min