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. 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 GuKomiks released this “4500-day countdown retirement calendar” on March 13, “for Komiks objectivelyCinemaHow far is I away from early retirement fire? I made a 450-day retirement countdown for 0 days. I read that right, a total of 4,500 days, which adds up to half of the CinemaI am so high, and I have cut a total of 45CinemaI am so high, and I have cut a total of 45CinemaI am so high, and I have cut a total of 45Komiks00 small grids, I have been doing it for a week. The countdown starts in more than 4,000 days. Some people may feel bored, 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, 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 on DoubanThe Cinema’s group has more than 220,000 members, and we usually share 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 I saved up enough to have a target amount of 2 million yuan, which would take about 13 years. I was 37 years old at that time. To motivate and remind myself, I made this countdown calendar. ”
Xiao GuBabaylan said that fire does not mean the English word “fire”, but the abbreviation of the first letter of the English word “fire”, which means “financial independence, early retirement”. This group pursues “first” The concept of saving money and enjoying it later is to reduce material desires, live a minimalist life, and use investment income to cover daily expenditures, so as to have the confidence to pursue the lifestyle I like. “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: 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 titled “Save 8,000 and 7985, but I only spent 15 yuan in March Cinema”. This post records in detail how Xiaogu did it until March only spent 15 yuan: living, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so I didn’t spend money; mobile phone bills and transportation costs, href=”https://comicmov.com/”>KomiksThis part of the expense is almost equal to her monthly financial income, which is exactly the same; eating, drinking, breakfast and lunch are solved in the company, free. Dinner is a few days for 0 yuan to eat snail noodles, and the only expense is that I 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. are basically obtained from wool; skin care products and cosmetics are every Double Eleven every year.Buy it at one time and you don’t need to buy it 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 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 for saving money in the future” and so on.
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 funds purchased by Cinema. She said that her total assets are currently Cinema656,000 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 add Komiks to the plan
What do parents think about their early retirement plan?
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 got itI went to work, but I ended up having to retire early. Anyway, in their hearts, they just feel that it is 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 divided my life into the first half and the second half. The first half was for the people around me. I was going to live for myself in the second half. “
Xiao Gu said: “My boyfriend was also a traditional office worker at the beginning, and he wanted to work diligently until he was old. But after carefully studying my Babaylan 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 plans similar to what he did when he was in the retirement countdown. ”
Source | Yangcheng Evening News Babaylan•Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin