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 has detailed Cinema and enjoys 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, and 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 Gu released this “4500-day countdown retirement calendar” on March 13, “In order to objectively understand that I am still away from early retirement fire<a How far is Komiks? I made a 4500-day retirement countdown calendar. I didn't look at the whole 4500-day Komiks. I'm wrong. It's a whole 4500 days. It's half of me. I cut 4500 small grids in total. I've been working for a week. The countdown started after more than 4000 days. Some people may feel bored, but for me, at least the pace of time is moving forward, and I'm moving towards the life I want. "
On the evening of March 17, Cinema 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 Babaylan group of fire. Their concept of saving money first and enjoying it later is very attractive. I also joined the ‘fire life’ group on Douban, with a total of 220,000 members. Everyone exchanged various skills to increase revenue and reduce expenditure together. Really,I decided to count down 4,500 days to retire. Not long ago, I calculated that I had saved up enough of the target amount of 2 million yuan, which would take about 13 years. At that time, I was 37 years old. 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: “comicmov.com/”>Babaylane earlyBabaylane earlyBabaylan‘s first letter, meaning “financial independence, retire early”. This group pursues the concept of “save money first, enjoy later”, and lives a minimalist life by reducing material desires. href=”https://comicmov.com/”>Cinema life, using investment income to cover daily expenses, 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 before the introduction of Babaylan after 4500 days, you don’t mean you’re completely out of work. You may set up a stall and write articles, just like a travel blogger. ”
Advocating minimalism: There are no luxury goodsCinema, and my mobile phone has not been replaced for many yearsKomiks
I also shared a lot of posts on saving money and managing finances on Xiaoju’s social platform, such as the post shared on March 15th titled “Salary of 8,000 and Saving 7985, I only spent 15 yuan in March”. This post is detailedKomiks recorded how the little thing was done until March only cost 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 oneThe fee is almost equal to her monthly financial income, which is exactly the same; the food, drink, breakfast and lunch are solved in the company, and it is free. There were several days for dinner, which was 0 yuan for wool-fetched snail noodles. The only expense was that I bought 15 yuan for food in the supermarket and ate Komiks for several nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained by wool-fetched snail noodles; 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 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.
3CinemaOn the 16th of this month, 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 settled at the company, and 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 the sponsorship of her parents, she spent 500,000 yuan to buy a Babaylan apartment in Changsha with a monthly rental income of 2,600 yuan, which can be regarded as a long-termFor the income-related financial products, all the remaining 156,000 yuan were bought in stable bond funds.
Family: BabaylanMy 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 I finally asked me to go to work, but I 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 not only to give them an explanation, but also to give myself a sense of security. I divided my life into KomiksThe first half and the second half were for the people around me, and I would 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, 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 plan similar to the countdown to retirement.”
Source | Yangcheng Evening News • Editor-in-chief of Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. | Zheng Zongmin