Xiao Gu, a 24-year-old Changsha girl, has become popular recently on Xiaohongshu 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 in Komiks 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: Retirement in 4500 days is 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 fireCinema, I made a 4500-day retirement countdown calendar. I read that right, a total of 4500 days, half of which I am so high, and a total of 4500 small grids were cut. I spent a week. The countdown started after more than 4000 days. Some people might 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 group of fire. Their concept of ‘save money first, then enjoy’ was very attractive to me. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually communicated with various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days to retire was not long ago. I calculated that I saved up enough to spend 2 million yuan in the target amount, and I needed Komiks for nearly 13 years. I was 37 years old at that time. 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 Financial IndependenceBabaylandenceRetire early is the abbreviation of the first letter of the four English words, 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 as to have the confidence to pursue the lifestyle they like. “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 actually 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 Cinema after 4,500 days. href=”https://comicmov.com/”>Babaylan 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 social platform on Xiaogu’s social platform, such as the post shared by Komiks on March 15, “Komiks’s post “Salary of 8,000 is saved 7985, but 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, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation expenses, this part of the cost is almost equal to her monthly financial income, which is just about the same; eating, drinking, breakfast and lunch are solved in the company, free. There are a few days for dinner. 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 them for several nights. Daily necessities, paper towels, cups, hand sanitizer, garbage, Cinema, bags, toothpaste and other bases are all obtained from wool. 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, bed sheets and a Komiks skirt 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 that dayIt was also solved by lunch at the company. The dinner was a pack of old Beijing instant noodles, plus a fried egg, a small bag of French fries, three BabaylanBabaylanBabaylanMilk candyCinemaMilk candyCinema, a cup of milk tea, and a piece of pineapple. Netizens sighed, “You are really a money-saving expertKomiks” “This noodles look delicious”… Some netizens also commented under Xiaogu’s post: “This is already financially responsible”, “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, and he will not make any risky investments. “I don’t have any luxury goods or some expensive electronic products. I have used it for two or three years for a mobile phone for more than 2,000 yuan.”
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 want stability, and their boyfriends join the plan. Komiks plan. What do parents think about their early retirement plan?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her.mov.com/”>Komiks. “My parents were very opposed at first because they finally let me go to work, but they had 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, and I had to live for myself in the second half. “
Xiao Gu’s noteCinema said: “My male friend was also a traditional office worker at the beginning, and he 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 Babaylan has more common language between us. He now has a similar plan to countdown on retirement. ”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin