Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “4500-day retirement countdown calendar”, sharing in detail her early retirement plan and her usual financial management skills, hoping to save enough of the target amount of 2 million yuan and live a life of traveling everywhere in the future. This series of posts is 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 March 13Cinema released this “4500-day countdown retirement calendar”. “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 retirement countdown is half of my total height. A total of 4500 days have been cut, and I have been working for a week. The countdown starts after more than 4000 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, then enjoy’ was very attractive to me. I also joined the ‘fire life’ group on Douban, with a total of more than 220,000 members. Everyone exchanged various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days to retire was not long before. I calculated that it would take nearly 13 years to save enough money to save up to 2 million yuan. At that time, I was 37 years old. In order to motivate and remind myself, I made this countdown calendar.”
Xiao GuCinema said that fireKomiksCinema 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 adheres to the concept of “save money first, enjoy it later”. By reducing material desires, living a minimalist life, and using investment returns to cover daily expenses, so as to have a basic idea of pursuing 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 retire early in 4,500 days, I don’t mean I’m not going to work at all. I may set up stalls and write articles, just like a travel blogger. href=”https://comicmov.com/”>Komiks“
Advocating minimalism: There is no luxury Babaylan product, and my mobile phone has not 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 “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 until only spent 15 yuan in March: living in, 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 costs Babaylan, which is almost equal to Cinema‘s monthly financial income, which is exactly the same; food, drink, breakfast and lunch are solved in the company, free of charge. There are a few days of dinner that I ate snail noodles that I ate for 0 yuan, and the only expense is Cinema I bought 1 in the supermarket shopping mall.tps://comicmov.com/”>Cinema 5 yuan ingredients for several nights; 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 there is no need to buy them at other times. In addition, she has put all the idle clothesKomiks‘s goods were hung with salted fish, and the bed sheets and a skirt were sold for a total of 116 yuan. In 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, Xiaogu posted another day’s consumption account: today’s interest income was 10 yuan, and it cost 2.28 yuan. Her breakfast and lunch that day were also solved by the company. Dinner was a pack of old Beijing instant noodles, plus a fried egg, a small bag of French fries, and three big white rabbit milk candies. A cup of milk tea and a piece of pineapple. Netizens sighed, “You are really a little expert in saving money”, “This noodles look delicious”… There are also netizens commented under Xiaogu’s post: “This is financially free”, “I hope to share some tips on saving money in the future”, etc.
Xiaogu said that he advocates minimalism now, 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 more than 2,000 yuan for a mobile phone.”
In addition to getting salary at work, Xiaogu also showed off her investment and financial management plan, including the funds she 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 the long run, with a monthly rental income of 2,600 yuan. href=”https://comicmov.com/”>Komiks can be regarded as financial products with long-term income. The remaining 156,000 yuan Komiks bought stable bond funds.
Family: Parents want stability, and their boyfriends also join the plan. What do parents think about their plan to retire early?
The reporter interviewed Xiao Gu Shi by phone, and her mother was next to her. “Parents and their parents Komiks, and her mother was next to her. “Parents and theirs Komiks./comicmov.com/”>Babaylan was very opposed at first because I finally let me 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 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 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 of Komiks<a After Cinema, I felt that the plan was very detailed and solid, not unrealistic. Finally, he was moved by me and joined in. Now we have more common language. He now has a similar plan to countdown for retirement. Babaylan“
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video and other editor | Zheng Zongmin