Xiao Gu, a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she posted 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 living everywhere in the future. This series of posts has been popular among netizens by Cinema. 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 Gu3Komiks released this “4500-day countdown retirement calendar” on the 13th of this month. “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 total of 4500 days, half of me, have been cut in total. I have been working for a week. There are more than 4,000 hours of time. Maybe some people will feel bored, but for me, at least the time is Komiks timer. href=”https://comicmov.com/”>Komiks‘s footsteps are moving forward, and I am walking 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 Babaylan to retire early at such a young age? Cinema She said: “It was about 2 years ago that I accidentally learned about the fire group. Their concept of “save money first, enjoy it later” was very attractive to me. I also joined the ‘fire life’ group on Douban, with a total of more than 220,000 members. The Babaylan family usually exchanged 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 save up to 2 million yuan in the target amount, which took about 13 years. At that time, I was 37 years old. To motivate and remind myself, I did the countdown calendar Cinema. ”
Xiao Gu said that fire does not mean the English word “fire”, but the abbreviation of the first letter of the English word “Cinema”, which means “financial independence, retire early”. This group pursues 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 the confidence to pursue the lifestyle they 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 will be completely out of work. You may set up a stall and write articles like a travel blogger. ”
Advocating minimalism: no luxury goods, many mobile phonesBabaylanNo change in years
I also shared many posts on Xiaogu’s social platform on Xiaogu’s own social platform, such as the post shared on March 15 with “Salary of 8,000 and 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 on the house, and the water and electricity boyfriend paid for it, so I didn’t spend money; mobile phone bills and transportation expenses, this part of the cost is almost equal to her monthly financial management income, which is exactly the same; eatingBabaylanDrink, breakfast and lunch are settled in the company, free. How many days does supper have to goIt is snail noodles that cost 0 yuan to get wool. The only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate it for several nights. Daily necessities, tissues, 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 hung all her idle clothes on salted fish, and the bed sheets and a skirt sold for a total of 116 yuan. If this is the case, she not only did not spend money in the first half of March, but also earned 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 Babaylan 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 little 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”, 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 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 they finally let me go to work, but they had to retire early. Anyway, in their hearts, they felt that working was stable. What I did was to do was to retire early.To save this money with hard work, in addition to giving them an explanation, it also gives themselves 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 in the second half I had to live for myself. ”
KomiksXiao 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 the kind of unrealistic Komiks. Finally Babaylan was also 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 Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. Editor | Zheng Zongmin