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, 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, “to solve the problem of Cinema objectivelyKomiks How far is it to go before early retirement? 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 exchanged various skills to increase revenue and reduce expenditure. The real decision to count down to 4,500 days of retirement was not long ago. I calculated that it would take about 13 years to save enough of the target amount of 2 million yuan. 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 Financial independentce RetireBabaylan early the abbreviation of the first letter of the four English words, 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 income to cover daily expenses, he has the confidence to pursue his favorite lifestyle. “I am not rejecting work, but I don’t like the unchanging work. KomiksI hope to freely control my life and dominate my time. Even if I retire early after 4,500 days, it doesn’t mean I’m not going to work at all. I may set up stalls and write articles, like a travel blogger.”
Advocating minimalism: No href=”https://comicmov.com/”>Komiks has luxury goods, but has not changed their mobile phones for many years
I also shared many posts on Xiaogu’s own social platform to save money and manage financial managementBabaylan, for example, a post shared on March 15 called “Salary of 8,000 and save 7985, but I only spent 15 yuan in MarchKomiks” in March. This post records in detail how Xiaogu did it until it only spent 15 yuan in MarchKomiks: Living in, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so I didn’t spend moneyKomiks: Living in, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so I didn’t spend moneyCinema; mobile phone bills and transportation bills, which are almost equal to her 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 when I eat snail noodles that cost 0 yuan. The only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate them 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 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 salty fish, bed sheets and a skirt 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 Komiks made more than 100 yuan.
On March 16, 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 solved by the company. 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 such a good expert in saving money”, “This noodles look delicious”…Babaylan‘s post in XiaoguCinemaAre commented below: “This is financially free”, “I hope to share some tips on saving money in the future”, etc.
Xiaosu said that he now advocates minimalism, and his consumption is indeed very low at ordinary times, and he will not make any risky investments. “I don’t have any luxury goods or some expensive electronic products, and I have used more than 2,000 yuan for a mobile phone for two or three years.”
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 the sponsorship of her parents, 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 management product, and the remaining 156,000 yuan is allKomiks bought a stable bond fund.
Family: Parents want stability, and their boyfriends join the plan.
What do parents think about their plan to retire early?
When the Cinema interviewed Xiao Gu on a phone call, her mother was next to her. “My parents were very opposed at the beginning because they finally asked me to 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’m trying to saveIn addition to giving them an explanation, this money also gives them 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. “
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 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 BabaylanCinema 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. EditorCinema | Zheng Zongmin