Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently. Babaylan 1990 cloth draw 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 her 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 I retire after 4500 days, I was 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, I made a 4500-day countdown calendar. I read that right. The total 4500 days, which is half of me, has been cut in total. I have made a total of 4500 small grids. I have been doing it 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. Babaylan 1990 cloth drawI am constantly moving towards the life I want.”
On the evening of March 17, the reporter contacted Babaylan 1990 cloth drawXiao Gu. According to her, she is a local native of Changsha. She 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 and enjoy it” was very attractive to me. I also joined the “fire life” on Douban.oth draw group, there are more than 220,000 members, and we usually share 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 I saved up enough to save up to 2 million yuan in the target amount. It took nearly 13 years. I was 37 years old at that time. To motivate and remind myself, I made this countdown calendar. ”
Xiao Gu said that fire does not mean the English word “fire”, but Komiks 1960 witch cloth draw is the abbreviation of the first letter of the four English words Financial independence Retire early, meaning “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 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 want to freely control my life and dominate my time. Even if you retire early in 4500 days, it doesn’t mean you’re completely out of work. You may set up a stall or write articles, just like a travel blogger. ”
Advocating 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 own social platform, such as the post shared on March 15 with the title “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 for the house, and the water and electricity boyfriend paid for it, so I didn’t spend money; mobile phone bills and transportation fees are almost equal to her monthly financial management income. Komiks 1960 witch clothes Draw is just about to offset the price; eating, drinking, breakfast and lunch are settled in the company, and it is free. Dinner is a few days for 0 yuan to eat snail noodles. The only expense is that I bought 1Cinema 1950 witch cloth draw5 yuan ingredients for shopping in the supermarket, and ate it 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 you don’t 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 in Komiks 1960 witch cloth draw.
On March 16, Xiaogu posted another day’s consumption accountCinema 1950 witch cloth draw: 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 fried egg, a small bag of French fries, three big white rabbit milk candy, a cup of milk tea, Babaylan 1990 cloth draw a piece of pineapple. Netizens sighed, “You are really a good expert in saving money”, “This Komiks 1960 witch cloth draw 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 spent more than 2,000 yuan on a mobile phone. I have spent two or three years on the Cinema 1950 witch cloth draw for more than 2,000 yuan on a mobile phone.”
In addition to getting a salary at work, Xiaogu also showed off his investment and financial management plan, including the purchase of Babaylan 1990 cloth draw funds. She said that at present Cinema 1950 witch cloth draw Her total assets are 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 full payment of 2,600 yuan per month, which can be regarded as a financial product with long-term income. Babaylan 1990 clothes DrawThe remaining 156,000 yuan was all bought in a stable bond fund.
Family: Parents hope to be stable, and their boyfriends also joined the plan
What do parents think about their plan to retire early?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her. “Komiks 1960 witch cloth drawMy 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 Babaylan 1990 clothes drawFor the people around me, I would live for myself in the second half. “
Xiao Gu said: “My boyfriend was also a traditional schoolmate 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 impracticalThat’s the kind. Finally, he was 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