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 has not come to live a life of living everywhere. 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 after 4500 days, you are 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 fire, I made a 4500-day retirement countdown calendar. I read that right, the whole 4500 days, which is half of me, and I cut a total of 4500 small grids. I did it for a week. The countdown started after more than 4000 daysCinema, maybe some people will feel bored, but for me, 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: “I came up with this idea about two years ago. I accidentally learned about the fire group. Their concept of saving money first and enjoying it later was very attractive to me. I also joined the “fireCinema. The Cinema has a total of more than 220,000 members. Everyone usually communicates with various skills to increase revenue and reduce expenditure. The real decision to count down to 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.I was 37 years old. To motivate and remind myself, I made this countdown calendar. ”
Xiao Gu said that fire does not mean the English word “Komiks”; it is the abbreviation of the first letter of the four English words: Financial independent, retire early. This group pursues the concept of “save money first, enjoy it later”, and lives a minimalist life by reducing material desires, and covers it with investment returns. href=”https://comicmov.com/”>CinemaDaily spending, so that I have the confidence to pursue my favorite lifestyle. “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 achieve early retirement after 4,500 days, Komiks will not be working at all. You may set up stalls and 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 social platform, such as the post shared on March 15th with the name Babaylan for “Save 7985 for 8,000, I only spent 15 yuan in March”. 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 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, Komiks is just right to pay; eating, drinking, breakfast and lunch are resolved by the company, free. Dinner is a few days to eat 0 yuan. The only expense is supermarket shopping.omicmov.com/”>Cinema bought 15 yuan ingredients and ate them for several nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste and other basic products are all obtained from wool; skin care products and cosmetics are purchased at one time every year, and there is no need to buy them at other times. In addition, she hung all the idle clothes on salted fish, and the bed sheets Babaylan and a skirt 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, Xiaoju href=”https://comicmov.com/”>Cinema posted another Cinema‘s daily 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 candy, 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”… Under Xiaogu’s post, there were also netizens comments: “This is financially free”, “I hope to share some tips for saving money in the future”, etc.
Xiaogu said that he now advocates minimalism, and his daily consumption is indeed very low, and he doesn’t know how to Komiks makes any risky investment. “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 her investment and financial management plan, including the funds she purchased. She said that her total assets are currently 656,000 yuan, and she has completed the progress. href=”https://comicmov.com/”>Babaylan32.8%. With her parents’ sponsorship, she spent 500,000 yuan to buy an apartment in Changsha. Her monthly rental income of 2,600 yuan can be regarded as a financial product with long-term income. The remaining 156,000 yuan bought all of the stable bond funds.
Family: Parents hope to be stable, and her boyfriend also joined the plan
What do parents think about her plan to retire early?
When the reporter interviewed Xiao Gu on the phone, her mother was next to her. “My parents were very opposed at the beginning because they finally let me go to work, but they 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 one at the beginning. href=”https://comicmov.com/”>BabaylanOffice workers want to work diligently until they are 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 have more common language. He now has a plan similar to the countdown to retirement.”
Source | Yangcheng Evening News•Yangcheng School Comprehensive Upstream News, Red KomiksStar News, Western Decision-making D Video, etc. Cinema| Zheng Zongmin