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 has shared in detail her retirement plan and her usual financial management skills, hoping 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 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 countdown retirement countdownCinema days of retirement countdownKomiks time calendar. I read that right, the whole 4,500 days, which totaled half of me was so high. A total of 4,500 small grids were cut, and I spent a week. The countdown started after more than 4,000 days. Some people might feel bored, but for me, at least the pace of time is moving forward, and I keep 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 now. Why is this method of retiring early when Babaylan is so young? She said: “About 2 years ago, I accidentally learned about the fire group. Their concept of “save money first and then enjoying Komiks” was very attractive. I also joined the “fire life” group on Douban, with more than 220,000 members. Everyone usually communicates with various skills to increase revenue and reduce expenditure. Really,I decided to count down 4,500 days to retire. Not long ago, I calculated that I had saved up enough of the target amount of 2 million yuan, which would take about 13 years. I was 37 years old at that time. To motivate and remind myself, I made this countdown calendar Cinema. ”
Xiao Gu said that fire does not mean the English word “fire”, but the abbreviation of the first letter of the word “fire”, meaning “financial independence, early retirementBabaylan href=”https://comicmov.com/”>Komiks“. 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, he has the confidence to pursue his 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 have an early retirement after 4500 days, it doesn’t mean you’re completely out of work. You may set up a stall and write articles like a travel blogger. ”
Advocating minimalism: There are no luxury goods, and mobile phones will not be replaced for many years
In the little thingBabaylan also shared many posts on her social platform about saving money and managing finances, such as the post shared on March 15 titled “Salary of 8,000 yuan, saving 7985 yuan, but I only spent 15 yuan in March”. This post records in detail how Xiaoju did it until it only cost 15 yuan in March: living, there is no mortgage on the house, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation fees, which are almost equal to her monthly financial income, which is exactly the same; eating, drinking, breakfast and lunch are solved in the company, free of charge. Dinner is a few days for 0 yuan to eat snail noodles, and the only expense is that I bought 15 yuan ingredients for shopping in the supermarket and ate it for a few nights; daily necessities, tissues, cups, hand sanitizer, garbage bags, teethBabaylan creams, etc. are basically obtained from Cinema; skin care products and cosmetics are every Double Eleven every yearBuy it at one time and you don’t need to buy it 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 earned more than 100 yuan.
On March 16, Xiaogu posted another day’s consumption account: Today’s interest income is 1Babaylan0 yuan, and it costs 2Cinema.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 candies, a cup of milk tea, and a piece of pineapple. Netizens sighed, “You are really a good expert in saving money”, “This noodles look delicious”… Under Xiaogu’s post, some netizens also commented on “This is financially free”, “Cinema hopes to share some tips for saving money in the future”.
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 capital is 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 260 yuan, which can be regarded as a long-term financial management product. The remaining 156,000 yuan was bought in a stable bond fund.
Family: Parents want stability, and boyfriends also join the plan
Return early for themselves<a href="https:/What do your parents think about the plan of Cinema?
When the reporter interviewed Xiao Gu on the phone, her mother was next to him. “My parents often opposed it 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 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, Komiks felt that the plan was very detailed and solid, not unrealistic. 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