Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular recently in Xiaohong’s book 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 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 totaled half of me was so high. A total of 4500 small grids were cut. I did it for a week. href=”https://comicmov.com/”>Cinema time. The countdown begins in more than 4,000 days. Some people may feel bored, but for me, at least the pace of time is moving forward. I am constantly walking towards the life I want. “
On the evening of March 17, the reporter contacted Xiao Gu. According to her introduction, she is a native of Changsha and is 24 years old. Why is Babaylan so young that he has the idea of retirement early? She said: “About 2 years ago, I accidentally learned about the Cinema group of fire. Their concept of saving money first and enjoying it later is very attractive to me. I also joined the ‘fire life’ group on Douban, and all the members are Babaylan..com/”>Cinemamore than 220,000 people, 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 of the target amount of 2 million yuan, which took about 13 years. At that time, I was 37 years old. In order to motivate and remind myself, I did this time calendar.” Xiao Gu said that fire does not mean the English word “fire”, but Financial indeKomikspendence BabaylanRetire early abbreviation of the first letter of the four English words, meaning “financialBabaylan independent, retire early”. 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, so that they have the confidence to pursue themselvesCinema likes 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 I retire early in 4,500 days, it doesn’t mean I’ll stop working at all. I may set up stalls and write articles, like a travel blogger.”
Advocate minimalism: No There are luxury goods, but my phone has not been replaced for many years.
I also shared many posts on Xiaogu’s social platform on her own. For example, a post shared on March 15 called “Salary of 8,000 and 7,985, 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. href=”https://comicmov.com/”>Komiks‘s monthly financial income is just about the same; eating, drinking, breakfast and lunch are solved in the company, and Babaylan is free. There were several days for dinner, which was 0 yuan for wool snail noodles. The only expense was that I bought 15 yuan ingredients in the supermarket and ate them for several nights; I ate them for daily necessities, tissues, cups, and washing my hands.Komiks liquid garbage bags and toothpaste are basically obtained by 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, Komiks hung all her idle clothes on salted fish, and the bed sheets and a skirt cost 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. On March 16, Xiaogu posted another day of consumption account: Today’s interest income is 10 yuan, and it costs 2.28 yuan. Her breakfast and lunch that day were also settled at the company. The dinner was a pack of Laobei 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”…Babaylan…At the Xiaogu’s post, some netizens commented: “This is already free in finance”, “I hope to share some tips on saving money in the future”, etc. Babaylan
Xiao Su said that he advocates minimalism now, and his daily consumption is indeed very low, and 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 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-termFor the income-related financial products, all the remaining 156,000 yuan were bought in stable bond funds.
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 the beginning because they finally asked me to go to work, but they had to retire early. Anyway, they felt that working is stable. 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. 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, I felt that the plan was very detailed and solid, not impractical. href=”https://comicmov.com/”>Babaylan‘s lifelike. Finally, he was moved by me and joined in. Now we have more common languages. He now has a similar plan to countdown for retirement.”
Source | Yangcheng Evening News • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video and other editor | Zheng Zongmin