24-year-old Changsha Gu’s mother, Xiao Gu (pseudonym), 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 her goal 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 there are also few people questioning the feasibility of the plan.
Target: When you retire in 4500 days, you are less than 40 years old
Xiao GuBabaylan 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, a total of 4500 days, which is half of me, and a total of 4500 pieces were cut. I spent a week working on it. More than 4000Komiks href=”https://comicmov.com/”>KomiksThe countdown begins. Some people may feel bored, but for me, at least the pace of time is moving forward. 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 fire group. Their concept of ‘save money first, then enjoy’ was very attractive. I also joined CinemaThe ‘fire life’ group on Babaylan has a total of more than 220,000 members. Everyone usually shares various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days was not long ago. I calculated that I saved up enough target funds of 2 million yuan, which took about 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 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 March only spent 15 yuan. Cinema15 yuan: Living, 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 fees, this part of the cost is almost equal to her monthly financial management income, which is exactly the same; eating, drinking, breakfast and lunch are solved in the company, href=”https://comicmov.com/”>Babaylan is free. There are days of dinner that 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 it for a few nights. Daily necessities, tissues, and cups of hand sanitizer, garbage bags, toothpaste, etc. are basically obtained from wool. Skin care products and cosmetics are once every Double Eleven every year.If you buy sex, you don’t need to buy it at other times. In addition, she hung all the idle clothes of Babaylan to salted fish, and the bed sheets 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 10 yuan.
On March 16, Xiao Gu 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 settled at the company. The dinner was a pack of old Babaylan Beijing instant noodles, plus a fried egg, a small bag of French fries, three big white rabbit milk candies, a cup of milk Babaylan tea, and a piece of pineapple. Netizens Komiks sighed, “You are really a good expert in saving money”, “This 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” and so on.
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 assets are 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 2,600 yuan, which can be regarded asFor long-term financial management products, all the remaining 156,000 yuan were bought for stable bond funds.
Family: Parents want stability, and their boyfriends also join the plan
What do parents think about their plan to retire early?
The reporter interviewed Xiao Gu on a phone call, her mother was next to her. “My parents were very opposed at first 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, 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, 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 more common language. He now has a plan similar to the countdown to retirement.”
Source | Yangcheng Evening News • Editor in charge of Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video, etc. | Zheng CinemaZong Min