Xiao Gu (pseudonym), a 24-year-old Changsha girl, has become popular on Xiaohongshu recently because she released a “4500-day Retirement Countdown Calendar”, sharing in detail her early retirement plan and her usual financial management skills, hoping to save enough of the 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 in 4500 days, you will be 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 will make Komiks a 4,500-day retirement countdown calendar. I read that right, the total 4,500 days, half of me is so high. In one href=”https://comicmov.com/”>Komiks cut a total of 4,500 small grids, and I spent a week. The countdown started in more than 4,000 days. Some people might feel bored, but for me, at least 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. KomiksWhy do you have the idea of retirement early at such a young age? She said: “About 2 years ago, I accidentally learned about the group of fire. Their concept of ‘save money first, then enjoy’ was very attractive to me. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually exchanged various skills to increase revenue and reduce expenditure. The real decision to count down 4,500 days to retire was not long ago. I calculated that I saved up enough to have a 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 made this countdown calendar.”
Xiao Gu said that fire does not mean the English word “fire”, but the Financial indepCinemaendence RetBabaylanire early abbreviation of the first letters of the four English wordsBabaylan, which means “Babaylan financially independent, 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 Babaylan‘s work, but I don’t like the unchanging work. I hope to freely control my life and dominate my time. Even if I retire early in 4,500 days, I don’t mean I’ll stop working at all. I may set up stalls and write articles, like a travel blogger.”
Advocating minimalism: There are no luxury goods, and I won’t change my mobile phone for many years
I also share a lot of money saving principles on my social platform. href=”https://comicmov.com/”>Cinema‘s financial post, such as the post shared on March 15 titled “Salary of 8,000 and saved 7985, but only spent 15 yuan in March”. This post records in detail how Xiaoju did it until it only cost 15 yuan in March: Cinema Living in, the house has no mortgage, and the water and electricity boyfriend paid for it, so it didn’t cost money; mobile phone bills and transportation fees, this part of the cost is almost equal to her monthly financial income, which is just about the same; food, drink, breakfast and lunch are solved in the company, free. There are several days of dinner when I eat snail noodles that cost 0 yuan, but Babaylan‘s one-time expense is that I bought 15 yuan ingredients for shopping in supermarkets and ate them for several nights; daily necessities, tissues, 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 there is no 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.
On March 16, Xiao Gu posted another day’s consumption account: today’s interest income is 10 yuan, and it costs 2.28 yuan. She isThe breakfast and lunch in the 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 candies, a cup of milk tea, and a piece of pineapple. Netizens sighed, “You are really a good expert in saving money.”Cinema “This noodles look delicious”… Some netizens also commented under Xiaogu’s post: “This is financially free”, “I hope to share some tips on saving money in the future”, etc.
Xiao Gu said that he now advocates minimalism, and Komiks usually consumes very lowly, and he will not make any risky investments. “I don’t have any luxury goods or some expensive electronic products. I have used it for two or three years for more than 2,000 yuan for a mobile phone.”
In addition to getting a salary at work, Cinema also posted his own investment and financial management plan, including the funds he purchased. She said that her total assets are currently 656,000 yuan, completing 32.Komiks8% of the progress. With her parents’ sponsorship, she spent 500,000 yuan to buy an apartment in Changsha. The monthly rental income of Cinema is 2,600 yuan, which can be regarded as a long-term income of Komiks’ financial products. The remaining 156,000 yuan has been bought in all of her stable bond funds.
Family: Parents want stabilityBabaylan, and their boyfriends have 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 Komiks. “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 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.” href=”https://comicmov.com/”>Babaylan
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, he 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 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, etc. Editor | Zheng Zongmin