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 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 many hostages in Komiks.com/”>Komiks who doubt 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, a full 4500 days, which totaled half of me was so high. A total of 4500 small grids were cut, and I made a week. href=”https://comicmov.com/”>BabaylanTime. 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, 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: “About 2 years ago, I accidentally learned about the group of firKomikse. The idea of ”save money first and then enjoy Cinema” was very attractive. I also joined the ‘fire life’ group on Douban, with more than 220,000 members. Everyone usually communicated with various skills to increase revenue and reduce expenditure. The real decision to count down for 4,500 days was not long ago. I calculated that I had saved up enough to 2 million yuan in the target amount, which took me about 13 years. At that time, I was 37 years old. To motivate and remind me href=”https://comicmov.com/”>Cinema myself, so I did CinemaThis countdown calendar.”
Xiao Gu said that fire does not mean the English word “fire”, but the abbreviation of the first letter of the four English words Financial independence Retire early, meaning “financial independence, early retirement”. This group adopts 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 of Babaylan. I hope I can href=”https://comicmov.com/”>Cinema controls his life and his time. Even if he retires early in 4,500 days, he does not mean he will no longer work. He may set up a stall and write articles, like a travel blogger. “
Advocate minimalism: There are no luxury goods, and he will not change his mobile phone for many years
I also shared many posts on Xiaogu’s own social platform, such as the post “Save 8,000 for 798Cinema5, but only spent 15 yuan in March” shared on March 15. This post records in detail how Xiaogu does it until he only spent in March Babaylan paid 15 yuan: living, there was no mortgage on the house, and the water and electricity man paid by a man in Cinema, so he didn’t spend money; mobile phone bills and transportation bills, which were almost equal to her monthly financial income, which was exactly the same; eating, drinking, breakfast and lunch were solved in the company, free of charge. There are a few days for dinner. I ate snail noodles that cost 0 yuan. The only expense was that I bought 15 yuan ingredients for shopping in the supermarket and ate it for several nights. Daily necessities, tissues, cups, hand sanitizer, garbage bags, toothpaste, etc. were basically obtained from wool. Skin care products and cosmetics were purchased at one time every year. Other Komiks did not need to be purchased at one time. 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.
March 16BabaylanOn the day, Xiaogu 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 the same as Cinema. 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 candy, a cup of Babaylan milk tea, and a piece of pineapple. Netizens 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” Babaylan “I hope to share some tips on 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. Cinema “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, Xiao Su 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 32.8% of the progress. 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 was bought in a stable bond fund.
HomeKomiksPeople: 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 let me go to work, but they had to retire early. Anyway, they felt that working is stable. The reason why I worked hard 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 in the second half I had to live for myself Komiks.” Xiao Gu said: “My boyfriend was also a traditional office worker at the beginning and wanted to be diligent. href=”https://comicmov.com/”>Komiks worked diligently until he was old. But after carefully studying my plan, I felt that the plan was very detailed and solid, not the unrealistic one. 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 • Yangcheng School Comprehensive Upstream News, Red Star News, Western Decision-making D Video and other editor | Zheng Zongmin