Author / Jingjing Master
typography / Jingjing Master
Number of articles / 2266
Reading time / 4 minutes
official account has a function. After each article is published, the bottom will recommend some tweets of the same category according to readers' preferences.
For example, a while ago, I just finished posting "I want to live a life next year", and found this article under my article:
"At 26, I plan to officially retire!"
with curiosity, clicked in and read it, and then... there were several articles at first glance...
(a bit stuck in the life described by this author, I can't get out...hhh)
— 01
— 01
who announced that "they will retire at the age of 26" was a girl.
I feel that her work should be similar to mine, and she does self-media in the "public account + short video" mode.
However, their "source of income" is richer than my .
After her retirement, part of the "little money" was and . That is, the benefits brought by public accounts and short videos; another part of
is passive .
For example, bank large certificates of deposit interest.
The so-called interest on large-denomination certificates of deposit, according to the girl, her monthly income is about 7,000 yuan, which is about 100,000 yuan a year.
and the amount is 7,000 per month, is just enough for her rental and daily life in Beijing.
This should be regarded as a "priority factor" that supports her early retirement.
After all, when "passive income" can cover 's "daily expenses", even if "financial freedom"
has been completely realized, all fat friends must take out their computers to do math...
Don't worry, I will circle the answer for you:
According to the annual interest rate she provided, this girl who retires early has at least 2.4 million in the bank.
In addition to the interest brought by deposits, her passive income also has the share of "short video studio".
can be commonly understood as MCN.
means: If the little bloggers she helps receive advertisements, they will give her money in proportion. It is also a significant and stable income.
— 02
The source of income of this retired girl can be used as a reference case for fat friends.
But in addition to that, I would like to talk to you about the concept of "early retirement" .
The "early retirement" here is different from "completely lying flat"...
Its original version comes from the "FIRE" sports in the United States. There is a detailed explanation in a book published in 1992, "Life of Abundance: Money or Life".
I will probably explain it to fat friends~
The two more important points in the book:
First, it is the explanation of FIRE movement.
The so-called FIRE movement refers to: we must escape the work of sucking souls, occupying time, and the economic mode driven by consumerism.
From these two explanations, one is to downgrade consumption, and the other does not mean: after retirement, I will no longer work, lie at home, and enter a state of 60 or 70 in advance.
But: "I don't do the bad jobs that consume my emotions and dominate most of my time"
is like the retired girl mentioned earlier in the article.
Some people may question: Isn’t she retired? Why do you still write a public account? How do you still accept advertisements for short videos?
Give a simple example to illustrate~
FIRE before:
There was an advertisement for a short video today, but it was not pleasant to communicate with the brand. But after thinking about it, let’s bear it. Making money is important.
FIRE after:
Her short videos are mainly about making the content they like and are not subject to money-making. If a brand comes to find it, but the communication process is hindered, then I'm sorry to not answer it. The brand likes to look for whoever it wants.
That is to say , the meaning of FIRE lies in :
She can do whatever she wants. Do whatever you want, just choose what you like and make yourself happy. Focus on spiritual pleasure, not on material harvest.
— 03
After the concept is clear, fat friends may be curious:
Then how do I know, how much I like, can I live a down-to-earth life in this kind of FIRE?
Regarding this specific data, has the formula that can be calculated.
You can call it "4% rule"
What does it mean?
Some scholars from Beautiful Country have found through researching stock market data and retirement cases that the current market can probably meet the investment interest rate of 4%.
That is to say:
Suppose that your annual expense is 50,000 yuan. If you want to rely on the "return" of investment to cover the annual expense of 50,000 yuan.
Then 50,000➗4%=1.25 million
That is, as long as you save up 1.25 million and get a large deposit certificate in the bank, you can retire early and enjoy a FIRE life.
PS: According to online information, if the bank deposits 1 million yuan for 3 years, the interest rate is around 4%, and the interest rate can be settled monthly.
Or, if you can't remember 4% of them, you can also calculate it like this: 1.25 million is 25 times that of 50,000.
That means : As long as you save 25 times your -year expenses, you will be free of life and work.
The data of makes people happy lies in :
Before, we were vague about how much money we had to save enough to avoid being angry with work; or, we always think that the money we need must be a lot, right? It costs millions, right?
But now, not only are there data standards, but each of us can calculate our own standards based on our own situation.
Think about it, suppose your monthly expenses are 3,000 and your annual expenses are 36,000, that 25 times is equal to 900,000.
This makes people feel a little bit hopeful, right? Even if I have to work, save money, and suffer a little grievance now, I can hold back hhhh
— 04
Finally, let’s talk about something strange.
Regarding "FIRE movement", there are actually some subdivided modes .
For example, "slim FIRE"
It describes a relatively frugal lifestyle.
I don’t know if fat friends still remember:
A long time ago, I also shared a girl in my article. Her attitude towards life actually belongs to "slim FIRE"
This girl has no material desires. She will buy second-hand shoes for 40 yuan from salted fish and pick up useful flower pots from the community trash can to go home. I basically rely on my husband’s salary of 4,500 yuan to manage my family’s life every month.
, but not only can I spend it all, I can save a little bit. The FIRE state of
depends on your own low material desire and consumption downgrade .
For example, "Coast FIRE"
This FIRE refers to the fact that the "retired" has saved up 25 times the annual expenditure. However, they did not give up on their jobs altogether.
They just no longer work for money, they are still doing things happily every day, and what they do is entirely out of their own interests.
Let’s give an example:
Assuming that one day I can get FIRE, it’s very likely that I am in this form of “coast FIRE”…
Because I really like writing too much~
I may be able to accept not letting me take videos, but if I force me to not write, I may be depressed hhh
— end
OK. Today’s article is to give fat friends a "new perspective"
Not everyone, you can only retire when you are fifty or sixty years old!
(In fact, every time I think of retiring at the age of 60, I always feel depressed)
PS: Regarding the book "Abundant Life", I just glanced at it and didn't read it carefully. And last night, I found that there were already many groups working on FIRE life on Douban. If fat friends are interested, they can also take a look at other people's FIRE plans~
