火退休
如果你50岁出头就退休, 40s, 30s, 甚至快30岁的人都对你有吸引力, you may be interested in joining the FIRE retirement movement. Designed for those who have the discipline and cash flow to save diligently, FIRE can be an effective path toward living a work-optional lifestyle. In this article, we will discuss what FIRE is and whether or not it may be right for you.
什么是FIRE?
FIRE代表“财务独立，提早退休”.“这个项目, 灵感来自薇姬·罗宾的书《赌博手游下载》," is built on the premise of saving more money month-to-month than traditional retirement approaches and utilizing low-fee investment choices to be able to afford retirement earlier than the traditional age.1
The “经济独立" portion of FIRE is considered to be about 25 times your yearly expenses. 例如, 如果你决定需要50美元,他退休后每年能靠那000英镑生活, 你需要存50个,000 x 25, or $1.2500万美元才算是经济独立. 一旦达到这个数字, you'd be able to retire and enjoy a life of financial freedom, withdrawing about three or four percent from your nest egg each year.
加入FIRE运动前的首要考虑
30多岁就退休听起来好得令人难以置信. 事实上, the whole FIRE movement and premise of retiring early can sound like more of a daydream than reality. 对一些人来说，可能就是这样. But for others who are able or willing to embrace the lifestyle, 在生命早期经济独立是可能的. Here are a few important considerations to make before deciding if the FIRE program may be right for you.
注意事项1:你需要明智地花钱
The big factors of the FIRE program are income, expenses, and time. 这个想法是, 收入和支出之间的差距越大, the less time it will take you to reach financial independence. 虽然这听起来很极端, depending on your timeline and desired income level in retirement, you could be looking to save more than half of your income to put toward early retirement. This is something that would need to be calculated individually, 因为它是基于你的收入水平和当前的开支. 然而, living a frugal lifestyle now is almost always a universal requirement of the FIRE program and other early retirement seekers.
Consideration #2: FIRE Followers Don't Embrace Traditional 退休
对于那些希望使用FIRE方法提前退休的人, “退休”并不意味着无所事事. FIRE followers are typically more focused on the first part of the acronym, “经济独立,“他们更倾向于提前退休. That means that they're likely to still work in retirement or pursue a passion project they were previously unable to due to the confines of a full-time job.
考虑#3:你需要一个“为什么”
和很多财务目标一样, it can be hard to find the motivation to skip dinners out or splurging on a new outfit. 当你有一个难以形容的提前退休的想法, there's little motivation to skip out on some enjoyment today for the possibility of an early retirement a decade down the line. 而不是, those who have embraced the FIRE method often put a “why” to their savings programs, 尽可能具体是很重要的. Define your “why” and let it guide you in making positive progress toward your financial independence.
The FIRE program is an appealing method of reaching retirement early on in life and allows for its followers to find the flexibility in doing what they love. 它, 然而, take self-discipline and the ability to spend less today in order to save for tomorrow. 如果你考虑使用FIRE方法, it may be wise to work with a financial professional who can help you understand your current spending habits and what you’ll need in order to find financial independence for an early retirement.
1. Vickirobin.com, 2023
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