45岁，我领到了第一笔退休金

Core Viewpoint - The article discusses the experiences of an individual who became one of the first early retirees from the post-80s generation due to a serious illness, highlighting the complexities and challenges faced in the retirement process under new national policies regarding pension and disability allowances [3][4][5]. Group 1: Retirement Process and Policy Changes - As of January 1, 2023, the new national policy on pension insurance and disability allowances has made it impossible for individuals to retire early due to serious illness, marking the end of a significant era for many [3][6]. - The individual faced numerous bureaucratic hurdles while applying for retirement, including issues with social security contributions and labor relations with previous employers, which extended the process to nearly a year [6][7]. - The new policy will take full effect by January 1, 2025, ceasing the execution of early retirement policies for those who are completely unable to work due to illness [6][8]. Group 2: Personal Experiences and Financial Planning - The individual had been planning for early retirement since February of the previous year, calculating financial independence based on the FIRE (Financial Independence, Retire Early) principle, which suggests having 25 times annual expenses saved to achieve financial freedom [8][9]. - The retirement funds, combined with compensation from previous employment, provided a financial cushion, allowing for a lifestyle change that included moving to different climates for health reasons [8][10]. - The individual expressed a sense of relief and freedom after retirement, noting that the work environment had become increasingly stressful and unmanageable due to health issues and corporate restructuring [10][15]. Group 3: Industry Observations and Trends - The article reflects on the broader trends within the tech industry, particularly in large companies, where job security has diminished, and layoffs have become common, especially affecting older employees [12][17]. - The individual noted the impact of technological advancements on job roles, leading to a decrease in the perceived value of content-related positions, which has contributed to a challenging job market for those in the industry [14][19]. - The narrative also touches on the emotional and psychological toll of navigating corporate environments, especially for those facing health challenges, highlighting a shift in priorities towards personal well-being and family [10][19].