提前退休的基本门槛

Core Viewpoint - The article discusses the "FIRE calculator" as a tool to estimate how long one can live without working, based on a certain principal amount invested and annual expenses deducted from investment returns [1][2]. Group 1: Financial Calculations - The annual consumption is calculated as: Yearly Consumption = (1 + Inflation Rate%) × Previous Year Consumption [2]. - The annual interest is calculated as: Yearly Interest = (Previous Year Principal - Yearly Consumption) × Annualized Interest Rate% [2]. - The principal for the next year is calculated as: Principal = (Previous Year Principal - Yearly Consumption + Yearly Interest + Yearly Income) [2]. Group 2: Investment Scenarios - A scenario is presented where a 30-year-old with 3 million yuan principal, an annual investment return of 4%, and first-year expenses of 60,000 yuan can sustain themselves for over 100 years under a market inflation rate of 2.229% [2]. - The article suggests that with appropriate housing and 3 million yuan for investment, achieving a 4% annual return could be a basic threshold for early retirement [7]. Group 3: Economic Context - The average inflation rate in China over the past decade is around 2.229%, indicating that food prices have remained relatively stable, not reaching the annualized inflation rate [7][8]. - The article emphasizes that even with higher expenses in certain years, the principal plus investment returns should suffice to last until old age, potentially leaving a surplus [7]. Group 4: Social Considerations - The discussion touches on societal perceptions of wealth and status, noting that having 3 million yuan is a significant achievement that places individuals in a rare category compared to the general population [8][15]. - It highlights the psychological aspects of retirement, suggesting that individuals may still seek purpose and social respect even after leaving the workforce [10][23].