Group 1 - The article discusses the resurgence of science fiction in popular culture, highlighting the return of series like "Black Mirror" and "Love, Death & Robots," which reflect the increasing relevance of sci-fi themes in contemporary society [1][15] - It emphasizes the concept of a technological singularity, where advancements in AI and other technologies could lead to a utopian society characterized by abundance and reduced need for work [3][10] - The article references Nick Bostrom's book "Deep Utopia," which explores three progressive future scenarios: post-scarcity, post-work, and post-instrumental eras, each representing different stages of societal evolution in response to technological advancements [4][10] Group 2 - The post-scarcity era is described as a time of material abundance where basic needs are easily met, drawing parallels to the myth of Cockaigne, a utopian land of plenty [6][8] - The post-work era envisions a future where automation eliminates the need for human labor, raising questions about the meaning of work and how society will adapt to reduced employment opportunities [10][11] - The post-instrumental era suggests a world where human effort is no longer required to achieve desires, leading to a potential shift in societal values and the concept of personal achievement [12][13] Group 3 - The article raises critical questions about the implications of advanced technology on human purpose and meaning, particularly in a future where work may no longer be necessary [17][19] - It highlights the need for society to redefine concepts of work and learning in light of these technological advancements, suggesting a potential shift towards leisure and community engagement [11][14] - Bostrom's work is positioned as a philosophical exploration of these themes, encouraging readers to consider the future of humanity in a world dominated by superintelligent AI [15][17]

Core Viewpoint - The article discusses the rising trend of "lying flat" among young professionals in China, highlighting the emergence of a new profession called "lying flat planner" that assists individuals in achieving financial independence and a less stressful lifestyle through strategic financial planning and relocation to lower-cost living areas [1][2]. Group 1: The Concept of "Lying Flat" - "Lying flat" refers to the pursuit of financial independence and early retirement (FIRE), where individuals aim to accumulate enough wealth to cover their living expenses through passive income [1][2]. - The phenomenon is driven by young professionals feeling overwhelmed by high-pressure work environments in major cities, leading them to seek alternative lifestyles that prioritize mental well-being and lower living costs [2][4]. Group 2: The Role of Lying Flat Planners - Lying flat planners, like Xiao Jia, have gained popularity by providing financial advice and identifying low-cost living areas for those looking to escape the pressures of urban life [2][4]. - Xiao Jia's network has expanded significantly, with over 3,200 friends on WeChat and multiple groups formed to share resources and support among individuals pursuing a "lying flat" lifestyle [4][6]. Group 3: Case Studies of Individuals - Individuals like Zhuang Zhou, who experienced a significant salary cut, found solace in the "lying flat" philosophy, realizing that many others share similar desires for a different lifestyle [5][6]. - Another individual, San San, moved to Huizhou, a city with lower living costs, and successfully transitioned to a "lying flat" lifestyle, highlighting the growing trend of young people relocating to more affordable areas [12][13]. Group 4: Financial Independence and Lifestyle Choices - The article emphasizes that achieving financial independence is not solely about accumulating wealth but also about finding a balance that allows for personal fulfillment and mental freedom [18][19]. - The concept of "coffee shop FIRE" is introduced, where individuals combine investment income with part-time work to cover living expenses, illustrating that financial independence can take various forms [18][19]. Group 5: The Future of the Lying Flat Movement - The article concludes with reflections on the sustainability of the "lying flat" lifestyle, suggesting that while individuals may find temporary relief, the pressures of societal expectations and financial responsibilities may still influence their choices in the long run [23].

以下文章来源于新周刊 ，作者阿瑞 新周刊 . 中国最新锐的生活方式周刊。 躺平也开始内卷起来了。 作者 | 阿瑞 编辑 | DR 来源 | 新周刊 （ID：new-weekly） "自己的失败固然可怕，但网友的成功更让人心寒。" 相信你已经刷腻了"××岁重启人生、年入百万"的心灵鸡汤，或许还会为自己与他人鲜明 的对比感到忧伤。 没 关 系 ， 那 就 切 换 频 道 ， 去 看 看 躺 平 博 主 ——" 25 岁 不 上 班 只 兼 职 " " 985 毕 业 已 躺 平 2 年" " 28岁没工作出租屋摆烂生活"，听起来是不是好受多了？ 最近两年，"被优化"不再是一件丢人的事，无论是高学历人士、大厂管理层还是普通人 都有可能被"毕业"。而这些人中迫切想要摆脱牛马身份的相当一部分，逐渐挤满了失业 博主赛道。甚至有人大胆发言："再不行动，你将错过最后的自媒体蓝海赛道。" 当蓝海变成红海，红海里面竟然还能开辟出小蓝海。博主们发现，即便没有工作，也不 必假装光鲜亮丽地重启人生、追寻旷野，哪怕只是拍一则放弃自律的vl og，其实也有机 会获得上万点赞。 只可惜，号称"看完我你就不焦虑了"的博主逐渐扎堆，躺平这件事， ...

Core Insights - The article discusses the financial planning necessary for individuals at the age of 35 in Shanghai, focusing on savings and investment strategies to achieve financial independence or "lying flat" [1][5]. Group 1: Savings Goals Calculation - A conservative savings model suggests that to "lie flat" in Shanghai, one needs approximately 300 million to 800 million CNY, depending on lifestyle choices and living conditions [4]. - Basic living costs in Shanghai are estimated to be between 7,000 to 12,000 CNY per month, translating to an annual expenditure of about 84,000 to 150,000 CNY [4]. - The 4% rule indicates that annual expenses divided by 4% equals the required savings, suggesting that for an annual expenditure of 150,000 CNY, a savings of 3.75 million CNY is needed [4]. Group 2: Alternative Plans for Insufficient Savings - If savings are insufficient, a "semi-lie flat" approach can be adopted, which includes reducing living costs and creating passive income streams [3][4]. - Suggested cost-cutting measures include moving to a second or third-tier city to reduce living expenses by 30-50% and controlling non-essential spending [4]. - Passive income can be generated through low-risk investments, skill monetization, and rental income from properties [4]. Group 3: Investment Strategies - The article outlines a two-phase investment strategy: high-growth investments in the first five years followed by a more stable approach in the latter five years [8][11]. - The first phase focuses on equity investments, with a suggested allocation of 70% in equity funds and 20% in thematic industry funds [8]. - The second phase aims for a target annual return of 8-10%, with a shift towards bonds and dividend-paying assets to reduce volatility [13]. Group 4: Risk Management and Emergency Plans - Key risk management strategies include maintaining an emergency fund equivalent to six months of living expenses and diversifying investments to mitigate market risks [12][14]. - Insurance coverage is recommended to protect against significant health or accident-related expenses, ensuring that savings are not depleted [12][14]. Group 5: Execution Recommendations - Immediate actions include starting a systematic investment plan in selected funds and conducting quarterly reviews to adjust asset allocations as needed [15][16]. - A five-year milestone is suggested to evaluate progress towards financial goals, with adjustments made if targets are not met [17]. Group 6: Long-term Financial Outlook - By following the outlined savings and investment strategies, individuals have a high probability of accumulating between 3.5 million to 5 million CNY in ten years [18].