其中 年消费=(1+通胀率%)×上年消费 年利息=(上年本金-年消费)×年化利率% 本金=(上年本金-年消费+年利息+年收入) 近日刷到一个有意思的工具"Fire计算器"： 利用工具，可大致推算出：不工作了以后，利用一定本金进行合理投资，减去每年的开支 后，可以正常生活的年份数。 我粗略的算了一下，30岁，300w的本金，每年投资年化收益4%，首年的支出6w（即每月消 费5000），市场通胀率2.229%情况下，能活100+年。 | U 31 | 110161V | טעמעווסטעו | Unicunailu | | --- | --- | --- | --- | | 9 38 | -73167.51 | 135986.99 | 3535661.71 | | 10 39 | -74798.41 | 138434.53 | 3599297.84 | | 11 40 | -76465.67 | 140913.29 | 3663745.45 | | 12 41 | -78170.09 | 143423.01 | 3728998.38 | | 13 42 | -79912.50 | 145963.44 | 379 ...

Core Perspective - The article discusses the dilemma faced by a Reddit user regarding early retirement versus providing financial support to her son, highlighting the emotional conflict between personal desires and parental responsibilities [1][3]. Financial Situation - The original poster (OP) and her husband, both 48 years old, have a combined net worth of 8.1 million dollars, built through steady careers and a modest lifestyle [2]. - Their son is in college and will graduate debt-free, with additional funds for graduate school, alongside a stock account worth approximately 250,000 dollars [4]. Parental Support and Concerns - The OP feels guilty about considering retirement, fearing her son may struggle financially due to his choice of a low-salary career path, despite his hard work and commitment [5]. - The husband believes they have provided sufficient support, suggesting it is time for their son to become financially independent [5]. Emotional Conflict - The OP has already provided significant financial support, yet her emotional concerns about her son's future are impacting her ability to enjoy her own financial success [6]. - The article emphasizes that the OP does not need to delay retirement; instead, she can find a balance between enjoying her life and ensuring her son's financial security through planning and communication [7].

Core Insights - The typical American retires at age 62 after approximately 40 years of work, but retirement timing varies significantly based on savings and location [1] - A comfortable retirement may require savings of $800,000 or more, with higher costs in certain states necessitating over $1 million [2] - The average retirement savings for Americans aged 65 to 74 was only $200,000 as of 2022, indicating a significant gap between actual savings and ideal retirement goals [3] State-Specific Insights - The number of years required to reach ideal retirement savings varies from less than 30 years to over 70 years depending on the state [4] - In states with high living expenses, such as Hawaii, achieving the ideal retirement savings goal on an average salary is not feasible [4] - The study identified the fastest states for retirement, including Illinois, Minnesota, Georgia, Michigan, Virginia, and Texas, with retirement goals ranging from approximately $813,559 to $948,755 and average wages between $63,120 and $72,060 [6][9][10][11][12]

Core Viewpoint - The article discusses the challenges young people face in saving money for retirement, highlighting that while average savings are increasing, many individuals struggle to meet even basic savings goals [2][3][4]. Group 1: Savings Trends - The average household savings in China surpassed 100,000 yuan for the first time, reaching 107,000 yuan in 2024, with a total increase of 14.26 trillion yuan [4]. - The growth rate of household savings has consistently outpaced the growth rate of disposable income, indicating that people are saving faster than they are earning [5][6]. - In major cities like Beijing and Shanghai, average savings are significantly higher, with Beijing at 325,000 yuan and Shanghai at 250,000 yuan [8]. Group 2: Young People's Savings Challenges - A survey revealed that 53.7% of young people in second-tier cities and above have savings below 100,000 yuan, with 12.2% having no savings at all [9]. - Despite the low savings rates, many young people aspire to save for goals like buying a home or retiring early [12][15]. - The majority of young people believe they need between 500,000 to 2 million yuan to retire comfortably, with 27.6% choosing the 100,000 to 200,000 yuan range [16][17]. Group 3: Retirement Savings Calculations - The article introduces the "4% rule," suggesting that having savings equal to 25 times annual expenses can allow for retirement through investment returns [20][21]. - For example, if annual expenses are 40,000 yuan, one would need 1 million yuan saved to retire comfortably [21]. - The required savings for retirement varies by city, with the highest being 1.42 million yuan in Hangzhou and the lowest at 770,000 yuan in Harbin [25][26]. Group 4: Realities of Saving for Retirement - The article emphasizes that achieving significant savings by age 30 is extremely difficult for most young people due to various life expenses and financial pressures [29]. - A study indicates that only 25% of young people can stick to their savings plans, with major life events often derailing their financial goals [32]. - The average monthly expenses for young people are heavily influenced by housing costs, which consume a large portion of their income [34]. Group 5: Long-Term Savings Outlook - Calculations show that in cities like Nanjing, it would take about 32 years to save enough for retirement, while in Kunming, it could take up to 89 years [35]. - The article suggests that working in high-income cities and retiring in lower-cost areas could significantly reduce the time needed to save for retirement [38]. - Living in rural areas post-retirement could also be a viable option, requiring significantly less savings [39].

Core Viewpoint - The article discusses the rising popularity of Ningbo as a desirable relocation destination for young professionals and urban middle-class individuals seeking a better work-life balance and a more relaxed lifestyle compared to major cities like Beijing and Shanghai [3][5][10]. Summary by Sections Living Conditions - Ningbo is characterized by its affordable housing, with an average price of around 20,000 yuan per square meter, making it more accessible than cities like Shanghai and Hangzhou [15][26]. - The city offers a pleasant living environment with natural scenery, including lakes and parks, contributing to a relaxed lifestyle [5][11]. Economic Opportunities - Ningbo has a robust manufacturing and foreign trade sector, providing ample job opportunities for young professionals [10][18]. - The city offers attractive talent subsidies, including a rental subsidy of 10,000 yuan per year for up to three years for individuals under 35 who have paid social insurance for six months [10][15]. Lifestyle and Culture - Residents of Ningbo enjoy a slower pace of life, with a focus on work-life balance, where work occupies only about 30% of their lives [24]. - The local culture emphasizes enjoying life rather than being overly competitive, with leisure activities such as cycling and visiting parks being more common than nightlife [18][22]. Education and Family Life - Ningbo is noted for its strong educational environment, with a high number of academicians, making it appealing for families with children [26]. - The city provides a nurturing environment for children, allowing them to grow up in a less pressured atmosphere compared to larger cities [26]. Health and Well-being - Many newcomers report improved health and well-being after relocating to Ningbo, attributing this to the city's lifestyle and environment [27]. - The absence of a vibrant nightlife encourages healthier living habits, such as cooking at home and maintaining regular sleep patterns [27].

Core Viewpoint - The article discusses an individual's financial situation and considerations for early retirement, highlighting income, expenses, assets, and liabilities, while reflecting on lifestyle choices and future plans [1][6]. Income Situation - The individual has a monthly net income of approximately 33,000 yuan, which includes salary and housing fund contributions [2]. - The individual has been investing in stocks for eight years, achieving an average return of 8.5%, but expresses concern over the volatility and sustainability of these returns [2]. Expense Situation - Fixed monthly expenses include a mortgage of 2,200 yuan and living expenses of 1,500 yuan. There are plans to purchase a car, which may increase future expenses [3]. - The individual currently lives in company-provided accommodation, with rent deducted from salary [3]. Asset Overview - Total assets include 150,000 yuan in cash, 50,000 yuan in a housing fund, approximately 2.8 million yuan in investment accounts, and a property valued at around 700,000 yuan [4]. - The individual has a net asset value of 2.5 million yuan, excluding the property from the calculation due to its market variability [6]. Liability Overview - Liabilities consist of a mortgage of 150,000 yuan, consumer loans of 150,000 yuan, and 200,000 yuan allocated for managing parents' finances [5]. Retirement Plans - The individual is considering early retirement due to dissatisfaction with current employment and a desire for a simpler lifestyle, believing that a 6% annual return on existing assets would suffice for future expenses [6]. - The individual expresses curiosity about activities post-retirement and reflects on the experiences of others who have retired early [6]. Lifestyle Considerations - There are discussions about the implications of being single at 35 and the potential for regret if not pursuing relationships or family [8]. - Suggestions are made regarding engaging in hobbies or entrepreneurial activities post-retirement, emphasizing the importance of maintaining social connections and financial stability [9][11].

Core Insights - The concept of retirement is evolving, with younger generations, particularly Gen Z, actively seeking early retirement as a lifestyle choice rather than a necessity [1][3] - The Chinese government has introduced a flexible retirement policy allowing workers to retire up to three years early, reflecting a shift in societal attitudes towards work and retirement [1][3] - The FIRE (Financial Independence, Retire Early) movement has gained traction globally, emphasizing minimalism and financial independence as pathways to early retirement [3][5] Group 1: Retirement Trends - The implementation of a flexible retirement system in China allows employees to choose early retirement under specific conditions, with the earliest retirement age set at 50 for women and 60 for men [1] - Many young people are increasingly discussing the possibility of early retirement on social media platforms, with over 400,000 members in various FIRE groups on Douban [3] - A significant percentage of young workers, particularly in the internet sector, report chronic fatigue, which drives the desire for early retirement [3][5] Group 2: Lifestyle Changes - The perception of retirement is shifting among younger generations, who view it as a state of life that can be achieved at any age rather than a fixed milestone [5][10] - Individuals like Xia Babai are planning for early retirement with substantial savings, indicating a trend towards prioritizing personal fulfillment over traditional career paths [5][11] - The rise of knowledge-sharing platforms and courses targeting retirement anxiety reflects a growing market for financial independence education [7][9] Group 3: Challenges of Early Retirement - Despite the allure of early retirement, many individuals face challenges in maintaining financial stability and personal fulfillment post-retirement [9][11] - The experience of early retirees often includes a realization that financial independence does not equate to a stress-free life, as seen in the case of Sam Dogen, who returned to work after facing financial pressures [9][10] - The concept of "pretend retirement" has emerged, where individuals continue to work in less conventional roles while claiming to be retired, highlighting the complexities of achieving true financial independence [11][15]

以下文章来源于凤凰网 ，作者燕青 凤凰网 . 关心生长的力量，凤凰网官方公众号 体面离开。 作者 | 燕青 编辑｜周褶褶 来源 | 凤凰网 （ID:ifeng-news) 45 岁的前大厂人徐春柳已经正式退休2个月。3月14日，他即将领到第二个月退休金， 共计5821.45元。不久前，徐春柳用"肝师傅"这个名字发了一条视频号内容，说自己 "成了第一批提前退休的80后，同时也是最后一批提前退休的人" ，获得了网友过万点 赞。 我连续在两家大厂的内容部门工作了15年，可以说是行业内两家最顶尖的公司了。这15 年时间我一直在向前冲，说实在的，那阵从来没有想过"退休"这两个字。但是现在回头 看，就好像有无形的浪潮步步逼退我。 如他所说，"提前退休"这一昭示着自我解放的生活方式，已成当代职场人的绝唱—— 2025年1月1日，《国务院关于渐进式延迟法定退休年龄的办法》正式施行，同一天， 申请"提前退休"的通道关闭，各地区企业职工因病或非因工完全丧失劳动能力退休和退 职政策，以及相关病退和退职政策停止执行。也就是说， 以后不可能再有45岁就退休的 人了 。 上述文件发布日期是2024年9月27日，事实上在这之前，办理提前退 ...