以下文章来源于谷雨数据 ，作者谷雨数据 谷雨数据 . 腾讯新闻出品、谷雨工作室旗下栏目，聚焦数据新闻、数据报告。 要存多久？ 作者 | 小山 设计 | 小山 编辑丨赤耳、郝库 来源 | 谷雨数据 （ID： guyudata ) 经常能在社交媒体上刷到这样的帖子："28岁存款100万退休躺平"或者"30岁存200万靠利息生活"。仿佛只要咬牙攒够一笔钱， 就能立刻告别工作，过上每天睡到自然醒的理想生活。 但稍作估算就会不幸地发现，这一切根本没有那么简单。事实上，别说存款百万了，10万这道坎就拦下了一多半年轻人。 01 人均存款超10万，一多半年轻人不达标 爱存钱三个字已经写在中国人的基因里，储蓄规模年年创历史新高。央行发布的金融统计数据显示，在经历了几年的超额储蓄，存 款余额大幅增加的情况下，2024年，中国住户存款增加了14.26万亿元，至此人均储蓄首次超过10万元大关，达到10.7万。 结合国家统计局发布的数据可以看出，近年来住户存款增速普遍高于人均可支配收入增速，可谓存的速度比挣的速度还快。 16.67 80 17.84 60 9.90 11.30 40 9.70 7.20 4.60 20 5.16 O 2 ...

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 ...