本人情况： 36岁 未婚无孩 一线城市房产一套 还剩20年贷款月供8000。 在一家IT大厂工作了十几年，职业天花板了，也不想卷了，计划明年离职，最近在看FIRE运 动，想彻底不工作了。 目前投资帐户总额含收益大概250万，40%指数基金，60%港股，年化收益8%～10%。 其他被动收入一年大概20万。 自己身边像我差不多情况的，我觉得比较少，不知道这种想法是否ok，最近也在做心理建 设，听听大家意见。 昨天半夜写的有些信息没有交代清楚： 1、房子买的比较早，在核心地段，交通便利，享受到了地产红利，比最高时跌了30%，总价 大概650万，目前应该是不会卖了努力还完贷款。 2、未婚无孩不是故意的，不是不想结婚，是一直没找到合适的，以后应该还是会结婚，但不 想现阶段因为这个困扰自己。 3、很多集友问被动收入，这个不太方便细讲，乐观估计至少可以持续10年。 4、指数基金那部份之前主要是跟踪E大的长赢，我看论坛里有人说收益率不高，但是我的确 实还可以，主要是还加上了波段操作，还开一些黑车，连续七八年了，回撤很小，收益稳 定。 ylshxajh 250万足够了，我做职业投资的时候本金才120万。 当初我是因为孩子出生， ...

海蒂·巴利儿时目睹过家人用食品券购买杂货的场景。上大学时，又曾因无力负担学费而辍学。二十多 岁时，本已艰难度日的她又遭遇减薪，年收入降至仅3.4万美元。但今年夏天，41岁的她终于实现了多 年夙愿——成为百万富翁。 如今，跻身百万富翁行列的普通美国人数量激增，这一阶层曾是名人富豪和企业高管的专属。但随着百 万富翁队伍的扩大，其身份象征意义正在发生变化，人们对"富豪"的定义也已今非昔比。 加利福尼亚州埃尔塞贡多财富管理机构Running Point Capital Advisors首席投资官迈克尔·阿什利·舒尔曼 指出："过去，人们想到百万富翁，脑海里浮现的是《大富翁》游戏里戴着大礼帽的'钱袋子叔叔'形 象。如今，这一称号已不再是出入豪门盛宴的通行证，而是成了平民富裕阶层的代名词，虽然财务安 全，但离私人飞机还差两个零。" 在通货膨胀、房价飙升的推动下，加之普通投资者数十年如一日持续投资股市获得的丰厚回报，数百万 美国人迈入百万富翁行列。瑞银集团（UBS）6月发布的一份报告显示，已有约十分之一的美国成年人 跻身百万富翁俱乐部（指资产达到7位数），并且去年每天都会新增约1000名百万富翁。 根据《2025年瑞银全球 ...

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]