A couple born in the 80s, with a deposit of 3 million and early retirement, netizens have a lot of discussions. Behind this, there is a choice to pursue a free life, a microcosm of the trend of "lying flat". They own an RV, have no loans and no children, and have a monthly financial income of 10,000 yuan. This kind of decision has sparked heated discussions among netizens, how much do you think you need to save to really have a sense of security?
Life trajectory. Ms. Chen, 33 years old, is a former game designerThe husband is 43 years old and originally engaged in the real estate industry. After losing their jobs, the two decided to retire early and became 30+ couples in Shanghai. Behind this decision was the prejudice that Ms. Chen encountered during the job search process. In many interviews, she was asked "when do you plan to have a baby". Because she did not want children, Ms. Chen was frequently unsuccessful and finally chose to give up looking for a job.
Economic. The two live outside the outer ring of Shanghai, with a car, a house, no baby, no loan, and no pressure in life. The deposit of 3 million yuan is divided into large-amount certificates of deposit and *** monthly financial income of 10,000 yuan. The couple plans to enjoy a leisurely life before the age of 70. This way of life has led Ms. Chen to believe that material wealth may not be rich, but spiritual prosperity is the true happiness of people.
Lie flat and live. Lying flat", Ms. Chen described her body and soul as completely free. No more being woken up by the alarm clock, no need to worry about missing the boss's message, you can wake up naturally every day. Got rid of the annoyance of co-workers and had more time to take care of your body. No more reliance on takeout and enjoy a do-it-yourself healthy diet. Although the living expenses are about 1,000 yuan a day, in Ms. Chen's view, such a lifestyle is far more enjoyable than material wealth.
Stones of other mountains. 
Unlike Ms. Chen, Alex on social media shared her retirement life at the age of 36. He and his wife have a live-in aunt who has children and cats. The deposit is 1.3 million yuan, and there is a rental house with a monthly rent of 10,000 yuan. He believes that the "Buddhist" treatment of children's expenses is about 10,000 yuan per month. This couple's choice has sparked more thoughts about early retirement.
Financial planning. Early retirement is inseparable from scientific financial planning. In 1994, William Bangen's "4% principle" became a classic of financial planning. According to this principle, no more than 42% to ensure that your pension will not be depleted even if you live to old age. Such a plan requires calculating a savings target based on the annual cost of living that the individual needs, which is also the security that many early retirees are looking for**.
Feedback from perspectives. Opinions on the Internet about this post-80s couple are different. Some people envy their free life, believing it to be a kind of courage to pursue true happiness. Others feel that they are too confident and need more financial support to lie down in advance. Some netizens even calculated an account in detail through the bill, questioning whether 3 million can support 30 years of retirement. Do you support "lying flat" in advance?In your opinion, how much should you save to really feel secure?
Early retirement and the pursuit of a "lying flat" life are the embodiment of a contemporary lifestyle. This is not to abandon responsibility, but to pursue a freer and happier life as the economic base allows. Financial planning becomes the key to achieving this goal. Have you ever considered the possibility of early retirement?In your opinion, how much money is safe enough?Feel free to leave a comment to share your views and experiences.