台灣FIRE運動 GO.
台灣FIRE運動 GO.

台灣 FIRE理財族 shumeng,分享透過可行的 「FIRE 4 % 法則」、「FIRE 111 法則」、「FIRE 3 帳戶理財法」。 以及 shumeng 實踐 FIRE 的心得與體悟,幫助你少走一些彎路,一起提早財務自由 $ 活出你想要的 FIRE 人生。 有任何想法,或是想說的話,請寄到 askshumeng@gmail.com ❤️ 對不起,請原諒我,謝謝你,我愛你 ❤️

退休定義重新改寫.FIRE理財族不用等到65歲才退休!

 


說也妙,打從開始成立 FIRE運動 GO. 網站,這一個月的時間裡.發現台灣開始也有相關的中文著作。

 

這應該是 秘密 的力量當你真心渴望時,全宇宙會把你需要的人、事、物,吸引到你的身邊,真好!感覺自己離 FIRE 越來越近了。

 

其中讓我印象最深刻的一本書 FIRE財務自由 作者 葛蘭.薩巴帝爾 30歲 就達到 FIRE財務自由的目標。

 

哇!好羨慕啊 ~30歲 的我,還覺得人生好難

,不知道未來該何去何從?!

 

 

 

退休定義重新改寫FIRE理財族可以自己決定幾歲退休

 

 原來退休定義是可以跟自己想的不一樣。不受傳統觀念束縛,只有一條退休路,努力工作一輩子,等到 65 歲退休,老了跟政府領勞退金。

 

而,你可以盡早讓自己先達到財務自由,財務自由後,自然人生也自由,可以提早退休,過著自己喜歡的人生,這就是新退休定義FIRE( Financial Independence Retirement Early。)

 

那,問問自己 . . .

打算幾歲,達到財務自由呢?

 

如果你心裡還沒有答案,又或是不知道該怎麼思考、該怎麼做的話?

 

接下來,shumeng 幫你整理出,實踐財務自由三個步驟,讓你透過思考,一步一步規劃出,自己的財務自由計畫。

 

第一步 搞清楚財務自由是什麼?

 

 

財務自由一般的定義,就是 非工資收入(被動收入),不靠上班的收入。

 

像是股利收入、房租收入、版權收入 . . . 。這些被動收入在你每天吃飯、睡覺流口水時,每年自動產生的現金流,足夠支付你每年需要的花費。

 

講的再白話一點,你不用擔心突然沒有工作時,沒有錢可以花。因為你有一筆源源不絕的被動現金流。(你知道嗎?目前因為疫情,全世界超過 3000多萬人,突然沒了工作!)

 

假設,你有一筆 300萬的投資存款,放在 8% 的投資工具上,每年可以自動產生 24萬的現金流,這 24萬足夠付每年需要花費,那你就財務自由了嘍~

 

 

 


第二步 找到自己財務自由數字

 

 

我們再複習一下,財務自由就是 每年非工資收入(被動收入),足夠支付每年需要花費

 

 

所以,知道自己每年需要花費有多少,就可以知道自己財務自由數字啦~ 呵呵,有沒有很簡單 ><”  哈

 

但重點是,你知道自己,每年需要花費有多少嗎?

 

如果,平常的你有記帳習慣,這個問題,肯定可以馬上回答的出來;但,說到要記帳真的好懶喔~ 哪項花費,該放哪個項目都不知道,只要想到記帳,頭就很痛啦!!

 

別擔心~ shumeng 把所有可能需要的花費,全部整理出來,讓你一目了然。

 

你只要照下表,依序輸入每項花費,沒有的花費,可以空著不用填,記帳表自動會幫你算出,每年需要花費有多少。

 

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當你,每次依序輸入需要花費,漸漸的你會知道,自己需要記帳的項目有哪些,慢慢開始建立起,專屬自己的記帳邏輯和方法。

 

另外,有一個好處跟你說,這樣記著記著不知不覺,你也開始有了做預算的概念,慢慢抓到自己需要花費的最低成本。

 

之後,哪天好運有多出來的錢,像是加薪、年終獎金、中樂透 . . . 你會知道怎麼運用和安排錢好。

 

 

最後,輸入每年需要花費,再跟自己確認一下,自己的財務自由數字。

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第三步 打算用什麼非工資收入,達到財務自由

 

關於非工資收入,主要分為三大類:

 

#1 投資收入

簡單來說就是用錢生錢

像是股票股利、債劵利息、借貸利息、借劵利息、生意淨利 . . .

 

#2 資產收入

簡單來說就是用資產生錢

像是房屋租金、相機出租、場地出租、露營車出租、遊艇出租 . . .

 

#3 知識收入

簡單來說就是用知識生錢

像是寫書會有版稅收入,又或是在部落格或是 youtube 上分享知識和有價值的內容,幫助有疑問的人解決問題。

 

 

當越來越多想解決問題的人,可以透過 google、 youtube 的搜尋引擎,找到你的部落格或是 youtube 解決問題。

 

你就可以賺取非工資收入,像是 google 廣告、youtube 廣告、聯盟行銷、業配、製作知識內容授權 . . .

 

 

在這,shumeng 以過來人的經驗,特別提醒你一下,

 

不管你用哪種非工資收入,創造被動現金流,有個很重要、很重要、很重要的要點,因為很重要所以講三次,一定要想辦法,讓建立起的被動現金流,不受景氣和黑天鵝影響

 

現疫情期間,對於被動現金流上上下下,非常有感啊~~

 

 

所以,被動現金流的建置,一定要做好風險管理,盡可能把不可控的風險,降到自己可以承受的範圍內,當景氣循環或是黑天鵝來臨時,才不會害你擔心到晚上睡不著覺!

 

>> 延伸閱讀

被動收入是什麼?其實,被動收入真的,跟你想的不一樣?!

 

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好啦,今天就跟你分享到這,接下來是 F&Q 時間

 

  • Q1. 你的財務自由數字多少?

  • Q2. 思考看看,哪類非工資收入,適合自己呢?

  • Q3. 你打算,怎麼佈局自己的被動現金流,達到財務自由呢?

 

 

如果說,你也想培養自己獨立思考的能力,也許你可以購買 shumeng FIRE 寫作訂閱,由我親自帶領你,一步步透過寫作,好好跟自我溝通,好好探索自己,踏實往你的 FIRE 目標前進 💪💪

 

真羨慕 ~ ~

shumeng 多希望年輕時,有人可以教我,如何獨立思考,如何好好跟自己溝通,探索自我 🙏🙏

 

這樣,我也不用走這麼多冤枉路,摔的自己滿身是傷!😭😭

 

 

👇 點擊報名吧 👇

 

▶️ 延伸閱讀

透過網路自媒體寫作跟自我溝通,一步步探索自我,實踐你的 FIRE 運動

 

 

歡迎在留言區跟我分享,也邀請你加入專屬 臉書私密社團 一起做討論!祝福你提早達到 FIRE財務自由

 

記得,你是你自己生命的主人

 

 

< 本網站資訊是 shumeng 經驗分享,並非投資建議,請獨立思考為自己的錢負責 >


 

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『免費支持』請幫 shumeng 拍手 5 下,有機會得到內容創造的酬勞,分享更多提早達到 FIRE 的方法給你 ❤️

原文連結台灣FIRE運動 GO.

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