When young people nowadays talk about retirement, they may think, "Oh, I can finally have a good rest, I don't have to go to work every day, I can sleep as long as I want, and I can do whatever I want, how cool it is!" But is this really the case?
Recently, there has been a lot of discussion on the Internet about the early retirement of a 36-year-old woman. She has 3 million savings in her hand, and she can earn nearly 10,000 yuan every month, so she decided to enjoy retirement life early. As soon as this thing came out, everyone was very curious, with a certain amount of savings, can we really retire with peace of mind?
This lady's conditions are really good, the house and car are bought in full, there is no loan pressure, and she can make a lot of money every month by relying on bank management. Her life is also quite simple, she doesn't pursue anything luxurious, and her family is very good, her parents are in good health, and her children have grown up, so this kind of life is really enviable.
But retirement isn't that simple. While a little money can make your life more secure, there are many other factors to consider in retirement. As everyone discusses on the Internet, there are many things that need to be considered in addition to money.
Retirement benefits have to be passive income, the kind of money that can be earned without having to work. This lady's bank income is even so. But some people may think that doing their own small business at home or opening an online store at home is also called retirement. It's not the same, it doesn't count as having to work.
In fact, retirement depends on your desire to spend. Just like some people, they don't have high material requirements and live a very simple life, and the deposit of 3 million may be enough with a few thousand interest per month. But for some people, spending money is like running water, how can this money be enough. Therefore, before retirement, you should think about your spending habits and see if this savings can support your future life.
Then there is the age. Retired at the age of 36, there are still more than 20 years to the official retirement age, and in these 20 years, 3 million will be able to hold on. But if someone wants to retire at the age of 20, then the problem is even greater, how will the living expenses for the next 40 years come from.
There is also the issue of family burdens. This lady has someone in her family who is still working, which is equivalent to an extra guarantee. But if you're the only one at home, it's stressful.
Finally, you have to consider the risks of medical treatment and accidents. People are old, sick, accidents, these are all possible. You have to have a little deposit, a little insurance, and your heart is steady.
As some netizens mentioned, retirement is not just about money. Retirement should be a phase of doing what you love, rather than stopping working altogether. Some netizens shared their experience that they chose a "semi-retired" lifestyle after retirement, doing something they like, and at the same time getting a certain income.
Retiring early doesn't mean lying down completely, but doing what you really love. Such a retirement life can not only bring us financial security, but also give us spiritual satisfaction and happiness.
So is there enough money for early retirement? Everyone's situation is different, and you have to look at your actual situation. Some people may feel that 3 million is enough, and some people may feel that it is not enough.
But anyway, retirement is about living a better life, not about hardship, don't you think?