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In today's Buzzword Mix, our buzzword is F.I.R.E.
不是 “火” 这个词, 而是F.I.R.E, abbreviation, it refers to financial independence, retire early, 财富自由, 早早退休.
Sounds exciting, doesn’t it？Who wouldn't want financial independence at an early age so that we can just retire.
这几年大家的日子都过得挺紧巴, 但你再往前倒几年, 经济形势比较好的时候, 其实身边还是有很多人在讨论财务自由的, 比如说知乎上就有很多帖子问, 在什么北上广深要实现财务自由需要多少钱？
And usually people would give an astronomical number, but actually this F.I.R.E in English might be slightly different from your understanding of财富自由.
So let's dive right into it.
The F.I.R.E movement is a lifestyle movement with the goal of gaining financial independence and retiring early. 它其实是有关于生活方式的一种风潮或者运动.
The model became particularly popular among millennials. In the 2010s, gaining traction through online communities, via Information shared in blogs, podcast, and online discussion forums.
在10年左右是最火的时候, 差不多也是那个时候国内有很多关于财富自由的讨论, 而最热衷于讨论他们的就是millennials千禧一代, 我原来说过, 基本相当于咱们的80 90后。
The main ideas behind the F.I.R.E movement originate from the 1992 bestselling book, Your Money or Your Life, as well as the 2010 book Early Retirement Extreme.
These works provide the basic template of combining a lifestyle of simple living with income from investments to achieve financial independence.
财富自由运动, 它倡导的就是通过相对简单的生活方式以及各种投资性的收入, 也就是非工作的收入来实现财富自由。
In particular, the book Early Retirement Extreme describes the relationship between savings rate and time to retirement, which allows individuals to quickly project their retirement date, given an assumed level of income and expenses.
2010年这本书里还详细的帮你计算了你的收入、开支以及你退休时点之间的关系. 也就是说只要你用它的公式, 就可以通过现在的收入和开支算出你几岁能退休。
And this movement kind of also led to the increasing popularity of side hustling. Because this is also seen as a path to accelerate financial independence.
这个财富自由的运动也带火了, 我们之前提到过的比如说side hustling副业这样的风潮.
因为大家会觉得如果有side hustle就能更快更早地实现financial independence.
In essence, the F.I.R.E movement is about deciding when you want to stop working, often earlier than traditional retirement ages, then saving up to live your ideal lifestyle when you get there.
In China, when we think about financial independence, we think it's a life of luxury.
在国内一般人提到财富自由, 很多人都会觉得说你一定要特别有钱, 要资产过亿.
But actually the original F.I.R.E movement in English speaking world, it recommends three main lifestyles you can aim for.