Text / Photography by Yan Liqian / No. 26 Shadow Lane
Editor’s note: Financial expert Guo Lifang is a mother of four children, and she has heavy parenting responsibilities, but she plans to retire from the workplace at the age of 55, and start to live a life of wealth and freedom with 3 months of work and 3 months of long stay overseas. She said that as long as you find the right investment tools and persevere, you may never run out of money!
It’s hard to imagine that Guo Lifang, who is a financial expert and just turned 50+ this year, was a salaryman in the first two years of her career, and had to live on a tight budget at the end of the month. How does she learn investment and financial management from scratch, and make a plan to save 20 million at the age of 55 and retire from the workplace?
After graduating from the Department of Mass Communication, Guo Lifang, who liked to write since childhood, first worked as an assistant to a city councilor, and later worked as an editor in a women’s fashion magazine. Every day, she came into contact with LV or Gucci and other boutiques, and often received PR products from beauty care manufacturers. In the gorgeous and seductive consumer world, she has witnessed the sinking of many of her peers, and she has been affected unknowingly. When I pass by the East District after get off work, I buy accessories and clothes I like along the way. Every time in the last 10 days of the month, there is less than 1,000 yuan left in the account. When I have no money to eat, I eat the snacks served at the press conference at noon, and at night I cook a piece of dry ramen, beat an egg, and add a small bougainvillea.
Once, a colleague first borrowed 2,000 yuan from her. After attending the press conference and returning to the company, the other party said that he had bought a pair of very cheap trousers.
“I thought to myself, you still bought something without paying back the money you owed me? Then I asked her, how cheap is it? She said, “It’s more than 7,000 yuan after 30% off, it’s from Dolce&Gabbana!” Guo Lifang said, waiting After this colleague resigned, everyone chatted and found out that she had borrowed money from everyone, and she resigned after one round of borrowing.“I thought to myself, my God! My colleagues are all credit card debtors. I can’t continue like this. I’m really afraid that I will become like this.”
So, she started to learn how to keep accounts, and went to the bank to apply for lump-sum payment, forcing herself to save 3,000 yuan a month, and also regularly purchase funds in fixed amounts. “Fortunately, when I entered the investment market, the market was taking off. Every month I received positive returns on the statements, and I felt very happy.” Slowly, she found that she was interested in saving money.
Determined to leave the world full of temptations, she was introduced by a friend to enter a financial magazine and learn financial knowledge from scratch. “On the first day of work, I held an editorial meeting. I found that my colleagues all spoke Chinese, but I couldn’t understand it. I was so anxious that I couldn’t even eat lunch.” Guo Lifang said with a smile. . Fortunately, through interviews, she has gradually accumulated financial knowledge, and her research scope has also expanded to funds and real estate. After a few years, I can finally use it in my own investment planning, and even share knowledge to benefit more people.
70% of the funds are invested in the capital market and 30% in insurance to lead a quality retirement life
Everyone’s ideal retirement status is different, but,Not struggling with money should be the goal of most people.
Guo Lifang said,My retirement goal is to earn2,000Ten thousand yuan, and relying on a rate of return of 6%The financial management tools continue to make money. In this way, you can earn 120 a yearmillion, with an average of 10 per monthThousands of dollars to spend.If the target is lowered, saving 10 million yuan will be a condition for retirement. In conversion, there are about 500,000 yuan a year and about 40,000 yuan a month to spend.She said that as long as you find the right tools and invest money slowly, the money may still be spent.
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2023/07/08
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