宅男的退休生活閒聊 (2023上) - 職涯
By Jacky
at 2023-02-24T16:06
at 2023-02-24T16:06
Table of Contents
--
04/11 最後補上新聞連結
--
宅男退休滿3年的更新
今年沒有準時滿3周年的2/21發
是因為剛好昨晚有個採訪
採訪提的問題可能會是大家想知道的問題
就可以順便整理一下寫下來
-----------------------------------------------
https://imgur.com/qKnVVWc
一如往常的沒變化
少了被合併的日盛金
日盛金最後的損益印象是250~280%之間
繼續定期定額台泥
這幾天很多人問玉山金股利剩3分之1賣不賣
答案一如往常的不會
因為本來規劃就是買來放著
心態不變 操作就不變
(這答案好好用 直接拿上次的複製貼上)
但認真說
存股不用因為1年股利低就賣
我常拿學生套房的房東舉例
你會因為這學期租的學生比較少就賣房嗎?
資產分配分散風險的用途就在這邊
每年都會有些股票的股利高 股利高
除非遇到系統性風險 大環境一起跌
否則每年平均領的不會差太多
不然今年賣這支 明年賣那支
這就失去了無腦存股存到忘記的初衷?
-----------------------------------------------
https://imgur.com/d5GRThl
1~12月開銷 總共235431
平均每月19619元
水費有一期忘了記帳 平均每月76元
電費平均每月337
瓦斯平均每月268
雖然大多餐費是外食付現沒記帳
少數餐費是信用卡或電子支付(如披薩 貴族牛排 手搖飲等)
已經含在信用卡費中
現金部份我沒特別計算
但每個月領1萬都還會剩幾千
所以1個月現金花6000元差不多
加上現金開銷
平均1個月開銷約2萬5~6左右
說這些數字只是讓大家參考收入與支出比例
不是要大家過跟我一樣的生活
我常跟人說
我的物欲一直都差不多沒變
是多數人的物欲變的太高
為何大學生時期1個月零用錢1萬就夠用
出社會後忽然變成要5萬10萬才夠花
即使扣掉房貸小孩 算進通膨 我覺得也沒這麼誇張
退一步說
如果你的基本開銷就是5萬 沒辦法減少
那就存超過5萬甚至10萬的被動收入再來考慮退休
且如果你有能力支付5萬基本開銷的生活
相對的薪資也不低
存錢速度相對於我可能差不多甚至更快
這方面就因人而異 自行規劃
生活方面
多數時間還是窩在家
看看動漫 美劇 逛逛網拍 買些東西
對於男生來說 家裡有電腦跟床 就很夠用了
偶爾會車泊露營體驗一下
沒有特別想去的國家
對於出國沒什麼興趣
這幾天如果有想到甚麼可以寫的會再補上
--
04/11 最後補上新聞連結
--
宅男退休滿3年的更新
今年沒有準時滿3周年的2/21發
是因為剛好昨晚有個採訪
採訪提的問題可能會是大家想知道的問題
就可以順便整理一下寫下來
-----------------------------------------------
https://imgur.com/qKnVVWc
一如往常的沒變化
少了被合併的日盛金
日盛金最後的損益印象是250~280%之間
繼續定期定額台泥
這幾天很多人問玉山金股利剩3分之1賣不賣
答案一如往常的不會
因為本來規劃就是買來放著
心態不變 操作就不變
(這答案好好用 直接拿上次的複製貼上)
但認真說
存股不用因為1年股利低就賣
我常拿學生套房的房東舉例
你會因為這學期租的學生比較少就賣房嗎?
資產分配分散風險的用途就在這邊
每年都會有些股票的股利高 股利高
除非遇到系統性風險 大環境一起跌
否則每年平均領的不會差太多
不然今年賣這支 明年賣那支
這就失去了無腦存股存到忘記的初衷?
-----------------------------------------------
https://imgur.com/d5GRThl
1~12月開銷 總共235431
平均每月19619元
水費有一期忘了記帳 平均每月76元
電費平均每月337
瓦斯平均每月268
雖然大多餐費是外食付現沒記帳
少數餐費是信用卡或電子支付(如披薩 貴族牛排 手搖飲等)
已經含在信用卡費中
現金部份我沒特別計算
但每個月領1萬都還會剩幾千
所以1個月現金花6000元差不多
加上現金開銷
平均1個月開銷約2萬5~6左右
說這些數字只是讓大家參考收入與支出比例
不是要大家過跟我一樣的生活
我常跟人說
我的物欲一直都差不多沒變
是多數人的物欲變的太高
為何大學生時期1個月零用錢1萬就夠用
出社會後忽然變成要5萬10萬才夠花
即使扣掉房貸小孩 算進通膨 我覺得也沒這麼誇張
退一步說
如果你的基本開銷就是5萬 沒辦法減少
那就存超過5萬甚至10萬的被動收入再來考慮退休
且如果你有能力支付5萬基本開銷的生活
相對的薪資也不低
存錢速度相對於我可能差不多甚至更快
這方面就因人而異 自行規劃
生活方面
多數時間還是窩在家
看看動漫 美劇 逛逛網拍 買些東西
對於男生來說 家裡有電腦跟床 就很夠用了
偶爾會車泊露營體驗一下
沒有特別想去的國家
對於出國沒什麼興趣
這幾天如果有想到甚麼可以寫的會再補上
--
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