規劃30歲退休我是不是想太多了 - 離職
By Charlotte
at 2021-02-13T17:44
at 2021-02-13T17:44
Table of Contents
各位大大晚安~
小弟約兩年前開始規劃要如何提早退休,努力到最近覺得以目前的條件好像可以先離職
試試看:
1. 有價值2000萬的房子且無貸款
2. 一台進口車
3. 現金存款1000多萬
4. 老婆目前年薪200-250萬
5. 不用養雙方爸媽,不用拿錢回家
6. 今年30歲
附帶條件:
連續2.5年股市每季穩定獲利,年報酬大於50%
我看了很多退休標準(普遍是年開銷的25倍存款),目前以我的開銷還沒存到25倍,但是
我老婆還有穩定收入加上股市獲利觀察兩年多績效很不錯才想先離職試試看,有錢也買不
回年輕歲月!如果缺錢頂多再回去工作
想請問各位大大的看法,有什麼小弟漏掉的潛在風險或新看法?
———————————————————
補充:
下面留言很多人問的很仔細,謝謝你們的幫忙我這邊統一回答
1. 錢怎麼來的&詳細投資獲利
先講每年的收入
2015 :9月剛工作不滿一年,收入20萬
2016: 收入120萬
2017: 收入160萬加老婆開始工作收入50萬共210萬
2018:收入170萬老婆收入170萬股票收入20萬共360萬
2019:收入175萬老婆收入220萬股票收入200萬共595萬
2020: 收入180萬老婆收入240萬股票收入400萬基金收入60萬共880萬
(以上全部是稅後)
投資獲利:
這個很難算是因為我們有錢就丟證卷戶,前幾年買房買車結婚燒很多錢,本金從30萬一路
到丟到目前本金350萬,然後總獲利600多萬。年獲利50%只是我隨便喊的實際上不只。
會想要離職是因為我的總年收從我開始工作這五年逐年穩定增長,去年更是來到880萬,
這
樣好像少我那份180萬的薪水也還行XD
2.為何要上來問
確實大部分90%的人無法給我建議,但其他10%的人可以。也有人問我怎賺到這些錢的,我
也很樂意與大家切磋分享
========== 詢問公司相關資訊,請使用 [公司]類別,勿使用 [問題] 類別 ===========
確認過後,此兩行得用 ctrl + y 刪除
--
小弟約兩年前開始規劃要如何提早退休,努力到最近覺得以目前的條件好像可以先離職
試試看:
1. 有價值2000萬的房子且無貸款
2. 一台進口車
3. 現金存款1000多萬
4. 老婆目前年薪200-250萬
5. 不用養雙方爸媽,不用拿錢回家
6. 今年30歲
附帶條件:
連續2.5年股市每季穩定獲利,年報酬大於50%
我看了很多退休標準(普遍是年開銷的25倍存款),目前以我的開銷還沒存到25倍,但是
我老婆還有穩定收入加上股市獲利觀察兩年多績效很不錯才想先離職試試看,有錢也買不
回年輕歲月!如果缺錢頂多再回去工作
想請問各位大大的看法,有什麼小弟漏掉的潛在風險或新看法?
———————————————————
補充:
下面留言很多人問的很仔細,謝謝你們的幫忙我這邊統一回答
1. 錢怎麼來的&詳細投資獲利
先講每年的收入
2015 :9月剛工作不滿一年,收入20萬
2016: 收入120萬
2017: 收入160萬加老婆開始工作收入50萬共210萬
2018:收入170萬老婆收入170萬股票收入20萬共360萬
2019:收入175萬老婆收入220萬股票收入200萬共595萬
2020: 收入180萬老婆收入240萬股票收入400萬基金收入60萬共880萬
(以上全部是稅後)
投資獲利:
這個很難算是因為我們有錢就丟證卷戶,前幾年買房買車結婚燒很多錢,本金從30萬一路
到丟到目前本金350萬,然後總獲利600多萬。年獲利50%只是我隨便喊的實際上不只。
會想要離職是因為我的總年收從我開始工作這五年逐年穩定增長,去年更是來到880萬,
這
樣好像少我那份180萬的薪水也還行XD
2.為何要上來問
確實大部分90%的人無法給我建議,但其他10%的人可以。也有人問我怎賺到這些錢的,我
也很樂意與大家切磋分享
========== 詢問公司相關資訊,請使用 [公司]類別,勿使用 [問題] 類別 ===========
確認過後,此兩行得用 ctrl + y 刪除
--
All Comments
By Gary
at 2021-02-16T12:55
at 2021-02-16T12:55
By Iris
at 2021-02-19T06:40
at 2021-02-19T06:40
By Ivy
at 2021-02-24T04:50
at 2021-02-24T04:50
By Regina
at 2021-02-26T07:10
at 2021-02-26T07:10
By Lydia
at 2021-03-01T05:09
at 2021-03-01T05:09
By Hardy
at 2021-03-02T19:08
at 2021-03-02T19:08
By Victoria
at 2021-03-02T23:08
at 2021-03-02T23:08
By Joe
at 2021-03-06T06:37
at 2021-03-06T06:37
By Emma
at 2021-03-06T19:31
at 2021-03-06T19:31
By Elizabeth
at 2021-03-07T02:07
at 2021-03-07T02:07
By Tom
at 2021-03-10T01:42
at 2021-03-10T01:42
By Tom
at 2021-03-12T04:06
at 2021-03-12T04:06
By Michael
at 2021-03-12T23:31
at 2021-03-12T23:31
By Kumar
at 2021-03-17T22:13
at 2021-03-17T22:13
By Hedda
at 2021-03-20T09:50
at 2021-03-20T09:50
By Elma
at 2021-03-23T01:43
at 2021-03-23T01:43
By Zanna
at 2021-03-23T14:08
at 2021-03-23T14:08
By Emma
at 2021-03-26T18:30
at 2021-03-26T18:30
By Noah
at 2021-03-30T23:41
at 2021-03-30T23:41
By Noah
at 2021-03-31T15:31
at 2021-03-31T15:31
By Caitlin
at 2021-04-02T03:36
at 2021-04-02T03:36
By Zenobia
at 2021-04-06T22:20
at 2021-04-06T22:20
By Megan
at 2021-04-11T10:58
at 2021-04-11T10:58
By Ida
at 2021-04-12T07:02
at 2021-04-12T07:02
By Skylar DavisLinda
at 2021-04-16T07:44
at 2021-04-16T07:44
By Hedy
at 2021-04-17T12:29
at 2021-04-17T12:29
By Dorothy
at 2021-04-21T20:32
at 2021-04-21T20:32
By Hazel
at 2021-04-25T19:39
at 2021-04-25T19:39
By Jacob
at 2021-04-29T23:17
at 2021-04-29T23:17
By Todd Johnson
at 2021-05-03T19:20
at 2021-05-03T19:20
By Caitlin
at 2021-05-08T07:02
at 2021-05-08T07:02
By Jacob
at 2021-05-10T20:24
at 2021-05-10T20:24
By Kristin
at 2021-05-12T14:48
at 2021-05-12T14:48
By William
at 2021-05-14T20:13
at 2021-05-14T20:13
By Mary
at 2021-05-19T12:48
at 2021-05-19T12:48
By Mason
at 2021-05-21T20:43
at 2021-05-21T20:43
By Ingrid
at 2021-05-25T21:14
at 2021-05-25T21:14
By Genevieve
at 2021-05-30T14:07
at 2021-05-30T14:07
By Jake
at 2021-06-02T13:15
at 2021-06-02T13:15
By Todd Johnson
at 2021-06-06T18:18
at 2021-06-06T18:18
By Poppy
at 2021-06-09T20:25
at 2021-06-09T20:25
By Vanessa
at 2021-06-14T03:34
at 2021-06-14T03:34
By James
at 2021-06-18T21:35
at 2021-06-18T21:35
By Edith
at 2021-06-23T00:08
at 2021-06-23T00:08
By Edward Lewis
at 2021-06-24T13:00
at 2021-06-24T13:00
By Donna
at 2021-06-25T13:41
at 2021-06-25T13:41
By Freda
at 2021-06-27T01:59
at 2021-06-27T01:59
By Edith
at 2021-07-01T06:23
at 2021-07-01T06:23
By Ethan
at 2021-07-04T00:38
at 2021-07-04T00:38
By Liam
at 2021-07-07T19:24
at 2021-07-07T19:24
By Mason
at 2021-07-09T23:43
at 2021-07-09T23:43
By Daph Bay
at 2021-07-11T22:14
at 2021-07-11T22:14
By Catherine
at 2021-07-16T09:27
at 2021-07-16T09:27
By Dinah
at 2021-07-17T08:17
at 2021-07-17T08:17
By Caroline
at 2021-07-18T22:36
at 2021-07-18T22:36
By Elvira
at 2021-07-21T16:51
at 2021-07-21T16:51
By Jake
at 2021-07-21T18:20
at 2021-07-21T18:20
By Caroline
at 2021-07-24T02:45
at 2021-07-24T02:45
By Xanthe
at 2021-07-26T05:16
at 2021-07-26T05:16
By Ivy
at 2021-07-30T08:05
at 2021-07-30T08:05
By Heather
at 2021-07-30T16:52
at 2021-07-30T16:52
By Rae
at 2021-07-31T09:42
at 2021-07-31T09:42
By Genevieve
at 2021-07-31T22:58
at 2021-07-31T22:58
By Edwina
at 2021-08-03T14:08
at 2021-08-03T14:08
By Daph Bay
at 2021-08-05T03:58
at 2021-08-05T03:58
By Kristin
at 2021-08-06T08:30
at 2021-08-06T08:30
By William
at 2021-08-06T10:07
at 2021-08-06T10:07
By Frederic
at 2021-08-09T09:51
at 2021-08-09T09:51
By Annie
at 2021-08-13T16:23
at 2021-08-13T16:23
By Dorothy
at 2021-08-13T18:05
at 2021-08-13T18:05
By Faithe
at 2021-08-18T08:58
at 2021-08-18T08:58
By Mary
at 2021-08-21T09:11
at 2021-08-21T09:11
By Emma
at 2021-08-24T15:58
at 2021-08-24T15:58
By Daniel
at 2021-08-25T09:19
at 2021-08-25T09:19
By Charlie
at 2021-08-29T21:02
at 2021-08-29T21:02
By John
at 2021-08-30T03:50
at 2021-08-30T03:50
By Tom
at 2021-09-01T09:24
at 2021-09-01T09:24
By Queena
at 2021-09-04T15:12
at 2021-09-04T15:12
By Linda
at 2021-09-09T06:17
at 2021-09-09T06:17
By Edwina
at 2021-09-12T05:58
at 2021-09-12T05:58
By Lauren
at 2021-09-13T02:51
at 2021-09-13T02:51
By Ursula
at 2021-09-14T23:36
at 2021-09-14T23:36
By Iris
at 2021-09-16T18:04
at 2021-09-16T18:04
By Zora
at 2021-09-17T07:07
at 2021-09-17T07:07
By Elma
at 2021-09-21T23:26
at 2021-09-21T23:26
By Valerie
at 2021-09-25T07:55
at 2021-09-25T07:55
By Megan
at 2021-09-27T17:55
at 2021-09-27T17:55
By Bethany
at 2021-09-29T22:34
at 2021-09-29T22:34
By Franklin
at 2021-10-04T18:48
at 2021-10-04T18:48
By Ethan
at 2021-10-06T18:52
at 2021-10-06T18:52
By Madame
at 2021-10-08T19:34
at 2021-10-08T19:34
By Gilbert
at 2021-10-12T22:29
at 2021-10-12T22:29
By Zenobia
at 2021-10-17T04:55
at 2021-10-17T04:55
By Madame
at 2021-10-18T07:02
at 2021-10-18T07:02
By Rosalind
at 2021-10-19T21:16
at 2021-10-19T21:16
By Olivia
at 2021-10-21T10:32
at 2021-10-21T10:32
By Eden
at 2021-10-23T01:15
at 2021-10-23T01:15
By Hamiltion
at 2021-10-23T15:35
at 2021-10-23T15:35
By Rosalind
at 2021-10-27T18:40
at 2021-10-27T18:40
By Ivy
at 2021-10-31T08:15
at 2021-10-31T08:15
By Jack
at 2021-11-04T16:39
at 2021-11-04T16:39
By Edward Lewis
at 2021-11-09T10:22
at 2021-11-09T10:22
By Audriana
at 2021-11-13T07:11
at 2021-11-13T07:11
By Olga
at 2021-11-15T22:23
at 2021-11-15T22:23
By Ida
at 2021-11-17T03:31
at 2021-11-17T03:31
By Frederica
at 2021-11-18T07:05
at 2021-11-18T07:05
By John
at 2021-11-21T12:15
at 2021-11-21T12:15
By Audriana
at 2021-11-24T22:56
at 2021-11-24T22:56
By Audriana
at 2021-11-26T06:45
at 2021-11-26T06:45
By Lydia
at 2021-12-01T00:49
at 2021-12-01T00:49
By Edith
at 2021-12-02T07:43
at 2021-12-02T07:43
By Ophelia
at 2021-12-02T14:52
at 2021-12-02T14:52
By Wallis
at 2021-12-06T22:25
at 2021-12-06T22:25
By Wallis
at 2021-12-10T16:37
at 2021-12-10T16:37
By Megan
at 2021-12-11T11:11
at 2021-12-11T11:11
By Damian
at 2021-12-15T04:17
at 2021-12-15T04:17
By Cara
at 2021-12-17T18:40
at 2021-12-17T18:40
By Oliver
at 2021-12-19T07:49
at 2021-12-19T07:49
By Lucy
at 2021-12-22T14:14
at 2021-12-22T14:14
By Olivia
at 2021-12-25T19:54
at 2021-12-25T19:54
By Dinah
at 2021-12-29T00:40
at 2021-12-29T00:40
By Candice
at 2021-12-31T18:25
at 2021-12-31T18:25
By Damian
at 2022-01-04T12:15
at 2022-01-04T12:15
By Rosalind
at 2022-01-06T19:26
at 2022-01-06T19:26
By Regina
at 2022-01-10T20:24
at 2022-01-10T20:24
By Bennie
at 2022-01-12T22:37
at 2022-01-12T22:37
By Jake
at 2022-01-13T01:50
at 2022-01-13T01:50
By Hedwig
at 2022-01-14T12:56
at 2022-01-14T12:56
By Xanthe
at 2022-01-18T05:57
at 2022-01-18T05:57
By Daniel
at 2022-01-19T11:38
at 2022-01-19T11:38
By Skylar Davis
at 2022-01-21T00:48
at 2022-01-21T00:48
By Elma
at 2022-01-25T17:30
at 2022-01-25T17:30
By George
at 2022-01-27T03:25
at 2022-01-27T03:25
By Victoria
at 2022-01-29T04:20
at 2022-01-29T04:20
By Mason
at 2022-02-01T16:08
at 2022-02-01T16:08
By Ina
at 2022-02-05T17:13
at 2022-02-05T17:13
By Victoria
at 2022-02-07T22:55
at 2022-02-07T22:55
By Frederica
at 2022-02-08T01:20
at 2022-02-08T01:20
By Kelly
at 2022-02-08T07:31
at 2022-02-08T07:31
By Isla
at 2022-02-10T14:08
at 2022-02-10T14:08
By Hardy
at 2022-02-13T15:39
at 2022-02-13T15:39
By Frederic
at 2022-02-18T02:34
at 2022-02-18T02:34
By Freda
at 2022-02-21T19:09
at 2022-02-21T19:09
By Thomas
at 2022-02-24T17:53
at 2022-02-24T17:53
By Hedda
at 2022-03-01T05:49
at 2022-03-01T05:49
By Rebecca
at 2022-03-02T04:42
at 2022-03-02T04:42
By Queena
at 2022-03-05T14:24
at 2022-03-05T14:24
By Hedwig
at 2022-03-06T15:44
at 2022-03-06T15:44
By Carolina Franco
at 2022-03-11T08:21
at 2022-03-11T08:21
By Dorothy
at 2022-03-15T05:12
at 2022-03-15T05:12
By Zenobia
at 2022-03-18T06:38
at 2022-03-18T06:38
By Bethany
at 2022-03-21T17:15
at 2022-03-21T17:15
By Caitlin
at 2022-03-24T05:42
at 2022-03-24T05:42
By Xanthe
at 2022-03-27T20:13
at 2022-03-27T20:13
By Leila
at 2022-04-01T08:01
at 2022-04-01T08:01
By Olga
at 2022-04-05T03:36
at 2022-04-05T03:36
By Steve
at 2022-04-06T03:54
at 2022-04-06T03:54
By Suhail Hany
at 2022-04-09T21:09
at 2022-04-09T21:09
By Tristan Cohan
at 2022-04-13T05:50
at 2022-04-13T05:50
By Madame
at 2022-04-16T04:36
at 2022-04-16T04:36
By Connor
at 2022-04-19T13:35
at 2022-04-19T13:35
By Daph Bay
at 2022-04-20T04:53
at 2022-04-20T04:53
By Isabella
at 2022-04-20T21:25
at 2022-04-20T21:25
By Audriana
at 2022-04-25T18:27
at 2022-04-25T18:27
By Aaliyah
at 2022-04-28T01:30
at 2022-04-28T01:30
By Bethany
at 2022-04-30T10:27
at 2022-04-30T10:27
By Quintina
at 2022-05-01T09:46
at 2022-05-01T09:46
By Rae
at 2022-05-03T17:53
at 2022-05-03T17:53
By Jacob
at 2022-05-05T04:13
at 2022-05-05T04:13
By Ursula
at 2022-05-07T06:24
at 2022-05-07T06:24
By Enid
at 2022-05-11T18:30
at 2022-05-11T18:30
By Enid
at 2022-05-13T17:33
at 2022-05-13T17:33
By Ivy
at 2022-05-16T01:18
at 2022-05-16T01:18
By Daniel
at 2022-05-16T02:47
at 2022-05-16T02:47
By Suhail Hany
at 2022-05-20T02:44
at 2022-05-20T02:44
By Enid
at 2022-05-20T08:39
at 2022-05-20T08:39
By Belly
at 2022-05-24T19:34
at 2022-05-24T19:34
By Daniel
at 2022-05-29T05:33
at 2022-05-29T05:33
By Gary
at 2022-05-30T12:27
at 2022-05-30T12:27
By Jake
at 2022-06-02T18:46
at 2022-06-02T18:46
By Dora
at 2022-06-06T20:30
at 2022-06-06T20:30
By Selena
at 2022-06-10T08:56
at 2022-06-10T08:56
By Isla
at 2022-06-14T14:28
at 2022-06-14T14:28
By Kyle
at 2022-06-16T01:18
at 2022-06-16T01:18
By Hamiltion
at 2022-06-20T00:00
at 2022-06-20T00:00
By Franklin
at 2022-06-21T07:51
at 2022-06-21T07:51
By Oliver
at 2022-06-22T19:18
at 2022-06-22T19:18
By Dinah
at 2022-06-27T18:54
at 2022-06-27T18:54
By Steve
at 2022-06-30T07:25
at 2022-06-30T07:25
By Edith
at 2022-07-02T00:02
at 2022-07-02T00:02
By Jacky
at 2022-07-06T22:21
at 2022-07-06T22:21
By Vanessa
at 2022-07-10T08:59
at 2022-07-10T08:59
By Thomas
at 2022-07-12T08:55
at 2022-07-12T08:55
By Isla
at 2022-07-13T15:44
at 2022-07-13T15:44
By Enid
at 2022-07-18T13:37
at 2022-07-18T13:37
By Suhail Hany
at 2022-07-18T17:52
at 2022-07-18T17:52
By Daniel
at 2022-07-22T00:57
at 2022-07-22T00:57
By Valerie
at 2022-07-26T21:48
at 2022-07-26T21:48
By Elvira
at 2022-07-31T06:01
at 2022-07-31T06:01
By William
at 2022-07-31T08:30
at 2022-07-31T08:30
By Hedy
at 2022-07-31T20:28
at 2022-07-31T20:28
By Suhail Hany
at 2022-08-04T11:58
at 2022-08-04T11:58
By Doris
at 2022-08-08T18:30
at 2022-08-08T18:30
By Jacob
at 2022-08-10T08:25
at 2022-08-10T08:25
By Linda
at 2022-08-14T16:52
at 2022-08-14T16:52
By Edward Lewis
at 2022-08-18T03:55
at 2022-08-18T03:55
Related Posts
請問大家過年會開始找工作嗎?
By Daph Bay
at 2021-02-13T16:23
at 2021-02-13T16:23
請問大家過年會開始找工作嗎?
By Tracy
at 2021-02-13T10:38
at 2021-02-13T10:38
過年加班薪水計算方式
By Emily
at 2021-02-12T08:53
at 2021-02-12T08:53
提離職的理由
By Gary
at 2021-02-12T02:03
at 2021-02-12T02:03
離職後老闆說要匯錢給妳
By Ursula
at 2021-02-11T23:34
at 2021-02-11T23:34