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
--
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