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  • Ah... retirement.


  • I could spend every day just like this, relaxing, playing golf, spending time with family.


  • But, like most of you, I can't retire right now or really anytime soon.


  • Even if we can't retire right now, there are more than a few people who made their early retirement dreams come true, no lottery ticket or well-timed crypto investment required.


  • Those people are part of a community called FIRE.

    這些人們來自一個叫做 FIRE 的群體。

  • That's Financial Independence Retire Early.


  • FIRE devotees combine high savings rates, minimalist living and investing with low cost index funds to reach retirement in relatively short periods of time.

    FIRE 的成員們透過高儲蓄率、簡約生活以及投資低額指數基金,在相對短的期間內達成退休。

  • I talked to a guy named Bryce Leung, who along with his wife, Christie, retired in their early 30s and never looked back.

    我訪問了一個叫做 Bryce Leung 的人,他和他的妻子 Christie 在 30 歲出頭時就退休了,一點也不後悔。

  • We were given the same first prescriptive script that our parents gave us for how to live.


  • Get a job, buy a house, go into debt, go get a mortgage, spend the next 25 years paying off and then maybe, when you're 65, then you can retire with a pension.

    找工作、買房、背貸款、做抵押貸款,接下來 25 年都花在繳清貸款,然後到 65 歲的時候拿退休金養老。

  • The old rule book that they played with simply doesn't apply for (to) us anymore.


  • How long was your journey once you began?


  • Nine years after we started working we retired.


  • My wife was 31, I was 32 at the time, and we said goodbye to our jobs forever and we've been traveling ever since.

    我老婆那時候 31 歲,我 32 歲,我們就此告別工作,開始到處旅行。

  • It's actually based, not on your age, but how much money you have saved up versus how much money you need to spend to maintain your lifestyle.


  • The rule that we use in the FIRE community is called the 4% Rule.

    我們 FIRE 群裡用的規則叫做「4% 守則」。

  • How much you have saved up versus how much that you need to spend.


  • If it's 4% of it, then you can retire safely and never need to work again.

    如果每年花費金額是總儲蓄金額的 4%,那你就可以安心退休、再也不用工作了。

  • Why is that number 4%?

    為什麼是 4%?

  • In an academic study called The Trinity Study, in which they back-tested all of the stock market history going back hundreds of years,


  • 4% is the amount that it's safe to withdrawal in that you won't run out of money over a traditional retirement period.

    發現總量 4% 正是抽身好時機,能夠在資金充足的情況下度過退休生活。

  • How did you change your lifestyles so that you would live more frugally?


  • It was not so much a sacrifice of lifestyle that got us here.


  • It was avoiding the landmines that so many people step on.

    重點在於避開許多人都會踩到的陷阱 (地雷)。

  • The commonly accepted personal finance thing of, you have to cut back until it's painful, no going out, no eating out and no drinking coffees, and this kind of stuff.


  • We didn't do any of that kind of stuff because the biggest line item in a person's life is housing, transportation and food.


  • If you get those three right then the rest of it almost doesn't even matter.


  • But even if you can't retire at 31 like Bryce did, there might still be some alterations to your savings or spending that you can make to retire at a more traditional age.

    不過即使你無法像 Bryce 一樣 31 歲就退休,或許還是有一些儲蓄或花費上的改變是你可以做的,幫助你在一般年齡退休。

  • Bloomberg reporter, Suzanne Woolley, is going to tell us how to plan for that more traditional retirement and the annoyances that we must overcome to get there.

    彭博社記者 Suzanne Woolley 要來告訴我們如何為較為常見的退休生活做計劃,以及期間會需要克服的困難。

  • Should people be scared about retiring?


  • Isn't everyone scared about retiring?


  • It's this so big a prospect.


  • It's also uncertain.


  • Yeah.


  • And I think people get sort of terrified by the idea of, what is my number?


  • Do I need a million? Do I need two million?


  • Who knows?


  • And I think that can put people into paralysis.


  • A lot of people don't even know how much they spend each month.


  • Just knowing what your budget is gives you a sense of what you need to live on.


  • What mistakes are people making as they plan for retirement?


  • One mistake people might make is not planning for contingencies.


  • You have a point when you want to retire.


  • Like some people say, oh I want to retire when I'm 62 or 65.

    像有些人說,我想 62 或 65 歲時退休。

  • Well great.


  • But, life might not go your way.


  • You might be laid off, there might be some sort of ageism.


  • You might get sick and not be able to work.


  • So it's, when you're retirement planning (planning retirement), you need to think through, how would I live if I was laid off five years earlier than I anticipated?


  • And also, you need to have some sort of emergency fund, maybe buckets.


  • One is for short term and it's just cash, like a year's living expenses, if you can do that.


  • The middle one is maybe in bonds and short term investments.


  • And the other part can be aggressive.


  • The other bucket is more aggressive, really long term, like ten or twenty years.

    算得遠一點,長期開銷的,比如 10 年、20 年。

  • So if you want to get your FIRE dream started, go ahead and make it happen.

    所以你要是想達成你的 FIRE 夢想,儘管開始吧!

  • As for me, I'm going to do this for a few more hours, then get back to work.


  • Turn the camera off.


Ah... retirement.


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