{"id":1852,"date":"2025-06-04T18:04:52","date_gmt":"2025-06-04T10:04:52","guid":{"rendered":"https:\/\/henrysfinancialnotes.com\/?p=1852"},"modified":"2025-06-04T22:44:39","modified_gmt":"2025-06-04T14:44:39","slug":"the-review-of-financial-independent-retire-earlier-by-grant-sabatier","status":"publish","type":"post","link":"https:\/\/henrysfinancialnotes.com\/en\/the-review-of-financial-independent-retire-earlier-by-grant-sabatier\/","title":{"rendered":"FIRE\u8ca1\u52d9\u81ea\u7531 \u2014 \u8b80\u5f8c\u5fc3\u5f97\u5206\u4eab"},"content":{"rendered":"<p class=\"\">\u5047\u5982\u6709\u4e00\u500b90\u6b72\u7684\u8001\u4eba\u8981\u7528100\u842c\u7f8e\u5143\u8207\u4f60\u4ea4\u63db\u8eab\u9ad4\uff0c\u4f60\u9858\u610f\u55ce\uff1f \u9019\u5927\u6982\u662f\u66f8\u4e2d\u60f3\u544a\u8a34\u6211\u5011\u6700\u91cd\u8981\u7684\u4e00\u4ef6\u4e8b \u2014 \u6642\u9593\u6bd4\u91d1\u9322\u66f4\u91cd\u8981\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u8ca1\u52d9\u81ea\u7531\uff0c\u63d0\u65e9\u9000\u4f11(Financial Independent Retire Earlier) <\/h2>\n\n\n\n<p class=\"\"><strong>FIRE<\/strong>\u662f2020\u5e74\u958b\u59cb\u6d41\u884c\u7684\u4e00\u500b\u8a5e\u5f59\uff0c\u610f\u601d\u662f\u4e0d\u7528\u518d\u70ba\u4e86\u9322\u5de5\u4f5c\uff0c\u800c\u662f\u80fd\u4ee5\u8ca1\u52d9\u7368\u7acb\u70ba\u5f8c\u76fe\uff0c\u505a\u81ea\u5df1\u559c\u6b61\u7684\u4e8b\u6216\u5de5\u4f5c\uff0c\u5373\u4f7f\u5831\u916c\u4e0d\u591a\u4e5f\u6c92\u95dc\u4fc2\uff0c\u56e0\u70ba\u8cfa\u9322\u5df2\u4e0d\u518d\u662f\u91cd\u9ede\u3002 \u4f46\uff0c\u70ba\u4e86\u63db\u53d6\u81ea\u5df1\u7684\u6642\u9593\uff0c\u6216\u8005\u662f\u8aaa\uff0c\u4e0d\u9700\u8981\u518d\u70ba\u4e86\u91d1\u9322\u800c\u4ed8\u51fa\u6642\u9593\uff0c\u6700\u7d42\u9084\u662f\u5f97\u9760\u9322\u4f86\u5b8c\u6210\u3002\u9019\u9700\u8981\u53ca\u65e9\u8cfa\u5230\u8db3\u5920\u7684\u9000\u4f11\u91d1\u4e26\u540c\u6642\u9032\u884c\u6295\u8cc7\u3002 \u90a3\u5728\u9000\u4f11\u4e4b\u524d\uff0c\u4f60\u7684\u4e00\u5c0f\u6642\u53ef\u4ee5\u8cfa\u591a\u5c11\u9322\u5462\uff1f <\/p>\n\n\n\n<p class=\"\">\u300c xx\u7403\u661f\u6bcf\u79d2\u9418\u53ef\u4ee5\u8cfa157\u7f8e\u5143 \u300d\u3002\u6211\u5011\u5e38\u5e38\u5728\u7db2\u8def\u4e0a\u5404\u5927\u65b0\u805e\u4e0a\u770b\u5230\u9019\u7a2e\u8aaa\u6cd5\uff0c\u800c\u9019\u901a\u5e38\u662f\u76f4\u63a5\u7528\u5e74\u85aa\/\u4e0a\u5834\u6642\u9593\u5f97\u5230\u7684\u6578\u5b57\uff0c\u4f46\u5be6\u969b\u4e0a\u7403\u54e1\u70ba\u4e86\u85aa\u6c34\u6240\u4ed8\u51fa\u7684\u6642\u9593\u662f\u300c \u4e0a\u5834\u6642\u9593 + \u7df4\u7fd2\u6642\u9593 + \u901a\u52e4\u6642\u9593 \u300d\uff0c\u6240\u4ee5\u6bcf\u79d2\u9418\u7684\u6536\u5165\u516c\u5f0f\u61c9\u8a72\u6539\u6210\u5e74\u85aa\/(\u4e0a\u5834\u6642\u9593 + \u7df4\u7fd2\u6642\u9593 + \u901a\u52e4\u6642\u9593 )\u3002\u9019\u540c\u6642\u4e5f\u662f\u6211\u5011\u5728\u8a08\u7b97\u81ea\u5df1\u6bcf\u5c0f\u6642\u5be6\u969b\u85aa\u8cc7\u6642\u5e38\u5ffd\u7565\u6389\u7684\u6642\u9593\u6210\u672c \u2014 \u6211\u5011\u7684\u6bcf\u5c0f\u6642\u5be6\u969b\u85aa\u8cc7\u5176\u5be6\u6bd4\u60f3\u50cf\u4e2d\u4f86\u5f97\u4f4e\u3002 \u6709\u4e86\u9019\u500b\u6982\u5ff5\u5f8c\uff0c\u5c0d\u6211\u5011\u5728\u6311\u9078\u4e00\u500b\u5de5\u4f5c\u503c\u4e0d\u503c\u5f97\u63a5\u6642\u5c31\u80fd\u505a\u66f4\u7cbe\u78ba\u7684\u6bd4\u8f03 \u2014 \u96d6\u7136\u9019\u4efd\u5de5\u4f5c\u85aa\u6c34\u9ad8\uff0c\u4f46\u5b83\u662f\u5426\u5e38\u5e38\u8981\u52a0\u73ed\uff1f\u51fa\u5dee\u7684\u983b\u7387\u662f\u4e0d\u662f\u5f88\u9ad8\uff1f\u901a\u52e4\u6642\u9593\u591a\u4e45\uff1f\u662f\u5426\u9700\u8981\u82b1\u5f88\u591a\u6642\u9593\u53e6\u5916\u6e96\u5099\u7c21\u5831\uff1f\u5c07\u4e0a\u8ff0\u6642\u9593\u8003\u616e\u9032\u53bb\u5f8c\uff0c\u6211\u5011\u6703\u767c\u73fe\uff0c\u5176\u5be6\u6709\u4e9b\u770b\u4f3c\u9ad8\u85aa\u7684\u5de5\u4f5c\uff0c\u6bcf\u5c0f\u6642\u5be6\u969b\u5de5\u8cc7\u537b\u6c92\u60f3\u50cf\u4e2d\u7684\u9ad8\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u5ef6\u9072\u4eab\u53d7\u53ef\u4ee5\u8b93\u6bcf\u584a\u9322\u767c\u63ee\u66f4\u5927\u7684\u50f9\u503c<\/h2>\n\n\n\n<p class=\"\">\u5728\u652f\u51fa\u65b9\u9762\uff0c\u4f5c\u8005\u63d0\u5230\uff0c\u8cb7\u4e00\u6a23\u6771\u897f\u7684\u6210\u672c\u4e26\u4e0d\u55ae\u7d14\u53ea\u662f\u6a19\u7c64\u4e0a\u7684\u50f9\u683c\u3002\u4ee5\u8cb7\u4e00\u53f080\u842c\u584a\u7684\u6c7d\u8eca\u70ba\u4f8b\uff0c\u8cfc\u8cb7\u7684\u6210\u672c\u5176\u5be6\u662f\uff1a 1.\u8cb7\u8eca\u768480\u842c\u5143 2.\u5c0780\u842c\u5143\u62ff\u53bb\u6295\u8cc7\u7684\u6a5f\u6703\u6210\u672c \u2014 \u82e5\u5c0780\u842c \u5143\u62ff\u53bb\u6295\u8cc7\uff0c\u57287%\u7684\u5e74\u6210\u9577\u7387\u4e0b\uff0c10\u5e74\u5f8c\u73fe \u5728\u768480\u842c\u5c07\u6709160\u842c\u7684\u50f9\u503c\uff0c20\u5e74\u5f8c\u5247\u662f320 \u842c\uff01 \u90a3\u770b\u5b8c\u4e0a\u8ff0\u7684\u6578\u5b57\uff0c\u662f\u4e0d\u662f\u544a\u8a34\u6211\u5011\u4e7e\u8106\u90fd\u4e0d\u8981\u8cb7\u6771\u897f\u4e86\u5462\uff1f\u4e26\u4e0d\u662f\u7684\uff0c\u5be6\u969b\u4e0a\u53ea\u9700\u8981\u601d\u8003\u5169\u4ef6\u4e8b\uff1a <\/p>\n\n\n\n<p class=\"\">1.\u8cb7\u9019\u500b\u7269\u54c1\u662f\u5426\u53ef\u4ee5\u5e36\u7d66\u4f60\u5feb\u6a02\uff1f \u6216\u66f4\u7cbe\u78ba\u7684\u8aaa\u6cd5 \u2014 \u4f60\u662f\u5426\u9858\u610f\u4ee5\u5de5\u4f5c\u4e00\u6574\u5e74 \u7684\u6642\u9593\u63db\u53d6\u4e00\u8f1b\u8eca\uff1f\u96d6\u7136\u5728\u8cb7\u6771\u897f\u6642\u662f\u7528\u9322\u4ea4\u6613\uff0c\u4f46\u5be6\u969b\u4e0a\u6211\u5011\u4ed8\u51fa\u7684\u5176\u5be6\u662f\u7269\u54c1\u50f9\u683c\/ \u6bcf\u5c0f\u6642\u5be6\u969b\u5de5\u8cc7\u6240\u5f97\u51fa\u7684\u6642\u9593\u3002 <\/p>\n\n\n\n<p class=\"\">2.\u53ef\u4e0d\u53ef\u4ee5\u665a\u4e00\u9ede\u8cb7\uff1f \u5e02\u5834\u7684\u9577\u671f\u5e74\u5831\u916c\u7387\u662f7%\uff0c\u9019\u88e1\u518d\u6b21\u5f37\u8abf \u2014 7%\u662f\u5df2\u6263\u9664\u901a\u8ca8\u81a8\u8139\u7684\u5831\u916c\u7387\u3002<\/p>\n\n\n\n<p class=\"\">\u56e0\u6b64\uff0c\u4e00\u4ef6 1000\u5143\u7684\u8863\u670d\uff0c\u99ac\u4e0a\u8cb7\u7684\u8a71\uff0c\u7406\u6240\u7576\u7136\u662f\u8981 \u4ed8\u51fa1000\u5143\uff0c\u4f46\u5982\u679c\u5ef6\u9072\u4e00\u5e74\u8cfc\u8cb7\uff0c\u73fe\u5728\u53ea\u9700\u6e96\u5099935(1000\/(1+7%))\u5143\uff0c\u5c31\u80fd\u5728\u4e00\u5e74\u5f8c \u8cb7\u5230\u50f9\u683c1000\u5143\u7684\u76f8\u540c\u8863\u670d\uff0c\u985e\u4f3c\u6211\u5011\u5e38\u8aaa \u7684\u300c\u665a\u8cb7\u4eab\u6298\u6263\u300d\u7684\u6982\u5ff5\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u6295\u8cc7\u7684\u8907\u5229\u6548\u679c<\/h2>\n\n\n\n<p class=\"\">\u611b\u56e0\u65af\u5766\u66fe\u8aaa\u904e\uff0c\u8907\u5229\u662f\u4e16\u754c\u7b2c\u516b\u5927\u5947\u8e5f\u3002 \u8907\u5229\uff0c\u4e5f\u662f\u4f5c\u8005\u5728\u66f8\u4e2d\u63d0\u5230\u6700\u591a\u6b21\u7684\u8a5e\u3002 \u7f8e\u570b\u80a1\u5e02\u9577\u671f\u7684\u5e74\u5831\u916c\u7387\u7d04\u70ba7%(\u5df2\u6263\u9664\u901a\u8ca8\u81a8\u8139)\uff0c\u5047\u8a2d\u6295\u5165100\u842c\u5143\uff0c\u5728\u6bcf\u5e747%\u7684\u8907\u5229\u4e0b\uff0c\u572810\u5e74\u5f8c\u5c07\u8b8a\u6210200\u842c<a href=\"https:\/\/henrysfinancialnotes.com\/en\/72-rule-and-compound-growth-rate\/\">(72\u6cd5\u5247)<\/a>\uff0c20\u5e74\u5f8c\u6210\u9577\u81f3\u63a5\u8fd1400\u842c\u3002 \u60f3\u50cf\u4e00\u4e0b\u6efe\u96ea\u7403\uff0c\u662f\u4e0d\u662f\u4e00\u958b\u59cb\u7684\u96ea\u8d8a\u591a\uff0c\u6efe\u52d5\u7684\u5761\u9053\u8d8a\u9577\uff0c\u6700\u5f8c\u5f97\u5230\u7684\u96ea\u7403\u5c31\u6703\u8d8a\u5927\uff1f \u800c\u8907\u5229\u4e2d\u7684\u672c\u91d1\u5c31\u662f\u4e00\u958b\u59cb\u7684\u96ea\uff0c\u5761\u9053\u5247\u662f\u4f60\u8b93\u5b83\u8907\u5229\u7684\u6642\u9593\u3002\u56e0\u6b64\uff0c\u5b58\u4e0b\u8d8a\u591a\u7684\u9322\uff0c\u4e26\u4e14\u8d8a\u65e9\u958b\u59cb\u9032\u884c\u6295\u8cc7\uff0c\u6240\u7372\u5f97\u7684\u8907\u5229\u6548\u679c\u4e5f\u6703\u8d8a\u5f37\u5927\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u8981\u5b58\u591a\u5c11\u9322\u624d\u80fd\u5920\u9000\u4f11\u5462\uff1f <\/h2>\n\n\n\n<p class=\"\">\u66f8\u4e2d\u7d66\u51fa\u7684\u6578\u5b57\u662f\u81f3\u5c11\u70ba\u672a\u4f86\u9810\u671f\u5e74\u652f\u51fa\u768425\u500d \u2014 \u5047\u5982\u4f6060\u6b72\u9000\u4f11\uff0c\u4e14\u63a5\u4e0b\u4f86\u53ea\u628a\u9322\u5b58\u5728\u9280\u884c\u88e1\uff0c\u9019\u7b46\u9000\u4f11\u91d1\u5c07\u80fd\u5920\u652f\u61c9\u4f60\u523085\u6b72\uff0c\u4f46\u662f\u5982\u679c\u4f60\u60f3\u66f4\u65e9\u9000\u4f11\uff0c\u53c8\u6216\u8005\u662f\u300c\u4e0d\u5c0f\u5fc3\u300d\u6d3b\u8d85\u904e90\u6b72\u5462\uff1f \u65b9\u6cd5\u5c31\u662f\uff0c\u7e7c\u7e8c\u8b93\u9000\u4f11\u91d1\u7559\u5728\u5e02\u5834\u88e1\uff0c\u85c9\u7531\u4e0d\u540c\u6bd4\u4f8b\u7684\u80a1\u7968\u8207\u50b5\u5238\u642d\u914d\uff0c\u8cfa\u53d6\u5831\u916c\u4e26\u6301\u7e8c\u8907\u5229\uff0c\u4e26\u6bcf\u5e74\u5f9e\u6295\u8cc7\u7d44\u5408\u4e2d\u63d0\u53d6\u81f3\u591a4%(\u6574\u7b46\u9000\u4f11\u91d1\u70ba100%\/25\u5e74=4%\/\u5e74)\u3002\u9019\u5728\u6bcf\u5e74\u80a1\u5e027%\u7684\u6210\u9577\u7387\u4e0b\uff0c\u6574\u500b\u6295\u8cc7\u7d44\u5408\u80fd\u7e7c\u7e8c\u4ee5\u767e\u5206\u4e4b\u4e09\u7684\u901f\u5ea6\u6210\u9577(\u524d\u63d0\u662f100%\u7684\u8cc7\u91d1\u90fd\u662f\u6295\u8cc7\u5728\u80a1\u5e02\uff0c\u82e5\u6709\u642d\u914d\u50b5\u5238\u5247\u5831\u916c\u7387\u5c07\u4f4e\u65bc7%\uff0c\u4f46\u6295\u8cc7\u7d44\u5408\u6ce2\u52d5\u6027\u6703\u4e0b\u964d)\u3002\u7576\u7136\uff0c\u4f60\u4e5f\u53ef\u4ee5\u5f9e\u7d44\u5408\u4e2d\u63d0\u53d6\u6bcf\u5e74\u81f3\u591a7%\u7684\u73fe\u91d1(\u82e5\u8cc7\u91d1\u5168\u6295\u8cc7\u80a1\u5e02)\u51fa\u4f86\u4f7f\u7528\uff0c\u4f46\u8003\u91cf\u77ed\u671f\u5e02\u5834\u7684\u6ce2\u52d5\u8f03\u5927\uff0c\u6700\u597d\u9084\u662f\u76e1\u91cf\u964d\u4f4e\u6295\u8cc7\u7d44\u5408\u7684\u63d0\u9818\u7387\u3002 <\/p>\n\n\n\n<h2 class=\"wp-block-heading has-large-font-size\">\u91cd\u9ede\u6574\u7406\uff1a<\/h2>\n\n\n\n<p class=\"\">1. \u6642\u9593\u6bd4\u91d1\u9322\u66f4\u91cd\u8981\u3002 <\/p>\n\n\n\n<p class=\"\">2. \u6bcf\u5c0f\u6642\u5be6\u969b\u5de5\u8cc7\u7684\u8a08\u7b97\u662f \u2014 \u7e3d\u85aa\u8cc7\/(\u5de5\u4f5c\u6642\u6578 + \u901a\u52e4\u6642\u9593 + \u5b8c\u6210\u5de5\u4f5c\u9700 \u984d\u5916\u4ed8\u51fa\u7684\u6642\u9593) <\/p>\n\n\n\n<p class=\"\">3. \u8cfc\u8cb7\u7269\u54c1\u7684\u771f\u5be6\u6210\u672c\u9664\u4e86\u6a19\u7c64\u4e0a\u7684\u50f9\u683c\u5916\uff0c \u9084\u9808\u52a0\u4e0a\u5c07\u9019\u7b46\u9322\u62ff\u53bb\u6295\u8cc7\u7684\u6a5f\u6703\u6210\u672c\u3002 <\/p>\n\n\n\n<p class=\"\">4. \u5f71\u97ff\u8907\u5229\u6548\u679c\u7684\u5169\u500b\u91cd\u8981\u56e0\u7d20 \u2014 \u672c\u91d1\u591a\u5be1 &amp; \u8907\u5229\u6642\u9593 5. \u9000\u4f11\u91d1\u81f3\u5c11\u5b58\u5230\u672a\u4f86\u9810\u671f\u5e74\u652f\u51fa\u768425\u500d\uff0c\u4e26 \u5c07\u9019\u7b46\u9322\u6295\u5165\u5e02\u5834\uff0c\u6bcf\u5e74\u63d0\u53d6\u81f3\u591a4%\u4f5c\u70ba\u751f \u6d3b\u8cbb(\u767e\u5206\u4e4b\u56db\u6cd5\u5247\uff0cFour Percent Rule)\u3002<\/p>","protected":false},"excerpt":{"rendered":"<p>\u5047\u5982\u6709\u4e00\u500b90\u6b72\u7684\u8001\u4eba\u8981\u7528100\u842c\u7f8e\u5143\u8207\u4f60\u4ea4\u63db\u8eab\u9ad4\uff0c\u4f60\u9858\u610f\u55ce\uff1f<\/p>","protected":false},"author":1,"featured_media":1855,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"nf_dc_page":"","om_disable_all_campaigns":false,"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":""},"categories":[107],"tags":[108,111,110,47,112,109],"class_list":["post-1852","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-107","tag-fire","tag-four-percent-rule","tag-110","tag-47","tag-112","tag-109"],"blocksy_meta":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/henrysfinancialnotes.com\/wp-content\/uploads\/2025\/06\/FIRE.jpeg?fit=%2C&ssl=1","jetpack_sharing_enabled":true,"_links":{"self":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1852","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/comments?post=1852"}],"version-history":[{"count":7,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1852\/revisions"}],"predecessor-version":[{"id":1864,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/posts\/1852\/revisions\/1864"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media\/1855"}],"wp:attachment":[{"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/media?parent=1852"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/categories?post=1852"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/henrysfinancialnotes.com\/en\/wp-json\/wp\/v2\/tags?post=1852"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}