莫讓媒體控制了你 - 「省錢」可以令你33歲退休?

退休人生／她出生貧困 卻靠這些關鍵33歲退休、環遊世界
https://www.setn.com/News.aspx?NewsID=505521

話說老闆谷內有位谷友發左條LINK黎, 話有位台灣女性於33歲時退休, 而且話自己出生貧窮, 並沒家底, 可以咁早退休最關鍵原因就是「省錢！」兩個字。二當家一睇篇報導真係無名火起, 又係呢D 扮心靈雞湯既心靈毒藥, 我只希望年輕人唔好信呢D咁既垃圾報導, 信左就害你一世架啦。

先講呢位女士, 佢話自己同普通人一樣, 一開始出黎做野月入3萬台幣, 退休果陣收入已經增加三倍多, 兩公婆一開始可以慳到50%既收入, 到退休前仲可以慳到90%, 慳到既錢投入 ETF, 最後累積了3千多萬台幣退休金/750萬港紙。



How This Couple Retired In Their 30s To Travel The World

聽落好似好正, 先不論750萬講退休是否合乎現實, 各人有各人既需求 (香港退休應該要幾千萬加自住樓至叫勉強合格), 但睇番英文版訪問, 其實有幾點係中文版到係完全無講到既

1. 文中完全無提到老公既收入
根據英文版, 佢老公入 MICROSOFT 果陣係 USD85,000一年 (即港紙60幾萬), 佢離開公司果陣年薪已經拎緊百萬港紙。而佢老婆30000台幣月薪起跳, 我當你走果陣係10萬幣月薪, 120萬台幣一年, 為起都係30萬港紙。

Jeremy: When I started out of college, I was making about $40,000 a year, and that went up to more than $50,000 by the time I left. At Microsoft, I started at $85,000 a year and by the end of my 12 years there, I was at around $140,000.

2. 輕輕帶過投資, 剩係話自己買 ETF。但睇番英文, 又好似係另一個故事黎WO。

When the financial crisis hit, how did that affect your plan? 

Jeremy: On paper, we lost $400,000, but I was mostly upset that I didn’t have more cash to buy more stock. I looked at it as a fire sale on stock, and I wanted to buy more at a discount. I had a little cash and used all of that to buy more stock. I even wondered, should I take out a loan to buy more stock? Two years later, we were far more wealthy than we were at the beginning of it. As long as you don’t panic and sell at the bottom and get out of the market completely, the overall market shouldn’t affect you much at all. We’re maybe even stronger for it. Maybe the psychological effect was that I worked a few years longer, and that’s why I said, hey, there’s this really interesting project at work. I partially wanted to ride the market crash out and save a little bit more.

3. 完全無提過財商既重要性

Do you have any income now?

Last year, the blog made $2,000. It’s a hobby that has the server fees paid for by the ad income. But all of our income comes from dividends and interest. We just live off them. I do a pretty active tax management of those assets, so in 2013 and 2014, we paid $0 tax while also converting about $20,000 a year to our Roth IRA to make that money tax-free forever.

對比起兩篇文章, 中文版係 SELL DREAMS, 而英文版係 MORE PRACTICAL。因為對couple 其中一方為台灣人就拎黎放大黎講, 其實係咪唔夠全面呢?

我以前都信「省錢」就可以成功, 但現實話俾我聽係唔 work 既, 早一點認清殘酷既現實, 有時反而可以早點準備好。