💰 Saving 1 million by 30 to dare to quit my job? I have been deceived by financial freedom for 3 years, and now I have saved 1 million but have no freedom, still working!
Brothers, today I want to say something offensive: achieving financial freedom and retiring early might be the biggest PUA of our time.
Let's do the math:
Assuming you save 1 million by age 30, with an annualized return of 4%, you would have 40,000 in passive income each year. In first-tier cities, what can that do? Rent + food + health insurance, living like a monk with 3,000 a month. You say you can go to Dali? The rent in Dali has risen to 5,000, brother.
😤 A harsher truth:
I practiced "extreme minimal savings" for 3 years, cutting off all socializing, traveling, and hobbies. My account balance did increase, but my depression diagnosis also increased. At a class reunion last week, I found that my roommate from back then, who dared to spend money to invest in himself, now has an annual salary twice mine.
💡 My new perspective:
Saving money is defense, spending money is offense.
- From ages 20-30, every 10,000 spent on skill enhancement could yield an ROI of 500%
- Spending on health and fitness saves medical expenses + extends career lifespan, worth over 500,000+
- Investing in high-quality social connections, the information gap from a benefactor could change your trajectory.
Brothers, today I want to say something offensive: achieving financial freedom and retiring early might be the biggest PUA of our time.
Let's do the math:
Assuming you save 1 million by age 30, with an annualized return of 4%, you would have 40,000 in passive income each year. In first-tier cities, what can that do? Rent + food + health insurance, living like a monk with 3,000 a month. You say you can go to Dali? The rent in Dali has risen to 5,000, brother.
😤 A harsher truth:
I practiced "extreme minimal savings" for 3 years, cutting off all socializing, traveling, and hobbies. My account balance did increase, but my depression diagnosis also increased. At a class reunion last week, I found that my roommate from back then, who dared to spend money to invest in himself, now has an annual salary twice mine.
💡 My new perspective:
Saving money is defense, spending money is offense.
- From ages 20-30, every 10,000 spent on skill enhancement could yield an ROI of 500%
- Spending on health and fitness saves medical expenses + extends career lifespan, worth over 500,000+
- Investing in high-quality social connections, the information gap from a benefactor could change your trajectory.