Dear Family,
You must be greatly surprised when you get this letter, not from anyone else but from your dearest son, since I have never written a letter for ages in such a traditional way. The purpose of my writing is not so much to express my gratitude for bringing me up, as it is to tell you something about my college life.
It has been more than two years since I started my college life and I have adapted myself to the new environment here, even though at the very beginning, I was not quite used to it. My classmates are pretty friendly and they offer to help me whenever need be, which is really precious for me. My teachers tell me the differences between college life and high school life and give me some necessary advice on how to learn in college. Because of their kind-hearted help, I learn to know the importance of cooperation and communications between each other, especially when in Group work.
In the past several months, I have been busy preparing for TEM 4.Therefore, most of the time, I stayed at school and seldom kept in touch with you; I should have been ashamed of this. But now it is completely finished, and I will never do that again. In my spare time, I usually go to play basketball to keep fit since you always ask me to practice more to keep healthy. What is more, I like to go to the English Corner to practice my spoken English in order to improve my oral English level, which is of importance as English major.
Finally, I would like to specially thank you for providing me the best education and experience. Without your support and understanding, it wouldn't be the same. In regard to the future, I will make every effort to study for my degree and make the dreams I had envisioned come true.
Take good care of yourselves as you have asked me to.
Best regards,
Jay
5,3
随着社会日益进步、经济快速发展,生活节奏必然加快。寻找一份清闲、高工资、有保障的工作,如同痴人说梦。在公司尽职尽责、呕心沥血,稍有疏忽、造成损失,就会招来经历的训斥,甚至卷铺盖走人。在公司忍气吞声、受尽压榨,略有反抗,会被解雇。今天你走,明天成群人赶来。
上班,本来是人为社会做点事、实现自身价值,换取一定报酬,这么简单。可现在,上班顾及这个、照顾那个,累心累人。那些眼高手低的学子,仍然沉睡在象牙塔的美梦中,毕业踏入社会,竟然不知所措。在学校租房,靠父母生活,过着飘浮不定的啃老族生活。如歌年龄,增能缺少花前月下的浪漫?年少身壮,怎能忍耐夜的寂寞?心态急躁、心境扰乱。步入歧途,在所难免。
社会竞争激烈,需要强有力的身心。在宽容中,寻找解脱;在拼搏中,开拓视野。锻炼心智、历练柔性,方能争得一分天地。也许,生活原来就存在无穷变数。活着,就要忍受种种痛苦。上班,是必需的,工作是一个人社会价值的体现,也是生活中的重要部分。然而,上班不是生活的全部。上班需要认真,生活需要装点。
上班这点事,说起来容易,做起来难。累点吧,心里不平衡;苦点吧,心里难受;清闲吧,容易滋生事端,觉得不充实。人就是这样,总是不满自己的'现状。就拿我来说吧,工作稳定、收入可观、工作清闲,不少人羡慕不已;然而我自己觉得工作过于单调、过于安逸。少不了满腹牢***,生于忧患、死于安乐!每天看着自己渐渐发福的体形,一种异样涌上心头,快乐生活瞬间尽失。不是自己不甘平淡,只是觉得活得要充实一些。看到昔日同学,已成家生子。一家人寄居在一间不足十平米的小屋,一张硕大的床占去多半房间,杂物堆满剩余空间,进门仅能容的一人坐在紧靠床边的沙发上。当年意气风发、沉迷网络游戏的同学,现如今远离网络、忙于生计。忙一天,回来要照顾不满一周岁的儿子。看他疲惫容颜,看着儿子喜上眉梢的样子,生活本来就这样。以前跳来跳去,现在不敢跳槽。现在上班不敢迟到、工作不敢怠慢,生怕扣工资、扣奖金。
上班就是这点事。生活就是这么简单。延着生命的轨迹前行。
有一次,妻子趁冬季特价,买了一件3折的衣服。开心地回家后,才想起自己没有买新衣服的预算。马上又跑回店里退了,以退货明志,以展现自己壮士断腕的精神。
去超市前一定会列出采购清单,不在单子上的东西绝对不碰。
很长时间里,夫妻俩共用一部手机。
不使用信用卡。
虽然收入越来越高,但他们都依然保持简单的生活态度,不买名牌包、衣服,在背包客的世界里,他们不必遵循主流的价值观。
4.投资美股ETF指数基金
巴菲特说过:“大部分投资者,包括机构投资者和个人投资者,早晚会发现,最好的投资股票方法是购买管理费很低的指数基金。”
他俩也采取了这样的投资策略,把存下来的'薪水和获得的股利收入都投入了ETF,以年化7%计算,他们在20多岁存下的每一块钱,透过复利,到了30岁能增值2倍,到了50岁就可以增加到4倍。
持续存了10年的钱之后,利息从一开始的几十元,到现在可以支付他们一家人每个月的所有花费,靠的就是复利的力量。而时间会让复利的效应越来越大。
本文图片均来自网络
终于有一天,夫妻俩鼓起了勇气,辞职环球旅行去了,那一年,妻子33岁,先生38岁,他们不需要再为钱而工作了,他们走上了梦想之旅。
一开始,他们从物价便宜的墨西哥、中南美洲和东南亚开始,实验起4%的退休金法则。起初,他们还是担心钱不够用,会坐吃山空,依然过着非常节约的生活,结果3年多下来,每年只花了2-3%的退休金。剩下的钱依然投入了指数基金。
3年后,他们的退休账户居然比退休前更多了,不减反增。于是,他们开始转向欧洲旅行,吃好、住好,还订了商务舱。日子开始苦尽甘来。
他们没有房子,没有工作,却有收入,年纪轻轻就开始了全世界旅游,这样的故事听起来是不是很另类?
有人认为他们的做法太极端、太自虐,也毫无必要。但30多岁就退休,还有钱,本身就是一个极端的目标,没有非常的行为是不可能做到的。用10年的辛苦,换来了后面几十年的自由,不是很值得吗?
虽然书中提到的具体方法,绝大部分人都做不到,我也做不到。但借鉴一下别人的思路,知道还有这样的可能性,或能给我们带来一些思考。
作为工薪层,难道我们只能辛苦工作到60岁,才能去环游世界吗?
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