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In the FIRE (Financial Independence, Retire Early) community, the 4% rule - which states that you can retire when you have saved enough to cover 25 years of living expenses - is widely known. After conducting some experiments, Nick Maggiulli pointed out that the 4% living expenses can be relaxed to 5.5%:
- If a portion of your expenses is non-essential, you can spend that portion in the following year when the stock market is performing well. Conversely, in a following year of bad stock market, you need to cut back on these expenses.
- This approach requires you to make trade-offs between spending money and saving money.
- From another perspective, if you are willing to cut the expense during your retirement, you can actually save enough to retire in less time, without having to work until you have saved 25 years of living expenses.
- Overall, this strategy requires you to have a clearer understanding of your expenses and be willing to make flexible adjustments.
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在 FIRE (financial independence, and retire early) 届，4%的定律 -- 即当你存够了25年的生活开销，即可退休 -- 几乎是人人皆知的道理。 Nick Maggiulli 跑了一些实验之后指出，4%的生活开销可以放宽到5.5%：
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