财务自由提早退休 FIRE | 30岁退休需要多少钱?- 从 $0 开始| Retire by 30 Years Old |(2年博主特别篇)|  婷婷谈钱 I'm Tingting

财务自由提早退休 FIRE | 30岁退休需要多少钱?- 从 $0 开始| Retire by 30 Years Old |(2年博主特别篇)| 婷婷谈钱 I'm Tingting

7 影片觀看·2023年9月15日  #财务自由 #FIRE

今天的视频会和大家聊一下什么是财富自由, 提早退休 (FIRE);以及在各个不同的年龄阶段提早退休需要有多少钱?

财富自由, 提早退休 (FIRE) 可以细分为以下5种:
FIRE Types: Financial Independence, Retire Early

1. Lean Fire: below average American/Candian of the country
2. Barista Fire (or Semi FIRE): Semi-retired with Part-Time work (if you want to quit your job, you can then you can take on some enjoyable work you like)
3. Coast Fire: You saved enough money and are able to grow to a certain amount in the future could make you completely financially independent off without any further work or further saving on your end. Let your investment grow and at some time in the future, you will have enough money to retire off.
4. Regular Fire: Same lifestyle as what you currently have with no sacrifice (NO NEED TO WORK)-live normal regular life without needing to work again
5. Fat Fire (or Rich FIRE):
can afford greater flexibility, freedom, and even protection from unexpected events in early retirement. With a Fat FIRE, you can do things others can't afford to do.

*******免费网站/免费服务********:
1. 免费查询信用度/帮你积累高分信用度:Borrowell
https://api.fintelconnect.com/t/l/5fd8ea0b8613cb001db19302

2. ⭐️Click the link https://temu.to/m/u87ljgl6pas to get 💰CA$100 coupon bundle or ⭐️ Search apq98845 on the Temu App to get 💰50% off discount !!

3) 加拿大最大返利网站: (免费注册,无任何费用,可在各大商家购物同时拿到返利 e.g. Best Buy, Walmart, Canadian Tire-基本所有的大商家有可以拿到返利)。

**用下面的链接开户并在任何一家商家购物$30以上,可或得$30现金开户奖励。
https://www.rakuten.ca/r/iamtingting

*******高利息银行/活期账户,利息按天算********:
1. EQ 银行***(现有$150开户奖励)
活期账户日利率 1.65% (日结);
定存:一年4.35%, 2年4.6%, 5年4.85%

开户链接:
http://click.linksynergy.com/fs-bin/click?id=sj1Degn*H/M&offerid=1115263&type=3&subid=0

2A). Neo Money 活期账户:-无任何费用,可以付账单,邮件转账
活期支票账户日利率 1.8% (利息按天算)-目前加拿大活期利率最高;
https://api.fintelconnect.com/t/l/6191788c49375d001dece550

2B)Neo 信用卡 (平均返现率 5%):
https://api.fintelconnect.com/t/l/619179f2e4b4e6001e43e99d

2C)Neo 押金信用卡 (平均返现率 5%-适合没有信用度或信用度不好的人群;可用来积累信用度):
Neo Secured Card:
https://api.fintelconnect.com/t/l/62a78480f841b3001b560ebb

3) Simplii Financial (无月费支票账户,可以在商店刷卡,刷卡无手续费。取现金可以在任何一家CIBC ATM自动取款机取款,取款无任何手续费)
---现在开户有$400 开户奖励:Get $50 bonus No Fee Chequing Account, High Interest Savings Account, Personal Line of Credit, and Cash Back Visa* Card plus another $350 when making direct deposit of at least $100 a month for 3 straight months

申请链接:
https://mbsy.co/3TppSg

申请Simplii房屋贷款推荐码:
0008979173

4. RBC 亚洲里程积点卡:Receive up to 40,000 Asia Miles
https://api.fintelconnect.com/t/l/62cde2fb5a07d0001bb22245

5. Mogo Loan (这个贷款快切容易,但利息高,需要的朋友请谨慎考虑):
https://api.fintelconnect.com/t/l/62cde4bc83badc001bbb88e8

*******保险和遗嘱********

1. Policy Me-提供定期型人寿保险保单,价格一般会比其他保险公司 如:e.g. Sunlife, Manulife 便宜10%-20%; Policy Me 的保单由加拿大声誉最好的保险公司之一: Canada Premier Life Insurance Company提供。特点: 线上15分钟完成,大多数申请人会立即被审批通过,不用等几周的审批时间。 大多数申请人不需要体检。

https://api.fintelconnect.com/t/l/62c1a1f2d8d0b3001bb35f2b

2. Policy Advisor 提供多种类型保险, 包括:定期型人寿保险,储蓄型人寿保险 (“终身寿险”),孩子的分红型保险,重大疾病保险,残疾保险,房屋保险-在加拿大25家最大的保险公司合作,帮你拿到最‘划算’的保单 (目前仅限:Ontario, Alberta & Manitoba)。
(Partner with 25+ Canada's largest insurance companies-Offers Term Life insurance, Whole Life Insurance, Mortgage Insurance, Childen's Permanent life insurance, Critical Illness Insurance, and Disability Insurance)

https://api.fintelconnect.com/t/l/62cdead85a07d0001bb255aa

3. Epilogue Wills (专业遗嘱律师提供网上律师遗嘱服务,价钱比线下律师会优惠很多; 用下面的链接开户,并使用优惠码:IMTINGTING20 - 可获得$20优惠.)
https://api.fintelconnect.com/t/l/5fff80fe7e26b7001d7a99c9

*******房产投资相关推荐连接 (免费服务)********:
^^^贷款机构 Online Mortgage Brokers (免费服务;网上填写贷款申请网上审批,快捷方便,无任何费用)^^^
1. Homewise :一家新型的,网上即可完成全部房屋贷款程序的加拿大本地房贷企业。和30多家银行/贷款机构合作可以拿到当前所有银行机构中符合你条件的最低的率-服务于除魁北克外的所有加拿大省市(目前没有美国服务)。
https://api.fintelconnect.com/t/l/5fff52628284ff001db5f35d

2. Nesto:An exclusive mortgage solution offering new purchase, renewal, and refinance mortgages:
https://api.fintelconnect.com/t/l/62cde27a097bba001c45e67d

*******加拿大券商-炒股交易平台的推荐链接: 可以用来购买美股/加股/ETF)********

加拿大券商:
1. Questrade: (点此链接开户可获$50开户奖励,开户奖励需入金$1000并完成股票交易)
注: 如果是同时开了多个不同种类的账户, 如Personal/Margin, TFSA, RRSP, 只有第一个点击开户的账户类型可以拿到开户奖励。

https://www.questrade.com/campaigns/qbaffl50t102?refid=5f15e6664e1bb

2. Wealthsimple Trade: (0手续费; 点此链接开户入金150并交易$100可获$25现金开户奖励;买卖加币结算的股票,ETF无任何手续费。如果购买美股的话建议用上面第一个链接的QUESTRADE-购买任何ETF都免佣金 如标普500 VOO)
-Canada's first $0 commission stock trading app – Get $25 and commission-free trades when you open a Wealthsimple Trade account and fund at least $150

https://wealthsimple.sjv.io/15LZRB

3. Wealthsimple Invest (点此链接开户入金$500可获得$25开户奖励):
Get $25 bonus when you open and fund your first Wealthsimple Invest account with at least a $500 initial deposit.

https://wealthsimple.sjv.io/rn3ZdD

注:Wealthsimple Trade 和 Wealthsimple Invest 的区别是Wealthsimple Trade是自己购买股票交易, 而Wealthsimple Invest 是Wealthsimple 平台帮你管理你的投资。

4. Wealthsimple Crypto:
Get $25 and commission-free trades when you open and fund your Crypto account with at least $150. Sign-up today to take advantage of this offer!

wealthsimple.sjv.io/2rqEmA

#财务自由#FIRE 财富自由,#财务自由 提早退休