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cover of episode Barista FIRE at 36 with ONLY $500K by Trading “Stuff” for Substance

Barista FIRE at 36 with ONLY $500K by Trading “Stuff” for Substance

2025/4/1
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Julie Rose
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Julie Rose: 我在36岁时实现了财务独立，并选择了一种独特的‘咖啡师FIRE’生活方式。这意味着我拥有足够的积蓄，可以减少工作时间，专注于自己热爱的事情——环球旅行。我通过兼职工作，例如为旅行社提供旅行规划服务，来补充我的收入，并维持我的旅行生活。我的生活成本相对较低，这使得我的财务自由更加容易实现。我并不追求高额的净资产，而是更注重生活质量和时间自由。 我的财务独立之路并非一帆风顺。我曾经在消费主义的陷阱中迷失，但多次被裁员的经历让我意识到工作的不稳定性，并促使我开始学习投资理财知识。我通过阅读书籍、博客等方式学习，并逐渐掌握了投资理财的技巧。在学习的过程中，我发现投资理财的成功会让人上瘾，这让我更有动力去增加收入和投资。 为了尽早实现财务自由，我积极减少开支，并将副业收入全部用于投资。我尝试过多种投资方式，包括指数基金和个股，并不断调整自己的投资策略。我充分利用了Roth IRA和经纪账户等多种投资工具，并通过出售房产等方式来获取资金。 在实现财务自由后，我选择了一种游牧的生活方式，在世界各地旅行，并通过兼职工作来补充收入。我的年支出大约在3.5万到4万美元之间，远低于在美国的同等生活水平的支出。我的生活成本较低，但生活质量并没有下降。我注重理性消费，但并不吝啬享受生活。 在医疗保障方面，我采取了结合美国医疗保险、旅行医疗保险和当地就医的方式。我的月医疗支出仅为40美元左右。 总而言之，我的财务独立之路是通过学习、努力和理性规划实现的。我不追求高额的净资产，而是更注重享受生活，追求时间自由和生活质量。

Deep Dive

Chapters
Julie Rose shares her journey from a journalism career to achieving financial independence. Despite a seemingly successful start, she faced financial insecurity due to layoffs and consumerist tendencies. She realized her financial education was lacking and decided to change her approach.
  • Early career challenges in journalism despite a good start.
  • Multiple layoffs highlighting job insecurity.
  • Realization of insufficient financial knowledge.
  • Impact of consumerism on financial well-being.

Shownotes Transcript

Julie Rose “semi-retired” at just 36 years old with only $500K, trading her corporate job for sunrise safaris in Africa, beach walks in Bali, and mid-day hikes in Mexico. 

With “Barista FIRE,” you can retire with a lower FIRE number, still work (minimally) doing what you love, and have almost complete time freedom over your life. Why have FIRE when you can “semi-retire” decades earlier? Plus, your retirement nest egg will be growing in the background, all while you do what you want, when you want, with who you want. Sounds like a dream life, right? Well, you’re not far from it already!

After barely scraping by (even with a good job), Julie knew something needed to change, but she wasn’t ready for it. It wasn’t until she got laid off multiple times that she realized it was time to put her financial future in her own hands. This led her down the FIRE movement) rabbit hole, getting almost addicted to saving) and investing, and finding herself in a position to quit her job and do what she really loves: travel and get PAID to plan trips for others. 

Now, she’s Barista FIRE (FIRE with the help of a side hustle)), living nomadically for a fraction of the cost of a basic life in the United States! 

In This Episode We Cover

“Barista FIRE” and the faster way to semi-retire early with a lower FIRE number)

Why consumerism WON’T fulfill you, but it will make you broke

Using side hustles to supercharge your savings rate and investing goals 

Building your Barista FIRE income stream BEFORE you quit your job 

Early retirement healthcare) and how Julie pays just $40/month for coverage

Living your best life abroad for a fraction of the cost of living in the States 

And So Much More!

Check out more resources from this show on BiggerPockets.com) and https://www.biggerpockets.com/blog/money-623)

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