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cover of episode J.L. Collins, Achieving Financial Independence

J.L. Collins, Achieving Financial Independence

2025/6/7
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J.L. Collins: 我认为“F.U. money”是你通往完全财务独立的过渡阶段。完全财务独立是指你的投资产生的收益足以支付你的所有开支。拥有“F.U. money”使你更有能力和更舒适地做出更大胆的决定,例如辞掉不满的工作或冒险追求其他事业。根据我的“简单致富之路”,第一步是储蓄50%的收入。50%对我来说是最佳点,它给了我最好的生活方式,同时也相当迅速地积累了我真正想要的东西。随着我的收入增加,我生活的那一半和我投资的那一半也随之增加。如果你刚从学校毕业就开始走这条路,那就容易多了。我对那些在人生后期才开始走这条路的人表示同情,他们已经习惯了一种生活方式,如果不允许他们有积极的储蓄率,就会阻止他们实现财务独立。你必须重新配置你的生活,这样你的生活支出才会大大低于你的收入。事实上,大多数美国人的生活支出都和他们的收入一样多,有些人甚至借钱来维持更高的生活水平。走这条路并实现财务自由的人总是会是独角兽。生活中拥有的“必须品”越多,就越不可能实现财务独立。我希望他们知道可以用他们的钱购买其他的东西,比如自由和选择权。

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Financial independence isn’t just about early retirement. It’s giving your future self freedom.

J.L. Collins is the best-selling author of The Simple Path to Wealth: Your Road Map to Financial Independence and a Rich, Free Life. Robert Brokamp caught up with Collins for a conversation about:

  • The challenges and appeal of being a super-saver.

  • How to use the 4% rule.

  • The value of “self-cleansing” index funds for investors.

Ticker discussed: VTI

Host: Robert Brokamp

Guest: J.L. Collins

Producer: Ricky Mulvey

Engineer: Rick Engdahl

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