财务自由到底需要多少钱
财务自由到底需要多少钱？
By 挖煤矿工HODL
2019-4-3
很多人说财务自由，今天就谈谈财务自由到底需要多少钱。
由于家庭的存在，赚钱与花钱不是一个人的事情，我们只能计算一个人以后不工作，不结婚，不生孩子，他在30或50岁需要存多少钱，才能以后不为钱发愁。
1.通胀率
要计算以后花多少钱，并不能使用当前花钱的金额去乘以时间，因为通胀的存在，以后的钱会贬值很多。
要计算通胀率，不要信息官方那个3%的数据，那个通胀率只计算吃饭，只是最基本的生存保障，根本达不到“生活”的标准。要想在以后体面的生活，我们要自己计算通胀率。先看看下面这张工资表，可以计算通胀率有多高。
从1992年到2017年，共25年，工资从215.5涨到5873.83，涨了27.3倍，平均每年涨14.1%，这个才是真实的通胀率。如果你用官方的那个3%的通胀率，25年才翻了一倍（1.03^25=2.09），1992年215元，到2017年才430元，这个鬼才会信。
至于未来的通胀率，我们不知道会上升还是下降，如果中国进入发达国家行列，通胀率会下降的，但是下降到多少，我们并不知道。为了保守计算，我们仍然按当前的通胀率计算。
2.不理财低消费财富自由
下面的表格以低消费来计算实现财务自由要多少钱
|
年龄 |
时间 |
月工资 |
低消费（60%） |
|
|
|
|
|
月消费 |
累积 |
|
30 |
2017 |
¥5,873.83 |
¥3,524.30 |
¥42,291.58 |
|
31 |
2018 |
¥6,702.04 |
¥4,021.22 |
¥90,546.26 |
|
32 |
2019 |
¥7,647.03 |
¥4,588.22 |
¥145,604.86 |
|
33 |
2020 |
¥8,725.26 |
¥5,235.16 |
¥208,426.73 |
|
34 |
2021 |
¥9,955.52 |
¥5,973.31 |
¥280,106.47 |
|
35 |
2022 |
¥11,359.25 |
¥6,815.55 |
¥361,893.06 |
|
36 |
2023 |
¥12,960.90 |
¥7,776.54 |
¥455,211.55 |
|
37 |
2024 |
¥14,788.39 |
¥8,873.03 |
¥561,687.96 |
|
38 |
2025 |
¥16,873.55 |
¥10,124.13 |
¥683,177.54 |
|
39 |
2026 |
¥19,252.72 |
¥11,551.63 |
¥821,797.15 |
|
40 |
2027 |
¥21,967.36 |
¥13,180.41 |
¥979,962.12 |
|
41 |
2028 |
¥25,064.75 |
¥15,038.85 |
¥1,160,428.36 |
|
42 |
2029 |
¥28,598.89 |
¥17,159.33 |
¥1,366,340.33 |
|
43 |
2030 |
¥32,631.33 |
¥19,578.80 |
¥1,601,285.89 |
|
44 |
2031 |
¥37,232.35 |
¥22,339.41 |
¥1,869,358.78 |
|
45 |
2032 |
¥42,482.11 |
¥25,489.26 |
¥2,175,229.94 |
|
46 |
2033 |
¥48,472.08 |
¥29,083.25 |
¥2,524,228.94 |
|
47 |
2034 |
¥55,306.65 |
¥33,183.99 |
¥2,922,436.80 |
|
48 |
2035 |
¥63,104.88 |
¥37,862.93 |
¥3,376,791.96 |
|
49 |
2036 |
¥72,002.67 |
¥43,201.60 |
¥3,895,211.21 |
|
50 |
2037 |
¥82,155.05 |
¥49,293.03 |
¥4,486,727.56 |
|
51 |
2038 |
¥93,738.91 |
¥56,243.35 |
¥5,161,647.72 |
|
52 |
2039 |
¥106,956.10 |
¥64,173.66 |
¥5,931,731.63 |
|
53 |
2040 |
¥122,036.91 |
¥73,222.14 |
¥6,810,397.37 |
|
54 |
2041 |
¥139,244.11 |
¥83,546.47 |
¥7,812,954.97 |
|
55 |
2042 |
¥158,877.53 |
¥95,326.52 |
¥8,956,873.20 |
|
56 |
2043 |
¥181,279.26 |
¥108,767.56 |
¥10,262,083.89 |
|
57 |
2044 |
¥206,839.64 |
¥124,103.78 |
¥11,751,329.30 |
|
58 |
2045 |
¥236,004.03 |
¥141,602.42 |
¥13,450,558.31 |
|
59 |
2046 |
¥269,280.60 |
¥161,568.36 |
¥15,389,378.60 |
|
60 |
2047 |
¥307,249.16 |
¥184,349.50 |
¥17,601,572.56 |
|
61 |
2048 |
¥350,571.29 |
¥210,342.78 |
¥20,125,685.87 |
|
62 |
2049 |
¥400,001.84 |
¥240,001.11 |
¥23,005,699.15 |
|
63 |
2050 |
¥456,402.11 |
¥273,841.26 |
¥26,291,794.31 |
|
64 |
2051 |
¥520,754.80 |
¥312,452.88 |
¥30,041,228.88 |
|
65 |
2052 |
¥594,181.23 |
¥356,508.74 |
¥34,319,333.73 |
|
66 |
2053 |
¥677,960.78 |
¥406,776.47 |
¥39,200,651.36 |
|
67 |
2054 |
¥773,553.25 |
¥464,131.95 |
¥44,770,234.78 |
|
68 |
2055 |
¥882,624.26 |
¥529,574.56 |
¥51,125,129.46 |
|
69 |
2056 |
¥1,007,074.28 |
¥604,244.57 |
¥58,376,064.29 |
|
70 |
2057 |
¥1,149,071.76 |
¥689,443.05 |
¥66,649,380.93 |
|
71 |
2058 |
¥1,311,090.87 |
¥786,654.52 |
¥76,089,235.22 |
|
72 |
2059 |
¥1,495,954.69 |
¥897,572.81 |
¥86,860,108.96 |
|
73 |
2060 |
¥1,706,884.30 |
¥1,024,130.58 |
¥99,149,675.90 |
|
74 |
2061 |
¥1,947,554.98 |
¥1,168,532.99 |
¥113,172,071.78 |
|
75 |
2062 |
¥2,222,160.24 |
¥1,333,296.14 |
¥129,171,625.48 |
|
76 |
2063 |
¥2,535,484.83 |
¥1,521,290.90 |
¥147,427,116.24 |
|
77 |
2064 |
¥2,892,988.19 |
¥1,735,792.91 |
¥168,256,631.21 |
|
78 |
2065 |
¥3,300,899.52 |
¥1,980,539.71 |
¥192,023,107.79 |
|
79 |
2066 |
¥3,766,326.36 |
¥2,259,795.81 |
¥219,140,657.56 |
|
80 |
2067 |
¥4,297,378.37 |
¥2,578,427.02 |
¥250,081,781.85 |
在郑州以当前每月花3500元的标准，这是在二线城市单人花费的一个较低标准。以此生活水平计算，活到80岁，一共花费2.5亿元。80岁时，一个月就要花250万。
这里不用考虑租房的问题，因为现在你拿到2.5亿元时，买个房子几乎没有多大差别。
如果你想活的好一些，至少要每月花费3500*4=1.4万，那么财务自由要准备10亿元。
3.理财低消费财务自由
我们以保本的长期理财利率计算，这个利率目前大约是4%左右， 这样可以把那14.1%的通胀率抵消一部分，只有10%了。
|
年龄 |
时间 |
月工资 |
低消费（60%） |
|
|
|
|
|
月消费 |
累积 |
|
30 |
2017 |
¥5,873.83 |
¥3,524.30 |
¥42,291.58 |
|
31 |
2018 |
¥6,461.21 |
¥3,876.73 |
¥88,812.31 |
|
32 |
2019 |
¥7,107.33 |
¥4,264.40 |
¥139,985.12 |
|
33 |
2020 |
¥7,818.07 |
¥4,690.84 |
¥196,275.20 |
|
34 |
2021 |
¥8,599.87 |
¥5,159.92 |
¥258,194.30 |
|
35 |
2022 |
¥9,459.86 |
¥5,675.92 |
¥326,305.31 |
|
36 |
2023 |
¥10,405.85 |
¥6,243.51 |
¥401,227.41 |
|
37 |
2024 |
¥11,446.43 |
¥6,867.86 |
¥483,641.73 |
|
38 |
2025 |
¥12,591.08 |
¥7,554.65 |
¥574,297.48 |
|
39 |
2026 |
¥13,850.18 |
¥8,310.11 |
¥674,018.80 |
|
40 |
2027 |
¥15,235.20 |
¥9,141.12 |
¥783,712.26 |
|
41 |
2028 |
¥16,758.72 |
¥10,055.23 |
¥904,375.06 |
|
42 |
2029 |
¥18,434.59 |
¥11,060.76 |
¥1,037,104.14 |
|
43 |
2030 |
¥20,278.05 |
¥12,166.83 |
¥1,183,106.13 |
|
44 |
2031 |
¥22,305.86 |
¥13,383.52 |
¥1,343,708.32 |
|
45 |
2032 |
¥24,536.45 |
¥14,721.87 |
¥1,520,370.73 |
|
46 |
2033 |
¥26,990.09 |
¥16,194.05 |
¥1,714,699.38 |
|
47 |
2034 |
¥29,689.10 |
¥17,813.46 |
¥1,928,460.90 |
|
48 |
2035 |
¥32,658.01 |
¥19,594.81 |
¥2,163,598.56 |
|
49 |
2036 |
¥35,923.81 |
¥21,554.29 |
¥2,422,249.99 |
|
50 |
2037 |
¥39,516.19 |
¥23,709.71 |
¥2,706,766.57 |
|
51 |
2038 |
¥43,467.81 |
¥26,080.69 |
¥3,019,734.80 |
|
52 |
2039 |
¥47,814.59 |
¥28,688.75 |
¥3,363,999.86 |
|
53 |
2040 |
¥52,596.05 |
¥31,557.63 |
¥3,742,691.42 |
|
54 |
2041 |
¥57,855.66 |
¥34,713.39 |
¥4,159,252.14 |
|
55 |
2042 |
¥63,641.22 |
¥38,184.73 |
¥4,617,468.93 |
|
56 |
2043 |
¥70,005.34 |
¥42,003.21 |
¥5,121,507.40 |
|
57 |
2044 |
¥77,005.88 |
¥46,203.53 |
¥5,675,949.71 |
|
58 |
2045 |
¥84,706.46 |
¥50,823.88 |
¥6,285,836.26 |
|
59 |
2046 |
¥93,177.11 |
¥55,906.27 |
¥6,956,711.46 |
|
60 |
2047 |
¥102,494.82 |
¥61,496.89 |
¥7,694,674.18 |
|
61 |
2048 |
¥112,744.30 |
¥67,646.58 |
¥8,506,433.18 |
|
62 |
2049 |
¥124,018.74 |
¥74,411.24 |
¥9,399,368.07 |
|
63 |
2050 |
¥136,420.61 |
¥81,852.37 |
¥10,381,596.46 |
|
64 |
2051 |
¥150,062.67 |
¥90,037.60 |
¥11,462,047.68 |
|
65 |
2052 |
¥165,068.94 |
¥99,041.36 |
¥12,650,544.02 |
|
66 |
2053 |
¥181,575.83 |
¥108,945.50 |
¥13,957,890.00 |
|
67 |
2054 |
¥199,733.41 |
¥119,840.05 |
¥15,395,970.58 |
|
68 |
2055 |
¥219,706.75 |
¥131,824.05 |
¥16,977,859.21 |
|
69 |
2056 |
¥241,677.43 |
¥145,006.46 |
¥18,717,936.71 |
|
70 |
2057 |
¥265,845.17 |
¥159,507.10 |
¥20,632,021.95 |
|
71 |
2058 |
¥292,429.69 |
¥175,457.81 |
¥22,737,515.72 |
|
72 |
2059 |
¥321,672.66 |
¥193,003.60 |
¥25,053,558.87 |
|
73 |
2060 |
¥353,839.93 |
¥212,303.96 |
¥27,601,206.33 |
|
74 |
2061 |
¥389,223.92 |
¥233,534.35 |
¥30,403,618.54 |
|
75 |
2062 |
¥428,146.31 |
¥256,887.79 |
¥33,486,271.97 |
|
76 |
2063 |
¥470,960.94 |
¥282,576.56 |
¥36,877,190.75 |
|
77 |
2064 |
¥518,057.03 |
¥310,834.22 |
¥40,607,201.40 |
|
78 |
2065 |
¥569,862.74 |
¥341,917.64 |
¥44,710,213.12 |
|
79 |
2066 |
¥626,849.01 |
¥376,109.41 |
¥49,223,526.00 |
|
80 |
2067 |
¥689,533.91 |
¥413,720.35 |
¥54,188,170.18 |
（注意，以上的工资和消费会和实际不符，只为了抵消那4%的通胀）
当你使用了4%保本收益的理财后，只要有5400万，就可以保持低消费财务自由了。
如果你想活的好一些，至少要每月花费3500*4=1.4万，那么要准备2.1亿就可以财务自由了。