多久你可以達到財務自由？

想想如果在不遠的將來你不用朝九晚五的工作就可以負擔一家的開銷，應該是很不錯的吧？

假設你的家庭年費用是５０k，每年增長２％；假設你的家庭年稅後收入是８０k，每年增長２％；假設你的家庭投資數目現在是０，每年投入是你的收入減去開銷；假設你的投資回報是８％，你的Passive Income按５％計算。

按下表，１９年後你就可以宣布財務自由了。

當然，如果你已經有一定數目的投資，或者你的家庭收入更高， 或者你的家庭開銷更低，你達到財務自由的時間就更短。

朋友，你現在在什麽位置上，多久可以(或已經)財務自由？

year	cost	income	investment	passive income
1	50,000	80,000	30,000	1,500
2	51,000	81,600	63,000	3,150
3	52,020	83,232	99,252	4,963
4	53,060	84,897	139,028	6,951
5	54,122	86,595	182,624	9,131
6	55,204	88,326	230,356	11,518
7	56,308	90,093	282,569	14,128
8	57,434	91,895	339,635	16,982
9	58,583	93,733	401,956	20,098
10	59,755	95,607	469,965	23,498
11	60,950	97,520	544,132	27,207
12	62,169	99,470	624,964	31,248
13	63,412	101,459	713,009	35,650
14	64,680	103,489	808,857	40,443
15	65,974	105,558	913,150	45,658
16	67,293	107,669	1,026,578	51,329
17	68,639	109,823	1,149,888	57,494
18	70,012	112,019	1,283,887	64,194
19	71,412	114,260	1,429,445	71,472
20	72,841	116,545	1,587,505	79,375
21	74,297	118,876	1,759,084	87,954
22	75,783	121,253	1,945,280	97,264
23	77,299	123,678	2,147,282	107,364

[pretty_woman]

also not include if marriage change... ha ha

[financiallyfree]

agree, plan is a plan, just give yourself a direction, but when things happened, we must adjust the plan accordingly.

[Quarx]

Hi:
Your theory is based on one assumption: "１９年" no layoff happen, job is super-secure!

And we didn't even consider newborn child/demised family member/eduction fee..., or any other accident....