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20多岁时，最好的投资不是你的投资组合

为何“提早退休”的建议忽略了真正能产生复利效应的因素

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    • 更平衡的做法是，在投资人力资本的同时，开始进行适度的退休辅助规划。
    • 更平衡的做法是，在投资人力资本的同时，开始进行适度的退休辅助规划。 插图：UNSPLASH

    DeeperDive is a beta AI feature. Refer to full articles for the facts.

    Kenneth TH Goh

    Published Sat, Feb 7, 2026 · 07:15 AM

    本文由AI辅助翻译

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    我到底能多早退休？这个问题在网络上越来越常见。

    在2010年代开始流行的“FIRE”（财务独立，提早退休）运动提供了一种选择。其步骤看似简单：储蓄收入的50%至75%，积极投资，并在10到15年内退出职场。

    《极致提早退休》（Early Retirement Extreme）一书的作者 Jacob Lund Fisker 将这一理念推向极致。他提倡每年依靠7000美元生活，以便在五年内退休。这种方法要求极端的节俭，包括学习自己修理所有东西、放弃拥有汽车，并削减所有非必要开支，目标是尽早退出职场。

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