退休吃老本 觀念超錯
不知道大家有否聽過一個IQ題呢?題目是這樣的,從前有一遍草原,農夫養了一群牛,這群牛一年吃掉草原上一半的草,問題是這群牛需要多少年才把草原上的草吃光?
兩年?這個答案是這條問題最想你答出來的錯答案,正確答案是永遠都吃不完。道理很簡單,假設了草的生長速度不會太慢,牛群第一年吃光「這半邊草皮」,到第二年吃「那半邊草皮」時,第一年所吃光的「這半邊草皮」又會長出新草,到第三年又可以回來「這半邊草皮」再吃,而「那半邊草皮」又再生長,如此類推,生生不息吧。
生生不息可長遠無憂
無聊IQ題帶出一個概念,就是草皮生草,生生不息,不用「吃老本」的。多年前與朋友討論退休需要多少資金,他的第一個反應就是要先釐清退休年齡是多少。我反問這有何關係,他反而很錯愕,為何我會認為退休所需資金跟退休年齡沒關係。朋友假設有80歲命,認為不同年紀開始退休,退休時生活的年期完全兩回事,不同金額當然有影響。
朋友的概念,就是一筆資金,退休時每年花XX元,多少年會花光?這跟上面的「牛吃草」IQ題差不多,按朋友的概念,IQ題的答案就應該是簡單的「兩年」。至於,草皮生草,生生不息的概念,好像都不是他的想法。
無聊想起這個「牛吃草」的比喻,財務自由這個概念真的很有趣,理解箇中道理的話,所考慮的就是如何弄至草皮生草,生生不息。若有所領悟的話,所考慮的境界又會更進一步。
財務自由的考量點子
舉例,原來草的生長時間只需要兩個月就能達一定高度,題目中這群一年吃掉半塊草地的牛總數有18隻,今次這問題是這個草原最多可以養多少隻牛?
讀者可以隨便回答,當是考考自己的IQ,做些健腦活動。最重要的一點是,本來的問題,不少人誤以為是在計算除數,一年一半,1/0.5=2。然而,今次這個問題,都是除數為主,但複雜了一點點,所考慮的因素又特別一點,包括草生長的速度、牛吃草的速度、影響草的生長因素、牛群的數量變化等等。其實,這些因素就是考慮財務自由的點子了。
相關影片:https://youtu.be/3SodsH2rcdc
https://www.cpleung826.com/2022/01/blog-post_23.html
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