{"id":25493,"date":"2021-10-23T13:37:55","date_gmt":"2021-10-23T05:37:55","guid":{"rendered":"https:\/\/\/?p=25493"},"modified":"2024-03-20T09:44:41","modified_gmt":"2024-03-20T01:44:41","slug":"barista-fire","status":"publish","type":"post","link":"https:\/\/\/barista-fire\/","title":{"rendered":"FIRE \u61f6\u4eba\u5305\u300bBarista FIRE\u662f\u4ec0\u9ebc?\u9069\u5408\u9000\u4f11\u5f8c\u4ecd\u9858\u610f\u517c\u8077\u5de5\u4f5c\u3001\u60f3\u5118\u65e9\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c\u7684\u4f60"},"content":{"rendered":"<!-- \/367108978\/Rich01_PC_up_728x90 -->\n\t<div class='div-gpt-ad-css' id='div-gpt-ad-1564472272479-0' style='width: 728px; height: 90px;'>\n\t  <script>\n\t\tgoogletag.cmd.push(function() { googletag.display('div-gpt-ad-1564472272479-0'); });\n\t  <\/script>\n\t<\/div><p><img decoding=\"async\" class=\"alignnone size-full wp-image-34576\" src=/index.html"https:\/\/\/wp-content\/uploads\/20220408175301_71.jpg\" alt=\"Barista FIRE\u662f\u4ec0\u9ebc\" width=\"960\" height=\"502\" \/><\/p>\n<p>Barista \u00a0 FIRE\u9069\u5408\u60f3\u5118\u65e9\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c\uff0c\u9000\u4f11\u5f8c\u4ecd\u9858\u610f\u517c\u8077\u5de5\u4f5c\u7684\u4eba\uff0c<br \/>\n\u53ea\u8981\u80fd\u7dad\u6301\u57fa\u672c\u751f\u6d3b\u6240\u9700\u7684\u6536\u5165\u8ddf\u62ff\u5230\u91ab\u7642\u4fdd\u96aa\u798f\u5229\uff0c\u5728\u570b\u5916\u7d66Barista \u00a0 FIRE\u53e6\u4e00\u500b\u540d\u7a31\u662f\u661f\u5df4\u514b\u9000\u4f11\u8a08\u5283\u3002<\/p>\n<p>\u300cFIRE\u300d\u8ca1\u52d9\u81ea\u7531\uff0c\u6307\u7684\u662f\u300cFinancial Independence, Retire Early\u00a0 \u8ca1\u52d9\u7368\u7acb\u3001\u76e1\u65e9\u9000\u4f11\u300d\uff0c<\/p>\n<p>\u6700\u521d\u4eba\u5011\u7528FIRE\u4f86\u7a31\u547c\u9019\u9805\u7406\u5ff5\u8207\u57f7\u884c\u65b9\u6cd5\uff0c\u4f46\u96a8\u6642\u9593\u767c\u5c55\uff0c\u6709\u8d8a\u4f86\u8d8a\u591a\u4e0d\u540c\u7684FIRE\u65b9\u6cd5\u51fa\u73fe\uff0c<br \/>\n\u76ee\u524d\u5728\u570b\u5916\u5df2\u884d\u751f\u51fa5\u7a2e\u6bd4\u8f03\u77e5\u540d\u7684\u6a21\u5f0f\uff0c<\/p>\n<p>\u53ef\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/?p=25510&amp;preview=true\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">FIRE\u61f6\u4eba\u5305\u300bFIRE\u904b\u52d5\u662f\u4ec0\u9ebc?5\u7a2e\u9054\u5230FIRE\u8ca1\u52d9\u81ea\u7531\u7684\u6a21\u5f0f\uff0c\u9069\u5408\u4f60\u7684\u662f?<\/a><\/p>\n<p>\u9019\u7bc7\u6587\u7ae0\u5e02\u5834\u5148\u751f\u4ecb\u7d39\u300cFIRE\u300d \u5176\u4e2d\u4e4b\u4e00Barista \u00a0 FIRE\uff0c<br \/>\n\u5305\u542b\u5b83\u7684\u512a\u7f3a\u9ede\u4ee5\u53ca\u5be6\u52d9\u7684\u57f7\u884c\u64cd\u4f5c\u6642\u9700\u8981\u6ce8\u610f\u7684\u4e8b\u60c5\u3002<\/p>\n<p><!--more--><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_64 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<p class=\"ez-toc-title\">\u672c\u6587\u5e02\u5834\u5148\u751f\u6703\u544a\u8a34\u4f60\uff1a<\/p>\n<label for=\"ez-toc-cssicon-toggle-item-66129ab1e5d7a\" class=\"ez-toc-cssicon-toggle-label\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/label><input type=\"checkbox\"  id=\"ez-toc-cssicon-toggle-item-66129ab1e5d7a\"  aria-label=\"Toggle\" \/><nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=/index.html"https:\/\/\/barista-fire\/#Barista_FIRE%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\" title=\"Barista FIRE\u662f\u4ec0\u9ebc\uff1f\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Barista FIRE\u662f\u4ec0\u9ebc\uff1f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=/index.html"https:\/\/\/barista-fire\/#Barista_FIRE%E9%81%A9%E5%90%88%E4%BB%80%E9%BA%BC%E6%A8%A3%E7%9A%84%E4%BA%BA\" title=\"Barista FIRE\u9069\u5408\u4ec0\u9ebc\u6a23\u7684\u4eba\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Barista FIRE\u9069\u5408\u4ec0\u9ebc\u6a23\u7684\u4eba<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=/index.html"https:\/\/\/barista-fire\/#%E9%80%B2%E5%85%A5Barista_FIRE%E5%89%8D%EF%BC%8C%E4%BD%A0%E5%BF%85%E9%9C%80%E5%85%B7%E5%82%99%E7%9A%84%E6%A2%9D%E4%BB%B6\" title=\"\u9032\u5165Barista FIRE\u524d\uff0c\u4f60\u5fc5\u9700\u5177\u5099\u7684\u689d\u4ef6\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u9032\u5165Barista FIRE\u524d\uff0c\u4f60\u5fc5\u9700\u5177\u5099\u7684\u689d\u4ef6<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-4\" href=/index.html"https:\/\/\/barista-fire\/#Barista_FIRE%E7%9A%846%E5%80%8B%E5%9F%B7%E8%A1%8C%E6%AD%A5%E9%A9%9F\" title=\"Barista FIRE\u76846\u500b\u57f7\u884c\u6b65\u9a5f\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Barista FIRE\u76846\u500b\u57f7\u884c\u6b65\u9a5f<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-5\" href=/index.html"https:\/\/\/barista-fire\/#Barista_FIRE%E5%AF%A6%E9%9A%9B%E5%9F%B7%E8%A1%8C%E6%A1%88%E4%BE%8B\" title=\"Barista FIRE\u5be6\u969b\u57f7\u884c\u6848\u4f8b\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Barista FIRE\u5be6\u969b\u57f7\u884c\u6848\u4f8b<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-6\" href=/index.html"https:\/\/\/barista-fire\/#Barista_FIRE%E7%9A%84%E5%84%AA%E9%BB%9E%E8%88%87%E7%BC%BA%E9%BB%9E\" title=\"Barista FIRE\u7684\u512a\u9ede\u8207\u7f3a\u9ede\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Barista FIRE\u7684\u512a\u9ede\u8207\u7f3a\u9ede<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-7\" href=/index.html"https:\/\/\/barista-fire\/#%E5%B0%8E%E8%87%B4Barista_FIRE%E5%A4%B1%E6%95%97%E7%9A%84%E4%B8%8D%E7%A2%BA%E5%AE%9A%E5%9B%A0%E7%B4%A0\" title=\"\u5c0e\u81f4Barista FIRE\u5931\u6557\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5c0e\u81f4Barista FIRE\u5931\u6557\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-8\" href=/index.html"https:\/\/\/barista-fire\/#%E7%B8%BD%E7%B5%90%EF%BC%9ABarista_FIRE%E7%B5%90%E5%90%88%E4%BA%86%E5%85%BC%E8%81%B7%E5%B7%A5%E4%BD%9C%E7%9A%84%E5%A5%BD%E8%99%95%E5%92%8C%E9%80%80%E4%BC%91%E7%9A%84%E8%87%AA%E7%94%B1\" title=\"\u7e3d\u7d50\uff1aBarista FIRE\u7d50\u5408\u4e86\u517c\u8077\u5de5\u4f5c\u7684\u597d\u8655\u548c\u9000\u4f11\u7684\u81ea\u7531\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u7e3d\u7d50\uff1aBarista FIRE\u7d50\u5408\u4e86\u517c\u8077\u5de5\u4f5c\u7684\u597d\u8655\u548c\u9000\u4f11\u7684\u81ea\u7531<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Barista_FIRE%E6%98%AF%E4%BB%80%E9%BA%BC%EF%BC%9F\"><\/span><strong>Barista FIRE<\/strong><strong>\u662f<\/strong><strong>\u4ec0\u9ebc\uff1f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Barista \u00a0 FIRE\u610f\u601d\u662f\u63d0\u5021\u5728\u300e\u672a\u8cfa\u53d6\u8db3\u5920\u9000\u4f11\u7684\u91d1\u984d\uff0c\u5c31\u63d0\u65e9\u9032\u5165\u9000\u4f11\u300f\uff0c<\/p>\n<p>\u5728\u96e2\u958b\u8077\u5834\u4e4b\u5f8c\uff0c\u4e4b\u5f8c\u4f9d\u9760\u517c\u8077\u6253\u5de5\uff0c\u50c5\u7dad\u6301\u57fa\u672c\u751f\u6d3b\u6240\u9700\u7684\u6536\u5165\u8ddf\u62ff\u5230\u91ab\u7642\u4fdd\u96aa\u798f\u5229\u70ba\u76ee\u7684\uff0c\u5176\u4ed6\u6642\u9593\u5247\u4eab\u53d7\u60a0\u9592\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u662fBarista \u00a0 FIRE\u7684\u7279\u5225\u8655\uff0c<br \/>\n\u5728\u570b\u5916\u7d66Barista \u00a0 FIRE\u53e6\u4e00\u500b\u540d\u7a31\u662f\u661f\u5df4\u514b\u9000\u4f11\u8a08\u5283\u3002<\/p>\n<p>\u8a31\u591a\u4eba\u66fe\u7d93\u5922\u60f3\uff0c\u81ea\u5df1\u9000\u4f11\u5f8c\u958b\u9593\u5496\u5561\u5ef3\u6216\u8005\u5728\u5496\u5561\u5e97\u6253\u5de5\u3001\u5728\u6d77\u7058\u885d\u6d6a\u5c0f\u5c4b\u6253\u5de5\u7b49\u7b49\uff0c<br \/>\nBarista FIRE\u5c31\u985e\u4f3c\u9019\u7a2e\u76ee\u6a19\u7684\u6295\u8cc7\u8a08\u5283\u3002<\/p>\n<p>\u4e00\u822c\u7684FIRE\u5728\u9000\u4f11\u5f8c\u662f\u5b8c\u5168\u9760\u6295\u8cc7\u7d44\u5408\u4f86\u652f\u61c9\u751f\u6d3b\u652f\u51fa\uff0c<br \/>\nBarista FIRE\u5247\u662f\u4e0d\u5b8c\u5168\u4f9d\u8cf4\u6295\u8cc7\u7d44\u5408\uff0c\u4ecd\u6709\u90e8\u5206\u517c\u8077\u6536\u5165\u88dc\u8cbc\u751f\u6d3b\u652f\u51fa\uff0c\u9019\u6a23\u4e00\u4f86\u9700\u8981\u7684\u6295\u8cc7\u7d44\u5408\u8cc7\u91d1\u4e5f\u76f8\u5c0d\u8f03\u5c0f\u3001\u4e5f\u80fd\u63d0\u65e9\u5b58\u5230\u6240\u9700\u8cc7\u91d1\u9000\u4f11\u3002<\/p>\n<h3>Barista \u00a0 FIRE vs Coast\u00a0 FIRE \u5dee\u7570<\/h3>\n<ul>\n<li>Barista\u00a0 FIRE\u53ef\u63d0\u65e9\u9000\u4f11\uff0c\u56e0\u70ba\u4e0d\u9700\u8981\u5b58\u5920\u9000\u4f11\u91d1\uff1bCoast\u00a0 FIRE\u662f\u4e0d\u8ac7\u63d0\u65e9\u9000\u4f11\uff0c\u800c\u662f\u5c08\u6ce8\u5728\u5982\u4f55\u63d0\u65e9\u5b58\u5920\u9000\u4f11\u91d1\u3002<\/li>\n<li>Barista FIRE\u7684\u5176\u4ed6\u6536\u5165\uff0c\u9084\u8981\u79b0\u88dc\u751f\u6d3b\u958b\u92b7\u7684\u7f3a\u53e3\uff1bCoast\u00a0 FIRE\u5b58\u5920\u9000\u4f11\u91d1\u5f8c\uff0c\u5176\u4ed6\u6536\u5165\u53ef\u4ee5\u81ea\u7531\u904b\u7528\u3002<\/li>\n<li>Barista FIRE\u8207Coast\u00a0 FIRE\u90fd\u662fRegular FIRE\u6539\u826f\u7248\uff0c\u662f\u6709\u5f88\u9ad8\u7684\u6210\u529f\u7387\u53ef\u4ee5\u5be6\u73fe\u8a08\u5283\u3002<\/li>\n<\/ul>\n<h3>\u4ee5Regular FIRE\u70ba\u57fa\u6e96\u9032\u884c\u6539\u826f<br \/>\n\u900f\u904e4%\u6cd5\u5247\uff0c\u8861\u91cf\u51faFIRE\u6240\u9700\u7684\u6295\u8cc7\u8cc7\u91d1<\/h3>\n<p>\u6839\u64da\u5b98\u65b9\u63d0\u4f9b\u6578\u64da\u986f\u793a\uff0c<br \/>\n\u4ee5\u7f8e\u570b\u5b98\u65b9\u7d71\u8a082019\u5e74\u7f8e\u570b\u5bb6\u5ead\u5e73\u5747\u652f\u51fa\u662f 6.2\u842c\u7f8e\u91d1\uff0c\u800c\u53f0\u7063\u5b98\u65b9\u7d71\u8a082019\u5e74\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u652f\u51fa\u662f83\u842c\u53f0\u5e63\u4f86\u8aaa\uff0c<\/p>\n<p>\u9019\u91d1\u984d\u662f\u4e00\u822c\u570b\u5916\u5927\u773e\u8a8d\u70ba\u5728\u57f7\u884cRegular FIRE\u6709\u5f88\u9ad8\u6210\u529f\u7387\u7684\u8a08\u7b97\u6578\u5b57\uff0c<br \/>\n\u4e5f\u56e0\u6b64<strong>Barista FIRE\u5c31\u662f\u7531Regular FIRE\u800c\u4f86\u7684\u6539\u826f\u6a21\u5f0f\u4e4b\u4e00<\/strong>\u3002<\/p>\n<p>\u4f9d\u7167\u7d93\u9a57\u6cd5\u5247\u4e0b\uff0c\u4ee5Regular FIRE\u76ee\u524d\u6bcf\u5e74\u7684\u6d88\u8cbb\u652f\u51fa\uff0c\u5229\u7528<a href=/index.html"https:\/\/\/four-percent-rule\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">4%\u6cd5\u5247<\/a>\u8a08\u7b97\u51fa\u7b26\u5408\u9000\u4f11\u91d1\uff0c<\/p>\n<p>Barista\u00a0 FIRE\u53ea\u9700\u8981\u5b58\u5230Regular\u00a0 FIRE\u9000\u4f11\u91d1\u76846\u52307\u6210\uff08\u53ef\u81ea\u884c\u8a02\u5b9a\u6210\u6578\uff09\uff0c\u5c31\u53ef\u4ee5\u63d0\u65e9\u9000\u4f11\u4e86\u3002<br \/>\n(\u4e0b\u9762\u6703\u8209\u500b\u5be6\u969b\u64cd\u4f5c\u7684\u4f8b\u5b50)<\/p>\n<p>\u82e5\u60f3\u66f4\u9032\u4e00\u6b65\u4e86\u89e3\u5176\u4ed6\u7684\u6539\u826f\u6a21\u5f0f\u8acb\u53c3\u8003\uff1a<a href=/index.html"https:\/\/\/?p=25499&amp;preview=true\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Coast FIRE<\/a><\/p>\n<p>\u652f\u51fa\u8cc7\u6599\u5b98\u65b9\u9023\u7d50\uff1a<a href=/index.html"https:\/\/www.bls.gov\/cex\/news.htm\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\">\u7f8e\u570b\u5bb6\u5ead\u5e73\u5747\u652f\u51fa<\/a>\u3001<a href=/index.html"https:\/\/win.dgbas.gov.tw\/fies\/a11.asp?year=108\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\">\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u652f\u51fa<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Barista_FIRE%E9%81%A9%E5%90%88%E4%BB%80%E9%BA%BC%E6%A8%A3%E7%9A%84%E4%BA%BA\"><\/span><strong>Barista FIRE\u9069\u5408\u4ec0\u9ebc\u6a23\u7684\u4eba<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><strong>\u9069\u5408\u7684\u4eba\u7fa4\uff1a<\/strong>\u9000\u4f11\u5f8c\u4ecd\u9858\u610f\u517c\u8077\u5de5\u4f5c\u3001\u60f3\u5118\u65e9\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c\u7684\u4f60\uff08\u4e00\u822c\u4e0a\u73ed\u65cf\uff09\u3002<\/p>\n<p><strong>\u4e0d\u9069\u5408\u7684\u4eba\u7fa4\uff1a<\/strong>FIRE\u7684\u6a21\u5f0f\u6709\u4e94\u7a2e\uff0c\u5982\u679c\u4f60\u4e0d\u5c6c\u65bcBarista \u00a0 FIRE\uff0c<br \/>\n\u53ef\u4ee5\u53c3\u8003\u5176\u4ed6\u6a21\u5f0fRegular FIRE\u3001Lean\u3000FIRE\u3001 Fat \u00a0 FIRE\u3001 Coast\u00a0 FIRE\uff0c\u9078\u64c7\u6700\u7b26\u5408\u7406\u60f3\u4e2d\u7684\u751f\u6d3b\u3002<\/p>\n<table dir=\"ltr\" style=\"width: 100%; height: 236px;\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\n<colgroup>\n<col width=\"100\" \/>\n<col width=\"313\" \/><\/colgroup>\n<tbody>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 99.7416%;\" colspan=\"2\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;FIRE\u904b\u52d5&quot;}\" data-sheets-hyperlink=\"https:\/\/\/fire-5-types\/\">\n<h3><a href=/index.html"https:\/\/\/fire-5-types\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">FIRE\u904b\u52d5\u76845\u7a2e\u8a08\u756b\u65b9\u5f0f<\/a><\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Regular FIRE&quot;}\"><strong>FIRE \u8a08\u756b\u6a21\u5f0f<\/strong><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283&quot;}\"><strong>\u6a21\u5f0f\u7279\u6027\u8aaa\u660e<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Regular FIRE&quot;}\"><a href=/index.html"https:\/\/\/regular-fire\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Regular FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283&quot;}\">\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Lean FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/lean-fire\/\"><a href=/index.html"https:\/\/\/lean-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Lean FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u6975\u7aef\u7bc0\u7701\u53ea\u60f3\u76e1\u5feb\u9032\u5165\u9000\u4f11\u751f\u6d3b&quot;}\">\u6975\u7aef\u7bc0\u7701\u53ea\u60f3\u76e1\u5feb\u9032\u5165\u9000\u4f11\u751f\u6d3b<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Fat FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/fat-fire\/\"><a href=/index.html"https:\/\/\/fat-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Fat FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u8ffd\u6c42\u8457\u8212\u9069\u5962\u4f88\u4e0d\u8003\u616e\u9322\u7684\u9000\u4f11\u751f\u6d3b&quot;}\">\u8ffd\u6c42\u8457\u8212\u9069\u5962\u4f88\u4e0d\u8003\u616e\u9322\u7684\u9000\u4f11\u751f\u6d3b<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Barista FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/barista-fire\/\"><a href=/index.html"https:\/\/\/barista-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Barista FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u8ffd\u6c42\u8457\u517c\u8077\u63db\u53d6\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c&quot;}\">\u8ffd\u6c42\u8457\u517c\u8077\u63db\u53d6\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Coast FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/coast-fire\/\"><a href=/index.html"https:\/\/\/coast-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Coast FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u53ef\u4ee5\u4e0d\u7528\u4e00\u76f4\u7bc0\u5109\u4e0d\u7528\u63d0\u65e9\u9000\u4f11&quot;}\">\u53ef\u4ee5\u4e0d\u7528\u4e00\u76f4\u7bc0\u5109\u4e0d\u7528\u63d0\u65e9\u9000\u4f11<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 99.7416%; text-align: right;\" colspan=\"2\">\u8cc7\u6599\u6574\u7406\uff1a<a href=/index.html"https:\/\/\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Mr.Market\u5e02\u5834\u5148\u751f<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h2><span class=\"ez-toc-section\" id=\"%E9%80%B2%E5%85%A5Barista_FIRE%E5%89%8D%EF%BC%8C%E4%BD%A0%E5%BF%85%E9%9C%80%E5%85%B7%E5%82%99%E7%9A%84%E6%A2%9D%E4%BB%B6\"><\/span><strong>\u9032\u5165Barista FIRE\u524d\uff0c\u4f60\u5fc5\u9700\u5177\u5099\u7684\u689d\u4ef6<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u5728\u5b8c\u6574\u7684\u8ca1\u52d9\u898f\u5283\u4e2d\uff0c\u9996\u5148\u8981\u9054\u5230\u8ca1\u52d9\u5b89\u5168\u3001\u5176\u6b21\u662f\u6295\u8cc7\u4fdd\u503c\u8207\u589e\u503c\uff0c\u6700\u5f8c\u624d\u662f\u6e96\u5099\u9000\u4f11\u91d1\uff0c\u6240\u4ee5\u9084\u67093\u500b\u5fc5\u5099\u7684\u689d\u4ef6\u9700\u8981\u88ab\u6eff\u8db3\uff0c<\/p>\n<p><strong>1. \u907f\u514d\u9ad8\u5229\u50b5\u52d9\uff1a<\/strong>\u5c31\u7b97\u662f\u5df2\u5177\u5099\u6b63\u5411\u7684\u73fe\u91d1\u6d41\uff08\u7e3d\u6536\u5165&gt;\u7e3d\u652f\u51fa\uff09\u7684\u72c0\u6cc1\u4e0b\uff0c\u537b\u80cc\u8ca0\u8d85\u904e\u6295\u8cc7\u5e74\u5316\u5831\u916c\u7684\u5229\u606f\u652f\u51fa\uff0c\u5efa\u8b70\u6703\u5148\u4ee5\u6e05\u511f\u50b5\u52d9\u70ba\u512a\u5148\u3002<\/p>\n<p><strong>2. \u8ca1\u52d9\u8b77\u57ce\u6cb3\u4e00\uff1a<\/strong>6\u500b\u6708\u4ee5\u4e0a\u7684<a href=/index.html"https:\/\/\/emergency-reserve\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u7dca\u6025\u5099\u7528\u91d1<\/a>\u3002<br \/>\n\u4f8b\u5982\uff0c\u4ee5\u53f0\u7063\u5b98\u65b9\u7d71\u8a082019\u5e74\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u652f\u51fa\u662f 83\u842c\u53f0\u5e63\uff0c\u63db\u7b976\u500b\u6708\u7684\u7dca\u6025\u5099\u7528\u91d1\u91d1\u984d\uff1a42\u842c\u53f0\u5e63\u3002<\/p>\n<p><strong>3. \u8ca1\u52d9\u8b77\u57ce\u6cb3\u4e8c\uff1a<\/strong>\u5fc5\u8981\u7684<a href=/index.html"https:\/\/\/lifetime-insurance-plan\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u4fdd\u96aa\u898f\u5283<\/a>(\u7d42\u751f\u91cd\u5927\u75be\u75c5\u96aa\u3001\u5be6\u652f\u5be6\u4ed8\u91ab\u7642\u96aa\u3001\u7d42\u751f\/\u5b9a\u671f\u4f4f\u9662\u65e5\u984d\u91ab\u7642\u96aa\u3001\u7d42\u751f\u764c\u75c7\u91ab\u7642\u3001\u610f\u5916\u96aa\u3001\u5931\u80fd\u96aa)\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Barista_FIRE%E7%9A%846%E5%80%8B%E5%9F%B7%E8%A1%8C%E6%AD%A5%E9%A9%9F\"><\/span><strong>Barista FIRE\u76846\u500b\u57f7\u884c\u6b65\u9a5f<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u4ee5\u4e0b\u6703\u7528\u5be6\u969b\u72c0\u6cc1\u8209\u4f8b\u505a\u793a\u7bc4\uff0c\u4f60\u53ef\u4ee5\u6839\u64da\u81ea\u5df1\u7684\u60c5\u6cc1\u4fee\u6539\u689d\u4ef6\uff0c\u7b97\u51fa\u81ea\u5df1\u7684FIRE\u8a08\u756b\u3002<\/p>\n<p><strong><span style=\"font-size: 20px;\">1. \u4e86\u89e3\u652f\u51fa\u8207\u6536\u5165\u7684\u8ca1\u52d9\u72c0\u6cc1\uff1a<\/span><\/strong><\/p>\n<p>\u95dc\u65bc\u4e86\u89e3\u4f60\u76ee\u524d\u7684\u751f\u6d3b\u958b\u92b7\u662f\u591a\u5c11\uff0c\u7e3d\u6536\u5165\u6e1b\u53bb\u7e3d\u652f\u51fa\u5f8c\uff0c\u5269\u9918\u591a\u5c11\u7684\u91d1\u9322\u505a\u672a\u4f86\u7406\u8ca1\u6295\u8cc7\u898f\u5283\uff0c\u662f\u6700\u91cd\u8981\u7684\u4e00\u500b\u6b65\u9a5f\u3002<\/p>\n<h3>\u5e74\u652f\u51fa\u662f\u8a08\u7b97FIRE\u7684\u91cd\u5fc3<\/h3>\n<p>\u5728\u505a\u9019\u9805\u8a08\u5283\u6642\uff0c\u5728\u6bcf\u500b\u4eba\u5fc3\u88e1\u6709\u4e00\u5b9a\u9810\u671f\u503c\uff0c\u4ee5\u5f8c\u60f3\u8981\u904e\u4ec0\u9ebc\u6a23\u7684\u9000\u4f11\u751f\u6d3b\uff0c\u9700\u8981\u7528\u591a\u5c11\u91d1\u984d\u4f86\u61c9\u4ed8\u751f\u6d3b\u958b\u92b7\uff0c\u4f46\u4e00\u822c\u4f86\u8aaa\u5f88\u96e3\u53bb\u8861\u91cf\u672a\u4f86\u7684\u6d88\u8cbb\u652f\u51fa\uff0c<\/p>\n<p>\u6240\u4ee5\uff0cFIRE\u904b\u52d5\u5c31\u662f\u4ee5\u76ee\u524d\u7684\u5be6\u969b\u751f\u6d3b\u652f\u51fa\uff0c\u5408\u7406\u9810\u4f30\u63a8\u7b97\u9000\u4f11\u5f8c\u7684\u751f\u6d3b\u958b\u92b7\uff0c<\/p>\n<h3>\u4e86\u89e3\u81ea\u5df2\u7684\u652f\u51fa\u8207\u6536\u5165<\/h3>\n<p>\u5982\u679c\u4f60\u539f\u5148\u5c31\u6709\u8a18\u5e33\u7fd2\u6163\uff0c\u5f88\u6e05\u695a\u660e\u767d\u81ea\u5df2\u7684\u6536\u652f\u60c5\u6cc1\uff0c\u5c31\u53ef\u4ee5\u9032\u884c\u4e0b\u4e00\u500b\u6b65\u9a5f\uff0c\u76f4\u63a5\u8a08\u7b97FIRE \u9000\u4f11\u91d1\uff0c<\/p>\n<p>\u53e6\u4e00\u7a2e\u60c5\u6cc1\uff0c\u4e0d\u4e86\u89e3\u81ea\u5df2\u6536\u652f\u72c0\u6cc1\uff0c\u53ef\u4ee5\u5148\u8a66\u8457\u4f7f\u7528\u9019\u5f35\u8868\uff0c\u5b83\u6703\u5354\u52a9\u4f60\u91d0\u6e05\u6536\u652f\u4e26\u8a08\u7b97\u51fa\u53ef\u6295\u5165FIRE\u7684\u91d1\u984d\uff0c<\/p>\n<p>\u8a08\u7b97\u5982\u4e0b\u8868\uff1a<a href=/index.html"https:\/\/docs.google.com\/spreadsheets\/d\/1wIEhHNMbklXui5tdZDlroOHchc1EwsB8\/edit?usp=sharing&amp;ouid=102396572779029254986&amp;rtpof=true&amp;sd=true\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\">FIRE\u9810\u7b97\u8868<\/a><\/p>\n<p><strong><span style=\"font-size: 20px;\">2. \u4f7f\u75284%\u6cd5\u5247\uff0c\u8a08\u7b97Barista FIRE\u8ca1\u52d9\u81ea\u7531\u9000\u4f11\u91d1<\/span><\/strong><strong><span style=\"font-size: 20px;\">\u00a0<\/span><\/strong><\/p>\n<table style=\"width: 100%; height: 335px;\">\n<tbody>\n<tr style=\"height: 10px;\">\n<td style=\"height: 10px;\" colspan=\"2\">\n<p style=\"text-align: center;\"><b>Barista \u00a0 <\/b><b>FIRE \u9000\u4f11\u91d1\u4f30\u7b97\u8868<\/b><\/p>\n<\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px;\"><span style=\"font-weight: 400;\">\u7f8e\u570b\u5bb6\u5ead\u5e73\u5747\u652f\u51fa\/\u5e74\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0\u00a0<\/span><\/td>\n<td style=\"text-align: center; height: 40px;\"><span style=\"font-weight: 400;\"> 6.2\u842c USD<\/span><\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px;\"><span style=\"font-weight: 400;\">\u7f8e\u570b\u5145\u8db3\u7684\u9000\u4f11\u91d1(\u5e74\u652f\u51fa\u00d7 25\u500d)\u00a0<\/span><\/td>\n<td style=\"text-align: center; height: 40px;\"><span style=\"font-weight: 400;\">155\u842c\u00a0 USD<\/span><\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px;\"><span style=\"font-weight: 400;\">\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u652f\u51fa\/\u5e74<\/span><\/td>\n<td style=\"text-align: center; height: 40px;\"><span style=\"font-weight: 400;\">83\u842c\u00a0 TWD<\/span><\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px;\"><span style=\"font-weight: 400;\">\u53f0\u7063\u5145\u8db3\u7684\u9000\u4f11\u91d1(\u5e74\u652f\u51fa\u00d7 25\u500d)<\/span><\/td>\n<td style=\"text-align: center; height: 40px;\"><span style=\"font-weight: 400;\">2075\u842c\u00a0 TWD<\/span><\/td>\n<\/tr>\n<tr style=\"height: 40px;\">\n<td style=\"height: 40px;\"><span style=\"font-weight: 400;\">\u53f0\u7063\u5bb6\u5ead\u5e73\u5747\u5132\u84c4\u91d1\/\u5e74<\/span><\/td>\n<td style=\"text-align: center; height: 40px;\"><span style=\"font-weight: 400;\">23\u842c\u00a0 TWD<\/span><\/td>\n<\/tr>\n<tr style=\"height: 31px;\">\n<td style=\"height: 31px;\" colspan=\"2\">\n<p style=\"text-align: right;\"><span style=\"font-weight: 400;\">\u8cc7\u6599\u4f86\u6e90:<\/span><span style=\"font-weight: 400;\">2019\u5e74<\/span><span style=\"font-weight: 400;\">\u7f8e\u570b\u5b98\u65b9\u53ca\u53f0\u7063\u5b98\u65b9\u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u8cc7\u6599\u6574\u7406\uff1a<a href=/index.html"https:\/\/\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Mr.Market\u5e02\u5834\u5148\u751f<\/a><\/span><\/p>\n<\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<h3>\u7b2c\u4e00\u968e\u6bb5\uff1a\u4ee5Regular FIRE\u9000\u4f11\u91d1\u70ba\u57fa\u6e96<\/h3>\n<p>\u4f9d\u7f8e\u570b\u5bb6\u5ead\u5e74\u5e73\u5747\u652f\u51fa\u63d0\u9818\u91d1\u984d\u70ba\u7f8e\u91d1 6.2\u842c\u5143\uff0c\u4f9d4% \u6cd5\u5247(25\u500d)\uff0c\u4f60\u9700\u8981\u5b58\u5230\u5145\u8db3\u7684\u9000\u4f11\u91d1\uff1a 6.2\u842c\u5143\u00d7 25=155\u842c\u5143\u3002<\/p>\n<p>\u4f9d\u53f0\u7063\u5bb6\u5ead\u5e74\u5e73\u5747\u652f\u51fa\u63d0\u9818\u91d1\u984d\u70ba\u53f0\u5e6383\u842c\u5143\uff0c\u4f9d4% \u6cd5\u5247(25\u500d)\uff0c\u4f60\u9700\u8981\u5b58\u5230\u5145\u8db3\u7684\u9000\u4f11\u91d1\uff1a83\u842c\u5143\u00d7 25=2075\u842c\u5143\u3002<\/p>\n<p>\u5728\u7d93\u9a57\u6cd5\u5247\u4e0b\uff0c\u53ea\u8981\u4e0d\u8981\u63d0\u9818\u8d85\u904e4\uff05\uff0c\u9019\u7b46\u9000\u4f11\u91d1\u5728\u9000\u4f11\u5f8c\u768420\u5e74\uff5e30\u5e74\uff0c\u6975\u6709\u9ad8\u905490%\u7684\u6a5f\u7387\uff0c\u53ef\u80fd\u90fd\u82b1\u4e0d\u5b8c\uff0c\u800c\u4e14\u9084\u6709\u5269\u9918\u7684\u9322\u3002<\/p>\n<h3>\u7b2c\u4e8c\u968e\u6bb5\uff1aBarista FIRE\u9000\u4f11\u91d1\u53ea\u9700\u8981\u5b58\u5230Regular FIRE\u768470%\uff08\u53ef\u81ea\u884c\u8a02\u5b9a\u6210\u6578\uff09<\/h3>\n<p>\u5b58\u5230\u6eff\u8db3\u90e8\u4efd\u9000\u4f11\u91d1\uff1a2075\u842c\u5143\u00d7 70%=1452.5\u842c\uff0c\u5269\u4e0b\u4e0d\u8db330%\u7684\u9000\u4f11\u91d1\u7f3a\u53e3\uff0c\u5c31\u9700\u8981\u9760\u517c\u8077\u6253\u5de5\u6536\u5165\u4f86\u7dad\u6301\u4e86\u3002<\/p>\n<p>\u9700\u7279\u5225\u6ce8\u610f\u7684\u662f\uff0c\u9019\u7b46\u9000\u4f11\u91d1\u91d1\u984d\uff0c\u4e0d\u5305\u542b\u623f\u7522\u7684\u91d1\u984d\u3002<\/p>\n<p><strong><span style=\"font-size: 20px;\">3. \u8cc7\u91d1\u61c9\u8a72\u6295\u8cc7\u5728\u54ea\uff0c\u4f86\u9054\u6210\u9000\u4f11\u91d1\u76ee\u6a19<\/span><\/strong><\/p>\n<p>Barista \u00a0 FIRE\u65cf\u7fa4\uff0c\u5728\u671d\u4e5d\u665a\u4e94\u7684\u4e0a\u73ed\u65cf\u6642\u671f\uff0c\u4e5f\u5c31\u662f\u5132\u84c4\u9000\u4f11\u91d1\u968e\u6bb5\uff0c<\/p>\n<p>\u96d6\u6709\u7a69\u5b9a\u7684\u73fe\u91d1\u6d41\u5165\uff0c\u4f46\u56e0\u70ba\u964d\u4f4e\u9000\u4f11\u91d1\u76ee\u6a19\uff0c\u63d0\u65e9\u9000\u4f11\uff0c\u5728\u6295\u8cc7\u4e0a\u66f4\u662f\u8981\u4ee5\u7c21\u55ae\u3001\u7a69\u5b9a\u6027\u9ad8\u3001\u4e0d\u9700\u8981\u983b\u7e41\u64cd\u4f5c\u70ba\u4e3b\u7684\u6295\u8cc7\u65b9\u5f0f\uff0c\u5efa\u8b70\u7684\u65b9\u6cd5\u5de5\u5177\uff1a<\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">\u6295\u8cc7\u65b9\u6cd5\uff1a<a href=/index.html"https:\/\/\/how-asset-allocation-1\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u8cc7\u7522\u914d\u7f6e<\/a>\u3001<a href=/index.html"https:\/\/\/what-passive-invest\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u88ab\u52d5\u6295\u8cc7<\/a><\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u6295\u8cc7\u5de5\u5177\uff1a<a href=/index.html"https:\/\/\/learn-etf-all\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">ETF<\/a><\/span><\/li>\n<\/ul>\n<p>\u4ee5<strong>\u7a69\u5065\u6210\u9577\u7684\u8cc7\u7522\u914d\u7f6e\u7d44\u5408<\/strong>\u6700\u70ba\u9069\u5408\uff0c\u6309\u7167\u898f\u5283\u5b58\u4e0b\u9000\u4f11\u91d1\uff0c\u800c\u592a\u904e\u4fdd\u5b88\u6216\u662f\u7a4d\u6975\u6295\u8cc7\u5c31\u4e0d\u9069\u5408\u3002<\/p>\n<h3>\u900f\u904e ETF\u8cc7\u7522\u914d\u7f6e\uff0c\u5275\u9020\u51fa\u8db3\u5920\u652f\u4ed8\u672a\u4f86\u751f\u6d3b\u958b\u92b7\u7684\u6301\u7e8c\u88ab\u52d5\u6536\u5165<\/h3>\n<p>\u5728\u4e00\u822c\u570b\u5916\u5927\u773e\uff0cFIRE\u6210\u529f\u8005\u6240\u63a8\u5d07\u7684\uff0c\u4e14\u7b26\u5408Barista \u00a0 FIRE\u65cf\u7fa4\u9700\u6c42\uff0c<br \/>\n\u6240\u4f7f\u7528\u7684\u65b9\u6cd5\u662f <a href=/index.html"https:\/\/\/what-passive-invest\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u88ab\u52d5\u6295\u8cc7<\/a>\uff0c\u6700\u4e3b\u8981\u7684\u4f7f\u7528\u5de5\u5177\u662f ETF\uff0c<\/p>\n<p>ETF (exchange traded fund) \u6307\u6578\u578b\u57fa\u91d1\u662f\u4e00\u6b21\u8cb7\u9032\u4e00\u7c43\u5b50\u7684\u6a19\u7684\uff0c<br \/>\n\u53ef\u4ee5\u662f\u5404\u570b\u7684\u80a1\u7968\u3001\u50b5\u5238\u3001\u5916\u5e63\u3001\u539f\u7269\u6599\u2026\u7b49\u6295\u8cc7\u5546\u54c1\uff0c<br \/>\n\u7279\u6027\u662f\u5206\u6563\u98a8\u96aa\u3001\u4e0d\u5bb9\u6613\u66b4\u6f32\u66b4\u8dcc\u3001\u53ef\u4ee5\u76f4\u63a5\u5728\u80a1\u7968\u4ea4\u6613\u6240\u8cb7\u8ce3\uff0c\u624b\u7e8c\u8cbb\u4e5f\u4f4e\u5f88\u591a\u3002<\/p>\n<p>\u800c\u6307\u6578\u578b\u57fa\u91d1\uff0c\u610f\u601d\u662f\u4e0d\u900f\u904e\u57fa\u91d1\u7d93\u7406\u4eba\u7684\u4e3b\u89c0\u5224\u65b7\u6295\u8cc7\uff0c\u662f\u6839\u64da\u67d0\u4e00\u500b\u6307\u6578\u898f\u5247\u8cb7\u9032\uff0c<br \/>\n\u9019\u65b9\u5f0f\u8b93ETF\u6e1b\u5c11\u4e86\u7ba1\u7406\u6210\u672c\uff0c\u7ba1\u7406\u8cbb\u7528\u7387\u5f97\u4ee5\u5927\u5e45\u4e0b\u964d\u3002<\/p>\n<p>\u4e00\u822c\u4eba\u53ea\u8981\u7528ETF\u9032\u884c\u7c21\u55ae\u7684<a href=/index.html"https:\/\/\/how-asset-allocation-1\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">\u8cc7\u7522\u914d\u7f6e<\/a>\uff0c\u5c31\u53ef\u4ee5\u7c21\u55ae\u5f97\u5230\u4e00\u500b\u7e3e\u6548\u4e26\u4e0d\u6bd4\u4e00\u822c\u6709\u57fa\u91d1\u7d93\u7406\u4eba\u9078\u80a1\u7684\u57fa\u91d1\u5dee\u3002<br \/>\n\u5982\u679c\u9084\u4e0d\u719f\u6089ETF\uff0c\u53ef\u5148\u95b1\u8b80\uff1a\u00a0<a href=/index.html"https:\/\/\/etf0050\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">ETF\u662f\u4ec0\u9ebc\uff1f<\/a><\/p>\n<blockquote><p>\u95dc\u65bc\u8cc7\u7522\u914d\u7f6e\uff0c\u53ef\u4ee5\u95b1\u8b80\uff1a<br \/>\n<a href=/index.html"https:\/\/\/four-percent-rule\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">1.\u8cc7\u91d1\u8a72\u6295\u8cc7\u5728\u90a3\u88e1\uff1f<\/a><br \/>\n<a href=/index.html"https:\/\/\/how-asset-allocation-1\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">2.\u4ec0\u9ebc\u662f\u8cc7\u7522\u914d\u7f6e\uff1f<\/a><br \/>\n<a href=/index.html"https:\/\/\/best-alloction-story\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">3.\u6709\u4e00\u500b\u6700\u4f73\u7684\u8cc7\u7522\u914d\u7f6e\u6295\u8cc7\u6bd4\u4f8b\u5206\u914d\u55ce\uff1f<\/a><\/p><\/blockquote>\n<p><span style=\"font-size: 20px;\"><strong>4. \u9054\u5230\u9000\u4f11\u91d1\u76ee\u6a19\u7684\u95dc\u9375\u56e0\u7d20\uff1a\u4e3b\u52d5(\u672c\u696d)\u6536\u5165<\/strong><\/span><\/p>\n<h3>\u4e3b\u52d5\u6536\u5165\u7684\u4f86\u6e90\u7a69\u5b9a\u4e14\u9577\u4e45<\/h3>\n<p>\u8981\u9054\u6210\u9000\u4f11\u91d1\u91d1\u984d\u524d\uff0c\u90a3\u9ebc\u7d2f\u7a4d\u8cc7\u91d1\u7684\u95dc\u9375\uff0c\u662f\u600e\u9ebc\u6a23\u589e\u52a0\u6536\u5165\uff0c\u6536\u5165\u4f86\u6e90\u53ef\u5206\u6210\uff1a<\/p>\n<ul>\n<li>\u4e3b\u52d5\u6536\u5165\uff1a\u64c1\u6709\u81ea\u5df2\u5c08\u696d\u5de5\u4f5c\u3001\u4e00\u6280\u4e4b\u9577\u63db\u53d6\u4f86\u7a69\u5b9a\u4e14\u78ba\u5b9a\u7684\u6536\u5165\uff0c\u98a8\u96aa\u4f4e\uff0c\u518d\u6295\u5165\u5fae\u8edf\u3001GOOGLE\u516c\u53f8\u2026\u7b49\u5927\u578b\u516c\u53f8\uff0c\u5831\u916c\u4e0d\u7b97\u9ad8\u4f46\u7a69\u5b9a\u3002<\/li>\n<li>\u88ab\u52d5\u6536\u5165\uff1a\u4e0d\u5c6c\u65bc\u81ea\u5df2\u53ef\u4ee5\u638c\u63e1\u7684\u7bc4\u570d\uff0c\u4e00\u822c\u4eba\u90fd\u60f3\u8981\u8b93\u81ea\u5df2\u6709\u6a5f\u6703\u8cfa\u5f97\u5feb\u3001\u8cfa\u7684\u591a\uff0c\u9078\u64c7\u6295\u8cc7\u5a03\u5a03\u6a5f\u3001\u81ea\u52a9\u6d17\u6a5f\u3001\u751a\u81f3\u5275\u696d\u5165\u80a1\u2026\u7b49\uff0c\u662f\u6709\u6a5f\u6703\u7372\u5f97\u597d\u7684\u5831\u916c\uff0c\u4ee3\u50f9\u662f\u627f\u64d4\u6536\u5165\u7684\u4e0d\u78ba\u5b9a\u6027\u3001\u66f4\u9ad8\u7684\u98a8\u96aa\uff0c\u6709\u53ef\u80fd\u6703\u9762\u81e8\u5e97\u5012\u4e86\uff0c\u6295\u5165\u8cc7\u91d1\u8840\u672c\u7121\u6b78\u3002<\/li>\n<\/ul>\n<p>\u540c\u6a23\u662f\u8981\u589e\u52a0\u6536\u5165\uff0c\u76f8\u8f03\u65bc\u6295\u5165\u5a03\u5a03\u6a5f\u3001\u5275\u696d\u5165\u80a1\uff0c\u900f\u904e\u4e3b\u52d5\u6536\u5165\u7d2f\u7a4d\u8cc7\u91d1\u518d\u8f49\u6295\u8cc7\u7684\u6548\u679c\u3001\u7a69\u5b9a\u5ea6\u9ad8\uff0c\u53ef\u662f\u96e3\u5ea6\u3001\u98a8\u96aa\u5ea6\u537b\u4f4e\u5f88\u591a\u3002<br \/>\n\u7562\u7adf20\u5e74\u5f8c\uff0c\u5fae\u8edf\u751f\u5b58\u4e0b\u4f86\u7684\u6a5f\u7387\u6703\u5927\u904e\u65bc\u5a03\u5a03\u6a5f\u3002<\/p>\n<p>\u56e0\u6b64\u5728\u9019\u500b\u968e\u6bb5\uff0c\u6211\u5011\u8981\u8ffd\u6c42\u7684\u6536\u5165\u65b9\u5f0f\uff0c\u8a72\u8003\u616e\u7684\u662f\u6703\u8b93\u6211\u5011\u80fd\u6709\u9577\u4e45\u6301\u7e8c\u4e14\u7a69\u5b9a\u7684\u4e3b\u52d5\u6536\u5165\uff0c\u800c\u4e0d\u662f\u8ffd\u6c42\u77ed\u671f\u9593\u80fd\u8cfa\u5f97\u5feb\u7684\u88ab\u52d5\u6536\u5165\u3002<\/p>\n<p>\u6703\u9078\u64c7Barista\u00a0 FIRE \u6a21\u5f0f\uff0c\u6709\u5169\u500b\u968e\u6bb5\uff1a<\/p>\n<h3>Barista\u00a0 FIRE \u7b2c\u4e00\u968e\u6bb5\uff1a\u4e0a\u73ed\u65cf\u6642\u671f<\/h3>\n<p>\u5728\u81ea\u5df2\u7684\u6536\u5165\u4f86\u6e90\u88e1\uff0c<strong>\u6700\u91cd\u8981\u7684\u5de5\u4f5c\u6536\u5165\u5c31\u5360\u670990%\u4ee5\u4e0a\uff0c\u6240\u4ee5\u5c08\u5fc3\u5728\u672c\u696d\u4e0a\uff0c\u722d\u53d6\u5347\u8077\u52a0\u85aa\u662f\u6700\u597d\u7684\u65b9\u5411<\/strong>\u3002<\/p>\n<p>\u9664\u4e86\u5728\u539f\u4f86\u7684\u5de5\u4f5c\u4e0a\u786c\u6280\u80fd\u8207\u8edf\u6280\u80fd\u6301\u7e8c\u7cbe\u9032\u5916\uff0c\u4e5f\u53ef\u63d0\u524d\u70ba\u672a\u4f86\u8077\u6daf\u767c\u5c55\u505a\u898f\u5283\uff0c\u50cf\u662f\u589e\u52a0\u8a9e\u6587\u80fd\u529b\u3001\u5b78\u7fd2\u76f8\u95dc\u9818\u57df\u7684\u65b0\u6280\u80fd\u3001\u9032\u4feeEMBA\u3002<\/p>\n<p>\u96d6\u7136\u964d\u4f4e\u4e86\u76ee\u6a19\u9000\u4f11\u91d1\uff0c\u4f46\u662f\u70ba\u4e86\u63d0\u65e9\u9000\u4f11\uff0c\u66f4\u61c9\u8a72\u5728\u9019\u500b\u6642\u671f\uff0c\u8cfa\u5230\u66f4\u591a\u7684\u9322\uff0c\u52aa\u529b\u5b58\u4e0b\u6108\u591a\u7684\u9000\u4f11\u91d1\uff0c\u7e2e\u77ed\u7576\u4e0a\u73ed\u65cf\u7684\u6642\u9593\u3002<\/p>\n<blockquote><p>\u95dc\u65bc\u5de5\u4f5c\u786c\u6280\u80fd\u8207\u8edf\u6280\u80fd\uff0c<br \/>\n\u8acb\u95b1\u8b80\uff1a<a href=/index.html"https:\/\/\/15-skills-increase-income\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u63d0\u9ad8\u6536\u5165\u65b9\u6cd5\u300b15\u500b\u5fc5\u5099\u7684\u786c\u6280\u80fd\u3001\u8edf\u6280\u80fd \u5e6b\u52a9\u589e\u52a0\u5de5\u4f5c\u6536\u5165<\/a><\/p><\/blockquote>\n<h3>Barista\u00a0 FIRE \u7b2c\u4e8c\u968e\u6bb5\uff1a\u517c\u8077\u6642\u671f<\/h3>\n<p>\u9078\u64c7\u81ea\u5df2\u559c\u6b61\u3001\u6c92\u6709\u58d3\u529b\u7684\u5de5\u4f5c\uff0c\u6b64\u6642\u671f\u7684\u91cd\u9ede\u662f\uff0c\u53ea\u8981\u517c\u8077\u85aa\u8cc7\u6536\u5165\u80fd\u5920\u79b0\u88dc\u9000\u4f11\u91d1\u7684\u7f3a\u53e3\u5c31\u884c\u3002<\/p>\n<p>\u517c\u8077\u6536\u5165\u8207\u6b63\u8077\u76f8\u6bd4\u53ef\u80fd\u5c11\u5f88\u591a\uff0c\u4f46\u4e3b\u8981\u5728\u65bc\u505a\u5f97\u958b\u5fc3\u3001\u4e14\u53ea\u9700\u5f4c\u88dc\u4e00\u5c0f\u90e8\u5206\u751f\u6d3b\u652f\u51fa\u5373\u53ef\u3002<\/p>\n<p><span style=\"font-size: 20px;\"><strong>5. \u52a0\u901f\u9054\u5230\u9000\u4f11\u91d1\u76ee\u6a19\u65b9\u6cd5\u4e00\uff1a\u7701\u9322<\/strong><\/span><\/p>\n<p>\u5728Barista FIRE\u7684\u6a21\u5f0f\u88e1\uff0c\u56e0\u70ba\u964d\u4f4e\u4e86\u539f\u5148\u9810\u5b9a\u7684\u9000\u4f11\u91d1\u76ee\u6a19\uff0c\u5728\u540c\u6a23\u7684\u689d\u4ef6\u4e0b\uff0c<br \/>\n\u53ea\u8981\u6c92\u6709\u904e\u5ea6\u751f\u6d3b\u65b9\u5f0f\u81a8\u8139\u3001\u5962\u83ef\u60c5\u6cc1\u767c\u751f\uff0c\u90fd\u80fd\u7dad\u6301\u539f\u5148\u6b63\u5e38\u7684\u6d88\u8cbb\u652f\u51fa\uff0c\u4e0d\u9700\u8981\u592a\u904e\u7bc0\u5109\u3002<\/p>\n<p>\u4f46\u82e5\u60f3\u6bd4\u9810\u671f\u6642\u9593\u9032\u5165\u9000\u4f11\uff0c\u90a3\u9ebc\u4f60\u53ef\u4ee5\u5f9e\u5982\u4f55\u7701\u4e0b\u66f4\u591a\u9322\uff0c\u5b58\u4e0b\u66f4\u591a\u9000\u4f11\u9322\u958b\u59cb\uff0c<\/p>\n<p>\u60f3\u4e86\u89e3\u66f4\u591a\u5982\u4f55\u7701\u9322\uff0c\u53ef\u4ee5\u95b1\u8b80\uff1a<\/p>\n<p>1. <a href=/index.html"https:\/\/\/how-saving-money-5\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u5982\u4f55\u5e6b\u4f60\u6bcf\u6708\u591a\u7701\u4e0b5%\u751f\u6d3b\u8cbb<\/a><br \/>\n2. <a href=/index.html"https:\/\/\/?p=24113&amp;preview=true\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">8\u62db\u7701\u4e0b\u505c\u8eca\u8cbb\u3001\u52a0\u6cb9\u8cbb\u3001\u5927\u773e\u904b\u8f38\u901a\u52e4\u8cbb<\/a><br \/>\n3. <a href=/index.html"https:\/\/\/fire-save-house-expense\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">15\u62db\u7701\u4e0b\u4f4f\u623f\u8cb8\u6b3e\u3001 \u7bc0\u7701\u79df\u91d1\u3001\u6c34\u96fb\u74e6\u65af\u8cbb<\/a><br \/>\n4. <a href=/index.html"https:\/\/\/?p=24165&amp;preview=true\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">10\u62db\u82b1\u5c0f\u9322\u53bb\u65c5\u884c\u7701\u4e0b\u4f4f\u5bbf\u8cbb\u3001\u4ea4\u901a\u8cbb\u3001\u6a5f\u7968\u8cbb(\u570b\u5167\/\u570b\u5916)<\/a><br \/>\n5.\u00a0 <a href=/index.html"https:\/\/\/?p=24160&amp;preview=true\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">7\u62db\u7701\u9322\u990a\u5c0f\u5b69 \u65b0\u751f\u5152\u3001\u5b78\u9f61\u524d\u3001\u5b78\u9f61&amp;\u9752\u5c11\u5e74\u7701\u9322\u80b2\u5152\u6cd5<\/a><\/p>\n<p><span style=\"font-size: 20px;\"><strong>6. \u52a0\u901f\u9054\u5230\u9000\u4f11\u91d1\u76ee\u6a19\u65b9\u6cd5\u4e8c\uff1a\u589e\u52a0\u88ab\u52d5\u6536\u5165<\/strong><\/span><\/p>\n<p>\u96d6\u7136\u9078\u64c7Barista FIRE \u6a21\u5f0f\uff0c\u4e3b\u8981\u7cbe\u529b\u90fd\u653e\u5728\u672c\u696d\u4e0a\uff0c\u4f46\u5728\u6709\u9918\u529b\u6642\uff0c\u4e5f\u53ef\u4ee5\u5b78\u7fd2\u5982\u4f55\u589e\u52a0\u88ab\u52d5\u6536\u5165\uff0c<br \/>\n\u597d\u8655\u662f\u8b93\u81ea\u5df2\u5728\u672a\u4f86\u6709\u6a5f\u6703\uff0c\u4e0d\u662f\u53ea\u6709\u55ae\u4e00\u6536\u5165\u4f86\u6e90\uff0c\u66f4\u53ef\u4ee5\u52a0\u901f\u8cc7\u91d1\u7684\u7d2f\u7a4d\uff0c\u65e9\u65e5\u9054\u6210\u9000\u4f11\u7684\u76ee\u6a19\u3002<\/p>\n<p>\u60f3\u4e86\u89e3\u66f4\u591a\u7684\u88ab\u52d5\u6536\u5165\uff0c\u53ef\u95b1\u8b80\uff1a<\/p>\n<p>1. <a href=/index.html"https:\/\/\/what-passive-invest\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u88ab\u52d5\u6295\u8cc7\u662f\u4ec0\u9ebc\uff1f\u548c\u4e3b\u52d5\u6295\u8cc7\u6709\u4ec0\u9ebc\u4e0d\u540c\uff1f<\/a><br \/>\n2. <a href=/index.html"https:\/\/\/43-2\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u8ca1\u52d9\u81ea\u7531\u8981\u600e\u9ebc\u505a\uff1f43\u7a2e\u80fd\u5275\u9020\u300c\u88ab\u52d5\u6536\u5165\u300d\u7684\u65b9\u6cd5\uff01<\/a><br \/>\n3. <a href=/index.html"https:\/\/\/make-passive-income-by-blog\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u7528\u90e8\u843d\u683c\u7db2\u7ad9\u5efa\u7acb\u88ab\u52d5\u6536\u5165\u76845\u500b\u6b65\u9a5f<\/a><\/p>\n<h2><span class=\"ez-toc-section\" id=\"Barista_FIRE%E5%AF%A6%E9%9A%9B%E5%9F%B7%E8%A1%8C%E6%A1%88%E4%BE%8B\"><\/span><strong>Barista FIRE\u5be6\u969b\u57f7\u884c\u6848\u4f8b<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>\u53f0\u7063\u5be6\u969b\u6848\u4f8b<\/p>\n<p>\u586b\u8868\u4eba\uff1aAmi\uff0f\u5973\u6027\u3000\u76ee\u524d\u5e74\u9f61\uff1a32 \u00a0 \u00a0 \u00a0 \u00a0 \u00a0 \u5bb6\u5ead\u72c0\u6cc1\uff1a\u592b\u59bb\u3001\u5169\u500b\u5c0f\u5b69\uff08\u7686\u672a\u6eff3\u6b72\uff09<\/p>\n<p>\u57f7\u884c\u6b65\u9a5f\uff1a<\/p>\n<p><span style=\"font-size: 16px;\"><strong>1. \u4e86\u89e3\u652f\u51fa\u8207\u6536\u5165\u7684\u8ca1\u52d9\u72c0\u6cc1\uff1a<\/strong><\/span><\/p>\n<p>\u689d\u4ef6\u8a2d\u5b9a\uff1a<\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">\u5bb6\u5ead\u5e74\u652f\u51fa\uff1a100\u842c\u5143<\/span><\/li>\n<li>\u9000\u4f11\u5f8c\u5e74\u6536\u5165\uff1a<span style=\"font-size: 16px;\">30\u842c\u5143<\/span><\/li>\n<li><span style=\"font-size: 16px;\">\u9810\u671f\u6bcf\u5e74\u6700\u591a\u53ef\u7528\u65bc\u6295\u8cc7\u8cc7\u91d150\u842c\uff0c\u76ee\u524d\u9664\u4e86\u7dca\u6025\u9810\u5099\u91d1\u548c\u4fdd\u96aa\u4ee5\u5916\uff0c\u670930\u842c\u5143\u5b58\u6b3e\u3002<\/span><\/li>\n<\/ul>\n<p><strong>2. <\/strong><strong>\u4f7f\u75284%\u6cd5\u5247\uff0c\u8a08\u7b97Barista FIRE\u8ca1\u52d9\u81ea\u7531\u9000\u4f11\u91d1<\/strong><\/p>\n<ul>\n<li><span style=\"font-size: 16px;\">\u9810\u671f\u9577\u671f\u6295\u8cc7\u5831\u916c\u73878%\u3001\u63d0\u9818\u73874%<\/span><\/li>\n<\/ul>\n<blockquote><p>\u8a08\u7b97\u51fa\u9700\u8981\u7684\u9000\u4f11\u91d1\uff1a100\u842c\u5143\u00d725\u00d770%=1750\u842c\u5143<\/p>\n<p>\u800c\u9032\u4e00\u6b65\u8a08\u7b97\uff0c<br \/>\n\u97608%\u5831\u916c\u7387\u9054\u5230\u9019\u500b\u76ee\u6a19\u6240\u9700\u898118.2\u5e74\u3002<\/p><\/blockquote>\n<p><strong>1750\u842c\u5143\uff0c\u5728\u5be6\u969b\u60c5\u6cc1\u88e1\uff0c\u5230\u5e95\u80fd\u4e0d\u80fd\u82b1\u7528\u5230\u6d3b\u8457\u7684\u6700\u5f8c\u4e00\u523b\u5462\uff1f<\/strong><\/p>\n<p>\u9577\u671f\u6295\u8cc7\u5831\u916c\u7387\u70ba6~8%\uff0c\u9060\u8d85\u904e\u63d0\u9818\u76844\uff05\uff0c\u9019\u7b461750\u842c\u5143\u5728\u958b\u59cb\u63d0\u9818\u5f8c\uff0c\u9084\u6703\u4ee5\u6bcf\u5e74\u7d042~3%\u8907\u5229\u6210\u9577\uff0c<br \/>\n\u5728\u6c92\u6709\u610f\u5916\u4e0b\uff0c\u53ef\u4ee5\u5f88\u6a02\u89c0\u7684\u57f7\u884c\u9019\u9805\u6c38\u7e8c\u63d0\u9818\u8a08\u5283\uff0c\u751a\u81f3\u5728\u767c\u73fe\u9322\u53ef\u80fd\u7528\u4e0d\u5b8c\u7684\u60c5\u6cc1\u6642\uff0c\u9084\u53ef\u80fd\u63d0\u9ad8\u63d0\u9818\u7387\u81f34.5\uff05\u30015\uff05\uff0c\u8b93\u751f\u6d3b\u904e\u7684\u66f4\u512a\u6e25\u3002<\/p>\n<p>\u8a08\u7b97\u5982\u4e0b\u8868\uff1a<a href=/index.html"https:\/\/docs.google.com\/spreadsheets\/d\/1kIRvE93f1MRS7rNAOIbsbDD0fLIFP7AI\/edit?usp=sharing&amp;ouid=102396572779029254986&amp;rtpof=true&amp;sd=true\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\">FIRE\u8a08\u7b97\u6a5f<\/a><\/p>\n<table style=\"width: 100%; height: 255px;\">\n<tbody>\n<tr>\n<td style=\"text-align: center; width: 99.0836%;\" colspan=\"3\"><span style=\"font-weight: 400;\">Barista<\/span><span style=\"font-weight: 400;\"> FIRE<\/span><b>\u8a08\u7b97\u8868<\/b><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 61.0538%;\"><span style=\"font-weight: 400;\">Barista FIRE <\/span><span style=\"font-weight: 400;\">\u00a0\u6bcf\u5e74\u6700\u591a\u53ef\u7528\u65bc\u6295\u8cc7\u8cc7\u91d1<\/span><\/td>\n<td style=\"width: 28.1787%; text-align: center;\"><span style=\"font-weight: 400;\">50<\/span><\/td>\n<td style=\"width: 9.85109%;\"><span style=\"font-weight: 400;\">\u842c\u5143<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 61.0538%;\"><span style=\"font-weight: 400;\">Barista<\/span> <span style=\"font-weight: 400;\">FIRE<\/span><span style=\"font-weight: 400;\"> \u5132\u84c4\u7387<\/span><\/td>\n<td style=\"width: 28.1787%; text-align: center;\"><span style=\"font-weight: 400;\">33.3%<\/span><\/td>\n<td style=\"width: 9.85109%;\"><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 61.0538%;\"><strong>Barista FIRE \u9810\u4f30\u9000\u4f11\u91d1\u9700\u6c42<\/strong><\/td>\n<td style=\"width: 28.1787%; text-align: center;\"><strong>1750<\/strong><\/td>\n<td style=\"width: 9.85109%;\"><strong>\u842c\u5143<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 61.0538%;\"><strong>Barista FIRE \u9054\u6a19\u6642\u9593<\/strong><\/td>\n<td style=\"width: 28.1787%; text-align: center;\"><strong>18.2<\/strong><\/td>\n<td style=\"width: 9.85109%;\"><strong>\u5e74<\/strong><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 61.0538%;\"><span style=\"font-weight: 400;\">Barista <\/span><span style=\"font-weight: 400;\">FIRE<\/span><span style=\"font-weight: 400;\"> \u9054\u6a19\u5e74\u9f61<\/span><\/td>\n<td style=\"width: 28.1787%; text-align: center;\"><span style=\"font-weight: 400;\">50.2<\/span><\/td>\n<td style=\"width: 9.85109%;\"><span style=\"font-weight: 400;\">\u6b72<\/span><\/td>\n<\/tr>\n<tr>\n<td style=\"width: 100%; text-align: right;\" colspan=\"3\"><span style=\"font-weight: 400;\">\u8cc7\u6599\u6574\u7406\uff1a<a href=/index.html"https:\/\/\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Mr.Market\u5e02\u5834\u5148\u751f<\/a><\/span><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n<p><strong>3. \u8cc7\u91d1\u61c9\u8a72\u6295\u8cc7\u5728\u54ea\uff0c\u4f86\u9054\u6210\u9000\u4f11\u91d1\u76ee\u6a19\uff1a<\/strong><\/p>\n<p>\u6211\u5011\u900f\u904e\u4e0a\u9762\u6b65\u9a5f\uff0c\u78ba\u8a8d\u76ee\u6a19\u91d1\u984d\u662f\u5408\u7406\u4e14\u53ef\u4ee5\u9054\u6210\uff0c\u63a5\u4e0b\u4f86\u5c31\u662f\u900f\u904eETF\u6295\u8cc7\u5de5\u5177\u505a\u8cc7\u7522\u914d\u7f6e\u7d44\u5408\u3002<\/p>\n<p>\u800c\u70ba\u4e86\u6e90\u6e90\u4e0d\u7d55\u7684\u73fe\u91d1\u6d41\uff0c\u4e26\u4e14\u9577\u671f\u6295\u8cc7\u5831\u916c\u7387\u9ad8\u65bc4%\uff0c\u53d6\u6c7a\u65bc\u5728\u6295\u8cc7\u7d44\u5408\u4e2d\uff0c\u4f60\u8cb7\u4e86\u4ec0\u9ebc\uff0c<\/p>\n<p>Barista FIRE\u65cf\u7fa4\uff0c<strong>\u9069\u5408\u4ee5\u7a69\u5065\u6210\u9577\u7684\u8cc7\u7522\u914d\u7f6e\u7d44\u5408<\/strong>\uff0c\u4f8b\u5982\u4ee550%\u80a1\u7968\uff0b50%\u50b5\u5238\u7684\u6295\u8cc7\u7d44\u5408\uff0c<\/p>\n<p><strong>\u5e02\u5834\u5148\u751f\u505a\u4e86\u4e00\u980520\u5e74\u9577\u671fETF\u8cc7\u7522\u914d\u7f6e\u8a08\u756b\u5982\u4e0b\uff1a<\/strong><\/p>\n<p>\u76ee\u6a19\uff1a\u8cc7\u7522\u4ee5\u7b26\u5408\u5e02\u5834\u5831\u916c\u7684\u6578\u5b57\u7a69\u5b9a\u7684\u6210\u9577<\/p>\n<p>\u671f\u9593\uff1a20\u5e74(2019-2039)<\/p>\n<p>\u91d1\u984d\uff1a\u4e0d\u5b9a\u671f\u4e0d\u5b9a\u984d\uff0c\u5e73\u5747\u6bcf\u6708\u6301\u7e8c\u6295\u5165$1000~$2000USD<\/p>\n<p>\u7b56\u7565\uff1a\u4e3b\u8981\u662f\u80a1\u7968ETF+\u50b5\u5238ETF+\u5c11\u91cf\u5546\u54c1\u7684<strong><a href=/index.html"https:\/\/\/how-asset-allocation-1\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">\u7a69\u5065\u8cc7\u7522\u914d\u7f6e\u7b56\u7565<\/a><\/strong><\/p>\n<blockquote><p>\u60f3\u4e86\u89e3\u66f4\u591a\u4e0d\u540c\u7684\u8cc7\u7522\u914d\u7f6e\uff0c\u53ef\u95b1\u8b80\uff1a<br \/>\n<a href=/index.html"https:\/\/\/what-is-permanent-portfolio-0\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">1. \u6c38\u4e45\u6295\u8cc7\u7d44\u5408\u662f\u4ec0\u9ebc(Permanent Portfolio)\uff1f<\/a><a href=/index.html"https:\/\/\/what-is-permanent-portfolio-0\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><a href=/index.html"https:\/\/\/core-4-asset-alloctions-0\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">2. \u83ef\u723e\u8857\u5c08\u5bb6\u6559\u4f605\u500b\u8cc7\u7522\u914d\u7f6e\u6b65\u9a5f\uff0c\u517124\u7a2e\u6295\u8cc7\u7d44\u5408\u5927\u516c\u958b<\/a><a href=/index.html"https:\/\/\/what-is-permanent-portfolio-0\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><a href=/index.html"https:\/\/\/core-4-asset-alloctions-back-test\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">3. \u83ef\u723e\u8857\u6295\u8cc7\u9867\u554f24\u7a2e\u6295\u8cc7\u7d44\u5408\uff0c\u904e\u53bb\u7e3e\u6548\u5be6\u6e2c\u5b8c\u5168\u89e3\u6790<\/a><a href=/index.html"https:\/\/\/what-is-permanent-portfolio-0\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><a href=/index.html"https:\/\/\/what-asset-rebalancing\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">4. \u8cc7\u7522\u914d\u7f6e\u7684\u300c\u518d\u5e73\u8861\u300d\u662f\u4ec0\u9ebc\u610f\u601d\uff1f<\/a><\/p><\/blockquote>\n<h2><span class=\"ez-toc-section\" id=\"Barista_FIRE%E7%9A%84%E5%84%AA%E9%BB%9E%E8%88%87%E7%BC%BA%E9%BB%9E\"><\/span><strong>Barista FIRE\u7684\u512a\u9ede\u8207\u7f3a\u9ede<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 20px;\"><strong>Barista FIRE <\/strong><\/span><strong><span style=\"font-size: 20px;\">\u512a\u9ede<\/span><\/strong><\/p>\n<p>1. \u53ef\u4ee5<strong>\u63d0\u65e9\u904e\u9000\u4f11\u751f\u6d3b<\/strong>\uff0c\u56e0\u70ba\u53ea\u9700\u6e96\u5099\u90e8\u4efd\u9000\u4f11\u91d1\u3002<\/p>\n<p>2. \u8f49\u70ba\u517c\u8077\u6216\u662f\u8f03\u70ba\u8f15\u9b06\u3001\u6709\u8208\u8da3\u7684\u5de5\u4f5c\uff0c\u53ef<strong>\u4eab\u6709\u96c7\u4e3b\u63d0\u4f9b\u7684\u52de\u5065\u4fdd\u3001\u52de\u9000\u3001\u54e1\u5de5\u798f\u5229<\/strong>\u3002<\/p>\n<p>3. \u8f03\u8077\u5834\u751f\u6d3b\uff0c<strong>\u6613\u7372\u5f97\u8eab\u5fc3\u5065\u5eb7<\/strong>\uff0c\u56e0\u70ba\u65e9\u65e9\u5c31\u9060\u96e2\u5de5\u4f5c\u5e36\u4f86\u7684\u58d3\u529b\u3002<\/p>\n<p>4. \u82e5\u662fRaguler FIRE\u8a08\u7b97\u51fa\u7684\u9000\u4f11\u91d1\u984d\uff0c\u662f\u4e00\u822c\u570b\u5916\u5927\u773e\uff0c\u5728\u7d93\u9a57\u6cd5\u5247\u4e0b\uff0c\u8a8d\u70ba\u6709<strong>\u5f88\u9ad8\u6210\u529f\u7387\u57f7\u884cFIRE\u7684\u6578\u5b57<\/strong>\uff0c\u90a3\u9ebc\uff0cBarista FIRE\u662f\u4ee5\u5b83\u70ba\u57fa\u6e96\uff0c\u6210\u529f\u7387\u7576\u7136\u4e5f\u504f\u9ad8\u3002<\/p>\n<p>5. \u63d0\u4f9b\u4e86\u6709\u7528\u7684\u898f\u5283\u85cd\u5716\uff08\u8acb\u770b\u4e0a\u9762\u5be6\u969b\u6848\u4f8b\uff09\uff1a<\/p>\n<ul>\n<li>\u6709\u5177\u9ad4\u660e\u78ba\u76ee\u6a19\uff0c\u300e\u9000\u4f11\u91d11750\u842c\u5143\u300f\uff0c\u5c31\u662f\u4e00\u500b\u76f8\u7576\u6e05\u6670\u53ef\u5408\u7406\u9054\u6210\u7684\u76ee\u6a19\u3002<\/li>\n<li>\u6709\u76ee\u6a19\u8a2d\u5b9a\u7684\u6642\u9593\u9650\u5236\uff0c\u300e\u9054\u6210\u76ee\u6a19\u6642\u959318.2\u5e74\u300f\uff0c\u5f88\u6e05\u695a\u7684\u6642\u9593\u9650\u5236\uff0c\u624d\u6703\u6709\u66f4\u9ad8\u7684\u6a5f\u7387\u4f86\u5b8c\u6210\u3002<\/li>\n<li>\u6709\u5b78\u7fd2\u6210\u9577\u6548\u679c\uff0c\u70ba\u4e86\u8b93\u6295\u8cc7\u5831\u916c\u7387\u63d0\u5347\uff0c\u5c31\u8981\u4e0d\u65b7\u5b78\u7fd2\u5404\u9805\u6295\u8cc7\u5de5\u5177\uff0c\u505a\u9069\u5408\u7684\u8cc7\u7522\u914d\u7f6e\u7d44\u5408\u3002<\/li>\n<\/ul>\n<p><strong><span style=\"font-size: 20px;\">Barista FIRE \u7f3a\u9ede<\/span><\/strong><\/p>\n<p>1 . \u82e5<strong>\u7d93\u6fdf\u6536\u5165\u72c0\u6cc1\u7a81\u7136\u8f49\u5dee\u6216\u964d\u4f4e<\/strong>\uff0c\u5c31\u4e0d\u80fd\u6309\u7167\u898f\u5283\uff0c\u4f86\u57f7\u884c\u9000\u4f11\u57fa\u91d1\u7684\u8a08\u5283\u3002<\/p>\n<p>2. \u56e0\u70ba\u964d\u4f4e\u4e86\u539f\u5148\u9810\u5b9a\u7684\u9000\u4f11\u91d1\u76ee\u6a19\uff0c<strong>\u9700\u6539\u8b8a\u7684\u662f\u539f\u4f86\u7684\u751f\u6d3b\u6d88\u8cbb\uff0c\u904e\u4e0a\u8f03\u7bc0\u5109\u7684\u751f\u6d3b<\/strong>\u3002<\/p>\n<p>3. <strong>\u9000\u4f11\u91d1\u7684\u7f3a\u53e3\uff0c\u9700\u4f9d\u9760\u517c\u8077\u6536\u5165\u4f86\u79b0\u88dc<\/strong>\uff0c\u800c\u9000\u4f11\u5f8c\u7684\u5c31\u696d\u5e02\u5834\u7684\u4e0d\u78ba\u5b9a\u6027\u9ad8\uff0c\u7576\u6642\u7684\u8eab\u9ad4\u72c0\u6cc1\u662f\u5426\u9069\u5408\u5de5\u4f5c\uff0c\u90fd\u662f\u7121\u6cd5\u9810\u6599\u3002<\/p>\n<h2><span class=\"ez-toc-section\" id=\"%E5%B0%8E%E8%87%B4Barista_FIRE%E5%A4%B1%E6%95%97%E7%9A%84%E4%B8%8D%E7%A2%BA%E5%AE%9A%E5%9B%A0%E7%B4%A0\"><\/span><strong>\u5c0e\u81f4Barista FIRE\u5931\u6557\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p><span style=\"font-size: 20px;\"><strong>\u95dc\u65bc\u6295\u8cc7\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20<\/strong><\/span><\/p>\n<ul>\n<li>\u7d93\u6fdf\u6536\u5165\u72c0\u6cc1\u7a81\u7136\u8f49\u5dee\u6216\u964d\u4f4e\u3002<\/li>\n<li>\u901a\u8ca8\u81a8\u8139\u7684\u6025\u907d\u5347\u964d\u3002<\/li>\n<li>\u6295\u8cc7\u6210\u679c\u4e0d\u7b26\u9810\u671f\u3002<\/li>\n<\/ul>\n<p><span style=\"font-size: 20px;\"><strong>\u95dc\u65bc\u975e\u6295\u8cc7\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20<\/strong><\/span><\/p>\n<ul>\n<li>\u5b58\u9322\u3001\u7701\u9322\u81ea\u6211\u7ba1\u7406\u96e3\u5ea6\u9ad8\u3002<\/li>\n<li>\u300e\u6d3b\u592a\u4e45\u300f\u7684\u9577\u58fd\u98a8\u96aa\u3002<\/li>\n<li>\u7121\u6cd5\u9810\u671f\u7684\u7a81\u767c\u4e8b\u4ef6\u3002<\/li>\n<li>\u4f60\u7684\u9700\u6c42\u53ef\u80fd\u56e0\u70ba\u67d0\u9805\u56e0\u7d20\u800c\u6539\u8b8a\u3002<\/li>\n<li>\u4ee5\u76ee\u524d\u7576\u4e0b\u751f\u6d3b\u7684\u72c0\u6cc1\u53bb\u9032\u884c\u9000\u4f11\u63a8\u6e2c\uff0c\u4f46\u4e0d\u8b8a\u7684\u53ef\u80fd\u6027\u5f88\u4f4e\u3002<\/li>\n<li>\u9000\u4f11\u5f8c\u7684\u517c\u8077\u6536\u5165\u4e0d\u78ba\u5b9a\u6027\u9ad8\u3002<\/li>\n<li>\u81ea\u8eab\u5065\u5eb7\u56e0\u7d20\u5f71\u97ff\u5f8c\u7e8c\u6536\u5165\u3002<\/li>\n<\/ul>\n<p>FIRE\u8a08\u5283\uff0c\u8b93\u8ffd\u6c42\u8ca1\u52d9\u7368\u7acb\u81ea\u7531\u7684\u4eba\uff0c\u53ef\u4ee5\u5408\u7406\u8a08\u7b97\u51fa\u9000\u4f11\u91d1\u984d\u3001\u9000\u4f11\u6642\u9593\uff0c\u7121\u6cd5\u8a08\u7b97\u51fa\u7684\u662f\u98a8\u96aa\u548c\u610f\u5916\uff0c<br \/>\n\u60f3\u8981\u907f\u514d\u4ee5\u4e0a\u9019\u4e9b\u6703\u5c0e\u81f4\u5931\u6557\u7684\u4e0d\u78ba\u5b9a\u56e0\u7d20\uff0c\u4f60\u53ef\u4ee5\u505a\u7684\u662f\uff0c<\/p>\n<ol>\n<li>\u964d\u4f4e\u63d0\u9818\u7387\u5f9e4%\u964d\u81f33.5% \u3001 3%\uff0c\u53ef\u4ee5\u8b93\u6c38\u7e8c\u63d0\u9818\u5931\u6557\u7684\u6a5f\u7387\u5927\u5e45\u964d\u4f4e\u3002<\/li>\n<li>\u6e96\u5099\u66f4\u591a\u8cc7\u91d1\uff0c\u628a\u81ea\u5df2\u672a\u4f86\u652f\u51fa\u9ad8\u4f30\u3002<\/li>\n<li>\u00a0\u5982\u679c\u98a8\u96aa\u627f\u64d4\u80fd\u529b\u5141\u8a31\uff0c\u5c07\u50b5\u5238\u8cc7\u7522\u914d\u7f6e\u6bd4\u7387\u964d\u4f4e\u4e00\u4e9b\uff0c\u627f\u64d4\u66f4\u591a\u98a8\u96aa\uff0c\u6709\u6a5f\u6703\u63d0\u9ad8\u5831\u916c\u7387\u3002<\/li>\n<\/ol>\n<h2><span class=\"ez-toc-section\" id=\"%E7%B8%BD%E7%B5%90%EF%BC%9ABarista_FIRE%E7%B5%90%E5%90%88%E4%BA%86%E5%85%BC%E8%81%B7%E5%B7%A5%E4%BD%9C%E7%9A%84%E5%A5%BD%E8%99%95%E5%92%8C%E9%80%80%E4%BC%91%E7%9A%84%E8%87%AA%E7%94%B1\"><\/span><strong>\u7e3d\u7d50\uff1aBarista FIRE\u7d50\u5408\u4e86\u517c\u8077\u5de5\u4f5c\u7684\u597d\u8655\u548c\u9000\u4f11\u7684\u81ea\u7531<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Barista FIRE\u662f\u6539\u826f\u7248\u3001\u4f4e\u968e\u7248\u7684Regular FIRE\uff0c\u53ef\u4ee5\u66f4\u5feb\u5be6\u73fe\u7d93\u6fdf\u7368\u7acb\uff0c\u63d0\u65e9\u9000\u4f11\uff0c<br \/>\n<strong>\u9700\u7559\u610f\u7684\u662f\uff0c\u56e0\u70ba\u964d\u4f4e\u4e86\u9000\u4f11\u91d1\u9580\u6abb\uff0c\u5728\u5373\u5c07\u9000\u4f11\u524d\uff0c\u4e5f\u5fc5\u9700\u627e\u597d\u80fd\u5920\u8ca0\u8377\u9000\u4f11\u91d1\u7f3a\u53e3\u3001\u559c\u611b\u7684\u517c\u8077\u5de5\u4f5c<\/strong>\u3002<\/p>\n<p>\u9078\u64c7Barista FIRE\u6703\u5e36\u4f86\u5728\u9000\u4f11\u671f\u9593\uff0c\u611f\u5230\u751f\u6d3b\u4e2d\u7684\u71b1\u60c5\u6295\u5165\u548c\u6d3b\u8e8d\uff0c\u56e0\u70ba\u517c\u8077\u505a\u6211\u5011\u559c\u6b61\u3001\u6709\u610f\u7fa9\u7684\u4e8b\u60c5\u4e26\u5e36\u4f86\u6536\u5165\u3002<br \/>\n\u5982\u679c\u80fd\u63d0\u65e9\u767c\u73fe\u81ea\u5df2\u7684\u8208\u8da3\uff0c\u4e26\u4e14\u5df2\u7d93\u8457\u624b\u9032\u884c\u4e86\uff0cBarista FIRE\u9019\u6a23\u7684\u6a21\u5f0f\uff0c\u5c31\u662f\u4e00\u500b\u540c\u6b65\u8003\u616e\u751f\u6d3b\u8208\u8da3\u8207\u8ca1\u52d9\u5b89\u5168\u7684\u8a08\u756b\u3002<\/p>\n<p>\u5e02\u5834\u5148\u751f\u7684\u770b\u6cd5\u662f\uff0c\u96d6\u7136\u6211\u8a8d\u70baBarista FIRE\u53ef\u884c\uff0c\u4e14\u4fdd\u6709\u66f4\u591a\u751f\u6d3b\u7684\u5f48\u6027\u548c\u6a02\u8da3\uff0c<br \/>\n\u4f46\u5728\u53f0\u7063\u4e26\u4e0d\u4e00\u5b9a\u9069\u7528\uff0c\u4e3b\u8981\u662f\u53f0\u7063\u7684\u57fa\u672c\u6642\u85aa\u5de5\u4f5c\u4e26\u4e0d\u7b97\u9ad8\uff0c\u4e14\u9ad4\u529b\u3001\u5065\u5eb7\u3001\u666f\u6c23\u7b49\u56e0\u7d20\uff0c\u90fd\u4e0d\u4e00\u5b9a\u78ba\u4fdd\u6211\u5011\u9000\u4f11\u5f8c\u4ecd\u80fd\u9577\u671f\u517c\u8077\uff0c<\/p>\n<p>\u6211\u6703\u5efa\u8b70\u300c\u907f\u514d\u6bcf\u4ef6\u4e8b\u90fd\u7b97\u7684\u525b\u525b\u597d\u300d\uff0c\u95dc\u9375\u662f\u505a\u4efb\u4f55\u8a55\u4f30\u6642\uff0c\u90fd\u4fdd\u7559\u4e00\u4e9b\u9918\u88d5\u3002<\/p>\n<blockquote><p>\u6700\u5f8c\uff0c\u7279\u5225\u63d0\u9192\uff0c\u9664\u4e86\u81ea\u884c\u898f\u5283FIRE\u5916\uff0c\u9084\u6709\u5176\u4ed6\u653f\u5e9c\u6240\u63d0\u4f9b\u7684\u9000\u4f11\u91d1\u653f\u7b56\uff0c\u4f60\u4e5f\u53ef\u4ee5\u7d0d\u5165\u8003\u91cf\uff1a<\/p>\n<p><a href=/index.html"https:\/\/\/dif-retire-insurance\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">1. \u52de\u4fdd\u8207\u52de\u9000<\/a><a href=/index.html"https:\/\/\/dif-retire-insurance\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><a href=/index.html"https:\/\/\/national-pension-1\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">2. \u570b\u6c11\u5e74\u91d1<\/a><a href=/index.html"https:\/\/\/dif-retire-insurance\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\"><br \/>\n<\/a><a href=/index.html"https:\/\/\/401k-401k-plan\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">3. 401K\u9000\u4f11\u5132\u84c4\u8a08\u756b<\/a><\/p><\/blockquote>\n<p>\u9664\u4e86Barista FIRE\u4e4b\u5916\uff0c\u9084\u60f3\u4e86\u89e3FIRE\u904b\u52d5\u662f\u4ec0\u9ebc\u53ca\u5176\u4ed64\u7a2e FIRE \u9000\u4f11\u898f\u5283\uff0c\u4f60\u53ef\u95b1\u8b80\uff1a<\/p>\n<table dir=\"ltr\" style=\"width: 100%; height: 238px;\" border=\"1\" cellspacing=\"0\" cellpadding=\"0\">\n<colgroup>\n<col width=\"100\" \/>\n<col width=\"313\" \/><\/colgroup>\n<tbody>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 99.7416%;\" colspan=\"2\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;FIRE\u904b\u52d5&quot;}\" data-sheets-hyperlink=\"https:\/\/\/fire-5-types\/\">\n<h3><a href=/index.html"https:\/\/\/fire-5-types\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">FIRE\u904b\u52d5\u76845\u7a2e\u8a08\u756b\u65b9\u5f0f<\/a><\/h3>\n<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Regular FIRE&quot;}\"><strong>FIRE \u8a08\u756b\u6a21\u5f0f<\/strong><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283&quot;}\"><strong>\u6a21\u5f0f\u7279\u6027\u8aaa\u660e<\/strong><\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Regular FIRE&quot;}\"><a href=/index.html"https:\/\/\/regular-fire\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Regular FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283&quot;}\">\u9069\u7528\u5927\u591a\u6578\u4eba\u7684\u9000\u4f11\u898f\u5283<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Lean FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/lean-fire\/\"><a href=/index.html"https:\/\/\/lean-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Lean FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u6975\u7aef\u7bc0\u7701\u53ea\u60f3\u76e1\u5feb\u9032\u5165\u9000\u4f11\u751f\u6d3b&quot;}\">\u6975\u7aef\u7bc0\u7701\u53ea\u60f3\u76e1\u5feb\u9032\u5165\u9000\u4f11\u751f\u6d3b<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Fat FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/fat-fire\/\"><a href=/index.html"https:\/\/\/fat-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Fat FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u8ffd\u6c42\u8457\u8212\u9069\u5962\u4f88\u4e0d\u8003\u616e\u9322\u7684\u9000\u4f11\u751f\u6d3b&quot;}\">\u8ffd\u6c42\u8457\u8212\u9069\u5962\u4f88\u4e0d\u8003\u616e\u9322\u7684\u9000\u4f11\u751f\u6d3b<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Barista FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/barista-fire\/\"><a href=/index.html"https:\/\/\/barista-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Barista FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u8ffd\u6c42\u8457\u517c\u8077\u63db\u53d6\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c&quot;}\">\u8ffd\u6c42\u8457\u517c\u8077\u63db\u53d6\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c<\/td>\n<\/tr>\n<tr style=\"height: 27px;\">\n<td style=\"text-align: center; width: 24.2033%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;Coast FIRE&quot;}\" data-sheets-hyperlink=\"https:\/\/\/coast-fire\/\"><a href=/index.html"https:\/\/\/coast-fire\/\" target=\"_blank\" rel=\"noopener noreferrer\" data-wpel-link=\"internal\">Coast FIRE<\/a><\/td>\n<td style=\"text-align: center; width: 75.5383%;\" data-sheets-value=\"{&quot;1&quot;:2,&quot;2&quot;:&quot;\u53ef\u4ee5\u4e0d\u7528\u4e00\u76f4\u7bc0\u5109\u4e0d\u7528\u63d0\u65e9\u9000\u4f11&quot;}\">\u53ef\u4ee5\u4e0d\u7528\u4e00\u76f4\u7bc0\u5109\u4e0d\u7528\u63d0\u65e9\u9000\u4f11<\/td>\n<\/tr>\n<tr>\n<td style=\"width: 99.7416%; text-align: right;\" colspan=\"2\">\u8cc7\u6599\u6574\u7406\uff1a<a href=/index.html"https:\/\/\/\" data-wpel-link=\"internal\" target=\"_blank\" rel=\"noopener noreferrer\">Mr.Market\u5e02\u5834\u5148\u751f<\/a><\/td>\n<\/tr>\n<\/tbody>\n<\/table>\n\u7de8\u8f2f\uff1aSammi \u4e3b\u7de8\uff1a\u5e02\u5834\u5148\u751f\n<p><strong><span style=\"font-size: 20px;\">\u52a0\u5165\u5e02\u5834\u5148\u751fFB\u793e\u5718\uff0c\u5145\u5be6\u66f4\u591a\u7406\u8ca1\u597d\u77e5\u8b58<\/span><\/strong><\/p>\r\n<p>50\u6b72\u4e4b\u524d\u60f3\u9000\u4f11\u4e00\u5b9a\u8981\u61c2\u7406\u8ca1\uff0c<br \/>\u89e3\u6c7a\u6295\u8cc7\u7684\u7169\u60f1\uff01<\/p>\r\n<p><a href=/index.html"https:\/\/bit.ly\/2NTBOAv\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\"><img decoding=\"async\" class=\"alignnone size-full wp-image-7106\" src=/index.html"https:\/\/\/wp-content\/uploads\/20190824195036_69.gif\" alt=\"\" width=\"687\" height=\"243\" \/><\/a><\/p>\r\n<p>\u6700\u8fd1\u5e02\u5834\u5148\u751f\u958b\u4e86\u4e00\u5802\u7684\u300c<strong>\u7528\u7f8e\u80a1ETF\u5275\u9020\u7a69\u5b9a\u73fe\u91d1\u6d41<\/strong>\u300d\u6559\u5b78\u8ab2\u7a0b\uff0c<br \/>\u9019\u5802\u8ab2\u7a0b\u6703\u5f9e\u57fa\u790e\u5165\u9580\u3001\u8cc7\u6599\u67e5\u8a62\u5230\u5be6\u969b\u64cd\u4f5c\uff0c<br \/>\u6559\u4f60\u5b78\u6703\u5efa\u7acb\u4e00\u500b\u7a69\u5b9a\u7684\u5168\u7403ETF\u6295\u8cc7\u7d44\u5408\uff0c\u76ee\u524d\u7d2f\u7a4d\u5df2\u7d93\u6709\u5c07\u8fd11100\u4f4d\u540c\u5b78\u4e0a\u8ab2\u3002<\/p>\r\n<p>\u7dda\u4e0a\u8ab2\u7a0b\u300b<a href=/index.html"http:\/\/bit.ly\/2FV3hPc\" target=\"_blank\" rel=\"noopener nofollow\" data-wpel-link=\"external\">\u7f8e\u80a1ETF\u5275\u9020\u7a69\u5b9a\u73fe\u91d1\u6d41\u7dda\u4e0a\u8ab2\u7a0b\u9023\u7d50<\/a><\/p>\n<p><br \/><strong><span style=\"color: #ff0000;\">\u5982\u679c\u89ba\u5f97\u9019\u7bc7\u6587\u7ae0\u6709\u5e6b\u52a9\uff0c<\/span><\/strong><br \/><strong><span style=\"color: #ff0000;\">\u5e6b\u6211\u6309\u500b\u8b9a\uff0c\u5206\u4eab\u7d66\u66f4\u591a\u4eba\u770b\u5230\uff0c\u8b1d\u8b1d\uff01<\/span><\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Barista \u00a0 FIRE\u9069\u5408\u60f3\u5118\u65e9\u812b\u96e2\u671d\u4e5d\u665a\u4e94\u5de5\u4f5c\uff0c\u9000\u4f11\u5f8c\u4ecd\u9858\u610f\u517c\u8077\u5de5\u4f5c\u7684\u4eba\uff0c \u53ea\u8981\u80fd\u7dad\u6301\u57fa\u672c\u751f\u6d3b\u6240\u9700\u7684\u6536 [&hellip;]<\/p>\n","protected":false},"author":7,"featured_media":34576,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_lmt_disableupdate":"no","_lmt_disable":"no","footnotes":""},"categories":[147,1508],"tags":[1605,1611],"table_tags":[],"modified_by":"eden","jetpack_sharing_enabled":true,"jetpack_featured_media_url":"https:\/\/\/wp-content\/uploads\/20220408175301_71.jpg","jetpack-related-posts":[{"id":25510,"url":"https:\/\/\/fire-5-types\/","url_meta":{"origin":25493,"position":0},"title":"FIRE \u8ca1\u5bcc\u81ea\u7531 \u61f6\u4eba\u5305\uff1a\u4f60\u9069\u5408\u54ea\u4e00\u7a2eFIRE\u8ca1\u5bcc\u81ea\u7531\u6a21\u5f0f\uff1f","author":"Sammi","date":"2022-10-01","format":false,"excerpt":"FIRE \u904b\u52d5\u662f\u8fd1\u5e74\u4f86\u5728\u570b\u5916\u5f88\u6d41\u884c\u7684\u4e00\u7a2e\u65b0\u7a4e\u89c0\u5ff5\uff0c\u76f8\u8f03\u65bc\u65e9\u671f\u8981\u4e0d\u65b7\u3001\u4e0d\u65b7\u5de5\u4f5c\u76f4\u5230\u6cd5\u5b9a\u9000\u4f11\u5e74\u7d00\uff0c \u6216\u662f\u2026","rel":"","context":"\u5728\u300cFIRE\u8207\u8ca1\u5bcc\u81ea\u7531\u300d\u4e2d","block_context":{"text":"FIRE\u8207\u8ca1\u5bcc\u81ea\u7531","link":"https:\/\/\/category\/personal-financial-planning\/cashflow\/"},"img":{"alt_text":"\u8ca1\u5bcc\u81ea\u7531","src":"https:\/\/i0.wp.com\/\/wp-content\/uploads\/20230614112245_94.jpg?resize=350%2C200&ssl=1","width":350,"height":200,"srcset":"https:\/\/i0.wp.com\/\/wp-content\/uploads\/20230614112245_94.jpg?resize=350%2C200&ssl=1 1x, https:\/\/i0.wp.com\/\/wp-content\/uploads\/20230614112245_94.jpg?resize=525%2C300&ssl=1 1.5x, https:\/\/i0.wp.com\/\/wp-content\/uploads\/20230614112245_94.jpg?resize=700%2C400&ssl=1 2x"},"classes":[]},{"id":57130,"url":"https:\/\/\/small-barista-fire\/","url_meta":{"origin":25493,"position":1},"title":"\u300a\u534a\u5de5\u4f5c\u534a\u9000\u4f11\u7684\u5faeFIRE\u7406\u8ca1\u8a08\u756b\u300b\u8b80\u66f8\u7b46\u8a18\uff1a\u8ffd\u6c42\u7684\u4e0d\u662f\u66f4\u65e9\u9000\u4f11\uff0c\u800c\u662f\u66f4\u5927\u7684\u5bb9\u932f\u7a7a\u9593","author":"Sammi","date":"2023-08-24","format":false,"excerpt":"\u9019\u662f\u4e00\u672c\u6709\u5225\u65bc\u4ee5\u5f80FIRE(\u8ca1\u52d9\u7368\u7acb\u4e14\u63d0\u65e9\u9000\u4f11)\u89c0\u5ff5\u7684\u66f8\u7c4d\uff0c 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