Karyawan Ini Berhasil Bebas Finansial
Raditya Dika・43 minutes read
Financial freedom achieved by Samuel Rey at age 33 through the FIRE movement, emphasizing saving, frugal living, and tracking financial progress with Excel, complemented by content creation for additional income. Retiring early required meticulous financial management, shared financial goals, communication, and compromise, leading to a focus on family life over career ambitions.
Insights
- The FIRE movement, which led Samuel Rey to achieve financial freedom at 33, involves saving a significant amount to retire early by having 25 times one's annual expenses, emphasizing stability over lavish lifestyle changes.
- Transitioning from a structured work environment to retirement involves finding new purpose, balancing family responsibilities, and exploring entrepreneurial ventures in different countries, highlighting the importance of setting new goals and simplifying post-retirement life through frugal living and financial planning for future generations.
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Recent questions
What is the FIRE movement?
A financial independence strategy to retire early.
How can I achieve financial independence?
By saving, investing, and living frugally.
What are the benefits of tracking net worth?
Provides insight into financial progress and goals.
How can I balance career and family responsibilities?
By prioritizing communication and compromise.
What are some tips for managing finances effectively?
Create systems, avoid impulsive spending, and plan meticulously.
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Summary
00:00
"Financial Freedom Achieved Through FIRE Movement"
- Financial freedom achieved by Samuel Rey at age 33 through the FIRE movement, which stands for Financial Independence, Retire Early.
- The FIRE movement originated in the US with software engineers who saved a lot to calculate how much they needed to be financially free, following the 4% rule.
- To retire, one needs 25 times their annual expenses, ensuring a sustainable lifestyle without drastic changes like having children or renovating a house.
- Samuel Rey and his wife adopted a frugal lifestyle due to family circumstances, aiming for stability rather than entrepreneurship.
- They started saving early, managing finances meticulously, and tracking their progress using Excel, reaching their target number by age 33.
- Content creation on Instagram and YouTube provided additional income, accelerating their financial goals by 3-4 years.
- Samuel Rey worked as a senior manager in HR at an e-commerce company, using bonuses to top up their mortgage or increase pension funds.
- They compromised on desires during the pension fund collection process, focusing on long-term financial stability and shared financial management.
- Communication and compromise were key in supporting both sets of parents and siblings financially while maintaining their own financial goals.
- The couple's habit of tracking their network growth monthly brought them greater happiness than material possessions, emphasizing the value of patience and steady saving for financial independence.
13:15
"Resigning at 33: Balancing Work and Family"
- The individual contemplated resigning at 33 due to career success but hesitated due to uncertainty about future plans.
- Despite initial fears, the decision to resign led to increased responsibilities and happiness at work.
- Balancing career growth with family responsibilities, the individual found fulfillment in career success but struggled with childcare duties.
- The individual questioned the purpose of work and family life, leading to a decision to prioritize family over career ambitions.
- Resigning improved the quality of life by focusing on family and eliminating work-related stress.
- The transition to a stay-at-home parent involved creating a new routine centered around childcare and content creation.
- The individual grappled with feelings of loss and confusion after leaving the structured work environment.
- Joining a retiree forum revealed common struggles with finding purpose post-retirement and the importance of setting new goals.
- Some retirees struggle with transitioning their identity from work to family, seeking fulfillment through projects involving their children.
- The individual explored options like relocating to Japan for a new adventure and business opportunities to find a sense of purpose and avoid stress.
25:55
"Family Explores Business, Visas, and Siblings"
- A family in Japan starts a cafe business while managing their child's visa and nephew's schooling.
- They contemplate the profitability of the business and consider moving to Japan.
- The family explores various visa options, including the Nomad visa in Prague and Portugal's Golden visa.
- They discuss retirement visas in different countries like New Zealand and Greece.
- The family follows a YouTuber who retired in Portugal and shares their excitement.
- The family debates having another child for their current child's sake.
- The child expresses a desire for a younger sibling, preferably a sister named Ruby.
- The family discusses the financial implications of having another child and the joy it brings.
- Frugal living is discussed as a part of financial management, along with increasing income and investing.
- The family shares tips on managing finances, including creating systems to avoid impulsive spending and planning meticulously.
38:15
"Retirement, Productivity, and Financial Planning Insights"
- Retiring and taking pension funds at 4% is discussed, with the speaker questioning the necessity of this percentage due to still having active income.
- The speaker reflects on maintaining their lifestyle post-retirement without significant changes and the absence of new hobbies or expenses.
- Emphasizing simplicity post-retirement, the speaker suggests activities like morning walks to maintain routine and avoid confusion among neighbors.
- The speaker recounts a situation where their child observed their work and book-selling activities, aiming to instill a work ethic in their child.
- Financial planning for their child's future is discussed, including investing in mutual funds and shares for long-term growth.
- The speaker shares experiences from a recent book roadshow in Java and Japan, promoting their book "Office Children" aimed at professionals seeking career advancement.
- The speaker reflects on their evolving definition of retirement, focusing on staying productive, creating written content, and engaging with audiences across various platforms like YouTube, TikTok, Twitter, and Instagram.
