轉載的文章 How to retire at age 30 Age 18 - Get admitted to a top university. Take out loans if necessary. Get a degree in CS, math, applied math or physics and another one in economics or finance. Read books about the markets and learn how to program. Do internships each summer at brokerage firms, law firms, consultancies, or banks. Make friends with people with rich parents. Age 22 - (optional) - Get a master's degree in something applied, like financial engineering. Network like a little bitch. Age 23 - Move to New York and become an analyst at a top firm. Focus on positions in banking, trading, sales, or on the buy side. Start working insane hours and dedicate your life to your job. It will help if you are actually interested in what you are doing. You will probably make around 100K USD your first year. To save money, share an apartment with a friend. If your local real estate is not in a bubble, consider buying a place. Age 25 - Caffeine is your best friend. If applicable, sleep with your superiors, but don't sleep otherwise. You should make around 200k this year. After taxes and expenses, try to save 75 or so. You will have to take some risks in your p.a., but that's what it's all about, right?. If you gain some insights from your job, by all means apply them to your p.a. P.S.: you've gained 20 pounds since college, and your mom makes fun of your new double chin behind your back, but who the fuck cares? Age 27 - Your title starts with "V" and the number in your p.a. starts with 4 or 5. Been on a date or gotten any lately? Didn't think so. You hate the world and you've become a hardened New Yorker. You take a car home from work every night around 11 while frantically thumbing on your Crackberry. Your mom only hears from you on her birthday and Yom Kippur. You fired your first guy this year. Keep your eyes on the prize. The trend is your friend (until the end). Age 30 - A big bonus puts you over the top. You have your six zeroes. If you're greedy, or you love power, and yourself, stay on 5 or 10 more years and get a couple more bucks. But why? You are used to living in self-deprivation and what is essentially poverty. You don't need any more money. You leave to "pursue other interests." Age 31 - Sleep all year. This is like recovering from a meth addiction. All the old things you used to care about are dead. Remember how you used to play basketball, the bass, the field? Maybe there is still a seed of your old self lying dormant deep within. Maybe your old self can be resurrected. Maybe your knees are not shot, maybe your soul is not dead, maybe you can still get an erection without medication. There is hope! Age 33 - You get married, start having kids, move someplace with a high quality of life and low cost of living. In the US, the following places come to mind: Burlington, VT; Charlotte, NC; Austin, TX; Portland, OR; Madison, WI. Volunteer to help homeless youth or Hispanic immigrants. You don't really have an income anymore, but maybe you can earn a few bucks on the side from your hobbies: you can build furniture, refurbish classic cars, or write an investment newsletter. You are living off your savings, so you will have to be smart with your investments. You have 1 or 2 million bucks, and if you're smart, that will kick off 50-100k every year, and what's more, it's investment income so it's taxed at way lower rates than labor income (thank you, GWB). Your biggest worrry is inflation, so your portfolio is concentrated in assets that pass inflation through: TIPS for the short term, real assets for the medium term, and stocks for the long run, baby! Age 40 - (Good scenario) - You are fully self-actualized. You laugh early and often, and you have won the love of small children and the respect of intelligent men. You have four children, and the oldest knows how to derive Ito's lemma and can play the entire _The Art of Fugue_ by heart. Your wife cooks a damn fine pot roast every night, reaches orgasm every time you boink her, which is often, and worships you. That 20 pounds of fat has been replaced by pure muscle. You sit on the boards of several local foundations, and play bass in a jazz band. Age 40 - (Bad scenario) - Five years ago, you played golf every day and had a martini before dinner. Two years ago, you played golf twice a week and went to happy hour the other days. Now, you can't remember what golf is and you start drinking at 11 AM. After age 40? Jesus, that is far too abstract...I'm 26 for Chrissakes...and on schedule I might add... --

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