They have become millionaires and have retired in 31 years

They have become millionaires and have retired in 31 years

After growing poverty in Chinese rural areas, where her family lived at least $ 0.44 a day, Christie Sheen learned to take decisions based on practicality rather than feelings at an early age.

After his family moved to Canada, on the first visit to the eight-year-old toy store, refused to offer a bear for a cheap child and asked his father to send the remaining money to his family in China.

When she was a teenager, she chose to become a computer engineer, ignoring her dream of being a writer, on the basis of a source, she used to classify the best university courses on the basis of tuition fees for future salaries.

Had prepared for it. As an adult, any domestic dispute with her husband, Brice Leung, is usually won or lost on the basis of the best game case.

But when Leung told her in 2012 that her savings could be up to one million Canadian dollars ($ 760,000) in three years and she could retire in her early thirties, she was convinced that the facts were wrong.

Finally, the most logical argument won. Three years later, Shane, 31, and Leon, 32, retired.

They are part of the growing fire movement (financial independence fast retired), which encourage workers to make huge savings to enable them to stop working for money before normal.

Today, at the age of 36 and 37, respectively, Chen and Leung take “retire” (to use the word on two people, hence pulse with youth seems misleading).

They started abandoning their old jobs – worked as computer engineers – almost permanently traveled around the world – spending time in countries like Japan, United Kingdom, Portugal and Thailand – started creating a successful blog, Millennial Revolution Doing, teaching others how to retire quickly. . The first was a children’s book, Little Miss Eiffel.

Second edition, “Take a Millionaire Like It” has been issued a guidebook on the memo this month and presents financial independence as a pleasure and refuses home ownership as an investment.

First of all, his friends and family were skeptical, so that he was expected to be bankrupt after one year.

But the visit has given them less than a year at home in Toronto, and their portfolio has increased because they have left their old life, so now they have more money than they have started.

Some people see what they are doing as “neglect” because it defines the status quo. “It really makes people doubt their life and do not like it because it’s scary.”

Their journey in the fire started quite a lot in the fire – they were saving the deposit to buy a house.

But as much as their savings, high house prices, and less confidence to get the real estate ladder By 2012, after seven years of savings, they had $ 500,000 CAD, but Leung started looking for other solutions.

After facing the first bloggers like Fire Mustache, they say: “I realized what they were doing, and where we can be debtor for 25 years or retire in about three years.”

Using the revised version of “4% rule” – an inaccurate doctrine from the world of traditional retirement – he calculated his basic living expenditure, C $ 40,000, and defeated him with 25 million Canadian dollars, the amount that he had to retire would be required.

In total nine years, they managed to collect four-fifths of that savings, while another CAD 200,000 through less risk investment.

But their saved lifestyle was not completely economical. They used to spend money on holidays and they were allowed to be treated. The deduction focuses on three main areas: transportation, housing and food.

They used to avoid eating out, used only public transport and car sharing services and used to stay away from the city center to save rent. Monitoring their expenditure has helped identify areas that they can reduce – including drinking habits.

Shane laughed, “At some point in the beginning, he was only spending $ 400 on beer.” “I like it,” do you know that this is the amount we used to rent in a month? ”

Now that he has retired, he believes that his savings, invested in low-cost index funds (ETFs), will keep him in future. In the event of a disaster, including 1929 accident, they have three backup plans.

“Probably, we are some of the most pessimistic people I’ve met,” Long says through clarification. “We are just doing this because we have created all these security nets that will follow us.”

During his childhood in Taiping, a village in Sichuan province, he says that he quickly learned the mentality of scarcity.

On the front: 12 hours in a surrounded abortion clinic

On the front 12 hours in a surrounded abortion clinic

Rachel is standing on a Chevrolet seat, where she binds herself in her mirror. He pulls Fedor to cover his face, but he is not convinced that he provides enough cover. He carries a large size sunglasses.

Although this group hides its face, it is not a vague picture in the neighborhood in the neighboring neighborhood in Montgomery, Alabama.

“I think I have a fake drink,” she says. “What do you think?”

Rachel is a doctor offering abortion, and if modern history is a proof, refusal can not be a bad idea. Since 1993, in the United States anti-choice extremists have killed 11 people, including four doctors.

Abortion can cause serious curvature in doctors’ care, many were canceled, expelled or job offers were canceled. Fear of their safety, some doctors decided to distribute themselves. For these reasons, abortion clinics are struggling to find local doctors ready to take those risks.

This is the American reality that forces medical professionals to travel hundreds of miles to provide basic health care for women.

Alabama has recently approved one of the most severe abortion laws in the country, which will allow doctors to abort at any stage of pregnancy, unless the woman’s life is at risk. The law has been abrogated, and till now, abortion is legal before 20 weeks in Alabama.

The state has recently passed one of the nine restrictive abortion restrictions as a biblical biblical right to challenge the access to abortion.

Although no restrictions are currently in place, they are designed to make pressure on Roe v Wade, the Supreme Court’s decision, which ensures the legal right to women’s abortion.

Rachel awakens at dawn and takes her family from a train to the airport. Then travel to Atlanta and take a car rental and drive two hours from Montgomery. The next day, when his work is over, he takes his steps back.

It takes 10 hours to travel in every direction, and there are times when there are 2 hours before returning to bed.

Under the weight of constant attacks from state assemblies, the number of clinics offering miscarriage has declined for decades.

In the South and Central West, between 2011 and 2014 the number of clinics decreased by 13% and 22% respectively.

The situation is so difficult that in some states – Missouri, West Virginia, Mississippi, Kentucky, South and North Dakota – now there is only one abortion clinic.

While Rachel and her younger daughter are still asleep, the lives of protesters, clinic attendants and patients around the clinic come to life.

Last evening in the hotel, Rachel told me that he had chosen his work line when he realized that family planning was an area of ​​medical care.

According to a 2013 study, only about 54 percent of 161 pregnancy and gynecological residency programs practice routine abortion.

“I do not know how many lectures we have on Crohn’s disease in the middle school,” he said. “It is a devastating disease, but about 40,000 people are diagnosed in the United States every year.”

He said that the lack of interest has made me very angry so that I can get specialization in it. “I thought I could help in training the next generation.”

Returning to the clinic, Mia Raven Dr. Opens the box of beber, trying to woke itself. Before the night, the clinic sent a letter to Rachel to warn him that there were 43 patients on the following day.

Two years ago, in the average clinic there were 15 patients in a day, 43 seemed to be unimaginable. But with compulsion to stop more clinics, it has become a standard.

The reproductive health clinic aborted on Friday due to doctors’ laxity and treatment is going on in Alabama.

This includes a compulsory waiting period of 48 hours after the first consultation, when women are notified of the risks of not only abortion (outlined in the first trimester), but also the option of abortion. Alabama law also provides patients with a package of medically incorrect information.

Outside the wet grass, the opponents like to pray. Most local Catholics stay on their way to work. The patients arrive before 5 a.m. to help the clinic to enter the clinic safely and privately.

The Defense Department coordinates with a police officer on the site every Friday to enforce laws against third party infringement – often against protesters.

The present Catholic demonstrators are somewhat different today. They do not have an embryo, there is no horn and they do not bother patients and carers.

They grow up gradually with their back in the clinic and mix their knees, thus reducing their stops on the club grass.

While Catholics are the original workers in the fight against abortion in America, but the evangelists have severely overwhelmed them.