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现代社会里，很多人都很羡慕影视剧中的角色，他们不用上班，每天吃吃喝喝，在几个关键场合出现一下就能年入百万，财务自由。
而现实生活中每个人都是苦逼的闹钟狗，每天听‘铃’行事，生活处在勉强偷生、苟且能活的状态，这其中的差距让人不禁悲叹，那如果要想实现财务自由，需要赚够多少钱？
一线城市，上海，500万
我有个朋友在上海工作，今年三十出头，靠着自己的努力和家人的一点点帮助在上海买了房，并且存下了小500万的存款，这在我们圈子里也属于令人‘仰望’的存在了，而他是个单身狗，对感情无欲无求，因此打算靠自己攒的500万在上海提前养老，正式步入财务自由。
他对这500万是这样规划的：
此外他房子每年还贷大概10万，日常支出每年大概8万，再加上逢年过节、外出旅游、置办家居等差不多5万，算起来一共25万左右，如果按他的规划来说，收益足以覆盖支出，妥妥的实现了财务自由！
但实际上呢，银行理财产品的收益率在不断下降，随着资管新规正式落地，理财产品告别刚兑，进入全面净值化时代，“盈亏自负”成为理财新风貌，理财产品也不再有“保本”一说，而且想要5%年收益的产品，不说是天方夜谭也算是大海捞针，现在3%都甚为可贵。
再说年收益10%的基金，今年连债基都跌麻了，何况其它基金呢，而且投资是有风险的，不是说它过往数据达到10%就可以保证每年都拿到这么多收益，以现在的基金市场环境来看，不赔本就算是赚钱了。
普通人如何实现财务自由
以我朋友为例显然不合适，以我为例哈（代表普通群众），一年的积蓄不到5万块，能不能实现财务自由呢？
首先我们要知道怎样算是财务自由：投资性收入/消费支出>1，也就是说你投资理财等手段产生的收益要能超过你日常消费的支出，注意，这是保障本金不动的情况下。
换句话说，如果你现在开始不工作，你能维持多久现在的生活水平？如果是五年以上，你的财务自由程度还可以；十年以上，那说明你的财务自由程度很高。
但如果只能维持几个月至一年，那说明你没有投资性收入，只有积蓄。
对于普通人来说，工资就是唯一的收入项，普通人要想实现财富自由，可以从以下几个方面努力：
①理性消费：近年来随着花呗、借呗、信用卡等的流行，很多人都习惯了超前消费，这样的习惯导致很难积累财富，因此一定要控制自己的消费欲望，理性消费。
②定期储蓄：理财产品、基金股票都有一定风险，在没有专业理财知识作为背景的情况下，可以选择银行定期储蓄或者国债。
③职业工作：找一家快速成长、可以给期权股票的公司，尽量去发展潜力强的一、二线城市。
④额外创收：打工就是打工，永远存在被替代的可能，因此可以选择一份自己热爱的兴趣当副业，如写作、绘画。
虽然普通人要想实现财富自由很难，但只要通过自己的努力，生活水平是一定能够大幅提高的，想吃肉吃肉，想喝酒喝酒，这就是普通老百姓最纯粹的自由。
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2022年底还能搬砖的游戏盘点~搬砖党福音
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大家好，我是懒羊羊，有的人玩游戏，追求3A大作的极致视觉盛宴，顶级画质和庞大的世界构成让他们欲罢不能；有的人玩游戏，喜欢小游戏的休闲娱乐，什么不用动脑玩什么，重在打发个时间；但是还…
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定了！急招200名医护免费学习英语，政策扶持，不限年龄，仅限今天
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??随着本号的英文爱好粉丝越来越多，今天推出这个重磅福利——由北大学霸、明星讲师艾力打造的「2022·医护英语提升营」！ ??不管你是护士医生或者已经退休，只要你想提升自己的英文，…
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体制内，做什么兼职能快速挣钱？
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你好，我是坦爸，专注传播职场正能量的体制内老司机。 今天，坦爸来讲讲，公务员如何正当“搞钱”。 体制内兼职不是什么新鲜事，没干过也总会想过吧，只是因为这个特殊“身份”，适合做的兼职…
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新型爆火副业之气球篇（适合宝妈，自由职业者）
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#头条创作挑战赛# 最近，发现小区门口，幼儿园门口，商场门口，都有很多卖气球，非常火爆。 对于宝妈来说，做这个生意，非常友好的。 我的一位朋友是两孩子的宝妈，利用孩子送幼儿园的时间…
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22岁女生，靠副业买了1套房爽歪歪！
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No.1 靠副业赚钱，买了1套房 周末的时候，博主出去谈事情遇到一个小女生梦瑶，98年的，今年大学刚毕业。但是，大家可别小看她。 在大学的四年时间，她自己在二线城市买了一套房，总价…
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无心插柳，这个护士却很能赚
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— CnBays.cn湾区中国 | 【睿问财讯-国际】 导读： （原标题：护士副业走红后获利数百万：这是很无意的） 一名护士在Etsy上看到令人震惊的成功后，将她的副业变成了一个网…