辭職了~靠自己提早退休 - 薪水
By Eden
at 2018-07-28T12:19
at 2018-07-28T12:19
Table of Contents
有些網友私下問我生涯規劃及退休問題,坦白說我前一陣子辭職了。
有稍微考慮一下,畢竟很辛苦熬了好幾年才爬到九職等
年薪也勉強破百,如果繼續待下去,未來卡個九等主管缺,或者繼續升都還有機會
但仔細想想,這些對我似乎都已經沒有誘因了
就像馬雲說的:員工離職原因只有兩點,一是錢給不到位,二是心受委屈了
總結只有一句話:幹得不爽!!
錢的方面
我很早就已經靠投資在準備自己的退休金,這幾年不僅達到目標,更早就超過自己的薪水
錢有沒有給到位不談,但至少我知道即使光靠投資所得,日後基本生活也應該無虞
心的方面
我覺得應該才是主因,之前我寫過很多文章,提到公務員的勞動困境及這次年改的不合理
我在公私部門都待過,很多人都搞不清真相,政府本身就是最大的慣老闆
這次年改也根本沒有解決問題,對年輕世代更是場巨大的災難,
更別提還會帶風向,用汙名化的方式進行鬥爭,製造無謂的職業對立
我對於這些現狀很不滿,當然也幹得很不爽,但我自知無力改變
按照目前社會氛圍,未來也很難改善,甚至會越來越慘
想到這幾年努力工作得不到認同跟成就感,還變成人人喊打的對象
既然有能力選擇了,實在找不到繼續待下去的理由
後來去跟人事室提辭職時,直接說要結清年資,領回公自提
承辦人還要我再考慮一下,強調請求權時效是10年,新法年資未來退休還可以合併計算
我笑回說沒關係,直接幫我申請
我感謝他的好意,但其實這規定我比誰都還要清楚,因為我就是寫文章分析比較的人
與其依賴政府未來虛幻的退休金承諾,還不如趕快套現靠自己投資比較實際。
這個選擇不要說10年,連10秒我都不需要考慮。
按照新法65歲的標準,算算我可以說是提早了25年退休
這麼早辭職當然沒預料到,但在準備退休金過程中,我又隱約覺得自己遲早會走上這條路
因為我自知個性不適合當公務員,不喜歡那些繁文縟節、官僚文化
更厭惡公僕這類的字眼,當時機成熟時,離開也是必然的事。
就像德國股神柯斯托蘭尼說過的話:
「我這輩子最大的成就,就是我不是任何人的僕人,也不是任何人的主人」
這輩子不求賺到大錢,但希望至少經濟跟思想都能獨立
不用為五斗米折腰,也不必再看別人(ㄓㄍㄉㄇ)的臉色。
辭掉鐵飯碗,放棄安穩的生活,從此盈虧自負,或許風險較高
但能當個獨立自主的投資人,選擇自己喜歡做的事,此生足已。
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自己的退休金自己救
https://goo.gl/iZYxWQ
--
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