{"id":12661,"date":"2021-09-14T11:01:15","date_gmt":"2021-09-14T08:01:15","guid":{"rendered":"https:\/\/businessexpress.ro\/?p=12661"},"modified":"2026-01-03T21:56:14","modified_gmt":"2026-01-03T19:56:14","slug":"cum-sa-te-pensionezi-inainte-de-60-de-ani-traind-bine-cu-mai-putina-munca","status":"publish","type":"post","link":"https:\/\/businessexpress.ro\/ro\/cum-sa-te-pensionezi-inainte-de-60-de-ani-traind-bine-cu-mai-putina-munca\/","title":{"rendered":"Cum s\u0103 te \u201cpensionezi\u201d \u00eenainte de 60 de ani, tr\u0103ind bine, cu mai pu\u021bin\u0103 munc\u0103"},"content":{"rendered":"<figure class=\"wp-block-image size-full is-style-default\"><img data-recalc-dims=\"1\" decoding=\"async\" width=\"800\" height=\"533\" data-attachment-id=\"3479\" data-permalink=\"https:\/\/businessexpress.ro\/ro\/euro-3\/\" data-orig-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?fit=800%2C533&amp;ssl=1\" data-orig-size=\"800,533\" data-comments-opened=\"1\" data-image-title=\"euro-3\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?fit=800%2C533&amp;ssl=1\" data-src=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?resize=800%2C533&#038;ssl=1\" alt=\"\" class=\"wp-image-3479 lazyload\" data-srcset=\"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?w=800&amp;ssl=1 800w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?resize=300%2C200&amp;ssl=1 300w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?resize=768%2C512&amp;ssl=1 768w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?resize=165%2C109&amp;ssl=1 165w, https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?resize=90%2C60&amp;ssl=1 90w\" data-sizes=\"(max-width: 800px) 100vw, 800px\" src=\"data:image\/svg+xml;base64,PHN2ZyB3aWR0aD0iMSIgaGVpZ2h0PSIxIiB4bWxucz0iaHR0cDovL3d3dy53My5vcmcvMjAwMC9zdmciPjwvc3ZnPg==\" style=\"--smush-placeholder-width: 800px; --smush-placeholder-aspect-ratio: 800\/533;\" \/><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ave\u021bi 30-40-50 de ani \u0219i vi se pare c\u0103 munci\u021bi mai mult pentru a pl\u0103ti facturile lunare dec\u00e2t pentru a v\u0103 bucura de via\u021b\u0103? V\u0103 sim\u021bi\u021bi obosi\u021bi \u0219i v\u0103 g\u00e2ndi\u021bi deja la pensionare? Bloggerul american Pete Adeney, cunoscut drept &nbsp;Mr Money Mustache, are c\u00e2teva ponturi pentru voi.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Munca poate deveni op\u021bional\u0103<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Acum \u00een v\u00e2rst\u0103 de 46 de ani, Mr Money Mustache s-a \u201cpensionat\u201d la 30 de ani, c\u00e2nd a renun\u021bat la jobul lui de inginer software \u0219i a \u00eenceput s\u0103 investeasc\u0103. Mi\u0219carea din care face parte se nume\u0219te Fire (Independen\u021b\u0103 Financiar\u0103 prin Pensionare Timpurie). Ce presupune asta mai exact? <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">-\u00ee\u021bi calculezi bugetul cu aten\u021bie<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8211; faci economii pentru a putea investi&nbsp; mare parte din bani, \u00een speran\u021ba c\u0103 vei face munca op\u021bional\u0103<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">A\u021bi v\u0103zut \u0219i voi \u00een pandemie c\u00e2nd a\u021bi economisit for\u021ba\u021bi de criza sanitar\u0103 c\u0103, de fapt, nu tot ce cheltui\u021bi este absolut necesar. \u201cCheltuielile se afl\u0103 sub controlul nostru \u0219i e ceva ce putem schimba \u00eencep\u00e2nd de ast\u0103zi\u201d, spune bloggerul &nbsp;\u00een cel mai recent podcast Money Clinic, citat de Financial Times.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Deveni\u021bi mai con\u0219tien\u021bi de traseul cheltuielilor<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Primul lucru pe care \u00eel face\u021bi e s\u0103 v\u0103 urm\u0103ri\u021bi cheltuielile \u0219i s\u0103 \u0219ti\u021bi exact unde se duc banii. Devenind mai con\u0219tien\u021bi de alegerile voastre \u00eenseamn\u0103 c\u0103 pute\u021bi p\u0103stra mai mul\u021bi bani pentru voi \u0219i \u00eei pute\u021bi investi.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pe blogul lui, Mr Money Mustache aminte\u0219te de \u201cNum\u0103rul Fire\u201d, adic\u0103 suma de care ai nevoie pentru a o investi \u0219i a tr\u0103i lini\u0219tit pentru tot restul vie\u021bii. Mai exact, de 25 de ori suma cheltuielilor voastre anuale. Ca s\u0103 v\u0103 fie mai u\u0219or de calculat, al\u021bi adep\u021bi ai mi\u0219c\u0103rii Fire spun c\u0103 ei economisesc&nbsp;50% din veniturile lor, pe care apoi le investesc la burs\u0103.<\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Ce beneficii v\u0103 aduce pensionarea timpurie<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pensionarea timpurie \u00eenseamn\u0103 lucruri diferite pentru oameni, mai spune bloggerul. Pentru unii, \u00eenseamn\u0103 a ob\u021bine un echilibru \u00eentre munc\u0103 \u0219i via\u021ba personal\u0103. Pentru al\u021bii, \u00eenseamn\u0103 c\u0103 pot alege un job mai satisf\u0103c\u0103tor, dar pl\u0103tit mai prost. Pentru el, secretul pension\u0103rii timpurii presupune s\u0103 tr\u0103iasc\u0103 o via\u021b\u0103 simpl\u0103, petrecut\u0103 \u00een activit\u0103\u021bi de care se bucur\u0103 cu adev\u0103rat, mai ales al\u0103turi de fiul lui adolescent. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTradi\u021bional, suntem \u00eenv\u0103\u021ba\u021bi s\u0103 economisim 5 -10 p\u00e2n\u0103 la 15% din c\u00e2\u0219tiguri, dar asta \u00eenseamn\u0103 s\u0103 ne pension\u0103m dup\u0103 60 de ani\u201d, afirm\u0103 Mr Money Mustache. Ideea aceasta \u00eel deprima pentru c\u0103 mai avea mult p\u00e2n\u0103 la acea v\u00e2rst\u0103. Acum se bucur\u0103 c\u0103 are 46 de ani \u0219i a sc\u0103pat de mult de munca la birou. <\/p>","protected":false},"excerpt":{"rendered":"<p>Ave\u021bi 30-40-50 de ani \u0219i vi se pare c\u0103 munci\u021bi mai mult pentru a pl\u0103ti facturile lunare dec\u00e2t pentru a v\u0103 bucura de via\u021b\u0103? V\u0103 sim\u021bi\u021bi obosi\u021bi \u0219i v\u0103 g\u00e2ndi\u021bi deja la pensionare? Bloggerul american Pete Adeney, cunoscut drept &nbsp;Mr Money Mustache, are c\u00e2teva ponturi pentru voi. Munca poate deveni [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":3479,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"wpzoom_is_breaking":1,"source_url":"","_jetpack_feature_clip_id":0,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"jetpack_post_was_ever_published":false},"categories":[17],"tags":[660,3144,2354,3147,3146,3145,3142],"class_list":["post-12661","post","type-post","status-publish","format-standard","has-post-thumbnail","category-economic","tag-bani","tag-economii","tag-investitii-2","tag-mr-money-mustache","tag-munca-optionala","tag-munca-putina","tag-pensionare-timpurie"],"jetpack_publicize_connections":[],"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/paH2fj-3id","jetpack_featured_media_url":"https:\/\/i0.wp.com\/businessexpress.ro\/wp-content\/uploads\/2019\/02\/euro-3.jpg?fit=800%2C533&ssl=1","_links":{"self":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12661","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/comments?post=12661"}],"version-history":[{"count":3,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12661\/revisions"}],"predecessor-version":[{"id":12664,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/posts\/12661\/revisions\/12664"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media\/3479"}],"wp:attachment":[{"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/media?parent=12661"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/categories?post=12661"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/businessexpress.ro\/ro\/wp-json\/wp\/v2\/tags?post=12661"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}