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Planning retirement before the age of 30 may not get rich early, but at 40...

Planning retirement at age before 30 may not get rich early.

But at 40... you have a "choice" that others don't have.

Because while many people still have to work because of money,

You may work because "want to do" is not "to do."

Retirement planning is not a matter of old people.

But it is the "right to choose life" of this generation.

Start first, not to be the richest.

But to "never have to endure what you don't want to do" for the rest of your life. 💼✨

# # # ✨ 4 steps # # #

1️⃣ * * Target numbers * *

Want to use how much a month when retiring

The sooner you know, the better you plan.

- - - - - - - - - - - - - -

2️⃣ * * Always save before using * *

Aim to collect 10-20% of income.

Broken since the beginning of the month

- - - - - - - - - - - - - -

3️⃣ * * Give money to work for us * *

Start investing easily, a thousand DCA funds a month.

Compound interest will help us in the future. 💥

But if we need a passive income, we need to see if the principal will make us retire before 40.

(Warning, investing is risky!! Study well)

- - - - - - - - - - - - - - -

4️⃣ * * Continuing to know money * *

Understand the basics first and then build on the tools because investing is always risky.

- - - - - - - - - - - - - - -

Beam itself starts from zero. ❗️

But when you get a free finance class,

It completely changed Beam's way of thinking about money. 💭

✅ type the words "retire early" sent to the profile page line.

And Beam will send you a free financial class link. 📩

- - - - - - - - - - - - -

It's best to start now, because "financial freedom" is not in luck... but in the beginning. 🕊️

# Finance # Develop yourself # growwithbeam # Gold # Investment# Plan retirement

2025/10/24 Edited to

... Read moreการวางแผนเกษียณตั้งแต่อายุก่อน 30 แม้อาจจะไม่ได้รวยเร็วในทันที แต่จะช่วยสร้างอิสรภาพทางการเงินและทางเลือกชีวิตที่หลากหลายตอนคุณอายุ 40 ปี ข้อได้เปรียบสำคัญคือคุณจะทำงานเพราะอยากทำ ไม่ใช่เพราะต้องทำเพียงเพื่อหาเงินเลี้ยงชีพ ซึ่งแตกต่างจากหลายคนที่ยังต้องทำงานหนักในช่วงอายุเดียวกัน การสร้างความมั่นคงทางการเงินนั้นเริ่มจากการรู้ตัวเลขเป้าหมายที่ชัดเจนว่าคุณต้องการใช้เงินเท่าไหร่ต่อเดือนในวัยเกษียณ ยิ่งตั้งเป้าได้ชัดเจนเร็วเท่าไร คุณก็จะวางแผนการออมและลงทุนได้ตรงจุดมากขึ้น เช่น การตั้งเป้าเก็บเงิน 10–20% ของรายได้เป็นก้อนสำหรับลงทุนอย่างสม่ำเสมอ จะช่วยให้เงินของคุณเติบโตผ่านดอกเบี้ยทบต้นอย่างมีประสิทธิภาพ วิธีหนึ่งที่แนะนำคือการทำ DCA หรือการลงทุนแบบถัวเฉลี่ยต้นทุน (Dollar Cost Averaging) ลงทุนกองทุนรวมอย่างสม่ำเสมอทุกเดือน แม้เริ่มจากจำนวนหลักพันบาทก็สามารถสร้างพอร์ตการลงทุนที่มั่นคงได้ในระยะยาว แต่ต้องตระหนักว่าการลงทุนมีความเสี่ยง จึงควรศึกษาข้อมูลและเลือกเครื่องมือที่เหมาะสมกับเป้าหมายของตนเอง นอกจากนี้ การเรียนรู้เรื่องการเงินอย่างต่อเนื่องถือเป็นกุญแจสำคัญที่สาวกการเงินไม่ควรมองข้าม เพราะความรู้จะช่วยให้คุณปรับเปลี่ยนกลยุทธ์และวางแผนได้ดีขึ้น นำไปสู่การจัดการการเงินที่ชาญฉลาดและรู้ทันความเสี่ยงต่างๆ อย่างแท้จริง สุดท้าย การเริ่มต้นวางแผนเกษียณตั้งแต่อายุก่อน 30 ไม่จำเป็นต้องทำให้คุณรวยที่สุดทันที แต่จะให้ "สิทธิ์ในการเลือกชีวิต" ที่หลากหลายและอิสระทางการเงินในอนาคต ไม่ว่าคุณจะเลือกทำงานหรือเลือกพักผ่อน การมีทางเลือกนี้จะเพิ่มคุณภาพชีวิตและความสุขในวัยเกษียณอย่างแท้จริง

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A person's feet in black sneakers stand on a dark surface, with dumbbells visible in the background. Overlay text lists the benefits of a 5-9 morning routine, including fitting personal priorities and becoming healthier.
why having a 5-9 before my 9-5 changed my life
Waking up at 5am on workdays truly changed my life! Before I implemented a pretty solid morning routine, I felt like my weekdays were ALL about work. It made it so I’d roll out of bed, get on my computer, work, and then eat and sleep. I felt like I had no time for anything else… like my entire life
Sarah Jolie 🌸

Sarah Jolie 🌸

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