不用念大学、工作五年退休时就有4百万 网红致富法可行吗？
<picture style="box-sizing: border-box;"><font size="4" face="宋体"><img alt="網紅Freddie Smith在網路分享年輕人花五年就能在退休時坐擁百萬的致富方法，在網路引發討論。青少年工作示意圖，非新聞當事者。（取材自unsplash.com@Waqas Saeed）" class=" lazyloaded" data-src="https://pgw.worldjournal.com/gw/photo.php?u=https://uc.udn.com.tw/photo/wj/realtime/2025/08/20/32946722.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=800&exp=3600&q=75" src="https://pgw.worldjournal.com/gw/photo.php?u=https://uc.udn.com.tw/photo/wj/realtime/2025/08/20/32946722.jpg&x=0&y=0&sw=0&sh=0&sl=W&fw=800&exp=3600&q=75" style="box-sizing: border-box; border-style: none; object-fit: contain; width: 580px; height: 386px;"></font></picture><figcaption style="box-sizing: border-box; line-height: 1.4; padding-top: 10px; padding-bottom: 10px; color: rgb(126, 126, 126); background-image: initial; background-position: initial; background-size: initial; background-repeat: initial; background-attachment: initial; background-origin: initial; background-clip: initial;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">网红 Freddie Smith 在网络分享年轻人花五年就能在退休时坐拥百万的致富方法，在网络引发讨论。 青少年工作示意图，非新闻当事者。 （取材自 unsplash.com@Waqas Saeed）</font></figcaption><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">房仲网红史密斯（Freddie Smith）日前分享一种年轻人的致富方法，无须上大学并只要五年，<span style="box-sizing: border-box; background-color: transparent; color: rgb(126, 126, 126); text-decoration-line: none; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;"> 退休</span><font color="#7e7e7e"><span style="box-sizing: border-box; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;">时银行户头里就有 4 百至 5 百万的存款，短时间就能达到诱人结果的理论上引发热议，而专家说史密斯的方法没有考虑到辍学的代价和生活中各种支出的可能性，也忽略了投资总有风险，方法是否能让人退休时坐拥百万，要考量每个人的实际情况。</span></font></font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">Moneywise<font color="#0061cc"><span style="box-sizing: border-box;"> 报导 </span></font>，史密斯近期在 <span style="box-sizing: border-box; background-color: transparent; color: rgb(126, 126, 126); text-decoration-line: none; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;">TikTok</span><font color="#7e7e7e"><span style="box-sizing: border-box; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;"> 影片</span></font><font color="#0061cc"><span style="box-sizing: border-box;">分享</span></font>他的五年致富之道，计划核心为存钱并尽早开始投资，之后就让复利帮自己钱滚钱，退休时银行户头就有 4 百至 5 百万元。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">史密斯的计划分为两阶段。 第一阶段是16至18岁，这个年纪的青少年找个月薪约1200元的打工，父母亲共同签署借贷购买一台价格1万至1万2千元的可靠二手车给他，这名青少年用每个月打工所得中的5百元支付车贷，剩下的6百至7百元可以用于生活开销。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">第二阶段为18岁至21岁，找一份全职工作或身兼数职以获得约3万5千元的年收入，并继续住在家中，如此就没有房租支出，父母亲会负担基本生活开销; 在这份3万5千元的年收入，1万元可以用于生活开销，剩下的2万5千元投入股市。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">若这五年完全按照史密斯的计划走，这位年轻人21岁时会有约7万5千元的投资，如果这位年轻人之后没有再投资任何钱到退休资金，以复利的力量，到六十多岁时7.5万元就会变成4百至5百万元。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">史密斯说，他承认这个计划不是每个人都适用，但这仍是一个有趣的概念，至于是否可行，报导也做了拆解。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">如果用7.5万元投资并放个45年到66岁，以年回报率10%来算会得到550万元，因此这部分是可能的。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">在第一阶段打工的部分，假设该位青少年时薪10元，这在许多州已经高于最低时薪标准，一个月要工作120小时才能达到月薪1200元的目标，这个总工时换算下来每周工时约26至30小时，这工时对一个高中生来说很长。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">至于每个月 5 百元的车贷还款，以 1.2 万元的车，贷款 60 个月及<span style="box-sizing: border-box; background-color: transparent; color: rgb(126, 126, 126); text-decoration-line: none; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;">利率 </span><font color="#7e7e7e"><span style="box-sizing: border-box; border-bottom: 1px solid rgb(126, 126, 126); transition: color 0.3s linear, border 0.3s linear;">10%来算，（这个利率算低，不过如果父母信用良好，这不是不可能），一个月要支付 315 元，加入保险等费用后差不多 5 百元。</span></font></font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">最后是第二阶段的年薪3.5万元，根据劳动统计局的数据，美国16至24岁的受雇者周薪平均721元，换算年薪为3万7392元，因此史密斯这估算是合理的。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><div class="embedded-content" style="box-sizing: border-box; margin-bottom: 20px; color: rgb(0, 0, 0); margin-inline: auto; position: relative; text-align: center;"><blockquote class="tiktok-embed" cite="https://www.tiktok.com/@fmsmith319/video/7525883641088462110" data-video-id="7525883641088462110" data-embed-from="oembed" id="v95491753369497810" style="box-sizing: border-box; position: relative; width: 580px; line-height: 1.15; overflow: hidden; text-size-adjust: 100%; max-width: 605px; min-width: 325px; margin-right: auto !important; margin-left: auto !important;"><iframe name="__tt_embed__v95491753369497810" sandbox="allow-popups allow-popups-to-escape-sandbox allow-scripts allow-top-navigation allow-same-origin" src="https://www.tiktok.com/embed/v2/7525883641088462110?lang=zh-CN&referrer=https%3A%2F%2Fwww.worldjournal.com%2Fwj%2Fstory%2F121617%2F8950371&embedFrom=oembed" style="box-sizing: border-box; border-width: initial; border-style: none; width: 580px; height: 739px; display: block; visibility: unset; max-height: 739px;"></iframe></blockquote></div><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">影片来源：TikTok@fmsmith319（若有侵犯着作者权益，请连络本社删除。 ）</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">史密斯的计划看似合理可行，但是必须有以下前提，包括在高中时找到一份高薪且工时长的工作，但这应无法维持三年，另外将近50年的投资要持续获利，这需要一个很平均的投资组合，还要能够持续忍住「不从户头提款」，这要很强的自律，也要在家里住到21岁，这对有些人来说做不到，最后是在存款期间几乎不能发生需要额外开销的紧急事件， 因为史密斯的计话没有把医疗保险、修车费、税金等各种开销算在内。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">史密斯的计划也把所有人的家庭背景一致化，现实中不是所有青少年都有相同的机会找到工作，也不是所有人的父母都能提供强大支持，事实上美国的16至24岁青年就业人数正在下降，即便找到工作，通常都是低薪、兼职或短期的工作，让史密斯规划的3.5万年薪遥不可及。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">史密斯也忽略了社会经济差距，低收入家庭的年轻人通常需要分担家庭开销或帮忙照顾弟妹，因此很难有很多时间投入工作，或一年可以有2.5万元用于投资。</font></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"></p><p style="box-sizing: border-box; letter-spacing: 1px; margin-bottom: 20px; line-height: 1.75; color: rgb(34, 34, 34); word-break: break-word;"><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;" size="4" face="宋体">报道指出，史密斯为退休规划的投资计划看似强大，然而那需要父母的后援、个人自律和稳定的财务状况才能达成，但很多家庭缺乏那些条件，考虑史密斯致富法的人应考量现实面，衡量大学辍学的代价、现实生活中各种开销以及投资一定有风险等因素。</font></p><div><font class="notranslate immersive-translate-target-wrapper" lang="zh-CN" style="box-sizing: border-box; word-break: break-word; user-select: text;"><div align="left"><font color="#444444"><font color="#444444"><font 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align="center"><hr class="l" style="clear: both;"></div></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></div><div align="left"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#000"><font color="#444444"><font color="#444444"><font face="宋体"><font size="4"><font face="宋体"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#000"><font face="宋体"><font size="4"><font color="#444444"><div align="center"><font color="#444444">:hug:<font color="#ac39ff"><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u>房屋出售</u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></font></font> :hug:<font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u><font color="#066cc"><u>商家黄页</u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></u></font></div></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></div><div align="left"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#000"><font color="#444444"><font color="#444444"><font face="宋体"><font size="4"><font face="宋体"><font color="#444444"><font color="#444444"><font color="#444444"><font color="#000"><font face="宋体"><font size="4"><font color="#444444"><div align="center"><font color="#444444"><font color="#000">简介：纽约情报站是汇集全美75万粉丝的公众平台。除了实时新闻、找工招工信息发布、app社区互动，更有微信公众号推文探店等。如果你投稿、爆料、活动策划、商务合作，或者想邀请我们去探店，请联系主编微信： nyinfor</font></font></div></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></font></div></font></div><p></p>
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