适中情景 · 6.0% 返回, 3.0% 通货膨胀
示意性资产走势图
逐年对比表（适中档位）
| 年份 | 开始 | 花费 | 收入 | 取款 | WR % | 结束 |
|---|---|---|---|---|---|---|
| 1 | $1,010,000 | $40,000 | $0 | $44,444 | 4.40% | $1,020,592 |
| 2 | $1,020,592 | $41,200 | $0 | $45,778 | 4.49% | $1,030,379 |
| 3 | $1,030,379 | $42,436 | $0 | $47,151 | 4.58% | $1,039,272 |
| 4 | $1,039,272 | $43,709 | $0 | $48,566 | 4.67% | $1,047,176 |
| 5 | $1,047,176 | $45,020 | $0 | $50,023 | 4.78% | $1,053,991 |
| 6 | $1,053,991 | $46,371 | $0 | $51,523 | 4.89% | $1,059,609 |
| 7 | $1,059,609 | $47,762 | $0 | $53,069 | 5.01% | $1,063,913 |
| 8 | $1,063,913 | $49,195 | $0 | $54,661 | 5.14% | $1,066,779 |
| 9 | $1,066,779 | $50,671 | $0 | $56,301 | 5.28% | $1,068,075 |
| 10 | $1,068,075 | $52,191 | $0 | $57,990 | 5.43% | $1,067,660 |
| 11 | $1,067,660 | $53,757 | $0 | $59,730 | 5.59% | $1,065,383 |
| 12 | $1,065,383 | $55,369 | $0 | $61,522 | 5.77% | $1,061,081 |
| 13 | $1,061,081 | $57,030 | $0 | $63,367 | 5.97% | $1,054,584 |
| 14 | $1,054,584 | $58,741 | $0 | $65,268 | 6.19% | $1,045,707 |
| 15 | $1,045,707 | $60,504 | $0 | $67,226 | 6.43% | $1,034,254 |
| 16 | $1,034,254 | $62,319 | $0 | $69,243 | 6.69% | $1,020,016 |
| 17 | $1,020,016 | $64,188 | $0 | $71,320 | 6.99% | $1,002,772 |
| 18 | $1,002,772 | $66,114 | $0 | $73,460 | 7.33% | $982,283 |
| 19 | $982,283 | $68,097 | $0 | $75,664 | 7.70% | $958,296 |
| 20 | $958,296 | $70,140 | $0 | $77,934 | 8.13% | $930,543 |
| 21 | $930,543 | $72,244 | $0 | $80,272 | 8.63% | $898,737 |
| 22 | $898,737 | $74,412 | $0 | $82,680 | 9.20% | $862,573 |
| 23 | $862,573 | $76,644 | $0 | $85,160 | 9.87% | $821,725 |
| 24 | $821,725 | $78,943 | $0 | $87,715 | 10.67% | $775,849 |
| 25 | $775,849 | $81,312 | $0 | $90,346 | 11.64% | $724,576 |
| 26 | $724,576 | $83,751 | $0 | $93,057 | 12.84% | $667,516 |
| 27 | $667,516 | $86,264 | $0 | $95,849 | 14.36% | $604,252 |
| 28 | $604,252 | $88,852 | $0 | $98,724 | 16.34% | $534,344 |
| 29 | $534,344 | $91,517 | $0 | $101,686 | 19.03% | $457,319 |
| 30 | $457,319 | $94,263 | $0 | $104,736 | 22.90% | $372,680 |
| 31 | $372,680 | $97,090 | $0 | $107,878 | 28.95% | $279,896 |
| 32 | $279,896 | $100,003 | $0 | $111,115 | 39.70% | $178,402 |
| 33 | $178,402 | $103,003 | $0 | $114,448 | 64.15% | $67,599 |
| 34 | $67,599 | $106,093 | $0 | $117,882 | 174.38% | $-53,149 |
什么 $36,000 每年可支撑的目的地费用
| 目的地 | 月度费用 | 已覆盖月数/年 | 全年花费与预算对比 |
|---|---|---|---|
| Pai Thailand · 含租金 | $2,356 | 15.3 | 79% |
| Kathmandu Nepal · 含租金 | $2,417 | 14.9 | 81% |
| Luang Prabang Laos · 含租金 | $2,771 | 13.0 | 92% |
| Siem Reap Cambodia · 含租金 | $2,782 | 12.9 | 93% |
| Da Nang Vietnam · 含租金 | $2,821 | 12.8 | 94% |
| Chiang Mai Thailand · 含租金 | $2,882 | 12.5 | 96% |
| Hoi An Vietnam · 含租金 | $2,882 | 12.5 | 96% |
| Hanoi Vietnam · 含租金 | $2,932 | 12.3 | 98% |
| Tirana Albania · 含租金 | $2,952 | 12.2 | 98% |
| Tbilisi Georgia · 含租金 | $3,052 | 11.8 | 102% |
| Kuala Lumpur Malaysia · 含租金 | $3,062 | 11.8 | 102% |
| Ho Chi Minh City Vietnam · 含租金 | $3,184 | 11.3 | 106% |
| Antigua Guatemala Guatemala · 含租金 | $3,214 | 11.2 | 107% |
| Oaxaca Mexico · 含租金 | $3,325 | 10.8 | 111% |
| Marrakech Morocco · 含租金 | $3,366 | 10.7 | 112% |
| Medellín Colombia · 含租金 | $3,425 | 10.5 | 114% |
| Lima Peru · 含租金 | $3,497 | 10.3 | 117% |
| Buenos Aires Argentina · 含租金 | $3,527 | 10.2 | 118% |
| Cusco Peru · 含租金 | $3,570 | 10.1 | 119% |
| Bangkok Thailand · 含租金 | $3,629 | 9.9 | 121% |
| Bali (Canggu and Ubud) Indonesia · 含租金 | $3,992 | 9.0 | 133% |
| Cartagena Colombia · 含租金 | $3,992 | 9.0 | 133% |
| Budapest Hungary · 含租金 | $4,022 | 8.9 | 134% |
| Mexico City Mexico · 含租金 | $4,031 | 8.9 | 134% |
| Rio de Janeiro Brazil · 含租金 | $4,053 | 8.9 | 135% |
| Istanbul Türkiye (Turkey) · 含租金 | $4,083 | 8.8 | 136% |
| Zanzibar (Stone Town and Paje) Tanzania · 含租金 | $4,196 | 8.6 | 140% |
| Prague Czechia · 含租金 | $4,244 | 8.5 | 141% |
| Las Palmas de Gran Canaria Spain · 含租金 | $4,374 | 8.2 | 146% |
| Cape Town South Africa · 含租金 | $4,396 | 8.2 | 147% |
| Seoul South Korea · 含租金 | $4,396 | 8.2 | 147% |
| Athens Greece · 含租金 | $4,609 | 7.8 | 154% |
| Porto Portugal · 含租金 | $4,626 | 7.8 | 154% |
| Playa del Carmen Mexico · 含租金 | $4,648 | 7.7 | 155% |
| Funchal (Madeira) Portugal · 含租金 | $4,657 | 7.7 | 155% |
| Kyoto Japan · 含租金 | $4,913 | 7.3 | 164% |
| Split Croatia · 含租金 | $5,013 | 7.2 | 167% |
| Lisbon Portugal · 含租金 | $5,261 | 6.8 | 175% |
| Tokyo Japan · 含租金 | $5,517 | 6.5 | 184% |
| Barcelona Spain · 含租金 | $5,817 | 6.2 | 194% |
月度费用（ 舒适 等级：单卧室租金估算（如有）加上非住宿日均估算 × 30.4，否则以日均总额 × 30.4 计算。编辑估算日期标注于各目的地页面，不含机票和保险。
采取任何行动前请先阅读本内容。 这是一个带有可编辑假设的教育模型。它不承诺投资组合将持续有效，不将任何计划标注为安全，在确定性视图中忽略回报序列风险，将税务简化为固定税率，且对你的居住地、医疗保障权益或货币风险敞口一无所知。请就法律与税务事项向相关国家的专业人士核实。
方法说明
Deterministic model: each year, spending (travel + healthcare) minus income (passive + pension + social) is withdrawn grossed up for the tax rate; the remainder grows at the net return (return − fees); spending inflates at the inflation rate and income at half of it. Starting balance = portfolio + cash − emergency reserve. Scenarios shift return by −2 / 0 / +1.5 points and inflation by +1 / 0 / −0.5. Monte Carlo draws lognormal returns calibrated to the arithmetic mean and volatility you enter. The destination table uses the same dated cost estimates as every other page. FIRE 旅行指南 →