假如在38岁时手握200万，有车有房，可以直接退休吗？ 新泰征婚、新泰征婚、交友信息：：：
38\u5c81\uff0c\u6709\u8f66\u6709\u623f+\u4e24\u767e\u4e07\u5b58\u6b3e\uff0c\u60f3\u73b0\u5728\u9000\u4f11\u53ef\u4ee5\u5417\u5176\u5b9e\u5427 \u4eba\u751f\u5c31\u662f\u8bf4\u8d70\u5c31\u8d70\u7684\u65c5\u884c \u4e0d\u7528\u5728\u4e4e\u4f60\u5b58\u4e86\u591a\u5c11\u94b1 \u53ea\u8981\u4f60\u60f3\u8d70 \u54ea\u91cc\u90fd\u80fd\u8d70
\u5f81\u5a5a\u3001\u4ea4\u53cb\u9996\u9009\u6cf0\u5b89\u4e9a\u592a\u5a5a\u4ecb\uff0c\u8054\u7cfb\u96f6\u4e94\u4e09\u516b---------\u516b\u4e8c\u4e8c\u4e94\u4e00\u56db\u516b
1.\u5973\uff0c21\u5c81\uff0c 1.65\u7c73\uff0c\u672a\u5a5a\uff0c\u516c\u53f8\u804c\u5458\uff0c\u6587\u9759\uff0c\u8c8c\u7f8e\uff0c\u6c14\u8d28\u4f73\uff0c\u89c522-35\u5c81\uff0c\u613f\u4e0e\u6211\u4e00\u751f\u7275\u624b\u7684\u7537\u5b69\u3002
2.\u5973\uff0c22\u5c81\uff0c1.68\u7c73\uff0c\u672a\u5a5a\uff0c\u7ecf\u5546\uff0c\u6027\u683c\u5f00\u6717\uff0c\u7f8e\u4e3d\u6e29\u67d4\uff0c\u89c530\u5c81\u4ee5\u4e0b\uff0c\u6709\u7ecf\u5546\u5934\u8111\u6216\u6709\u56fa\u5b9a\u5de5\u4f5c\u7684\u7537\u5b50\u5171\u5ea6\u4eca\u751f\u3002
3.\u5973\uff0c24\u5c81\uff0c1.63\u7c73\uff0c\u672a\u5a5a\uff0c\u4e2a\u4f53\u7ecf\u8425\u6237\uff0c\u7f8e\u4e3d\u5927\u65b9\uff0c\u7cbe\u660e\u80fd\u5e72\uff0c\u89c5\u6709\u4f4f\u623f\uff0c\u6709\u8f66\uff0c\u4e8b\u4e1a\u6709\u6210\uff0c\u6709\u7d20\u8d28\uff0c\u5bb6\u5ead\u89c2\u5ff5\u5f3a\u7684\u7537\u58eb\u4e3a\u4f34\u3002
4.\u5973\uff0c25\u5c81\uff0c1.61\u7c73\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u4e8b\u4e1a\u5355\u4f4d\u804c\u5458\uff0c\u672a\u5a5a\uff0c\u7231\u597d\u5e7f\u6cdb\uff0c\u5fc3\u5730\u5584\u826f\uff0c\u70ed\u60c5\u5927\u65b9\uff0c\u6b32\u5bfb\u89c5\u4e00\u4f4d32\u5c81\u4ee5\u4e0b\uff0c\u7ecf\u6d4e\u826f\u597d\u80fd\u529b\u5f3a\u7684\u7537\u58eb\u3002
5.\u5973\uff0c27\u5c81\uff0c\u672a\u5a5a\uff0c1.62\u7c73\uff0c\u4e2a\u4f53\u7ecf\u8425\uff0c\u65f6\u5c1a\uff0c\u79c0\u5916\u6167\u4e2d\uff0c\u6e29\u5a49\u53ef\u4eba\uff0c\u5bfb\u89c5\u5927\u4e13\u5b66\u5386\uff0c\u6709\u4e8b\u4e1a\u5fc3\u4e4b\u7537\u5b50\u3002
6.\u5973\uff0c26\u5c81\uff0c\u77ed\u5a5a\u672a\u80b2\uff0c1.65\u7c73\uff0c\u70ed\u60c5\u5927\u65b9\uff0c\u81ea\u4fe1\u7231\u751f\u6d3b\uff0c\u89c5\u672c\u5e0235\u5c81\u4ee5\u4e0b\u4f18\u79c0\u7537\u58eb\u4e3a\u4f34\u3002
7.\u5973\uff0c25\uff0c\u672a\u5a5a\uff0c1.64\u7c73\uff0c\u5bfc\u8d2d\uff0c\u957f\u76f8\u6e05\u4e3d\u53ef\u4eba\uff0c\u6027\u683c\u6e29\u548c\uff0c\u548c\u6211\u4e00\u8d77\u4f60\u4f1a\u611f\u5230\u65e0\u9650\u7684\u5feb\u4e50\u3002
8.\u5973\uff0c26\u5c81\uff0c1.64\u7c73\uff0c\u672a\u5a5a\uff0c\u4e2a\u4f53\u7ecf\u8425\uff0c\u6027\u683c\u5f00\u6717\uff0c\u7f8e\u4e3d\u5927\u65b9\uff0c\u89c527-30\u5c81\u4ee5\u4e0b\u7684\u613f\u4e0e\u6211\u5171\u5ea6\u4eca\u751f\u7684\u7537\u5b69\u3002
9.\u5973\uff0c28\u5c81\uff0c1.65\u7c73\uff0c\u672a\u5a5a\uff0c\u5927\u5b66\u4e13\u79d1\uff0c\u67d0\u5916\u4f01\u7ba1\u7406\uff0c\u6587\u9759\uff0c\u5584\u826f\uff0c\u6709\u4fee\u517b\uff0c\u89c5\u5e74\u9f84\u76f8\u5f53\uff0c\u8bda\u5b9e\u7a33\u91cd\u6709\u7231\u5fc3\u7684\u7537\u5b50\u3002
10.\u5973\uff0c26\u5c81\uff0c1.64\u7c73\uff0c\u77ed\u5a5a\u672a\u80b2\uff0c\u5927\u5b66\u672c\u79d1\uff0c\u4e8b\u4e1a\u5355\u4f4d\u5de5\u4f5c\uff0c\u81ea\u8eab\u6761\u4ef6\u597d\uff0c\u5bb6\u5ead\u6761\u4ef6\u4e5f\u597d\uff0c\u60f3\u627e\u5230\u4e00\u4f4d\u6709\u5171\u540c\u8bed\u8a00\uff0c\u98ce\u8da3\u5e7d\u9ed8\u7684\u7537\u58eb\u5171\u5ea6\u672a\u6765\u3002
11.\u5973\uff0c25\u5c81\uff0c1.64\u7c73\uff0c\u672a\u5a5a\uff0c\u4ece\u4e8b\u4e2a\u4f53\uff0c\u6e29\u67d4\u5927\u65b9\uff0c\u89c5\u5e74\u9f84\u76f8\u5f53\u6709\u8d23\u4efb\u611f\u7684\u6709\u7f18\u4eba\u3002
12.\u5973\uff0c27\u5c81\uff0c1.62\u7c73\uff0c\u672a\u5a5a\uff0c\u6e29\u6587\u5c14\u96c5\uff0c\u5c0f\u5bb6\u78a7\u7389\uff0c\u4e8b\u4e1a\u6709\u6210\uff0c\u613f\u610f\u572840\u5c81\u4ee5\u4e0b\u7684\u6240\u6709\u4f18\u79c0\u7537\u58eb\u4e2d\uff0c\u627e\u5bfb\u5c5e\u4e8e\u81ea\u5df1\u7684\u90a3\u4efd\u771f\u7231\u3002
13.\u5973\uff0c27\u5c81\uff0c1.67\u7c73\uff0c\u672a\u5a5a\uff0c\u5f62\u8c61\u6c14\u8d28\u4f73\uff0c\u81ea\u4fe1\uff0c\u6709\u5b5d\u5fc3\uff0c\u4e8b\u4e1a\u5fc3\u5f3a\uff0c\u6b32\u5bfb\u4e00\u4f4d\u6709\u80fd\u529b\u8f83\u5f3a\u7684\u7537\u5b50\u771f\u5fc3\u5b9e\u610f\u8fc7\u4e00\u751f\u3002
14.\u5973\uff0c27\u5c81\uff0c1.66\u7c73\uff0c\u672a\u5a5a\uff0c\u516c\u53f8\u804c\u5458\uff0c\u8f83\u597d\u7684\u9762\u5bb9\uff0c\u770b\u5230\u6211\u4f1a\u4f7f\u4f60\u773c\u524d\u4e00\u4eae\uff0c\u89c5\u4e00\u4f4d\u5e74\u9f84\u76f8\u5f53\uff0c\u6709\u5171\u540c\u8bed\u8a00\uff0c\u98ce\u8da3\u5e7d\u9ed8\u7684\u7537\u58eb\u5171\u5ea6\u4e00\u751f\u3002
15.\u5973\uff0c27\u5c81\uff0c1.68\u7c73\uff0c\u79bb\u5f02\u5e26\u4e00\u513f\u5b50\uff0c\u5355\u4f4d\u804c\u5de5\uff0c\u6708\u6536\u5165\u5343\u5143\u4ee5\u4e0a\uff0c\u6c14\u8d28\u597d\uff0c\u6027\u683c\u5f00\u6717\uff0c\u89c530-38\u5c81\uff0c\u6709\u4f4f\u623f\u6709\u8d23\u4efb\u5fc3\u771f\u8bda\u6709\u7f18\u4eba\u3002
16.\u5973,28\u5c81\uff0c1.66\u7c73\uff0c\u672a\u5a5a\uff0c\u516c\u53f8\u7ba1\u7406\u4eba\u5458\uff0c\u5927\u5b66\u4e13\u79d1\uff0c\u81ea\u8eab\u6761\u4ef6\u597d\uff0c\u89c5\u5e74\u9f84\u76f8\u5f53\uff0c\u6709\u7ecf\u8425\u5934\u8111\uff0c\u6216\u6709\u56fa\u5b9a\u5de5\u4f5c\u7684\u7537\u5b50\u5171\u5ea6\u672a\u6765\u3002
17.\u5973\uff0c28\u5c81\uff0c1.62\u7c73\uff0c\u672a\u5a5a\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u4e3a\u4eba\u8c26\u548c\uff0c\u5584\u826f\uff0c\u4e3a\u4e86\u5fc3\u4e2d\u7684\u90a3\u4efd\u771f\u60c5\uff0c\u5979\u4f9d\u7136\u5728\u7b49\u5f85\u2026
18.\u5973\uff0c28\u5c81\uff0c1.67\u7c73\uff0c\u77ed\u5a5a\u672a\u80b2\uff0c\u4e2a\u4f53\u7ecf\u8425\uff0c\u8eab\u6750\u597d\uff0c\u6c14\u8d28\u4f73\uff0c\u5bfb29-35\u5c81\uff0c\u8eab\u9ad81.75\u7c73\u4ee5\u4e0a\uff0c\u6709\u623f\uff0c\u6709\u56fa\u5b9a\u6536\u5165\u7684\u6210\u529f\u7537\u58eb\u3002
19.\u5973\uff0c29\u5c81\uff0c\u672a\u5a5a\uff0c1.62\u7c73\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u901a\u60c5\u8fbe\u7406\uff0c\u5584\u89e3\u4eba\u610f\uff0c\u5bfb\u672c\u5e02\u6210\u529f\u7537\u58eb\u3002
20.\u5973\uff0c29\u5c81\uff0c1.71\u7c73\uff0c\u672a\u5a5a\uff0c\u6027\u683c\u5f00\u6717\uff0c\u81ea\u4fe1\u5927\u65b9\uff0c\u89c5\u5e74\u9f84\u76f8\u5f53\u6210\u719f\uff0c\u53ef\u9760\uff0c\u6709\u4e00\u5b9a\u80fd\u529b\u7684\u7537\u5b50\u3002
21.\u5973\uff0c34\u5c81\uff0c1.62\u7c73\uff0c\u79bb\u5f02\u5e26\u513f\u5b50\uff0c\u4ece\u4e8b\u4e2a\u4f53\uff0c\u5f00\u6717\u4e50\u89c2\uff0c\u8bda\u89c5\uff1a35-40\u5c81\uff0c\u6709\u623f\uff0c\u6709\u8d23\u4efb\u611f\u7684\u7537\u58eb\u3002
22.\u5973\uff0c33\u5c81\uff0c1.60\u7c73\uff0c\u672a\u5a5a\uff0c\u4ece\u4e8b\u4e2a\u4f53\uff0c\u81ea\u8eab\u6761\u4ef6\u597d\uff0c\u60f3\u627e\u4e00\u4f4d\u6709\u8d23\u4efb\uff0c\u4eba\u54c1\u597d\uff0c\u80fd\u771f\u5fc3\u5173\u7231\u6211\u7684\u7537\u4eba\u4e0e\u6211\u5171\u5ea6\u672a\u6765\u3002
23.\u5973\uff0c34\u5c81\uff0c1.69\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u4e2a\u4f53\uff0c\u6709\u7231\u5fc3\uff0c\u91cd\u611f\u60c5\uff0c\u5fc3\u5730\u5584\u826f\uff0c\u89c535-42\u5c81\uff0c\u8eab\u9ad81.75\u7c73\u4ee5\u4e0a\u5f62\u8c61\u6c14\u8d28\u597d\u7684\u7537\u58eb\u3002
24.\u5973\uff0c34\u5c81\uff0c\u672a\u5a5a\uff0c\u4e27\u5076\u5e26\u4e00\u5973\u5b69\uff0c\u73b0\u4ece\u4e8b\u4e2a\u4f53\uff0c\u65e0\u8d1f\u62c5\uff0c\u89c535-40\u5c81\u6709\u4f4f\u623f\uff0c\u4eba\u54c1\u597d\uff0c\u5fc3\u5730\u5584\u826f\u7684\u7537\u58eb\u3002
25.\u5973\uff0c35\u5c81\uff0c\u672a\u5a5a\uff0c1.62\u7c73\uff0c\u5355\u4f4d\u6b63\u5f0f\u804c\u5de5\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u7a33\u91cd\u5927\u65b9\uff0c\u7231\u6574\u6d01\uff0c\u7231\u770b\u4e66\uff0c\u6b63\u5728\u82e6\u82e6\u5bfb\u89c5\u751f\u547d\u4e2d\u7684\u53e6\u4e00\u4f34\u3002
26.\u5973\uff0c34\u5c81\uff0c1.66\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u4ece\u4e8b\u4e2a\u4f53\uff0c\u6e29\u67d4\u8d24\u6dd1\uff0c\u6709\u623f\uff0c\u5bfb\u89c5\u672c\u5e0235-42\u5c81\u7684\u6210\u529f\u7537\u58eb\u4e3a\u4f34\u3002
27.\u5973\uff0c36\u5c81\uff0c1.60\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u4ece\u4e8b\u4e2a\u4f53\u7ecf\u8425\uff0c\u8c41\u8fbe\u5f00\u6717\uff0c\u5bfb\u89c5\u5e74\u9f8434-46\u5c81\u7684\u7537\u58eb\uff0c\u6709\u4f4f\u623f\uff0c\u505a\u751f\u610f\u7684\u6700\u597d\u3002
28.\u5973\uff0c36\u5c81\uff0c1.64\u7c73\uff0c\u79bb\u5f02\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u7ecf\u5546\uff0c\u4e3a\u4eba\u8ba4\u771f\u6267\u7740\uff0c\u806a\u660e\u80fd\u5e72\uff0c\u613f\u7528\u4e00\u9897\u771f\u8bda\u7684\u5fc3\u7b49\u5f85\u4ed6\u7684\u5230\u6765\u3002
29.\u5973\uff0c38\u5c81\uff0c1.67\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u4ece\u4e8b\u4e2a\u4f53\u5de5\u4f5c\uff0c\u6709\u7231\u5fc3\uff0c\u91cd\u611f\u60c5\uff0c\u8c8c\u7f8e\u6c14\u4f73\uff0c\u89c5\u5e74\u9f84\u572842\u5c81\u4ee5\u4e0b\u4e2d\u4e13\u4ee5\u4e0a\u5b66\u5386\uff0c\u6709\u4f4f\u623f\uff0c\u4eba\u54c1\u597d\uff0c\u6709\u9ad8\u7b49\u7d20\u8d28\u5bb6\u5ead\u89c2\u5ff5\u7684\u7537\u58eb\u4e3a\u4f34\u4fa3\u3002
30.\u5973\uff0c42\u5c81\uff0c1.66\u7c73\uff0c\u77ed\u5a5a\u672a\u80b2\uff0c\u5355\u4f4d\u804c\u5458\uff0c\u76f8\u8c8c\u7aef\u5e84\uff0c\u901a\u60c5\u8fbe\u7406\uff0c\u7231\u751f\u6d3b\uff0c\u89c540\u5c81\u4ee5\u4e0b\uff0c\u6709\u56fa\u5b9a\u6536\u5165\uff0c\u6709\u4f4f\u623f\uff0c\u7d20\u8d28\u9ad8\u7684\u7537\u58eb\u91cd\u5efa\u5bb6\u56ed\u3002
31.\u5973\uff0c37\u5c81\uff0c1.65\u7c73\uff0c\u79bb\u5f02\uff0c\u4ece\u4e8b\u9910\u996e\u751f\u610f\u591a\u5e74\uff0c\u6027\u683c\u5f00\u6717\uff0c\u7f8e\u8c8c\u6c14\u4f73\uff0c\u89c5\u5e74\u9f84\u572842\u5c81\u4ee5\u4e0b\u5171\u540c\u7275\u624b\u4e00\u751f\u3002
32.\u5973\uff0c39\u5c81\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c1.62\u7c73\uff0c\u7ecf\u5546\uff0c\u5e74\u8f7b\u6f02\u4eae\uff0c\u6536\u5165\u7a33\u5b9a\uff0c\u6f2b\u6f2b\u65c5\u9014\u5bfb\u627e\u6709\u7f18\u7684\u4f60\u3002
33.\u5973\uff0c36\u5c81\uff0c1.64\u7c73\uff0c\u672a\u5a5a\uff0c\u67d0\u95e8\u8bca\u533b\u5e08\uff0c\u6587\u9759\u5927\u65b9\uff0c\u5584\u826f\u53ef\u4eb2\uff0c\u5bfb35-41\u5c81\u7684\u5a5a\u53f2\u4e0d\u9650\u4f18\u79c0\u7537\u58eb\u3002
34.\u5973\uff0c38\u5c81\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c1.63\u7c73\uff0c\u6211\u9009\u62e9\u7231\u4eba\u7684\u6807\u51c6\u662f\u4eba\u5fc3\u597d\uff0c\u5176\u6b21\u662f\u8981\u6709\u5171\u540c\u8bed\u8a00\uff0c\u518d\u8005\u5c31\u662f\u6709\u4efd\u56fa\u5b9a\u6536\u5165\u3002
35.\u5973\uff0c35\u5c81\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c1.61\u7c73\uff0c\u6e29\u6587\u5c14\u96c5\uff0c\u7aef\u5e84\u5927\u65b9\uff0c\u8bda\u89c537-45\u5c81\u4e4b\u95f4\u6709\u4f4f\u623f\uff0c\u6709\u56fa\u5b9a\u6536\u5165\u7684\u7537\u58eb\u4e3a\u4f34\u3002
36.\u5973\uff0c35\u5c81\uff0c\u79bb\u5f02\u65e0\u5b69\u5b50\uff0c1.70\u7c73\uff0c\u7ecf\u5546\uff0c\u6210\u719f\u7a33\u91cd\uff0c\u80fd\u5403\u82e6\u8010\u52b3\uff0c\u89c538-42\u5c81\uff0c\u6709\u4f4f\u623f\uff0c\u56fa\u5b9a\u6536\u5165\uff0c\u6709\u7231\u5fc3\u7684\u7537\u58eb\u3002
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91.\u7537\uff0c35\u5c81\uff0c1.74\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u7ecf\u5546\uff0c\u4e3a\u4eba\u7cbe\u5e72\uff0c\u6709\u4f4f\u623f\u4e09\u5957\uff0c\u5bfb\u89c526-34\u5c81\u4e4b\u95f4\u7ecf\u5546\u7684\u5973\u5b50\u4e3a\u4f34\u3002
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94\u7537\uff0c39\u5c81\uff0c1.76\u7c73\uff0c\u672a\u5a5a\uff0c\u516c\u53f8\u804c\u5458\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u8bda\u5b9e\u53ef\u9760\uff0c\u7a33\u91cd\uff0c\u89c5\u6761\u4ef6\u76f8\u5f53\u7684\u672a\u5a5a\u4e4b\u5b50\u5973\u3002
95\u7537\uff0c38\u5c81\uff0c1.72\u7c73\uff0c\u79bb\u5f02\u5e26\u4e00\u5973\u5b69\uff0c\u67d0\u4e8b\u4e1a\u5355\u4f4d\u5de5\u4f5c\uff0c\u6709\u4f4f\u623f\uff0c\u4e3a\u4eba\u771f\u8bda\uff0c\u89c535\u5c81\u5de6\u53f3\uff0c\u5fc3\u5730\u5584\u826f\uff0c\u6e29\u67d4\u8d24\u60e0\u7684\u5973\u58eb\u3002
96\uff0c\u7537\uff0c38\u5c81\uff0c1.78\u7c73\uff0c\u5927\u4e13\u5b66\u5386\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u7ecf\u5546\u4e14\u4e8b\u4e1a\u6709\u6210\uff0c\u6709\u8f66\uff0c\u6709\u623f\uff0c\u6b64\u4eba\u5e73\u6613\u8fd1\u4eba\uff0c\u5e7d\u9ed8\u98ce\u8da3\uff0c\u5973\u58eb\u4eec\uff0c\u8c01\u613f\u4e0e\u4ed6\u8c08\u573a\u604b\u5462\uff1f
97\uff0c\u7537\uff0c40\u5c81\uff0c1.75\u7c73\uff0c\u79bb\u5f02\u4e0d\u5e26\u5b69\u5b50\uff0c\u672c\u79d1\u5b66\u5386\uff0c\u7ecf\u5546\uff0c\u4e3a\u4eba\u968f\u548c\uff0c\u6709\u8f66\uff0c\u6709\u623f\uff0c\u6b32\u5bfb\u4e8b\u4e1a\u5355\u4f4d\u6216\u7ecf\u5546\u768435\u5c81\u4ee5\u4e0b\u7684\u5973\u5b50\u4e3a\u4f34\u3002
98\uff0c\u7537\uff0c28\u5c81\uff0c1.72\u7c73\uff0c\u672a\u5a5a\uff0c\u67d0\u5355\u4f4d\u7ba1\u7406\uff0c\u8bda\u5b9e\uff0c\u5584\u826f\uff0c\u89c524-31\u5c81\uff0c\u5a5a\u53f2\u4e0d\u9650\u957f\u76f8\u79c0\u4e3d\uff0c\u5fc3\u5730\u5584\u826f\u3002
99\uff0c\u7537\uff0c32\u5c81\uff0c\u672a\u5a5a\uff0c1.69\u7c73\uff0c\u53a8\u5e08\uff0c\u6708\u6536\u51652000\u5143\uff0c\u5584\u826f\u91cd\u611f\u60c5\uff0c\u5bfb\u6761\u4ef6\u76f8\u5f53\u7684\u672a\u5a5a\u5973\u58eb\u3002
100.\u7537\uff0c35\u5c81\uff0c1.73\u7c73\uff0c\u79bb\u5f02\u5e26\u4e00\u513f\u5b50\uff0c\u4e2a\u4f53\u7ecf\u8425\uff0c\u6709\u7a33\u5b9a\u7684\u7ecf\u6d4e\u6536\u5165\uff0c\u6709\u4f4f\u623f\uff0c\u89c5\u5e74\u9f84\u76f8\u4eff\uff0c\u5fc3\u5730\u5584\u826f\uff0c\u53ef\u4ee5\u5e26\u5973\u5b69\uff0c\u6700\u597d\u6709\u6536\u5165\u5973\u58eb\u3002
财富自由可以说是几乎所有职场人的心愿，人生不过几十年，谁不想自由自在地做自己想做的事情。
正好我今天看到看到赵慕鹤的故事，他这一辈子其实很普通，但退休后开始活出另一番精彩。86岁开始考大学，91岁考研，105岁考博士，脑子变灵活了，身体变好了，非常精彩的老人。
其实38岁到底能不能退休，一是物质条件是否允许，二是选择过什么样的生活方式。
现在生活节奏快，压力大，能有一个3天小长假已实属不易，更何况是可以提前退休，选择一种相对安逸的方式生活，或者采菊东篱下，或者周游世界，感受异域风情，岂不美哉？
38岁，存款200万，有车有房，这在目前的中国社会算多吗？看在哪个城市了，如果是一线城市，只能算小康水平，至少要有上千万的存款和稳定可观的收入才能算是中产。所以你目前所拥有的财富还得评估下自己城市的生活水平和未来的走向。
至少在我看来，现在退休看起来还不能够。需要考虑以下两方面的因素：
1、退休后的生活方式
38岁，不出意外的话，距离正常寿终正寝还有四五十年的时间，也算是半辈子了。如果仅仅是日常生活所需，没有购买奢侈品的习惯，生活相对勤俭节约，基本上可以维持下半生的基本生活。但是如果想过得更潇洒一点，本来的消费水平也不低的情况下，偶尔还想去旅游看世界，200万的存款对于40多年的下半辈子毫无疑问是不够的，况且我们还没有计算物价上涨的生活成本。
所以看你选择哪种生活方式，如果是后者，你起码需要拿出一大部分钱去做比较可靠的投资，或者偶尔接下项目做些兼职，否则你的生活质量势必会下降，坐吃山空。
以上情况，我们都没有把一些意外突发情况算入其中，比如投资失败、大病、子女等等。这样想想，想得到安逸的生活势必需要一定的付出。
2、你还有哪些负担？
这是一个很现实的问题需要去思考的，它直接关系到你未来几十年的大额支出。
你38岁退休了，你的存款只需要花在你一个人身上吗？你是否有年迈的父母需要赡养，是否有孩子需要扶持教育或者结婚。这两项是应尽的责任和义务，并且需要长期的支出。除此之外，是否会有其他负担需要你花掉很多的生活成本？
之前有个新闻，说的是一个千万富婆每天去扫大街，为她为什么？她说，因为孩子快毕业了，她想让孩子树立工作的正确态度。
想明白以上两点，你就大概知道你该不该退休？什么时候退休比较合适？我的建议是如果你最近真的比较累，不管如何调整状态都很厌烦工作，你不妨可以放下当前的工作，给自己两个月的时间去休假，以你自己喜欢的方式提前体验退休后的生活，看看你是否真的可以适应并且享受其中。
有时候，人一停下来，反而慌了。
我是傅一声，重要的事情只说一声！微信公众号【傅一声】ID：fuyisheng2014
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