{"id":18,"date":"2021-09-11T12:47:00","date_gmt":"2021-09-11T09:47:00","guid":{"rendered":""},"modified":"2022-05-23T18:42:19","modified_gmt":"2022-05-23T15:42:19","slug":"barista-fire-nedir","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2021\/09\/11\/barista-fire-nedir\/","title":{"rendered":"Barista FIRE Nedir?"},"content":{"rendered":"

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Herkese selamlar,<\/span><\/p>\n

Ge\u00e7en haftaki yaz\u0131mda<\/span><\/a> Coast FIRE hakk\u0131nda temel bilgiler vermi\u015f ve matematiksel altyap\u0131s\u0131ndan bahsetmi\u015ftim. Coast FIRE genel olarak \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u015fte mutsuz olup i\u015f ya da sekt\u00f6r de\u011fi\u015ftirmek isteyenler i\u00e7in uygun bir konsept. Bulundu\u011fu ortamda di\u015fini s\u0131k\u0131p 5 y\u0131lda hedefine ula\u015fmak yerine belli bir birikime sahip olup yeni heyecanlar denemek isteyenler taraf\u0131ndan ra\u011fbet g\u00f6rebilir. Cebinizde Coast FIRE yapacak kadar para varken kendi i\u015finizi kurmay\u0131 deneyebilir, ba\u015fka bir sekt\u00f6re ge\u00e7ebilir ya da 1 y\u0131l ara verip kafan\u0131z\u0131 toparlayabilirsiniz. Barista FIRE ise bu konsepte benziyor fakat biraz daha fazla birikim gerektiriyor. \u015eimdi neymi\u015f bu Barista FIRE bakal\u0131m.<\/span><\/p>\n

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T\u0131pk\u0131 Coast FIRE gibi bunun da bir matematiksel altyap\u0131s\u0131 var. Barista FIRE’da sahip oldu\u011funuz portf\u00f6yden t\u0131pk\u0131 klasik FIRE’da oldu\u011fu gibi her y\u0131l %4 oran\u0131nda para \u00e7ekim yap\u0131yorsunuz. Fakat bu \u00e7ekti\u011finiz para t\u00fcm harcamalar\u0131n\u0131za de\u011fil de belli bir miktar\u0131na yetecek kadar. \u00d6rne\u011fin y\u0131ll\u0131k harcaman\u0131z 100 bin tl ise bunun 50 bin TL’sini \u00e7al\u0131\u015ft\u0131\u011f\u0131n\u0131z i\u015ften 50 bin TL’sini ise portf\u00f6y\u00fcn\u00fczden kar\u015f\u0131larsan\u0131z klasik finansal \u00f6zg\u00fcrl\u00fc\u011fe g\u00f6re a\u015f\u0131r\u0131 stresli ve sizi y\u0131pratan i\u015finizi \u00e7ok daha erken b\u0131rakabilirsiniz. \u0130\u015fin s\u0131rr\u0131 \u00e7al\u0131\u015fma hayat\u0131ndan tamamen \u00e7\u0131kmadan yar\u0131 zamanl\u0131 bir i\u015fe ya da freelance \u00e7al\u0131\u015fmaya ge\u00e7mek ve dolay\u0131s\u0131yla hayat kalitenizi art\u0131rmak. <\/span><\/p>\n

Bu kavrama Barista FIRE denmesinin nedeni, ABD’de Starbucks ve baz\u0131 di\u011fer kahve zincirlerinin yar\u0131 zamanl\u0131 \u00e7al\u0131\u015fanlar\u0131na sa\u011fl\u0131k sigortas\u0131 hakk\u0131 tan\u0131mas\u0131. Herhangi bir i\u015fte \u00e7al\u0131\u015fmazken sa\u011fl\u0131k sigortan\u0131z\u0131 kendiniz \u00f6demek durumunda oldu\u011funuzdan, ger\u00e7ekte tam zamanl\u0131 \u00e7al\u0131\u015fmak zorunda olmayan ve portf\u00f6y\u00fc belli seviyeye eri\u015fmi\u015f ki\u015filer Starbucks’ta yar\u0131 zamanl\u0131 barista olarak \u00e7al\u0131\u015farak hem \u00fccretsiz sa\u011fl\u0131k sigortas\u0131ndan faydalan\u0131yor hem de portf\u00f6y\u00fcnden para \u00e7ekme oran\u0131n\u0131 s\u0131n\u0131rlayarak finansal \u00f6zg\u00fcrl\u00fck plan\u0131n\u0131 sa\u011flamla\u015ft\u0131r\u0131yor. \u00d6zellikle 2000’li y\u0131llardan itibaren olduk\u00e7a pop\u00fcler olan bu yakla\u015f\u0131m bu tarz kahve zincirlerinde sadece alt gelir seviyesinde ki\u015filer \u00e7al\u0131\u015f\u0131r alg\u0131s\u0131n\u0131 da y\u0131kmay\u0131 ba\u015farm\u0131\u015f durumda.<\/span><\/p>\n

Tabii ki sadece barista olarak \u00e7al\u0131\u015fmak zorunda de\u011filsiniz. Herhangi bir yar\u0131 zamanl\u0131 i\u015f ya da freelancer olarak \u00e7al\u0131\u015fmak da se\u00e7enekler aras\u0131nda. \u00d6nemli olan sahip oldu\u011funuz portf\u00f6ye g\u00f6re para \u00e7ekme oran\u0131n\u0131z\u0131 %4 ile s\u0131n\u0131rlayarak geri kalan harcamalar\u0131n\u0131z\u0131 bir \u015fekilde aktif geliriniz ile finanse etmek. \u00dccretli \u00f6\u011fretmenlik ya da dan\u0131\u015fmanl\u0131k yapabilir, ek i\u015f olarak ev-araba al\u0131p satabilir, mevsimlik i\u015f\u00e7i olarak bile \u00e7al\u0131\u015fabilirsiniz. Kazanman\u0131z gereken miktar normal \u00fccrete oranla d\u00fc\u015f\u00fck oldu\u011fu i\u00e7in can\u0131n\u0131z\u0131n istedi\u011fi kadar \u00e7al\u0131\u015f\u0131r hatta baz\u0131 aylar hi\u00e7 \u00e7al\u0131\u015fmadan kafa bile dinleyebilirsiniz. Finansal \u00f6zg\u00fcrl\u00fck i\u015fte bu kadar g\u00fc\u00e7l\u00fc.<\/span><\/p>\n

Barista FIRE konseptinin matematiksel altyap\u0131s\u0131n\u0131 merak eden ve kendi rakam\u0131n\u0131 hesaplamak isteyenler i\u00e7in linki b\u0131rak\u0131yorum. Usd ya da TL baz\u0131nda hesap yapabilir, i\u015finizi ne zaman b\u0131rakabilece\u011finizi belirleyebilirsiniz.<\/span><\/p>\n

Barista FIRE hesaplama<\/a><\/span><\/span><\/p>\n

Kendim i\u00e7in haz\u0131rlad\u0131\u011f\u0131m \u00f6rnek \u00fczerinden anlatay\u0131m. Rakamlar usd g\u00f6r\u00fcn\u00fcyor ama siz onlar\u0131 TL olarak d\u00fc\u015f\u00fcnebilirsiniz.<\/span><\/p>\n

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\u015eu anda 33 ya\u015f\u0131nday\u0131m ve 1.35 mn TL’lik bir yat\u0131r\u0131m portf\u00f6y\u00fcm var. Barista FIRE sonras\u0131 120 bin TL’lik y\u0131ll\u0131k harcamay\u0131 finanse etmek i\u00e7in ayl\u0131k 4 bin TL’lik bir i\u015fte \u00e7al\u0131\u015ft\u0131\u011f\u0131m\u0131 d\u00fc\u015f\u00fcnelim. Y\u0131ll\u0131k %10 reel getiri(%25-%15 enflasyon) ile Barista FIRE’a ula\u015fmak i\u00e7in 2 y\u0131l daha bulundu\u011fum i\u015fte \u00e7al\u0131\u015fmam gerekiyor. Daha sonras\u0131nda yar\u0131 zamanl\u0131 i\u015fimde ayda 4 bin TL’ye \u00e7al\u0131\u015farak 40 ya\u015f\u0131nda klasik finansal \u00f6zg\u00fcr olabiliyorum. E\u011fer \u015fu anki i\u015fimi b\u0131rakmaz isem 4 y\u0131l daha \u00e7al\u0131\u015farak 37 ya\u015f\u0131nda klasik FIRE’a eri\u015febiliyorum. Burada daha \u00f6nce de s\u00f6yledi\u011fim gibi \u015fu anki i\u015finizde ne kadar mutsuz oldu\u011funuz \u00f6ne \u00e7\u0131k\u0131yor. E\u011fer bir an \u00f6nce i\u015fi b\u0131rakmak istiyorsam barista FIRE maceras\u0131na at\u0131larak erken emeklilik hayat\u0131n\u0131n tad\u0131na bakabilirim. Veya birka\u00e7 y\u0131l daha di\u015fimi s\u0131karak 37 ya\u015f\u0131nda klasik finansal \u00f6zg\u00fcrl\u00fc\u011fe eri\u015febilirim.<\/span><\/p>\n

Sizin Barista FIRE rakam\u0131n\u0131z nedir? Yar\u0131 zamanl\u0131 \u00e7al\u0131\u015fmay\u0131 d\u00fc\u015f\u00fcn\u00fcr m\u00fcyd\u00fcn\u00fcz?<\/span><\/p>\n

Okudu\u011funuz i\u00e7in te\u015fekk\u00fcr ederim.<\/span><\/p>\n

Bay Tutumlu<\/span><\/p>\n

 <\/span><\/p>\n


<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Herkese selamlar, Ge\u00e7en haftaki yaz\u0131mda Coast FIRE hakk\u0131nda temel bilgiler vermi\u015f ve matematiksel altyap\u0131s\u0131ndan bahsetmi\u015ftim. Coast FIRE genel olarak \u00e7al\u0131\u015ft\u0131\u011f\u0131 i\u015fte mutsuz olup i\u015f ya…<\/p>\n","protected":false},"author":2,"featured_media":115,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"advanced_seo_description":"","jetpack_seo_html_title":"","jetpack_seo_noindex":false,"jetpack_post_was_ever_published":false,"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":false,"jetpack_social_options":{"image_generator_settings":{"template":"highway","enabled":false}}},"categories":[13,3,8,6],"tags":[],"class_list":["post-18","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-barista-fire","category-erken-emeklilik","category-finansal-ozgurluk","category-fire","entry","double"],"jetpack_publicize_connections":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/baytutumlu.com\/wp-content\/uploads\/2021\/09\/coffee-984328_1920.jpg?fit=1024%2C683&ssl=1","jetpack-related-posts":[],"jetpack_sharing_enabled":true,"jetpack_likes_enabled":true,"_links":{"self":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/18","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/comments?post=18"}],"version-history":[{"count":2,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/18\/revisions"}],"predecessor-version":[{"id":193,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/18\/revisions\/193"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/115"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=18"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=18"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=18"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}