{"id":19,"date":"2021-09-04T13:25:00","date_gmt":"2021-09-04T10:25:00","guid":{"rendered":""},"modified":"2022-05-23T18:42:12","modified_gmt":"2022-05-23T15:42:12","slug":"coast-fire-nedir","status":"publish","type":"post","link":"https:\/\/baytutumlu.com\/index.php\/2021\/09\/04\/coast-fire-nedir\/","title":{"rendered":"Coast FIRE Nedir?"},"content":{"rendered":"
<\/div>\n

<\/p>\n

<\/a><\/div>\n
<\/div>\n
Herkese selamlar,<\/div>\n
<\/div>\n
Finansal \u00f6zg\u00fcrl\u00fck kavram\u0131 2000’lerin ba\u015f\u0131nda Mr. Money Mustache takma adl\u0131 Peter Jonathan Adeney’in blogundaki payla\u015f\u0131mlar\u0131yla geni\u015f kitleler taraf\u0131ndan tan\u0131nd\u0131 ve yay\u0131lmaya ba\u015flad\u0131. Ba\u015flang\u0131\u00e7ta yaln\u0131zca %4 kural\u0131na ba\u011fl\u0131 matematiksel altyap\u0131s\u0131 ile bir\u00e7ok kaynakta yer bulan FIRE(financial independence retire early) yani finansal \u00f6zg\u00fcrl\u00fck erken emeklilik kavram\u0131 sonraki y\u0131llarda dallan\u0131p budaklanarak farkl\u0131 isimler almaya ba\u015flad\u0131. LeanFIRE, FatFIRE, CoastFIRE, Barista FIRE, Slow FIRE gibi bir\u00e7ok \u00e7e\u015fidi ortaya \u00e7\u0131kan bu kavram\u0131n bug\u00fcn Coast FIRE k\u0131sm\u0131n\u0131 anlatmak istiyorum. \u00d6yleyse ba\u015flayal\u0131m.<\/div>\n
<\/div>\n

<\/span><\/a><\/span><\/p>\n

Coast FIRE, finansal \u00f6zg\u00fcrl\u00fck konseptine a\u015fina olan \u00e7o\u011fu ki\u015finin bu kavramlar\u0131 ara\u015ft\u0131r\u0131rken kar\u015f\u0131s\u0131na \u00e7\u0131km\u0131\u015ft\u0131r. \u00d6ncelikle klasik FIRE kavram\u0131n\u0131 hat\u0131rlayal\u0131m. Klasik FIRE %4 kural\u0131na g\u00f6re y\u0131ll\u0131k harcamalar\u0131n\u0131z\u0131n 25 kat\u0131 b\u00fcy\u00fckl\u00fc\u011f\u00fcnde bir yat\u0131r\u0131m portf\u00f6y\u00fcne sahip olman\u0131z\u0131 ve her y\u0131l portf\u00f6y\u00fcn\u00fcz\u00fcn %4’l\u00fck k\u0131sm\u0131 ile g\u00fcnl\u00fck harcamalar\u0131n\u0131z\u0131 kar\u015f\u0131layarak herhangi bir ek gelir olmadan ya\u015fayabilece\u011finizi ifade eder. Buradaki %4’l\u00fck k\u0131s\u0131m her y\u0131l enflasyon oran\u0131nda art\u0131r\u0131lmal\u0131d\u0131r. \u00d6rne\u011fin y\u0131ll\u0131k harcamalar\u0131n\u0131z 20 bin usd ise toplamda 500 bin usd’lik bir portf\u00f6ye sahip olman\u0131z finansal \u00f6zg\u00fcrl\u00fck i\u00e7in yeterlidir. Her y\u0131l 20 bin usd, dolar enflasyonu oran\u0131nda art\u0131r\u0131larak portf\u00f6yden \u00e7ekilebilir. 20 bin usd’yi pasif gelirlerden elde edebilece\u011finiz gibi hisse senedi ve tahvil satarak da g\u00fcnl\u00fck harcamalar\u0131n\u0131z\u0131 finanse edebilirsiniz.<\/div>\n
<\/div>\n
Coast FIRE ise klasik FIRE’dan farkl\u0131 olarak y\u0131ll\u0131k harcamalar\u0131n\u0131z\u0131n 25 kat\u0131 kadar portf\u00f6ye sahip olmasan\u0131z bile erken emekli olabilece\u011finizi s\u00f6yler. Peki nas\u0131l? \u00d6nceki 20 bin usd \u00f6rne\u011fine geri d\u00f6nersek, \u015fu anki portf\u00f6y\u00fcn\u00fcz 100 bin usd olsun. Ayl\u0131k olarak portf\u00f6y\u00fcn\u00fcze 1000 usd ekleme yap\u0131yorsunuz ve y\u0131ll\u0131k usd baz\u0131nda %10 reel getiriniz var. Enflasyon %3 yani nominal getiriniz %13 oluyor bu durumda. Bu \u015fartlara sahip 30 ya\u015f\u0131nda olan ve 45 ya\u015f\u0131nda tamamen finansal \u00f6zg\u00fcr olma hedefindeki bir birey 120 bin usd’lik bir portf\u00f6ye ula\u015ft\u0131\u011f\u0131nda art\u0131k tasarruf etmesine gerek kalmadan sadece yat\u0131r\u0131mlar\u0131n\u0131n y\u0131ll\u0131k b\u00fcy\u00fcmesiyle 45 ya\u015f\u0131nda 500 bin usd portf\u00f6y b\u00fcy\u00fckl\u00fc\u011f\u00fcne ula\u015facakt\u0131r. Yani bir nevi “coast” ederek yani ak\u0131\u015f\u0131na b\u0131rakarak ekstra para eklemesi yapmadan hedefine varacakt\u0131r.<\/div>\n
<\/div>\n
Coast FIRE i\u00e7in hesaplama form\u00fcl\u00fc olduk\u00e7a basit. Ayr\u0131ca rakamlar\u0131 girerek otomatik hesaplatan siteler de var. Klasik form\u00fcl\u00fc payla\u015facak olursam,<\/div>\n
<\/div>\n
(Coast FIRE rakam\u0131) = (y\u0131ll\u0131k harcama) \/ ( para \u00e7ekme y\u00fczdesi * (1 + n)^t )<\/div>\n
<\/div>\n
Burada para \u00e7ekme y\u00fczdesini %4 al\u0131yoruz. n yat\u0131r\u0131mlar\u0131n\u0131z\u0131n y\u0131ll\u0131k reel b\u00fcy\u00fcme y\u00fczdesi t ise klasik FIRE’a ula\u015fmak istedi\u011finiz y\u0131l olarak al\u0131nmal\u0131d\u0131r. Yukar\u0131daki \u00f6rne\u011fe geri d\u00f6nersek,<\/div>\n
<\/div>\n
Coast FIRE rakam\u0131=(20.000\/(0.04*(1+0.1)^15)<\/div>\n
<\/div>\n
    <\/span>    <\/span>    <\/span>    <\/span>    <\/span>    <\/span>   <\/span>=119.700 usd olmaktad\u0131r.<\/div>\n
<\/div>\n
Yani \u015fu anda 120 bin usd portf\u00f6y\u00fc bulunan ve para biriktirmeyi kesen ve sadece ayl\u0131k harcamalar\u0131 kadar para kazanan birisi 15 y\u0131l i\u00e7inde finansal \u00f6zg\u00fcr olmaktad\u0131r. B\u00f6ylece o nefret etti\u011finiz ve sabah giderken ayaklar\u0131n\u0131z\u0131n geri geri gitti\u011fi i\u015finizi b\u0131rak\u0131p yar\u0131 zamanl\u0131 bir i\u015fe ba\u015flayabilirsiniz. Ya da kendi i\u015finizi kurarak sevdi\u011finiz aktivitelerden para kazanmay\u0131 deneyebilirsiniz. Belki daha az kazanacaks\u0131n\u0131z fakat zaten sizin art\u0131k tasarruf etme zorunlulu\u011funuz yok. Sadece ayl\u0131k harcamalar\u0131n\u0131z\u0131 15 y\u0131l boyunca kar\u015f\u0131lamak durumundas\u0131n\u0131z.<\/div>\n
<\/div>\n
E\u011fer kendiniz hesaplamak istemiyorsan\u0131z otomatik hesap yapan \u015fu sitenin linkini b\u0131rak\u0131yorum.<\/div>\n
<\/div>\n
https:\/\/walletburst.com\/tools\/coast-fire-calc\/<\/span><\/div>\n
<\/div>\n
Bir \u00f6nceki \u00f6rnekte 100 bin usd’lik portf\u00f6ye sahip hayali kahraman\u0131m\u0131z yaln\u0131zca 2 y\u0131l i\u00e7erisinde Coast FIRE rakam\u0131na ula\u015facak ve belki de hayallerine merhaba diyecek.<\/div>\n
<\/div>\n
<\/div>\n
<\/a><\/div>\n
<\/div>\n
<\/div>\n
Sizin Coast FIRE rakam\u0131n\u0131z nedir? Hayallerinizin pe\u015finden ko\u015facak cesaretiniz var m\u0131?<\/div>\n
<\/div>\n
Okudu\u011funuz i\u00e7in te\u015fekk\u00fcr ederim.<\/div>\n
<\/div>\n
Bay Tutumlu<\/div>\n

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

Herkese selamlar, Finansal \u00f6zg\u00fcrl\u00fck kavram\u0131 2000’lerin ba\u015f\u0131nda Mr. Money Mustache takma adl\u0131 Peter Jonathan Adeney’in blogundaki payla\u015f\u0131mlar\u0131yla geni\u015f kitleler taraf\u0131ndan tan\u0131nd\u0131 ve yay\u0131lmaya ba\u015flad\u0131. Ba\u015flang\u0131\u00e7ta…<\/p>\n","protected":false},"author":2,"featured_media":118,"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":[11,8,6],"tags":[],"class_list":["post-19","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-coast-fire","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\/pexels-olya-kobruseva-8919507.jpg?fit=1024%2C684&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\/19","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=19"}],"version-history":[{"count":3,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/19\/revisions"}],"predecessor-version":[{"id":484,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/posts\/19\/revisions\/484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media\/118"}],"wp:attachment":[{"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/media?parent=19"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/categories?post=19"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/baytutumlu.com\/index.php\/wp-json\/wp\/v2\/tags?post=19"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}