如何真正离开
没有打鸡血的空话。关于辞职的金钱、流程和心理的清晰指南——每一篇都连着让它变真实的计算器。
The complete guide to quitting your job
Every stage in order: savings, severance, health insurance, your 401(k), debt, timing, freelancing, geoarbitrage and the first 90 days.
阅读 → 新🔥The complete guide to FIRE
The 4% rule's real origins, every FIRE variant with worked math, safe withdrawal rates and the healthcare bridge — all in one guide.
阅读 → 新💰辞职前你到底该存多少？
为什么"6 个月开销"是错误答案，以及如何用一个实例找到你的真实数字。
阅读 → 新🌐在世界各地辞职
美国 vs 英国 vs 欧盟 vs 加拿大 vs 澳大利亚——遣散费、医保和安全网如何改变你的数字。
阅读 → 新🩺辞职后的医疗保险
美国的 COBRA vs ACA——以及为何在英国、欧盟、加拿大和澳大利亚它只是个脚注。还有 60 天时限。
阅读 → 新🛡️The benefits you lose when you quit
Health, life and disability insurance, your 401(k) match and more — what each really costs to replace in 2026.
阅读 → 新💸How much does COBRA really cost in 2026?
Average premiums for individuals and families, why it's so steep, COBRA vs ACA, and how to pay less.
阅读 → 新🏦Where to keep your escape fund
High-yield savings vs money market vs CDs — safety, yield and liquidity, plus a simple tiered setup.
阅读 → 新🩹Disability insurance for the self-employed
The protection freelancers skip and need most — own-occupation cover, what it costs, how much to buy.
阅读 → 新🏛️What happens to your 401(k) when you leave a job
Roll it over, leave it, or cash out — the four options, the rollover traps, and the penalty that costs you most.
阅读 → 新☂️Life insurance when you leave a job
Your free group cover ends when you go. Replace it with cheap term life — and lock it in before you quit.
阅读 → 新🏥Self-employed health insurance: 2026 options
ACA plans, a spouse's plan, association cover and HSAs — the real options and costs once you're on your own.
阅读 → 新💳Should you pay off debt before you quit?
Which debts to clear and which to keep — and why crushing a low-rate loan can be the wrong move before you leave.
阅读 → 新📝如何谈判遣散费——即使你是主动离开
各国摆在桌面上的是什么、高价值低成本的争取项，以及何时请律师。
阅读 → 新🗓️离职时机清单
股权归属、奖金、福利截止日和 COBRA 时限——你何时辞职可能值数千。
阅读 → 新🧑💻辞职做自由职业：没人提醒你的缓冲期
收入爬坡比你想的慢。这是让你不必灰溜溜回去的缓冲。
阅读 → 新🌍地理套利：让缓冲期翻三倍的城市
同样的存款在里斯本能买一年，在伦敦只够三个月。算算这笔权衡。
阅读 → 新🚀辞职后的头 90 天
成败攸关的阶段：守住现金，放松而不漂泊，并设定一个无需羞愧的重返触发点。
阅读 → 新⏳战胜"再干一年综合征"
当你财务上已准备好却在情感上卡住——以及如何真正扣下扳机。
阅读 → 新🧠倦怠 vs 无聊倦怠：是在逃离，还是在奔赴？
诊断你为何想离开会改变计划——以及辞职是否真能解决它。
阅读 → 新☕Coast、Barista、Lean 和 Fat FIRE——哪种退出是你的？
用通俗语言梳理 FIRE 各变体，以及哪一种适合你的人生。
阅读 →