add project docs and research materials; update arch doc with WSL2 dev setup

- docs/: 6 development documents (PRD, tech selection, architecture, risks, roadmap, design workflow) - research/: FIRE background materials, personal plan, Excel calculator - 03-架构设计.md: add Section 8 documenting WSL2 → Windows browser dev environment (Vite host config, access URLs, mobile debugging tip) Co-Authored-By: Claude Sonnet 4.6 <noreply@anthropic.com>
2026-06-08 09:21:04 +08:00
parent 866cc0cd71
commit d558da51a6
13 changed files with 943 additions and 13 deletions
@@ -0,0 +1,136 @@
+# -*- coding: utf-8 -*-
+"""生成可调参数的 FIRE(Barista 半退休) 测算表。改黄色参数格，结果用 Excel 公式自动重算。"""
+from openpyxl import Workbook
+from openpyxl.styles import Font, PatternFill, Alignment, Border, Side
+from openpyxl.utils import get_column_letter
+
+wb = Workbook()
+ws = wb.active
+ws.title = "FIRE测算"
+
+# ---- 样式 ----
+title_font   = Font(name="微软雅黑", size=14, bold=True, color="FFFFFF")
+title_fill   = PatternFill("solid", fgColor="2F5597")
+head_font    = Font(name="微软雅黑", size=11, bold=True, color="FFFFFF")
+head_fill    = PatternFill("solid", fgColor="4472C4")
+sect_font    = Font(name="微软雅黑", size=11, bold=True, color="2F5597")
+input_fill   = PatternFill("solid", fgColor="FFF2CC")   # 黄色=可改
+input_font   = Font(name="微软雅黑", size=11, bold=True, color="C00000")
+calc_fill    = PatternFill("solid", fgColor="E2EFDA")   # 绿色=自动算
+normal_font  = Font(name="微软雅黑", size=11)
+ok_fill      = PatternFill("solid", fgColor="C6E0B4")
+thin = Side(style="thin", color="BFBFBF")
+border = Border(left=thin, right=thin, top=thin, bottom=thin)
+center = Alignment(horizontal="center", vertical="center")
+left   = Alignment(horizontal="left", vertical="center")
+
+def put(cell, value, font=normal_font, fill=None, align=left, fmt=None, bd=True):
+    c = ws[cell]
+    c.value = value
+    c.font = font
+    if fill: c.fill = fill
+    c.alignment = align
+    if fmt: c.number_format = fmt
+    if bd: c.border = border
+    return c
+
+# ---- 标题 ----
+ws.merge_cells("A1:F1")
+put("A1", "FIRE 半退休 (Barista) 可调参数测算表", title_font, title_fill, center, bd=False)
+ws.row_dimensions[1].height = 28
+ws.merge_cells("A2:F2")
+put("A2", "用法：只改【黄色格子】里的数字，右侧/下方结果会自动重算。", Font(name="微软雅黑", size=9, italic=True, color="808080"), align=left, bd=False)
+
+# ---- 参数区 ----
+put("A3", "① 可修改参数（改这里）", sect_font, bd=False)
+params = [
+    ("起始本金（元）",      70000,  "#,##0"),
+    ("每月定投（元）",      1500,   "#,##0"),
+    ("年开支（元）",        65000,  "#,##0"),
+    ("兼职年收入（元）",    40000,  "#,##0"),
+    ("安全提取率",          0.035,  "0.0%"),
+    ("收益率-保守",         0.04,   "0.0%"),
+    ("收益率-中性",         0.06,   "0.0%"),
+    ("收益率-乐观",         0.08,   "0.0%"),
+]
+r = 4
+for name, val, fmt in params:
+    put(f"A{r}", name, normal_font, input_fill, left)
+    put(f"B{r}", val, input_font, input_fill, center, fmt)
+    r += 1
+# 记下行号
+ROW = {"本金":4, "月投":5, "开支":6, "兼职":7, "提取率":8, "保守":9, "中性":10, "乐观":11}
+
+# ---- 自动计算：目标本金 ----
+put("A13", "② 自动计算结果", sect_font, bd=False)
+put("A14", "年缺口（开支-兼职，元）", normal_font, calc_fill)
+put("B14", f"=B{ROW['开支']}-B{ROW['兼职']}", normal_font, calc_fill, center, "#,##0")
+put("A15", "目标本金（元）", Font(name="微软雅黑", bold=True), calc_fill)
+put("B15", f"=B14/B{ROW['提取率']}", Font(name="微软雅黑", bold=True, color="C00000"), calc_fill, center, "#,##0")
+put("A16", "目标本金（万元）", Font(name="微软雅黑", bold=True), calc_fill)
+put("B16", "=B15/10000", Font(name="微软雅黑", bold=True, color="C00000"), calc_fill, center, "0.0")
+
+# ---- 逐年测算表 ----
+put("A18", "③ 逐年资产测算（含分红复投；第一个出现 ✅ 的年份≈达成 Barista FIRE）", sect_font, bd=False)
+headers = ["年数", "保守(元)", "中性(元)", "乐观(元)", "中性(万)", "是否达标(中性)"]
+hr = 19
+for i, h in enumerate(headers):
+    put(f"{get_column_letter(i+1)}{hr}", h, head_font, head_fill, center)
+
+start = hr + 1
+for y in range(1, 31):
+    rr = start + (y - 1)
+    put(f"A{rr}", y, normal_font, None, center, "0")
+    # FV(年化/12, 年数*12, -月投, -起始本金)  -> 正数
+    put(f"B{rr}", f"=FV($B${ROW['保守']}/12, A{rr}*12, -$B${ROW['月投']}, -$B${ROW['本金']})", normal_font, None, center, "#,##0")
+    put(f"C{rr}", f"=FV($B${ROW['中性']}/12, A{rr}*12, -$B${ROW['月投']}, -$B${ROW['本金']})", normal_font, None, center, "#,##0")
+    put(f"D{rr}", f"=FV($B${ROW['乐观']}/12, A{rr}*12, -$B${ROW['月投']}, -$B${ROW['本金']})", normal_font, None, center, "#,##0")
+    put(f"E{rr}", f"=C{rr}/10000", normal_font, None, center, "0.0")
+    put(f"F{rr}", f'=IF(C{rr}>=$B$15,"✅达标","")', Font(name="微软雅黑", bold=True, color="548235"), None, center)
+
+# ---- 列宽 ----
+widths = [22, 14, 14, 14, 12, 16]
+for i, w in enumerate(widths):
+    ws.column_dimensions[get_column_letter(i+1)].width = w
+
+# ---- 说明页 ----
+ws2 = wb.create_sheet("说明")
+notes = [
+    "【这张表怎么用】",
+    "1. 在『FIRE测算』页，只改黄色格子里的数字（本金、月投、开支、兼职收入、提取率、收益率）。",
+    "2. 绿色格子和下方表格会自动重算，不用动公式。",
+    "",
+    "【目标本金怎么来的】",
+    "目标本金 =（年开支 − 兼职年收入）÷ 安全提取率",
+    "例：开支6.5万、兼职4万、提取率3.5% → (65000-40000)/3.5% = 约71万。",
+    "兼职每多赚1万，目标本金大约少29万。",
+    "",
+    "【提取率为什么用 3.5%】",
+    "美国常用4%，但中国低利率、市场波动大、社保有空窗，打折到3%~3.5%更稳健。",
+    "想更保守可把提取率改成 0.03。",
+    "",
+    "【收益率怎么理解】",
+    "已包含分红再投资（总回报口径）。参考组合：红利ETF/工行50-60% + 宽基指数30% + 货基/国债10-15%。",
+    "保守4% / 中性6% / 乐观8% 为假设值，不是承诺。",
+    "",
+    "【达成年限怎么看】",
+    "看『是否达标(中性)』列，第一个出现 ✅ 的年份，就是按中性收益大约达成的年数。",
+    "想看保守/乐观，可对比 保守(元)、乐观(元) 两列与目标本金B15的大小。",
+    "",
+    "【加速的关键】",
+    "把『每月定投』从1500改成3000试试，会看到达成年限大幅缩短——提高储蓄率比纠结收益率更有效。",
+    "",
+    "⚠️ 本表为个人理性测算与学习参考，不构成投资建议，收益率为假设值、不保证实现。",
+]
+for i, line in enumerate(notes, start=1):
+    c = ws2[f"A{i}"]
+    c.value = line
+    if line.startswith("【") or line.startswith("⚠️"):
+        c.font = Font(name="微软雅黑", bold=True, color="2F5597")
+    else:
+        c.font = Font(name="微软雅黑", size=10)
+ws2.column_dimensions["A"].width = 95
+
+out = "/mnt/d/opc_project/fire_goal/FIRE可调测算表.xlsx"
+wb.save(out)
+print("saved:", out)