If you think saving is not for you.

If you think you can't live without spending all your money.

If you think you can't save more.

Let me tell you that are already doing all of it, just you don't know about it.

You do them via taxes. Depending on where you live, e.g.: If you live in Germany you can pay between 0 - 45% based on salary + 5,5% solidarity surcharge + 8/9% church tax.

That is pretty lot. But as the whole amount never touches your Konto/bank account, you have less hard feelings about not getting it.

Also you don't really control where your tax money goes...

So let me tell you, that you are capable of living with a 30-50% "savings rate".

Now go back to the "Savings rate vs total work time until retirement" plot, select the highest rate you are not ashamed of, and when you reach retirement, you can keep working, just your priorities will change, you might want to work elsewhere or part time, or do something else. Only your mind will be in your way.

Become free my friend! 🕊

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