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Mr. Money Mustache at home.Mr Money Mustache

"Mr. Money Mustache" – his real name Pete Adeney – writes to 300,000 hard-core readers, explaining to them how they can retire when they are young, while living comfortably.He practices what he preaches. Instead, practiced: Adeney retired in 2005 at the age of 30, after saving enough money through a generous salary to cover his annual expenses for the rest of his days.

Laughing that he "accidentally created a cult," Adeney's "Financial Independence, Early Retirement" movement – for short – now has members around the world.

Adeney admits that the word "retired" makes a lot of sense in the many newspaper articles that have been written about him and about the FIRE movement, not just because he's done a lot of work in heavy loads. has become big in DIY, and the former software engineer is a self-taught jack-man, building his own home and others.

"Retired … is a new word for people under 50 that sounds a lot more interesting than financially independent," wrote Adeney in a preliminary publication.

Adeney and his wife then gave up their jobs with enough dollars in the bank to be able to keep their jobs indefinitely. . Not everyone has the chance to find a paying job, but there is one thing that can stop what Adeney calls the "explosive volcano of waste": do not drive as much.

Cars suck more money than most people imagine. On an average income, half of the work week is devoted to the costs of managing an automobile, calculated the philosopher Ivan Illich in his 1974 book Energy and equity. ("The typical American spends more than 1,600 hours a year on his car," wrote Illich. "He spends four of his sixteen hours on the road or gathering resources to do so.")

In 2017, the average amount borrowed for a new car in the United States was $ 31,099, an average monthly payment of $ 515, while $ 21,375 was purchased for a used car at $ 398. per month. According to an analysis of the New York Federal Reserve Bank's Data Finder, Americans had accumulated $ 568.6 billion in auto loans by the end of 2017.

Number of auto loan accounts in the United States per year.Statista

Living without a car, or selling one if you have more than one, can seriously increase your wealth.

"One of the strangest things about this country is the way people use their cars," wrote the Adeney blog.

"It takes a lot of effort to find a place in our area of ​​Three Million Square Mile, where you will not see endless lines of people sitting there fluttering for no reason in these giant machines and incredibly inefficient … roaring, stinking, collapsing and impoverishing their owners. "

The super-saver recommends living closer to work, giving up the car and using a "fountain of youth printing money" – a bicycle for you and me.

"A bike-based lifestyle is a global change for the better, "Adeney said in a message published in 2012.

"It's like getting rid of all the stress and responsibility of the adult life that came back to you and you're eight years old … without losing an ounce of that golden power and that freedom that comes from being an adult."

Mr Money Mustache carries great things on a bike.Mr Money Mustache

Those who argue that they are the true liberators, choose to ignore traffic jams, noise and atmospheric nuisance, road deaths and the obscene space reserved for motorized "machines of freedom" with multiple occupations, often carrying a single To be human.

"When you use a 3500-pound car to carry your 150-pound vehicle, 96 per cent of the weight of that mass of material is the car," says Adeney.

"You're moving 25 times more waste than you need and using 25 times more energy to do it."

For Adeney, it is "immoral to drive" because of its "effect on other living things", but even if the ecological and ethical arguments do not appeal to you, the financiers should do it: the car journeys are terribly expensive, long-term. costs that little factor in.

He quotes a typical couple who works for his own car and spends $ 19 a day on direct driving and car ownership fees.

"After 10 years, it would cost them about $ 125,000 each in wealth," says Adeney.

Living closer to work and cycling would bring the couple $ 250,000.

Magic

Born in Canada, the so-called "bizarre financial wizard" now lives in Longmont, Colorado, which is "small enough and adapted to bicycles so that car trips in town are totally useless," he says.

"Given that errands and children are easily handled by a bike trailer, the only reason for driving would be a physical disability, carrying too-bulky objects for a trailer or driving in another city."

Adeney is not a fanatic of anti-cars: "I love these machines secretly. I like to drive them, sit down and read about them. But you must realize what they are for.

"These are … missiles designed to pull you and your friends, very comfortably all over the country for holidays that will transform your life. You do not just drive such a thing or drop your child to school at one time. These are special occasions where all other options fail. "

And even if Adeney says "you have to ride a bike; we must all ", he owns cars, but he drives them only when necessary, and" necessary "is not" always ".

In addition to a 1999 Honda minivan, he owns a Nissan Leaf electric car (powered by a solar grid he installed).

"I bought a Leaf in September 2016 mainly to promote and support the idea of ​​electric cars," he said. Forbes.

The purchase was also a promotion for his blog. "And it worked – my local Nissan dealer reported record car sales just from referrals [from the blog], and the same effect has happened to a certain extent across the country. It was my small personal contribution to help fossil fuel cars become obsolete cars. "

He adds, "If money was an important factor, I would not"I do not even own a car these days. Optional bicycles, e-bikes, and bike trailers can replace just about anything for which I use a car; then you can call a Lyft / Uber or rent a car for something else. Most people could save several thousand dollars a year by adopting this strategy. "

Bikes are whiskers because they are economically positive:

"Bicycles are virtually free and require no insurance, registration, license, parking or any other problem," writes Adeney on her blog.

"They are so easy to own, and therefore incredibly useful and beneficial, without any inconvenience to the property. And yet, there are adults – millions of them, most of them in the United States – who do not even have a bike. "

Runners on specialized electric bikes.Carlton Reid

The bike, he emphasizes, "is not a strange form of marginal transportation that only the people of Portland and Colorado do. That's just how we are [should] all move for moderate distances in the city. "

In addition, cycling adds years to life and has positive effects on mental health:

"[On my bike] Hundreds of unhappy and deformed drug addicts are being heard, I get free parking for rock stars right outside the door of each site, and rolling down reduces stress, "said Adeney. Bicycling.

However, people do not just drive cars because they do not fear rain or can – in theory – carry many passengers, they are status symbols and, for many people, driving is related to their self-esteem. itself. How can Adeney save billions of dollars in auto advertising?

"I think that instead of the economy, we have to see it as a marketing challenge. We must therefore use the same marketing skills as those used to sell cars and apply them instead of the lifestyle of the bike. People want to be successful, attractive, healthy, respected, powerful and rich – and they want to reach their destination on time.

"The automakers use these techniques on their customers, and it still works! A good example is the fact that large vans are the best-selling vehicles in the United States, even though"Do not do anything very good – poor handling, bad fuel consumption, difficult to insert into a parking space and relatively useless for large loads.

"But they're talking to people"s insecurities – desire for power and size. And more importantly, they go to car manufacturers" need high profit margins because people are willing to pay more for a truck that is not practical than for a practical car. So they advertise these trucks using emotional calls and ambitious images like towing and camping, rather than reminding people that they will make $ 100,000 less every ten years by making that choice.

"The good news is that bikes are really make give you all the things that cars donate"t. They make you richer and more attractive, which increases your status and your power in the world. "

Wellbeing factor

Let's go back to the rain-proof aspect of cars: bikes can not offer the same level of comfort, is not it? They do not have to do it, argues Adeney:

"When you go out and ride a bike in cold weather, rain or heat, you come back as a reinvigorated champion and you feel good for the rest of the day.

"Cars are more comfortable and easier, and there is definitely a place for them – for example, a family vacation or bringing your elderly mother's airport home by a day out. ;winter. But overall, facing the weather and doing things with your own body is unprecedented in its ability to make you happier and healthier. "

But unlike Adeney, not everyone can live in a bike friendly place.

"Although the difficulty varies, cycling is possible wherever driving is possible," he retorted.

"In fact, the options are even wider because bicycles can cross alleys and sidewalks and terrain where cars are not allowed or could get stuck. This"s the first thing to put in your head because in the United States it does not"No matter how easy it is to ride a bike, hardly anyone does it yet. In my city of Longmont, I travel 100% of my trips by bike, yet over 99% of residents choose to take a car every day.

"We are all free to choose where we live and where we work. If you do not"Do not live in a bike friendly place, start by developing a plan to go somewhere in the near future. The next time you look for a new home or a new job, take this into account and"Do not settle for anything that depends on the car. This simple change of perspective will transform your wealth, your health and even the happiness of your life in general. "

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Mr. Money Mustache at home. Mr. Money Mustache

"Mr. Money Mustache" – his real name Pete Adeney – writes to 300,000 hard-core readers, explaining to them how they can retire when they are young, while living comfortably.He practices what he preaches. Instead, practiced: Adeney retired in 2005 at the age of 30, after saving enough money through a generous salary to cover his annual expenses for the rest of his days.

Laughing that he "accidentally created a cult," Adeney's "Financial Independence, Early Retirement" movement – for short – now has members around the world.

Adeney admits that the word "retired" makes a lot of sense in the many newspaper articles that have been written about him and about the FIRE movement, not just because he's done a lot of work in heavy loads. has become big in DIY, and the former software engineer is a self-taught jack-man, building his own home and others.

"Retired … is a new word for people under 50 that sounds a lot more interesting than financially independent," wrote Adeney in a preliminary publication.

Adeney and his wife then gave up their jobs with enough dollars in the bank to be able to keep their jobs indefinitely. . Not everyone has the chance to find a paying job, but there is one thing that can stop what Adeney calls the "explosive volcano of waste": do not drive as much.

Cars suck more money than most people imagine. On an average income, half of the work week is devoted to the costs of managing an automobile, calculated the philosopher Ivan Illich in his 1974 book Energy and equity. ("The typical American spends more than 1,600 hours a year on his car," wrote Illich. "He spends four of his sixteen hours on the road or gathering resources to do so.")

In 2017, the average amount borrowed for a new car in the United States was $ 31,099, an average monthly payment of $ 515, while $ 21,375 was purchased for a used car at $ 398. per month. According to an analysis of the New York Federal Reserve Bank's Data Finder, Americans had accumulated $ 568.6 billion in auto loans by the end of 2017.

Number of auto loan accounts in the United States per year.STATISTA

Living without a car, or selling one if you have more than one, can seriously increase your wealth.

"One of the strangest things about this country is the way people use their cars," wrote the Adeney blog.

"It takes a lot of effort to find a place in our area of ​​Three Million Square Mile, where you will not see endless lines of people sitting there fluttering for no reason in these giant machines and incredibly inefficient … roaring, stinking, collapsing and impoverishing their owners. "

The super-saver recommends living closer to work, giving up the car and using a "fountain of youth printing money" – a bicycle for you and me.

"A bike-based lifestyle is a global change for the better," Adeney said in a message published in 2012.

"It's like we're getting rid of all the stress and responsibility of the adult life coming back on you and you're eight years old … without losing an ounce of that golden power and that freedom that comes from being an adult.

Mr. Money Mustache carries great things on a bike. Mr. Money Mustache

Those who argue that they are the true liberators, choose to ignore traffic jams, noise and atmospheric nuisance, road deaths and the obscene space reserved for motorized "machines of freedom" with multiple occupations, often carrying a single To be human.

"When you use a 3500-pound car to carry your 150-pound vehicle, 96 per cent of the weight of that mass of material is the car," says Adeney.

"You're moving 25 times more waste than you need and using 25 times more energy to do it."

For Adeney, it is "immoral to drive" because of its "effect on other living things", but even if the ecological and ethical arguments do not appeal to you, the financiers should do it: the car journeys are terribly expensive, long-term. costs that little factor in.

He quotes a typical couple who works for his own car and spends $ 19 a day on direct driving and car ownership fees.

"After 10 years, it would cost them about $ 125,000 each in wealth," says Adeney.

Living closer to work and cycling would bring the couple $ 250,000.

Magic

Born in Canada, the so-called "bizarre financial wizard" now lives in Longmont, Colorado, which is "small enough and adapted to bicycles so that car trips in town are totally useless," he says.

"Given that errands and children are easily handled by a bike trailer, the only reason for driving would be a physical disability, carrying too-bulky objects for a trailer or driving in another city."

Adeney is not a fanatic of anti-cars: "I love these machines secretly. I like to drive them, sit down and read about them. But you must realize what they are for.

"These are … missiles designed to pull you and your friends, very comfortably all over the country for holidays that will transform your life. You do not just drive such a thing or drop your child to school at one time. These are special occasions where all other options fail. "

And even if Adeney says "you have to ride a bike; we must all ", he owns cars, but he drives them only when necessary, and" necessary "is not" always ".

In addition to a 1999 Honda minivan, he owns a Nissan Leaf electric car (powered by a solar grid he installed).

"I bought a Leaf in September 2016 mainly to promote and support the idea of ​​electric cars," he said. Forbes.

The purchase was also a promotion for his blog. "And it worked – my local Nissan dealer reported record car sales just from referrals [from the blog], and the same effect has happened to a certain extent across the country. It was my small personal contribution to help fossil fuel cars become obsolete cars. "

He adds, "If money was an important factor, I would not even own a car today. Optional bicycles, e-bikes, and bike trailers can replace just about anything for which I use a car; then you can call a Lyft / Uber or rent a car for something else. Most people could save several thousand dollars a year by adopting this strategy. "

Bikes are whiskers because they are economically positive:

"Bicycles are virtually free and require no insurance, registration, license, parking or any other problem," writes Adeney on her blog.

"They are so easy to own, and therefore incredibly useful and beneficial, without any inconvenience to the property. And yet, there are adults – millions of them, most of them in the United States – who do not even have a bike. "

Runners on specialized electric bikes. Carlton Reid

The bike, he emphasizes, "is not a strange form of marginal transportation that only the people of Portland and Colorado do. That's just how we are [should] all move for moderate distances in the city. "

In addition, cycling adds years to life and has positive effects on mental health:

"[On my bike] Hundreds of unhappy and deformed drug addicts are being heard, I get free parking for rock stars right outside the door of each site, and rolling down reduces stress, "said Adeney. Bicycling.

However, people do not just drive cars because they do not fear rain or can – in theory – carry many passengers, they are status symbols and, for many people, driving is related to their self-esteem. itself. How can Adeney save billions of dollars in auto advertising?

"I think that instead of the economy, we have to see it as a marketing challenge. We must therefore use the same marketing skills as those used to sell cars and apply them instead of the lifestyle of the bike. People want to be successful, attractive, healthy, respected, powerful and rich – and they want to reach their destination on time.

"The automakers use these techniques on their customers, and it still works! A good example is the fact that large vans are the best-selling vehicles in the United States, even if they do not do very well – bad handling, poor gas mileage, difficult to insert into a parking space and relatively useless for big freight as well.

"But they address the insecurities of people – the desire for power and size. And most importantly, they meet the needs of automakers for high profit margins because people are willing to pay more for a truck that is not practical than for a practical car. So they advertise these trucks using emotional calls and ambitious images like towing and camping, rather than reminding people that they will make $ 100,000 less every ten years by making that choice.

"The good news is that bikes are really make give you all the things that cars do not do. They make you richer and more attractive, which increases your status and your power in the world. "

Wellbeing factor

Let's go back to the rain-proof aspect of cars: bikes can not offer the same level of comfort, is not it? They do not have to do it, argues Adeney:

"When you go out and ride a bike in cold weather, rain or heat, you come back as a reinvigorated champion and you feel good for the rest of the day.

"Cars are more comfortable and easier, and there is definitely a place for them – for example, a family vacation or bringing your elderly mother's airport home by a day out. ;winter. But overall, facing the weather and doing things with your own body is unprecedented in its ability to make you happier and healthier. "

But unlike Adeney, not everyone can live in a bike friendly place.

"Although the difficulty varies, cycling is possible wherever driving is possible," he retorted.

"In fact, the options are even wider because bicycles can cross alleys and sidewalks and terrain where cars are not allowed or could get stuck. That's the first thing to say to you, because in the United States, no matter how easy it is to ride a bike, hardly anyone does it yet. In my city of Longmont, I travel 100% of my trips by bike, yet over 99% of residents choose to take a car every day.

"We are all free to choose where we live and where we work. If you do not live in a place that is good for cyclists, start by developing a plan to move to a suitable place. The next time you look for a new home or job, make it a postman and do not settle for something that depends on the car. This simple change of perspective will transform your wealth, your health and even the happiness of your life in general. "