Zero

What the book is about

Zero starts from one observation: most people overestimate how much they need to be free, and underestimate how much a few calm decisions can change. The book follows the line where your passive income meets your spending, which we call the Zero Line, and shows how people in Switzerland have crossed it without extreme frugality or lucky bets.

What you will find in it

• Why "enough" is a plan, not a number you have to hit.
• How spending, time and the Swiss pension system work together.
• Stories of people who downshifted, moved, or spent their savings down on purpose.
• Exercises you can run in the calculator as you read.

Availability

The book is in preparation. Title, publication date and where to buy it will be announced here and in the newsletter.

Until then, the ideas behind it are on this site: start with you need less than you think and what FIRE means in Switzerland.