{"id":23307,"date":"2026-07-07T10:30:05","date_gmt":"2026-07-07T08:30:05","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=23307"},"modified":"2026-07-07T14:54:58","modified_gmt":"2026-07-07T12:54:58","slug":"time-needed-to-become-a-millionaire","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/","title":{"rendered":"The Time It Takes to Become a Millionaire"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>Dans cet article, j&#8217;ai voulu comprendre le temps n\u00e9cessaire pour devenir millionnaire. De ce fait, je me suis inspir\u00e9 de plusieurs exemples et quelques calculateurs \ud83d\ude09<\/strong><\/p><div id=\"ez-toc-container\" class=\"ez-toc-v2_0_87 ez-toc-wrap-center counter-flat ez-toc-counter ez-toc-black ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table des mati\u00e8res<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #eeee22;color:#eeee22\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #eeee22;color:#eeee22\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Produits_recommandes\" >Produits recommand\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Les_5_facteurs_qui_determinent_la_vitesse_a_laquelle_tu_deviendras_libre_financierement\" >Les 5 facteurs qui d\u00e9terminent la vitesse \u00e0 laquelle tu deviendras libre financi\u00e8rement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Quatre_investisseurs_quatre_destins_differents\" >Quatre investisseurs, quatre destins diff\u00e9rents<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Atteindre_le_premier_100_000_USD_est_%E2%80%A6_le_plus_difficile\" >Atteindre le premier 100 000 USD est &#8230; le plus difficile<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#de_250000_a_1000000_USD\" >de 250&#8217;000 \u00e0 1&#8217;000&#8217;000 USD<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Investir_seulement_500_USD_par_mois\" >Investir seulement 500 USD par mois ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Le_compte_3a_la_methode_faignante_et_rentable\" >Le compte 3a, la m\u00e9thode faignante et rentable<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Que_faire_pour_accelerer_lindependance_financiere\" >Que faire pour acc\u00e9l\u00e9rer l&#8217;ind\u00e9pendance financi\u00e8re ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#epargner_au_maximum\" >\u00e9pargner au maximum<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#choisir_un_ETF_diversifie\" >choisir un ETF diversifi\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#investir_le_maximum_des_aujourdhui_dans_un_ETF_et_chaque_mois\" >investir le maximum d\u00e8s aujourd&#8217;hui dans un ETF, et chaque mois<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#etre_patient\" >\u00eatre patient<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Generer_de_nouveaux_revenus\" >G\u00e9n\u00e9rer de nouveaux revenus<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Le_temps_est_votre_meilleur_investissement\" >Le temps est votre meilleur investissement<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#FAQ_Devenir_millionnaire_grace_aux_interets_composes\" >FAQ : Devenir millionnaire gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Combien_de_temps_faut-il_pour_devenir_millionnaire_en_investissant\" >Combien de temps faut-il pour devenir millionnaire en investissant ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Quel_rendement_annuel_faut-il_pour_devenir_millionnaire\" >Quel rendement annuel faut-il pour devenir millionnaire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Pourquoi_les_interets_composes_sont-ils_si_puissants\" >Pourquoi les int\u00e9r\u00eats compos\u00e9s sont-ils si puissants ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Est-il_possible_de_devenir_millionnaire_avec_un_ETF_Monde\" >Est-il possible de devenir millionnaire avec un ETF Monde ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Combien_faut-il_investir_chaque_mois_pour_devenir_millionnaire\" >Combien faut-il investir chaque mois pour devenir millionnaire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Quel_est_le_placement_le_plus_efficace_pour_profiter_des_interets_composes\" >Quel est le placement le plus efficace pour profiter des int\u00e9r\u00eats compos\u00e9s ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Peut-on_devenir_libre_financierement_sans_etre_millionnaire\" >Peut-on devenir libre financi\u00e8rement sans \u00eatre millionnaire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Pourquoi_les_premiers_100_000_sont-ils_les_plus_difficiles_a_atteindre\" >Pourquoi les premiers 100 000 sont-ils les plus difficiles \u00e0 atteindre ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Faut-il_commencer_a_investir_le_plus_tot_possible\" >Faut-il commencer \u00e0 investir le plus t\u00f4t possible ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-29\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Les_interets_composes_garantissent-ils_de_devenir_millionnaire\" >Les int\u00e9r\u00eats compos\u00e9s garantissent-ils de devenir millionnaire ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-30\" href=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/#Le_Temps_Necessaire_pour_Devenir_Millionnaire\" >Le Temps N\u00e9cessaire pour Devenir Millionnaire<\/a><\/li><\/ul><\/nav><\/div>\n\n\n\n\n<div data-__private-preview-state=\"{&quot;isPreview&quot;:false,&quot;previewMessage&quot;:&quot;Les produits d\\u00e9pendront de la page consult\\u00e9e.&quot;}\" data-block-name=\"woocommerce\/product-collection\" data-collection=\"woocommerce\/product-collection\/hand-picked\" data-dimensions=\"{&quot;widthType&quot;:&quot;fill&quot;}\" data-display-layout=\"{&quot;type&quot;:&quot;flex&quot;,&quot;columns&quot;:5,&quot;shrinkColumns&quot;:true}\" data-hide-controls=\"[&quot;inherit&quot;,&quot;hand-picked&quot;,&quot;filterable&quot;,&quot;order&quot;]\" data-query-context-includes=\"[&quot;collection&quot;]\" data-query-id=\"0\" data-query=\"{&quot;perPage&quot;:9,&quot;pages&quot;:0,&quot;offset&quot;:0,&quot;postType&quot;:&quot;product&quot;,&quot;order&quot;:&quot;asc&quot;,&quot;orderBy&quot;:&quot;post__in&quot;,&quot;search&quot;:&quot;&quot;,&quot;exclude&quot;:[],&quot;inherit&quot;:false,&quot;taxQuery&quot;:[],&quot;isProductCollectionBlock&quot;:true,&quot;featured&quot;:false,&quot;woocommerceOnSale&quot;:false,&quot;woocommerceStockStatus&quot;:[&quot;instock&quot;,&quot;outofstock&quot;,&quot;onbackorder&quot;],&quot;woocommerceAttributes&quot;:[],&quot;woocommerceHandPickedProducts&quot;:[&quot;26085&quot;,&quot;26112&quot;,&quot;26137&quot;],&quot;filterable&quot;:false,&quot;relatedBy&quot;:{&quot;categories&quot;:true,&quot;tags&quot;:true}}\" data-tag-name=\"div\" class=\"wp-block-woocommerce-product-collection is-layout-flow wp-block-woocommerce-product-collection-is-layout-flow\">\n<h2 class=\"wp-block-heading\" style=\"margin-bottom:1rem\"><span class=\"ez-toc-section\" id=\"Produits_recommandes\"><\/span>Produits recommand\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n<ul data-block-name=\"woocommerce\/product-template\" class=\"wc-block-product-template__responsive columns-5 wc-block-product-template wp-block-woocommerce-product-template is-layout-flow wp-block-woocommerce-product-template-is-layout-flow\" data-wp-on--scroll=\"actions.watchScroll\" data-wp-init=\"callbacks.initResizeObserver\"><li class=\"wc-block-product post-26085 product type-product status-publish has-post-thumbnail product_tag-guide-depargne product_tag-guide-optimisation-financiere-en-suisse product_tag-livre-econome product_tag-livre-economiser product_tag-livre-finances-personnelles product_tag-livre-frugaliste first instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26085,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26085\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"423\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - 50 astuces pour \u00e9conomiser en Suisse\" data-testid=\"product-image\" data-image-id=\"26088\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?w=1409&amp;ssl=1 1409w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=211%2C300&amp;ssl=1 211w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=423%2C600&amp;ssl=1 423w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=768%2C1090&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1082%2C1536&amp;ssl=1 1082w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=1320%2C1874&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?resize=600%2C852&amp;ssl=1 600w\" sizes=\"auto, (max-width: 423px) 100vw, 423px\" data-attachment-id=\"26088\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26088\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=1409%2C2000&amp;ssl=1\" data-orig-size=\"1409,2000\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1.png?fit=423%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_50_astuces_pour_economiser_en_Suisse\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/50-astuces-pour-economiser-en-suisse\/\" target=\"_self\" >Livre E-book &#8211; 50 astuces pour \u00e9conomiser en Suisse<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26085\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - 50 astuces pour \u00e9conomiser en Suisse&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26112 product type-product status-publish has-post-thumbnail product_tag-guide-complet-investissement product_tag-livre-finances-personnelles product_tag-livre-investissement product_tag-livre-investissement-boursier product_tag-livre-liberte-financiere product_tag-livre-sp-500  instock downloadable virtual purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26112,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26112\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"384\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi\" data-testid=\"product-image\" data-image-id=\"26114\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?w=512&amp;ssl=1 512w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=192%2C300&amp;ssl=1 192w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=384%2C600&amp;ssl=1 384w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?resize=8%2C12&amp;ssl=1 8w\" sizes=\"auto, (max-width: 384px) 100vw, 384px\" data-attachment-id=\"26114\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26114\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=512%2C800&amp;ssl=1\" data-orig-size=\"512,800\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"1\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/04\/1-1.png?fit=384%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Livre_E-book_%E2%80%93_Financer_son_avenir_avec_la_bourse_%E2%80%93_mode_demploi\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/financer-investir-son-avenir-mode-emploi\/\" target=\"_self\" >Livre E-book &#8211; Financer son avenir avec la bourse &#8211; mode d&#8217;emploi<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;15.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26112\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Livre E-book - Financer son avenir avec la bourse - mode d&#039;emploi&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><li class=\"wc-block-product post-26137 product type-product status-publish has-post-thumbnail product_tag-anti-surconsommation product_tag-autodiscipline product_tag-autonomie product_tag-ecologie product_tag-economie product_tag-epargne product_tag-bien-etre product_tag-bonheur product_tag-bonheur-durable product_tag-consommation-consciente product_tag-desencombrement product_tag-developpement-personnel product_tag-essentialisme product_tag-frugalite product_tag-liberte-financiere product_tag-minimalisme product_tag-mode-de-vie-alternatif product_tag-moins-mais-mieux product_tag-simplicite-volontaire product_tag-slow-living product_tag-sobriete-heureuse product_tag-vie-simple  instock downloadable shipping-taxable purchasable product-type-simple\"\n\t\t\t\t\t\n\t\t\t\tdata-wp-interactive=\"woocommerce\/product-collection\"\n\t\t\t\tdata-wp-context='woocommerce\/products::{\"productId\":26137,\"variationId\":null}'\n\t\t\t\tdata-wp-key=\"product-item-26137\"\n\t\t\t\n\t\t\t\t>\n\t\t\t\t\t\n<div data-block-name=\"woocommerce\/product-image\" data-image-sizing=\"thumbnail\" data-is-descendent-of-query-loop=\"true\" data-show-sale-badge=\"false\" class=\"wc-block-components-product-image wc-block-grid__product-image wc-block-components-product-image--aspect-ratio-1-1 wp-block-woocommerce-product-image\"><a href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\"><img decoding=\"async\" width=\"376\" height=\"600\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" class=\"attachment-large size-large\" alt=\"Guide E-book - Lib\u00e8re-toi de la surconsommation\" data-testid=\"product-image\" data-image-id=\"26138\" style=\"object-fit:cover;aspect-ratio:1\/1;\" loading=\"lazy\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?w=1410&amp;ssl=1 1410w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=188%2C300&amp;ssl=1 188w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=376%2C600&amp;ssl=1 376w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=768%2C1226&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=963%2C1536&amp;ssl=1 963w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1283%2C2048&amp;ssl=1 1283w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=1320%2C2106&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?resize=600%2C957&amp;ssl=1 600w\" sizes=\"auto, (max-width: 376px) 100vw, 376px\" data-attachment-id=\"26138\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/?attachment_id=26138\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=1410%2C2250&amp;ssl=1\" data-orig-size=\"1410,2250\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;1&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"pochette lib\u00e8re-toi de la surconsommation\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/05\/pochette-libere-toi-de-la-surconsommation.jpg?fit=376%2C600&amp;ssl=1\" \/><div class=\"wc-block-components-product-image__inner-container\">\n\n<\/div><\/a><\/div>\n\n<h2 style=\"line-height:1.4;margin-bottom:0.75rem;margin-top:0\" class=\"wp-block-post-title has-medium-font-size\"><span class=\"ez-toc-section\" id=\"Guide_E-book_%E2%80%93_Libere-toi_de_la_surconsommation\"><\/span><a data-wp-on--click=\"woocommerce\/product-collection::actions.viewProduct\" href=\"https:\/\/minimalistefrugaliste.com\/en\/produit\/libere-toi-de-la-surconsommation\/\" target=\"_self\" >Guide E-book &#8211; Lib\u00e8re-toi de la surconsommation<\/a><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n<div data-block-name=\"woocommerce\/product-price\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price has-font-size has-small-font-size has-text-align-center\" style=\"\" >\n\t\t\t\t\t<span class=\"woocommerce-Price-amount amount\"><bdi><span class=\"woocommerce-Price-currencySymbol\" translate=\"no\">&#67;&#72;&#70;<\/span>&nbsp;10.00<\/bdi><\/span>\n\t\t\t\t<\/div><\/div>\n\n<div data-block-name=\"woocommerce\/product-button\" data-font-size=\"small\" data-is-descendent-of-query-loop=\"true\" data-text-align=\"center\" class=\"wp-block-button wc-block-components-product-button align-center wp-block-woocommerce-product-button has-small-font-size\"\n\t\t\t\t\t\n\t\t\tdata-wp-interactive=\"woocommerce\/product-button\"\n\t\t\n\t\t\t\t\tdata-wp-context='{\"quantityToAdd\":1,\"addToCartText\":\"Add to basket\",\"tempQuantity\":0,\"animationStatus\":\"IDLE\",\"inTheCartText\":\"### in basket\",\"noticeId\":\"\",\"hasPressedButton\":false}'\n\t\t\t\t>\n\t\t\t\t\t<button\n\t\t\t\t\t\tclass=\"wp-block-button__link wp-element-button wc-block-components-product-button__button add_to_cart_button ajax_add_to_cart product_type_simple has-font-size has-small-font-size has-text-align-center wc-interactive\"\n\t\t\t\t\t\tstyle=\"\"\n\t\t\t\t\t\ttype=\"button\" data-product_id=\"26137\" data-product_sku=\"\" aria-label=\"Add to basket: &ldquo;Guide E-book - Lib\u00e8re-toi de la surconsommation&rdquo;\"\n\t\t\t\t\t\tdata-wp-on--click=\"actions.addCartItem\"\n\t\t\t\t\t>\n\t\t\t\t\t<span \n\t\t\tdata-wp-text=\"state.addToCartText\"\n\t\t\tdata-wp-class--wc-block-slide-in=\"state.slideInAnimation\"\n\t\t\tdata-wp-class--wc-block-slide-out=\"state.slideOutAnimation\"\n\t\t\tdata-wp-on--animationend=\"actions.handleAnimationEnd\"\n\t\t\tdata-wp-watch=\"callbacks.startAnimation\"\n\t\t\tdata-wp-run=\"callbacks.syncTempQuantityOnLoad\"\n\t\t>Add to basket<\/span>\n\t\t\t\t\t<\/button>\n\t\t\t\t\t<span\n\t\t\t\thidden\n\t\t\t\tdata-wp-bind--hidden=\"!state.displayViewCart\"\n\t\t\t>\n\t\t\t\t<a\n\t\t\t\t\thref=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\"\n\t\t\t\t\tclass=\"added_to_cart wc_forward\"\n\t\t\t\t\ttitle=\"View basket\"\n\t\t\t\t>\n\t\t\t\t\tView basket\n\t\t\t\t<\/a>\n\t\t\t<\/span>\n\t\t\t\t<\/div>\n\n\t\t\t\t<\/li><\/ul>\n\n<\/div>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#4c0303\"><strong>Cet article concerne toutes les devises, comme le franc suisse, la livre sterling, l&#8217;euro ou le dollar am\u00e9ricain. Pour simplifier, je vais utiliser uniquement des exemples en USD. N&#8217;oublie pas que tu peux remplacer USD par la monnaie de ton pays.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Lorsque l&#8217;on commence \u00e0 investir, devenir millionnaire semble compl\u00e8tement irr\u00e9aliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On se dit souvent :<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p class=\"wp-block-paragraph\">\u00ab<em> Il faudrait que je gagne beaucoup plus d&#8217;argent. \u00bb<\/em><\/p>\n<\/blockquote>\n\n\n\n<p class=\"wp-block-paragraph\">Pourtant, ce n&#8217;est g\u00e9n\u00e9ralement pas le salaire qui fait la diff\u00e9rence.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le v\u00e9ritable moteur de la richesse afin de devenir millionaire porte un nom : <strong>les int\u00e9r\u00eats compos\u00e9s<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au d\u00e9but, quand tu commences \u00e0 investir, les int\u00e9r\u00eats compos\u00e9s semblent presque inexistants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puis, presque sans que l&#8217;on s&#8217;en rende compte, ils commencent \u00e0 travailler \u00e0 notre place. Et c&#8217;est pr\u00e9cis\u00e9ment \u00e0 ce moment-l\u00e0 que tout s&#8217;acc\u00e9l\u00e8re.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dans cet article, nous allons d\u00e9couvrir combien de temps il faut r\u00e9ellement pour atteindre un million de dollars selon diff\u00e9rents sc\u00e9narios.<\/p>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#550202\"><strong>\u26a0\ufe0f Les chiffres pr\u00e9sent\u00e9s sont des simulations bas\u00e9es sur des rendements historiques. Les performances pass\u00e9es ne garantissent jamais les performances futures. Investir comporte un risque de perte en capital.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-2\"><span class=\"ez-toc-section\" id=\"Les_5_facteurs_qui_determinent_la_vitesse_a_laquelle_tu_deviendras_libre_financierement\"><\/span>Les 5 facteurs qui d\u00e9terminent la vitesse \u00e0 laquelle tu deviendras libre financi\u00e8rement<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup pensent que pour devenir millionnaire, il suffit de choisir le &#8220;bon investissement&#8221;.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, cinq variables influencent \u00e9norm\u00e9ment le r\u00e9sultat :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>combien tu investis chaque mois <\/li>\n\n\n\n<li>le capital que tu poss\u00e8des d\u00e9j\u00e0 <\/li>\n\n\n\n<li>le rendement moyen de tes placements <\/li>\n\n\n\n<li>le nombre d&#8217;ann\u00e9es pendant lesquelles tu restes investi <\/li>\n\n\n\n<li>le montant dont tu auras besoin une fois libre financi\u00e8rement<\/li>\n<\/ul>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c32cbb179&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c32cbb179\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28947\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?fit=1254%2C1254&amp;ssl=1\" data-orig-size=\"1254,1254\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; les 5 facteurs qui d\u00e9terminent ton ind\u00e9pendance financi\u00e8re\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=600%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-28947\" style=\"width:464px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=1200%2C1200&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-les-5-facteurs-qui-determinent-ton-independance-financiere.png?w=1254&amp;ssl=1 1254w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-3\"><span class=\"ez-toc-section\" id=\"Quatre_investisseurs_quatre_destins_differents\"><\/span>Quatre investisseurs, quatre destins diff\u00e9rents<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons maintenant quatre personnes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles investissent toutes r\u00e9guli\u00e8rement, mais avec des situations de d\u00e9part diff\u00e9rentes.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.85rem\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Clara<\/th><th class=\"has-text-align-center\" data-align=\"center\">Patrick<\/th><th class=\"has-text-align-center\" data-align=\"center\">Xavier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Marc<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Montant vers\u00e9 chaque mois afin d&#8217;investir<\/td><td class=\"has-text-align-center\" data-align=\"center\">300 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">500 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">600 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">800 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Capital initial d\u00e9j\u00e0 investi<\/td><td class=\"has-text-align-center\" data-align=\"center\">20&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">20&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">50&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">100&#8217;000 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">Rentabilit\u00e9 annuelle net <br>(Pr\u00e9vision)<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">7%<\/td><td class=\"has-text-align-center\" data-align=\"center\">9%<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Leur objectif est identique :<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u27a1\ufe0f g\u00e9n\u00e9rer <strong>3 000 USD par mois<\/strong> gr\u00e2ce \u00e0 leurs investissements.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Avec un taux de retrait prudent (4% par ann\u00e9e), cela repr\u00e9sente environ <strong>900 000 USD de patrimoine<\/strong> \u00e0 atteindre.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Voici le temps n\u00e9cessaire \u00e0 chacun pour y parvenir.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.85rem\"><table><thead><tr><th class=\"has-text-align-center\" data-align=\"center\"><\/th><th class=\"has-text-align-center\" data-align=\"center\">Clara<\/th><th class=\"has-text-align-center\" data-align=\"center\">Patrick<\/th><th class=\"has-text-align-center\" data-align=\"center\">Xavier<\/th><th class=\"has-text-align-center\" data-align=\"center\">Marc<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">Nombre d&#8217;ann\u00e9es avant de devenir FIRE<\/td><td class=\"has-text-align-center\" data-align=\"center\">38 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">32 ans et <br>8 mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">27 ans et <br>6 mois<\/td><td class=\"has-text-align-center\" data-align=\"center\">18 ans et <br>3 mois<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Le r\u00e9sultat est frappant.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Marc atteint son objectif <strong>pr\u00e8s de vingt ans avant Clara<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pas parce qu&#8217;il est plus intelligent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Car il :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investit davantage chaque mois<\/li>\n\n\n\n<li>poss\u00e8de un capital de d\u00e9part plus important<\/li>\n\n\n\n<li>b\u00e9n\u00e9ficie d&#8217;un meilleur rendement avec son placement<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Si Marc commence \u00e0 investir \u00e0 l&#8217;\u00e2ge de 20 ans, il sera libre financi\u00e8rement \u00e0 38 ans.<\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--50);margin-right:var(--wp--preset--spacing--50);margin-bottom:var(--wp--preset--spacing--50);margin-left:var(--wp--preset--spacing--50);padding-top:var(--wp--preset--spacing--80);padding-right:var(--wp--preset--spacing--80);padding-bottom:var(--wp--preset--spacing--80);padding-left:var(--wp--preset--spacing--80)\" class=\"wp-block-video\"><video height=\"1280\" style=\"aspect-ratio: 720 \/ 1280;\" width=\"720\" autoplay controls muted src=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-02805373-f628-4b81-b965-841cbb0bc71a.mp4\" playsinline><\/video><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-4\"><span class=\"ez-toc-section\" id=\"Atteindre_le_premier_100_000_USD_est_%E2%80%A6_le_plus_difficile\"><\/span>Atteindre le premier 100 000 USD est &#8230; le plus difficile<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Voici probablement le graphique le plus int\u00e9ressant de l&#8217;article.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Pour un rendement moyen de <strong>7% net<\/strong>, sans investissement personnel suppl\u00e9mentaire, voici le temps n\u00e9cessaire pour atteindre chaque palier de 100&#8217;000 USD.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Montant initial (USD)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant final (USD)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Temps n\u00e9cessaire (ann\u00e9es)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">10&#8217;000<\/td><td class=\"has-text-align-center\" data-align=\"center\">100 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>27 ans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">100 000<\/td><td class=\"has-text-align-center\" data-align=\"center\">200 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>10 ans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">300 000<\/td><td class=\"has-text-align-center\" data-align=\"center\">400 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>4 ans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">500 000<\/td><td class=\"has-text-align-center\" data-align=\"center\">600 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2 ans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">800 000<\/td><td class=\"has-text-align-center\" data-align=\"center\">900 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>2 ans<\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">900 000<\/td><td class=\"has-text-align-center\" data-align=\"center\">1 000 000<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>1 an<\/strong><\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Ce qui saute imm\u00e9diatement aux yeux, c&#8217;est que les premiers 100&#8217;000 USD demandent \u00e9norm\u00e9ment de patience.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche\u2026<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Une fois 100&#8217;000 USD atteints, il sera tr\u00e8s rapide de d\u00e9passer chaque tranche de 100&#8217;000 USD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, passer de <strong>900 000 USD \u00e0 1 million<\/strong> ne demande plus qu&#8217;environ <strong>1 an et 4 mois<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pourquoi une telle diff\u00e9rence ?<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Parce qu&#8217;apr\u00e8s 100&#8217;000 USD, les b\u00e9n\u00e9fices sont plus importants.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, si tu as 1&#8217;000 USD et tu gagnes 15% dans l&#8217;ann\u00e9e. Dans ce cas, tu gagnes 150 USD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En revanche, si tu as 100&#8217;000 USD et tu gagnes 15% dans l&#8217;ann\u00e9e. Dans ce cas, tu gagnes 15&#8217;000 USD.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En v\u00e9rit\u00e9, chaque fois que l&#8217;on ajoute 100&#8217;000 USD, la prochaine tranche suivante arrive plus vite gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c32cc065e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c32cc065e\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28885\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/minimaliste-et-frugaliste-6a4b94e524eeb\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"7% Annual Growth Financial Projection\" data-image-description=\"&lt;p&gt;This infographic visualizes the effect of 7% annual compound growth on a $100,000 initial investment over seven years. It includes a line graph with ascending bars representing increasing values each year, from $107,000 in year 1 to $161,994 in year 5, showing compound interest reinvestment. The image also highlights key financial concepts such as compound interest effect, long-term wealth building, financial growth opportunity, and global markets and investments through icons and text blocks. The background features light abstract cityscapes and financial charts, creating a professional and educational feel.&lt;\/p&gt;\n\" data-image-caption=\"&lt;p&gt;Illustration showing how $100,000 grows annually at 7% through compound interest over seven years.&lt;\/p&gt;\n\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=600%2C600&#038;ssl=1\" alt=\"Graph illustrating 7% annual growth of 0,000 with compound interest and financial growth concepts\" class=\"wp-image-28885\" style=\"width:370px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4b94e524eeb.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, il est fortement recommand\u00e9 g\u00e9n\u00e9rer des revenus et d&#8217;investir rapidement les premiers 100&#8217;000 USD, car les gains suivront rapidement (si l&#8217;investissement est judicieux).<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-5\"><span class=\"ez-toc-section\" id=\"de_250000_a_1000000_USD\"><\/span>de 250&#8217;000 \u00e0 1&#8217;000&#8217;000 USD<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons maintenant une autre situation.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu poss\u00e8des d\u00e9j\u00e0 <strong>250 000 USD<\/strong> investis.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Puis tu d\u00e9cides\u2026 de ne plus rien ajouter.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Tu laisses simplement le rendement s&#8217;accumuler.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff7c7\" class=\"has-inline-color\">Avec un rendement moyen de 7% par an, il te faut qu&#8217;environ&#8230; 20 ans afin que ton patrimoine d\u00e9passe le million de dollars.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Et cela, sans avoir investi un seul dollar suppl\u00e9mentaire. C&#8217;est toute la puissance des int\u00e9r\u00eats compos\u00e9s.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c32cc19a3&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c32cc19a3\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"357\" data-attachment-id=\"28953\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/evolution_investissement_7pourcent_20ans\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?fit=1980%2C1177&amp;ssl=1\" data-orig-size=\"1980,1177\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"evolution_investissement_7pourcent_20ans\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?fit=600%2C357&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=600%2C357&#038;ssl=1\" alt=\"\" class=\"wp-image-28953\" style=\"aspect-ratio:1.6544592847910384;width:498px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=600%2C357&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=300%2C178&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=768%2C457&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=1536%2C913&amp;ssl=1 1536w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=18%2C12&amp;ssl=1 18w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=1200%2C713&amp;ssl=1 1200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?resize=1320%2C785&amp;ssl=1 1320w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/evolution_investissement_7pourcent_20ans.png?w=1980&amp;ssl=1 1980w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Si as 250&#8217;000 USD et tu investis une somme assez faible chaque mois, disons 300 USD par mois. Dans ce cas, tu seras millionnaire en environ 17 ans.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Nous concluons qu&#8217;avec un investissement de 250&#8217;000 USD et un bon rendement, il est possible de devenir millionaire assez rapidement, m\u00eame en ajoutant peu d&#8217;argent chaque mois.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-6\"><span class=\"ez-toc-section\" id=\"Investir_seulement_500_USD_par_mois\"><\/span>Investir seulement 500 USD par mois ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">J&#8217;ai voulu prendre un sc\u00e9nario plus prudent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Imaginons une personne qui investit <strong>500 USD par mois<\/strong>, avec un rendement moyen plus prudent de <strong>5% par an<\/strong>.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.9rem\"><table class=\"has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Nombre d&#8217;ann\u00e9es<\/th><th class=\"has-text-align-center\" data-align=\"center\">Argent \u00e9pargn\u00e9 de sa poche<\/th><th class=\"has-text-align-center\" data-align=\"center\">Argent gagn\u00e9 uniquement en int\u00e9r\u00eats compos\u00e9s<\/th><th class=\"has-text-align-center\" data-align=\"center\">Argent accumul\u00e9 au total<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">5 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">30&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">4&#8217;051 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">34&#8217;051 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">10 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">60&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">17&#8217;511 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">77&#8217;511 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">15 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">90&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">42&#8217;977 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">132&#8217;977 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">20 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">120&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">83&#8217;768 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">203&#8217;768 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">25 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">150&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">144&#8217;118 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">294&#8217;118 USD<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">30 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">180&#8217;000 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">229&#8217;429 USD<\/td><td class=\"has-text-align-center\" data-align=\"center\">409&#8217;429 USD<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">Les premi\u00e8res ann\u00e9es peuvent sembler d\u00e9courageantes car les revenus sont faibles. Apr\u00e8s cinq ans, les int\u00e9r\u00eats repr\u00e9sentent \u00e0 peine quelques milliers de dollars.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Mais ensuite\u2026 Tout change.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats compos\u00e9s commencent \u00e0 g\u00e9n\u00e9rer davantage de richesse chaque ann\u00e9e.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au bout de trente ans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>tu as investi <strong>180 000 USD<\/strong> de ta poche ;<\/li>\n\n\n\n<li>les int\u00e9r\u00eats ont cr\u00e9\u00e9 <strong>pr\u00e8s de 230 000 USD<\/strong> suppl\u00e9mentaires.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Ton argent produit d\u00e9sormais plus de richesse que ton \u00e9pargne. Et sans rien te demander comme effort.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c32cc3f7a&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c32cc3f7a\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"23391\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/graphique-devenir-millionaire\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?fit=1024%2C1024&amp;ssl=1\" data-orig-size=\"1024,1024\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;}\" data-image-title=\"graphique devenir millionaire\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?fit=600%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=600%2C600&#038;ssl=1\" alt=\"graphique temps n\u00e9cessaire devenir millionaire\n\" class=\"wp-image-23391\" style=\"width:134px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-devenir-millionaire.jpg?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 600px) 100vw, 600px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-7\"><span class=\"ez-toc-section\" id=\"Le_compte_3a_la_methode_faignante_et_rentable\"><\/span>Le compte 3a, la m\u00e9thode faignante et rentable<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Pour un r\u00e9sident en Suisse, il est possible d&#8217;investir tr\u00e8s facilement pour b\u00e9n\u00e9ficier des int\u00e9r\u00eats compos\u00e9s \u00e0 long terme et &#8230; \u00e9conomiser des imp\u00f4ts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est via un compte 3a global 100.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">En r\u00e9alit\u00e9, certains comptes 3a permettent d&#8217;investir 99% de l&#8217;\u00e9pargne en bourse via des indices boursiers ou des ETF.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Selon mon opinion, historiquement, les meilleurs comptes 3a qui m\u00e9langent diversification et rentabilit\u00e9 sont:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>finpension 3a global 100<\/li>\n\n\n\n<li>viac 3a global 100<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Au moment o\u00f9 j&#8217;\u00e9cris, la rentabilit\u00e9 annuelle est d&#8217;environ 7-9% par an sur 10 ans en CHF (soit 8-10% par an en USD).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les \u00e9conomies d&#8217;imp\u00f4ts et le rendement sont excellents sur le long terme.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Par exemple, en imaginant un apport mensuel de 550 CHF par mois et une \u00e9conomie d&#8217;imp\u00f4ts annuelle de 750 CHF d&#8217;imp\u00f4ts. Voici le rendement en 25 ans, en supposant une rentabilit\u00e9 de 7% par ann\u00e9e:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--5\"><table class=\"has-fixed-layout\"><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">\u00e9conomies d&#8217;imp\u00f4ts en 25 ans<\/td><td class=\"has-text-align-center\" data-align=\"center\">18&#8217;750 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">apport de la poche du client 3a<\/td><td class=\"has-text-align-center\" data-align=\"center\">165&#8217;000 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">rendement des int\u00e9r\u00eats compos\u00e9s<\/td><td class=\"has-text-align-center\" data-align=\"center\">268&#8217;271 CHF<\/td><\/tr><\/tbody><tfoot><tr><td class=\"has-text-align-center\" data-align=\"center\"><\/td><td class=\"has-text-align-center\" data-align=\"center\">452&#8217;021 CHF<\/td><\/tr><\/tfoot><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">25 ans plus tard, le client a:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>gagn\u00e9 presque 300&#8217;000 CHF juste en int\u00e9r\u00eats compos\u00e9s<\/li>\n\n\n\n<li>plus de 430&#8217;000 CHF dans son compte 3a pour profiter de sa retraite<\/li>\n\n\n\n<li>\u00e9conomis\u00e9 plus de 18&#8217;000 CHF d&#8217;imp\u00f4ts<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Et cela, pour un travail de 5 minutes par an (cr\u00e9er un virement mensuel de 550 CHF vers son compte 3a), il n&#8217;y a pas de gestion \u00e0 faire pour son placement financier.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Au moment de l&#8217;\u00e9criture de cet article, si tu ouvres un compte 3a chez finpension, on re\u00e7oit 25 CHF chacun (sous certaines conditions). Voici mon code \u00e0 utiliser pour ouvrir ton compte:<\/p>\n\n\n\n<p class=\"has-pale-cyan-blue-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\"><strong>9NHWDL<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-9\"><span class=\"ez-toc-section\" id=\"Que_faire_pour_accelerer_lindependance_financiere\"><\/span>Que faire pour acc\u00e9l\u00e9rer l&#8217;ind\u00e9pendance financi\u00e8re ?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Apr\u00e8s ce chapitre, tu te demandes comment acc\u00e9l\u00e9rer ton ind\u00e9pendance financi\u00e8re ?<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Voici mes cinq conseils principaux pour acc\u00e9l\u00e9rer l&#8217;ind\u00e9pendance financi\u00e8re:<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-10\"><span class=\"ez-toc-section\" id=\"epargner_au_maximum\"><\/span><strong>\u00e9pargner au maximum<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Optimise tes d\u00e9penses afin d&#8217;\u00e9pargner, il est plus facile de devenir millionnaire avec des d\u00e9penses faibles qu&#8217;avec des d\u00e9penses \u00e9lev\u00e9s.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-11\"><span class=\"ez-toc-section\" id=\"choisir_un_ETF_diversifie\"><\/span>choisir un<strong> ETF diversifi\u00e9<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Aujourd&#8217;hui, il est simple d&#8217;investir dans des placements passifs diversifi\u00e9s avec un rendement historique de 8-12% brut par an sur 10 ans, comme par exemple, un ETF S&amp;P 500 ou un ETF global multi-secteurs (Exemple VT). Bien que le rendement pass\u00e9 ne garantisse pas le futur, il est important \u00e0 prendre en consid\u00e9ration.<br>Ainsi, analyse ton ETF favori, avec ses points forts et ses points faibles.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-12\"><span class=\"ez-toc-section\" id=\"investir_le_maximum_des_aujourdhui_dans_un_ETF_et_chaque_mois\"><\/span><strong>investir le maximum d\u00e8s aujourd&#8217;hui dans un ETF, et chaque mois<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Investis maintenant et chaque mois dans ton ETF choisi. N&#8217;oublie pas que chaque mois sans investir te co\u00fbte de l&#8217;argent et retarde ta libert\u00e9 financi\u00e8re.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-13\"><span class=\"ez-toc-section\" id=\"etre_patient\"><\/span><strong>\u00eatre patient<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Il est rare de devenir millionnaire rapidement. Donne du temps \u00e0 tes investissements pour grandir. N&#8217;h\u00e9site pas \u00e0 attendre au moins 10 ans. Le temps est l&#8217;ami de l&#8217;investisseur pour s&#8217;enrichir.<\/p>\n\n\n\n<h4 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-14\"><span class=\"ez-toc-section\" id=\"Generer_de_nouveaux_revenus\"><\/span><strong>G\u00e9n\u00e9rer de nouveaux revenus<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">Afin d&#8217;investir davantage, cr\u00e9e de nouveaux revenus. Comme par exemple, chercher un deuxi\u00e8me job ou mon\u00e9tiser une passion. Cela t&#8217;aidera \u00e0 atteindre plus rapidement des revenus passifs.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a96c32cc747e&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a96c32cc747e\" class=\"wp-block-image aligncenter size-large is-resized wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"400\" height=\"600\" data-attachment-id=\"28934\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/temps-necessaire-devenir-millionnaire\/graphique-accelerer-lindependance-financiere-2\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?fit=1024%2C1536&amp;ssl=1\" data-orig-size=\"1024,1536\" data-comments-opened=\"1\" data-image-meta=\"{&quot;aperture&quot;:&quot;0&quot;,&quot;credit&quot;:&quot;&quot;,&quot;camera&quot;:&quot;&quot;,&quot;caption&quot;:&quot;&quot;,&quot;created_timestamp&quot;:&quot;0&quot;,&quot;copyright&quot;:&quot;&quot;,&quot;focal_length&quot;:&quot;0&quot;,&quot;iso&quot;:&quot;0&quot;,&quot;shutter_speed&quot;:&quot;0&quot;,&quot;title&quot;:&quot;&quot;,&quot;orientation&quot;:&quot;0&quot;,&quot;alt&quot;:&quot;&quot;}\" data-image-title=\"graphique &amp;#8211; accelerer l&amp;#8217;ind\u00e9pendance financi\u00e8re\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?fit=400%2C600&amp;ssl=1\" data-wp-class--hide=\"state.isContentHidden\" data-wp-class--show=\"state.isContentVisible\" data-wp-init=\"callbacks.setButtonStyles\" data-wp-on--click=\"actions.showLightbox\" data-wp-on--load=\"callbacks.setButtonStyles\" data-wp-on--pointerdown=\"actions.preloadImage\" data-wp-on--pointerenter=\"actions.preloadImageWithDelay\" data-wp-on--pointerleave=\"actions.cancelPreload\" data-wp-on-window--resize=\"callbacks.setButtonStyles\" src=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=400%2C600&#038;ssl=1\" alt=\"\" class=\"wp-image-28934\" style=\"aspect-ratio:0.6745362563237775;width:548px;height:auto\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=400%2C600&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=200%2C300&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=768%2C1152&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=8%2C12&amp;ssl=1 8w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?resize=600%2C900&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2025\/05\/graphique-accelerer-lindependance-financiere-1.png?w=1024&amp;ssl=1 1024w\" sizes=\"auto, (max-width: 400px) 100vw, 400px\" \/><button\n\t\t\tclass=\"lightbox-trigger\"\n\t\t\ttype=\"button\"\n\t\t\taria-haspopup=\"dialog\"\n\t\t\tdata-wp-bind--aria-label=\"state.thisImage.triggerButtonAriaLabel\"\n\t\t\tdata-wp-init=\"callbacks.initTriggerButton\"\n\t\t\tdata-wp-on--click=\"actions.showLightbox\"\n\t\t\tdata-wp-style--right=\"state.thisImage.buttonRight\"\n\t\t\tdata-wp-style--top=\"state.thisImage.buttonTop\"\n\t\t>\n\t\t\t<svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"12\" height=\"12\" fill=\"none\" viewBox=\"0 0 12 12\">\n\t\t\t\t<path fill=\"#fff\" d=\"M2 0a2 2 0 0 0-2 2v2h1.5V2a.5.5 0 0 1 .5-.5h2V0H2Zm2 10.5H2a.5.5 0 0 1-.5-.5V8H0v2a2 2 0 0 0 2 2h2v-1.5ZM8 12v-1.5h2a.5.5 0 0 0 .5-.5V8H12v2a2 2 0 0 1-2 2H8Zm2-12a2 2 0 0 1 2 2v2h-1.5V2a.5.5 0 0 0-.5-.5H8V0h2Z\" \/>\n\t\t\t<\/svg>\n\t\t<\/button><\/figure>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<h5 class=\"wp-block-heading has-pale-pink-color has-text-color has-link-color wp-elements-15\"><span class=\"ez-toc-section\" id=\"Le_temps_est_votre_meilleur_investissement\"><\/span>Le temps est votre meilleur investissement<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Beaucoup pensent que devenir millionnaire est r\u00e9serv\u00e9 aux personnes qui gagnent un salaire exceptionnel ou qui prennent des risques d\u00e9mesur\u00e9s. Pourtant, les simulations pr\u00e9sent\u00e9es dans cet article montrent une r\u00e9alit\u00e9 bien diff\u00e9rente.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Le v\u00e9ritable secret de l&#8217;enrichissement r\u00e9side dans la r\u00e9gularit\u00e9 d&#8217;investissement, la patience et la puissance des int\u00e9r\u00eats compos\u00e9s. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Les premi\u00e8res ann\u00e9es sont souvent les plus difficiles, car les gains sont tr\u00e8s modestes. Mais ensuite, plus votre capital grandit, plus il travaille \u00e0 votre place. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est ce qui explique pourquoi atteindre les premiers <strong>100 000 USD<\/strong> demande beaucoup plus d&#8217;efforts que de passer de <strong>900 000 USD \u00e0 1 million USD<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Que tu investississes dans un ETF Monde, un ETF S&amp;P 500 ou un autre placement de long terme, le principe reste le m\u00eame : <strong>commencer t\u00f4t vaut souvent mieux qu&#8217;investir davantage plus tard<\/strong>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Si ton objectif est d&#8217;atteindre l&#8217;ind\u00e9pendance financi\u00e8re (FIRE), ne cherche pas le placement miracle. Concentre-toi plut\u00f4t sur les \u00e9l\u00e9ments que tu peux r\u00e9ellement ma\u00eetriser :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>investir r\u00e9guli\u00e8rement <\/li>\n\n\n\n<li>augmenter progressivement ta capacit\u00e9 d&#8217;\u00e9pargne <\/li>\n\n\n\n<li>rester investi sur plusieurs d\u00e9cennies <\/li>\n\n\n\n<li>\u00e9viter de c\u00e9der \u00e0 la panique lors des baisses des march\u00e9s <\/li>\n\n\n\n<li>donner du temps aux int\u00e9r\u00eats compos\u00e9s afin qu&#8217;ils grandissent<\/li>\n\n\n\n<li>choisir un ETF rentable qui correspond \u00e0 ton profil<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Au final, devenir millionnaire n&#8217;est pas forc\u00e9ment une question de d&#8217;intelligence, c&#8217;est souvent une question de discipline financi\u00e8re et de patience. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Le meilleur moment pour devenir millionnaire \u00e9tait il y a 10 ans. Comme on ne peut pas revenir en arri\u00e8re, le meilleur moment pour investir et devenir millionnaire c&#8217;est &#8230; aujourd&#8217;hui.<\/strong><\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_Devenir_millionnaire_grace_aux_interets_composes\"><\/span>FAQ : Devenir millionnaire gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-16\"><span class=\"ez-toc-section\" id=\"Combien_de_temps_faut-il_pour_devenir_millionnaire_en_investissant\"><\/span>Combien de temps faut-il pour devenir millionnaire en investissant ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le temps n\u00e9cessaire pour devenir millionnaire d\u00e9pend principalement de votre capital de d\u00e9part, du montant investi chaque mois, du rendement annuel moyen de vos placements et de votre dur\u00e9e d&#8217;investissement. Avec un rendement moyen de 7% par an et un investissement r\u00e9gulier, atteindre 1 million peut prendre entre 25 et 40 ans selon votre situation.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-17\"><span class=\"ez-toc-section\" id=\"Quel_rendement_annuel_faut-il_pour_devenir_millionnaire\"><\/span>Quel rendement annuel faut-il pour devenir millionnaire ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Un rendement moyen compris entre <strong>7 % et 10 % par an<\/strong> est souvent utilis\u00e9 dans les simulations de long terme. Historiquement, les actions mondiales et certains ETF ont offert des performances proches de cette fourchette sur plusieurs d\u00e9cennies. Toutefois, les performances pass\u00e9es ne garantissent jamais les performances futures.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-black-color has-white-background-color has-text-color has-background has-link-color wp-elements-18\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_interets_composes_sont-ils_si_puissants\"><\/span>Pourquoi les int\u00e9r\u00eats compos\u00e9s sont-ils si puissants ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats compos\u00e9s permettent de g\u00e9n\u00e9rer des gains non seulement sur votre capital initial, mais \u00e9galement sur les int\u00e9r\u00eats d\u00e9j\u00e0 accumul\u00e9s. Plus la dur\u00e9e d&#8217;investissement est longue, plus cet effet devient important. C&#8217;est pourquoi les premi\u00e8res ann\u00e9es semblent lentes, alors que les derni\u00e8res ann\u00e9es acc\u00e9l\u00e8rent fortement la croissance du patrimoine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-19\"><span class=\"ez-toc-section\" id=\"Est-il_possible_de_devenir_millionnaire_avec_un_ETF_Monde\"><\/span>Est-il possible de devenir millionnaire avec un ETF Monde ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. De nombreux investisseurs utilisent un ETF Monde comme investissement principal pour construire leur patrimoine sur plusieurs d\u00e9cennies. Gr\u00e2ce \u00e0 sa diversification internationale et \u00e0 ses faibles frais, un ETF Monde constitue une solution populaire pour investir \u00e0 long terme. Cependant, sa valeur peut fluctuer et aucun rendement futur n&#8217;est garanti.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-20\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_investir_chaque_mois_pour_devenir_millionnaire\"><\/span>Combien faut-il investir chaque mois pour devenir millionnaire ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;existe pas de montant universel. Plus vous investissez r\u00e9guli\u00e8rement et plus vous commencez t\u00f4t, plus vous augmentez vos chances d&#8217;atteindre le million. M\u00eame quelques centaines de dollars ou d&#8217;euros investis chaque mois peuvent produire un patrimoine important gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s sur une p\u00e9riode de plusieurs d\u00e9cennies.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-21\"><span class=\"ez-toc-section\" id=\"Quel_est_le_placement_le_plus_efficace_pour_profiter_des_interets_composes\"><\/span>Quel est le placement le plus efficace pour profiter des int\u00e9r\u00eats compos\u00e9s ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les placements de long terme comme les ETF diversifi\u00e9s, les actions ou certains fonds d&#8217;investissement sont souvent privil\u00e9gi\u00e9s pour b\u00e9n\u00e9ficier pleinement des int\u00e9r\u00eats compos\u00e9s. L&#8217;essentiel est de rester investi suffisamment longtemps afin de laisser le capital cro\u00eetre.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-22\"><span class=\"ez-toc-section\" id=\"Peut-on_devenir_libre_financierement_sans_etre_millionnaire\"><\/span>Peut-on devenir libre financi\u00e8rement sans \u00eatre millionnaire ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. L&#8217;ind\u00e9pendance financi\u00e8re (FIRE) d\u00e9pend avant tout de vos d\u00e9penses annuelles. Une personne qui d\u00e9pense peu peut devenir libre financi\u00e8rement avec un patrimoine bien inf\u00e9rieur \u00e0 un million, tandis qu&#8217;une personne ayant un train de vie \u00e9lev\u00e9 aura besoin d&#8217;un capital beaucoup plus important.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-23\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_premiers_100_000_sont-ils_les_plus_difficiles_a_atteindre\"><\/span>Pourquoi les premiers 100 000 sont-ils les plus difficiles \u00e0 atteindre ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Au d\u00e9but de votre parcours d&#8217;investissement, la majeure partie de votre patrimoine provient de votre \u00e9pargne personnelle. Les int\u00e9r\u00eats compos\u00e9s restent relativement faibles. Une fois un capital important constitu\u00e9, les rendements g\u00e9n\u00e9r\u00e9s par votre portefeuille deviennent de plus en plus \u00e9lev\u00e9s, ce qui acc\u00e9l\u00e8re consid\u00e9rablement la croissance de votre patrimoine.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"Faut-il_commencer_a_investir_le_plus_tot_possible\"><\/span>Faut-il commencer \u00e0 investir le plus t\u00f4t possible ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Le temps est l&#8217;un des facteurs les plus importants en mati\u00e8re d&#8217;investissement. Commencer \u00e0 investir t\u00f4t permet de profiter plus longtemps des int\u00e9r\u00eats compos\u00e9s. M\u00eame avec des montants modestes, plusieurs d\u00e9cennies de croissance peuvent faire une diff\u00e9rence consid\u00e9rable.<\/p>\n\n\n\n<h3 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background has-link-color wp-elements-25\"><span class=\"ez-toc-section\" id=\"Les_interets_composes_garantissent-ils_de_devenir_millionnaire\"><\/span>Les int\u00e9r\u00eats compos\u00e9s garantissent-ils de devenir millionnaire ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Non. Les int\u00e9r\u00eats compos\u00e9s augmentent le potentiel de croissance d&#8217;un investissement, mais ils ne garantissent aucun r\u00e9sultat. Les march\u00e9s financiers \u00e9voluent \u00e0 la hausse comme \u00e0 la baisse, et chaque investissement comporte un risque de perte en capital. Il est donc important d&#8217;investir selon son profil de risque, son horizon de placement et de diversifier ses placements financiers.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color has-light-green-cyan-color wp-elements-26\"><span class=\"ez-toc-section\" id=\"Le_Temps_Necessaire_pour_Devenir_Millionnaire\"><\/span><strong>Le Temps N\u00e9cessaire pour Devenir Millionnaire<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#08481b\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/p>\n\n\n<div class=\"wp-block-jetpack-subscriptions__supports-newline wp-block-jetpack-subscriptions\">\n\t\t<div>\n\t\t\t<div>\n\t\t\t\t<div>\n\t\t\t\t\t<p >\n\t\t\t\t\t\t<a href=\"https:\/\/minimalistefrugaliste.com\/en\/?post_type=post&#038;p=23307\" style=\"font-size: 16px;padding: 15px 23px 15px 23px;margin: 0; margin-left: 10px;border-radius: 0px;border-width: 1px; background-color: #113AF5; color: #FFFFFF; text-decoration: none; white-space: nowrap; margin-left: 0\">Abonne-toi<\/a>\n\t\t\t\t\t<\/p>\n\t\t\t\t<\/div>\n\t\t\t<\/div>\n\t\t<\/div>\n\t<\/div>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-background\" style=\"background-color:#2a0202\"><strong>Tu as un projet frugaliste ou minimaliste et tu souhaites une formation? Clique &#8221;<a href=\"https:\/\/minimalistefrugaliste.com\/contact\/\" target=\"_blank\" rel=\"noreferrer noopener\">ici<\/a>&#8221;.<\/strong><\/h5>\n\n\n\n<ul class=\"wp-block-social-links is-content-justification-center is-layout-flex wp-container-core-social-links-is-layout-a89b3969 wp-block-social-links-is-layout-flex\"><li class=\"wp-social-link wp-social-link-youtube wp-block-social-link\"><a href=\"https:\/\/www.youtube.com\/@minimalistefrugaliste\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M21.8,8.001c0,0-0.195-1.378-0.795-1.985c-0.76-0.797-1.613-0.801-2.004-0.847c-2.799-0.202-6.997-0.202-6.997-0.202 h-0.009c0,0-4.198,0-6.997,0.202C4.608,5.216,3.756,5.22,2.995,6.016C2.395,6.623,2.2,8.001,2.2,8.001S2,9.62,2,11.238v1.517 c0,1.618,0.2,3.237,0.2,3.237s0.195,1.378,0.795,1.985c0.761,0.797,1.76,0.771,2.205,0.855c1.6,0.153,6.8,0.201,6.8,0.201 s4.203-0.006,7.001-0.209c0.391-0.047,1.243-0.051,2.004-0.847c0.6-0.607,0.795-1.985,0.795-1.985s0.2-1.618,0.2-3.237v-1.517 C22,9.62,21.8,8.001,21.8,8.001z M9.935,14.594l-0.001-5.62l5.404,2.82L9.935,14.594z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">YouTube<\/span><\/a><\/li>\n\n<li class=\"wp-social-link wp-social-link-linkedin wp-block-social-link\"><a href=\"https:\/\/www.linkedin.com\/in\/minimalistefrugaliste\/\" class=\"wp-block-social-link-anchor\"><svg width=\"24\" height=\"24\" viewBox=\"0 0 24 24\" version=\"1.1\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" aria-hidden=\"true\" focusable=\"false\"><path d=\"M19.7,3H4.3C3.582,3,3,3.582,3,4.3v15.4C3,20.418,3.582,21,4.3,21h15.4c0.718,0,1.3-0.582,1.3-1.3V4.3 C21,3.582,20.418,3,19.7,3z M8.339,18.338H5.667v-8.59h2.672V18.338z M7.004,8.574c-0.857,0-1.549-0.694-1.549-1.548 c0-0.855,0.691-1.548,1.549-1.548c0.854,0,1.547,0.694,1.547,1.548C8.551,7.881,7.858,8.574,7.004,8.574z M18.339,18.338h-2.669 v-4.177c0-0.996-0.017-2.278-1.387-2.278c-1.389,0-1.601,1.086-1.601,2.206v4.249h-2.667v-8.59h2.559v1.174h0.037 c0.356-0.675,1.227-1.387,2.526-1.387c2.703,0,3.203,1.779,3.203,4.092V18.338z\"><\/path><\/svg><span class=\"wp-block-social-link-label screen-reader-text\">LinkedIn<\/span><\/a><\/li><\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>N&#8217;h\u00e9site pas \u00e0 lire mes Pages<\/strong><\/h5>\n\n\n<ul class=\"wp-block-page-list\"><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/a-propos-de-moi\/\">\u00c0 propos de moi<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/epargne-frugalisme\/\">\u00c9pargne \/ Frugalisme<\/a><\/li><li class=\"wp-block-pages-list__item menu-item-home\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/\">Bienvenue<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/blog\/\">Blog<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/boutique\/\">Boutique<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/contact-dons\/\">Contact<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/formation-e-book\/\">Formation \/ E-book<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investissement\/\">Investissement<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/page-minimaliste\/\">Minimaliste<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/mon-compte\/\">Mon compte<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/newsletter\/\">Newsletter<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/panier\/\">Panier<\/a><\/li><li class=\"wp-block-pages-list__item\"><a class=\"wp-block-pages-list__item__link\" href=\"https:\/\/minimalistefrugaliste.com\/en\/commander\/\">Validation de la commande<\/a><\/li><\/ul>\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-cyan-bluish-gray-background-color has-text-color has-background\"><strong>Derniers articles<\/strong><\/h5>\n\n\n<ul class=\"wp-block-latest-posts__list wp-block-latest-posts is-layout-flow wp-block-latest-posts-is-layout-flow\"><li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/investir-etranger-taux-change-ne-dit-pas\/\">Investir \u00e0 l&#8217;\u00e9tranger : ce que le taux de change ne dit pas<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-optimiser-son-2eme-pilier\/\">Comment optimiser son 2\u00e8me pilier?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/2eme-pilier-bases-comprendre\/\">2\u00e8me pilier: Les bases \u00e0 comprendre<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/top-5-astuces-pour-gagner-de-largent-depuis-chez-soi\/\">Top 5 astuces pour gagner de l\u2019argent depuis chez soi<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-version-simplifiee\/\">Comment investir 1200 CHF &#8211; Version simplifi\u00e9e<\/a><\/li>\n<\/ul>\n\n\n<hr class=\"wp-block-separator has-alpha-channel-opacity is-style-dots\"\/>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Comment vit ce blog?<\/strong><\/h5>\n\n\n\n<p class=\"wp-block-paragraph\">Globalement, ce blog vit du partage d\u2019un mode de vie frugale et minimaliste.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Pour une question de transparence envers les lecteurs. Tous les produits conseill\u00e9s sont dans le but de rendre la vie moins ch\u00e8re, plus simple et pour favoriser l&#8217;essentiel.<\/p>\n\n\n\n<p class=\"has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-27 wp-block-paragraph\"><strong>Essentiellement, mes seuls revenus avec ce blog viennent:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Des formations que je r\u00e9alise, <\/li>\n\n\n\n<li>Des codes promo pour les produits que j\u2019utilise <\/li>\n\n\n\n<li>Des dons que les lecteurs font en \u00e9change d\u2019informations neutres.<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>\u00c0 propos de Moi<\/strong><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-28\"><strong>J&#8217;ai en effet d\u00e9cid\u00e9 de cr\u00e9er ce blog pour me d\u00e9velopper et aider les lecteurs qui recherchent une vie plus simple et plus \u00e9conome.<\/strong><\/h6>\n\n\n\n<p class=\"wp-block-paragraph\">Comparativement \u00e0 avant, j&#8217;\u00e9tais une personne qui consommais beaucoup <strong><span style=\"text-decoration: underline;\">jusqu&#8217;au jour o\u00f9 j&#8217;ai compris que ma consommation me rendais plus triste et plus pauvre<\/span><\/strong> \ud83d\ude11<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">D\u00e9sormais, <strong><span style=\"text-decoration: underline;\">je privil\u00e9gie le minimum de mes besoins pour \u00eatre heureux et atteindre ma libert\u00e9 financi\u00e8re.<\/span><\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Sans me rendre compte, j<strong><span style=\"text-decoration: underline;\">&#8216;ai commenc\u00e9 \u00e0 privil\u00e9gier l&#8217;\u00e9pargne et les investissements pour d\u00e9pendre d&#8217;un patron le moins longtemps possible<\/span><\/strong> et pour acc\u00e9l\u00e9rer mes projets personnels.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">De ce fait, je m&#8217;enrichis d&#8217;une fa\u00e7on que j&#8217;aurai jamais imagin\u00e9 vu que j&#8217;ai un salaire moyen en Suisse.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est dans ce but que j&#8217;ai d\u00e9cid\u00e9 de cr\u00e9er ce blog. Afin de partager et apprendre avec d&#8217;autres personnes qui recherchent \u00e0 la libert\u00e9 et la simplicit\u00e9 \ud83d\ude09<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color\"><strong>Es-tu plut\u00f4t minimaliste ou frugaliste Jonny?<\/strong><\/h5>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\"><strong><span style=\"text-decoration: underline;\">Je suis aussi bien minimaliste que frugaliste.<\/span><\/strong> Toutefois, il y a des situations o\u00f9 je me penche plus vers un art de vie.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">Pour conclure, je pense que le plus important est se sentir confortable dans son art de vie \ud83d\ude0a<\/p>\n","protected":false},"excerpt":{"rendered":"<p>La plupart des gens pensent qu&#8217;il faut gagner des fortunes pour devenir millionnaire. Pourtant, la r\u00e9alit\u00e9 est souvent bien diff\u00e9rente. Gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s, un investissement r\u00e9gulier, m\u00eame modeste, peut se transformer en un patrimoine impressionnant avec le temps. D\u00e9couvrez pourquoi le facteur le plus puissant de l&#8217;enrichissement n&#8217;est pas l&#8217;argent&#8230; mais les ann\u00e9es que vous laissez votre capital travailler pour vous.<\/p>","protected":false},"author":215552267,"featured_media":28983,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_jetpack_newsletter_access":"","_jetpack_dont_email_post_to_subs":false,"_jetpack_newsletter_tier_id":0,"_jetpack_memberships_contains_paywalled_content":false,"_wpcom_ai_launchpad_first_post":false,"_jetpack_feature_clip_id":28972,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"","jetpack_publicize_feature_enabled":true,"jetpack_social_post_already_shared":true,"jetpack_social_options":{"image_generator_settings":{"template":"highway","default_image_id":0,"font":"","enabled":false},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728545059,728545566,728545641,728542816,728544022,728544347,728544209,728545228,728544573,728545229,728544771,728545643,728545642,728545216,728545644],"class_list":["post-23307","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-education-financiere","tag-epargne-intelligente","tag-devenir-millionnaire","tag-etf","tag-independance-financiere","tag-interets-composes","tag-investir-en-bourse","tag-investissement-long-terme","tag-investissement-passif","tag-liberte-financiere","tag-patrimoine-financier","tag-planification-financiere","tag-rendement-des-placements","tag-revenus-passifs","tag-richesse-a-long-terme"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Le Temps N\u00e9cessaire pour Devenir Millionnaire - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"Quel est le temps n\u00e9cessaire pour devenir millionnaire? Voici un article qui r\u00e9sume cette question avec quelques exemples simples \ud83d\ude09\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/minimalistefrugaliste.com\/en\/time-needed-to-become-a-millionaire\/\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Le Temps N\u00e9cessaire pour Devenir Millionnaire - Minimaliste et Frugaliste\" \/>\n<meta property=\"og:description\" content=\"Quel est le temps n\u00e9cessaire pour devenir millionnaire? Voici un article qui r\u00e9sume cette question avec quelques exemples simples \ud83d\ude09\" \/>\n<meta property=\"og:url\" content=\"https:\/\/minimalistefrugaliste.com\/en\/time-needed-to-become-a-millionaire\/\" \/>\n<meta property=\"og:site_name\" content=\"Minimaliste et Frugaliste\" \/>\n<meta property=\"article:published_time\" content=\"2026-07-07T08:30:05+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-07-07T12:54:58+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1024\" \/>\n\t<meta property=\"og:image:height\" content=\"1024\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"Minimaliste et Frugaliste\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/MinimalFrugal\" \/>\n<meta name=\"twitter:site\" content=\"@MinimalFrugal\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Minimaliste et Frugaliste\" \/>\n\t<meta name=\"twitter:label2\" content=\"Estimated reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"13 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/\"},\"author\":{\"name\":\"Minimaliste et Frugaliste\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"headline\":\"Le Temps N\u00e9cessaire pour Devenir Millionnaire\",\"datePublished\":\"2026-07-07T08:30:05+00:00\",\"dateModified\":\"2026-07-07T12:54:58+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/\"},\"wordCount\":2843,\"commentCount\":0,\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1\",\"keywords\":[\"\u00e9ducation financi\u00e8re\",\"\u00e9pargne intelligente\",\"devenir millionnaire\",\"ETF\",\"ind\u00e9pendance financi\u00e8re\",\"int\u00e9r\u00eats compos\u00e9s\",\"investir en bourse\",\"investissement long terme\",\"investissement passif\",\"libert\u00e9 financi\u00e8re\",\"patrimoine financier\",\"planification financi\u00e8re\",\"rendement des placements\",\"revenus passifs\",\"richesse \u00e0 long terme\"],\"articleSection\":[\"Investissement\"],\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/\",\"name\":\"Le Temps N\u00e9cessaire pour Devenir Millionnaire - Minimaliste et Frugaliste\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1\",\"datePublished\":\"2026-07-07T08:30:05+00:00\",\"dateModified\":\"2026-07-07T12:54:58+00:00\",\"description\":\"Quel est le temps n\u00e9cessaire pour devenir millionnaire? Voici un article qui r\u00e9sume cette question avec quelques exemples simples \ud83d\ude09\",\"breadcrumb\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#breadcrumb\"},\"inLanguage\":\"en-GB\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#primaryimage\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2026\\\/07\\\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1\",\"width\":1024,\"height\":1024,\"caption\":\"A businesswoman explains compound interest growth illustrating millionaire milestones.\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/temps-necessaire-devenir-millionnaire\\\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Accueil\",\"item\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Le Temps N\u00e9cessaire pour Devenir Millionnaire\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#website\",\"url\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/\",\"name\":\"Minimaliste et Frugaliste\",\"description\":\"L&#039;essentiel, la simplicit\u00e9 et la libert\u00e9 financi\u00e8re\",\"publisher\":{\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\"},\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-GB\"},{\"@type\":[\"Person\",\"Organization\"],\"@id\":\"https:\\\/\\\/minimalistefrugaliste.com\\\/#\\\/schema\\\/person\\\/53bc683d7aaaffc590f5316600c765aa\",\"name\":\"Minimaliste et Frugaliste\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-GB\",\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"url\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"contentUrl\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\",\"width\":458,\"height\":410,\"caption\":\"Minimaliste et Frugaliste\"},\"logo\":{\"@id\":\"https:\\\/\\\/i0.wp.com\\\/minimalistefrugaliste.com\\\/wp-content\\\/uploads\\\/2022\\\/01\\\/cropped-mf-1.png?fit=458%2C410&ssl=1\"},\"description\":\"Toujours \u00e0 la recherche du plus simple possible et du moins cher possible. Afin d'\u00eatre le plus libre, le plus riche et le plus heureux possible. J'ai cr\u00e9\u00e9 ce blog avec le but d'aider d'autres personnes qui partagent ma philosophie. Simplicit\u00e9, l'essentiel et la libert\u00e9 financi\u00e8re.\",\"sameAs\":[\"http:\\\/\\\/minimalistefrugaliste.com\",\"https:\\\/\\\/x.com\\\/https:\\\/\\\/twitter.com\\\/MinimalFrugal\",\"https:\\\/\\\/www.youtube.com\\\/@minimalistefrugaliste\"]}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"The Time It Takes to Become a Millionaire - Minimalist and Frugalist","description":"How long does it take to become a millionaire? Here&#039;s an article that summarizes this question with some simple examples \ud83d\ude09","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/minimalistefrugaliste.com\/en\/time-needed-to-become-a-millionaire\/","og_locale":"en_GB","og_type":"article","og_title":"Le Temps N\u00e9cessaire pour Devenir Millionnaire - Minimaliste et Frugaliste","og_description":"Quel est le temps n\u00e9cessaire pour devenir millionnaire? Voici un article qui r\u00e9sume cette question avec quelques exemples simples \ud83d\ude09","og_url":"https:\/\/minimalistefrugaliste.com\/en\/time-needed-to-become-a-millionaire\/","og_site_name":"Minimaliste et Frugaliste","article_published_time":"2026-07-07T08:30:05+00:00","article_modified_time":"2026-07-07T12:54:58+00:00","og_image":[{"width":1024,"height":1024,"url":"https:\/\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png","type":"image\/png"}],"author":"Minimaliste et Frugaliste","twitter_card":"summary_large_image","twitter_creator":"@https:\/\/twitter.com\/MinimalFrugal","twitter_site":"@MinimalFrugal","twitter_misc":{"Written by":"Minimaliste et Frugaliste","Estimated reading time":"13 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"Article","@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#article","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/"},"author":{"name":"Minimaliste et Frugaliste","@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"headline":"Le Temps N\u00e9cessaire pour Devenir Millionnaire","datePublished":"2026-07-07T08:30:05+00:00","dateModified":"2026-07-07T12:54:58+00:00","mainEntityOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/"},"wordCount":2843,"commentCount":0,"publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1","keywords":["\u00e9ducation financi\u00e8re","\u00e9pargne intelligente","devenir millionnaire","ETF","ind\u00e9pendance financi\u00e8re","int\u00e9r\u00eats compos\u00e9s","investir en bourse","investissement long terme","investissement passif","libert\u00e9 financi\u00e8re","patrimoine financier","planification financi\u00e8re","rendement des placements","revenus passifs","richesse \u00e0 long terme"],"articleSection":["Investissement"],"inLanguage":"en-GB","potentialAction":[{"@type":"CommentAction","name":"Comment","target":["https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#respond"]}]},{"@type":"WebPage","@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/","url":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/","name":"The Time It Takes to Become a Millionaire - Minimalist and Frugalist","isPartOf":{"@id":"https:\/\/minimalistefrugaliste.com\/#website"},"primaryImageOfPage":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#primaryimage"},"image":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#primaryimage"},"thumbnailUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1","datePublished":"2026-07-07T08:30:05+00:00","dateModified":"2026-07-07T12:54:58+00:00","description":"How long does it take to become a millionaire? Here&#039;s an article that summarizes this question with some simple examples \ud83d\ude09","breadcrumb":{"@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#breadcrumb"},"inLanguage":"en-GB","potentialAction":[{"@type":"ReadAction","target":["https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/"]}]},{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#primaryimage","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1","width":1024,"height":1024,"caption":"A businesswoman explains compound interest growth illustrating millionaire milestones."},{"@type":"BreadcrumbList","@id":"https:\/\/minimalistefrugaliste.com\/temps-necessaire-devenir-millionnaire\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Accueil","item":"https:\/\/minimalistefrugaliste.com\/"},{"@type":"ListItem","position":2,"name":"Le Temps N\u00e9cessaire pour Devenir Millionnaire"}]},{"@type":"WebSite","@id":"https:\/\/minimalistefrugaliste.com\/#website","url":"https:\/\/minimalistefrugaliste.com\/","name":"Minimalism and Frugalism","description":"Essentials, simplicity and financial freedom","publisher":{"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa"},"potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/minimalistefrugaliste.com\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-GB"},{"@type":["Person","Organization"],"@id":"https:\/\/minimalistefrugaliste.com\/#\/schema\/person\/53bc683d7aaaffc590f5316600c765aa","name":"Minimalism and Frugalism","image":{"@type":"ImageObject","inLanguage":"en-GB","@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","contentUrl":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1","width":458,"height":410,"caption":"Minimaliste et Frugaliste"},"logo":{"@id":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2022\/01\/cropped-mf-1.png?fit=458%2C410&ssl=1"},"description":"Always looking for the simplest possible and cheapest possible. In order to be as free, rich and happy as possible. I created this blog with the goal of helping other people who share my philosophy. Simplicity, the essentials and financial freedom.","sameAs":["http:\/\/minimalistefrugaliste.com","https:\/\/x.com\/https:\/\/twitter.com\/MinimalFrugal","https:\/\/www.youtube.com\/@minimalistefrugaliste"]}]}},"jetpack_publicize_connections":[],"jetpack_likes_enabled":true,"jetpack_sharing_enabled":true,"jetpack_shortlink":"https:\/\/wp.me\/pdCI1c-63V","jetpack-related-posts":[],"jetpack_featured_media_url":"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/minimaliste-et-frugaliste-6a4cb8b8def55.png?fit=1024%2C1024&ssl=1","_links":{"self":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/23307","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/users\/215552267"}],"replies":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/comments?post=23307"}],"version-history":[{"count":100,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/23307\/revisions"}],"predecessor-version":[{"id":28986,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/posts\/23307\/revisions\/28986"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media\/28983"}],"wp:attachment":[{"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/media?parent=23307"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/categories?post=23307"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/minimalistefrugaliste.com\/en\/wp-json\/wp\/v2\/tags?post=23307"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}