{"id":28603,"date":"2026-07-01T15:39:59","date_gmt":"2026-07-01T13:39:59","guid":{"rendered":"https:\/\/minimalistefrugaliste.com\/?p=28603"},"modified":"2026-07-01T15:40:05","modified_gmt":"2026-07-01T13:40:05","slug":"the-financial-pyramid-for-financial-freedom","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/","title":{"rendered":"The financial pyramid for financial freedom"},"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>La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/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\/la-pyramide-financiere-pour-la-liberte-financiere\/#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\/la-pyramide-financiere-pour-la-liberte-financiere\/#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-3\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#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-4\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#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-5\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Introduction_La_pyramide_financiere_pour_la_liberte_financiere\" >Introduction : La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#La_base_de_la_pyramide_assurer_sa_survie\" >La base de la pyramide : assurer sa survie<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Deuxieme_niveau_constituer_une_epargne_de_securite\" >Deuxi\u00e8me niveau : constituer une \u00e9pargne de s\u00e9curit\u00e9<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Troisieme_niveau_faire_travailler_son_argent\" >Troisi\u00e8me niveau : faire travailler son argent<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quatrieme_niveau_la_liberte_financiere_partielle\" >Quatri\u00e8me niveau : la libert\u00e9 financi\u00e8re partielle<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Cinquieme_niveau_la_liberte_financiere_totale\" >Cinqui\u00e8me niveau : la libert\u00e9 financi\u00e8re totale<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Conclusion\" >Conclusion<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#FAQ_La_pyramide_financiere_pour_la_liberte_financiere\" >FAQ : La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-13\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quest-ce_que_la_pyramide_de_la_liberte_financiere\" >Qu&#8217;est-ce que la pyramide de la libert\u00e9 financi\u00e8re ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Pourquoi_la_liberte_financiere_est-elle_representee_sous_forme_de_pyramide\" >Pourquoi la libert\u00e9 financi\u00e8re est-elle repr\u00e9sent\u00e9e sous forme de pyramide ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quelle_est_la_premiere_etape_vers_la_liberte_financiere\" >Quelle est la premi\u00e8re \u00e9tape vers la libert\u00e9 financi\u00e8re ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Pourquoi_faut-il_constituer_une_epargne_de_securite\" >Pourquoi faut-il constituer une \u00e9pargne de s\u00e9curit\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Combien_faut-il_avoir_en_epargne_de_securite\" >Combien faut-il avoir en \u00e9pargne de s\u00e9curit\u00e9 ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-18\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quand_faut-il_commencer_a_investir\" >Quand faut-il commencer \u00e0 investir ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-19\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quels_investissements_permettent_de_construire_sa_liberte_financiere\" >Quels investissements permettent de construire sa libert\u00e9 financi\u00e8re ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-20\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quest-ce_que_la_liberte_financiere_partielle\" >Qu&#8217;est-ce que la libert\u00e9 financi\u00e8re partielle ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-21\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quest-ce_que_la_liberte_financiere_totale\" >Qu&#8217;est-ce que la libert\u00e9 financi\u00e8re totale ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-22\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Combien_de_temps_faut-il_pour_devenir_libre_financierement\" >Combien de temps faut-il pour devenir libre financi\u00e8rement ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-23\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Pourquoi_les_interets_composes_sont-ils_indispensables\" >Pourquoi les int\u00e9r\u00eats compos\u00e9s sont-ils indispensables ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-24\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Peut-on_devenir_libre_financierement_avec_un_salaire_moyen\" >Peut-on devenir libre financi\u00e8rement avec un salaire moyen ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-25\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Quel_est_le_plus_grand_frein_a_la_liberte_financiere\" >Quel est le plus grand frein \u00e0 la libert\u00e9 financi\u00e8re ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-26\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#Pourquoi_commencer_le_plus_tot_possible\" >Pourquoi commencer le plus t\u00f4t possible ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-27\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#La_liberte_financiere_est-elle_accessible_a_tout_le_monde\" >La libert\u00e9 financi\u00e8re est-elle accessible \u00e0 tout le monde ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-28\" href=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/#La_pyramide_financiere_pour_la_liberte_financiere\" >La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/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;26137&quot;,&quot;26085&quot;,&quot;26112&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-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 first 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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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><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  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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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=\"has-font-size has-small-font-size has-text-align-center wp-block-woocommerce-product-price\" ><div class=\"wc-block-components-product-price wc-block-grid__product-price\" >\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><\/ul>\n\n<\/div>\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=\"Introduction_La_pyramide_financiere_pour_la_liberte_financiere\"><\/span>Introduction : La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu r\u00eaves peut-\u00eatre de :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>devenir libre financi\u00e8rement.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Pouvoir choisir de travailler ou non.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Changer de m\u00e9tier sans stress.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Voyager davantage.<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>De ne plus vivre avec la peur de manquer d&#8217;argent.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Beaucoup de personnes pensent que la libert\u00e9 financi\u00e8re s&#8217;obtient uniquement gr\u00e2ce \u00e0 un gros salaire.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Bien qu&#8217;un salaire \u00e9lev\u00e9 soit un avantage consid\u00e9rable, ce n&#8217;est pas suffisant pour obtenir une libert\u00e9 financi\u00e8re. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, la libert\u00e9 financi\u00e8re se construit \u00e9tape par \u00e9tape, comme une pyramide. Chaque niveau repose sur le pr\u00e9c\u00e9dent.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si les bases sont faibles, la pyramide peut s&#8217;effondrer, peu importe le montant du salaire.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Voyons ensemble les 5 niveaux qui permettent de construire progressivement sa libert\u00e9 financi\u00e8re.<\/p>\n\n\n\n<p class=\"has-text-align-center has-background wp-block-paragraph\" style=\"background-color:#0c002e\"><strong>\u26a0\ufe0f Investir comporte un risque de perte en capital.<\/strong><\/p>\n\n\n\n<figure style=\"margin-top:var(--wp--preset--spacing--80);margin-right:var(--wp--preset--spacing--80);margin-bottom:var(--wp--preset--spacing--80);margin-left:var(--wp--preset--spacing--80);padding-top:var(--wp--preset--spacing--50);padding-right:var(--wp--preset--spacing--50);padding-bottom:var(--wp--preset--spacing--50);padding-left:var(--wp--preset--spacing--50)\" 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-a7eb91f9-f47e-4096-96c0-9f1532b27578.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-3\"><span class=\"ez-toc-section\" id=\"La_base_de_la_pyramide_assurer_sa_survie\"><\/span>La base de la pyramide : assurer sa survie<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tout commence ici. C&#8217;est-\u00e0-dire, \u00e0 la premi\u00e8re marche de la pyramide.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Avant m\u00eame de penser \u00e0 investir ou \u00e0 devenir libre financi\u00e8rement, il faut \u00eatre capable de payer les d\u00e9penses indispensables \u00e0 la vie quotidienne.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>le loyer<\/li>\n\n\n\n<li>les courses<\/li>\n\n\n\n<li>l&#8217;assurance maladie<\/li>\n\n\n\n<li>les imp\u00f4ts<\/li>\n\n\n\n<li>les autres d\u00e9penses obligatoires<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbb3\" class=\"has-inline-color\">\u00c0 ce stade, l&#8217;objectif n&#8217;est pas encore de devenir riche. L&#8217;objectif est simplement de vivre sans accumuler de dettes.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Malheureusement, beaucoup de personnes d\u00e9pensent davantage que leurs revenus. C&#8217;est-\u00e0-dire, m\u00eame la premi\u00e8re marche de cette pyramide est difficile \u00e0 g\u00e9rer pour eux.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 Sans cette base solide, il est tr\u00e8s difficile de construire un patrimoine.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois que tu as stabilis\u00e9 avec cette marche de la pyramide, passons \u00e0 la suivante \ud83d\ude0a<\/p>\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=\"Deuxieme_niveau_constituer_une_epargne_de_securite\"><\/span>Deuxi\u00e8me niveau : constituer une \u00e9pargne de s\u00e9curit\u00e9<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Une fois les d\u00e9penses essentielles couvertes, vient l&#8217;\u00e9tape de l&#8217;\u00e9pargne.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pourquoi ? Parce que la vie est remplie d&#8217;impr\u00e9vus.<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une panne de voiture<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un licenciement<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une facture chez le dentiste<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Un probl\u00e8me de sant\u00e9<\/li>\n<\/ul>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une machine \u00e0 laver qui tombe en panne<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu ne poss\u00e8des aucune r\u00e9serve financi\u00e8re, tu risques de t&#8217;endetter au moindre impr\u00e9vu \ud83d\ude10<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ce manque d&#8217;\u00e9pargne est d&#8217;ailleurs loin d&#8217;\u00eatre un cas isol\u00e9.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">D&#8217;apr\u00e8s des \u00e9tudes, seulement 47% des r\u00e9sidants suisses \u00e9pargnent chaque mois. Parmi ceux qui gagnent moins de 7&#8217;000 CHF par mois, beaucoup \u00e9pargnent moins de 500 CHF par mois <a href=\"https:\/\/www.cler.ch\/fr\/blog\/blog\/so-spart-die-schweiz\">1<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ces chiffres montrent qu&#8217;une grande partie de la population reste financi\u00e8rement tr\u00e8s vuln\u00e9rable face aux impr\u00e9vus.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f3e09b\" class=\"has-inline-color\">C&#8217;est pourquoi de nombreux sp\u00e9cialistes recommandent de constituer une \u00e9pargne repr\u00e9sentant entre trois et six mois de d\u00e9penses.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Cette r\u00e9serve ne sert pas \u00e0 investir. En r\u00e9alit\u00e9, elle sert \u00e0 acheter de la tranquillit\u00e9 d&#8217;esprit.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 Une bonne \u00e9pargne de s\u00e9curit\u00e9 prot\u00e8ge tes investissements et tes d\u00e9penses quotidiennes.<\/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=\"Troisieme_niveau_faire_travailler_son_argent\"><\/span>Troisi\u00e8me niveau : faire travailler son argent<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Lorsque tes d\u00e9penses essentielles sont stabilis\u00e9es et que ton \u00e9pargne de s\u00e9curit\u00e9 est constitu\u00e9e, tu peux commencer \u00e0 investir.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u00c0 ce stade, l&#8217;objectif change compl\u00e8tement.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbcc\" class=\"has-inline-color\">Ton argent ne reste plus simplement sur un compte bancaire. Il commence \u00e0 produire des revenus !<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple gr\u00e2ce \u00e0 :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ETF \u00e0 croissance<\/li>\n\n\n\n<li>ETF \u00e0 \u00e0 dividendes \u00e9lev\u00e9s<\/li>\n\n\n\n<li>l&#8217;immobilier<\/li>\n\n\n\n<li>un troisi\u00e8me pilier investi en bourse (en Suisse)<\/li>\n\n\n\n<li>d&#8217;autres placements adapt\u00e9s \u00e0 ton profil<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En investissant, les int\u00e9r\u00eats compos\u00e9s grandissent avec le temps.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Chaque rendement produit lui-m\u00eame de nouveaux rendements. Petit \u00e0 petit, ton patrimoine grandit.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu n&#8217;\u00e9changes plus uniquement ton temps contre de l&#8217;argent. Tu as aussi un alli\u00e9. Autrement dit, ton argent commence \u00e0 travailler pour toi, et tu n&#8217;accumules plus de la richesse seul.<\/p>\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-6\"><span class=\"ez-toc-section\" id=\"Quatrieme_niveau_la_liberte_financiere_partielle\"><\/span>Quatri\u00e8me niveau : la libert\u00e9 financi\u00e8re partielle<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Apr\u00e8s plusieurs ann\u00e9es d&#8217;investissement, un ph\u00e9nom\u00e8ne int\u00e9ressant appara\u00eet. Tes placements commencent \u00e0 g\u00e9n\u00e9rer des revenus r\u00e9guliers.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#feffcc\" class=\"has-inline-color\">Tes revenus passifs ne suffisent peut-\u00eatre pas encore \u00e0 couvrir toutes tes d\u00e9penses. Mais ils peuvent en financer d\u00e9j\u00e0 une partie.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu peux alors par exemple :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>r\u00e9duire ton temps de travail et passer \u00e0 temps partiel<\/li>\n\n\n\n<li>changer d&#8217;emploi plus facilement<\/li>\n\n\n\n<li>cr\u00e9er ton entreprise avec une base financi\u00e8re plus solide<\/li>\n\n\n\n<li>prendre une ann\u00e9e sabbatique<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff7bd\" class=\"has-inline-color\">Tu d\u00e9pends moins de ton salaire. Et surtout, tu retrouves davantage de libert\u00e9 dans tes choix.<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour moi, c&#8217;est probablement le niveau o\u00f9 la qualit\u00e9 de vie augmente le plus.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu n&#8217;es pas encore totalement libre financi\u00e8rement. Mais tu as beaucoup plus de libert\u00e9.<\/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-7\"><span class=\"ez-toc-section\" id=\"Cinquieme_niveau_la_liberte_financiere_totale\"><\/span>Cinqui\u00e8me niveau : la libert\u00e9 financi\u00e8re totale<span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">C&#8217;est le sommet de la pyramide.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\"><strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff7c7\" class=\"has-inline-color\">\u00c0 ce stade, les revenus g\u00e9n\u00e9r\u00e9s par ton patrimoine couvrent l&#8217;ensemble de tes d\u00e9penses.<\/mark><\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu n&#8217;as plus besoin de travailler pour vivre.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">ou<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Tu peux continuer \u00e0 travailler par envie. Mais ce n&#8217;est plus une obligation financi\u00e8re.<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En v\u00e9rit\u00e9, tes investissements financent ton mode de vie.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Tu deviens totalement libre de choisir :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>o\u00f9 vivre<\/li>\n\n\n\n<li>combien travailler<\/li>\n\n\n\n<li>quand partir \u00e0 la retraite<\/li>\n\n\n\n<li>quels projets r\u00e9aliser<\/li>\n\n\n\n<li>voyager ind\u00e9finitivement<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour beaucoup de personnes, cette \u00e9tape repr\u00e9sente l&#8217;objectif ultime.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Elle demande g\u00e9n\u00e9ralement plusieurs d\u00e9cennies de discipline, d&#8217;\u00e9pargne et d&#8217;investissements. Mais une fois cette \u00e9tape accompli, elle r\u00e9pond \u00e0 un r\u00eave de beaucoup de personnes :<strong> <mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffbe0\" class=\"has-inline-color\">ne plus \u00eatre d\u00e9pendant du l&#8217;argent d&#8217;un patron ou d&#8217;un client.<\/mark><\/strong><\/p>\n\n\n\n<h4 class=\"wp-block-heading has-text-align-center has-white-color has-vivid-red-background-color has-text-color has-background has-link-color wp-elements-8\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span>Conclusion<span class=\"ez-toc-section-end\"><\/span><\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 financi\u00e8re doit respecter des \u00e9tapes.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des personnes regardent directement le sommet.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Elles r\u00eavent de libert\u00e9 financi\u00e8re. Mais elles oublient que chaque niveau d\u00e9pend du pr\u00e9c\u00e9dent.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">On ne construit pas un patrimoine solide sans :<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>ma\u00eetriser son budget <\/li>\n\n\n\n<li>constituer une \u00e9pargne de s\u00e9curit\u00e9 <\/li>\n\n\n\n<li>investir r\u00e9guli\u00e8rement <\/li>\n\n\n\n<li>laisser le temps agir gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 financi\u00e8re n&#8217;est donc pas un \u00e9v\u00e9nement.<strong> C&#8217;est un processus.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Chaque franc \u00e9conomis\u00e9, chaque investissement r\u00e9alis\u00e9 et chaque bonne d\u00e9cision financi\u00e8re repr\u00e9sentent une nouvelle pierre ajout\u00e9e \u00e0 ta pyramide.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Commence par construire des fondations solides. Le sommet viendra ensuite naturellement.<\/p>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a955cff33303&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a955cff33303\" class=\"wp-block-image size-large wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"600\" height=\"600\" data-attachment-id=\"28613\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/la-pyramide-financiere-pour-la-liberte-financiere\/graphique-pyramide-dun-budget-personnel\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.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=\"graphique &amp;#8211; Pyramide d&amp;#8217;un budget personnel\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.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\/graphique-Pyramide-dun-budget-personnel.png?resize=600%2C600&#038;ssl=1\" alt=\"La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re\" class=\"wp-image-28613\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=600%2C600&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=300%2C300&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=150%2C150&amp;ssl=1 150w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=768%2C768&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=12%2C12&amp;ssl=1 12w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=800%2C800&amp;ssl=1 800w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=400%2C400&amp;ssl=1 400w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=200%2C200&amp;ssl=1 200w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.png?resize=100%2C100&amp;ssl=1 100w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2026\/07\/graphique-Pyramide-dun-budget-personnel.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<h2 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"FAQ_La_pyramide_financiere_pour_la_liberte_financiere\"><\/span><strong>FAQ : La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\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-9\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_pyramide_de_la_liberte_financiere\"><\/span>Qu&#8217;est-ce que la pyramide de la libert\u00e9 financi\u00e8re ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La pyramide de la libert\u00e9 financi\u00e8re est une repr\u00e9sentation des diff\u00e9rentes \u00e9tapes \u00e0 franchir pour construire un patrimoine solide. Elle commence par la couverture des d\u00e9penses essentielles, puis passe par l&#8217;\u00e9pargne de s\u00e9curit\u00e9, l&#8217;investissement, la libert\u00e9 financi\u00e8re partielle et, enfin, la libert\u00e9 financi\u00e8re totale.<\/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-10\"><span class=\"ez-toc-section\" id=\"Pourquoi_la_liberte_financiere_est-elle_representee_sous_forme_de_pyramide\"><\/span>Pourquoi la libert\u00e9 financi\u00e8re est-elle repr\u00e9sent\u00e9e sous forme de pyramide ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Une pyramide illustre le fait que chaque niveau repose sur le pr\u00e9c\u00e9dent. En effet, il est difficile d&#8217;investir sereinement sans \u00e9pargne de s\u00e9curit\u00e9, tout comme il est compliqu\u00e9 d&#8217;atteindre la libert\u00e9 financi\u00e8re sans avoir d\u00e9velopp\u00e9 un patrimoine au fil des ann\u00e9es.<\/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-11\"><span class=\"ez-toc-section\" id=\"Quelle_est_la_premiere_etape_vers_la_liberte_financiere\"><\/span>Quelle est la premi\u00e8re \u00e9tape vers la libert\u00e9 financi\u00e8re ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La premi\u00e8re \u00e9tape consiste \u00e0 couvrir toutes les d\u00e9penses essentielles : logement, alimentation, assurances, imp\u00f4ts, transports et autres charges indispensables. Avant de chercher \u00e0 investir, il est essentiel de vivre sans accumuler de dettes.<\/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-12\"><span class=\"ez-toc-section\" id=\"Pourquoi_faut-il_constituer_une_epargne_de_securite\"><\/span>Pourquoi faut-il constituer une \u00e9pargne de s\u00e9curit\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">L&#8217;\u00e9pargne de s\u00e9curit\u00e9 permet de faire face aux impr\u00e9vus comme une panne de voiture, une facture m\u00e9dicale ou une perte d&#8217;emploi. Elle \u00e9vite de devoir vendre ses investissements ou de s&#8217;endetter en cas de difficult\u00e9 financi\u00e8re.<\/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-13\"><span class=\"ez-toc-section\" id=\"Combien_faut-il_avoir_en_epargne_de_securite\"><\/span>Combien faut-il avoir en \u00e9pargne de s\u00e9curit\u00e9 ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La plupart des sp\u00e9cialistes recommandent de constituer une r\u00e9serve correspondant \u00e0 trois \u00e0 six mois de d\u00e9penses courantes. Le montant d\u00e9pend toutefois de la stabilit\u00e9 de tes revenus et de ta situation personnelle.<\/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-14\"><span class=\"ez-toc-section\" id=\"Quand_faut-il_commencer_a_investir\"><\/span>Quand faut-il commencer \u00e0 investir ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il est g\u00e9n\u00e9ralement conseill\u00e9 de commencer \u00e0 investir une fois que les d\u00e9penses essentielles sont ma\u00eetris\u00e9es et que l&#8217;\u00e9pargne de s\u00e9curit\u00e9 est constitu\u00e9e. Cela permet d&#8217;investir plus sereinement sur le long terme.<\/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-15\"><span class=\"ez-toc-section\" id=\"Quels_investissements_permettent_de_construire_sa_liberte_financiere\"><\/span>Quels investissements permettent de construire sa libert\u00e9 financi\u00e8re ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les ETF diversifi\u00e9s, les ETF de croissance, les ETF \u00e0 dividendes, l&#8217;immobilier, les SCPI ou encore le troisi\u00e8me pilier investi en bourse (en Suisse) sont des solutions souvent utilis\u00e9es pour faire fructifier son patrimoine. De ce fait, le choix d\u00e9pend de ton profil de risque et de tes objectifs.<\/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-16\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_liberte_financiere_partielle\"><\/span>Qu&#8217;est-ce que la libert\u00e9 financi\u00e8re partielle ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 financi\u00e8re partielle correspond au moment o\u00f9 les revenus g\u00e9n\u00e9r\u00e9s par tes investissements couvrent une partie de tes d\u00e9penses. Tu peux alors r\u00e9duire ton temps de travail, changer d&#8217;emploi plus facilement ou lancer un projet personnel avec davantage de s\u00e9curit\u00e9.<\/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-17\"><span class=\"ez-toc-section\" id=\"Quest-ce_que_la_liberte_financiere_totale\"><\/span>Qu&#8217;est-ce que la libert\u00e9 financi\u00e8re totale ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">La libert\u00e9 financi\u00e8re totale est atteinte lorsque les revenus passifs g\u00e9n\u00e9r\u00e9s par ton patrimoine couvrent l&#8217;ensemble de tes d\u00e9penses. Tu n&#8217;es alors plus oblig\u00e9 de travailler pour vivre et peux choisir librement ton mode de vie.<\/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=\"Combien_de_temps_faut-il_pour_devenir_libre_financierement\"><\/span>Combien de temps faut-il pour devenir libre financi\u00e8rement ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Il n&#8217;existe pas de dur\u00e9e universelle. Cela d\u00e9pend principalement de ton taux d&#8217;\u00e9pargne, du rendement de tes investissements, de ton niveau de d\u00e9penses et du temps pendant lequel tu laisses ton patrimoine se d\u00e9velopper gr\u00e2ce aux int\u00e9r\u00eats compos\u00e9s.<\/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-19\"><span class=\"ez-toc-section\" id=\"Pourquoi_les_interets_composes_sont-ils_indispensables\"><\/span>Pourquoi les int\u00e9r\u00eats compos\u00e9s sont-ils indispensables ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Les int\u00e9r\u00eats compos\u00e9s permettent \u00e0 tes gains de produire eux-m\u00eames de nouveaux gains. En v\u00e9rit\u00e9, sur plusieurs d\u00e9cennies, cet effet multiplicateur peut repr\u00e9senter une part importante de ton patrimoine final et acc\u00e9l\u00e9rer ta progression vers la libert\u00e9 financi\u00e8re.<\/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-20\"><span class=\"ez-toc-section\" id=\"Peut-on_devenir_libre_financierement_avec_un_salaire_moyen\"><\/span>Peut-on devenir libre financi\u00e8rement avec un salaire moyen ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Oui. Un salaire \u00e9lev\u00e9 facilite le processus, mais la libert\u00e9 financi\u00e8re d\u00e9pend surtout de ta capacit\u00e9 \u00e0 \u00e9pargner, investir r\u00e9guli\u00e8rement et conserver tes placements sur le long terme. La discipline est souvent plus importante que le niveau de revenu.<\/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-21\"><span class=\"ez-toc-section\" id=\"Quel_est_le_plus_grand_frein_a_la_liberte_financiere\"><\/span>Quel est le plus grand frein \u00e0 la libert\u00e9 financi\u00e8re ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Le principal obstacle est souvent l&#8217;absence d&#8217;\u00e9pargne. D\u00e9penser l&#8217;int\u00e9gralit\u00e9 de ses revenus emp\u00eache de constituer un patrimoine capable de g\u00e9n\u00e9rer des revenus passifs \u00e0 long terme.<\/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-22\"><span class=\"ez-toc-section\" id=\"Pourquoi_commencer_le_plus_tot_possible\"><\/span>Pourquoi commencer le plus t\u00f4t possible ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Plus tu commences t\u00f4t \u00e0 \u00e9pargner et \u00e0 investir, plus les int\u00e9r\u00eats compos\u00e9s ont le temps d&#8217;agir. M\u00eame de petits montants investis r\u00e9guli\u00e8rement peuvent produire des r\u00e9sultats impressionnants apr\u00e8s plusieurs d\u00e9cennies.<\/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-23\"><span class=\"ez-toc-section\" id=\"La_liberte_financiere_est-elle_accessible_a_tout_le_monde\"><\/span>La libert\u00e9 financi\u00e8re est-elle accessible \u00e0 tout le monde ?<span class=\"ez-toc-section-end\"><\/span><\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">C&#8217;est une question de revenus vs d\u00e9penses. La libert\u00e9 financi\u00e8re totale n&#8217;est pas toujours r\u00e9alisable pour chacun, mais progresser dans la pyramide reste accessible \u00e0 beaucoup de personnes. Autrement dit, chaque \u00e9tape franchie am\u00e9liore ta s\u00e9curit\u00e9 financi\u00e8re, r\u00e9duit ta d\u00e9pendance au salaire et augmente progressivement ta libert\u00e9 de choix.<\/p>\n\n\n\n<h2 class=\"wp-block-heading has-text-align-center has-light-green-cyan-color has-text-color has-link-color wp-elements-24\"><span class=\"ez-toc-section\" id=\"La_pyramide_financiere_pour_la_liberte_financiere\"><\/span><strong>La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h2>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-primary-color has-text-color has-background has-medium-font-size\" style=\"background-color:#123102\"><strong>Abonne-toi pour les nouveaut\u00e9s<\/strong><\/h5>\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=28603\" 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\/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<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-investir-avec-petit-budget\/\">Comment investir avec un petit budget?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/reit-investir-dans-immobilier-passif\/\">REIT: investir dans l&#8217;immobilier passif<\/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-25 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-26\"><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\">Depuis quelques ann\u00e9es, je me sens heureux et 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=\"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=\"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>Discover the financial pyramid for financial freedom. The pyramid that explains the steps to achieve financial freedom \ud83d\ude0a<\/p>","protected":false},"author":215552267,"featured_media":28613,"comment_status":"open","ping_status":"closed","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":28643,"_jetpack_memberships_contains_paid_content":false,"footnotes":"","jetpack_publicize_message":"Formateur en finances personnelles \ud83c\udde8\ud83c\udded | Investissement simple (ETF) | Frugalisme & Minimalisme | J\u2019aide \u00e0 \u00e9pargner plus et investir intelligemment\n\nhttps:\/\/minimalistefrugaliste.com\/","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":true,"token":"eyJpbWciOiJodHRwczpcL1wvbWluaW1hbGlzdGVmcnVnYWxpc3RlLmNvbVwvd3AtY29udGVudFwvdXBsb2Fkc1wvMjAyNlwvMDdcL2dyYXBoaXF1ZS1QeXJhbWlkZS1kdW4tYnVkZ2V0LXBlcnNvbm5lbC02MDB4NjAwLnBuZyIsInR4dCI6IkxhIHB5cmFtaWRlIGZpbmFuY2lcdTAwZThyZSBwb3VyIGxhIGxpYmVydFx1MDBlOSBmaW5hbmNpXHUwMGU4cmUiLCJ0ZW1wbGF0ZSI6ImhpZ2h3YXkiLCJmb250IjoiIiwiYmxvZ19pZCI6MjAxMzE4MDQyfQ.5QX5hZi_bDWZH2Wutr0xYs-co7PfiVcttacSEadg6FYMQ"},"version":2},"_wpas_customize_per_network":false,"jetpack_post_was_ever_published":false},"categories":[725575],"tags":[728545059,728545626,728545374,728545627,728545629,728544997,728545046,728544022,728544347,728544455,728544318,728545229,728545628,728545216,728545630],"class_list":["post-28603","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investissement","tag-education-financiere","tag-epargne-de-securite","tag-epargne-et-investissement","tag-comment-devenir-libre-financierement","tag-construire-son-patrimoine","tag-finances-personnelles","tag-gestion-de-budget","tag-independance-financiere","tag-interets-composes","tag-investir-en-suisse","tag-investir-son-epargne","tag-liberte-financiere","tag-pyramide-financiere","tag-revenus-passifs","tag-strategie-dinvestissement"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v28.3 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>La pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re - Minimaliste et Frugaliste<\/title>\n<meta name=\"description\" content=\"D\u00e9couvre la pyramide financi\u00e8re pour la libert\u00e9 financi\u00e8re. 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