{"id":3099,"date":"2024-10-11T08:39:16","date_gmt":"2024-10-11T06:39:16","guid":{"rendered":"http:\/\/minimalistefrugaliste.com\/?p=3099"},"modified":"2026-05-24T16:59:10","modified_gmt":"2026-05-24T14:59:10","slug":"fire-tax","status":"publish","type":"post","link":"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/","title":{"rendered":"FIRE Tax: Savings and Financial Balance"},"content":{"rendered":"\n<p class=\"has-text-align-center has-light-green-cyan-color has-text-color wp-block-paragraph\"><strong>Beaucoup de personnes veulent \u00e9conomiser mais ne savent pas comment faire pour tenir sur le long terme. Dans cet article, Imp\u00f4t FIRE : \u00c9pargne et \u00c9quilibre Financier, nous allons analyser une fa\u00e7on simple pour \u00e9conomiser et investir.<\/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\/impot-fire\/#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\/impot-fire\/#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\/impot-fire\/#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\/impot-fire\/#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\/impot-fire\/#Comment_trouver_un_equilibre_financier\" >Comment trouver un \u00e9quilibre financier?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-6\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Quest-ce_limpot_FIRE\" >Qu&#8217;est-ce l&#8217;imp\u00f4t FIRE?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-7\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Quel_est_lobjetif_de_limpot_FIRE\" >Quel est l&#8217;objetif de l&#8217;imp\u00f4t FIRE?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-8\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Pourquoi_se_donner_un_but_deconomiser\" >Pourquoi se donner un but d&#8217;\u00e9conomiser?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-9\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Objectif_50_depargne_%F0%9F%98%89\" >Objectif = 50% d&#8217;\u00e9pargne \ud83d\ude09<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-10\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Oui_mais_bon_50_cest_enorme_pour_moi\" >Oui mais bon. 50% c&#8217;est \u00e9norme pour moi !<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-11\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Pourquoi_vouloir_economiser_un_si_grand_pourcentage\" >Pourquoi vouloir \u00e9conomiser un si grand pourcentage ?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-12\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Liberte_financiere\" >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\/impot-fire\/#Simulations_taux_depargne_FIRE\" >Simulations taux d&#8217;\u00e9pargne FIRE<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-14\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Le_3a_compte_aussi_dans_cette_epargne_%F0%9F%98%89\" >Le 3a compte aussi dans cette \u00e9pargne \ud83d\ude09<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-15\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Appliquer_la_regle_des_4\" >Appliquer la r\u00e8gle des 4%<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-16\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#En_quoi_investir_afin_de_devenir_libre_financierement\" >En quoi investir afin de devenir libre financi\u00e8rement?<\/a><\/li><li class='ez-toc-page-1'><a class=\"ez-toc-link ez-toc-heading-17\" href=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/#Conclusion\" >Conclusion<\/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<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Comment_trouver_un_equilibre_financier\"><\/span><strong>Comment trouver un \u00e9quilibre financier?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Premi\u00e8rement, nous sommes tous pareils.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">D&#8217;un c\u00f4t\u00e9, il y a cette envie de devenir libre financi\u00e8rement et d&#8217;un autre c\u00f4t\u00e9, il y a cette envie de vivre une vie sans trop se soucier de l&#8217;argent d\u00e9pens\u00e9.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En plus, si on ne fait pas attention, on peut vite perdre des centaines ou milliers de CHF par ann\u00e9e dans des d\u00e9penses futiles.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\ud83d\udc49 <strong>La question est comment trouver une m\u00e9thode simple pour avoir un \u00e9quilibre entre \u00e9pargne, investissement et d\u00e9pense ?<\/strong> \ud83e\udd14<\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\u27a1\ufe0f Une m\u00e9thode int\u00e9ressante, c&#8217;est <span style=\"text-decoration:underline\"><mark style=\"background-color:#541000\" class=\"has-inline-color has-primary-color\"><strong>l&#8217;imp\u00f4t FIRE<\/strong>.<\/mark><\/span><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Quest-ce_limpot_FIRE\"><\/span><strong>Qu&#8217;est-ce l&#8217;imp\u00f4t FIRE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-text-color wp-block-paragraph\" style=\"color:#eab6b6\">\ud83d\udc49 <strong>C&#8217;est <span style=\"text-decoration: underline;\">un pourcentage d&#8217;\u00e9pargne d&#8217;un revenu.<\/span><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-1 wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, avec cette technique, ton revenu est divis\u00e9 en 2 cat\u00e9gories<\/strong>:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>% pour tes d\u00e9penses<\/li>\n\n\n\n<li>% pour l&#8217;imp\u00f4t FIRE <\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Ensuite, l&#8217;imp\u00f4t est divis\u00e9 entre \u00e9pargne et investissements ! Selon l&#8217;envie de chaque personne.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Quel_est_lobjetif_de_limpot_FIRE\"><\/span><strong>Quel est l&#8217;objetif de l&#8217;imp\u00f4t FIRE?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que l&#8217;objetif de l&#8217;imp\u00f4t FIRE est d&#8217;\u00e9pargner et faire fructifier son argent.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour r\u00e9aliser cette technique, c&#8217;est tr\u00e8s simple !<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-pale-pink-color has-text-color has-link-color wp-elements-2\"><strong>\ud83d\udc49 Il suffit de cr\u00e9er un virement permanent mensuel dans le compte \u00e9pargne afin de verser un pourcentage de ton revenu.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De nos jours, on peut facilement cr\u00e9er un compte \u00e9pargne. En effet, par exemple, certaines applications bancaires permettent de cr\u00e9er un compte \u00e9pargne en moins de 30 secondes.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-3 wp-block-paragraph\"><strong>\ud83d\udc49 Notons que le plus efficace en ce qui concerne l&#8217;imp\u00f4t FIRE. C&#8217;est de<span style=\"text-decoration: underline;\"> faire l&#8217;ordre le jour d&#8217;apr\u00e8s le revenu<\/span>. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par exemple, si tu re\u00e7ois ton salaire le 25. Il suffit de faire un ordre bancaire mensuel pour le 26. Notons que c&#8217;est r\u00e9alisable en 1 minute. Et en r\u00e9alit\u00e9, cette technique permet d&#8217;\u00e9viter les tentations de d\u00e9penses.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-white-color has-text-color has-background\" style=\"background-color:#5e0606\">\u27a1\ufe0f <strong>Le but est de se donner un objectif minimum qu&#8217;on souhaite \u00e9conomiser!<\/strong><\/h6>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Pourquoi_se_donner_un_but_deconomiser\"><\/span><strong>Pourquoi se donner un but d&#8217;\u00e9conomiser?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-4\"><strong>Pour plusieurs raisons. Comme par exemple:<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">1) <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f78da7\" class=\"has-inline-color\">R\u00e9aliser les projets personnels<\/mark><\/strong><\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">2) <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f78da7\" class=\"has-inline-color\">Si tu laisses ton argent dans ton compte principal, tu risques de le d\u00e9penser rapidement sans t&#8217;en rendre compte<\/mark><\/strong>.<\/p>\n\n\n\n<p class=\"has-text-align-left wp-block-paragraph\">3) <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#f78da7\" class=\"has-inline-color\">Nous sommes beaucoup plus respectueux avec notre budget quand nous avons une limite<\/mark><\/strong>.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-5\">\ud83d\udc49 <strong>Voici un sch\u00e9ma pour r\u00e9sumer l&#8217;utilit\u00e9 de cr\u00e9er l&#8217;imp\u00f4t FIRE<\/strong> \ud83d\ude09<\/h6>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a98768281b31&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a98768281b31\" class=\"wp-block-image aligncenter size-large has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" data-attachment-id=\"10499\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/graphique-impot-fire\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?fit=1123%2C794&amp;ssl=1\" data-orig-size=\"1123,794\" 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-impot-Fire\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?fit=600%2C424&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\" 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https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?w=1123&amp;ssl=1 1123w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><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<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Objectif_50_depargne_%F0%9F%98%89\"><\/span><strong>Objectif = 50% d&#8217;\u00e9pargne<\/strong> \ud83d\ude09<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Concernant le pourcentage id\u00e9al \u00e0 \u00e9pargner par mois. Cette question d\u00e9pendra des finances personnelles de chaque personne.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>Par contre, si c&#8217;est possible. Je propose de faire un imp\u00f4t FIRE de <span style=\"text-decoration: underline;\">50%<\/span>. C&#8217;est-\u00e0-dire, la moiti\u00e9 de ce que tu gagnes.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Exemple avec un tableau.<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--1\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:4px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Revenu net<\/th><th class=\"has-text-align-center\" data-align=\"center\">Imp\u00f4t FIRE<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">5000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">2500 CHF<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">4400 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">2200 CHF<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">tableau exemple imp\u00f4t FIRE<\/figcaption><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-white-color has-text-color\">\u27a1\ufe0f <strong>J&#8217;aime beaucoup la m\u00e9thode des 50% ! En r\u00e9alit\u00e9, <span style=\"text-decoration: underline;\">il suffit de diviser le revenu par 2<\/span>.<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-6 wp-block-paragraph\"><strong>En effet, avec cette technique financi\u00e8re. Ce n&#8217;est pas compliquer \u00e0 calculer! C&#8217;est:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Une moiti\u00e9 va pour les d\u00e9penses que tu juges essentiel<\/li>\n\n\n\n<li>L&#8217;autre moiti\u00e9 va pour l&#8217;\u00e9pargne et les investissements<\/li>\n<\/ul>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\" style=\"border-width:5px;border-radius:15px\"><span class=\"ez-toc-section\" id=\"Oui_mais_bon_50_cest_enorme_pour_moi\"><\/span><strong>Oui mais bon<\/strong>. <strong>50% c&#8217;est \u00e9norme pour moi !<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si 50% est beaucoup pour toi, <strong><span style=\"text-decoration: underline;\">\u00e9pargne le maximum selon tes besoins<\/span>. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, rien ne t&#8217;emp\u00eache de faire un imp\u00f4t FIRE de 25, 30 ou 40% pour commencer. Et de l&#8217;augmenter progressivement.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-pale-cyan-blue-color has-text-color\" style=\"border-width:5px;border-radius:15px\"><span class=\"ez-toc-section\" id=\"Pourquoi_vouloir_economiser_un_si_grand_pourcentage\"><\/span><strong>Pourquoi vouloir \u00e9conomiser un si grand pourcentage ?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">En r\u00e9alit\u00e9, si tu r\u00e9alises des placements financiers avec un bon rendement. Plus tu investis ton argent, plus tu as des chances que ton argent t&#8217;offre une libert\u00e9 financi\u00e8re \ud83e\udd17.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-white-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Liberte_financiere\"><\/span><strong>Libert\u00e9 financi\u00e8re<\/strong> <span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Premi\u00e8rement, si tu ne sais pas qu&#8217;est une libert\u00e9 financi\u00e8re. Il te suffit lire mes articles sur l&#8217;onglet &#8221;<em><strong><a href=\"https:\/\/minimalistefrugaliste.com\/independance-financiere-fire\/\">Ind\u00e9pendance financi\u00e8re FIRE<\/a><\/strong><\/em>&#8221; dans ma page <a data-type=\"page\" data-id=\"41\" href=\"https:\/\/minimalistefrugaliste.com\/epargne-frugalisme\/\" target=\"_blank\" rel=\"noreferrer noopener\"><strong>\u00e9pargne\/frugaliste<\/strong><\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, selon la fugalistefut\u00e9e, une frugaliste canadienne, voici une estimation du nombre d&#8217;ann\u00e9es \u00e0 travailler avant de devenir libre financi\u00e8rement. <\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color wp-block-paragraph\"><strong>En calculant un investissement avec une moyenne de:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>5% net de rendement annualis\u00e9<\/strong><\/li>\n\n\n\n<li><strong>4% de d\u00e9penses mensuelles  <\/strong><\/li>\n\n\n\n<li><strong>Un taux d&#8217;\u00e9pargne moyen de 30, 40 ou 50%<\/strong><\/li>\n<\/ul>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--2\" style=\"font-size:0.9rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\" style=\"border-width:4px\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">Taux d&#8217;\u00e9pargne et investissement<\/th><th class=\"has-text-align-center\" data-align=\"center\">Ann\u00e9es pour devenir libre financi\u00e8rement<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">30%<\/td><td class=\"has-text-align-center\" data-align=\"center\">28<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">40%<\/td><td class=\"has-text-align-center\" data-align=\"center\">21.6<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">50%<\/td><td class=\"has-text-align-center\" data-align=\"center\">16.6<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">On constate qu&#8217;\u00e0 chaque 10% d&#8217;\u00e9pargne. Il y a environ 6 ans de plus \u00e0 attendre pour atteindre une libert\u00e9 financi\u00e8re. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que chaque ann\u00e9e de plus, signifie une ann\u00e9e de plus \u00e0 \u00eatre soumis \u00e0 l&#8217;argent d&#8217;un employeur ou \u00e0 des clients \ud83d\ude36<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-tertiary-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Simulations_taux_depargne_FIRE\"><\/span><strong>Simulations taux d&#8217;\u00e9pargne FIRE<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Pour donner un exemple. En imaginant qu&#8217;on gagne avec nos revenus passifs (par exemple, un ETF dans le march\u00e9 boursier) une moyenne de 5% net annualis\u00e9. Combien on va devoir \u00e9conomiser en \u00e9pargnant mensuellement de 200 \u00e0 2000 CHF ?<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-7 wp-block-paragraph\">\ud83d\udc49 <strong>De ce fait, voici ce qu&#8217;on gagne en 10 ans, si je me base sur le calculateur int\u00e9r\u00eats compos\u00e9s de moneyland<sup><a href=\"https:\/\/www.moneyland.ch\/fr\/interets-composes-calculateur\" target=\"_blank\" rel=\"noreferrer noopener\">1<\/a><\/sup>.<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--3\" style=\"font-size:0.75rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u00e9pargne mensuelle<\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant \u00e9pargn\u00e9 apr\u00e8s 10 ans (de sa poche)<\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant gagn\u00e9 juste avec les int\u00e9r\u00eats<\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant gagn\u00e9 au total<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">2000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">240&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">70&#8217;045 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline;\">310&#8217;045 CHF<\/span><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1500 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">180&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">52&#8217;533 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline;\">232&#8217;533 CHF<\/span><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">120&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">35&#8217;022 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline;\">155&#8217;022 CHF<\/span><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">500 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">60&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">17&#8217;511 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline;\">77&#8217;511 CHF<\/span><\/strong><\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">200 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">24&#8217;000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\">7&#8217;004 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong><span style=\"text-decoration: underline;\">31&#8217;004 CHF<\/span><\/strong><\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Exemple d&#8217;argent gagn\u00e9 en 10 ans avec 5% de rendement &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Comme on le constate avec le tableau. <mark style=\"background-color:rgba(0, 0, 0, 0);color:#ec9292\" class=\"has-inline-color\"><strong>On peut rapidement \u00e9pargner des jolies sommes<\/strong><\/mark> \ud83d\ude09 (310&#8217;000 CHF en 10 ans, c&#8217;est pas mal).<\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-8 wp-block-paragraph\">\ud83d\udc49 <strong>En r\u00e9alit\u00e9, le rendement est incroyable si on analyse uniquement les int\u00e9r\u00eats compos\u00e9s sur le long terme \ud83e\udd29.<\/strong><\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Le_3a_compte_aussi_dans_cette_epargne_%F0%9F%98%89\"><\/span><strong>Le 3a compte aussi dans cette \u00e9pargne<\/strong> \ud83d\ude09<span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Si tu investis ton 3a en bourse. Par exemple, avec la strat\u00e9gie global 100 chez Viac ou Finpension. <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#e79c9c\" class=\"has-inline-color\"><span style=\"text-decoration: underline;\">Tu es d\u00e9j\u00e0 entrant de contribuer dans cette cat\u00e9gorie d&#8217;\u00e9pargne personnelle<\/span><\/mark><\/strong> (imp\u00f4t FIRE) \ud83d\ude09<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons qu&#8217;au jour o\u00f9 j&#8217;\u00e9cris ces lignes, <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fff7b7\" class=\"has-inline-color\">le rendement annualis\u00e9 a une moyenne de 7% annualis\u00e9 en 10 ans<\/mark><\/strong> (ce n&#8217;est pas une garantie pour le futur). <strong><mark style=\"background-color:rgba(0, 0, 0, 0);color:#fffcdb\" class=\"has-inline-color\">C&#8217;est-\u00e0-dire, si dans le futur rendement sera similaire avec les performances pass\u00e9es. Le client gagnera plus d&#8217;argent comparativement \u00e0 mon exemple \u00e0 5%<\/mark><\/strong> \ud83d\ude09.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"Appliquer_la_regle_des_4\"><\/span><strong>Appliquer la r\u00e8gle des 4%<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">J&#8217;ai \u00e9crit un article concernant la <a href=\"https:\/\/minimalistefrugaliste.com\/regle-4\/\">r\u00e8gle des 4%<\/a>.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Dans les grandes lignes, la r\u00e8gle FIRE montre qu&#8217;un actionnaire avec un portefeuille d&#8217;actions am\u00e9ricaines, comme le SP500 par exemple. En d\u00e9pensant 4% par an, il peut maintenir le m\u00eame montant dans son portefeuille apr\u00e8s 25 ans (avec une probabilit\u00e9 de r\u00e9ussite sup\u00e9rieure \u00e0 95 %).<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">De ce fait, si on se base sur la r\u00e8gle des 4%. En me fiant sur l&#8217;exemple d&#8217;avant:<\/p>\n\n\n\n<figure class=\"wp-block-table is-style-stripes is-style-stripes--4\" style=\"font-size:0.75rem\"><table class=\"has-border-color has-luminous-vivid-orange-border-color has-fixed-layout\"><thead><tr><th class=\"has-text-align-center\" data-align=\"center\">\u00e9pargne mensuelle<\/th><th class=\"has-text-align-center\" data-align=\"center\">Montant gagn\u00e9 au total apr\u00e8s 10 ans <br>(avec 5% de rendement annuel)<\/th><th class=\"has-text-align-center\" data-align=\"center\">R\u00e8gle des 4% <br>(capacit\u00e9 de d\u00e9pense)<\/th><\/tr><\/thead><tbody><tr><td class=\"has-text-align-center\" data-align=\"center\">2000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>310&#8217;045 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">12&#8217;401 CHF par an<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1500 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>232&#8217;533 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">9&#8217;301 CHF par an<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">1000 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>155&#8217;022 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">6&#8217;200 CHF par an<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">500 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>77&#8217;511 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">3&#8217;100 CHF par an<\/td><\/tr><tr><td class=\"has-text-align-center\" data-align=\"center\">200 CHF<\/td><td class=\"has-text-align-center\" data-align=\"center\"><strong>31&#8217;004 CHF<\/strong><\/td><td class=\"has-text-align-center\" data-align=\"center\">1&#8217;240 CHF par an<\/td><\/tr><\/tbody><\/table><figcaption class=\"wp-element-caption\">Exemple r\u00e8gle des 4% &#8211; minimalistefrugaliste.com<\/figcaption><\/figure>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-background\" style=\"background-color:#120a36\">\u27a1\ufe0f <strong>Comme tu le constates, dans cet exemple, 10 ans d&#8217;\u00e9pargne et investissements \u00e0 2&#8217;000 CHF par mois avec 5% de rendement annualis\u00e9. Correspondra \u00e0 plus de 1&#8217;000 CHF par mois de pouvoir d&#8217;achat pendant minimum 25 ans \ud83d\ude09 (selon la r\u00e8gle des 4%)<\/strong><\/h6>\n\n\n\n<figure data-wp-context=\"{&quot;imageId&quot;:&quot;6a9876828a913&quot;}\" data-wp-interactive=\"core\/image\" data-wp-key=\"6a9876828a913\" class=\"wp-block-image aligncenter size-large has-custom-border wp-lightbox-container\"><img data-recalc-dims=\"1\" loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"724\" data-attachment-id=\"10499\" data-permalink=\"https:\/\/minimalistefrugaliste.com\/en\/impot-fire\/graphique-impot-fire\/\" data-orig-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?fit=1123%2C794&amp;ssl=1\" data-orig-size=\"1123,794\" 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-impot-Fire\" data-image-description=\"\" data-image-caption=\"\" data-large-file=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?fit=600%2C424&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\/2024\/01\/Graphique-impot-Fire.jpg?resize=1024%2C724&#038;ssl=1\" alt=\"Imp\u00f4t FIRE\" class=\"has-border-color wp-image-10499\" style=\"border-color:#cf2e2e;border-width:9px;border-radius:49px\" srcset=\"https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?resize=1024%2C724&amp;ssl=1 1024w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?resize=300%2C212&amp;ssl=1 300w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?resize=768%2C543&amp;ssl=1 768w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?resize=600%2C424&amp;ssl=1 600w, https:\/\/i0.wp.com\/minimalistefrugaliste.com\/wp-content\/uploads\/2024\/01\/Graphique-impot-Fire.jpg?w=1123&amp;ssl=1 1123w\" sizes=\"auto, (max-width: 1000px) 100vw, 1000px\" \/><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<h5 class=\"wp-block-heading has-text-align-center has-background-color has-primary-background-color has-text-color has-background\"><span class=\"ez-toc-section\" id=\"En_quoi_investir_afin_de_devenir_libre_financierement\"><\/span><strong>En quoi investir afin de devenir libre financi\u00e8rement?<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<p class=\"has-text-align-center has-white-color has-text-color has-background has-link-color wp-elements-9 wp-block-paragraph\" style=\"background-color:#030430\"><strong>Cet article n&#8217;est pas un conseil d&#8217;investissement. Investir peut provoquer un risque de perte d&#8217;argent.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-10 wp-block-paragraph\"><strong>En r\u00e9alit\u00e9, il y a plusieurs placements financiers afin d&#8217;investir son \u00e9pargne. Par exemple:<\/strong><\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>Placements boursiers (par exemple action ou ETF \u00e0 croissance)<\/li>\n\n\n\n<li>Acheter sa r\u00e9sidence principale<\/li>\n\n\n\n<li>ETF avec des actions \u00e0 grands dividendes<\/li>\n\n\n\n<li>Crowfunding<\/li>\n\n\n\n<li>SCPI<\/li>\n<\/ul>\n\n\n\n<p class=\"has-text-align-center has-luminous-vivid-amber-color has-text-color has-link-color wp-elements-11 wp-block-paragraph\"><strong>Notons que la majorit\u00e9 des ces investissements sont passifs ! Par contre, il est conseiller d&#8217;avoir plusieurs investissements afin de diversifier son patrimoine financier.<\/strong><\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Notons que chaque investissement que j&#8217;ai \u00e9crit a des avantages et inconv\u00e9nients. C&#8217;est \u00e0 l&#8217;investisseur de s&#8217;informer afin d&#8217;avoir une bonne vue d&#8217;ensemble.<\/p>\n\n\n\n<h5 class=\"wp-block-heading has-text-align-center has-vivid-red-background-color has-background\"><span class=\"ez-toc-section\" id=\"Conclusion\"><\/span><strong>Conclusion<\/strong><span class=\"ez-toc-section-end\"><\/span><\/h5>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\">\ud83d\udc49 <strong>Le plus important \u00e0 comprendre avec cet article, c&#8217;est que l&#8217;imp\u00f4t FIRE est une bonne m\u00e9thode pour \u00e9conomiser et investir !<\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Le principe de base est qu&#8217;\u00e0 chaque revenu gagn\u00e9, <strong><span style=\"text-decoration: underline;\">un pourcentage doit \u00eatre mis dans un compte \u00e9pargne !<\/span><\/strong> Cet argent doit ensuite \u00eatre investi ou \u00e9pargn\u00e9 pour un projet important.<\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49 \u00c9videment, il faut trouver un \u00e9quilibre concernant le % \u00e0 \u00e9pargner dans l&#8217;imp\u00f4t FIRE ! En r\u00e9alit\u00e9, l&#8217;objectif est de <em>ni &#8221;trop&#8221; d\u00e9penser, ni &#8221;trop&#8221; \u00e9pargner<\/em>.<\/p>\n\n\n\n<h6 class=\"wp-block-heading has-text-align-center has-luminous-vivid-amber-color has-text-color\"><strong>J&#8217;aime beaucoup le principe de l&#8217;\u00e9pargne \u00e0 50% du revenu ! C&#8217;est simple et facile \u00e0 calculer. <span style=\"text-decoration: underline;\">Il suffit de diviser le revenu par 2.<\/span><\/strong><\/h6>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">Par contre, si tu penses que tes d\u00e9penses sont au minimum et que tes revenus ne te permettent pas d&#8217;\u00e9conomiser 50%. Tu peux faire la m\u00eame strat\u00e9gie avec 25, 30 ou 40%. <\/p>\n\n\n\n<p class=\"has-text-align-center wp-block-paragraph\">\ud83d\udc49<strong> <span style=\"text-decoration: underline;\">Il ne faut pas oublier que plus t\u00f4t tu commences \u00e0 \u00e9pargner et \u00e0 investir, plus t\u00f4t tu profiteras des rendements de int\u00e9r\u00eats compos\u00e9s<\/span><\/strong>. C&#8217;est-\u00e0-dire, moins tu devras \u00e9pargner de ta poche pour atteindre tes objectifs financiers!<\/p>\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=3099\" 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\/pourquoi-dire-non-essentiel-minimalisme\/\">Pourquoi Dire Non est Essentiel?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/essentiel-cest-essentiel\/\">L&#8217;essentiel c&#8217;est &#8230; essentiel<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/elimination-la-cle-dune-vie-simplifiee\/\">\u00c9limination: la cl\u00e9 d&#8217;une vie simplifi\u00e9e<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/pourquoi-le-dca-est-la-cle-de-linvestissement-reussi\/\">Pourquoi le DCA est la cl\u00e9 de l&#8217;investissement r\u00e9ussi?<\/a><\/li>\n<li><a class=\"wp-block-latest-posts__post-title\" href=\"https:\/\/minimalistefrugaliste.com\/en\/comment-devenir-minimalisme\/\">Le Minimalisme et comment le devenir?<\/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-12 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-13\"><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=\"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>Many people want to save money but don&#039;t know how to do so in the long term. 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