Frugalists want to retire at 40 – “What planet do these people live on?”. “I simply spend less money than I earn in my job and save the difference,” says Oliver Noelting on his website

Frugalism goes beyond thrift. In addition to saving, the focus is on investments. ETFs are the preferred investment instrument. After 40, how much pension is left over with a gross monthly salary of 3,500 euros is an open question.