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Whoever gives up a car can afford a luxurious house! – It can be that simple


The headline of the article from Faktastisch (August 9, 2025) already spells it out mercilessly: Whoever never drives a car “could afford a luxurious house.”



Because Germans pour an unbelievable average of €496,400 into car costs — driver’s license, purchase, fuel, insurance, repair shops, parking spaces included. At least that’s how Hanna describes it in her article.

Sounds logical – if you use the same naive math kids do when they believe they can become millionaires by saving every penny they find in the couch cushions.

But we don’t want to be half-hearted. No – we want to live brutally efficiently to squeeze the maximum out of our savings plan.

Therefore: Here’s your ultimate turbo plan to get your luxury home paid off in record time – purely theoretical, of course, because reality is for beginners.

1. Food is overrated

Why spend hundreds of euros each month on groceries just to satisfy this banal need called “hunger”? Instead, live off free samples at the supermarket, leftover rolls from the bakery right before closing, and whatever you find in dumpsters behind discount stores. Keep in mind: Every meal you skip today is another shiny fixture in your future villa. Honestly, what are vitamins compared to a whirlpool with underwater lighting?

2. Heating? Just freeze!

Energy prices are only a problem for softies. Invest in thermal underwear from the flea market, multiple layers of old sweaters, and the ability to pass off your shivering as a fitness program. If it really gets unbearable, just sit in the entrance area of a shopping mall and enjoy free warmth – until security politely asks you to “please not come back.”

3. Clothing – buy once, never replace

Fast fashion? No, we’re doing the slowest fashion. Buy a sturdy, second-hand potato sack once in your life. With a drawstring belt. The material is durable, breathable, and guaranteed immune to fashion trends. And if the sack eventually tears – even better: the holes create a natural air-conditioning system for summer.

4. Friends and family – cut the cost factor

Friends mean expenses: birthday gifts, eating out, going to the movies. Family? Even worse – Christmas presents, travel, emotional obligations. Eliminate both completely. No social contacts means not only saving money, but also more time to stare at your villa’s blueprints and imagine living there alone.

5. Define hygiene as a luxury

Showering costs water, shampoo, and electricity. Instead: skinny dip in the river – free! Brush your teeth with baking soda or coffee grounds – not only saves toothpaste, but also the dentist visit, because you’ll avoid it out of embarrassment anyway. Bonus: the stronger your personal odor, the fewer people will want to talk to you – double savings on point 4.

6. Health is not an asset

Health insurance? What for. Preventive check-ups? Waste of time. Every contribution you don’t spend is another brick in your dream villa. Should illness strike, you can comfort yourself: at least the luxury house has enough space for a hospital bed in the living room. Provided you make it that far.

7. Housing – unnecessary

Why pay rent? Sleep in a tent, in a friend’s car (if they let you), or straight under a sturdy bridge. With the rent you save, you can put a down payment on your dream home in just 30 to 40 years. And if you’re really creative, just get hired as a “house-sitter” – you’ll live for free in someone else’s property and can pretend it’s already yours.

8. Children – the ultimate savings trick

Children are the biggest savings obstacle of all. Daycare fees, school supplies, clothes, food, toys – all just unnecessary expenses. The hardest but most financially effective measure: simply don’t have any. If it’s already too late – raise your kids to be fully independent. At six, they can already collect deposit bottles, at twelve they can work as YouTubers, and at eighteen they can move out and finally stop costing you money. Remember: every ice cream cone you don’t buy is another tile in your villa’s luxury bathroom.

The villa all to yourself

Whoever consistently gives up a car, food, warmth, friends, children, health, and housing will theoretically have the money for a luxury villa in a few decades. And then – finally – you’ll sit in your marble palace, alone, frail, with no social ties, but rich. You can polish the golden faucet while the world outside passes you by – with no one to share it with.

Ebenezer Scrooge would award you a medal for it – provided he didn’t decide to save on the production costs.

Dream over

One can only speculate how and where the author Hanna lives – probably in a charming old building apartment in a trendy downtown neighborhood, with excellent tram connections, an organic market around the corner, and a commute that can be done comfortably by bike or on foot. Maybe she works in an air-conditioned office where the biggest problem of the day is deciding whether to have sushi or falafel for lunch.

For everyone else, however, who lives in reality – far from the trendy metropolises, in regions where the bus runs only twice a day and only on weekdays – this dream remains completely unattainable. Because anyone unlucky enough to need a car just to get to work in order to earn a living might as well stick the luxury home plan on the fridge – as a pretty poster, not as a realistic goal.

Author: AI-Translation - АИИ  | 

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