Free by 40 in Switzerland

Free by 40 in Switzerland is a book on how to reach financial independendence the Swiss way. It details my step-by-step recipe of how to retire early and stop working at 40 years old. You will learn how save money drastically, earn more, as well as start to invest.

In less than 6 8 8.5 years, I reached CHF 500'000 CHF 750'000 CHF 1'044'205 of wealth thanks to frugality. Many acquaintances also on the road to financial independence do even better by exceeding one million, and having already taken early retirement. All of them started β€” like me β€” without inheritance or a high salary or a specific access to education.

After analyzing all these paths, I can tell you that financial independence is not reserved for the richest. With a precise method and the right personal finance tactics, you too can stop working at the age of 40 (if you are already over 40, read this).

Convinced? Jump straight to the packages.

A must-read for anyone looking to escape consumerism and use today's financial system smartly to achieve unprecedented freedom in Switzerland.

Daniel Dreier, Senior Editor,

I will stop working at 40 in Switzerland.

And no, one doesn't have to inherit or be a financial professional to achieve it.


  • You don't manage to save money
  • You don't earn CHF 20'000 per month
  • You're scared to death of the stock market and investments
  • You're not disciplined enough with your personal finances (and the word "budget" gives you hives!)
  • You didn't receive any financial education
  • You have a husband/wife, children, and a full time job...
NOTE: It's funny because the six points above are the perfect description of who I was in 2013... A Swiss man in his late twenties who lives from salary to salary, who resigned himself to having to work until the age of 65 because "what else can you do anyway, except maybe play the lottery...?"

If you too want to:

  • Travel without worrying about money nor about your vacation quota
  • Wake up every morning and decide about your day (and not your boss...)
  • Be serene with your money (regardless of the amount of the unexpected bill you receive)
  • Say "Bye bye" for good to your incompetent manager and his useless meetings...
  • Don't care about the 2050 BVG conversion rate (because you're creating your own retirement!)
  • Have more than CHF 1 million of net worth before your 40 years old

Then you are in the right place...

My guide explaining (step by step from A-Z) how to become financially free
by 40 in Switzerland is finally available!

Table of contents

Click on each image to enlarge it in a new tab:

About the author

Hi! I'm Marc Pittet, in my thirties, married, with two children. I live in the countryside in French-speaking Switzerland. Thanks to a frugal lifestyle, I was able to become a homeowner in Switzerland before I was 30. My second life project is to achieve financial independence by 40.

By making my path with the Swiss rules, I created the method described in my book. My goal is to help other Swiss people to become financially free.

They talk about my strategy:

The ultimate guide to building wealth and retiring early in Switzerland. If you care about personal finance, this is the book.

Remo Uherek, startup founder, and retired at 35 in Switzerland

3 packages

Complete Edition - CHF 249

All that you need to achieve financial independence by 40 in Switzerland:

  • πŸ“• The book (hardcover and PDF)
  • 🧰 2 key resources
  • πŸŽ₯ 10 video interviews (sent at the rate of one per week for 10 weeks)
  • πŸ”” 50+ notifications to stay motivated over the long term

Complete Edition details

  • The A-Z step-by-step guide
    • Hardcover version (ℹ️ you receive it within 2-3 weeks + πŸš€ Free delivery worldwide)
    • PDF version available immediately after purchase
  • 12 hands-on exercises at the end of each chapter to motivate you and build habits that last
  • My checklist of the Swiss Frugalist
  • 30+ annual financial optimization reminders linked to the above checklist received automatically by email (that way you don't have to put on any reminders to check if your health insurance or pillar 3a is still the most frugal β€” I'll warn you when it's time to take action!)
  • Live infos about the activity (buy/sell) of my stock market investment portfolio so that it also motivates you to take action until it becomes a habit!
  • Monthly sending of my net worth status listing the amount of each of my assets, to inspire and motivate you!
  • 10 video interviews (approx. 45 minutes each) with influential personalities in the field of financial independence:

PT Money (LinkedIn)
Net worth: CHF 1'750'000
Learn how PT Money became master of his time. Every day of his life. Since 2010.
Thomas Veillet (
Net worth: CHF 1'200'000
Thomas started to trade in his early twenties. But his view of stock market investing has changed over the years. Inspiring journey.
Liz (
Net worth: undisclosed
Discover how Liz (and her family!) moved from a city life to a rural life on a homestead in Vermount (USA), as well as the psychological impacts of the FIRE journey.

Matthias Richter (Blog)
Net worth: CHF 2'000'000+
After a rather demanding career in banks, Matt made the transition to entrepreneurship and is now FIRE at the age of 40.
Justin (
Net worth: CHF 1'955'000
An "average" guy like me, with a standard job, a standard salary, who, through frugality and discipline, became FIRE at... 33 years old!
The Poor Swiss (blog)
Net worth: CHF 330'000
A complementary point of view to mine from this blogger from Fribourg in his thirties, who embarked on the FIRE adventure 2 years ago. And he doesn't have a plan B :D

J. Money (
Net worth: CHF 1'250'000
J. is a serial entrepreneur. He always has several projects in parallel. FIRE? Not yet, but he's working tirelessly on it, and cash abounds.
Thomas Kovacs (
Net worth: CHF 700'000
Based in Zurich, Thomas is in his early twenties. And he's approaching the million CHF net worth mark faster than I am!
Carl (
Net worth: CHF 2'700'000
Carl retired at age 43, with over 2 million US dollars saved. He tells us how his story unfolded from the beginning.

J.D. Roth (
Net worth: CHF 1'300'000
J.D. is one of the oldest bloggers in the personal finance field. He explains his FIRE adventure that started in 2006 with... debt. Inspiring and authentic!

Strategy Edition -Β CHF 549

Limited to 5 sales per quarter (1 remaining currently)


  • πŸ’₯ Everything in the Complete Edition
  • ✍️ With in addition, a personalized and individual advice on your financial situation
You have 1h30 of written exchange credit at your disposal with me (in one or several sessions, via a dedicated, priority email address). You choose the program, in "Ask me all the questions you want!" mode. Readers usually send me about 1-2 A4 pages telling their story and their current financial blockers.
The goal of this exchange is to help you avoid the most costly mistakes I see almost all beginners (myself included at the time!) make:

  • Procrastinate and never start investing (or worse: relying on expensive asset managers to grow your money...)
  • Choosing the worst pillar 3a that exists (and being stuck with it for many years)
  • Losing thousands of francs with useless insurances and subscriptions, just because of laziness...
  • Not (really) cutting into the fat of your expenses because "Yes, but we never know", or "Yes, but if I die tomorrow... one has to enjoy life"

Already 1'888 copies of the book sold!(at 3'000, the book becomes a bestseller in Switzerland)

Manuscript Edition - CHF 59 (or CHF 39 with PDF only)


  • πŸ“• The book (hardcover and/or PDF)
    • ℹ️ In hardcover version, you will receive it within 2-3 weeks
    • πŸš€ Free delivery worldwide
  • βœ”οΈ My Checklist of the Swiss Frugalist
To be clear, the book is THE part where I spent the most time and effort. All the bonuses of the Complete Edition are very helpful, but let's not undervalue the book itself. It is a guide to which you will refer in the years to come when you too are on your way to financial independence in Switzerland.

An effective storytelling to demonstrate how to accumulate a maximum of savings as quickly as possible, and how to make them grow at the same pace.

Pierre Novello, Swiss independent economic journalist and best-selling author


Which edition should I choose?

It depends on how much you've budgeted for it, obviously! The Complete Edition is of course the most inspiring (with the concrete video testimonials), and the most motivating with the 50+ notifications per year. But the guide itself is packed with 332 pages of tactics and practical exercises to help you achieve financial independence by 40 in Switzerland.

But Marc, seriously, is it really frugal to buy a book for CHF 59, or even CHF 249?!?

As usual, my answer is: how much value do you expect to get out of it?
If you're going to buy it, read it, and carry on with your routine without changing anything, then clearly, it's not a frugal decision.
If it's your concrete plan to buy it and apply my step-by-step methodology, then the return on investment you will get will be with many zeros. Why? Because if you start from point A (novice) and get to point Z (expert), you will be hundreds of thousands of CHF richer when you reach early retirement.

As for me, if I had been offered this step-by-step guide in 2013, telling me that it would allow me to reach CHF 540'000 of net worth six years later, instead of staying with my CHF 50'000... my answer would have been clearly "Where can I buy it?!?"

We went from 0 to 30'000 CHF invested in 3 months, and we have a beautiful project for the future that awaits us at our 45 years old! So who do we thank? Thank you Marc Pittet! I told you that you were changing lives!Claire, reader of the blog

Your guide is cool, Marc, but I'm already over 40 years old... is it really worth buying your book?

Short answer: yes, it's worth it!
Detailed answer: the personal finance techniques presented in my book are applicable at any age. And even if you are over 40, they will allow you to stop working 10 or 15 years before the legal retirement age! Afterwards, if you really want to wait until you turn 65 to decide about your life every morning, you indeed don't need my book ;)

And if you're 65+, know that more and more readers of the blog are telling me they want to buy the book (hi JC!) to offer it to their children in order to provide them with that financial education that is so lacking in our educational system. Just sayin' :)

I would like to know more about you, where do I find this information?

I have more than 200 articles on my Swiss blog Mustachian Post which talk about financial independence, investments, how to earn more monthly income, real estate, Swiss salaries, how to convince your spouse, and many other topics.
And if you're really curious, you can read my story here with lots of crispy details.

Choose your Edition


Receive a hardcover copy of "Free by 40 in Switzerland" (πŸš€ free delivery worldwide), the book that has helped dozens of Swiss people save, earn more monthly income, and invest in order to achieve financial independence by 40.

  • The book in hardcover and PDF format
  • 12 hands-on exercises to motivate you and build lasting habits
  • The checklist of the Swiss Frugalist


  • The A-Z step-by-step guide (hardcover and PDF versions)
  • 12 hands-on exercises
  • The checklist of the Swiss Frugalist
  • 10 inspiring video interviews with people who are either on their way to FIRE or already financially independent
  • 30+ annual financial optimization reminders (each year)
  • Live notifications of the activity (buy/sell) of my investment portfolio
  • Monthly sending of the status of my net worth (including the list of my assets)


Only 1 remaining currently

Includes all the content of the Complete Edition, plus an individual written exchange of 1h30 with Marc to review your personal financial situation and ask any outstanding questions you may have.

Take the time to make sure you don't lose several years of financial independence (i.e. thousands or even tens of thousands of CHF).

If you think about it, it's absolutely crazy that people can just work 8.2 hours, 5 days a week, 47 weeks a year, for 50 years without realizing that there's something profoundly wrong with that.

Do yourself a favor and get this book. Not only will it help you to dream with your eyes wide open, but also give you a swift kick in the a** for getting started creating your dream life using financial freedom as a tool.

It's no magic. You can do it too.

Matthias Richter, former wealth manager at UBS, blogger at Financial Imagineer


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To not miss any opportunity to grow your wealth, I recommend you to start from the first blogpost, and to read up until today using the navigation links at the bottom of each article.

You can also browse the complete list of blogposts and click on the ones that pique your interest.