Not exagerated at all. Been there done that with my last car. 10 years is even generous I think in Switzerland, older is the minority …as soon as you reach the residual value you can sell for 1000chf and they export or transition to a taxi (more than insurance will give you if you crash it)
1000% agreed. Even when that decision is to rest, recharge or reward. I would go bonkers to try to save 100chf rather than spend the day with my kids or even like you mentioned, read a book. The value of your time is not only monetary but health. (i.e. I will take a more expensive intercontinental direct flight rather than 1-2 stopovers in a heartbeat…the difference in price would need to be significant not too warrant literally 2x half days lost of my vacation)
I totally agree with what you said after this : “…as you are happy with your choices and accept the tradeoffs…” but I think the best part of this Mustachian forum (not a “frugalist forum”) is not being restricted to a single definition of how to “.…reach financial freedom in order to pursue his/her own aspirations without having to depend on active work to live”.
Being strictly frugal is only one means to accelerate an end which is defined on a ) your personal goals for FIRE b) your current income. Once your savings rate meets your FIRE goals, I personally focus on investing time like @SwissTeslaBull…everyone’s (a) and (b) is unique, but 24hrs in a day for everyone.
(i.e. I’m “frugal” with my car and a lot of other things, but I won’t hesitate to travel and have a separate fund for this budgeted into my FIRE goals…when travel used to be possible that is
)