Kituuttaja

(Instrumental intro: pulsing synthesizer intro) Bogle was a master of frugality—proud and relentless. He wasn’t just any guy, but the type who counted every euro like it was his last. While his friends talked about Netflix and new sneakers, Bogle quietly smirked to himself. He had his numbers in check, and there was no room for frivolity in them. The year 2022 was the starting line. Bogle pocketed €36,503, but he wasn’t about to spend it all. No, he did what any real frugal person does: 56.3% of his income went straight into savings. Mortgage payments were made diligently, utilities and groceries were paid for meticulously. He spent €4,546 on "unnecessary" things, but even that was a carefully calculated investment. A little on wellness and some trinkets—just enough to keep life somewhat enjoyable. 2023 followed the same pattern. Bogle’s income climbed to €40,885.75, but his savings rate stuck around that 56% mark. Maintenance fees went up, food prices inflated, and electricity bills were a little higher. But what didn’t inflate was Bogle’s mindset. The guy stayed steady, saving a hefty €22,902. He barely spent €246 on stuff—an impressive drop from the previous year. The unnecessary expenses shrunk, but his spirit remained unshaken. 2024 so far. The year had brought in €27,243, and the pace didn’t seem to slow down. Bogle’s motto: “Save whatever can be saved.” This year had its pleasant surprises, like January’s electricity bill—just €14! February told a different story, but still, it was just one month. Meanwhile, maintenance fees stayed relatively steady. Groceries and phone bills jumped around wildly, but Bogle smiled coolly through it. The guy knew the game, and things would smooth out by spring. While others were splurging on entertainment and goods, Bogle stuck to his strategy. Trinkets came and went—March even saw €74 spent. But there was a beauty in it. The savings rate had a life of its own—51.8% in January, 69.5% in February, just 37.9% in May. It was like a dance, even as the steps changed. And what was the result? The frugal process was steady and unshakable. No bursts of emotion, just cold numbers. Income and expenses—that’s what life was made of. By 2024, Bogle had already saved €15,276. His savings rate stayed around that magical 56%. This was Bogle—a lifelong frugalist, but somehow still free.