"The rates are debatable but often 7% yearly is quoted. Example, instead of buying a 40,000 car, put it in stock market for 30 years and get just 6% return you'

"The rates are debatable but often 7% yearly is quoted. Example, instead of buying a 40,000 car, put it in stock market for 30 years and get just 6% return you've got 229,000. Thats a large percentage of retirement for simply deciding not to buy a new car" I completely agree with you. Many people would like to have an extra activity generating passive revenue but not spending and saving is exactly the same thing. It can be hard to be consistently frugal though.