Let’s further estimate that for every two years of driving an old Fiat UNO, instead of the new BMW, it means you can achieve financial freedom one year earlier (if you think this is a ridiculous estimate, why don’t you calculate the true costs of driving a new BMW).

Let’s further estimate that you are six times more likely to die in Iraq than in Johannesburg, and that your odds of dying, per year, while: working in Johannesburg is 1-in-3000 (not too far fetched, especially if you consider the risk of driving to work everyday), working in Iraq is 1-in-500, and spending time in retirement is 1-in-10000.