Bernie and Weiter's parents bought their home when he started high school in Britain in 1981.
"They did what all Brietz did then," he says. "A big house, a big mortgage."
A short while later, a big recession came and the interest rate rose to 17%. As a result, his parents had no choice but to cut expenses: the vacation days were over.
Weiter's father stopped buying beer and continued to do his job. And the man's approach to money has changed forever: "It was scary to charge a lot of money to the bank," he says.
Weiter assured himself that he would never end up in the same situation as his parents.
He studied economics and started working as an accountant. He completed his specialization in financial education and worked in the region for 20 years.
But even though his salary was far from the 12,500 pounds he earned shortly after graduating, his lifestyle continued to be Spartan.
For more than two decades, Viter has been careful to save at least half of his monthly salary for retirement. In addition, any additional income that he earned went directly to his savings.
He cycled instead of taking the subway, in addition to reducing his alcohol intake.
Weiter, 48, managed to save enough to retire at the age of 43.
But it was only a year before retiring that he met A silver mustache, A blog written by Canadian Peter Adney, a celebrity among young retirees.
Vaiter realized that he was unconsciously part of a movement that became more popular among young workers in the world.
It is called fire, an acronym for English for financial independence, early retreat (or economic independence, early retirement, free translation).
It goes something like this: people living this way live as austerely as possible, saving half of their income or more in their 20s and 40s.
The goal is to retire 50 years ago.
Many proponents of fire, however, do not intend to spend their 50s on cards or traveling on cruises.
It is about economic independence: the goal is to get enough savings and live the simplest way.
So they can devote themselves to doing something more than making more money or fighting for a promotion, or worrying about paying a large mortgage bank.
While these ideas have been around for a while, social networks have allowed traffic to really merge in the last decade.
Today, thousands of people worldwide subscribe to podcasts (one of the most popular are Firedrill), follow blogs and participate in discussion forums on how to live a modest life.
Different from others
These communities of young people are obsessed with saving for retirement and are contradictory to the current trend: Most Millennial do not save enough when they stop working.
In the UK, millenials save an average of 4.6% of their retirement pay. While fire followers save half their income or more, spending as little as possible.
Craig Corlop, a 25-year-old financial analyst, is one of them.
He has a car but does not drive it. In fact, he rents it from a site called Toro, and instead uses the bike: "I did it and I earned a few hundred extra dollars a month," he says.
Curelop, who lives in Denver, United States, used to rent his room on an Airbnb and sleep in the living room.
He saved so much that he managed to buy another house in June this year (he bought his first duplex in April 2017), where he lives in one room and rents the other.
"Now I save between $ 3,000 and $ 4,000 a month," he says.
"I've probably spent between $ 60,000 and $ 70,000 in the 18 months since I started renting my first home," he says.
This lifestyle is not immune to criticism, as many say that savings goals are unattainable.
"There are a lot of positive results and good roots in financial planning, but I think it's an extreme version that does not necessarily fit everyone," says Damian Fei, a London-based financial planning consultant.
The mathematics of life
Another controversial aspect of fire is: How much money should you retire at the age of 30 or 40?
Critics say traffic advocates underestimate how much they need to save.
Many (though not all) follow the 4% rule.
If a person withdraws only 4% of the investment, his income will consist mainly of interest and dividends and will not spend part of the capital.
The golden rule here is to save 25 times the required expenditure: For example, for someone to spend $ 39,000 a year, you need to save $ 771,000 ($ 2.8 million) retire early
But this rule has flaws, especially when it is applied to young people. This is usually used for those who retire in their 60s, who probably do not need money for more than 30 years.
"If you retire at 30, you're still 70 years ahead, I think there's a bit of innocence," says Holly McKay, the founder of the boring money.
Cut, not cut
Gwen Merz is 28 years old and owns assets worth $ 200,000 (mainly in property, shares and money).
"I'm not retiring, I still have to work, but I have the freedom to choose something I really like and not pay much."
She expects your investments to provide you with income whenever you decide to stop working. In his view, the fire is not only about finances, but it offers a fraternal community.
"I can go out with people who do not look at me biased by a 13-year-old car owner," he explains.
She says she'll be happy to have the Nintendo Switch game, but she thinks it's unnecessary. He also eats less than before and does not travel so often.
According to March, "You should be able to live better, but that does not mean you have to spend a lot of money."
White agrees. "You do not have to go to an expensive bar in the city center," he says.
"It does not make sense to live unhappily for 20 years just to be able to live in unhappiness another 20 years after work," he says.
Although the "RE" part of the fire movement is to retire early, the goal of Merz and Viter is not to give up their jobs and do nothing until they die.
"We are not going to sit with a cocktail every day," Marz says.
"Humans have an inner need at work, we have to feel like important members of the company and it will not change just because we have a lot of money in the bank," he adds.
On the contrary, they believe that this lifestyle gives them the flexibility to do what they want.
"You have to live to understand how strong it is," says Weiter.
BBC News Brazil – All rights reserved. Reproduction is prohibited without written permission from BBC News Brazil.