In a bizarre round of the endless, massively multiplayer game of Telephone that is the internet, a recent Forbes headline pronounced, “Wealth Guru Plans Dutch-Style Car-Free Bicycle-Friendly City Near Boulder, Colorado.“ Other publications quickly jumped on the story about a supposed eco-friendly, urbanist, cycling utopia in the works at the base of the Rockies, which would have a population of 50,000 people in a single square mile and be the joint project of a Dutch urban design firm and a popular Colorado-based early retirement blogger.

Unfortunately for those hoping to sell the car and move to Cyclocroft, there are no actual plans to build this experimental city. The whole thing was just a thought experiment, a series of tweets sharing the detailed (but fictional) 3D mockups of what a better and more fiscally resilient way to live in that corner of the world might look like.

Fortunately for those who like good, thought-provoking content on how to detach from the mania of modern life and live more deliberately, the one part of the brief Cyclocroft craze that is real is the “wealth guru” who put the idea out on Twitter as food for thought.

His name is Pete Adeney, but you probably know him as Mr. Money Mustache. He is a fan of Strong Towns, we’re fans of his, and he just so happens to have been our special guest on one of the most popular Strong Towns Podcast episodes ever, published back in April 2016. Here it is, #7 in our Greatest Hits series.

“The Individual Digital to Our Community Analog”

That’s the phrase that Strong Towns founder and president Chuck Marohn uses to describe Mr. Money Mustache, and for good reason. The core insight of Strong Towns is that many communities are trapped in a cycle of unproductive, debt-fueled growth for growth’s sake—and that our cities and towns need to quit the rat race and focus on building great places that generate real, sustainable wealth from the bottom up.

The core insight of Mr. Money Mustache’s writing is that many individuals are trapped in a cycle of unproductive, debt-fueled consumption for consumption’s sake—and could also stand to take a step back and live better—and wealthier—by avoiding debt and investing their resources in the things that actually, demonstrably improve their lives.

Listen to this podcast to find out:

• How Mr. Money Mustache manages to drive only 400 miles per year (aside from a couple out-of-town trips) while living in suburban Colorado. Hint: it has less to do with bicycling—though he does bike—and more to do with a local lifestyle, arranged so that he can get most of the things that he needs and that are rewarding to him within a few miles of home.

• What it looks like to live debt-free on $24,000 a year. Hint: it doesn’t look like obsessive frugality, or like self-imposed poverty. It looks a lot like evaluating your mundane, daily choices to figure out which ones are actually high-returning in terms of happiness: something we at Strong Towns analogously encourage cities to do with their own investment decisions. MMM describes his philosophy as, "Getting the benefits of the modern lifestyle while slicing out the things that don’t benefit us."

“The biggest thing is a local lifestyle. That doesn’t really happen by accident. I try to emphasize that as opposed to just saying ‘Ride a bike!’”

• The benefits of living as though debt is an emergency—something to be resolved as quickly as possible—not a constant fact of life.

• The benefits of blogging about all of this. (“I”m living a better life than I otherwise would, because people are watching, so I can’t screw it up.”)

“It’s very natural for us as humans to live for today,” observed Marohn. “To say ‘these things [we want to spend money on] are prerequisites,’” even if that means we need to go into debt to acquire them. For an individual, getting out of that mindset can be challenging and scary, but it can be immensely rewarding.

If you missed this podcast back in 2016 or you’re new to our audience since then (and we know most of you are!), check it out this time around and let Mr. Money Mustache show you how to achieve what he calls “financial freedom through badassity.”

And then think about how your city could do much the same thing, if its leaders got disciplined and deliberate about where they’re spending citizens’ tax dollars—and made sure it was on the things that truly generate long-term prosperity and quality of life. That’s the Strong Towns approach. One might call us the Mustachians of urban growth and development.

Just don’t look for us to announce a master-planned utopian bicycle city anytime soon.