COMO ADMINISTRAR SEU DINHEIRO PARA NÃO EMPOBRECER

I was born to be a leader, I was born to lend and not to borrow, right? The word "gave" has to have the right name. One day, the wife of one of the prophets' disciples went to talk to Elisha.

The first principle here is that you don't talk about finances with just anyone. There are people who go around saying "I'm having financial difficulties". And then he asks: "And how is your life?

" That doesn't interest you. My financial life is something very intimate, very private. We don't talk about your financial life, your money, your troubles, how much you owe or how much you earn for anyone.

I'm going to talk to Eliseu because he can help me in some way. It's the widow's son who dies, right? She goes to talk to the prophet and someone comes and asks: "What happened?

" And she says: "Nothing, everything is fine. " Don't open up your private life, especially when it comes to finances. The same thing goes for marriage issues, right?

Don't open up to just anyone. She went to talk to Elisha. So, you should talk to someone who can help you, not someone who only knows how to gossip and wants to know about your financial life.

The second thing is the principle of no waste. God does not work with waste. There are people who buy a lot of things on the market, lose everything and throw them away.

Put together that huge plate and half the rice goes to waste, right? If we take the passage of the multiplication of loaves, in the end there were 12 baskets left. Jesus said: "Ah, there's leftovers!

Gather everything together, collect all this and I won't throw anything away. " This is not stewardship; It is taking good care of what God gives us, with wisdom and intelligence. There are people who spend like there is no tomorrow and are not financially intelligent people.

Financial education is resolved with financial education, not with an architecture and urban planning degree from USP. It has nothing to do. People think that because they have a good education, they know how to deal with money.

No, it has nothing to do with it. There are people who are financially strapped in professions that, theoretically, earn a lot of money. For example, medicine.

I know people who say that there are many doctors who ask for loans from banks. It is one of the most indebted professions. Unbelievable, right?

Do you think it's the bagger or the guy who washes the car on the street? No, he's a doctor. When you handle money poorly, your entire family will suffer.

Your wife will get upset because you don't know how to handle money. Your husband will lose it if you don't know how to use money. Your children will fall apart; You will have precarious housing, your children won't have a good school because you don't know how to deal with money.

Ah, Dudley, are you trying to say that everyone has to have money? I'm saying you need to study money. If you don't study, the chance of making mistakes with your money is much greater.

The donkey spends everything he has to enjoy life with temporary pleasures. Intelligent people enjoy life, invest in the future and build wealth. This has a biblical basis.

The Bible says that anyone who spends everything they earn is a fool. The wise man stores and always has food and good things in his house. The fool spends everything he earns.

Building assets involves the issue of investment, but I like to divide assets into material, durable and non-durable. What is a non-durable good? It's a good that you spend your money on and it gives you temporary pleasure, but soon it's gone.

Oh, I'm going to have an ice cream that costs R$50 a scoop. Alright, be happy. The problem is that in 15 minutes, the R$50 is gone, and you have nothing left, except the memory that it was good.

Traveling also brings good experiences and moments, but it does not become heritage. What is a durable good? It's something I spend my money on and can be converted into cash if I need it, for example, a house or a car.

Ah, but the car depreciates. Yes, it depreciates, but it is a durable asset that, if it goes bad, I will sell. I sold my car to buy my apartment.

This was one of the strategies my wife and I adopted. Damn, what have you bought in life? It's a question I ask a young Christian: "I want to get married.

" And the guy will say he has two holey underwear and a sock. Damn! The guy is 20 years old and has nothing?

This is heritage. You can enjoy life, eat dogão after worship, do various things, but you are using the money that God gave you intelligently to build your assets. My first debt in my life was the apartment I bought.

The first time I used a credit card was when I was 36 years old. But Duda, were you an office assistant? Yes, but I did my runs, and that more than doubled my salary.

In fact, we have two scenarios: the person who earns well but spends poorly, and the person who actually earns little and is already living on the edge. Duda, what do I do? Extra income.

There's no way. Here comes the issue of financial organization, which is fundamental. You need to spreadsheet or use an app to see how much you earn, how much you spend and how much is left over.

That's the main thing. What is the problem? Sometimes people focus more on big expenses and don't realize that small expenses lead them into a hole.

There's even a verse (I don't remember if it's Proverbs or Ecclesiastes) that says: "Be careful with the little foxes", because they are the ones who destroy the fields. What is the idea of ​​this? The field is there with the wheat, and the little foxes are underneath, without you noticing, starting to destroy everything.

When you realize it, everything will be consumed and you didn't realize it. On my channel, there's a class about this. Just go to YouTube, "Planilha Financeira Primo Pobre".

It's a completely free spreadsheet, where you'll enter how much you earn in salary, how much your wife earns (if you're married), food allowance, meal allowance. . .

Here you'll give the sum. You earn R$3,000 and, on the other side, we will separate several little things that are spent. This is organization, financial planning, which also has verses in the Bible talking about this.

The guy who earns R$3,000 has to make this spreadsheet to visualize: "Where is my money going? " Off the top of my head, we don't know. And this spreadsheet isn't for you to write down everything, like "Oh, I bought a candy on the train.

" No, it's just for you to have an overview of the situation and see where you can increase your income and where you can reduce your costs. And everything revolves around that. Without this visualization, you will be the typical person who says: "Duda, I worked all month and on the sixth working day I already spent everything and I don't know where my money went.

" Of course you don't know, you haven't planned to see where you're going. And it's not a boring thing to do this every month. My spreadsheet hasn't been updated in a while.

Why? Because, with the spreadsheet, I already know where my money goes. I know what my costs are.

For example, today, my cost, my wife and I, spent everything. Counting everything, it's four thousand. If you win five, you have a thousand left.

If you win ten, you have six left. If you win twenty, you have twenty left. That's my cost.

Do you know what your cost is? We know that there are essential costs, which are fundamental to living, and superfluous expenses, such as going out, leisure, going out, whatever. But, follower, I said to fill this out here because you need this spreadsheet.

Otherwise, you won't see where your money is going. A follower filled it out and realized that every month she spends R$250 on dog food. No problem, your dog deserves good food.

The problem is that you don't know where your money is going. There are people who put together the spreadsheet and realize that the dog ate well -- it must be a hungry Labrador! For those who have money, spend what you want!

And, if you're not going to go into debt to buy the iPhone 15, check it out, right? Now, if you are a person who wants to change your life, you will have to have priorities. Do you want tennis or do you want to escape poverty?

Do you want the watch or do you want to start investing and have assets to stop being a person who doesn't have R$1. 00 in the bank? So, it's all a question of priority.

Today, thank God, I'm at the stage where I can spend on whatever I want. But, in 2021, I had the mindset that my goal was to pay off my apartment. "I'm going to pay off this debt and I'm not going to spend it on anything else.

" That wasn't that long ago . So, when you want to change your life and escape poverty, you need to focus on what you need and not what you want. What do I consider to be poor?

Let's start here. What does it mean to be poor? In my opinion, it is difficult to measure this in reais.

The guy who earns R$3,000 here in Campinas has a life, and the guy who earns R$3,000 in the backlands Bahia lives differently. The guy who lives in the interior of Minas is another. Difficult, right?

What do I consider the life of the poor and what do I try to solve by helping those who follow my channel? It's helping people stop being in debt and have money in the bank. I'm not talking about R$1 million or R$5 million; I'm talking about having R$5,000 in the bank.

If you have this, you are already better than 99% of Brazilians, understand? And the third thing is to stop working for the entire month just to pay bills and bills. That's being poor to me.

The person is full of debt, has no money in the bank, has no emergency reserve and works all month long , only to have all the money gone on the sixth working day, from so many bills they need to pay. There are people who earn R$5,000, R$10,000, R$20,000 and are in this situation. For me, all these people are poor.

A person who earns R$5,000, but has emotional control and financial intelligence, will have a much better life than someone who earns R$20,000 and doesn't. Spend your money on pleasures, on enjoyment, on joy, but always with the fear of God. But also use your money to build wealth and have assets.

If something goes wrong, you have things you can convert into cash to survive for a while. This is financial intelligence. "Ah, but I depend on God.

" God says: "Don't just do this. " There are things that Jesus will not do for us. There are things that we need to do.

Yes, He gives us the ability to do this. You 're going to do the following: go to all your neighbors and get a container for everything they need. "Oh, God will do it.

" Oh, you might even be embarrassed. Yes, you will be embarrassed. Let's solve your problem.

Do you want me to do everything and you do nothing? Imagine it like that, right? Of course I'm exaggerating here.

She went there, God did the multiplication and, in the end, Elisha said: "Okay, it's all there, now you're going to sell it. " And the woman replied: "But I'm not a saleswoman. " But you will learn to be a salesman.

God did his part, which was to multiply, but he did not take away the woman's responsibility. Go do your runs. You will pay whoever owes you.

That was Elisha's advice. So , were you full of money? No, don't spend it.

"Ah, I want to buy a new carriage. " No! "Negative, gave money, will pay whoever owes you, clear your name, resolve your situation.

" And then the issue of debt comes into play. If you don't study financial education, you'll do something stupid and, until you die, it costs money. It's expensive to die these days!

So, let's get into the next point I was already going to talk about. You can't leave your wife because I take care of the home. "Here, let me provide the food here, I'll bring the things, but if I die, you can deal with God.

" It's not like this. So I even put it here: Proverbs 13:22: "A good man leaves an inheritance for his children. " This disciple of the prophet left a debt for his family.

The animals were almost being sold into slavery because of the size of the debt. Imagine that. Pretend you are tied up, in the name of Jesus.

But if you die today, is your family okay? Is it guaranteed? Do you have money in the bank?

Do you have a reservation? Will there be a pension, anything? Or is it chipped?

And you'll say: "Turn around, I'm up there in glory now. " You turn around! So.

. . how's the situation?

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