COMO ADMINISTRAR O DINHEIRO QUE VOCÊ GANHA PARA VIVER

How hard Brazilians work to not have money to buy a hot dog on the street. I was never poor, like, wow, I went hungry. Wow, my life was terrible!

How I suffered at public school, you know? There are people who don't have money to eat at McDonald's, but they are happy, right? It's happy!

This is a point that I really like to talk about on the channel, right? What year were you born? It's almost the same year as me.

I'm 83. My sister is also 83, so she's a little older than me, right? So, man, it took a while for me to go to the movies, too.

These things. . .

Wow! I was at an event, I think it was at Flu, I don't remember where, and I talked about it. I was dying to have a friend who would have a birthday party at McDonald's, it was my dream.

Never been, bro! Damn! At home we were like lower middle class, you know?

I say that he is the type of person who really wanted it, but didn't need it. There was a house, right? We went through some troubles.

I lived in a place that was a little rough, that caused flooding. We lost all the furniture. Then I went to live at my grandmother's house.

We lived in Pirituba. Pirituba. .

. Yes, it is the West Zone. We went to live at my grandmother's house and we stayed there sharing a room for a long time, the whole family, right?

But, damn! It seems like my story is kind of similar. At one point we had to move and then we stayed in a room in my grandmother's house for about six months.

It's tough, but at the same time it's really fun, right? Especially after it ends, right? Value things.

There is also the issue of poverty based on salary, on how much you earn. For example, that thing about extreme poverty and poverty. .

. There are people who are class A, class B, C, D, E. I won't remember now, but it's such a mess: those who are class A are the families that earn up to a minimum wage, the sum of family income.

I don't remember what the exact number is. But, if I'm not mistaken, class A is those who earn over 24 thousand, class B is those who earn between 12 and 24 thousand, class C is those who the whole family earns between 5 and 20 thousand, and 12. Class D is those who earns between one minimum wage and three minimum wages, I don't know, and the most disadvantaged class is the one that earns up to one minimum wage.

And beyond that, there is extreme poverty, which is like a family earning 124 reais per person. Bolsa Família. .

. So, it really sucks, right? It seems like there is always someone richer or there is always someone poorer than you, right?

The social division is bizarre, right? It goes to extremes, right? My channel isn't necessarily about teaching people how to become millionaires, it's about getting out of poverty.

If she comes out of poor poverty and has the life I had, which was a good, simple, but good life, I'm already happy. I know a lot of people who said: "Duda, I'm doing Uber after my job, I'm taking two thousand and two hundred off my salary. " Yes, the first source of income I had was extra income.

Because I got married, I made a retrospective video of my wedding. And then the owner of the production company I hired to make my wedding video said: "I can't sell this video to my clients. " I said: "Of course, there's a ready-made format, you sell it, we'll crack it.

" And then I was a civil servant and I started doing retrospectives. Suddenly I was doing four, five, six retrospectives a month. Damn!

And then my salary as a civil servant, which is a good job, there were already a lot of people who were there until today. People liked that system, that methodology, where you spend a lot of time doing the same thing. I didn't like it.

Then I started making video, video, video, video. Soon I saw that the retrospectives were yielding more results. Then I said: "Now I'm going to invest, take all this value that is generating and I'm going to invest it in courses.

" Because the college I went to, I studied accounting. But I stopped in the second year, because it wasn't what I liked. And this source of income here helped me pay for the courses I needed to complete this process of leaving the civil service and entering the audiovisual industry, in 2005, 2006.

And then it was extra income, exactly what you're talking about, and that is to undertake. There is extra income for those who have a motorbike. There are other examples.

There are people who are working as waiters at buffets. You only work on Friday or Saturday nights. Dust, on Saturday night it's work.

That's what we were saying: it's a priority. Do you want to get out of poverty or do you want to enjoy life on a Saturday night, right? The guy works there for 100 reais a day, 100 on Friday, 100 on Saturday, 200 times 4 weeks, 800 reais.

If the guy does this for a year, 8 thousand or 9,600, he can accumulate it by working twice a week at night. I'm not talking about going every day just on Saturday nights. The guy makes almost 10 thousand in a year.

With 10 thousand, you pay off all your debts, set up an emergency fund and start investing. And there will be three, four thousand invested there. It's a whole different world in 2025 than the one you started in this year.

You realize that in a year of hard work you can change your story. It just depends on you, it depends on you, right? There are a lot of people who say no, that it doesn't just depend on me, because there are several other factors.

I don't know what, but it becomes an excuse, right? At the end of the day, I say that those who are good at making excuses aren't good at doing anything else, right? It's not good for anything else, right?

There's a phrase that goes like this, right? And it's true, right? But what about the iPhone?

You see the people who can't afford an iPhone, but the guy says: "No, I insist, I'll pay in 36 installments, but I'll have it. " It's a consumer's dream, right? Man, it's funny, because it's not even a rich thing anymore, right?

Because every poor person has an iPhone nowadays, right? Everywhere I go, everyone has an iPhone, right? It's just that, it's good!

You can't say it's not a good product. But like, man, it doesn't have to be like the iPhone 15, 15 Pro Max, right? That has three cameras.

. . That's the idea, you know?

Show people that there is a path, a path is a process for you to escape poverty. It's not Tigrinho, it's not Mega Sena, it's not a course, it's not all that stuff you see out there as if it were an easy path, a shortcut. There is no shortcut.

The path is sacrifice, renunciation, making an effort, working harder, making money and stopping doing stupid things. That's it! I want to talk about the traps that people often fall into in their search to make easy money.

Uhm. But you talked about impressing others. Uhm.

What's the biggest trap people fall into to impress others? Car? Is it the house?

What is it? Man, it's got it all, bro. He has a cell phone, it's Apple.

There are sneakers, there are branded clothes, there are cars. It's a lot, for example, Serasa has a survey that says that the biggest expense in Brazilians' lives is food and the second is cars. So you get a guy who is 18 years old, he already wants to finance a car and, man, this is not the time.

It's like, then the guy earns 3,000, which is already an above average salary. 3,000. Let's get the guy who finances a car there.

The installment will be 1,200, but he adds the IPVA, plus the insurance, plus the licensing, it goes up to 1,000 per month. And with maintenance fuel, at least 500. So, damn, 66% of the guy's salary is going towards having a car.

Damn, bro! Ride the train, creature! For God's sake!

What's the point of you working all month and of the 30 days, 20 are just for you to have a car? But is buying a car wrong too? Yes, it's wrong !

Because that way, it starts at the bottom. It is possible to have a more affordable car. It's what I've done my whole life.

Take a 15-year-old car, a Celta, a Gol, take an old car. The guy has been doing this his whole life . My first was a 1986 Fiat Premium.

It was time, huh, bro? Square, right? My father had an Elba during good times.

We had a used Elba too, right? I learned about cars from breaking them down so much. Did you become a mechanic?

Wow, mechanic! And then I met all the mechanics in the region, because now it was suspension, it was the carburetor. But it was what was possible, it was what was possible.

And then you evolve. For example, what is my evolution? Today I have an HR-V.

I'm happy as hell! It was the car I wanted, I dreamed about it for about five years. I started with Celta.

I didn't start with Corsa, a used Wind, which at the time I must have paid 5,000, I don't remember. It was a long time. So I sold it, I put it together, I put it together, I put it together, I sold it and I bought a used Celta from a rental company, white, right?

Back when it wasn't even fashionable to have a white car. Today it's status to have a white car, right? In my day it was ridiculous, like a taxi, right?

I bought a Celta and after that I managed to buy a Space Fox. And, you know, like that, but the problem is that the person has no emotional control. And this has everything to do with financial education and your emotional control.

Then you start to get rich. That's one point. Invest!

The guy who doesn't have any money, the guy who's like "hey, I need to build my fund", how can he invest anything? You say: "Ah, are you going to invest R$50, R$100 per month? " It is worth it?

Or is it worth buying, I don't know, something that will generate some income for you? Buying a machine can be the same. I always say that investment is not meant to make you money, because these coaches love to talk, right?

"You're going to invest in the stock market, you're going to invest in cryptocurrencies, you're going to invest. . .

" I don't know. . .

Man, I don't really believe it. It is important to invest, only for those who are rich. The investment makes money.

For those who are poor, work brings money. You have to work to earn money. And the money you earn, you will start investing.

It's because the guy creates the illusion that he will be able to make money without working, just investing. Yes, but you invest R$100 per month, but you won't earn anything, old man. And that.

It's a long-term business. Up front you will achieve it, which is a goal. We talk a lot about investing for retirement, right?

In 15, 20 years, you will have good money there that will trickle into your account. I also think it's boring to think about retirement. Even more, the business is punk, right?

Think about INSS. So, what a person needs to have is constancy. You see that today there are many people who retire and have to continue working.

We have that illusion that: "Ah, when I retire I'll start enjoying life. " What way, old man? A minimum wage today.

. . 66% of retirees earn a minimum retirement wage, it's not worth anything, right?

So, are you going to stop? It never stops. Stop, die!

It won't stop. And I think it's really cool to help, to honor our father and mother, who worked their entire lives to support us. The teaching has to come!

There's no point in just babysitting your parents when you see how stupid they are. Father, mother, I will give you this money, but you have to understand that it is this, this and this. You have to spend less than you earn.

You have to be careful, you have to look for things on discount. I know people who, bro, their parents spend like there's no tomorrow and they ask for money all the time. Then you're encouraging them to dumb down or stay stupid, you know?

Teaching needs to come. This goes for mom, uncle, cousin, friend, whoever, right? Always.

. . Not that you have to help everyone.

So, take it case by case, right? But there's no point in supporting yourself without breaking out of that vicious cycle of mistakes, of stupidity that people commit all the time, right? Otherwise the person knows: "Man, I can do whatever stupid thing I want, my son will really give me money, right?

" Guaranteed? It's guaranteed! So, she said it like this: "You don't help.

" Uhm. "You teach. " That's just it, that's why it's like that, right?

There are cases that are complicated, right? Take a case where the mother is a widow, has no money, has worked little all her life and has a pension of 1,500. You're not going to ask your 70-year-old mother to make extra income, right?

So, there's a case. Selling paçoca at the lighthouse is like doing Uber. That's why I bring up this point: invest money so that in the future you don't depend on your children's money.

Like, the ideal is for the father to give the inheritance to his son and not for the father to depend on the money his son works for, right? So, I think it's cool for you to honor your parents. I really like to bless my parents whenever we can and such.

But not because they need it, because I have that pleasure, right? But you have to be careful with it, because otherwise it really becomes an addiction, right? Still making the same mistakes.

And each case is different. Sometimes your father and mother are unemployed, retirement is a minimum wage, they are sick. There's no way out, you'll have to help.

Now, there are fathers and mothers who mess up a lot with money. He takes the money from one son and the other son and not only messes up. Then you end up subscribing to, like, the lifestyle you the person is having.

The guys were saying that there are a lot of doctors who work up to 70, 80 hours , it's not because they love the profession, it's because if they stop, what are they going to live off of? You never made an investment, never built up any money, assets and created a level, a very expensive lifestyle, right? Dear!

It's because, then, it doesn't matter so much what you earn. If you are there with 20, 30 thousand on a credit card, in financing, you are as distressed as you are poor, right? Health insurance, insurance, because the guy has three cars.

Then the guy has three insurance policies, three IPVA, daughters and sons, grandchildren. . .

The guy has 30 thousand, but he says that 30 thousand is going, right? That's why I say it, right? What is poor, in my opinion?

Of course there is the issue of values ​​and such, but what is poor in general? It's the person who is completely in debt, who doesn't have any money in the bank and who works all month just to pay the bill. And there are doctors who are like this.

There are doctors who earn a lot of money, but are all in debt. He's twice as rich, right? It's the poor rich, true.

The guy earns 30 thousand, but he's full of debt, he doesn't have money invested and he works and does. . .

The guys were saying: "Bro, there's a doctor who works like 12 hours on call, on call, on call. " It's on duty 12 hours a week. For what?

To pay for so much stuff he bought. So what do I think is ideal? That's not the case for me, thank God, my parents are very good with this part of money, right?

It's not about showing off or doing a lot of nonsense. That is great. But if it's the case of someone at home, you'll say: "Oh, dad, mom, isn't it much better for us to pay off our debts, reduce the level, minimalism, simplicity, eliminate your debts so that you can start enjoy your salary?

" Animal, guys! Post it here in the comments. Did you like it?

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