QUANTO VOCÊ DEVE INVESTIR TODO MÊS? (Métodos para Dividir seu Salário - Vídeo para quem É POBRE)

Summary

In this video, the speaker emphasizes the importance of consistently investing money each month to achieve financial independence and wealth. Various budgeting methods are introduced, including the 70/30, 70/20/10, 50/30/20, 50/10/10/10, and 60/20/10 models, each offering different approaches to managing income. The core message is clear: prioritize investments while balancing essential expenses and personal enjoyment. The speaker encourages viewers to simplify their financial lives, cut unnecessary costs, and invest as much as possible without neglecting essential needs or life’s pleasures. The video aims to inspire smarter financial decisions for long-term success.

Takeaways

• 😀 Investing regularly is essential if you want to change your life and achieve financial freedom.
• 😀 The 70/30 method divides your salary into 70% for living expenses and 30% for investment.
• 😀 The 70/20/10 method suggests allocating 70% for essential expenses, 20% for non-essential pleasures, and 10% for investing.
• 😀 The 50/30/20 method splits the salary into 50% for essentials, 30% for non-essentials, and 20% for investments.
• 😀 Essential expenses are those you cannot live without, like housing or health insurance. Non-essentials are luxuries like Netflix or dining out.
• 😀 The 50/10/10/10 method encourages allocating 50% for essentials, 10% for fun, 10% for donations, 10% for self-improvement, and 10% for investments.
• 😀 The 60/20/10 method suggests 60% for essentials, 20% for enjoyment, and 10% for both future and general investments.
• 😀 If none of these methods fit your situation, the key is to invest as much as possible while ensuring you pay your bills and enjoy life in moderation.
• 😀 Reducing debt is critical to freeing up more money for investments, so prioritize paying off your liabilities.
• 😀 You can enjoy life without spending excessively by finding inexpensive alternatives, like enjoying free activities or low-cost entertainment options.

Q & A

Why is it important to prioritize investing in your life?

Investing is key to changing your life and becoming wealthy. If you don't start investing regularly, you may never be able to achieve financial growth or wealth. It is crucial to make investing a priority in your life to change your financial future.

What is the 70/30 method for managing salary?

The 70/30 method suggests that 70% of your salary should be allocated to everyday expenses, while 30% should be invested. For example, if your salary is R$3,000, R$2,000 is for living expenses, and R$1,000 should be invested.

What does the 70/20/10 method involve?

The 70/20/10 method, inspired by 'The Richest Man in Babylon,' involves allocating 70% of your salary to essential living expenses, 20% to non-essential but enjoyable expenses (like dining out or entertainment), and 10% to investments.

How does the 50/30/20 method differ from the 70/30 method?

The 50/30/20 method allocates 50% of your salary to essential expenses, 30% to non-essential but enjoyable expenses, and 20% to investments. Unlike the 70/30 method, this gives a higher proportion to investments.

What is considered an essential expense versus a non-essential expense?

Essential expenses are necessary for survival, such as housing, food, and healthcare. Non-essential expenses are discretionary, like entertainment subscriptions or dining out, which aren't critical to survival.

What is the '10% rule' when it comes to investing?

The '10% rule' suggests that you should invest the maximum amount you can without sacrificing your essential expenses or personal enjoyment. The goal is to save and invest as much as possible while maintaining a balanced lifestyle.

What is the purpose of insurance in financial planning, as mentioned in the script?

Insurance, such as life insurance, is an essential expense for those who support their family. It protects against unexpected events that could leave your family financially vulnerable. It's seen as a necessary investment in your future security.

What is the 50/10/10/10 method?

The 50/10/10/10 method splits your salary as follows: 50% for essential expenses, 10% for leisure, 10% for donations or charity, 10% for investing in education (courses, books, etc.), and 10% for long-term investment, like retirement savings.

What is the 60/20/10 method of salary management?

The 60/20/10 method allocates 60% of your salary to essential expenses, 20% to non-essential spending, and 10% to investments for long-term goals like retirement. The remaining 10% can be used for flexible investments like stocks or crypto.

Why is it important to limit unnecessary spending for better investment outcomes?

Limiting unnecessary spending allows more funds to be directed toward investments, helping you grow your wealth. The less you spend on non-essential items, the more you can invest, speeding up your path to financial independence and security.