FAÇA ISSO SEMPRE QUE RECEBER SEU SALÁRIO | Como organizar suas finanças e guardar dinheiro?

Summary

This video offers a practical guide to personal finance management, focusing on budgeting, saving, and investing. The speaker suggests allocating income across various categories: 55% for basic needs, 15% for financial freedom (investments), 10% for stability (emergency funds and insurance), 10% for education, and 10% for leisure. The importance of balancing spending on necessities like housing and transportation with investment for future financial freedom is emphasized. The speaker also highlights the value of continuous learning and self-improvement, and ultimately, the goal is to achieve a sustainable financial future that allows for work by choice, not necessity.

Takeaways

• 😀 Financial freedom should be a priority, with 15% of your income dedicated to investments aimed at long-term wealth and passive income.
• 😀 Stability comes next, with 10% allocated for emergency funds and insurance, ensuring you're financially protected in case of unforeseen circumstances.
• 😀 55% of your income should go towards basic needs, including essential expenses like housing, transportation, and food, which cannot be eliminated but can be reduced.
• 😀 Housing and transportation are the biggest financial factors within basic needs. Living closer to work or using public transport can save money and time.
• 😀 Leisure is also essential; 10% of your income should be spent on activities that bring joy, such as travel, hobbies, and entertainment.
• 😀 Education is an important investment, with 10% of your income allocated to personal growth through books, courses, or professional development.
• 😀 Investment in education can directly lead to financial returns, especially when it relates to professional skills or financial literacy.
• 😀 Prioritize the allocation for investing first, then manage the rest of your budget with the remaining 70%, ensuring you don't fall into debt.
• 😀 Building long-term wealth requires consistent investing, with the goal of reaching financial independence and not working out of necessity but choice.
• 😀 Creating a financial plan that includes both leisure and education investments will help you balance fun and personal development, enriching your life in both aspects.
• 😀 Adapt the financial advice to your own situation, but always ensure that investing a portion of your income is a non-negotiable step towards securing your financial future.

Q & A

Why is it important to have 15% of your budget dedicated to financial freedom?

The 15% allocated to financial freedom is meant for investments that help build long-term wealth, such as stocks, real estate, or other income-generating assets. This money helps in creating passive income that can provide financial independence in the future.

What should be considered when building an emergency fund or setting aside money for insurance?

The 10% allocated to emergency funds and insurance ensures you are financially protected during unexpected situations. This reserve helps cover unexpected expenses like medical bills or job loss, while insurance provides protection against large, unforeseen costs.

How can people with different incomes manage their 55% allocation for basic needs?

Regardless of income level, the 55% for basic needs should cover essential expenses like housing, food, transportation, and clothing. People with higher incomes can more easily meet these needs, while those with lower incomes might have to be more mindful of spending, possibly opting for affordable housing or public transportation.

Why is it difficult to cut back on certain expenses in the basic needs category?

Basic needs, like food, shelter, and transportation, are essential for daily living and cannot be entirely eliminated. For example, while you can reduce spending on dining out or clothing, you still need to ensure that you are fed, housed, and mobile.

What is the key advice when choosing housing and transportation to stay within the basic needs budget?

The key advice is to find a balance. For housing, avoid overly expensive homes that strain your budget, and for transportation, choose a car or public transport that suits your needs without excessive costs. Proximity to work can influence the choice between cheaper housing with higher transportation costs or more expensive housing with less commuting time.

How does having a car impact your overall expenses in a big city?

In a big city, owning a car can add significant costs for fuel, maintenance, and parking. It's often cheaper and more efficient to rely on public transportation, biking, or walking, which can save money and time spent in traffic.

Why is it important to include leisure in your budget?

Leisure activities, such as vacations, hobbies, and entertainment, are important for mental and emotional well-being. Even though they may seem like non-essential expenses, they contribute to a balanced and healthy life, which is essential for long-term happiness and productivity.

How should you manage the 10% allocation for education in your budget?

The 10% for education is meant to improve your knowledge and skills. This could include formal education like university or training courses, but also informal learning like books or online resources. Investing in education can increase your earning potential over time.

What is the potential benefit of investing 25% of your income in assets or education?

Investing 25% of your income in assets or education allows you to accumulate wealth and increase your knowledge, which can lead to a higher income. Over time, investments such as stocks or real estate can generate passive income, allowing you to achieve financial independence.

What is the key takeaway regarding financial management in this script?

The key takeaway is to structure your budget in a way that supports both immediate needs and long-term goals. By allocating portions of your income to financial freedom, stability, basic needs, leisure, and education, you create a balanced approach that builds wealth while ensuring a fulfilling life.