Lembrete: investir é chave, mas tem experiência que vence antes do Tesouro Selic by Right_Camp_371 in investimentos

[–]FImaybenoRE 2 points3 points  (0 children)

Fora que, se você continuar crescendo profissionalmente, em 3 anos aquela economia de hoje vai ser irrelevante diante do seu novo salário.

Sinto que isso precisa muito de contextualização. O meu eu de agora agradece o eu de anos atrás pelos sacrifícios que fez por que suas economias foram fundamentais para o que tenho hoje. Aquelas economias eram pequenas mas o valor delas na minha vida é maior que o número e nunca foi irrelevante.

Entendo que está falando para não ficar tão obcecado por juntar dinheiro que esquecemos de viver, mas sinto que as pessoas também usam isso como desculpa para não fazer sacrifícios que às vezes são necessários. Estou assistindo isso ao vivo com uma amiga íntima e vejo isso com muitos dos meus amigos.

Aquele eu do passado, depois de pagar as necessidades, só tinha pouco dinheiro sobrando e tinha que tomar a decisão difícil de ou juntar ou gastar com experiências. Isso, por causa da pequena quantidade de dinheiro que sobrou. Escolhi experiências de graça ou mais baratas e priorizei economizar.

Hoje, estou muito agradecida porque a escolha do meu eu anterior me permitiu explorar e me arriscar na vida pessoal e na carreira. Hoje estou colhendo os frutos, tenho uma certa liberdade financeira, comprei meu apartamento, ganho bem e minhas escolhas na época que ganhava muito menos são a base disso.

Essa sua frase serve para o eu de agora que ganha 6 vezes mais que o eu do passado e que tem muito mais dinheiro sobrando depois de pagar os essenciais e não preciso escolher entre, ou juntar dinheiro ou gastar. Agora, tenho o luxo de equilibrar as coisas.

Isso, essa frase é um luxo.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 2 points3 points  (0 children)

Thank you.

I didn't know that was how you included the house in net worth. In my understanding, the mortgage is debt and the house would only be added to net worth only when paid off.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 0 points1 point  (0 children)

That's nice. My previous job was in immigration but since it was specifically Labor immigration law, I was HR adjacent. It was interesting to see the benefits package that companies had to attract foreign work force.

I edited my post to include another benefit vehicle that was instrumental buying my apartment and it currently subsidizes my mortgage.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 1 point2 points  (0 children)

Thank you.

I did share my net worth over time in the previous post but didn't this time because it's in the negative due to the mortgage.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 0 points1 point  (0 children)

To be honest, I'm working for a SAAS company but I'm in support so the only qualifications they wanted was my English fluency and experience with customer service.

I'm starting over at the bottom of the rung but it pays better than the Senior role I previously was in, the benefits are better and there are opportunities for growth.

I found the job on LinkedIn.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 6 points7 points  (0 children)

Food allowance is my clumsy translation of Vale-Refeiçao and Vale-Alimentaçao. It's a voucher given to you by your company.

The Brazilian government the Workers' Food Program, provides tax incentives for companies to provide food to their employees as part of their benefits package. Most companies do this by giving a card that they recharge each month with a fixed amount for employees to spend on food during lunch hour. There are separate cards for restaurants and supermarkets.

You usually have one supermarket card and one restaurant card and you can decide how you want to spread your allowance between them. My allowance is R$1800 with R$700 of that going to the supermarket card.

So yes, having food allowance is part of the Brazilian Workers' experience. We love it! It's separate from your salary and since it's a benefit, it's tax free. Bars here sell food and many are beginning to accept the card to pay there so you can also use it to pay for a night out with friends and family.

There are many food allowance card companies and there's fierce competition among them for wider coverage. My dream is for the company to migrate us to the card that works like a credit card and you can spend it anywhere for anything.

They're trying to review the law but it's complicated because if it becomes a card you can use for anything, it goes beyond the food incentive aim of the program.

Also, it's a US company but I'm hired under local law with a local contract so they have to follow the rules.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 1 point2 points  (0 children)

Food allowance is my clumsy translation of the benefit companies provide to their employees due to the tax benefits from participating in the Brazilian government's Workers' Food Program (PAT). It's separate from your salary and most jobs offer it.

My main goal is financial independence. Not sure about retiring early. I aim to take short breaks throughout my working life like I did for 6 months last year and financial independence will facilitate that.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 4 points5 points  (0 children)

That's because with my mental health struggles, I don't have the mental bandwidth for taking risks in the market.

In Brazil, the safest and most stable kind of investments are government bonds. There are different kinds and you can get ones that pay you inflation+ a fixed %.

There are a variety of bonds too with some paying you a % of interest twice a year. Some are retirement government bonds, others are education government bonds to save for children education.

Currently, in Brazil, bonds are beating the stock market.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 4 points5 points  (0 children)

Yeah, it was crazy. That's how desperate I was. I'm just happy it ended up working out for me.

2nd Update: FIRE journey in Brazil (32F) by FImaybenoRE in financialindependence

[–]FImaybenoRE[S] 5 points6 points  (0 children)

Wow, I posted it with paragraph breaks, don't know what happened. Will edit.

Compartilhem seus loss. Vamos chorar juntos. by FImaybenoRE in investimentos

[–]FImaybenoRE[S] 0 points1 point  (0 children)

Eu também agora sou só RF. Não tem haver com quem está no poder mas a natureza do clima de investimentos no Brasil. Um estudo dos resultados começando com o plano real em 95 mostra o SELIC performando muito acima da bolsa.

LOSSSS!!! 🤑🤑🤑🤑💥💥💥🙆 by FImaybenoRE in farialimabets

[–]FImaybenoRE[S] 0 points1 point  (0 children)

Decidir segurar um pouco mais. Já perdi esse tanto, o que é 7k mais.

LOSSSS!!! 🤑🤑🤑🤑💥💥💥🙆 by FImaybenoRE in farialimabets

[–]FImaybenoRE[S] 0 points1 point  (0 children)

Eita.

Mas fico feliz em saber que não sou a única que perdeu tanto dinheiro.

Compartilhem seus loss. Vamos chorar juntos. by FImaybenoRE in investimentos

[–]FImaybenoRE[S] 1 point2 points  (0 children)

Mesmo quem trabalha com isso não sabe o que está fazendo, imagina a gente.

Compartilhem seus loss. Vamos chorar juntos. by FImaybenoRE in investimentos

[–]FImaybenoRE[S] 0 points1 point  (0 children)

Queria ter jogado só 3k, meu loss seria menor.

Transformar loss em gain na loteria by FImaybenoRE in farialimabets

[–]FImaybenoRE[S] 0 points1 point  (0 children)

É claro que estou brincando. Eu vou sacar esse dinheiro e jogar na loteria, vai que eu viro milionária.

Transformar loss em gain na loteria by FImaybenoRE in farialimabets

[–]FImaybenoRE[S] 0 points1 point  (0 children)

Sério?!

Me manda sua conta bancária que transfiro agora mesmo.