How the consumption tax leaves you poor.
Respond quickly, what is the most cruel tax in Brazil?
The income? 27.5% on top of your gross salary?
The FGTS? That is nothing more than a direct steal of your salary by the state gang?
The INSS? What is nothing more than another steal straight from your salary to feed a financial pyramid that will crumble in your face?
Could be. And they are immoral (at least in Brazil). This everyone should know or at least have the job of looking into investigating. The fact is that the Brazilian midfielder only cares about getting your net salary and consume, preferably all of it, or even a bit more than him, and if possible parceling without interest or interest or financing goods that could not buy the View, becoming hostage to credit card operators, financiers and banks.
Luckily I’m not part of this group of people who act like this (do not come with explanations or social lucubrations – you can ALWAYS live with LESS than what you get). And also fortunately I do not write and I did this blog for this type of person to read, because it simply does not help.
This type of education has to seek, fight, read, achieve, want, search and much more than that, you have to live it, because this is what the system will never give you, because this is the food of the System does not want you to turn against it, this is very simple. Who would support banks, financiers, brokers, money lenders and credit card operators? Almost nobody.
The reader may not comment, but I have the presumption of already knowing what a large group of people who can read this text will disagree with me vehemently, I have blog statistics, I know average visitors per day, week, month, and Year, most accessed times, and everything else, and I know it is difficult to assume this, first because of inability to recognize one’s mistake, second by denial, third by arrogance, and fourth by incompetence, exactly why the reader may not agree with this article , Be frank, you do not have to want to convince me of something that my experience has shown me dozens of times.
Each person has a set of assets in life, personal, family, spiritual, material, financial and other more particular things like life experiences. It is up to each one to study, reflect and recognize the assets that already have in hand and those that can conquer with study, dedication and hard work.
Do you know one of the biggest assets I have in life and what I always have? It was that he was born poor. My childhood was poor (and happy for the most part) – the child itself does not need money or material goods to be happy, I was happy with very little and my brothers too.
My family was united for a time, then my parents separated and the standard of living dropped even more, then my brothers left the house, and my mother and I remained. I do not want to have to be flogged here, even because it does not make sense in an anonymous blog where you do not even have google adsense and will not have, so your friend has an idea I’ve already had lunch and had rice with tomato sometimes, or rice with egg, Juice sometimes only of acerola that I harvested from the feet of acerola in the yard of house, guava also, papaya also. The trajectory of poverty to wealth is not impossible, even more so in capitalism where opportunities are there for everyone, just a PC with internet or a smartphone that you have the world in your hands.
Let’s get to where I want, Living Well, so to speak, by my experience and by everything I’ve seen in my 3 decades of life, the central point of this post is: Who lives badly, lives anyway, Two thousand, five thousand, ten thousand, twenty thousand reais per month. It’s quite simple. Especially people who think consumption = happiness, a grotesque mistake. I have been happy earning 500 reais a month, and I can say that I am no happier earning 15 thousand reais a month, never had a relationship, I have been unhappy gaining much more and I have been happier than anything by earning something very average but having a Life to call my own.
And where does consumption tax come in? The title of the post?
Simple, assume that in Brazil things have a 50% tax!
I go further, assume that in Brazil things have between 60-80% tax. Simple.
What is the easiest way to make money? Saving up.
Have you ever seen that phrase “Every penny saved is a penny earned?”
No sentence is as correct, easy, and simple as that.
Do you know the tax for drinks, cigarettes, cosmetics, makeup? 80%
Do you know the tax for meals outside the home, restaurants, bars? 40%
Do you know the tax to buy cars? 50%
Do you know the tax to buy medicine, food, hygiene supplies? 45%
Do you know the tax on electronics, computers, tablets and cell phones? 50-80%
How will I get rich and independent paying so much tax?
Well, if you’re smart you’ll answer that you’re going to have to pay less taxes and bring in more money on your investments to escape the poverty trap.
Some of you will not be able to escape because the state gang is very efficient at stealing you, they are the first ones I quoted. Others (most) you will choose to pay, it is a conscious and deliberate decision yours, daily, and that you choose to have daily or not.
I’m going to get rich buying zero km car? (Paying 50% tax)
I’ll get rich by buying a car of 80 thousand reais (divided into two 40 thousand tickets, one you pay for the store, another you imagine paying for the state gang).
Worse, will you get rich by paying 50% of a new car tax every 3-5 years?
Are you going to get rich by spending lunch and coffee in the morning every day outside the house leaving 40% of your money to the gang? (Divide in two tickets – this mental technique I created for myself).
Are you going to get rich by switching your cell phone, tablet, PC and etc every time you launch a new one and your friends at work change? Paying 50% of taxes and throwing your electronic in the trash or donating or selling at the banana price?
You’ll get rich going to happy hour, ballads, bars etc every week, two days a week, Friday, Saturday, Sunday and leaving 40% of the state gang account.
Do you love the government of Brazil so much to leave all your money to it, consuming useless things and staying in poverty to support this superior caste?
Well, I hope if you’re not a civil servant your answer is a big NO!
Want a practical example to illustrate? Come on. Your boss is willing to spend $ 10,000.00 gross with you because you are a fucking employee.
R $ 10,000.00
– INSS R $ 1100,0
– Income tax R $ 2750.00
– Health plan $ 450.00 (it does not matter if the boss says that he “gives” the plan he counts it as his expense.
– FGTS $ 800.00 (it does not matter if “the company that pays” to the boss this goes in its cost)
(I even hope that you are not so retarded that you think that the FGTS, INSS and your health plan is the company that “pays”, I hope EVEN.
R $ 4900,00 liquid and clean in your hand. The state gang HAS ALREADY STOLEN THE REST.
Let’s be clear here: On the face of it the government will steal you 50% before your money reaches you.
You will get 50% if you spend everything (which is what the majority of the population does – the government will have stolen 75% of your tax income), you will not get rich NEVER paying 75% of taxes to the government. NEVER EVER !! KNOW WHAT IS NEVER? Great.
If you invest 25% of your GROSS income, you may one day get rich, if you stay alive until then you will, yes, you will fatally get rich, it’s the fate of mathematics and compound interest.
Let’s continue, you got $ 4900 of liquid in hand to do what you want and your boss spent $ 10,000 with you, and I hope you’re worth it for him to spend $ 10,000 with you.
Let’s say you’re a frugal guy just like I’m a frugal guy and spent $ 2500 to keep up the whole month, there’s $ 2400 left for you to bring, congratulations! Excellent! (But you know you paid a whopping $ 1250 tax to the 2500 gang you spent, anyway.) Those 1250 that the gang stole never again will see the color as they were embedded in all taxes on the products you paid for.
Scenario 1: Spent 2500, paid $ 1225 of CONSUMPTION tax to the gang and contributed 2400 in the direct treasury, for example, gaining net 12% pa Ok.
Scenario 2: Spent R $ 4000, paid R $ 2000 CONSUMPTION tax to the gang and contributed 900 reais in TD gaining 12% pa Ok.
Difference of R $ 1500,00 in the contribution.
Look at the photo1 above, which I did in Excel for you, the difference of R $ 1500.00 and what it caused: in scenario 1, working from 30 to 56 years, contributing 2500 reais monthly, you reached the million with 56 years of Age which will give you an income between 8-16 thousand reais monthly depending on the interest rate of the investment that I placed on the left side of 1-1.2% monthly which is more or less what the Direct Treasury is paying at that time and Considering that your salary and your contribution will accompany the fictitious inflation of 10% pa and your boss will be legal and correct your salary also at 10% pa
Here in scenario 2 with your contribution of R $ 900.00 due to your higher expenses (less frugality and more consumption taxes for the state gang) you will only reach the million at the age of 79 already old and consumed, worried, bad Health and even having to contribute those R $ 900 per month there. Do you think you can stand this long? Who will pay your retirement? The government? The INSS? A bank? Do not make me laugh. Oh really.
Do you see newspapers, pensioners full of bills in hand, with the pensions being cut, delayed, parceled, no health, unable to pay the health plan, often having to support children and grandchildren? Do you think it can not happen to you? Do you think you have control over your children and grandchildren? There will not be any. Where do you think the Brazilian pension system is going? I think he’s just going to screw up the old folks more and more, and who has not joined his own retirement money himself.
What can you and your friend do to defend yourself against state robbery and get rich?
Stop smoking, stop drinking, stop buying alcohol, stop spending money on nightlife, bars, restaurants, stop wanting to buy a new car, spend a little money on clothes, stop switching your cell phone like a retard You do not need iPhone).
If possible cook at home, spend the basics in the supermarket, go from bike to work or use more to bike, buy used car, turn around little, walk, take food from home to work, arrange simple things to do at the weekend , Read, walk in the park, play with your children if you have, see a netflix at home, do not go to the movies, go jogging, do free things, go talk at the home of a friend or family that you like and have intimacy. CUT your cable TV, stop watching TV that is nothing more than trash. Every real saved is gold, is a soldier working for you, is a slave building his little castle. Do not go around giving your soldiers and slaves to corporations and mainly corrupt governments.
If you think that you will only be happy living in this world of consumption and taxes I feel sorry for you. True happiness and freedom is on the other side of this, but you do not see, because the system does not want you to see, everyone wins on the spin, on their purchase, the world yearns for their money. I’m not even 30% from where I want to go, but I can assure you that I already feel the wind of freedom touching my face, I can smell freedom even though I still have a lot of work to do, but once there I will never come back This side of the world, of doubt, worry and sudden despair.
What are the habits of millionaires?
The answers you can find in two books: The millionaire lives next door and also the “The secrets of the millionaire mind”.
What is the main point here? DIMINISH YOUR CONSUMPTION TO THE MAXIMUM. Stop being hostage to the world of consumption and empty people, free yourself!
WAKE UP DRONE PEOPLE!