Today the muse of the blog celebrated!
Long live Freedom! Long live capitalism!
“Financial Life” – That’s the kind of thing almost nobody teaches us, not even our parents, and even more if they have low income. My situation I think is the overwhelming majority of people my age who were born between 1980 and 1985, children of parents with little study and grandson of farmers or people coming from the interior.
This type of person lives day after day, without much study or preoccupation with a distant future, I have the impression that life was easier at that time, people and families helped each other more and the government stole less in terms of taxes, In order to have an idea in the 80’s, the government only took 20% of the Brazilian GDP into his pocket, nowadays we are at 50% and continue to increase the tax burden.
In fact, I’ve never had a college degree in any college or college (my area is health) -not even offered something like this or optional subject. No one from the Matrix wants to teach you finances at most teach “personal finances” whatever that may be, I find the theme very basic and a lot of cake type recipe “break your credit card, pay the whole bill, do not ask Loans at the bank, “staff frankly this is much more than the basics. If you do not understand what money is, it will be lost forever.
You have to overcome the system philosophically, you have to understand how the system works and you have to learn to be a system worker and not just a pawn on the chessboard or a clock gear. Reflect on your environment. Think of people’s homes. Think about how they buy houses, cars, furniture, think about how they live a life of empty consumerism, money thrown in the trash in restaurants and ballads. Why do you think people love to change furniture to impress neighbors and friends?
I really have no idea, I’m not my stuff, they have nothing to do with me. These days a friend of mine told me that he is spending $ 40,000 to “automate” his house, I did not even know what it was, he explained that they will put an iPad on the wall where he presses and so extinguishes and turns on the light, And he can also turn on the air conditioner BEFORE arriving home, or you can turn on the hot tub BEFORE you get home. His eyes flashed. I said that when I finished the work I would call there to see (also after spending 40k and no one sees is does right?) Honestly, I could not fail to see that this did not encourage me a little more than before.
Do you realize where you’re going to give it all? The guy will have to work 2 full months of his year just to pay for this light bulb and iPad to have a more colorful and technological house, putting these 40,000 in the direct treasury and guarantee a better retirement from 2035. See the Life is made of choices. If you choose to work harder to STOPPING THINGS, TRANSFORMING YOUR CAR like an idiot just because your car “got old”, “will start to give trouble,” do you seriously fall for that car salesman talk? Do not you realize you’re trading your youth for things?
The most precious good of your life is your time. From there he moves to a big house, fills up all the rooms in sections, finances there in the Bahia houses, he earns a registration card of the new SUPER TV of 50 inches (two or more, there are people who put ONE TV FOR THE COST!), The Home-Theater, that cool fridge to put in the room, now also has a freshness of spending money on wines and cheeses and be a gourmet beer lover or give 25 reais in a long neck of Bulgarian beer that in Bulgaria costs 50 Euro cents. Is it logical?
WHY BUMPER STICKERS? YOU ARE NOT YOUR THINGS!
YOU ARE NOT YOUR CAR, YOUR HOME, YOUR CLOTHES, YOUR WATCH, YOUR TV, YOUR BREED PUPPY. YOUR THINGS ARE ONE THING, YOU ARE ANOTHER THING!
YOU DO NOT BELONG TO YOUR THINGS! THE CONTRARY IS THE REAL! DO NOT BE REACHED!
Do you really think you will get to where THE MAJORITY NEVER come, copying them? Eating in the same restaurants? Buying clothes and more clothes with credit card in designer stores? Exchanging cars, buying ZERO KM cars (I will not even comment)? If everyone was right they’d all be rich, right? Doing trips back and forth to Chile and Argentina to post on Facebook and Instagram? I know people who left here to spend four days in Paris and come back. FOUR DAYS IN FRANCE, THREE NIGHTS !! Spend 8 thousand reais (a couple) to sleep 3 days in a hotel in Paris and drink wine (as if there was no wine here too!).
If they were right they would be living on income, right? If they were correct, they would travel for no date to return, right? Do you think you will get rich or independent with 6 airfare installments on your card funded at 6x interest-free? Who do you think fools? You came into the world to sustain the financial industry of interest, and to pay interest on top of the egg-bread you eat every day. The individual is guilty. All are individually guilty. If there were no such supply of money the cars would be cheaper, the houses would be cheaper, the colleges would be cheaper, EVERYTHING!
The problem is that the money pouring into the system generates false wealth and a lot of debt, so everything you have is funded, from your Renner-funded sock to your home (in 30 years) and your car (in 5 years) [And you will trade BEFORE you finish paying]. It’s all crazy friends. You have to move away from the Matrix. The Matrix is interested. The Matrix is consumerism, it’s a trinket, it’s a bar bill, it’s expensive family pros present, it’s lack of financial reserve, it’s to pay part of the card’s bill for a life above its standard. I tell you one thing, or you lower your standard of living now, or you’re dead. I can live with 30% of what I earn and I will decrease even more. AND DO NOT COME TO SAY THAT I GAIN SO MUCH. NEVER BEEN SO.
My friends, there are people in my same job who have been working for 20 years and ASKING ME FOR LOAN MONEY! Did you realize? I’ve already despaired of this, I spent nights in the clear. As well? Is that what I came here for? In 25 years after A LOT OF WORK, I’ll be borrowing money from rookie single THAT JUST ENTERING THE COMPANY? AND IT’S NOT JUST A PERSON, IT’S VARIOUS!
If you do not turn around, you’ll end up making 2,000 reais a month, 5 thousand, 10 thousand, 15 thousand or 20 thousand. Always you will want to raise the standard of living as a retard, in a spiral that never ends, this is the true inflation of lifestyle!
EARN MONEY A LITTLE MORE PER MONTH WILL NOT SOLVE PROBLEM NO. THE PROBLEM IS WITHIN YOUR HEAD, UNDERSTOOD?
IF YOU THINK A WAGE INCREASE WOULD RESOLVE YOUR LIFE, YOU ARE ABSOLUTELY WRONG!
Are you going to buy a designer shirt for 200 reais? Does not fit with garbage belt, right? Buy a belt of 200 reais. Does not match garbage clock right? Buy a real 2000 watch and the trousers of 450 reais. This whole set does not match a normal cell phone that connects and has an alarm clock, it has to be iPhone 6s BIG EXTRA PLUS.
Now tell me if with all this you arrive in a 2000 Honda Civic that costs 11 thousand reais (but that is better than a new Palio or Gol). Of course not, right? If it is going to be beautiful, ask for a nice car too, send it to a Corolla 2017 (even if we are still in 2016) who cares? Now you walking aligning and ZERO car will not live in any hassle right? So either you rent a decent ap in the patriot neighborhood or you fund it there in the Box in 30 years and pray every night to not get fired and pay all that or if you’re a civil servant you’re going to have to cry every year on strike and cheer for President to authorize increase at least equal to inflation (because above inflation only Judge and deputy right?) Seriously – if you are to function and not spares, neither invests or contributes I have even much pity on you, although you will not starve to death can Have significant declines in their standard of living over the years.
And if you work in the private sector just like me and you do not spare or contribute – YOU ARE REALLY A KAMIKAZE and the good ones. The inconsequence has an ABSOLUTE PRICE! AND NOT ALWAYS GET YOU WILL PAY. You have no idea what you’re actually doing, and seriously, do not be proud of it, one day the fall comes, and with it goes away your family, your wife/husband, the shame comes, low self-esteem, The vices, the crimes, the separation and then you get lost even in life. Did you imagine you were unemployed for 12 months? What about 24 months unemployed? What beauty, huh?
Learning finance, reading books and blogs, working, saving, investing, investing, being interested, it’s not utilitarianism, it’s not going there fishing, people do not give proper importance to the theme because they really are crazy and do not know, live in the Razor, at the mercy of fate, of days, of time, of the will of others and of the humor of the boss or the economy. If you got here, CONGRATULATIONS, I assure you that it is better than 90% of the Brazilian population.
Your financial life begins when you know what you are and where you want to go and start working and changing your lifestyle because of this, to draw up and follow a plan, a coordinated strategy designed to achieve an end, it is as if It was a battle of war, a military operation, put your army on the field and go ahead without looking back, what passed has passed, now it’s time to learn and grow in every way and to be a better person, more prepared, more Just and honest, hardworking and REALISTIC. That’s how it starts, with TWO FEET ON THE GROUND and head in place.