Featured · Financing
Price or SAC — how Brazilian mortgages really differ
Same loan, same rate, and a R$ 269k difference in total interest. Where it comes from, and when each system makes sense.
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Articles
Making sense of your own money
Income tax in two countries, financing, budgeting and net worth — explained with numbers, not magic formulas.
Income tax
FBAR: the form for anyone living in the US with an account in Brazil
If your accounts outside the US added up to more than $10,000 on any day of the year, the US government wants to know. What the FBAR is, who files it, how to do the math, and why forgetting it is expensive.
Budgeting
Pay yourself before anything else
How much to set aside, on which day, where to send it — and what to do when your income changes every month. A practical guide to treating your own future as the first bill.
Budgeting
A budget starts with net worth, not with what's left over
Why "save whatever is left" almost never works, and how to build the month with your contribution as the first bill you pay.