Personal Finance from Zero: Brazil Edition
Free course on personal finance for Brazil. 19 lessons on banking, budgeting, saving, credit, investing, and taxes with PIX, Tesouro Direto, and INSS.
Whether you have never opened a bank account or simply want to understand where your money goes each month, this course is for you. We start from absolute zero and build your financial knowledge step by step, with real examples from the Brazilian financial system.
By the end of this course, you will understand how the banking system works, how to create and stick to a budget, how to build savings, manage debt responsibly, and start investing — all within the context of living in Brazil.
Money and Banking Fundamentals for Beginners
Understand how money works, how banks operate and earn profit, and how the Brazilian banking system is structured and regulated.
What Is Money? The Foundation of All Finance
Learn what money is, why it exists, how inflation erodes purchasing power, and how the Banco Central manages the Brazilian real's value.
How Banks Work: Profit, Fees, and Your Money
Understand how Brazilian banks earn profit from your deposits, how the Selic rate shapes lending, and what fees to watch for in every account.
Brazilian Banking: Banco Central, PIX, and More
Learn how Brazil's financial system is structured, from the Banco Central and CVM to FGC deposit insurance, PIX, and Open Finance.
Bank Accounts in Brazil: Types and How to Choose
Understand conta corrente, poupanca, conta salario, and conta digital in Brazil, plus how to choose the right account for your needs.
Neobanks in Brazil: Nubank, Inter, C6, and More
Compare Brazil's top digital banks including Nubank, Inter, C6 Bank, PagBank, and Neon. Learn which neobank fits your financial needs.
Budgeting and Expense Control Made Simple
Master practical budgeting methods, learn to track every real, and take control of your spending with tools built for Brazilian finances.
Why Budgeting Matters for Your Financial Life
Discover why budgeting is essential in Brazil's high-inflation context, where the average household's money goes, and how tracking changes everything.
Budgeting Methods That Work for Brazilians
Learn the 50/30/20 rule, zero-based budgeting, and envelope methods adapted for Brazilian income including decimo terceiro and variable pay.
Expense Tracking Tools for Brazilian Finances
Compare Organizze, Mobills, GuiaBolso, and Finthy for tracking expenses in Brazil. Learn to choose and set up the right tool for you.
Saving and Emergency Funds: A Practical Guide
Learn how to build a savings habit, create your emergency fund, and choose the best savings options available in Brazil.
The Habit of Saving: Psychology and Practice
Learn how to build a lasting savings habit in Brazil, overcome psychological barriers, and use automation to save consistently every month.
Emergency Fund: Your Financial Safety Net in Brazil
Learn how to build an emergency fund in Brazil, how much you need based on CLT vs PJ employment, and where to keep it for safety and liquidity.
Savings Options in Brazil: Where to Park Your Money
Compare Poupanca, CDB, LCI, LCA, and Tesouro Direto (Selic, IPCA+, Prefixado) to find the best savings option for your goals in Brazil.
Debt and Credit: Managing Money You Borrow
Learn how credit works in Brazil, manage debt strategically, use credit cards wisely, and compare loans to make informed borrowing decisions.
Credit in Brazil: Serasa Score and How It Works
Learn how credit scoring works in Brazil through Serasa, SPC, and Boa Vista SCPC, how cadastro positivo affects you, and how to build credit.
Credit Cards in Brazil: Parcelamento and Rotativo
Master credit cards in Brazil: understand parcelamento, avoid the rotativo trap, compare anuidade costs, and learn the golden rules of card usage.
Debt Management: Strategies to Get Out of Debt
Learn debt management strategies for Brazil including Feirao Limpa Nome, renegotiation tactics, Procon rights, and the superendividamento law.
Loans in Brazil: Consignado, Financing, and FIES
Compare personal loans, emprestimo consignado, financiamento imobiliario (SFH and SFI), and FIES in Brazil. Learn when borrowing makes sense.
Investing and Growing Wealth in Brazil Today
Learn investing fundamentals, explore Brazilian options like Tesouro Direto and B3, plan retirement with INSS, and understand taxes with Receita Federal.
Investing Basics: Risk, Return, and Compounding
Learn investing fundamentals for Brazil: risk vs return, compound interest, renda fixa vs variavel, CDI benchmark, and your investor profile.
Investment Options in Brazil: A Complete Guide
Explore Brazilian investments: Tesouro Direto, CDB, FIIs, stocks on B3, BDRs, and ETFs like BOVA11 and IVVB11. Build your first portfolio.
Retirement Planning in Brazil: INSS and Beyond
Plan your retirement in Brazil: understand INSS benefits and the teto, compare PGBL vs VGBL previdencia privada, and calculate how much you need.
Taxes in Brazil: IRPF and Receita Federal Guide
Understand Brazilian taxes: IRPF income tax, Receita Federal filing, carne-leao for freelancers, DARF payments, and come-cotas on investments.
Intermediate Financial Planning in Brazil
Take your finances to the next level with insurance, real estate, tax optimization, side income management, and long-term financial goal setting in Brazil.
Insurance Essentials in Brazil: What You Need
Understand health insurance through SUS and planos de saude, auto, life, and home insurance in Brazil. Learn what coverage you actually need and what to skip.
Renting vs Buying a Home in Brazil
Compare renting and buying in Brazil: understand financiamento imobiliario, FGTS for first home, Minha Casa Minha Vida, SAC vs PRICE, ITBI, and real costs.
Tax Optimization Strategies in Brazil
Optimize your taxes with Receita Federal: choose between declaracao simplificada and completa, maximize deductions, understand investment taxes, and use PGBL.
Side Income and Freelancing in Brazil
Master side income in Brazil: register as MEI, understand DAS contributions, issue nota fiscal, use platforms like iFood and Mercado Livre, and scale with Simples Nacional.
Financial Goal Setting for Brazilians
Set and achieve financial goals using the SMART framework in Brazil: build your reserva de emergencia, plan for a home, invest for retirement with PGBL/VGBL.
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