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Can I move my 401k from my old company to my new 401k?

Friday, April 17, 2026

Yes - in most cases you can move your old 401(k) into your new employer's 401(k), and this is called a 401(k) rollover.
Your main options
When you leave a job, your old 401(k) usually gives you 3-4 choices:
1) Roll it into your new 401(k)
If your new employer allows it, you can transfer the balance directly.
This keeps everything in one account, which is simpler to manage.
It keeps the money tax-deferred.
2) Roll it into an IRA (Individual Retirement Account)
Often gives you more investment options than a 401(k).
Still tax-deferred.
3) Leave it in your old 401(k)
Allowed if the balance is above a certain threshold (varies by plan).
You just can't contribute new money to it.
4) Cash it out (not recommended in most cases)
You'll likely pay income tax + a 10% early withdrawal penalty if under 59�.
Important things to check before rolling into your new 401(k)
Not all plans accept rollovers, so you should confirm:
Does your new 401(k) accept incoming rollovers?
What are the investment options and fees compared to your old plan?
Will you lose any special features (like low-cost index funds or Roth options)?
When rolling into your new 401(k) makes sense
You want everything in one place
Your new plan has low fees and good investment options
You prefer simplicity over more control
When an IRA might be better
You want more control and more investment choices
Your new 401(k) has high fees or limited funds
If you want, tell me:
your old plan provider
your new employer plan provider
and I can help you decide the best move specifically for your situation.
Yes - in most cases you can move your old 401(k) into your new employer's 401(k), and this is called a 401(k) rollover.
Your main options
When you leave a job, your old 401(k) usually gives you 3-4 choices:
1) Roll it into your new 401(k)
If your new employer allows it, you can transfer the balance directly.
This keeps everything in one account, which is simpler to manage.
It keeps the money tax-deferred.
2) Roll it into an IRA (Individual Retirement Account)
Often gives you more investment options than a 401(k).
Still tax-deferred.
3) Leave it in your old 401(k)
Allowed if the balance is above a certain threshold (varies by plan).
You just can't contribute new money to it.
4) Cash it out (not recommended in most cases)
You'll likely pay income tax + a 10% early withdrawal penalty if under 59�.
Important things to check before rolling into your new 401(k)
Not all plans accept rollovers, so you should confirm:
Does your new 401(k) accept incoming rollovers?
What are the investment options and fees compared to your old plan?
Will you lose any special features (like low-cost index funds or Roth options)?
When rolling into your new 401(k) makes sense
You want everything in one place
Your new plan has low fees and good investment options
You prefer simplicity over more control
When an IRA might be better
You want more control and more investment choices
Your new 401(k) has high fees or limited funds
If you want, tell me:
your old plan provider
your new employer plan provider
and I can help you decide the best move specifically for your situation.
Link: https://easy2invest.org/article/3574/can-i-move-my-401k-from-my-old-company-to-my-new-401k

Small changes and big financial wins

Thursday, April 16, 2026

When people think about improving their finances, they often imagine big, dramatic changes-landing a higher-paying job, making a perfect investment, or building a six-figure portfolio overnight.
In reality, most financial success comes from small, consistent decisions.
Below is a practical list of everyday money wins that real people are using to improve their financial lives. None of these requires advanced knowledge or high income-just awareness and action.
1. Building a Long-Term Savings Plan
One of the most impactful steps is simply having a plan.
Sitting down with a partner (or even just yourself) to define goals-like an emergency fund, home purchase, or retirement-creates direction. Without a plan, money tends to disappear. With a plan, every dollar has a purpose.
Why it matters:
Clarity reduces stress and increases consistency.
2. Cutting Unused Subscriptions
Monthly subscriptions are easy to forget and quietly drain your finances.
Streaming services, apps, memberships-many go unused. Cancelling even a few can free up meaningful cash flow each month.
Why it matters:
Saving $30-$100/month adds up to hundreds or thousands per year.
3. Switching Providers to Lower Costs
Loyalty doesn't always pay when it comes to bills.
Insurance, internet, and mobile providers frequently offer better rates to new customers. Comparing options once a year can significantly reduce expenses without sacrificing quality.
Why it matters:
Same service, lower cost = instant return on effort.
4. Packing Lunch Instead of Ordering Takeout
This is one of the most classic-and effective-money habits.
Buying lunch daily can easily cost $10-$15. Preparing meals at home cuts that expense dramatically.
Why it matters:
Saving $8-$12 per day could mean $2,000+ per year.
5. Increasing Retirement Contributions
Even a small increase in your 401(k) contribution can make a huge difference over time.
Thanks to compound growth, money invested today works for you for decades.
Why it matters:
A 1-2% increase now can translate into tens of thousands later.
6. Completing a "No-Spend" Month
A no-spend challenge means limiting purchases to essentials only.
It's not just about saving money-it resets your habits and helps you identify unnecessary spending patterns.
Why it matters:
You build discipline and often discover how little you actually need.
7. Quitting Expensive Habits
Habits like smoking don't just impact health-they also impact finances.
Quitting can save hundreds (or even thousands) of dollars per year.
Why it matters:
It's one of the rare changes that improves both your health and your wealth.
8. Using Free Benefits from Insurance
Many people overlook the extra benefits included in their insurance plans.
These can include wellness apps, gym memberships, mental health services, and more.
Why it matters:
You're already paying-getting the full value is a smart financial move.
9. Making Smarter Purchasing Decisions
Taking a few extra minutes to compare prices before buying can lead to consistent savings.
Whether it's using price comparison tools, waiting for sales, or choosing alternatives, smarter buying reduces waste.
Why it matters:
Better decisions prevent overspending without reducing the quality of life.
10. Repairing Instead of Replacing
In a world of fast consumption, repairing items is often overlooked.
Fixing electronics, appliances, or clothing can save significant money compared to buying new.
Why it matters:
You extend the life of your money-not just your belongings.
The Bigger Picture
None of these actions is complicated. That's the point.
Financial progress doesn't require perfection-it requires consistency.
If you apply even 3-5 of these habits, you'll likely see noticeable improvement in your savings, spending, and overall financial confidence within months.
Final Thought
Big financial goals are built on small daily choices.
Start simple. Stay consistent. And remember: every smart decision you make today is a step toward a stronger financial future.
Here are just a few of the awesome wins that were shared:
Talked with a partner and created a long-term savings plan
Cancelled unused subscriptions and saved monthly
Switched providers (insurance, internet, cell) to lower costs
Packed lunches and avoided takeout
Increased 401(k) contributions and opened savings accounts
Completed a "no spend" month and boosted savings
Quit smoking and saved hundreds of dollars
Found free benefits through insurance (like apps and gym memberships)
Made smarter purchasing decisions and price comparisons
Choose to repair instead of replace big-ticket items
Link: https://easy2invest.org/article/3572/small-changes-and-big-financial-wins

The importance of diversifying

Thursday, April 16, 2026

Diversification isn't just a "nice to have" in investing - it's one of the few strategies that consistently reduces risk without necessarily lowering long-term returns. It's rooted in a core idea from Modern Portfolio Theory: don't put all your eggs in one basket.
1. Reduces Risk (Without Guessing the Future)
No one can reliably predict which investment will win next. If you invest in just one stock or sector and it drops, your portfolio takes a full hit.
Diversification spreads your money across:
Different companies
Industries (tech, healthcare, finance)
Asset classes (stocks, bonds, real estate)
So when one goes down, others may hold steady or rise.
2. Smooths Out Volatility
Markets move in cycles. Tech might boom one year, while energy or bonds perform better the next.
For example:
Invesco QQQ Trust (tech-heavy) can be volatile but high-growth
Vanguard S&P 500 ETF offers broad exposure to large U.S. companies
iShares Core U.S. Aggregate Bond ETF adds stability
When combined, your portfolio becomes less "rollercoaster-like."
3. Protects Against Big Losses
If you're concentrated in one investment (say, a single stock or crypto), a bad event-earnings miss, regulation, scandal-can wipe out a big chunk of your money.
Diversification limits the damage from any one failure.
4. Captures More Opportunities
Different sectors win at different times. By diversifying, you're always "in the game" somewhere.
Think of it like this:
You won't always hit the biggest winner
But you also won't miss it entirely
5. Improves Long-Term Consistency
Diversified portfolios tend to:
Grow more steadily
Be easier to stick with (less panic during downturns)
Reduce emotional decision-making (like selling at the worst time)
That consistency is what builds wealth over time.
Simple Example
Instead of doing this:
100% in one tech stock
You could do:
50% broad market ETF (like VOO)
20% tech growth (like QQQ)
20% bonds (AGG)
10% international stocks
Much safer, while still growing.
Diversification won't maximize your gains in the best-case scenario-but it dramatically improves your chances of surviving and growing over the long term, which is what actually matters.
Link: https://easy2invest.org/article/3571/the-importance-of-diversifying

Warren Buffett core portfolio

Wednesday, April 15, 2026

Warren Buffett doesn't publish a "personal" portfolio in real time - but we get a very clear picture from the holdings of Berkshire Hathaway, which he manages. This is effectively the closest thing to Buffett's public portfolio.
Buffett's Core Portfolio
1. Apple Inc.
Largest position (often ~40-50%)
Buffett calls it a consumer company, not just tech
Strong brand + recurring revenue (iPhones, services)
2. Financials (Buffett LOVES banks & insurance)
Bank of America
American Express
Moody`s Corporation
Why: predictable cash flow + strong competitive advantages
3. Energy
Chevron Corporation
Occidental Petroleum
Buffett has been increasing exposure here-betting on long-term demand
4. Consumer Staples & Brands
Coca-Cola
Kraft Heinz
These are classic Buffett plays: simple, durable, global brands
5. Industrial / Infrastructure
BNSF Railway (fully owned, not traded)
Essential infrastructure = consistent long-term revenue
6. Other Notable Holdings
Amazon
HP Inc.
Massive Cash Position
Berkshire often holds $100B-$150B+ in cash/Treasuries
Buffett waits patiently for "fat pitch" opportunities
Buffett's Strategy (Why this portfolio looks like this)
Buffett follows value investing principles (inspired by Benjamin Graham):
Buy great companies, not just cheap stocks
Focus on long-term holding (decades)
Look for moats (competitive advantage)
Prefer predictable businesses over hype
Key Insight for You
Buffett's portfolio today is:
Highly concentrated (Apple dominates)
Still diversified across sectors
Focused on cash-generating giants
Warren Buffett's portfolio - managed through his holding company, Berkshire Hathaway - is widely considered a masterclass in long-term value investing. As of early 2026, the portfolio remains highly concentrated, with the top five holdings accounting for roughly 70% of its total equity value.
Top Holdings (April 2026)
While Buffett famously preaches a "buy and hold forever" mentality, the portfolio has seen some significant adjustments recently, particularly a major reduction in his Apple stake.
| Company (Ticker) | Approx. Portfolio Weight | Core Industry |
| :--- | :--- | :--- |
| Apple (AAPL) | ~22% | Technology / Consumer Goods |
| American Express (AXP) | ~20% | Financial Services |
| Bank of America (BAC) | ~10% | Banking |
| Coca-Cola (KO) | ~10% | Consumer Staples |
| Chevron (CVX) | ~7% | Energy |
Link: https://easy2invest.org/article/3570/warren-buffett-core-portfolio

How to buy 15,500 properties without a down payment and receive 5% rent?

Monday, April 13, 2026

You have dreams of having properties to rent and receiving rents every month, but you don`t have money now, or you cannot afford all the expenses involved, or the interest now is too high. We have the solution for you here at easy2invest.org.
It`s not necessary to:
- Pay the mortgage
- Pay the down payment
- Pay the title company
- Pay the association
- Pay to renew the property
- Deal with bad tenants
- Get a loan
- and more
What`s necessary to do?
- Open a brokerage account
- Link your bank account
- Transfer from your bank account to the brokerage
- The value $66 dollars
- Buy the REIT named O
REIT (Real Estate Investment Trust)
The REIT O has 15,500 properties around the world.
Realty Income is a Real Estate Investment Trust (REIT) that owns thousands of commercial properties and rents them to businesses. Instead of selling products, it makes money mainly from rent payments.
- Founded: 1969
- Public since: 1994
- Portfolio: 15,500+ properties
- Locations: U.S., U.K., and parts of Europe
We have more information here in this link https://easy2invest.org/article/3518/lets-talk-about-the-reit-o to help you grow your money.
We have a magazine here to help you, too.
on our website https://easy2invest.org/magazine
Link: https://easy2invest.org/article/3569/how-to-buy-15500-properties-without-a-down-payment-and-receive-5-rent

BOND - Vanguard Total Bond Market ETF (BND) paying almost 4% dividends

Tuesday, March 31, 2026

The Vanguard Total Bond Market ETF (BND) is basically the "bond version" of Vanguard Total Stock Market ETF - it gives you exposure to almost the entire U.S. bond market in one ETF.
What BND actually is
Tracks the Bloomberg U.S. Aggregate Bond Index (StockAnalysis)
Holds 15,000+ bonds (very diversified) (StockAnalysis)
Includes:
U.S. Treasuries
Corporate bonds
Mortgage-backed securities (CompaniesMarketCap)
- Think of it as: "the whole U.S. bond market in one ETF"
Key numbers (2026)
Expense ratio: 0.03% (very cheap) (MarketBeat)
Yield: ~3.8%-3.9% (StockAnalysis)
Monthly dividends
Assets: $150B+ (very large & liquid) (StockAnalysis)
Volatility: low (beta ~0.27) (StockAnalysis)
Pros
1. Extremely diversified
You're not betting on one bond - you own thousands.
2. Very safe (relative to stocks)
Mostly investment-grade bonds
Lower volatility than stocks
3. Monthly income
Great for:
Passive income
Stability in a portfolio
4. Ultra-low cost
0.03% is basically free investing
Cons (important)
1. Lower returns
~3-5% long-term returns (StockAnalysis)
Way lower than stocks (like VTI or VOO)
2. Interest rate risk
When rates go up ? BND price can go down
This happened a lot in 2022-2023
3. Not "exciting income"
Yield is decent, but not high like:
SCHD (dividends)
REITs
When BND is a good choice
- You want stability
- You want to reduce risk in your portfolio
- You are closer to retirement
- You want monthly income with low volatility
When BND is NOT ideal
- You want high growth
- You're young and aggressive
- You want high income (like $1,000/month quickly)
How people usually use BND
Classic portfolio:
60% stocks (like VTI / VOO)
40% bonds (BND)
Growth-focused:
80-90% stocks
10-20% BND (for stability)
Quick comparison (simple)
| ETF | Type | Income | Growth | Risk |
| ---- | --------------------- | ------ | ------ | ------ |
| VTI | Stocks (total market) | Low | High | High |
| VOO | S&P 500 | Low | High | High |
| SCHD | Dividend stocks | Medium | Medium | Medium |
| BND | Bonds | Medium | Low | Low |
My honest take (based on your style)
Since you've been asking about:
income
ETFs
building monthly cash flow
- BND alone is not enough
But it's excellent as a stabilizer.
Smart combo idea
If your goal is income + safety:
SCHD ? income + growth
BND ? stability
VTI ? long-term growth
[1]: https://stockanalysis.com/etf/bnd/?utm_source=chatgpt.com "BND ETF Stock Price & Overview"
[2]: https://companiesmarketcap.com/vanguard-total-bond-market-index-fund/expense-ratio/?utm_source=chatgpt.com "Vanguard Total Bond Market Index Fund (BND) - Expense Ratio and Fees"
[3]: https://www.marketbeat.com/stocks/NASDAQ/BND/?utm_source=chatgpt.com "Vanguard Total Bond Market ETF ETF Price, Holdings, & News (NASDAQ:BND)"
Link: https://easy2invest.org/article/3547/bond--vanguard-total-bond-market-etf-bnd-paying-almost-4-dividends

The best ETFs for 2026

Saturday, March 21, 2026

The "best ETFs" depend on your goal (growth, dividends, safety, etc.). But there are a few proven, top-tier ETFs in 2026 that consistently show up in expert lists and portfolios.
Here's a clear, smart breakdown of the best ETFs
Best ETFs Overall (Core Portfolio)
These are the foundation ETFs-low cost, diversified, long-term winners:
Vanguard S&P 500 ETF (VOO)
- Tracks the S&P 500 (top 500 U.S. companies) --> one of the most important long-term investments (One Day Advisor)
Vanguard Total Stock Market ETF (VTI)
- Covers entire U.S. market (large + mid + small caps)
- More diversified than VOO (One Day Advisor)
If you pick only ONE ETF --> most investors choose VOO
Best Growth ETFs (High Return Potential)
More volatile, but strong upside:
Invesco QQQ Trust (QQQ)
- Tech-heavy (Apple, Microsoft, AI companies)
- Big exposure to innovation & AI (One Day Advisor)
Vanguard Information Technology ETF (VGT)
- Pure tech focus, very strong historical growth
Global X AI ETF (AIQ)
- Focused on artificial intelligence & big data
- Strong recent performance (~30% YTD in 2025) (One Day Advisor)
Best Dividend ETFs (Passive Income)
Perfect if you want cash flow:
Schwab U.S. Dividend Equity ETF (SCHD)
- One of the most popular dividend ETFs
- Strong balance of income + growth
Vanguard High Dividend Yield ETF (VYM)
- Reliable dividends from large companies
Vanguard Dividend Appreciation ETF (VIG)
- Focus on companies increasing dividends
Best Sector ETFs
Target specific opportunities:
Vanguard Real Estate ETF (VNQ)
- REIT exposure (real estate income) (WTOP News)
VanEck Gold Miners ETF (GDXJ)
- Gold exposure (hedge against inflation) (WTOP News)
Global X Robotics & AI ETF (BOTZ)
- Robotics + automation growth (Gainify)
Best Safe / Income ETFs
Lower risk, more stability:
Vanguard Intermediate-Term Bond ETF (VCIT)
- Corporate bonds, stable income (WTOP News)
Treasury / money market ETFs
- Focus on capital preservation and steady income (Kiplinger)
Simple "Perfect Portfolio" Example
If you want something easy:
50% - VOO (core)
20% - VTI (extra diversification)
20% - QQQ (growth)
10% - SCHD (income)
This mix balances growth + income + safety
Important Advice
Low fees matter - ETFs like VOO/VTI are extremely cheap
Don't chase hype (AI, crypto, etc.) with all your money
Diversification is key to long-term success
[1]: https://www.onedayadvisor.com/2026/02/top-ETFs-to-buy.html?utm_source=chatgpt.com "Top 10 ETFs to Buy in February 2026: Top Picks for Growth, Income, and Stability"
[2]: https://www.onedayadvisor.com/2025/12/top-ai-and-robotic-etfs-to-watch-in-2026.html?utm_source=chatgpt.com "Top AI and Robotic ETFs to Watch in 2026"
[3]: https://wtop.com/news/2026/01/7-best-etfs-to-buy-now/?utm_source=chatgpt.com "7 Best ETFs to Buy Now - WTOP News"
[4]: https://www.gainify.io/blog/best-ai-etf?utm_source=chatgpt.com "Best AI ETFs in 2026"
[5]: https://www.kiplinger.com/investing/etfs/best-weekly-income-etfs?utm_source=chatgpt.com "The Best Weekly Income ETFs to Buy in 2026"
Link: https://easy2invest.org/article/3535/the-best-etfs-for-2026

Finan�as para os filhos

Saturday, January 1, 2011

        Ol? Internautas, hoje n?o quero falar de nada t?cnico e de desenvolvimento de software. Gostaria de falar um pouco sobre finan?as relacionadas aos filhos, ou melhor, seus filhos.

    ? l?gico que estou escrevendo isso apenas como pesquisa pessoal, pois andei lendo muitos livros sobre o assunto e pesquisando o m?todo de funcionamento em outros pa?ses e culturas.

    No Brasil, fomos criados desde pequenos que o dinheiro que temos, gastamos. A sociedade capitalista aumentou e se aperfei?oou bastante nos ?ltimos tempos. As pessoas n?o pensam no futuro e gostam apenas de gastar dinheiro nos grandes shoppings e lojas. As mulheres mais com roupas, bolsas, sapatos e vestidos; pelo menos 70% delas. Os homens, com gravatas, ternos, eletr?nicos e games; pelo menos 70% deles.

    Nada ? pensado sobre o ato de ajuntar "um p? de meia" financeira e viver uma melhor qualidade de vida. Muito menos ? pensado sobre fazer o dinheiro trabalhar para voc?, e n?o voc? trabalhar para o dinheiro.

    Li um livro que falava: "o melhor ? poder ter a tranq?ilidade de ver o dinheiro trabalhando para voc? sem que precise trabalhar todos os dias em um local que n?o goste de estar". Se o nosso pai ou m?e tivesse planejado o nosso futuro financeiro hoje a profiss?o n?o seria escolhida com o foco "ganhar dinheiro" e sim escolhido de acordo com o que gostasse de fazer. O gostar de fazer determinado trabalho se torna mais prazeroso desenvolver e automaticamente ganhar dinheiro, que ? uma conseq??ncia. Acompanhe o racioc?nio: "escolhendo o que mais gosta de fazer, far? de uma melhor maneira, ajudar? mais pessoas / empresas que precisam e ganhar? mais dinheiro".

    Um exemplo de pesquisa que vi fora do Brasil foi: ao nascer um filho, o pai come?ou a planeja a vida financeira dele. Come?ou a depositar mensalmente um valor (pequeno) em um investimento, que pode ser considerado no Brasil como poupan?a, previd?ncia privada ou outro tipo de investimento que n?o tenha risco. Com 18 anos, a crian?a j? crescida teria um capital bom para poder ter a sua pr?pria vida independente dos pais, pagar sua faculdade, comprar o seu im?vel ou criar a sua pr?pria empresa de futuro sucesso.

    O que impede a n?s come?ar hoje a planejar a vida financeira de nossos filhos que est?o por vir? Ou que nasceram h? pouco tempo? Pensando bem essa atitude hoje, poder? mudar gera??es futuras de seus parentes mais pr?ximos como filhos, netos e bisnetos.

    No par?grafo acima, comentei sobre depositar mensalmente uma quantia pequena de dinheiro; quis dizer R$ 20,00, R$ 50,00 ou at? R$ 100,00 reais por m?s. Valor que n?o far? falta ao or?amento de casa. Pelo menos ? assim que os papais fora do Brasil fazem para ajudar e planejar a vida dos seus filhos financeiramente.

    ? l?gico que, s? isso n?o ajuda completamente pois al?m de tudo ? necess?rio ensinar o filho a lhe dar com dinheiro. Isso ? outra grande hist?ria para contar.

Fico por aqui e espero ter ajudado a abrir os seus olhos. Link: https://easy2invest.org/article/850/financas-para-os-filhos

Finan�as para os filhos

Saturday, January 1, 2011

Ol? Internautas, hoje n?o quero falar de nada t?cnico e de desenvolvimento de software. Gostaria de falar um pouco sobre finan?as relacionadas aos filhos, ou melhor, seus filhos.

? l?gico que estou escrevendo isso apenas como pesquisa pessoal, pois andei lendo muitos livros sobre o assunto e pesquisando o m?todo de funcionamento em outros pa?ses e culturas.

No Brasil, fomos criados desde pequenos que o dinheiro que temos, gastamos. A sociedade capitalista aumentou e se aperfei?oou bastante nos ?ltimos tempos. As pessoas n?o pensam no futuro e gostam apenas de gastar dinheiro nos grandes shoppings e lojas. As mulheres mais com roupas, bolsas, sapatos e vestidos; pelo menos 70% delas. Os homens, com gravatas, ternos, eletr?nicos e games; pelo menos 70% deles.

Nada ? pensado sobre o ato de ajuntar "um p? de meia" financeira e viver uma melhor qualidade de vida. Muito menos ? pensado sobre fazer o dinheiro trabalhar para voc?, e n?o voc? trabalhar para o dinheiro.

Li um livro que falava: "o melhor ? poder ter a tranq?ilidade de ver o dinheiro trabalhando para voc? sem que precise trabalhar todos os dias em um local que n?o goste de estar". Se o nosso pai ou m?e tivesse planejado o nosso futuro financeiro hoje a profiss?o n?o seria escolhida com o foco "ganhar dinheiro" e sim escolhido de acordo com o que gostasse de fazer. O gostar de fazer determinado trabalho se torna mais prazeroso desenvolver e automaticamente ganhar dinheiro, que ? uma conseq??ncia. Acompanhe o racioc?nio: "escolhendo o que mais gosta de fazer, far? de uma melhor maneira, ajudar? mais pessoas / empresas que precisam e ganhar? mais dinheiro".

Um exemplo de pesquisa que vi fora do Brasil foi: ao nascer um filho, o pai come?ou a planeja a vida financeira dele. Come?ou a depositar mensalmente um valor (pequeno) em um investimento, que pode ser considerado no Brasil como poupan?a, previd?ncia privada ou outro tipo de investimento que n?o tenha risco. Com 18 anos, a crian?a j? crescida teria um capital bom para poder ter a sua pr?pria vida independente dos pais, pagar sua faculdade, comprar o seu im?vel ou criar a sua pr?pria empresa de futuro sucesso.

O que impede a n?s come?ar hoje a planejar a vida financeira de nossos filhos que est?o por vir? Ou que nasceram h? pouco tempo? Pensando bem essa atitude hoje, poder? mudar gera??es futuras de seus parentes mais pr?ximos como filhos, netos e bisnetos.

No par?grafo acima, comentei sobre depositar mensalmente uma quantia pequena de dinheiro; quis dizer R$ 20,00, R$ 50,00 ou at? R$ 100,00 reais por m?s. Valor que n?o far? falta ao or?amento de casa. Pelo menos ? assim que os papais fora do Brasil fazem para ajudar e planejar a vida dos seus filhos financeiramente.

? l?gico que, s? isso n?o ajuda completamente pois al?m de tudo ? necess?rio ensinar o filho a lhe dar com dinheiro. Isso ? outra grande hist?ria para contar.
Fico por aqui e espero ter ajudado a abrir os seus olhos. Link: https://easy2invest.org/article/852/financas-para-os-filhos