By Gustavo Cerbasi
Adeus, aposentadoria – Esqueça tudo o que você já ouviu falar sobre aposentadoria. A ideia de parar de trabalhar e se sustentar com um auxílio mensal é um conceito ultrapassado para dar conta do padrão de vida que queremos ter.
Bancos, empresas de previdência, fundos de pensão e o Ministério da Previdência Social recomendam que as pessoas poupem mais ao longo dos anos para chegarem com uma boa reserva à idade avançada. Mas será que apenas essa poupança get to the bottom of o problema?
Quem já passou dos 60 anos lamenta não ter se esforçado mais no passado e sabe que, mesmo que tivesse dobrado seu esforço, ainda estaria longe de uma situação confortável. Como estamos vivendo mais, com mais qualidade, custo de vida mais alto e maior nível educacional e cultural, a renda de uma aposentadoria – pública ou privada – não é suficiente hoje. A velha fórmula deixou de funcionar.
É preciso adotar um modelo realista para planejar o futuro. Reunindo
pesquisas e reflexões sobre casos de fracasso e de sucesso, este livro propõe uma nova forma de enxergar o trabalho e de lidar com o dinheiro, oferecendo conselhos atualizados sobre a melhor maneira de se educar, de investir, de empreender e de gerenciar a carreira.
Ao longo de mais de uma década, Gustavo Cerbasi vem se dedicando a estudar e trabalhar com educação financeira, orientando públicos de diversas idades e sessions sociais. Em Adeus, aposentadoria, ele apresenta um plano para administrar sua riqueza que inclui dicas personalizadas de acordo com sua faixa etária. Além disso, faz uma análise das modalidades existentes de aposentadoria e aponta suas principais falhas.
Sem dúvida, o desafio para conquistar uma vida futura mantendo o padrão atual e sem depender de ninguém é grande, mas é possível se começarmos a realizar esse projeto desde já.
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Extra resources for Adeus Aposentadoria: Como Garantir Seu Futuro Sem Depender dos Outros
On 13 February 2001, he sent a telegram to the headmistress from the remote republic of Chukotka, where he was now governor: Dear Ludmilla, The fiftieth anniversary of your school is another opportunity for me to express my great gratitude for the education and the knowledge that we, your students, received there. No matter where destiny has taken us we must all remember that the school is not just a building but the foundation for the future, the place where we received our earliest experience and knowledge.
But army life had clearly robbed Abramovich of none of his self-discipline. 'He didn't appear to drink,' says Sakovich. 'He always kept himself within a certain limit. I have never seen him drunk or violent. ' 42 In fact, Abramovich had returned to Ukhta to discover that the girl he had been seeing before he embarked on his national service, Vika Zaborovskaya, a fellow student at the institute, had married someone else. Within a few months, however, in the summer of 1987, Abramovich met the woman who was to become his first wife.
Bizarrely, despite the fact that the couple separated when Olga's daughter was six, it was not until she was sixteen that Anastasia discovered that Abramovich was not her real father. Any illusions she had about his having lingering paternal feelings for her were dashed three years later when she called him at his oil company, Sibneft, only to be told by his secretary that he was too busy to meet her or return her call. Olga has always refused to discuss her split from Abramovich with her daughter but Anastasia believes he was the great love of her life.