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Blog do Coach - Nova mentalidade para se aposentar bem
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19 d maio d 2019

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31

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Nova mentalidade para se aposentar bem


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31 de janeiro, 2014 | Autor: Gustavo Cerbasi | Tópicos: Conhecimento
Tags: , ,


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O planejamento das contas das famílias passou por muitas transformações nas últimas duas décadas.

Até os anos 1990, a regra de sobrevivência era gastar tudo o que podíamos, quanto antes. Devido à alta inflação, se demorássemos a usar nosso salário, perdíamos rapidamente o poder de compra. Havia a figura da correção monetária nas aplicações overnight, mas as limitadas ferramentas financeiras da época obrigavam os correntistas a ir ao banco tanto para aplicar quanto para resgatar, e isso consumia muito tempo. Era mais compensador ir às compras no dia do pagamento, fazer estoque e, quando o gasto era maior que a verba, parcelar o valor da compra por vários meses.

No início do novo século, tivemos o despertar da educação financeira. Com os juros elevados, ficou evidente a oportunidade de poupar para alcançar rapidamente a independência financeira, enquanto os empréstimos e financiamentos se mostravam os maiores vilões da classe média brasileira. Na época, os brasileiros consumiam cerca de 30% de sua renda com o pagamento de juros. Um bom planejamento financeiro se traduzia em adotar um estilo de vida restritivo, com compras à vista e um grande esforço de poupança.

Hoje, a realidade é distinta desses dois períodos anteriores. A economia é mais estável, com maior nível de emprego e menor temor dos trabalhadores quanto a seu futuro. Os juros são mais baixos. Isso torna os financiamentos de bens duráveis menos proibitivos. Há ainda um debate intenso sobre qualidade de vida, sustentabilidade e empreendedorismo.

O planejamento financeiro deixou de ser sinônimo de corte no orçamento e formação de poupança. Passou a significar construção do equilíbrio e sustentabilidade. Em vez de sacrifícios para alcançar amanhã aquilo de que abrimos mão agora, um bom planejamento se traduz por gastar com qualidade o dinheiro que temos, investindo com inteligência o mínimo de recursos de que precisamos para sustentar esse bom estilo de vida. Consumo de qualidade é gastar mais dinheiro com o que nos dá prazer (como lazer e confortos cotidianos), e menos com aspectos burocráticos e onerosos da vida (como despesas com moradia e carro).

Investir com inteligência é desenvolver continuamente a sagacidade de se defender contra as oscilações da economia e de encontrar oportunidades de dar pequenos saltos na evolução do patrimônio. Esse novo planejamento exige mais tempo para se aposentar. Isso não é problema quando se vive com qualidade. Os futuros aposentados precisarão ainda empreender com seu patrimônio, para manter a renda em crescimento depois de parar de trabalhar. Sem isso, a conta não fecha mais.


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