For Brazilians who work at American companies
401(k) match, open enrollment, RSUs, pay ranges. The American pay system was never written with newcomers in mind. Here it is explained plainly, by someone who spent 20 years designing these systems from the employer's side.
3 minutes. No sign-up. Nothing you type leaves your browser.
Money most people let slip without knowing: unclaimed match, an HSA never opened, an unused education budget, a raise never asked for.
Answer seven questions about your job and see an estimate of how much money is being left behind every year. It is the math almost nobody does.
It is not about picking stocks. It is about knowing which stage you are in and what to do now.
Raise what you take home: pay range, job level, negotiation, benefits.
Create margin between what comes in and what goes out.
Emergency fund, insurance and expensive debt.
Invest systematically: tax-advantaged accounts and consistency.
Move beyond depending on a paycheck: stocks, real estate, a business.
Let compounding, taxes and diversification work for you.
Financial independence: time, family, generosity.
Every article tells you which stage it belongs to and what to do next.
Salary is not set by your manager's mood. It is set by a system of levels, ranges and midpoints. Here is how it works and what it means for your next offer.
Read the article →A lower base salary can be the better offer. Here is how to add up everything an employer pays you, and the one trap that fools almost everyone.
Read the article →Base salary is the number everything else is calculated from. Here is why to negotiate it first, when bonus or equity is the realistic second ask, and how to say it.
Read the article →Many employers send a yearly statement of everything they spend on you. Most people skim it. Here is how to turn it into one number, find the benefits you are not using, and put it to work.
Read the article →One number predicts your financial future better than any investment choice: the share of your income that goes to your future. Here is how to find it and how to move it.
Read the article →Restricted stock, options, vesting, cliffs and refresh grants, explained plainly, with a way to value equity when you compare offers and a warning about holding too much of one company.
Read the article →A small group, run in Portuguese. Once a month you bring your own pay stub or benefits package and we review it live. Plus a weekly Q&A and clinics at the right times of year. Founding cohort at $67 a month, locked in, 15 seats.
