Good morning – Matheus I came here to talk to
you a little bit about money today and
also a little about happiness and how
these things relate to the end that
money money is a convention
money is something that in some
moment of our history as
society we agreed that would
mark the value of all things and even
for a practical reason we no longer
we would trade things for things and yes
all for money means people
already meant ended the barter and
for example, a chicken
for a cheese mines a bottle of
Sugarcane liquor
At that moment we started to change
this same chicken money in still
another with that amount of money
was found by the chicken back by the
cheese minas bottle of cachaça or
even a little of each one in it
something very crazy happens that the
We can measure everything in cash.
all things happen to us
with the monetary value
so today when you work the month
and at the end of the month you receive
your salary
you’re basically trading your
time your workforce
its value for a sum of money
that amount it means how much
You’re worth your employer ‘s
value and you then as an individual
You start using that day to
live to consume to live to
buy things and get your happiness
Then came happiness and what is the
happiness
happiness is something much more
objective for each
happiness is having a meaning
different for some people to
Happiness means family means
You have loved ones of whom you
take care and you maybe have the money
sufficient to ensure the minimum of this
the needs of people served by
other people happiness may have
more connected to consumption
Do you have a sports car?
Fashion can make expensive trips and more
that this can take a lot of this
with your next -generation iphone and
share on the networks and because people
make a way to do it because
society often links the
money success , and a success and
happiness
so we that image
who is the success story is the guy who
It’s the money they’re wasting on me.
trying and the reverse is also
true we’ll start the fault
money and you end up with
mind you people judge people
All this time
and will that happiness it really
this is what I’m going to demonstrate
is an example not to improve by
example happiness here
for the happiness of the shoes is that
really has a hotel and she works
drugs work for money and
that we have the partnership ensures
fully happy but because I’m
talking about it today because
recently in my story
something happened that made me think a
little more on this topic that I wanted
share with you I’m a member
startup calls smart boat and we
we work with investment robots in
stock exchange is a super thing
connected has money applied technology
and today it ‘s very nice to talk
but it speaks to you in
difficult business and in brazil it’s more
still difficult
our company of 2011 and since then
My bones have three more partners.
I intend to work very hard
doing business will mean that
for more than five years what we
We slept thinking about how we agreed
thinking about think and talk the day
The whole envelope is the smart boat and over
that this
for a long time most of this
time we do this for the
motivation for passion purpose
because the company simply does not
earned enough money to pay
a good salary
so fortunately this game has turned
We recently started to grow
rather accelerate both the
billing and the pace of
accelerated growth and at that time
appeared an investment fund these
search for startup companies in
technology to invest with the proposed
to buy our entire company
part of us and this caused us to
think like the value of the smart boat because
I hitched a boat for more than one.
profession is very maybe our project
of life our professional life of the mpu
six more years there we are
relatively young people has been
understand how people there that people
puts our energy but we arrived
proposal for another to put a truck
Money there, I thought, man I am.
happy today working smart boat but
Can I, I can change that?
never my money
Would I then be happier?
I think that the human being is always
Searching for happiness, I arrived.
Will the money actually a
Happiness has a price for this.
or was he right to
happiness is not to be bought
good the end of this story that does not
we see and I think it was the decision
right because we grow
even more and was even good for me
a little price and put more
slowed down our business but I stayed with
the flea behind the ear because it is a
thing i never never stopped
to think why the answer is this
money relationship happiness because
when you thought it was almost
intuitive to think that it was a
Linear As more money has more
Happier you will be alone.
thing begins to reflect and even
even observe other people in other
Examples also that this is not always
true and until one day I was seeing
a podcast that I really like to send
rolled and they did the sodium presented
the study in the American economy that
exactly what is the shape of this curve
a much more scientific basis
which is basically this
this study he showed that yes
the money it can help you to be more
happy to a certain point there comes a
certain point you will win
more money but the increase in its
Happiness will not be as great and
also showed that money does not
guarantees happiness
it will help you in some way but
if you are already unhappy with 1 1 million
It will be another million that will leave
happy but I started I start thinking
So what’s the value of this happiness?
while income that I have to have
per month to be able to fully
happy that I’ll call one from the point
great of the money helps in relation
happiness converting dollar to
real these pure came the value was more
or less than 11 thousand reais per month of
income to guarantee this optimum
happiness
of course this will vary greatly with
this variety according to the city
to fix
so maybe we live in beautiful
Horizon spoke may be lower than in
sao paulo which in turn can be better
than in New York and will vary greatly from
According to the society people with
Who do you live with because we
we compare to people all the time
but I put picked up this number of base
and I began to think then as I
I guarantee this great financial point
to be able to worry about other
things are happy
in other things and also started to
Think about how old I am, I ‘m aging.
30 years old today
but then in our life we are born
grows and starts working during the
time we are producing people
can get and make money and even
even from sending money in the future
because it would send the future and invest
You ‘re taking the money you leave.
to spend it
you’re basically taking a
Timeline says if we will each see
if in the future a certain speed because
a certain moment of your life you
may no longer be able to work or
I did not want to work anymore
and you’re going to have to be able to consume
these reserves that you have here and in everything
What happened in Brazil today, the people?
you are no longer sure of any help from the
Noah government even in the future so this
mission has to be from each of you.
so I started to think the face as I
I guarantee that great point of 12 thousand
Real income the month to have money
enough to leverage my
happiness in the future
I like numbers then leaned
I started to do a lot of spreadsheet account
but spreadsheet and wanted to split a bit
than I think we are with you and
to do it in an easier way
to not be talking about interest on
Financial mathematical interest I got
borrowed that formula from the second
law of newton that the strength of a brand
acceleration that despite much
new or remember but that mean the
Swiss which was inspired by the school has
sure you remember
so instead of our strength it will be
our happiness to those 11 thousand reais
income is the amount of
money that we can save
to send for the future and acceleration
basically the interest rate with which
speed and size this money to
to do it means more worth more
future starting talking about saving
a more classic investment
historically in Brazil you and I will
work with the savings account and
if you put one thousand reais per month in
savings while you reach this
great point 36 years
say you can put a
a little over two thousand reais a month
then our father-term drops to 26
years and if you can put a
a little over three thousand reais per month
of investment sent from the future
you reach that point in 21 years this
The result is interesting you can
really lower and achieves the guarantee of
tranquility of the optimum point before
I think
I have this money if I can
invest 3 thousand reais per month to
decide the future and more than that
Am I willing to do this
to make this exchange of something that might
consume I can spend that I can see
now and having taken three thousand reais
per month to ensure a possible
happiness in the future
then it will analyze from another perspective
this will change acceleration according to the type
putting the money in the
savings as a fresh start 36 years
if for all fixed income and a being
a direct treasury that investment
with your bank manager can
To recommend people fall to 28 years already
Can I deduct income tax?
only the good news is that they have another
alternative that can be much more
interesting to have an alternative
can halve the point
the time we will reach this optimum point
of happiness not only endow another
type of investment robot that
can achieve a much higher yield with
relatively low risk and with the
The magic of telling you are with
the magic
the magic to see this guy here the name
of this karl markovics he is a
American economist and he created a
theory of a model theory of
modern portfolio has the modern group
portfolio and even won the Nobel
economy in 1990 with this is basically
a theory that she says the following is
you have a truckload of money that
independent side as it is small or
big
you have a universe of assets to
you can invest in income securities
fixed and variable income treasure savings
cdb actions like you do to split
your money in this bunch of things that
Do you have to invest in order to
maximize their profitability and minimize
your risk at the same time the theory very
interesting and only that the problem is that
is very difficult to put into
practice because it’s too expensive
requires a lot of information requires many
accounts in intellectual capital
extremely capable
so basically who can do it
investment it that the old theory
Nobel was 90 so until recently
behind that he was able to put into practice
was who had plenty of money could
hire the specialists team to
to do this works for that person
that is the case had already passed that
point where unhappiness but money
It does not make any more difference.
happiness of the people but it was only
available to him
only when the revolution in the
startup technology
for some years now some statuses are
democratizing access to this
kind of thing picking up all this capital
intellectual property, all this
specialized and putting in the box and
radically lower the cost of
implementation of this type of
in practice and allow you to start
then this type is that kind of
leasing and starting with
not with a few million but with some
thousands of dollars of reais by
American states pulled this out of the
Brazil a barry mcgaw dog from essa
statue where they are 13 we think of
unicorns his status that spoke in
a few billion dollars and more
recently in Brazil for status is
as old and whoi magnetic already
allow this for ordinary person
as from 5 10 thousand reais it can
have that rate of return on your
investment and if I could move on to
You just the message that if you
with little effort through this step
of a technology button
you can reach the optimum point of
happiness and half the time would already be
pleased
Just like I said we said until
now how to optimize this form of
send the money forward but until the
other side the happiness in this
process and how to optimize your
happiness because with the
City
has a phrase a very cool excerpt from
philosopher douglas adams who wrote the
galaxies backpacker guide that he
talk a little about the earth and the planet
that the earth had a problem that
majority of the inhabitants were being
happy and every time someone proposes
a solution to this problem
this solution was always linked to the
handling of small pieces of
colored paper with some written media
on them
only this is very curious because
colored paper was not expected
feel happy with the happiness she
transports she will transpose this to us
said that they will optimize sending the
money in the future to ensure
minimum of this happiness but as
optimize happiness
so without leaving the theme money has
some tips for you
The first one connected with you spends your
money he shows the comparison
the streets of happiness level one
search
when you spend money on a
experience and not with consumer
materials and quitavam behave prove
what you spend the same amount of
money by hiring an experience
that with the worldwide experience
on show the same cinema see a football the
site spoke of a parachute running a
kart
this happiness it besides being higher
immediately after the incident of the
money she makes sure she lasts more
time you say it ‘s unsustainable
also not
another interesting research this
from here
it shows a correlation in the world and
where all the countries that are in
green here are countries where there was
verb of people a group of people who
she was happier than the other
another group and any difference
the happiest group is the group that donated
money and makes recurring donations or
to spend money without seeing one with
another wanting well without expecting anything in
exchange
You can make me happy already.
scientifically proven but for
finalize
I think it’s important to think of this
theme that happiness was not linked
to each
We talked at the beginning that for
some can a family for some may
to be a good that is not always connected
money sometimes has simple things
you can do in your life does not leave
most happy of my life some change
which I did was very drastic and
radical that has greatly increased my book
to speak of happiness I can say that
I’m on another level
no purchase was made either of material
an experience like this here
down 2 Galatians that I have adopted and I will say
that for sure become a person more
they cause it but beyond money
to buy these pests
thank you
[Applause]
”
Be First to Comment