Spare Me! details six-step plan for leaving your job with six months of living expenses in reserve
In a video, presenter Nath proposes calculating the monthly cost, setting a deadline and contributing to net fixed income before resigning
BY THE X-TRADER NEWS NEWSROOM · REPORTING FROM ME POUPE! · 3 MIN
The channel Spare Me! published a six-step roadmap for anyone who wants to leave a job without compromising their personal finances. The axis of the proposal, called by the presenter a "reserve for the ass", is to accumulate the equivalent of six months of living expenses before resigning.
According to the presenter, planning starts before the numbers: you need to define what you want in your current job. She lists four alternatives: continue in the same role in another company, change roles and probably companies, open your own business or not work. In the second step, the viewer must qualify the choice, defining the size of the company, the regime (in-person, hybrid or remote), the degree of autonomy and the type of leadership desired.
Reserve calculation
The third step is the numerical part. The basis is not the salary, but the real cost of living. In the example in the video, a person who earns R$2,000 and needs R$1,500 per month to live must calculate the reserve based on R$1,500. With six months of coverage, the goal reaches R$9,000.
The fourth step is to set a deadline. For the presenter, “a goal without a deadline is just a wish”. If the character in the example wants to leave in 12 months, the required contribution is R$750 per month (R$9,000 divided by 12). Nath recommends not counting on the effect of compound interest to reach the value faster, because, in her opinion, waiting for the money to pay off or looking for a "magic" investment increases the risk of those in a hurry.
Where to keep the money
For short-term goals, the presenter suggests fixed income with immediate liquidity, such as digital bank funds that yield 100% of the CDI or more, CDB with daily liquidity and Treasury Selic. She warns that, if the application exit deadline is renewed with each new contribution, the money may not be available on the planned date.
In the simulation presented, with monthly contributions of R$750 and the Selic rate maintained at 13.75% per year in both cases, the Selic Treasury would end the period with R$9,545, or R$545 in income already deducted from income tax. The little fund that pays 100% of the CDI would reach R$9,538. When reading the channel, the difference is negligible in the short term and the investor should choose what is simplest for him.
Discipline and the final decision
The fifth step is to create what the channel calls a reserve slip: programming the automatic monthly contribution, in Tesouro Direto or in the bank's savings account, so that savings do not depend on willpower. Nath claims she did this when she left her own boss, because she didn't trust herself.
The sixth step is to effectively resign when you reach the goal. The presenter reports that, when leaving TV Record to play Me Poupe!, she had enough reserves to maintain the cost of living for more than two years. According to her, the company was successful and the reserve was not used, but that was what gave her the courage to decide.
The content is of an educational nature and reflects the channel's evaluation, and does not constitute an investment recommendation. For the reader, the example illustrates a principle of personal finance: professional autonomy depends, to a large extent, on your own savings set up in advance.
Automatically translated from Portuguese.
