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Investing My First $100: A Simple Beginner's Strategy

Thursday, April 30, 2026

Starting your investment journey doesn't require thousands of dollars. In fact, with just $100, you can begin building a diversified portfolio and create the habit that matters most: investing consistently.
If I were starting today with my first $100, here's exactly how I'd do it:
Step 1: Open a Brokerage Account
Choose a beginner-friendly broker like Fidelity Investments.
Why?
No account minimums
Fractional share investing
Easy-to-use platform
Great for long-term investors
Step 2: Connect Your Bank Account
Link your checking account and transfer your first $100.
This is your first step toward turning money into an asset that can grow over time.
Step 3: Invest $33 in VOO
This ETF tracks the S&P 500, giving you ownership in 500 of the largest U.S. companies.
Why invest here?
Strong long-term growth potential
Broad exposure to the U.S. market
Great core investment for beginners
Step 4: Invest $33 in VXUS
This ETF gives exposure to international companies outside the U.S.
Why add it?
Global diversification
Reduces dependence on the U.S. market
Adds balance to your portfolio
Step 5: Invest $33 in O
Known as "The Monthly Dividend Company," this REIT focuses on income-producing real estate.
Why include it?
Monthly dividend payments
Real estate exposure
Passive income potential
This adds an income component to your portfolio.
Why This $100 Strategy Works
With just $100, you're building a portfolio with:
U.S. stock market exposure
International diversification
Real estate income
This creates a simple, balanced foundation for long-term investing.
The Real Secret
Your first $100 won't make you rich.
But investing your first $100 teaches the habit that can build real wealth over time.
The goal isn't to invest once.
The goal is to keep investing every month.
Start small. Stay consistent. Let time do the heavy lifting.
easy2Invest Tip: The first $100 is not about money. It's about building momentum.
Link: https://easy2invest.org/article/3590/investing-my-first-s100-a-simple-beginners-strategy

VXUS (Vanguard Total International Stock Index Fund) ETF

Thursday, April 30, 2026

The Vanguard Total International Stock ETF (VXUS) is one of the most popular international index ETFs, especially for long-term, passive investors who want global diversification outside the U.S.
What VXUS actually is
VXUS is a passive ETF from Vanguard that tracks the FTSE Global All Cap ex-US Index.
Invests in stocks outside the U.S.
Covers developed + emerging markets
Includes large, mid, and small companies
Owns ~8,000+ stocks across ~50 countries (ETF Central)
In simple terms:
VXUS = "the rest of the world" (everything except the U.S.)
Key facts (2026)
Expense ratio: 0.05% (very low) (StockAnalysis)
Assets: ~$130B+ (StockAnalysis)
Dividend yield: ~2.7-2.9% (StockAnalysis)
Holdings: ~8,700 stocks (ETF Central)
Founded: 2011 (StockAnalysis)
This is considered a "core" ETF - not a niche bet.
What you're investing in
VXUS spreads your money globally. The biggest exposures typically include:
???? Japan
???? United Kingdom
???? Canada
???? France
???? Australia
???? China / emerging markets
It also includes companies like:
Taiwan Semiconductor
Samsung
ASML
(ETF Central)
Why investors like VXUS
1. Massive diversification
You're not betting on one country-you're buying almost the entire global market (ex-US).
2. Very low cost
0.05% is extremely cheap.
That's one of Vanguard's biggest advantages.
3. Complements U.S. ETFs perfectly
A common strategy:
Vanguard Total Stock Market ETF (VTI) ? U.S.
VXUS ? International
Together = global portfolio
This is the classic "Boglehead" approach.
4. Dividend income
Pays quarterly dividends
Around ~2.8% yield
Good for passive income investors.
Downsides / risks
1. Lower historical returns vs. the U.S.
U.S. stocks (like the S&P 500) have outperformed for many years
VXUS can feel "slow."
2. Currency risk
You're exposed to:
Euro
Yen
Yuan, etc.
If the U.S. dollar strengthens, the returns can drop
3. Political & economic risk
Different regulations
Emerging markets volatility
Recent trend (important insight)
There's been a shift recently:
MarketWatch
Kiplinger
- International stocks have recently outperformed U.S. markets (MarketWatch)
- VXUS benefited from global growth and currency trends (Kiplinger)
Who should use VXUS?
VXUS is ideal if you want:
? Long-term investing (10+ years)
? Global diversification
? Simple portfolio
? Low fees
Example portfolio
A simple and powerful allocation:
60% U.S. ? VTI
40% International ? VXUS
(roughly matches global market weights)
My honest take
VXUS is not exciting, but that's the point.
It's:
boring
diversified
low-cost
reliable
Exactly what you want for building wealth over decades
[1]: https://www.etfcentral.com/fund/VXUS?utm_source=chatgpt.com "VXUS ETF Stock Price | Vanguard Total International Stock ETF | ETF Central"
[2]: https://stockanalysis.com/etf/vxus/?utm_source=chatgpt.com "VXUS ETF Stock Price & Overview"
[3]: https://fund-docs.vanguard.com/F3369.pdf?utm_source=chatgpt.com "Vanguard Vanguard Total International Stock ETF"
[4]: https://www.marketwatch.com/story/heres-a-smart-way-to-beat-the-u-s-stock-market-and-10-etfs-to-get-you-there-3c33aef6?utm_source=chatgpt.com "Here`s a smart way to beat the U.S. stock market - and 10 ETFs to get you there"
[5]: https://www.kiplinger.com/investing/etfs/a-top-vanguard-etf-pick-outperforms-on-international-strength?utm_source=chatgpt.com "A Top Vanguard ETF Pick Outperforms on International Strength"
Link: https://easy2invest.org/article/3589/vxus-vanguard-total-international-stock-index-fund-etf

Savings vs Investing: Where Should You Put Your Money?

Tuesday, April 28, 2026

When people ask "should I save or invest?", they're usually asking the wrong question. It's not either/or it's about when and why you use each.
Saving: Safety First
Saving means putting money in low-risk places like a high-yield savings account (HYSA) or a regular bank account.
Best for:
Emergency fund (3-6 months of expenses)
Short-term goals (vacation, car, house down payment)
Money you cannot afford to lose
Pros:
Very low risk
Highly liquid (easy to access anytime)
Stable and predictable
Cons:
Lower returns
May not keep up with inflation over time
Think of saving as your financial safety net.
Investing: Growth Over Time
Investing means putting money into assets like stocks, ETFs, or real estate with the goal of growing your wealth.
For example, many people invest in funds that track the S&P 500, which historically has provided solid long-term returns.
Best for:
Retirement (401(k), IRA)
Long-term wealth building
Financial independence
Pros:
Higher potential returns
Beats inflation over time
Compounding growth
Cons:
Market volatility
Risk of short-term losses
Requires patience
Investing is your wealth-building engine.
The Smart Strategy: Do Both
Instead of choosing one, combine them:
Step 1: Build an emergency fund (save)
Step 2: Pay off high-interest debt
Step 3: Start investing consistently
A simple structure:
Savings: Stability + short-term needs
Investments: Growth + long-term goals
Quick Rule of Thumb
Need the money in 5 years? ? Invest
In between? ? A mix of both
Saving protects your money. Investing grows it.
You need both to build real financial security.
Link: https://easy2invest.org/article/3588/savings-vs-investing-where-should-you-put-your-money

Is a HYSA worth it?

Tuesday, April 28, 2026

Yes, most of the time, a HYSA is absolutely worth it. But it depends on what you're using it for.
Why a HYSA is worth it (especially in 2026)
Right now, the difference is huge:
Traditional savings accounts: ~0.38% APY
High-yield savings accounts: ~3.8%-5.0% APY (The Wall Street Journal)
That's 10x-12x more interest just by switching accounts. (Choose Your News)
Example:
$10,000 in regular savings ~ ~$40/year
$10,000 in HYSA ~ $400-$500/year (FinCalcs)
Same money. Different result.
When a HYSA makes perfect sense
A HYSA is one of the best tools for:
Emergency fund (3-6 months expenses)
Short-term goals (travel, house down payment, car)
Cash you don't want to risk in the market
Why?
Safe (FDIC insured up to $250K) (Passive Income Portfolio)
Liquid (you can access your money anytime)
Passive growth (no effort required)
Even Reddit users consistently say the same thing:
> "Great for emergency funds. not a replacement for investing." (Reddit)
When it's NOT enough
This is where people get it wrong:
HYSAs don't build wealth long-term
Returns often don't beat inflation by much
Rates are variable (they can drop)
If your goal is:
Retirement
Long-term growth
You'll likely do better with:
Index funds (like S&P 500)
ETFs
Stocks
Simple rule of thumb
HYSA = safety + short-term
Investing = growth + long-term
You don't pick one-you use both.
A HYSA is one of the easiest financial upgrades you can make:
If your cash is sitting in a regular bank ? you're leaving money on the table
If you already invest ? HYSA complements your strategy
The only real mistake?
Keeping large amounts of cash in a low-interest account.
[1]: https://www.wsj.com/buyside/personal-finance/banking/high-yield-savings-rates-today-4-28-2026?utm_source=chatgpt.com "Today`s High-Yield Savings Rates for April 28, 2026: Up to 5.00%"
[2]: https://news.intellure.co/article/is-a-high-yield-savings-account-worth-it-in-2026?utm_source=chatgpt.com "Is a High-Yield Savings Account Worth It in 2026? | Choose Your News"
[3]: https://www.fincalcs.co/blog/best-high-yield-savings-accounts-2026?utm_source=chatgpt.com "High-Yield Savings Accounts in 2026: How to Earn 10-50x More on Your Savings | FinCalcs Blog"
[4]: https://www.passiveincomeportfolio.com/best-high-yield-savings-accounts-2026?utm_source=chatgpt.com "Best High-Yield Savings Accounts in 2026: Rates, Fees, and How They Compare | Passive Income Portfolio"
[5]: https://www.reddit.com/r/HYSA/comments/1q3uthv/whathighyieldsavingsaccountsgetrightand/?utm_source=chatgpt.com "What high-yield savings accounts get right (and what they don't)"
Link: https://easy2invest.org/article/3587/is-a-hysa-worth-it

I requested the A.I. to generate a portfolio for investment using $10,000

Monday, April 27, 2026

If I had $10,000 today, I wouldn't try to "outsmart" the market. I'd build something simple, diversified, and hard to mess up over time. Here's exactly how I'd allocate it:
My $10,000 Portfolio (Simple & Powerful)
1. Core Growth - 60% ($6,000)
Invest in an S&P 500 ETF like VOO or SPY
Why: You're buying the top 500 U.S. companies (historically strong long-term returns)
2. International Exposure - 15% ($1,500)
Example: VXUS
Why: Diversifies beyond the U.S. (Europe, Asia, emerging markets)
3. Real Estate (REITs) - 10% ($1,000)
Example: VNQ
Why: Passive income + exposure to real estate without buying property
4. Stability (Bonds) - 10% ($1,000)
Example: BND
Why: Reduces volatility and protects during downturns
5. Opportunistic / High Growth - 5% ($500)
Could be:
Individual stocks (like big tech)
Or something like Bitcoin
Why: Small risk, high upside potential
Why This Works
Diversification ? You're not relying on one thing
Low cost ETFs ? Keep more of your returns
Long-term focus ? This is how real wealth is built
If You Want Different Risk Levels
More aggressive:
Increase S&P 500 + reduce bonds
More conservative:
Increase bonds + REITs
Beginner-safe version:
Just 80-90% in VOO + 10-20% in bonds
Real Talk
Trying to pick winning stocks sounds exciting-but most people underperform the market. A boring portfolio like this often beats "smart" investing over time.
What do you think about it?
Link: https://easy2invest.org/article/3586/i-requested-the-ai-to-generate-a-portfolio-for-investment-using-s10000

BOND - Vanguard Total Bond Market ETF (BND) paying almost 4% dividends

Tuesday, March 31, 2026

The Vanguard Total Bond Market ETF (BND) is basically the "bond version" of Vanguard Total Stock Market ETF - it gives you exposure to almost the entire U.S. bond market in one ETF.
What BND actually is
Tracks the Bloomberg U.S. Aggregate Bond Index (StockAnalysis)
Holds 15,000+ bonds (very diversified) (StockAnalysis)
Includes:
U.S. Treasuries
Corporate bonds
Mortgage-backed securities (CompaniesMarketCap)
- Think of it as: "the whole U.S. bond market in one ETF"
Key numbers (2026)
Expense ratio: 0.03% (very cheap) (MarketBeat)
Yield: ~3.8%-3.9% (StockAnalysis)
Monthly dividends
Assets: $150B+ (very large & liquid) (StockAnalysis)
Volatility: low (beta ~0.27) (StockAnalysis)
Pros
1. Extremely diversified
You're not betting on one bond - you own thousands.
2. Very safe (relative to stocks)
Mostly investment-grade bonds
Lower volatility than stocks
3. Monthly income
Great for:
Passive income
Stability in a portfolio
4. Ultra-low cost
0.03% is basically free investing
Cons (important)
1. Lower returns
~3-5% long-term returns (StockAnalysis)
Way lower than stocks (like VTI or VOO)
2. Interest rate risk
When rates go up ? BND price can go down
This happened a lot in 2022-2023
3. Not "exciting income"
Yield is decent, but not high like:
SCHD (dividends)
REITs
When BND is a good choice
- You want stability
- You want to reduce risk in your portfolio
- You are closer to retirement
- You want monthly income with low volatility
When BND is NOT ideal
- You want high growth
- You're young and aggressive
- You want high income (like $1,000/month quickly)
How people usually use BND
Classic portfolio:
60% stocks (like VTI / VOO)
40% bonds (BND)
Growth-focused:
80-90% stocks
10-20% BND (for stability)
Quick comparison (simple)
| ETF | Type | Income | Growth | Risk |
| ---- | --------------------- | ------ | ------ | ------ |
| VTI | Stocks (total market) | Low | High | High |
| VOO | S&P 500 | Low | High | High |
| SCHD | Dividend stocks | Medium | Medium | Medium |
| BND | Bonds | Medium | Low | Low |
My honest take (based on your style)
Since you've been asking about:
income
ETFs
building monthly cash flow
- BND alone is not enough
But it's excellent as a stabilizer.
Smart combo idea
If your goal is income + safety:
SCHD ? income + growth
BND ? stability
VTI ? long-term growth
[1]: https://stockanalysis.com/etf/bnd/?utm_source=chatgpt.com "BND ETF Stock Price & Overview"
[2]: https://companiesmarketcap.com/vanguard-total-bond-market-index-fund/expense-ratio/?utm_source=chatgpt.com "Vanguard Total Bond Market Index Fund (BND) - Expense Ratio and Fees"
[3]: https://www.marketbeat.com/stocks/NASDAQ/BND/?utm_source=chatgpt.com "Vanguard Total Bond Market ETF ETF Price, Holdings, & News (NASDAQ:BND)"
Link: https://easy2invest.org/article/3547/bond--vanguard-total-bond-market-etf-bnd-paying-almost-4-dividends

The best ETFs for 2026

Saturday, March 21, 2026

The "best ETFs" depend on your goal (growth, dividends, safety, etc.). But there are a few proven, top-tier ETFs in 2026 that consistently show up in expert lists and portfolios.
Here's a clear, smart breakdown of the best ETFs
Best ETFs Overall (Core Portfolio)
These are the foundation ETFs-low cost, diversified, long-term winners:
Vanguard S&P 500 ETF (VOO)
- Tracks the S&P 500 (top 500 U.S. companies) --> one of the most important long-term investments (One Day Advisor)
Vanguard Total Stock Market ETF (VTI)
- Covers entire U.S. market (large + mid + small caps)
- More diversified than VOO (One Day Advisor)
If you pick only ONE ETF --> most investors choose VOO
Best Growth ETFs (High Return Potential)
More volatile, but strong upside:
Invesco QQQ Trust (QQQ)
- Tech-heavy (Apple, Microsoft, AI companies)
- Big exposure to innovation & AI (One Day Advisor)
Vanguard Information Technology ETF (VGT)
- Pure tech focus, very strong historical growth
Global X AI ETF (AIQ)
- Focused on artificial intelligence & big data
- Strong recent performance (~30% YTD in 2025) (One Day Advisor)
Best Dividend ETFs (Passive Income)
Perfect if you want cash flow:
Schwab U.S. Dividend Equity ETF (SCHD)
- One of the most popular dividend ETFs
- Strong balance of income + growth
Vanguard High Dividend Yield ETF (VYM)
- Reliable dividends from large companies
Vanguard Dividend Appreciation ETF (VIG)
- Focus on companies increasing dividends
Best Sector ETFs
Target specific opportunities:
Vanguard Real Estate ETF (VNQ)
- REIT exposure (real estate income) (WTOP News)
VanEck Gold Miners ETF (GDXJ)
- Gold exposure (hedge against inflation) (WTOP News)
Global X Robotics & AI ETF (BOTZ)
- Robotics + automation growth (Gainify)
Best Safe / Income ETFs
Lower risk, more stability:
Vanguard Intermediate-Term Bond ETF (VCIT)
- Corporate bonds, stable income (WTOP News)
Treasury / money market ETFs
- Focus on capital preservation and steady income (Kiplinger)
Simple "Perfect Portfolio" Example
If you want something easy:
50% - VOO (core)
20% - VTI (extra diversification)
20% - QQQ (growth)
10% - SCHD (income)
This mix balances growth + income + safety
Important Advice
Low fees matter - ETFs like VOO/VTI are extremely cheap
Don't chase hype (AI, crypto, etc.) with all your money
Diversification is key to long-term success
[1]: https://www.onedayadvisor.com/2026/02/top-ETFs-to-buy.html?utm_source=chatgpt.com "Top 10 ETFs to Buy in February 2026: Top Picks for Growth, Income, and Stability"
[2]: https://www.onedayadvisor.com/2025/12/top-ai-and-robotic-etfs-to-watch-in-2026.html?utm_source=chatgpt.com "Top AI and Robotic ETFs to Watch in 2026"
[3]: https://wtop.com/news/2026/01/7-best-etfs-to-buy-now/?utm_source=chatgpt.com "7 Best ETFs to Buy Now - WTOP News"
[4]: https://www.gainify.io/blog/best-ai-etf?utm_source=chatgpt.com "Best AI ETFs in 2026"
[5]: https://www.kiplinger.com/investing/etfs/best-weekly-income-etfs?utm_source=chatgpt.com "The Best Weekly Income ETFs to Buy in 2026"
Link: https://easy2invest.org/article/3535/the-best-etfs-for-2026

Finan�as para os filhos

Saturday, January 1, 2011

        Ol? Internautas, hoje n?o quero falar de nada t?cnico e de desenvolvimento de software. Gostaria de falar um pouco sobre finan?as relacionadas aos filhos, ou melhor, seus filhos.

    ? l?gico que estou escrevendo isso apenas como pesquisa pessoal, pois andei lendo muitos livros sobre o assunto e pesquisando o m?todo de funcionamento em outros pa?ses e culturas.

    No Brasil, fomos criados desde pequenos que o dinheiro que temos, gastamos. A sociedade capitalista aumentou e se aperfei?oou bastante nos ?ltimos tempos. As pessoas n?o pensam no futuro e gostam apenas de gastar dinheiro nos grandes shoppings e lojas. As mulheres mais com roupas, bolsas, sapatos e vestidos; pelo menos 70% delas. Os homens, com gravatas, ternos, eletr?nicos e games; pelo menos 70% deles.

    Nada ? pensado sobre o ato de ajuntar "um p? de meia" financeira e viver uma melhor qualidade de vida. Muito menos ? pensado sobre fazer o dinheiro trabalhar para voc?, e n?o voc? trabalhar para o dinheiro.

    Li um livro que falava: "o melhor ? poder ter a tranq?ilidade de ver o dinheiro trabalhando para voc? sem que precise trabalhar todos os dias em um local que n?o goste de estar". Se o nosso pai ou m?e tivesse planejado o nosso futuro financeiro hoje a profiss?o n?o seria escolhida com o foco "ganhar dinheiro" e sim escolhido de acordo com o que gostasse de fazer. O gostar de fazer determinado trabalho se torna mais prazeroso desenvolver e automaticamente ganhar dinheiro, que ? uma conseq??ncia. Acompanhe o racioc?nio: "escolhendo o que mais gosta de fazer, far? de uma melhor maneira, ajudar? mais pessoas / empresas que precisam e ganhar? mais dinheiro".

    Um exemplo de pesquisa que vi fora do Brasil foi: ao nascer um filho, o pai come?ou a planeja a vida financeira dele. Come?ou a depositar mensalmente um valor (pequeno) em um investimento, que pode ser considerado no Brasil como poupan?a, previd?ncia privada ou outro tipo de investimento que n?o tenha risco. Com 18 anos, a crian?a j? crescida teria um capital bom para poder ter a sua pr?pria vida independente dos pais, pagar sua faculdade, comprar o seu im?vel ou criar a sua pr?pria empresa de futuro sucesso.

    O que impede a n?s come?ar hoje a planejar a vida financeira de nossos filhos que est?o por vir? Ou que nasceram h? pouco tempo? Pensando bem essa atitude hoje, poder? mudar gera??es futuras de seus parentes mais pr?ximos como filhos, netos e bisnetos.

    No par?grafo acima, comentei sobre depositar mensalmente uma quantia pequena de dinheiro; quis dizer R$ 20,00, R$ 50,00 ou at? R$ 100,00 reais por m?s. Valor que n?o far? falta ao or?amento de casa. Pelo menos ? assim que os papais fora do Brasil fazem para ajudar e planejar a vida dos seus filhos financeiramente.

    ? l?gico que, s? isso n?o ajuda completamente pois al?m de tudo ? necess?rio ensinar o filho a lhe dar com dinheiro. Isso ? outra grande hist?ria para contar.

Fico por aqui e espero ter ajudado a abrir os seus olhos. Link: https://easy2invest.org/article/850/financas-para-os-filhos

Finan�as para os filhos

Saturday, January 1, 2011

Ol? Internautas, hoje n?o quero falar de nada t?cnico e de desenvolvimento de software. Gostaria de falar um pouco sobre finan?as relacionadas aos filhos, ou melhor, seus filhos.

? l?gico que estou escrevendo isso apenas como pesquisa pessoal, pois andei lendo muitos livros sobre o assunto e pesquisando o m?todo de funcionamento em outros pa?ses e culturas.

No Brasil, fomos criados desde pequenos que o dinheiro que temos, gastamos. A sociedade capitalista aumentou e se aperfei?oou bastante nos ?ltimos tempos. As pessoas n?o pensam no futuro e gostam apenas de gastar dinheiro nos grandes shoppings e lojas. As mulheres mais com roupas, bolsas, sapatos e vestidos; pelo menos 70% delas. Os homens, com gravatas, ternos, eletr?nicos e games; pelo menos 70% deles.

Nada ? pensado sobre o ato de ajuntar "um p? de meia" financeira e viver uma melhor qualidade de vida. Muito menos ? pensado sobre fazer o dinheiro trabalhar para voc?, e n?o voc? trabalhar para o dinheiro.

Li um livro que falava: "o melhor ? poder ter a tranq?ilidade de ver o dinheiro trabalhando para voc? sem que precise trabalhar todos os dias em um local que n?o goste de estar". Se o nosso pai ou m?e tivesse planejado o nosso futuro financeiro hoje a profiss?o n?o seria escolhida com o foco "ganhar dinheiro" e sim escolhido de acordo com o que gostasse de fazer. O gostar de fazer determinado trabalho se torna mais prazeroso desenvolver e automaticamente ganhar dinheiro, que ? uma conseq??ncia. Acompanhe o racioc?nio: "escolhendo o que mais gosta de fazer, far? de uma melhor maneira, ajudar? mais pessoas / empresas que precisam e ganhar? mais dinheiro".

Um exemplo de pesquisa que vi fora do Brasil foi: ao nascer um filho, o pai come?ou a planeja a vida financeira dele. Come?ou a depositar mensalmente um valor (pequeno) em um investimento, que pode ser considerado no Brasil como poupan?a, previd?ncia privada ou outro tipo de investimento que n?o tenha risco. Com 18 anos, a crian?a j? crescida teria um capital bom para poder ter a sua pr?pria vida independente dos pais, pagar sua faculdade, comprar o seu im?vel ou criar a sua pr?pria empresa de futuro sucesso.

O que impede a n?s come?ar hoje a planejar a vida financeira de nossos filhos que est?o por vir? Ou que nasceram h? pouco tempo? Pensando bem essa atitude hoje, poder? mudar gera??es futuras de seus parentes mais pr?ximos como filhos, netos e bisnetos.

No par?grafo acima, comentei sobre depositar mensalmente uma quantia pequena de dinheiro; quis dizer R$ 20,00, R$ 50,00 ou at? R$ 100,00 reais por m?s. Valor que n?o far? falta ao or?amento de casa. Pelo menos ? assim que os papais fora do Brasil fazem para ajudar e planejar a vida dos seus filhos financeiramente.

? l?gico que, s? isso n?o ajuda completamente pois al?m de tudo ? necess?rio ensinar o filho a lhe dar com dinheiro. Isso ? outra grande hist?ria para contar.
Fico por aqui e espero ter ajudado a abrir os seus olhos. Link: https://easy2invest.org/article/852/financas-para-os-filhos