JUROS, REFORMA TRIBUTÁRIA E 6X1: O QUE MUDA NO SEU NEGÓCIO | Fecha a Conta? com Samy Dana

More than half of Brazil's adult population is in debt. The Selic rate is at 14% per year. The 6x1 work schedule will increase labor costs by up to 10% in the most labor-intensive sectors. And the tax reform is already in effect. Small business owners don't need bank analysis—they need to know what to do on Monday morning. In this episode of "Fecha a Conta?" (Close the Account?), Conta Azul's podcast for business owners, Felipe Hatab interviews Samy Dana, economist, university professor, and one of Brazil's leading economic communicators. Host of "Visão" (Vision), a podcast from the partnership between Conta Azul and G4, Samy is an expert in translating what happens in the financial market into the language of those who run businesses on a daily basis. The conversation covers the three major shocks that are arriving simultaneously for those with businesses in Brazil: High interest rates and the cost of working capital still above 20% per year for most SMEs; The 6x1 work schedule and its real impact on payroll and margins in sectors like retail and services; The tax reform that is moving towards a value-added tax rate that could be the highest in the world. The central recommendation of the episode is direct: this is a time for cash flow, not expansion. Avoid financing, work with scenarios, and focus on the 40% to 50% of the business that the entrepreneur actually controls — instead of wasting energy on what cannot be changed. 📌 Close the Account? is the entrepreneurship podcast from Conta Azul, a reference in financial management for small and medium-sized businesses in Brazil. Presented by: Felipe Hatab. CONTA AZUL No more confusing spreadsheets. Control your finances simply with Conta Azul. 👉 Try it for free now: http://bit.ly/4lKmhiG PLAUD The #1 AI note-taking assistant to maximize your productivity 👉 Send 205 now via DM on Conta Azul's Instagram and access the summary with the main insights from this episode. 📲 @contaazul