24 Meses de Liquidez do Método MAT

The rule of three to six months of emergency savings has no basis in real data. Someone suggested or invented this number, the market repeated it, but no one bothered to understand if this number actually made sense or not. Data from the IBGE (Brazilian Institute of Geography and Statistics) in 2024 showed that more than 2.3 million Brazilians had been unemployed for more than a year. Not six months, a year. And the average time unemployed, according to CNDL and SPC, is around 18 months. So, if you have six months of emergency savings, but there is a probability or possibility of being unemployed for up to 18 months, what happens to you in those 12 months of difference? And I'll be very direct with you, as I have been in all the videos on this channel: three to six months of emergency savings is very little. And if you're here watching this video, one of two things probably happened: either you don't yet have an emergency fund and are curious about how to build one, or you have the traditional three-to-six-month emergency fund, but deep down you know that's not enough to secure your quality of life and your family's during times of crisis. But regardless of what brought you here, you'll leave this lesson with a number. Not just any random number, nor a rule of thumb, but your number: what you really need to save to protect yourself and your family from times of crisis. Lesson Content --- 0:00 — Introduction - Emergency Fund | 3 to 6 Months 2:34 — What is an Emergency Fund (for real) 6:08 — Emergency Fund - How Much to Save According to Your Profile 8:33 — Emergency Fund - The 3 Fundamental Criteria 9:43 — Emergency Fund in Savings or Treasury Selic 12:37 — What NOT to use as an Emergency Fund 16:47 — Where to Put Your Emergency Fund 19:07 — Treasury Reserve - The Government's Emergency Fund 23:06 — Why 24 Months of Liquidity and Not 6 26:16 — How to Structure 24 Months of Liquidity 28:15 — Summary about Emergency Funds LINKS MENTIONED Full article: https://meiaficha.com.br/tesouro-seli... Meia Ficha Calculator: https://meiaficha.com.br/calculadoras... RELATED VIDEOS How to Invest in Treasury Selic:    • Tesouro Selic: Onde eu coloco meu dinheiro...   CDB, LCI, LCA and RDB: Complete Guide:    • CDB, LCI, LCA e RDB | Aula Completa   Is Fixed Income Worth It? 3 Truths:    • Quanto PAGA a RENDA FIXA (Rentabilidade Real)   Investment Diversification: Why It DOESN'T WORK:    • Sua Carteira VAI CAIR 40% quando VOCÊ MAIS...   --- Meia Ficha — One half is Risk, the other is Return. #emergencyfund #treasuryselic #fixedincome #investments #financialeducation #meiaficha #juniorju