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Projects: Module 01 — Introduction: Active vs. Passive Income

Projects for this module. These are also listed in the topic-level PROJECTS.md. Complete at least the Beginner project before proceeding to Module 02.

Beginner Project: Personal Financial Snapshot

Estimated time: 2–3 hours Deliverable: Written document or spreadsheet

Create a complete picture of your current financial situation:

  1. Income audit
  2. List every income source you have (salary, freelance, dividends, side gigs, etc.)
  3. Classify each as Active or Passive

  4. Calculate total monthly income and the percentage that is passive

  5. Expense audit

  6. List all monthly expenses by category (use your last 3 months of bank/credit card statements)
  7. Calculate total monthly expenses

  8. Calculate your savings rate: (income - expenses) / income × 100%

  9. Emergency fund assessment

  10. Calculate your target emergency fund (3× or 6× monthly expenses)
  11. Calculate your current liquid savings
  12. Calculate the gap

  13. Identify where your current savings are held and whether that instrument is appropriate (see Common Pitfalls in the README)

  14. One-sentence summary Write one sentence that honestly describes your current financial position.

Success criteria: You can state your exact monthly income, expenses, savings rate, and emergency fund gap with real numbers. No estimates — use actual bank data.

Intermediate Project: Compound Interest Personal Projection

Estimated time: 2–3 hours Deliverable: Spreadsheet with chart

Build a compound interest projection for your personal situation:

  1. Take your monthly investable surplus (income − expenses, or your target savings amount)
  2. Build a spreadsheet calculating month-by-month portfolio growth at three different return scenarios:
  3. Conservative: 0.6%/mês (approximately 7.4% per year)
  4. Base case: 0.85%/mês (approximately 10.7% per year)
  5. Optimistic: 1.1%/mês (approximately 14% per year)
  6. Plot all three scenarios on a chart
  7. Calculate: at what age do you reach R$ 1.000.000? R$ 2.000.000?
  8. Calculate: at what portfolio size does the monthly income from investments equal your current monthly expenses?

Success criteria: You have a concrete, personalized projection showing your potential path to financial independence under three scenarios, and you understand which assumptions drive the biggest differences.

Expert Project: Investment Policy Statement (Starter Version)

Estimated time: 3–4 hours Deliverable: Written document (1–2 pages)

Write the first version of your Investment Policy Statement (IPS). This is a living document you will update as you complete more modules. For Module 01, focus on:

  1. Goals: List 3 financial goals with specific target amounts and dates (e.g., "Emergency fund of R$ X by [date]", "Down payment of R$ X for [purpose] by [date]", "Financial independence of R$ X/month passive income by age [N]")

  2. Current situation: Copy from the Beginner Project above

  3. Principles: Write 3–5 investment principles you commit to. Examples:

  4. "I will never invest money I might need within 12 months in anything with equity risk"
  5. "I will build my emergency fund before investing in anything else"

  6. "I will compare net, not gross, yields before making investment decisions"

  7. Next action: The single specific action you will take in the next 7 days to improve your financial situation

Success criteria: Someone who reads your IPS understands your financial situation, goals, and decision-making framework. It is specific enough to guide actual decisions, not just aspirational statements.