Resources: Module 01 — Introduction: Active vs. Passive Income¶

Curated resources specifically relevant to this module's content. All resources have been verified to exist.

Essential Reading¶

O Homem Mais Rico da Babilônia (The Richest Man in Babylon) — George S. Clason The timeless principles of personal finance in parable form. Chapters on "pay yourself first," "control thy expenditures," and "make thy gold multiply" are direct conceptual matches to this module. Available in Portuguese on major bookstores.
Do Mil ao Milhão: Sem Cortar o Cafezinho — Thiago Nigro A Brazilian personal finance bestseller. The first sections align directly with Module 01: income diversification, emergency fund building, and investment mindset. Written in accessible Portuguese for a Brazilian audience.
A Psicologia Financeira (The Psychology of Money) — Morgan Housel Covers behavioral aspects of investing. Chapter 4 ("Confounding Compounding") directly illustrates why time is the most powerful variable — with the same worked examples as this module, from a global perspective.

Calculadora do Cidadão (Banco Central do Brasil): https://www3.bcb.gov.br/CALCIDADAO Official BCB tool. Use the "Correção de valores" function to calculate inflation-adjusted returns over any period. Use the "Rentabilidade do FGTS e da Poupança" to verify poupança returns for any historical period.
Tesouro Direto Simulator: https://www.tesourodireto.com.br/simulador Official Tesouro Direto investment simulator. Input a monthly aporte and see projected returns for different bond types.

B3 Educação: https://edu.b3.com.br Free courses on investment basics. The "Fundamentos do Mercado de Capitais" course covers the Brazilian market structure.
Tesouro Direto — Portal Educacional: https://www.tesourodireto.com.br/conheca-o-tesouro-direto/aprenda-a-investir.htm Official educational content from the Secretaria do Tesouro Nacional.

After completing this module, these searches will deepen your understanding:

"Copom reunião calendário" — Track scheduled SELIC decisions throughout the year
"IPCA IBGE" — The official inflation index announcement (monthly)
"Tabela progressiva IRPF 2024" — Updated income tax brackets
"FGC cobertura" — Details on deposit insurance limits and what is covered

Planilha de orçamento pessoal (IBGE): Search for "planilha de orçamento familiar" on gov.br or spreadsheet communities like r/investimentos. Use to calculate your actual monthly expenses for Exercise 2 and Exercise 9 in EXERCISES.md.
Google Sheets / Excel: All compound interest calculations in this module can be reproduced using the FV function: =FV(monthly_rate, months, -monthly_contribution, 0) Example: =FV(0.008, 420, -500, 0) replicates Ana's calculation from the Theory section.