◈ ExplanationFoundationsPersonal Finance › Financial Life Stages
Working Life in Brazil — CLT, FGTS, and the Informal Economy
An institutional analysis of Brazil's bifurcated labor market, examining CLT statutory worker protections, mandatory savings accounts, INSS taxes, and the MEI self-employment regime.
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◎ Guide⚡ Quick ReadFoundationsPersonal Finance › Financial Life Stages
Losing Your Job in Brazil — Seguro-Desemprego, FGTS, and Financial Survival
Brazil's seguro-desemprego provides 3-5 months of partial income replacement for dismissed CLT workers. FGTS becomes accessible on demissão sem justa causa. Here's the complete financial survival guide for job loss in Brazil.
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◎ Guide⚡ Quick ReadFoundationsPersonal Finance › Financial Life Stages
Buying Your First Home in Brazil — Financiamento Imobiliário, FGTS, and the Minha Casa Minha Vida Program
Brazilian home loans (financiamento imobiliário) through Caixa Econômica Federal dominate the mortgage market. FGTS can be used as down payment. The Minha Casa Minha Vida program subsidizes housing for lower-income buyers. Here's the complete financial picture.
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