Portuguese 
English 
Spanish 
4 min of reading 
1 comment 
Thiago Nigro Teaches How to Calculate the Ideal Wealth for Each Age Based on Cost of Living and Savings Percentage.
There is a practical formula to determine if you are on the right path to financial freedom. Thiago Nigro, the Rich Cousin, explains this in a simple manner.
In the video posted on his channel, he details how to identify the ideal wealth for each age based on three variables: monthly cost of living, age, and savings percentage.
The 7 Secrets of Rich Dad, Poor Dad — How to Escape Debt and Make Money Work for You
ARTICLE CONTINUES BELOWSee also
These living root bridges and ladders are over 700 years old and help indigenous people survive in one of the rainiest regions in the world.
The largest food company on the planet, JBS, has just opened a 4,000 square meter laboratory in Florianópolis to develop customized proteins that modulate muscle mass gain, immune response, and metabolic performance.
After nearly 30 bids and competition among industry giants, a Spanish company purchases one of the largest airports in Brazil for almost R$ 3 billion and takes over the management of Galeão in a concession that will last until 2039.
From sertanejo star to international investor: Ana Castela invests millions in a mansion in the USA, creates a themed accommodation in Orlando, and shows that the “boiadeira” also wants to grow away from the stage.
Real Monthly Cost, Not Just Survival Cost
The first variable is the monthly cost of living. But, as Thiago Nigro explains, it is not just the minimum amount to survive.
The calculation takes into account the amount needed to maintain the current lifestyle, including leisure, travel, outings, and comfort. The goal is to preserve quality of life in the future, not just to ensure there is food on the table.
Age Changes Everything
The second variable is age. A person who is 20 years old has more time to invest, make mistakes, and recover.
On the other hand, someone who is 60 or 70 has less time and needs to be more efficient with their resources. Therefore, age is a central component of the formula.
Savings Capacity Between 10% and 15%
The third variable is the savings percentage. Thiago Nigro suggests a range between 10% and 15% of monthly income.
Entrepreneurs or freelancers can use the average annual earnings divided by 12 to reach the reference amount.
The Formula in Practice
The complete formula is:
Ideal Wealth by Age = Monthly Cost × 12 × Age × Savings Percentage
In the video, he exemplifies with the story of Nicole. She is 28 years old, has a monthly cost of R$ 3,000, and manages to save 10% of her income. Applying the formula:
3,000 × 12 × 28 × 10% = R$ 100,800
In other words, Nicole should have, at 28, around R$ 100,000 saved to be in line with a financial freedom plan.
If she has more, she is ahead. If she has less, she will need to make an extra effort in the coming years.
Adjusting the Savings Percentage
If Nicole increases her savings to 12%, her ideal wealth changes:
3,000 × 12 × 28 × 12% = R$ 120,960
According to Thiago Nigro, every additional percentage point makes a difference because it directly impacts the value that will be accumulated over the years.
Other Real Examples
He also mentions Alexandre, who is 47 years old, with a cost of living of R$ 9,800 and a savings rate of 15%.
Calculation: 9,800 × 12 × 47 × 15% = R$ 829,800
This would be the amount he should have accumulated by the age of 47.
Another example is Rafael, who is 21 years old, with a monthly cost of R$ 2,100 and a savings rate of 15%.
2,100 × 12 × 21 × 15% = R$ 79,380
Table to Simplify
Thiago suggests creating a table where the X-axis is age and the Y-axis is monthly cost of living. This way, it would be possible to see the ideal wealth amount without always doing the math.
For example, a 35-year-old with a cost of R$ 7,500 should have R$ 315,000 saved, considering a 10% savings rate.
Conversely, a 50-year-old with a cost of R$ 2,000 would need to have around R$ 1,200,000. Those below this should accelerate their contributions to maintain their standard of living in retirement.
How to Calculate Financial Freedom
In the second part of the video, Thiago presents another formula: the amount needed to achieve financial freedom. This amount is called Invested Wealth for Financial Freedom (IWFF).
The formula is:
IWFF = Monthly Cost × 12 ÷ Annual Return
If someone spends R$ 5,000 per month, that amounts to R$ 60,000 a year. If the person achieves a return of 10% per year, they would need R$ 600,000 invested to generate this passive income.
Practical Cases
Nicole, with a cost of R$ 3,000 and an annual return of 14%, would need:
36,000 ÷ 14% = R$ 257,142
Alexandre, with a cost of R$ 9,800 and a return of 8.8%, would need:
117,600 ÷ 8.8% = R$ 1,470,000
Rafael, with a cost of R$ 2,100 and a return of 6.5%, would need:
25,200 ÷ 6.5% = R$ 387,692
When Would These People Achieve Freedom?
Using the same formula from the first part, it is possible to determine the age at which they would achieve financial freedom:
Age = IWFF ÷ (Monthly Cost × 12 × Savings Percentage)
For Nicole:
257,142 ÷ (3,000 × 12 × 10%) = 71.4 years → 72 years
For Alexandre:
1,470,000 ÷ (9,800 × 12 × 15%) = 83.6 years → 84 years
For Rafael:
387,000 ÷ (2,100 × 12 × 15%) = 102.3 years → 103 years
According to Thiago, these timelines show that saving alone is not enough. The return also needs to be considered.
Return Changes Everything
If Alexandre increases his return from 8.8% to 14% per year, the necessary wealth drops to R$ 840,000.
If he maintains a savings rate of 15%, he will achieve financial freedom at 48 years — much earlier than the previously calculated 84 years.
Inflation Also Matters
Thiago reminds us that the return must be above inflation. If you earn 10%, but inflation was 5%, your real gain is only 5%. If you spend all the income without considering this, purchasing power will be eroded year after year.
Thiago Nigro concludes the video by emphasizing that the goal is not to scare but to provide clarity. Knowing where you are and where you want to go is the first step. The formula helps define real goals.
He finishes by inviting those interested to a 33-day program, where he promises to teach how to invest better, diversify, and increase returns safely. According to him, even small improvements of 1% or 2% per year can make a significant difference in the long run.
Tão de brincadeira??? Colocar esse **** econocoah numa publicação séria? Será séria?
A pessoa tem que economizar desde o primeiro ano de vida, rsrs