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Programs

Four areas. Knowledge that stays with you for life.

Each program starts from zero and takes you to the point where you can decide on your own. Pick what you need, we don't sell bundles you'll never use.

Money Fundamentals

Understand your payslip, your taxes and what gets deducted every month.

Before saving or investing, you need to understand where your money goes. We start with the basics no one taught you: how to read a Portuguese payslip, IRS tax brackets, social security contributions, hidden bank fees and how to claim the refund you're owed.

Online course, 4 sessions

  • Read and check your Portuguese payslip
  • How IRS tax brackets work in 2026
  • Social Security contributions and what they actually buy you
  • Bank fees you're paying without knowing
  • Filing your IRS return and maximising deductions
  • →People starting their working life in Portugal
  • →Anyone who has never understood their net pay
  • →Expats filing IRS for the first time

Budgeting & Saving

Build a budget that survives the month and saves automatically.

A budget isn't a guilt-tripping spreadsheet. It's a simple system that works when you're tired. We teach you the 50/30/20 method adapted to Portuguese salaries, how to build an emergency fund, and how to clear debt the fastest way.

Online course, 6 sessions + personalised plan

  • 50/30/20 method adjusted for Portuguese salaries
  • Building an emergency fund (and where to keep it)
  • Automating savings with scheduled transfers
  • Getting out of debt: snowball vs avalanche
  • Apps and accounts that help (and which to skip)
  • →Anyone who reaches the end of the month wondering where the money went
  • →People who want to save but never manage to
  • →People with debt who need a realistic plan

Investing Sensibly

Invest for the long term without trying to guess the market.

Investing isn't gambling. We show you the difference between ETFs, funds and stocks, how a PPR retirement plan really works (not what your bank tries to sell you), and which platforms most people use in Portugal: DEGIRO, Trading 212, XTB. The focus is on passive, long-term strategies.

Online course, 8 sessions

  • ETFs vs funds vs stocks: the differences that matter
  • PPR retirement plans: the good, the bad and the disguised fees
  • Platforms in Portugal: DEGIRO, Trading 212, XTB, BiG
  • Compound interest, time horizon and why starting early matters
  • Risk vs horizon — building a portfolio that lets you sleep
  • →Anyone with savings sitting in a current account
  • →People who want to start investing but are afraid of losing it all
  • →People who already invest but don't really understand what they hold

Educational content. Not investment advice.

Credit & Mortgages

Negotiate a Portuguese mortgage like someone who knows what they're signing.

A home loan is the biggest financial decision most people in Portugal will ever make, and most sign without really understanding it. We teach you how to read a mortgage simulation, the difference between TAN and TAEG, the impact of the Euribor and how to renegotiate your spread.

Online workshop, 3 sessions

  • TAN, TAEG, spread and Euribor explained in plain English
  • Mortgage simulations — what to look at first
  • Renegotiating your spread (and when to switch banks)
  • Credit cards: when they make sense and when they're a trap
  • Personal loan vs credit card vs credit line — which is cheapest
  • →Anyone planning to buy a home in the next 2 years
  • →Anyone with a mortgage who wants to renegotiate
  • →Anyone who feels lost with credit cards