Hello people good afternoon to all

I'll talk about something I see and unfortunately it's very common to happen. The contraction of debts by someone, and can destroy the person or her family. I had the idea to write this text after having seen the video of Gustavo Cerbasi about who expects debt to expire.

So there are several ways for someone to get some debt. It can be from 10 cents to millions of reais. Apart from these two extremes, the great majority makes some debt related to a few thousand reais. When this happens, usually some of the factors listed below happen.

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1- Family and cultural training on small money, that is, the person grew up in a family where one or both caregivers were always contracting debts, that is, they lived with the rope around their necks. This kind of experience brought a vicarious learning (learning from others' behavior) about how to deal with money.

2- Be born in a family with low purchasing power or in a precarious socio-economic question. This causes a person to grow up in an environment with caregivers having a low cash flow (formal or informal work income), making any mistakes, however small, that could make this family in debt. The problem of debt is that it generally works on compound interest, exponentially increasing this debt to each day spent.

3- A person raised in a family that does not incur debts, however, does not make any financial reserves. Okay, this person tends to grow up and also do not do debt in life, spending everything he earns at work with items that over time, he will realize that they are unnecessary in his life. The problem here is when something serious happens and she needs to put the money she does not have. For example, a car crash that the insurance does not cover, a momentary unemployment of a few months or a serious health problem that the plan does not cover or that the person does not have a plan and needs urgent treatment ..... We can all go through it .... Without an emergency reserve, the debts for this person and your family will happen.

In these 3 cases, there is the responsibility of the person, who has not evolved in this financial part, maintaining the behavior of their caregivers, as well as a certain "external responsibility", especially in item 1 and 2, because, as we know, it is easier to evolve when we grow in a socio-cultural and financial environment that allows us to develop without problems that leave us "tied" ....

However, in these 3 cases people can evolve. Or they prepare to never spend more than they earn or increase their income. Even people who earn very little begin to learn by "obligation" to contain their expenses, living a more suffering life, but without debt.

The problem I bring in this post is linked to psychopaths and narcissists.

Common sense always puts perverse or non-perverse psychopaths and narcissists as rich people who get along in life. Even in novels, they are portrayed as the heads of some organization. However, this only happens in the common sense, therefore, several studies of psychiatrists and psychologists show that the majority of psychopaths / narcissists is mediocre. What happens to create this common sense idea is that most have a status superior to the money they have. Mostly narcissists, like to walk very well tidy, clean, with branded clothing, expensive perfume, expensive watch, etc ... without necessarily having the money for it.

Of course, anyone can enjoy this, depending on their maturity. Young people are usually attracted to this, because psychopaths / narcissists create the image that for one person to be special, one needs to be "superior" to the other in some way. As young people do not yet possess much self-knowledge, they tend to believe in these fallacies and have the same behavior as narcissists on these aesthetic issues. The problem is when the person does not mature, that is, always exhibits this same behavior. A personality who does not change in this way, always wanting to have status and to show others what he does not have with the money he does not have, presents an immense chance of being at least a narcissist.

These people can mistreat someone with just a glance, they may judge a person with several rude words for being poorly dressed for example or for having a simple car. But the chance they are full of debts to show off these things is too great. I've had an acquaintance who wears expensive clothes, knit, he's big, he's got an expensive cell phone, he's always saying that he knows several women, etc ... I, in my naivety in my twenties, thought the guy had a job very well paid. I kept thinking I might be a doctor, for example. But as I walked past an electronics store, I saw him arguing with other vendors who would serve the customer who entered the store, that is, not a profession of high cash flow. His expenses were far greater than his salary. For all its characteristics, there was a narcissist.

It is very necessary to be careful with this personality profile, because when we deal with them we can be involved in their "status web" and to be accepted by people like that, we will spend money that we do not have, going into debt behind debt. If he is only a narcissist, he will only tend to be judging, and may mistreat those who are not "in his height." If you're a psychopath, you'll notice the vulnerability of the victim and take advantage of his naivety to get money out of her somehow.

Usually these people are known as scammers. They can dress very well, use good words to manipulate the person and make them spend money, or if they work for something related to marketing, for example, they can always think of creating advertisements that make naive people spend their little money with issues, showing that using a particular product will achieve higher levels of acceptance. Another situation I thought of was a movie called "The First Million," in which a dishonest broker calls a family man and stirs up his emotions by saying that if he buys company x stock, give the family a better future. He used a strategy that did not let this man think too much. He manipulated him so that he made a quick decision without consulting his wife. In the end, the action of this company x collapsed, causing him to lose his savings and his family, as the wife left with her son, and was hurt because she had not participated in the financial decision of her husband, causing them to lose their savings of years


Thank you all for reading this extensive post.

Good Morning!!!!!