靜音
João Carloni OAB/SP 412.885
💣 Se você não planejar sua aposentadoria, alguém vai planejar por você. Spoiler: esse alguém é o INSS… e ele NÃO joga a seu favor. Aposentadoria não é sorte. Não é “quando der”. Não é “o que o sistema calcular”. 📉 Sem planejamento, o roteiro costuma ser esse: – benefício concedido no valor errado – tempo mal contado – regra pior aplicada – anos a mais de trabalho – prejuízo que dura o resto da vida 📈 Com planejamento previdenciário, o jogo muda: ✔ você escolhe a melhor regra
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