# Compounding Journey

> Compounding Journey is Sandy Bradbury's multilingual financial education site about money psychology, intentional investing, compound growth, personal budgeting, and building financial freedom around personal values.

The site is available in Spanish, English, and Portuguese. Each language has its own pre-rendered pages; nothing depends on JavaScript to become readable. It provides educational articles, interactive financial calculators, free downloadable Excel templates, a financial assessment that returns a personal snapshot and risk profile, information about Sandy Bradbury, and ways to follow or contact the project. The content and tools are general educational resources and do not replace personalized financial advice.

The complete text of this site — every FAQ answer and every article, in all three languages — is available in a single file: [llms-full.txt](https://compoundingjourney.com/llms-full.txt).

## Home Pages

- [Español](https://compoundingjourney.com/)
- [English](https://compoundingjourney.com/en/)
- [Português](https://compoundingjourney.com/pt/)

## Main Topics and Tools

- [Financial education pillars](https://compoundingjourney.com/#pilares): money psychology, intentional investing, sustainable habits, and financial freedom.
- [Financial calculators](https://compoundingjourney.com/#herramientas): compound interest, financial freedom, and purchase cost in working hours.
- [Excel templates](https://compoundingjourney.com/#plantillas): free personal budgeting and expense-management resources.
- [Financial assessment](https://compoundingjourney.com/#assessment): the personal financial balance and investment profile questionnaires, and the snapshot, risk profile, and recommended roadmap they produce.
- [Frequently asked questions](https://compoundingjourney.com/#preguntas-frecuentes): direct answers about the 4% rule, what FIRE means and its variants, compound growth, saving versus investing, financial advisors, the cost-in-hours calculator, investment risk profiles, Excel budget templates, and the educational scope of the content.
- [About Sandy Bradbury](https://compoundingjourney.com/es/sobre-mi/): who writes the site, what is and is not being claimed, and the six rules the material is written under. The home page carries a short version of the same under its https://compoundingjourney.com/#biografia heading.
- [Contact](https://compoundingjourney.com/#contacto): the newsletter and a direct contact form.

## Blog

- [Blog en español](https://compoundingjourney.com/es/blog/)
- [Blog in English](https://compoundingjourney.com/en/blog/)
- [Blog em português](https://compoundingjourney.com/pt/blog/)

Every article is published as its own page under `/{language}/blog/{slug}/` and
all of them are listed in [the sitemap](https://compoundingjourney.com/sitemap.xml). Each language
also publishes an RSS feed, which is the cheapest way to learn about a new
article without re-crawling the index:

- [Blog en español — RSS](https://compoundingjourney.com/es/blog/feed.xml)
- [Blog in English — RSS](https://compoundingjourney.com/en/blog/feed.xml)
- [Blog em português — RSS](https://compoundingjourney.com/pt/blog/feed.xml)

### Español

- [Aumenta tu productividad diaria con herramientas de Lean management](https://compoundingjourney.com/es/blog/aumenta-tu-productividad-diaria-con-herramientas-de-lean-management/): Creada para las fábricas de Toyota, la metodología Lean puede transformar tu enfoque personal. Descubre cómo 5S, Kanban y Kaizen reducen la fatiga mental.
- [La psicología de las decisiones de dinero: por qué saber las cuentas no basta](https://compoundingjourney.com/es/blog/la-psicologia-de-las-decisiones-de-dinero-por-que-saber-las-cuentas-no-basta/): Nadie fracasa con el dinero por no saber calcular un interés compuesto. Cuesta porque la decisión llega en un instante y la consecuencia llega en una década, y la mente no está hecha para ese hueco.
- [Inversión para principiantes: guía básica para hacer crecer tu dinero](https://compoundingjourney.com/es/blog/inversion-para-principiantes-guia-basica-para-hacer-crecer-tu-dinero/): Invertir no es solo para ricos. Aprende sobre acciones, bonos, ETFs y robo-advisors para empezar a construir crecimiento compuesto desde hoy.
- [Los ingresos pasivos no son una sola cosa: cuatro motores y lo que cuesta cada uno](https://compoundingjourney.com/es/blog/los-ingresos-pasivos-no-son-una-sola-cosa-cuatro-motores-y-lo-que-cuesta-cada-uno/): Un fondo de dividendos, un piso alquilado, una escalera de bonos y un producto que vendiste una vez son cuatro máquinas distintas. Se diferencian en el capital que piden, en las horas que exigen en silencio y en cómo se rompen.
- [Qué enseña un siglo de historia de los mercados: caídas, recuperación y diversificación](https://compoundingjourney.com/es/blog/que-ensena-un-siglo-de-historia-de-los-mercados-caidas-recuperacion-y-diversificacion/): «A largo plazo la bolsa sube» es cierto y casi inútil. Los números que deciden si aguantas invertido son la profundidad de las caídas, cuánto duraron y qué le hicieron a una cartera mixta.
- [Riesgo de secuencia: por qué el orden de las rentabilidades decide tu jubilación](https://compoundingjourney.com/es/blog/riesgo-de-secuencia-de-rentabilidades-por-que-el-orden-decide-tu-jubilacion/): La misma rentabilidad media puede dejar a un jubilado tranquilo y a otro sin dinero. Lo que lo decide es el orden en que llegan los años buenos y malos, y eso es justo lo que ninguna media puede mostrarte.
- [Tu tasa de ahorro, no tu sueldo, fija la fecha en que eres libre](https://compoundingjourney.com/es/blog/tu-tasa-de-ahorro-no-tu-sueldo-fija-la-fecha-en-que-eres-libre/): Cuando haces las cuentas de la independencia financiera pasa algo extraño: tus ingresos se cancelan. Lo que queda es la diferencia entre lo que ganas y lo que gastas, y esa diferencia fija una fecha.
- [Gestión de deudas: cómo salir y mantenerte fuera de ellas](https://compoundingjourney.com/es/blog/gestion-de-deudas-como-salir-y-mantenerte-fuera-de-ellas/): La deuda puede ser abrumadora, pero la estrategia correcta lo cambia todo. Compara Deuda Buena vs. Mala y aprende los métodos Bola de Nieve y Avalancha.
- [Pon tu dinero a trabajar: genera ingresos mientras duermes](https://compoundingjourney.com/es/blog/poner-tu-dinero-a-trabajar-genera-ingresos-mientras-duermes/): El ahorro solo no construye riqueza debido a la inflación. Descubre cómo el crecimiento compuesto y las inversiones generan ingresos mientras duermes.
- [Gastar con propósito: cómo alinear tu dinero con lo que realmente importa](https://compoundingjourney.com/es/blog/gastar-con-proposito-como-alinear-tu-dinero-con-lo-que-realmente-importa/): El crecimiento financiero no exige eliminar tus alegrías, sino gastar con intencionalidad. Alinear tus compras con tus valores te dará libertad.
- [Fundamentos de las finanzas personales: cómo controlar gastos y crear riqueza](https://compoundingjourney.com/es/blog/fundamentos-de-las-finanzas-personales-como-controlar-gastos-y-crear-riqueza/): Descubre consejos simples para presupuestar, rastrear tus gastos y tomar decisiones financieras inteligentes para alcanzar la libertad sin renunciar a lo que te hace feliz.
- [Cómo crear riqueza con buenos hábitos financieros: lecciones de Padre Rico, Padre Pobre](https://compoundingjourney.com/es/blog/como-crear-riqueza-con-buenos-habitos-financieros-lecciones-de-padre-rico-padre-pobre/): Descubre cómo construir riqueza a largo plazo con buenos hábitos financieros. Aprende la diferencia entre activos, pasivos, deuda buena y flujo de caja.
- [Págate a ti mismo primero: el hábito clave para crear riqueza](https://compoundingjourney.com/es/blog/pagate-a-ti-mismo-primero-el-habito-clave-para-crear-riqueza/): Descubre cómo ahorrar un porcentaje fijo antes de gastar romperá el ciclo de vivir al día y te ayudará a construir tu fondo de emergencia.
- [El sistema de dinero lento: una forma más tranquila de crear patrimonio](https://compoundingjourney.com/es/blog/sistema-dinero-lento/): Un ritmo semanal práctico que sustituye la urgencia financiera por unas pocas decisiones sostenibles.

### English

- [Boost Your Daily Productivity with Lean Management Tools](https://compoundingjourney.com/en/blog/boost-your-daily-productivity-with-lean-management-tools/): Originally built for Toyota factories, Lean management can transform your personal focus. Learn how 5S, Kanban, and Kaizen reduce mental friction and unlock daily productivity.
- [The Psychology of Money Decisions: Why Knowing the Math Is Not Enough](https://compoundingjourney.com/en/blog/the-psychology-of-money-decisions-why-knowing-the-maths-is-not-enough/): Nobody fails at money because they can't calculate compound interest. They struggle because the decision arrives in a moment and the consequence arrives in a decade, and the mind simply isn't built for that gap.
- [Investing 101: A Beginner’s Guide to Growing Your Wealth](https://compoundingjourney.com/en/blog/investing-101-a-beginner-s-guide-to-growing-your-wealth/): Investing isn't just for the wealthy. Learn the basics of stocks, bonds, ETFs, and robo-advisors to start building long-term compound growth today.
- [Passive Income Is Not One Thing: Four Engines and What Each One Costs](https://compoundingjourney.com/en/blog/passive-income-is-not-one-thing-four-engines-and-what-each-one-costs/): A dividend fund, a rented flat, a bond ladder and a course you sold once are four completely different machines. They differ in the capital they need, the hours they quietly ask for, and the way they break.
- [What a Century of Market History Teaches: Drawdowns, Recovery and Diversification](https://compoundingjourney.com/en/blog/what-a-century-of-market-history-teaches-drawdowns-recovery-and-diversification/): “Over the long run the market goes up” is a true sentence and an almost useless one. The numbers that decide whether you stay invested are how deep the falls went, how long they lasted, and what they did to a mixed portfolio.
- [Sequence-of-Returns Risk: Why the Order of Returns Decides Your Retirement](https://compoundingjourney.com/en/blog/sequence-of-returns-risk-why-the-order-of-returns-decides-your-retirement/): Two people can retire with the same money and earn the same average return, and still end up in very different places. What separates them is the order the good and bad years arrive in — and that's the one thing an average can never show you.
- [Your Savings Rate, Not Your Salary, Sets the Date You Become Free](https://compoundingjourney.com/en/blog/your-savings-rate-not-your-salary-sets-the-date-you-become-free/): Work through the arithmetic of financial independence and something strange happens: your income cancels out. What's left is the gap between what you earn and what you spend, and that gap sets a date.
- [Debt Management: How to Get Out and Stay Out of Debt](https://compoundingjourney.com/en/blog/debt-management-how-to-get-out-and-stay-out-of-debt/): Debt can feel overwhelming, but the right strategy can change everything. Compare Good vs. Bad Debt and learn the Snowball vs. Avalanche payoff methods.
- [Put Your Money to Work: Make Money While You Sleep](https://compoundingjourney.com/en/blog/putting-your-money-to-work-make-money-while-you-sleep/): Saving alone won't build wealth due to inflation. Discover how compound growth, stocks, real estate, and passive streams let your money work while you sleep.
- [Spending with Purpose: How to Align Your Money with What Truly Matters](https://compoundingjourney.com/en/blog/spending-with-purpose-how-to-align-your-money-with-what-truly-matters/): Financial growth isn't about cutting all joy—it's about intentional spending. Discover how aligning purchases with your core values unlocks lasting freedom.
- [Foundations of Personal Finance: How to Control Expenses and Build Wealth](https://compoundingjourney.com/en/blog/foundations-of-personal-finance-how-to-control-expenses-and-build-wealth/): Discover simple tips for budgeting, tracking expenses, and making smarter money choices to achieve financial freedom without giving up what makes you happy.
- [Building Wealth Through Good Financial Habits: Key Lessons from Rich Dad, Poor Dad](https://compoundingjourney.com/en/blog/building-wealth-through-good-financial-habits-key-lessons-from-rich-dad-poor-dad/): Discover how to build long-term wealth using proven financial habits from Rich Dad, Poor Dad. Learn the key differences between assets, liabilities, good debt, and cash flow.
- [Pay Yourself First: The Simple Habit to Build Lasting Wealth](https://compoundingjourney.com/en/blog/pay-yourself-first-the-simple-habit-to-build-lasting-wealth/): Learn how saving a fixed percentage before spending can break the paycheck-to-paycheck cycle and help you easily build an emergency fund.
- [The Slow Money System: A Calmer Way to Build Wealth](https://compoundingjourney.com/en/blog/slow-money-system/): A practical weekly rhythm that replaces financial urgency with a small set of repeatable decisions.

### Português

- [Aumente sua produtividade diária com ferramentas de Lean management](https://compoundingjourney.com/pt/blog/aumente-sua-produtividade-diaria-com-ferramentas-de-lean-management/): Criada para as fábricas da Toyota, a metodologia Lean pode transformar seu foco pessoal. Descubra como 5S, Kanban e Kaizen reduzem a fadiga mental.
- [A psicologia das decisões de dinheiro: por que saber as contas não basta](https://compoundingjourney.com/pt/blog/a-psicologia-das-decisoes-de-dinheiro-por-que-saber-as-contas-nao-basta/): Ninguém fracassa com dinheiro por não saber calcular juros compostos. Fracassa porque a decisão chega em um instante e a consequência chega em uma década, e a mente não foi feita para esse intervalo.
- [Investimento para iniciantes: guia básico para fazer crescer o seu patrimônio](https://compoundingjourney.com/pt/blog/investimento-para-iniciantes-guia-basico-para-fazer-crescer-o-seu-patrimonio/): Investir não é apenas para ricos. Aprenda os conceitos de ações, títulos, ETFs e robo-advisors para começar a criar crescimento composto hoje.
- [O que ensina um século de história dos mercados: quedas, recuperação e diversificação](https://compoundingjourney.com/pt/blog/o-que-ensina-um-seculo-de-historia-dos-mercados-quedas-recuperacao-e-diversificacao/): «No longo prazo a bolsa sobe» é verdade e quase inútil. Os números que decidem se você continua investido são a profundidade das quedas, quanto tempo elas duraram e o que fizeram com uma carteira mista.
- [Rendimento passivo não é uma só coisa: quatro motores e o que cada um custa](https://compoundingjourney.com/pt/blog/rendimento-passivo-nao-e-uma-so-coisa-quatro-motores-e-o-que-cada-um-custa/): Um fundo de dividendos, um apartamento alugado, uma escada de títulos e um produto que você vendeu uma vez são quatro máquinas diferentes. Elas diferem no capital que pedem, nas horas que exigem em silêncio e em como quebram.
- [Risco de sequência: por que a ordem das rentabilidades decide a sua aposentadoria](https://compoundingjourney.com/pt/blog/risco-de-sequencia-por-que-a-ordem-das-rentabilidades-decide-a-sua-aposentadoria/): A mesma rentabilidade média pode deixar um aposentado tranquilo e outro sem dinheiro. O que decide é a ordem em que chegam os anos bons e os ruins, e isso é justamente o que nenhuma média consegue mostrar.
- [Sua taxa de poupança, não seu salário, define a data em que você fica livre](https://compoundingjourney.com/pt/blog/sua-taxa-de-poupanca-nao-seu-salario-define-a-data-em-que-voce-fica-livre/): Quando você faz a conta da independência financeira acontece algo estranho: sua renda se cancela. O que sobra é a diferença entre o que você ganha e o que gasta, e essa diferença define uma data.
- [Gestão de dívidas: como sair e manter-se livre das dívidas](https://compoundingjourney.com/pt/blog/gestao-de-dividas-como-sair-e-manter-se-livre-das-dividas/): As dívidas podem ser esmagadoras, mas a estratégia certa muda tudo. Compare Dívida Boa vs. Má e aprenda os métodos Bola de Neve e Avalancha.
- [Faça seu dinheiro trabalhar: ganhe dinheiro enquanto dorme](https://compoundingjourney.com/pt/blog/por-seu-dinheiro-a-trabalhar-faca-dinheiro-enquanto-dorme/): Poupar sozinho não constrói riqueza devido à inflação. Descubra como os juros compostos e os investimentos geram rendimento enquanto dorme.
- [Gastar com propósito: como alinhar o seu dinheiro com o que realmente importa](https://compoundingjourney.com/pt/blog/gastar-com-proposito-como-alinhar-o-seu-dinheiro-com-o-que-realmente-importa/): O crescimento financeiro não exige cortar todas as alegrias, mas sim gastar com intenção. Alinhe as suas compras com os seus valores e alcance a liberdade.
- [Fundamentos das finanças pessoais: como controlar despesas e criar riqueza](https://compoundingjourney.com/pt/blog/fundamentos-das-financas-pessoais-como-controlar-despesas-e-criar-riqueza/): Descubra dicas simples para criar orçamentos, rastrear despesas e tomar decisões financeiras inteligentes para alcançar a liberdade sem abrir mão do que te faz feliz.
- [Como construir riqueza com bons hábitos financeiros: lições de Pai Rico, Pai Pobre](https://compoundingjourney.com/pt/blog/como-construir-riqueza-com-bons-habitos-financeiros-licoes-de-pai-rico-pai-pobre/): Aprenda a construir riqueza de longo prazo com bons hábitos financeiros. Entenda a diferença entre ativos, passivos, dívida boa e fluxo de caixa.
- [Pague-se a si mesmo primeiro: o hábito chave para criar riqueza](https://compoundingjourney.com/pt/blog/pague-se-a-si-mesmo-primeiro-o-habito-chave-para-criar-riqueza/): Descubra como poupar uma porcentagem fixa antes de gastar pode romper o ciclo de viver de salário em salário e construir o seu fundo de emergência.
- [O sistema do dinheiro lento: uma forma mais tranquila de construir patrimônio](https://compoundingjourney.com/pt/blog/sistema-dinheiro-lento/): Um ritmo semanal prático que troca a urgência financeira por poucas decisões sustentáveis.

## Interactive Simulators

Five simulators, each a page of its own that runs in the reader's browser. The
indexes listing all five are
[Español](https://compoundingjourney.com/es/simulators/), [English](https://compoundingjourney.com/en/simulators/), [Português](https://compoundingjourney.com/pt/simulators/).

### Español

- [Simulador de Finanzas Personales y Riqueza](https://compoundingjourney.com/es/simulator.html): Practica decisiones financieras cotidianas y observa su efecto en tu patrimonio, flujo de caja, felicidad y conocimiento.
- [Calendario de la Libertad](https://compoundingjourney.com/es/simulators/freedom-calendar.html): Convierte objetivos financieros en una línea de tiempo visual hacia mayores niveles de libertad.
- [Máquina del Tiempo del Mercado](https://compoundingjourney.com/es/simulators/market-time-machine.html): Compara carteras durante ciclos y crisis históricas desde 1920.
- [Motor de Ingresos Pasivos](https://compoundingjourney.com/es/simulators/passive-income-engine.html): Construye activos productivos y sigue el crecimiento de los ingresos pasivos.
- [Vuelo de Supervivencia FIRE Monte Carlo](https://compoundingjourney.com/es/simulators/monte-carlo-fire.html): Pon a prueba retiradas de jubilación en miles de futuros de mercado posibles.

### English

- [Personal Finance & Wealth Simulator](https://compoundingjourney.com/en/simulator.html): Practice everyday money decisions and see their effects on wealth, cash flow, happiness, and financial knowledge.
- [Freedom Calendar](https://compoundingjourney.com/en/simulators/freedom-calendar.html): Turn financial goals into a visual timeline toward increasing levels of freedom.
- [Market Time Machine](https://compoundingjourney.com/en/simulators/market-time-machine.html): Compare portfolios through market cycles and historic crises from 1920 onward.
- [Passive Income Engine](https://compoundingjourney.com/en/simulators/passive-income-engine.html): Build income-producing assets and track passive cash flow over time.
- [Monte Carlo FIRE Survival Flight](https://compoundingjourney.com/en/simulators/monte-carlo-fire.html): Stress-test retirement withdrawals across thousands of possible market futures.

### Português

- [Simulador de Finanças Pessoais e Riqueza](https://compoundingjourney.com/pt/simulator.html): Pratica decisões financeiras quotidianas e observa o efeito no património, fluxo de caixa, felicidade e conhecimento.
- [Calendário da Liberdade](https://compoundingjourney.com/pt/simulators/freedom-calendar.html): Transforma objetivos financeiros numa linha temporal visual rumo a maiores níveis de liberdade.
- [Máquina do Tempo do Mercado](https://compoundingjourney.com/pt/simulators/market-time-machine.html): Compara carteiras durante ciclos e crises históricas desde 1920.
- [Motor de Rendimento Passivo](https://compoundingjourney.com/pt/simulators/passive-income-engine.html): Constrói ativos produtivos e acompanha o crescimento do rendimento passivo.
- [Voo de Sobrevivência FIRE Monte Carlo](https://compoundingjourney.com/pt/simulators/monte-carlo-fire.html): Testa levantamentos de reforma em milhares de futuros de mercado possíveis.

## Calculators

Each calculator has its own page, runs entirely in the reader's browser, and
stores nothing. The three indexes are
[Español](https://compoundingjourney.com/es/calculadoras/), [English](https://compoundingjourney.com/en/calculators/), [Português](https://compoundingjourney.com/pt/calculadoras/).

### Español

- [Calculadora de interés compuesto](https://compoundingjourney.com/es/calculadoras/interes-compuesto/): Calcula cuánto crecerá tu dinero con aportaciones mensuales y una rentabilidad anual. Gratis, sin registro y con el cálculo en tu propio navegador.
- [Calculadora de libertad financiera](https://compoundingjourney.com/es/calculadoras/libertad-financiera/): Descubre cuánto patrimonio necesitas para vivir de tus inversiones y cuánto tendrías que ahorrar cada mes para llegar a esa cifra.
- [Calculadora del coste en horas de vida](https://compoundingjourney.com/es/calculadoras/coste-en-horas-de-vida/): Convierte el precio de cualquier compra en las horas de trabajo que cuesta. Una forma distinta —y más honesta— de mirar un gasto.

### English

- [Compound interest calculator](https://compoundingjourney.com/en/calculators/compound-interest/): Work out how much your money will grow with monthly contributions and an annual return. Free, no sign-up, and the math runs in your own browser.
- [Financial freedom calculator](https://compoundingjourney.com/en/calculators/financial-freedom/): Find out how much wealth you need to live off your investments, and how much you would have to save each month to get there.
- [Life cost calculator](https://compoundingjourney.com/en/calculators/life-cost-in-hours/): Convert the price of any purchase into the hours of work it costs. A different, and more honest, way to look at spending.

### Português

- [Calculadora de juros compostos](https://compoundingjourney.com/pt/calculadoras/juros-compostos/): Calcula quanto o seu dinheiro vai crescer com aportes mensais e uma rentabilidade anual. Grátis, sem cadastro e com o cálculo no seu próprio navegador.
- [Calculadora de liberdade financeira](https://compoundingjourney.com/pt/calculadoras/liberdade-financeira/): Descubra quanto patrimônio você precisa para viver dos seus investimentos e quanto teria de poupar por mês para chegar a esse valor.
- [Calculadora do custo em horas de vida](https://compoundingjourney.com/pt/calculadoras/custo-em-horas-de-vida/): Converte o preço de qualquer compra nas horas de trabalho que custa. Uma forma diferente —e mais honesta— de olhar para uma despesa.

## Excel Templates

One page per template, each describing what is inside the file before it is
downloaded. Indexes:
[Español](https://compoundingjourney.com/es/plantillas/), [English](https://compoundingjourney.com/en/templates/), [Português](https://compoundingjourney.com/pt/modelos/).

### Español

- [Análisis financiero personal mensual](https://compoundingjourney.com/es/plantillas/analisis-balance-mensual/): Plantilla de Excel gratuita para hacer el balance de tu mes: ingresos, gastos, activos y pasivos en una sola foto. Sin registro y sin dejar tu correo.
- [Gestión de gastos](https://compoundingjourney.com/es/plantillas/gestion-de-gastos/): Plantilla de Excel gratuita para registrar cada gasto durante 15 días o un mes y ver con datos adónde se va tu dinero. Sin registro y sin dejar tu correo.
- [Presupuesto personal](https://compoundingjourney.com/es/plantillas/presupuesto-personal/): Plantilla de Excel gratuita para comparar la distribución real de tu dinero con el presupuesto que quieres tener. Sin registro y sin dejar tu correo.

### English

- [Monthly personal finances analysis](https://compoundingjourney.com/en/templates/monthly-balance-analysis/): A free Excel template for taking stock of your month: income, spending, assets and liabilities in one picture. No signup, no email required.
- [Expense management](https://compoundingjourney.com/en/templates/expense-management/): A free Excel template for recording every expense for 15 days or a month, so you can see where your money actually goes. No signup, no email required.
- [Personal budget](https://compoundingjourney.com/en/templates/personal-budget/): A free Excel template for comparing where your money actually goes with the budget you want to have. No signup, no email required.

### Português

- [Análise financeira pessoal mensal](https://compoundingjourney.com/pt/modelos/analise-balanco-mensal/): Modelo de Excel gratuito para fazer o balanço do seu mês: rendimentos, despesas, ativos e passivos numa única fotografia. Sem registro e sem deixar o seu e-mail.
- [Gestão de despesas](https://compoundingjourney.com/pt/modelos/gestao-de-despesas/): Modelo de Excel gratuito para registrar todas as despesas durante 15 dias ou um mês e ver com dados para onde vai o seu dinheiro. Sem registro e sem deixar o seu e-mail.
- [Orçamento pessoal](https://compoundingjourney.com/pt/modelos/orcamento-pessoal/): Modelo de Excel gratuito para comparar a distribuição real do seu dinheiro com o orçamento que quer ter. Sem registro e sem deixar o seu e-mail.

## Glossary

33 terms, each with its own page giving a one-line definition, a
longer explanation, and links to the calculators and articles that use it.
Indexes: [Español](https://compoundingjourney.com/es/glosario/), [English](https://compoundingjourney.com/en/glossary/), [Português](https://compoundingjourney.com/pt/glossario/).

### Español

- [Interés compuesto](https://compoundingjourney.com/es/glosario/interes-compuesto/)
- [Inflación](https://compoundingjourney.com/es/glosario/inflacion/)
- [Rentabilidad real](https://compoundingjourney.com/es/glosario/rentabilidad-real/)
- [Fondo indexado](https://compoundingjourney.com/es/glosario/fondo-indexado/)
- [ETF](https://compoundingjourney.com/es/glosario/etf/)
- [TER (coste total)](https://compoundingjourney.com/es/glosario/ter-coste-total/)
- [Aportación periódica (DCA)](https://compoundingjourney.com/es/glosario/aportacion-periodica-dca/)
- [Diversificación](https://compoundingjourney.com/es/glosario/diversificacion/)
- [Distribución de activos](https://compoundingjourney.com/es/glosario/distribucion-de-activos/)
- [Rebalanceo](https://compoundingjourney.com/es/glosario/rebalanceo/)
- [Volatilidad](https://compoundingjourney.com/es/glosario/volatilidad/)
- [Caída máxima (drawdown)](https://compoundingjourney.com/es/glosario/caida-maxima-drawdown/)
- [Regla del 4 %](https://compoundingjourney.com/es/glosario/regla-del-4-por-ciento/)
- [Tasa segura de retirada](https://compoundingjourney.com/es/glosario/tasa-segura-de-retirada/)
- [FIRE (independencia financiera)](https://compoundingjourney.com/es/glosario/fire-independencia-financiera/)
- [Riesgo de secuencia de rentabilidades](https://compoundingjourney.com/es/glosario/riesgo-de-secuencia-de-rentabilidades/)
- [Simulación de Monte Carlo](https://compoundingjourney.com/es/glosario/simulacion-de-monte-carlo/)
- [Fondo de emergencia](https://compoundingjourney.com/es/glosario/fondo-de-emergencia/)
- [Patrimonio neto](https://compoundingjourney.com/es/glosario/patrimonio-neto/)
- [Tasa de ahorro](https://compoundingjourney.com/es/glosario/tasa-de-ahorro/)
- [Flujo de caja personal](https://compoundingjourney.com/es/glosario/flujo-de-caja-personal/)
- [Coste de oportunidad](https://compoundingjourney.com/es/glosario/coste-de-oportunidad/)
- [Aversión a la pérdida](https://compoundingjourney.com/es/glosario/aversion-a-la-perdida/)
- [Inflación del estilo de vida](https://compoundingjourney.com/es/glosario/inflacion-del-estilo-de-vida/)
- [Contabilidad mental](https://compoundingjourney.com/es/glosario/contabilidad-mental/)
- [Sesgo de recencia](https://compoundingjourney.com/es/glosario/sesgo-de-recencia/)
- [Adaptación hedónica](https://compoundingjourney.com/es/glosario/adaptacion-hedonica/)
- [Sesgo del presente](https://compoundingjourney.com/es/glosario/sesgo-del-presente/)
- [Págate a ti primero](https://compoundingjourney.com/es/glosario/pagate-a-ti-primero/)
- [Ingresos pasivos](https://compoundingjourney.com/es/glosario/ingresos-pasivos/)
- [Coste en horas de vida](https://compoundingjourney.com/es/glosario/coste-en-horas-de-vida/)
- [Interés compuesto de la deuda](https://compoundingjourney.com/es/glosario/interes-compuesto-de-la-deuda/)
- [Tiempo en el mercado](https://compoundingjourney.com/es/glosario/tiempo-en-el-mercado/)

### English

- [Compound interest](https://compoundingjourney.com/en/glossary/compound-interest/)
- [Inflation](https://compoundingjourney.com/en/glossary/inflation/)
- [Real return](https://compoundingjourney.com/en/glossary/real-return/)
- [Index fund](https://compoundingjourney.com/en/glossary/index-fund/)
- [ETF](https://compoundingjourney.com/en/glossary/etf/)
- [TER (total expense ratio)](https://compoundingjourney.com/en/glossary/ter-total-expense-ratio/)
- [Dollar cost averaging (DCA)](https://compoundingjourney.com/en/glossary/dollar-cost-averaging/)
- [Diversification](https://compoundingjourney.com/en/glossary/diversification/)
- [Asset allocation](https://compoundingjourney.com/en/glossary/asset-allocation/)
- [Rebalancing](https://compoundingjourney.com/en/glossary/rebalancing/)
- [Volatility](https://compoundingjourney.com/en/glossary/volatility/)
- [Drawdown](https://compoundingjourney.com/en/glossary/drawdown/)
- [4% rule](https://compoundingjourney.com/en/glossary/four-percent-rule/)
- [Safe withdrawal rate](https://compoundingjourney.com/en/glossary/safe-withdrawal-rate/)
- [FIRE (financial independence)](https://compoundingjourney.com/en/glossary/fire-financial-independence/)
- [Sequence of returns risk](https://compoundingjourney.com/en/glossary/sequence-of-returns-risk/)
- [Monte Carlo simulation](https://compoundingjourney.com/en/glossary/monte-carlo-simulation/)
- [Emergency fund](https://compoundingjourney.com/en/glossary/emergency-fund/)
- [Net worth](https://compoundingjourney.com/en/glossary/net-worth/)
- [Savings rate](https://compoundingjourney.com/en/glossary/savings-rate/)
- [Personal cash flow](https://compoundingjourney.com/en/glossary/personal-cash-flow/)
- [Opportunity cost](https://compoundingjourney.com/en/glossary/opportunity-cost/)
- [Loss aversion](https://compoundingjourney.com/en/glossary/loss-aversion/)
- [Lifestyle creep](https://compoundingjourney.com/en/glossary/lifestyle-creep/)
- [Mental accounting](https://compoundingjourney.com/en/glossary/mental-accounting/)
- [Recency bias](https://compoundingjourney.com/en/glossary/recency-bias/)
- [Hedonic adaptation](https://compoundingjourney.com/en/glossary/hedonic-adaptation/)
- [Present bias](https://compoundingjourney.com/en/glossary/present-bias/)
- [Pay yourself first](https://compoundingjourney.com/en/glossary/pay-yourself-first/)
- [Passive income](https://compoundingjourney.com/en/glossary/passive-income/)
- [Life cost (cost in hours)](https://compoundingjourney.com/en/glossary/life-cost-in-hours/)
- [Compounding debt](https://compoundingjourney.com/en/glossary/compounding-debt/)
- [Time in the market](https://compoundingjourney.com/en/glossary/time-in-the-market/)

### Português

- [Juros compostos](https://compoundingjourney.com/pt/glossario/juros-compostos/)
- [Inflação](https://compoundingjourney.com/pt/glossario/inflacao/)
- [Rentabilidade real](https://compoundingjourney.com/pt/glossario/rentabilidade-real/)
- [Fundo de índice](https://compoundingjourney.com/pt/glossario/fundo-de-indice/)
- [ETF](https://compoundingjourney.com/pt/glossario/etf/)
- [TER (custo total)](https://compoundingjourney.com/pt/glossario/ter-custo-total/)
- [Investimento periódico (DCA)](https://compoundingjourney.com/pt/glossario/investimento-periodico-dca/)
- [Diversificação](https://compoundingjourney.com/pt/glossario/diversificacao/)
- [Alocação de ativos](https://compoundingjourney.com/pt/glossario/alocacao-de-ativos/)
- [Rebalanceamento](https://compoundingjourney.com/pt/glossario/rebalanceamento/)
- [Volatilidade](https://compoundingjourney.com/pt/glossario/volatilidade/)
- [Queda máxima (drawdown)](https://compoundingjourney.com/pt/glossario/queda-maxima-drawdown/)
- [Regra dos 4%](https://compoundingjourney.com/pt/glossario/regra-dos-4-por-cento/)
- [Taxa segura de retirada](https://compoundingjourney.com/pt/glossario/taxa-segura-de-retirada/)
- [FIRE (independência financeira)](https://compoundingjourney.com/pt/glossario/fire-independencia-financeira/)
- [Risco de sequência de rentabilidades](https://compoundingjourney.com/pt/glossario/risco-de-sequencia-de-rentabilidades/)
- [Simulação de Monte Carlo](https://compoundingjourney.com/pt/glossario/simulacao-de-monte-carlo/)
- [Fundo de emergência](https://compoundingjourney.com/pt/glossario/fundo-de-emergencia/)
- [Patrimônio líquido](https://compoundingjourney.com/pt/glossario/patrimonio-liquido/)
- [Taxa de poupança](https://compoundingjourney.com/pt/glossario/taxa-de-poupanca/)
- [Fluxo de caixa pessoal](https://compoundingjourney.com/pt/glossario/fluxo-de-caixa-pessoal/)
- [Custo de oportunidade](https://compoundingjourney.com/pt/glossario/custo-de-oportunidade/)
- [Aversão à perda](https://compoundingjourney.com/pt/glossario/aversao-a-perda/)
- [Inflação do estilo de vida](https://compoundingjourney.com/pt/glossario/inflacao-do-estilo-de-vida/)
- [Contabilidade mental](https://compoundingjourney.com/pt/glossario/contabilidade-mental/)
- [Viés de recência](https://compoundingjourney.com/pt/glossario/vies-de-recencia/)
- [Adaptação hedônica](https://compoundingjourney.com/pt/glossario/adaptacao-hedonica/)
- [Viés do presente](https://compoundingjourney.com/pt/glossario/vies-do-presente/)
- [Pague-se primeiro](https://compoundingjourney.com/pt/glossario/pague-se-primeiro/)
- [Rendimento passivo](https://compoundingjourney.com/pt/glossario/rendimento-passivo/)
- [Custo em horas de vida](https://compoundingjourney.com/pt/glossario/custo-em-horas-de-vida/)
- [Juros compostos da dívida](https://compoundingjourney.com/pt/glossario/juros-compostos-da-divida/)
- [Tempo no mercado](https://compoundingjourney.com/pt/glossario/tempo-no-mercado/)

## Blog Categories

### Español

- [Hábitos financieros](https://compoundingjourney.com/es/blog/categoria/habitos-financieros/): Artículos sobre hábitos financieros: ahorro automático, control de gastos, salir de deudas y los sistemas que sobreviven a un mes malo.
- [Inversión](https://compoundingjourney.com/es/blog/categoria/inversion/): Artículos sobre inversión a largo plazo: interés compuesto, diversificación, horizonte temporal y los errores de comportamiento que cuestan más que las comisiones.
- [Diseño de vida](https://compoundingjourney.com/es/blog/categoria/diseno-de-vida/): Artículos sobre el dinero como medio: propósito, coste en horas de vida, decidir qué es suficiente y gastar de acuerdo con lo que te importa.

### English

- [Money habits](https://compoundingjourney.com/en/blog/category/money-habits/): Articles on money habits: automatic saving, tracking spending, getting out of debt, and the systems that survive a bad month.
- [Investing](https://compoundingjourney.com/en/blog/category/investing/): Articles on long-term investing: compound interest, diversification, time horizon, and the behavioral mistakes that cost more than fees.
- [Life design](https://compoundingjourney.com/en/blog/category/life-design/): Articles on money as a means: purpose, the cost of a purchase in hours of your life, deciding what counts as enough, and spending in line with what matters.

### Português

- [Hábitos financeiros](https://compoundingjourney.com/pt/blog/categoria/habitos-financeiros/): Artigos sobre hábitos financeiros: poupança automática, controle de despesas, sair das dívidas e os sistemas que sobrevivem a um mês mau.
- [Investimentos](https://compoundingjourney.com/pt/blog/categoria/investimentos/): Artigos sobre investimento a longo prazo: juros compostos, diversificação, horizonte temporal e os erros de comportamento que custam mais do que as comissões.
- [Design de vida](https://compoundingjourney.com/pt/blog/categoria/design-de-vida/): Artigos sobre o dinheiro como meio: propósito, custo em horas de vida, decidir o que é suficiente e gastar de acordo com o que importa para você.

## About the Author

Sandy Bradbury, financial educator, resident in Spain, writing in Spanish,
English and Portuguese. Not an accredited financial adviser and not a regulated
firm: no personal investment recommendations are given, no client money is held
or managed, no financial products are sold, and no commission is taken for
mentioning one. What is offered is education - explaining concepts, going
through a reader's own numbers, and preparing the questions they will put to a
registered professional.

How the material is made, each point verifiable elsewhere on the site: claims
are cited, and every article ends with sources saying which claim each one
supports; published figures state their sample size and are withheld below a
declared minimum; the calculators, templates, glossary and simulators are free
with no sign-up and no email; there are no affiliate links, no sponsored
content and no product recommendations; page views are counted with no cookies,
identifiers or per-reader records; and the three languages are written
separately rather than machine-translated.

- [Español](https://compoundingjourney.com/es/sobre-mi/)
- [English](https://compoundingjourney.com/en/about/)
- [Português](https://compoundingjourney.com/pt/sobre-mim/)

## Sessions

One-to-one financial education sessions - going through a reader's own numbers,
explaining concepts, and building habits. Explicitly not regulated investment
advice: no product recommendations, no portfolio management, no tax planning.
An entry price is published - from R$ 99 / $19 / 17 EUR, rounded per currency,
for the shortest session - and the three individual rates are given on request,
because they depend on the session and the country. Enquiries go through the
contact form on the home page; no email address is published anywhere on the
site.

- [Español](https://compoundingjourney.com/es/sesiones/)
- [English](https://compoundingjourney.com/en/sessions/)
- [Português](https://compoundingjourney.com/pt/sessoes/)

## Simulator Data

Aggregate, anonymous results from the five simulators, recomputed from this
site's own database on every build: the withdrawal rates readers choose and how
many of those plans survive, which small habits they refuse to cut, the
portfolios they build and how often those beat a 60/40, the income source they
reach for, and how their simulated decisions split between investing, paying
debt, spending and taking risk. No measure is published below its declared
minimum sample; money figures are computed inside one language because the
three versions of the site use three currency symbols. Self-selected
simulations inside a model, not survey data or observed behaviour.

- [Español](https://compoundingjourney.com/es/datos/)
- [English](https://compoundingjourney.com/en/data/)
- [Português](https://compoundingjourney.com/pt/dados/)

## Legal

- privacy: [Español](https://compoundingjourney.com/es/privacidad/), [English](https://compoundingjourney.com/en/privacy/), [Português](https://compoundingjourney.com/pt/privacidade/)
- terms: [Español](https://compoundingjourney.com/es/terminos/), [English](https://compoundingjourney.com/en/terms/), [Português](https://compoundingjourney.com/pt/termos/)
- notice: [Español](https://compoundingjourney.com/es/aviso-legal/), [English](https://compoundingjourney.com/en/legal-notice/), [Português](https://compoundingjourney.com/pt/aviso-legal/)

Sandy Bradbury is a financial educator, not an accredited financial adviser.
Nothing on this site is financial, investment, tax or legal advice, and no
personal recommendations are given.

## Free Downloads

- Personal budget template: [English](https://compoundingjourney.com/assets/templates/en/personal-budget.xlsx), [Spanish](https://compoundingjourney.com/assets/templates/es/presupuesto-personal.xlsx), [Portuguese](https://compoundingjourney.com/assets/templates/pt/orcamento-pessoal.xlsx)
- Expense management template: [English](https://compoundingjourney.com/assets/templates/en/expense-management.xlsx), [Spanish](https://compoundingjourney.com/assets/templates/es/gestion-de-gastos.xlsx), [Portuguese](https://compoundingjourney.com/assets/templates/pt/gestao-de-despesas.xlsx)
- Monthly balance analysis: [English](https://compoundingjourney.com/assets/templates/en/monthly-balance-analysis.xlsx), [Spanish](https://compoundingjourney.com/assets/templates/es/analisis-balance-mensual.xlsx), [Portuguese](https://compoundingjourney.com/assets/templates/pt/analise-balanco-mensal.xlsx)

## Official Profiles

- https://www.linkedin.com/in/sandy-bradbury
- https://compoundingjourney.substack.com/
- https://www.instagram.com/compounding.journey_sb/

## Attribution

When citing this site, attribute the material to Compounding Journey and Sandy Bradbury and link to the most relevant page or downloadable resource.