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Você Ganhou na Loteria — E Apareceu no Trabalho no Dia Seguinte — Transcript

by Tuco Investe · 3,265 words · 474 segments · language en · Watch on YouTube

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0:00The folded paper in your uniform pocket
0:02is worth 63 million reais. And even so,
0:06the first thing that happens when you
0:07clock in is Mr. Valdir calling you to
0:09the warehouse hallway with a sheet of
0:10paper in his hand. Warning: you were 14
0:14reais short at your register during
0:15yesterday’s closing. You apologize,
0:18sign at the bottom, and promise it
0:20won’t happen again. The sentence
0:22comes out just right, polite, but
0:24inside you are apologizing for
0:26something completely different. Nobody
0:29at the Bom Preço supermarket knows
0:31what is resting against your leg. And
0:33almost no one knows that the number
0:34appearing on television is just the
0:36easy part of the math. The hard part
0:38starts afterward. What lies ahead is
0:41the path this cashier took from then on
0:43and the reason why he returned the day
0:45after the drawing to scan rice, beans,
0:47and laundry detergent on the belt, as
0:49if life were the same. The night before
0:53, you are 34 years old and sitting on a
0:55bus stop bench, across the avenue after
0:57closing the register. On your phone,
1:00your credit card bill shows 5,930 reais
1:02. In your checking account, 187 remain.
1:07You open the results just out of habit.
1:09The bet was placed at the lottery shop
1:11next to the market, the same one as
1:13always, with the six numbers you’ve
1:15been repeating for years. The first
1:17matches, the second one too. By the
1:19fourth, it feels like someone turned
1:20down the volume of the avenue. By the
1:22sixth, your bus pulls up, opens the
1:24door, waits a little, and leaves
1:26without you. You check it again. Then,
1:29once more, with your finger on each
1:31number, just like a child learning to
1:33read. You tuck the ticket into your
1:36phone case and walk home, because your
1:38mind is too occupied to decide anything
1:41and your legs at least know the way. At
1:44dawn, sitting on the edge of the bed,
1:47you make a discovery that no lottery
1:49banner advertises. That amount arrived
1:51already bitten into. In Brazil, a
1:54lottery prize above a very small amount
1:56loses 30%to withholding income tax, and
1:59the bank already announces the number
2:01after the deduction. You do the math
2:04backward. The full prize was 90 million
2:06. 27 million stayed with the Federal
2:09Revenue Service before you could touch
2:11a single cent. The good part is that
2:13there is no second bite. The following
2:15year, you just need to report the
2:17amount on your tax return under income
2:19subject to exclusive taxation, and
2:21that’s it. But there is something
2:23more urgent than the tax. A paper
2:25ticket works almost like cash. If it
2:28falls into the wrong hands, the wrong
2:30person could try to claim it. That is
2:32why the bank itself advises you to
2:34write your full name and ID number on
2:35the back. You grab a pen from the
2:38kitchen drawer, but your hand shakes so
2:40much the last letter of your last name
2:42looks like a scribble, and the clock is
2:44ticking. You have 90 calendar days
2:47after the drawing to claim the prize.
2:49If you miss that deadline, the money
2:51goes to the FIES, the student loan fund
2:53, and you never see it again. You
2:55already know you aren't going to quit,
2:57and you come up with three reasons why.
3:00The first is that quitting your job
3:02overnight just 20 steps from the
3:04lottery shop that sold the winning
3:06ticket would be like wearing a sign
3:08around your neck. The second is that
3:11you have no idea what you're doing, and
3:13big decisions made in a panic usually
3:14end up being costly. The third one, you
3:17won't even admit to the mirror. That
3:19market is the only part of your life
3:21that still feels normal. There’s an
3:24observation by a British historian
3:25named Cyril Northcote Parkinson that
3:27fits perfectly here. He said that
3:30expenses rise to meet income. People
3:33earn more, spend more, and the surplus
3:35disappears before anyone notices.
3:37You've never heard of him, but you feel
3:39it in the pit of your stomach. If you
3:40change your life all at once, your new
3:42life will swallow the money before you
3:44even realize how much you have. So you
3:46fold the warning into quarters and keep
3:49it next to the ticket. On one side, a $
3:5114 reprimand. On the other, 63 million,
3:54and the two spend the whole shift
3:57sharing the same pocket. On the third
4:00day, you take the ticket out of your
4:02pocket for the first time, take photos
4:04of both sides, put the original in a
4:06plastic envelope inside your
4:07grandmother’s old Bible, which no one
4:09in the house ever opens, and take two
4:11buses to see a lawyer across town, in
4:13an office above a pharmacy. Her name is
4:16Eloá. She works in family and
4:18inheritance law, listens to everything
4:20without blinking, and gives you three
4:22orders. In this order: mouth shut,
4:24badge on your chest, and keep the pen
4:26away from any paper other than the back
4:28of that ticket. On the fourth day, the
4:31bank announces where the winning bet
4:33was placed. It’s the Trevo de Ouro
4:35lottery shop, right next to the Bom
4:36Preço market. By lunchtime, there’s
4:38already a yellow banner on the
4:39storefront announcing that the jackpot
4:41winner was sold there. In the late
4:43afternoon, a local TV crew is
4:45interviewing customers at the market
4:46entrance, and you walk behind the
4:48camera pushing a line of carts with
4:50your face turned toward the parking lot
4:52. On the fifth day, Rose from Register
4:55One turns the breakroom into an
4:57investigative hub. She organizes an
5:00office lottery pool because, according
5:01to her, the lottery is on a hot streak,
5:03and tapes a notebook page to the wall
5:05with a question in block letters: "Who
5:07is the millionaire?" Everyone leaves
5:10their guess. Rose carries a plastic
5:12folder with a handwritten list of
5:14dreams. A house with a yard, taking her
5:17mother to see the ocean, fixing the
5:19tooth that hurts when she drinks iced
5:21coffee. She laughs, saying that if it
5:24were her, she’d toss her badge onto
5:25the conveyor belt and walk out the
5:27automatic door without looking back.
5:29You pay 10 bucks for your share of the
5:32pool and write the pharmacy delivery
5:34guy's name on the sheet. You stand
5:36there with the strange feeling of
5:38rooting against yourself. At the end of
5:41the shift, Mr. Augusto, the store owner
5:43, passes your register, eyeing the
5:45banner outside. He comments, without
5:47looking at anyone in particular, that
5:49he hopes the winner has some sense,
5:51mutters about the cold storage breaking
5:52down again, and lingers for a second
5:54too long looking at you. On the sixth
5:57day, Eloá takes a blank sheet of paper
5:59and draws three circles. One of them is
6:01her. The other two are empty. She
6:04explains that you'll need two more
6:06people before stepping foot in a bank
6:07branch. When the money hits, people
6:10will show up offering everything, and
6:11the team needs to be set before that
6:13happens. The deadline is 90 days. She
6:16wants to use 30 at most. On the eighth
6:19day, you see Mr. Valdir in the parking
6:21lot, leaning against his car, talking
6:23quietly on the phone about the payment
6:25for his mother's caregiver. He rubs his
6:28face about three times. Right there,
6:30the anger over the formal warning loses
6:31its edge. It wasn't malice, it was
6:33desperation. When a register closes
6:35with a discrepancy, he’s the one who
6:37gets scolded by the owner. The 14 bucks
6:39were never about you. On the ninth day,
6:42you meet the second circle, Ademir, an
6:44accountant in suspenders, in a room
6:46that smells like reheated coffee. He
6:49starts with news that no one celebrates
6:51. The prize has already been taxed, but
6:53whatever it earns will be taxed again.
6:56For most fixed-income investments,
6:58income tax bites into the profit on a
7:00scale starting at 22.5%and dropping to
7:0315%when the money is invested for over
7:062 years. Savings accounts are exempt,
7:08but usually yield less. And there’s a
7:11detail few people know about, the
7:13Credit Guarantee Fund. The one that
7:15returns your money if a bank fails
7:18covers up to 250,000 per tax ID at each
7:20institution, with a 1 million cap every
7:234 years. For someone with 63 million,
7:25that's next to nothing. Treasury Direct
7:28bonds, on the other hand, are backed by
7:29the federal government itself. Then
7:31they turn the calculator toward you.
7:34With current interest rates, leaving
7:36everything in a simple treasury bond
7:38yields about half a million reais a
7:40month, after taxes. That's what it
7:43would take you about 20 years behind a
7:45cash register to earn. You look at the
7:47number and feel nothing, absolutely
7:49nothing. On the 12th day, you meet the
7:51third circle. Lucia, about 60, glasses
7:54on a string, a securities consultant
7:57registered with the CVM, the Securities
8:00and Exchange Commission. She introduces
8:02herself in two sentences. The first:
8:05you and no one else pay for her work,
8:07because she doesn't accept commissions
8:09from banks or brokers for her
8:10recommendations. The second: if her
8:14interests ever clash with yours, she is
8:16obligated to tell you. And she teaches
8:19you a question that works for anyone
8:21who gets close to your money. How do
8:23you make money by serving me? After
8:25that, just check the person's name on
8:27the CVM website. She tells you about a
8:30study conducted in Florida, in the
8:32United States, published in 2011 by
8:34three economists. They tracked lottery
8:37winners and noticed that those who won
8:40average prizes of 50 to 150,000 even
8:42cleared their debts at first. But three
8:46to five years later, they filed for
8:48bankruptcy at nearly the same rate as
8:50those who had won a pittance. The prize
8:53postponed the problem, it didn't solve
8:54it. Then she says something that will
8:57become your mantra during sleepless
8:59nights. For the first six months, your
9:01best investment is patience. The money
9:04stays quiet in a safe place that earns
9:06daily interest and can be withdrawn
9:08whenever you want, while you discover
9:10who you are with it in your pocket. No
9:13big purchases, no business deals, no
9:15loans to anyone. And she also
9:17dismantles the half-million illusion. A
9:20good portion of that yield isn't profit
9:22, it's just money chasing inflation to
9:24stay the same size. What's truly left
9:27is smaller than it seems. And it's with
9:29this smaller number that you have to
9:31make plans. On the dawn of the 14th day
9:33, you're sitting on the living room
9:35floor with all three on speakerphone,
9:37deciding where the money will live. On
9:40one side, the Selic Treasury, which
9:42follows the basic interest rate,
9:43fluctuates little and can be redeemed
9:45at any time. On the other, the IPCA +
9:48Treasury, which guarantees a return
9:50above inflation for many years, but if
9:53you need to sell before maturity, it
9:55may be worth less that day than what
9:57you paid. Ademir likes one, Lúcia
10:00pulls for the other. Eloía just wants
10:02you to get some sleep. In the end, you
10:05decide to leave the majority in Selic
10:07during these six months and put a slice
10:09in the IPCA + with maturities spread
10:11out like steps on a ladder. Lúcia says
10:14there is no perfect choice. There is
10:16the choice that doesn't wake you up at
10:183 in the morning. On your day off on
10:21the 19th, you leave Eloía's building
10:23and run into Rose, who went downtown to
10:25pay a bill. She asks: "What are you
10:28doing there?" You answer too quickly
10:30that it’s your grandmother's estate
10:31settlement. Rose puts on a face like
10:33she believes you, but not really. On
10:35the 20th, in the cafeteria, in front of
10:37everyone, she says she saw you leaving
10:39a lawyer's office and asks, laughing
10:41loudly, if the "Good Price" millionaire
10:44hadn't been sitting there with them the
10:46whole time. Half the table laughs. The
10:49other half stares, your face heating up
10:51as if someone had opened the oven from
10:52the bakery next door. Mr. Valdir cuts
10:55it short. He closes his lunch box and
10:57says everyone has their own problems,
10:59that family estate matters are serious,
11:01and that the line at checkout 3 is
11:02already wrapping around the hallway. On
11:06the way out, he gets close and says
11:07quietly that if you need to swap your
11:09day off to handle paperwork, just let
11:10him know. You stick your hand in your
11:13pocket and touch the formal warning he
11:15signed himself. It’s strange to
11:18receive cover from the very hand that
11:19signed that sheet. That night, you
11:22remember a book you read in high school
11:24out of obligation, *Quincas Borba*, by
11:26Machado de Assis. Rubião, a former
11:29teacher from rural Minas, inherits a
11:31fortune and moves to Rio. It doesn't
11:35take long for a bunch of new friends to
11:36appear, full of advice and business
11:37deals, and he ends up with no money and
11:39no sense. Back then, it just seemed
11:42like a boring book for entrance exams.
11:44Now it looks like an instruction manual
11:46. On the 26th, you take a bus to a
11:48Caixa bank branch in a neighborhood
11:51where you've never set foot. You bring
11:53the original ticket, your ID, and your
11:55tax ID, and ask to speak to the manager
11:57about a lottery prize. They take you to
11:59a room with a closed door. Someone
12:01checks the ticket code, someone types
12:03it in, someone offers you a glass of
12:05water. The bank doesn't announce the
12:07winner's name, and the money hits the
12:09account after a few business days. No
12:11one applauds, no one takes photos. In
12:14less than an hour, you're back on the
12:16street, eating a cheese bread at a
12:18corner shop, just like anyone else
12:20leaning on that counter. It’s the
12:23best feeling of the month. By the 31st
12:25day, the money is exactly where you
12:27agreed it would be. You pay off the $
12:285,930 credit card bill with a single
12:32transfer and tell no one. Ademir
12:34immediately sets aside a reserve for
12:36taxes on the donations you still intend
12:39to make, because giving also involves
12:41taxes. It's the ITCMD, which is a state
12:43tax, varies from state to state, and
12:45can reach 8%. Tax money, as he likes to
12:48repeat, is born with an owner already
12:50attached. The portfolio Lúcia built is
12:52so boring that you could explain it to
12:55an aunt in a bank line in 2 minutes.
12:57And that is precisely why you trust her
12:59. In the third month, you tell the
13:01first person, your younger brother,
13:03Cláudio, at a bakery, bright and early
13:05, before his shift at the construction
13:07site. You say it all at once in a low
13:10voice, staring at your coffee. He
13:12doesn't ask how much it is, he doesn't
13:13ask what you're going to buy. He asks
13:15if you've been sleeping, and then he
13:17wants to know who is taking care of you
13:19. In the middle of it all. You cry over
13:22your buttered toast in front of the
13:23counter girl, and he just slides a
13:24napkin your way. From that point on,
13:27something changes. Hiding is no longer
13:29the goal. Now, the goal is to make
13:31changes in life calmly. One item at a
13:33time. You fix the tooth you had been
13:35putting off for two years. You replace
13:37the fridge that was leaking. You buy a
13:40used 2017 compact car from a retired
13:43teacher for $ 49,000 cash, and you
13:46intentionally escape a trap that even
13:49has a name: the Diderot effect. The
13:53French philosopher Denis Diderot
13:55received a new, red, elegant robe as a
13:57gift, and he started to find his office
14:00ugly compared to it. He changed his
14:03chair, then his desk, then the
14:05tapestries, and ended up writing about
14:07how much he missed his old robe. A new
14:11car demands a new garage, which demands
14:13a new neighborhood, which demands a
14:14life you don't even know yet. So, the
14:17car is used and the house remains the
14:19same. With Eloá, you design three
14:21anonymous acts of help, all following
14:23the same rule. The money comes and goes
14:25, but your name remains. The first is
14:28an emergency fund for the Bom Preço
14:30employees, managed by her office and
14:32backed by a donor who prefers to stay
14:34anonymous. The second is tuition for
14:38Cláudio’s daughter’s nursing
14:39school, paid directly to the
14:40institution with the gift tax handled
14:42by Ademir. The third, Eloía just marks
14:45down as a personal gift to be delivered
14:47later on. She doesn’t ask who for.
14:50And you don’t say. In the sixth month
14:52, Rose arrives at the breakroom waving
14:54a letter. That new market fund no one
14:57knows the source of paid her dental
14:59treatment directly to the clinic. Root
15:02canal and crown, 3100 reais. She reads
15:06the letter out loud twice, spends the
15:08whole lunch break trying to guess the
15:10mystery donor, and finally tucks the
15:12paper into her plastic folder, right
15:14behind her wish list. One item down. In
15:18the eighth month, on a slow day,
15:20you’re restocking oil in aisle five
15:22when you hear a strange noise coming
15:24from the stockroom. It’s Mr. Valdir,
15:27sitting on a crate with his phone in
15:28his hand. A law firm wired him 14,200
15:32reais. As a donation from someone who
15:35chose to remain anonymous, with the tax
15:37already settled. He reads the message,
15:39laughs, cries, and reads it again. He
15:41tells no one in particular that someone
15:43up there decided to look out for him.
15:46You keep lining up the bottles with the
15:48warning still folded in your pocket,
15:50and only you know why that number
15:52starts with 14. A year later, you clock
15:55in with your uniform ironed and your
15:56badge straight on your chest. The
15:59lottery sign has faded from so much sun
16:00. The walk-in freezer, which was always
16:03broken, was finally replaced because
16:05business picked up after half the
16:07neighborhood started betting next door.
16:10At closing, the new kid’s register is
16:1211 reais short. He’s already pale,
16:15expecting his termination notice. Mr.
16:17Valdir looks at the drawer and tells
16:18him not to worry, because he already
16:20covered the difference out of his own
16:22pocket. Before leaving, Rose stops at
16:24your register with the office pool
16:26ticket and asks you to check it,
16:27because according to her, you have a
16:29lucky touch. You scan the code, look at
16:32the screen, and gently reply that it
16:34wasn’t this time. She shrugs, laughs,
16:36and says she’ll get it on Saturday.
16:38Nobody ever found out. And the plan is
16:40for it to stay that way. You keep
16:43scanning items on the conveyor belt
16:44because that’s where people are still
16:46waiting for the draw, like someone
16:48waiting for a door to open, and you
16:49aren’t ready to step away from that.
16:53Every now and then, a lost ticket from
16:54Rose ends up in your register’s trash
16:56bin, and you rescue it, fold it, and
16:58keep it in your wallet. It’s your
17:01reminder that one day, all you had was
17:03the desire for a number to work out.
17:06Notice that the greatest success here
17:08wasn't the drawn number, but the calm
17:09that followed it. Every week there’s
17:12a new example like this at Tuc Investe.
17:14Sign up, because this is the only game
17:16where you win without needing to hit a
17:18single digit. And if there’s
17:22something big you’ve never told
17:23anyone, leave it down below however you
17:25can. Sometimes writing it down already
17:27takes some of the weight off your
17:28shoulders.

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