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Chapter 11 of 12 · What is money?

The Reprograme connection

Educational text. This content explains concepts and history; it is not an individual investment recommendation or a promise of returns. Figures, rates and regulatory status have a reference date of and change over time. The bracketed references — [1], [2]… — are listed in the Sources section.

Reprograme was born from an uncomfortable observation: money is too abstract for the human brain. When you see "R$1,200" on a price tag, you don't feel the real weight of what it represents. It's just a number.

But when you translate that number into hours of your life, the equation changes:

Real cost = Item price ÷ (Monthly take-home income ÷ (Weekly working hours × 52 ÷ 12))

Reprograme asks for your weekly working hours and estimates an average month using 52 weeks divided by 12 months. Include the jobs that make up your income; the calculation assumes no number of working days. The legal hourly-pay divisor for a monthly-paid employee is a different concept [21]; Brazil’s constitutional 44-hour weekly limit [36] is used here only as an example, not as a required default.

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With take-home income of R$4,400 per month and 44 working hours per week, an average month has 190.67 hours and each hour is worth about R$23.08. Sneakers at R$600 cost 26 hours of work. A smartphone at R$3,000 costs 130 hours — about two-thirds of the average month.

How much it costs in hours of work Bar chart: 44 working hours per week and 190.67 hours in an average month; sneakers cost 26 hours; a smartphone costs 130 hours of work. R$ 4,400/month; 44 h/week One month 190.67 h Sneakers at R$ 600 26 h Smartphone at R$ 3,000 130 h
The same price in life time: sneakers, 26 hours; smartphone, 130. Example with 44 h/week and 190.67 hours in an average month.

The question stops being "how much does it cost?" and becomes "how many hours of my life is this worth?"

That is Reprograme's mission: to help you decide with clarity, not on impulse. Five questions before every purchase, a simple calculation and a suggested waiting period. Reprograme does not forbid the purchase: if, once the waiting period is over, you still need the item and decide to buy it, that is a conscious purchase — and the product exists to support it.

When you understand that money is a technology — not an end in itself — the purchase decision stops being purely emotional and becomes conscious. You don't just spend money. You spend time from your life.

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Sources

All online sources accessed on October 9, 2026.

  1. BRASIL. Decreto-Lei nº 5.452, de 1º de maio de 1943 (Consolidação das Leis do Trabalho), art. 64. https://www.planalto.gov.br/ccivil_03/decreto-lei/del5452compilado.htm
  2. BRASIL. Constituição da República Federativa do Brasil de 1988, art. 7º, XIII. https://www.planalto.gov.br/ccivil_03/constituicao/constituicao.htm