EP27 | Como separar as finanças pessoais da empresa (sem sabotar o negócio) | Rafael Recidive

Did you know that 61% of Brazilian business owners still mix personal and business finances? And worse: sometimes the problem isn't a lack of information, it's a fear of having money. In this episode of Margem Cast, we welcome Rafael Recidive — an entrepreneur and financial educator for over 12 years, founder of Artha and Dhana (financial and asset planning platforms with Open Finance and AI) and author of the book "The Power of Financial Clarity". Rafael left his position as a manager at Banco do Brasil to help families and business owners organize their finances — and today he serves businesses of all sizes, from the micro-entrepreneur just starting out to the entrepreneur who earns a lot but doesn't know where the money is going. In this conversation, you will understand: ✅ Why 40% of companies don't survive the first 5 years (data from Sebrae) — and what this has to do with finance ✅ The difference between profit and cash flow, and how to know if you are overpaying (or underpaying) ✅ Why "chasing money" is the worst strategy to sell more ✅ How the fear of discovering that the business is not viable hinders growth ✅ The role of Open Finance and technology in maintaining consistency in financial control ✅ How to create "avenues to the future" without losing touch with reality Follow us on Instagram: @margem.cast Guest contact: @rafaelrecidive Margem Cast, where Profit is the protagonist. — 🎙️ Margem Cast is the podcast for entrepreneurs who want to make better decisions in business and in life. Every week, we bring in guests who have experienced firsthand the challenges of entrepreneurship in Brazil. 👉 Subscribe to the channel and activate the bell so you don't miss the next episodes. 👉 Leave your comment: have you ever mixed your personal and business finances? Tell us about it. #FinancialEducation #Entrepreneurship #PersonalFinance #FinancialManagement #MargemCast #FinancialPlanning #FinanceForEntrepreneurs