The CRER² method, taken to the stage and to teams.
An employee at peace with their own money produces more, misses less work, and stays longer. That is what behavioral financial education is about — brought to your company.
A note for international readers. The CRER² method is behavioral, and its principles apply anywhere. Some data, statistics, and references, however, come from the Brazilian financial system and may need to be adapted to your country's context.
Financial stress walks through the company's door every day.
The body is in the chair; the mind is on the bill that won't close. It has a name — presenteeism — and it comes at a cost: less focus, lower quality of work, more sick days, and more people ready to switch jobs for any immediate relief.
81.6%
of Brazilian families are in debt — an all-time record. A large part of your team lives with this right now.
69.3%
are in debt even among those earning more than ten times the minimum wage. It is not just the factory floor — it is the whole team.
+134%
is how much mental-health leave has grown — with anxiety now the number-one cause.
Sources: CNC/PEIC (household debt, 2026); MPT–ILO/SmartLab and ANAMT/INSS (mental-health leave). Absenteeism, presenteeism and turnover are the bills the company pays for that silence.
is what each employee who resigns can cost. Replacing someone costs 50% to 200% of their annual salary, filling the role takes 120 to 150 days — and Brazil is the world leader in turnover.
Working on behavior, not just information.
Spreadsheets and investment tips don't solve it — the root is each person's relationship with their own money. That is where CRER² comes in. When that relationship changes, focus at work changes, day-to-day presence changes, and so does the willingness to stay.
This is not a motivational talk that evaporates by Monday. It is behavioral intervention, with method — and an effect visible in climate, absenteeism and retention.
Since May 2025, Brazil's NR-1 regulation has included psychosocial risks — financial stress among them — in workplace health and safety management, with enforcement beginning in May 2026. Caring for your team's relationship with money has moved from a courtesy to a matter of compliance.
Three intensities, one method.
TALK
Raises awareness.
The wake-up call. One hour that makes the whole room face its own relationship with money — and leave wanting to change. Ideal for SIPAT, conventions and company events.
WORKSHOP
Shakes things up.
The productive jolt. An immersion that pulls people out of autopilot and forces a decision — the method applied to each participant's reality, in a group setting.
IN-COMPANY TRAINING
Goes deeper.
Hands-on, looking inward. A continuous program that turns awareness into habit — and habit into culture. It is what makes the effect last.
Not a cost. An investment with measurable return.
R$ 1 → R$ 4
the estimated return of structured emotional-health programs, in productivity and cost reduction.
up to 40%
the reduction in turnover that effective programs can generate.
4% of GDP
the loss that work-related illness and accidents represent (ILO) — the scale of the problem.
Sources: workplace mental-health studies (return and turnover reduction); ILO (GDP loss). Estimates; results vary with implementation.
- Focus and productivity
- Fewer hours lost to worry; a clearer mind — and better decisions — at work.
- Less absenteeism
- Less stress-related illness; fewer absences that disrupt operations.
- Retention
- Those who achieve financial stability think twice before changing jobs.
- Culture and reputation
- An employer brand that genuinely cares about the finances of those who build it.
Topics tailored to your needs: behavior and beliefs, everyday financial well-being, succession and preparing the next generation, and financial culture within companies.
Validation. Before it became a book, the CRER² method already existed in practice — and was taken into academia as an object of study in the MBA in Business Management at FGV. A real method, tested day to day and then validated with academic rigor.
Before the spreadsheet comes the mirror
Bring the CRER² method to your team or your stage.
Every session is tailored to the audience and the goal. The starting point is a conversation.
Request a proposal