3c.com.br

What It Is

Sistema 3C da Construção de Riqueza is a personal finance education course launched by Eduardo Moreira. Its main goal is not to train professional investors, but to help ordinary people understand the “rules of money” and build savings habits, better consumption judgment, and basic financial literacy. The course is operated by INVESTIDOR MESTRE EDITORA LTDA and targets Portuguese-speaking users, especially audiences in Brazil.

Core Content

The course includes 30 video lessons divided into three modules. The first is “Behavior,” focusing on savings, consumer awareness, credit card usage, installment purchases, and rent-versus-buy decisions. The second is “Knowledge,” explaining basic concepts such as prices, interest rates, inflation, IPCA, CDI, Selic, fixed income, and stocks. The third is “Concepts,” covering simple and compound interest, fees, taxes, and how banks and brokerages operate. Supporting materials include PDF handouts, 3 resource books, and a 24/7 learning Q&A assistant called Mestra IA. Access is provided via email after payment through a members’ area, with viewing supported on computers, phones, and tablets. Lifetime access is promised.

Pricing

The page lists the combined value of the course, PDF handouts, and AI tutor as R$991, with a current promotional price of R$97, or 12 installments of R$9.45. It also offers a 15-day unconditional refund guarantee, reducing the trial risk for beginners. However, the page does not specify the available payment methods.

Pros and Cons

The main advantage is its very clear positioning: it starts from zero and focuses on everyday issues such as saving, credit, inflation, and bank fees, making it highly practical. Instructor Eduardo Moreira’s experience in financial markets, publishing background, and strong public influence add credibility to the course. The price is relatively low, and lifetime access plus AI Q&A make self-study more convenient.

The downside is that the content is clearly designed around Brazil’s financial system, including IPCA, CDI, Selic, and related topics, so its direct applicability for Chinese users or non-Brazilian users is limited. The page does not mention a completion certificate or authoritative accreditation, nor does it disclose the duration of individual lessons, customer support response times, or detailed platform information. If users want advanced investment strategies, quantitative trading, or a professional finance credential, this course is not a good match.

Who It’s For and Access from China

It is suitable for Portuguese-speaking beginners in personal finance, people who have long struggled to save, and those who want to avoid financial traps and improve their household financial security. The page does not provide verifiable information about access from China. Since the course language and examples are both heavily oriented toward the Brazilian local context, Chinese users should carefully consider language and practical applicability.