Financial safety. Personal safety is debatable. The city is dangerous, so as any other big city here (>1.5M). I grew up on a very poor neighborhood in south br

Financial safety. Personal safety is debatable. The city is dangerous, so as any other big city here (>1.5M). I grew up on a very poor neighborhood in south brazil, half way to BA :D, you learn how to manage "dangerous" people and places to avoid. It's a short term loss if you got robbed or something. I've been there multiple times (ironically not in Rio), I carry a cheap mobile phone and money for transportation only. The long term loss is not having a chance to make a decent emergency fund, a retirement fund, or a somewhat successful business. People working for companies here and doing that three things I said are living with their relatives to make it cheap. Including in Rio where workers for Big COs are living with 2 to 4 unrelated people near Barra da Tijuca or far away (2hrs) with their relatives. But hey! They have snacks and videogames on their offices, forgetting about everything else on the long term.