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What happens when moving back to the United States feels like a downgrade instead of an upgrade? After living and working in Brazil for 36 years, I returned to the U.S. expecting more modern systems and easier daily life. Instead, I experienced reverse culture shock — especially around banking, insurance, healthcare, business infrastructure, and public services. In this episode, I compare life in Brazil and the United States from real experience, not theory. We talk about why U.S. banking still relies on checks and delays, how insurance and payments take weeks or months, and why Brazil has used real-time banking, digital voting, and automated systems for decades. Topics covered in this conversation: • U.S. banking vs Brazil banking • Why checks and wire transfers still exist • Insurance delays and financial inefficiency • Digital voting systems in Brazil • Doing business in the U.S. vs Brazil • Healthcare systems and preventive care • Public services, infrastructure, and cultural gaps • Why adapting to less technology is harder than adapting to more This video isn’t about politics or opinions — it’s about lived experience, system design, and the cultural gaps most people never see unless they live abroad. If you’re interested in expat life, reverse culture shock, international comparisons, or how different countries actually function behind the scenes, this episode will change how you look at “modern” systems. WELCOME TO MY CHANNEL. CLOSE YOUR GAPS FOR BOLD BANKABLE GROWTH!