Emanuel Balsa

Co-Founder

Lisbon, Portugal19 yrs 3 mos experience
Most Likely To SwitchHighly Stable

Key Highlights

  • PhD in Behavioral Economics with 14+ years of research experience.
  • Top personal finance creator in Portugal with a global ranking.
  • Expert in financial psychology and behavioral finance.
Stackforce AI infers this person is a Behavioral Finance expert with a focus on entrepreneurship and financial consulting.

Contact

Skills

Core Skills

Financial PsychologyBehavioral FinanceEntrepreneurshipNew Business DevelopmentData ScienceInvestorCorporate FinanceConsumer BehaviourBusiness StrategyMergers & AcquisitionsFinancial Analysis

Other Skills

NeurofinanceCareer OptimizationCommunicationTeachingLeadership DevelopmentDigital MarketingMaster FranchisingFinancial ConsultingNegotiationWork-Life BalanceStart-upsBehavioral EconomicsData AnalysisValuationBloomberg Terminal

About

#1 secret to financial security: It’s never to late to start… ⬇️ 87% of people say their financial anxiety is getting worse. Not because they don't earn enough... But because their emotional patterns. They sabotage every dollar they make. Most professionals think they have a money problem. Here's the brutal truth: It's a psychology problem. Why? Because most people now suffer: - decision fatigue in their daily routine. - lack of mental space to plan the journey. Your brain makes 35,000 choices daily. By lunch time, you’re mentally exhausted. You leave your personal journey, and make life a prison. That’s when you make your worst financial mistakes. The result? - Financial stress is eating your relationships 💔 - Make emotional investment decisions 📉 - Delayed wealth building every month 💰 - Fear of career replacement by AI 🤖 But here’s what changes everything: Understanding your money psychology. Understanding your behaviors. Understanding your moods. I’m Emanuel Balsa. PhD in Behavioral Economics. 14+ years studying why intelligent people make terrible money decisions. My discovery: The difference between struggle and freedom isn’t intelligence. It’s behavior. Top 1% smart people think differently. They use evidence-backed psychology, not just logic. I teach you: → How to rewire money fears using Nobel Prize research 🧠 → Why your “smart” investments are emotional traps 📊 → AI tools that actually improve decisions 🤖 → Behavioral tips to fight inflation 🤺 My credentials: 📚 Professor of Finance | ISCAL 🔬 Behavioral Finance Researcher | 14+ years 🇵🇹 #1 Personal Finance Creator in Portugal (LinkedIn) 🌍 #40 Worldwide Personal Finance (Favikon, June 2025) My Mission is too help others to don’t lose where I lost in the past, and win more than I win 🏆 I am building a network to transform 100,000+ professionals through: 🏆 financial education for financial independence 🏆 psychology-based wealth education 🏆 self-help for business & finance No fluff. No get-rich-quick schemes. Just proven behavioral science. Ready to learn like the top 1%? Get my free psychology playbook: 👇 https://lnkd.in/d5Shnd83 Join 23,000+ community, and get 500 chatGPT prompts: 👇 https://lnkd.in/d5fXZeUQ ⚠️ Warning: Once you see these patterns, you can’t unsee them. I’m a professor, not a guru, so always Financial Psychology education, not financial advice. Speak soon, Balsa P.S. Message me to accelarate your learning. ✍️ Take my 5-minute test (direct link, free, take action): Investinggym.com

Experience

Lavaali

Co-Founder

Aug 2025Present · 8 mos · Lisbon Metropolitan Area

  • Co-founder of a group of self-service laundromats, self-storage, coworking and virtual spaces.
EntrepreneurshipNew Business DevelopmentLeadership DevelopmentDigital MarketingMaster Franchising

Iscal-lisbon accounting and business school

Professor of Financial Markets

Sep 2022Present · 3 yrs 7 mos · Lisbon, Portugal · Hybrid

  • Professor of Financial Markets and Calculus.
Financial PsychologyBehavioral FinanceNeurofinanceCareer OptimizationCommunicationTeaching

Universidade da beira interior

Researcher

Feb 2019Jan 2022 · 2 yrs 11 mos · Covilhã

  • Researcher in crowdfunding and alternative markets.
  • The role of microcredit in promoting financial and social inclusion. Projeto financiado por fundos nacionais através da FCT – Fundação para a Ciência e a Tecnologia, I.P., no âmbito do projeto “The Role of Microcredit in Promoting Financial and Social Inclusion” (PTDC/EGE-OGE/31246/2017).

Sustainable destinations

Property Investor

Jan 2016Present · 10 yrs 3 mos · Lisbon, Portugal; São Miguel, Azores

  • Invest in small businesses, real estate, digital real estate, and domains.
  • Currently, owner of a Real Estate Property in the Azores.
  • Sold my first real estate property in 2023.
InvestorCorporate FinanceNegotiation

Climber hotel

Behavioral Finance Advisor and Growth Mentor

Jan 2016Dec 2016 · 11 mos

  • Mentor for the growth strategy using Behavioural Science and Financial Tools of the Portuguese Startup Climber - Hotel Revenues Strategies.
  • Climber is a revenue management tool that provides independent hoteliers optimal, dynamic pricing using local data and customer analytics.
  • http://climberhotel.com
  • Blog
  • http://blog.climberhotel.com

Jopa - núcleo de jovens profissionais de águas (young water professionals)

Coordinator

Jan 2015Feb 2017 · 2 yrs 1 mo · Lisbon Area, Portugal

  • Coordinator of JOPA, managed members and their activities.
  • The Núcleo de Jovens Profissionais de Águas - Group of Young Water Professionals (JOPA) aims to ensure adequate preparation of new generations of leaders and technicians in several areas of knowledge, helping them to meet the growing challenges facing the water sector in the present and in the future. The purpose of JOPA is to enhance professional training of young water professionals of the water sector and all who would come to be a part of JOPA.
  • Facebook - www.facebook.com/nucleo.jopa
  • Twitter - https://twitter.com/nucleo_jopa
  • LinkedIn - https://pt.linkedin.com/pub/jopa-núcleo-de-jovens-profissionais-da-água/b1/58b/92b/en.
  • Additional information: jopa.apda@gmail.com
  • JOPA was developed within APDA (Portuguese Association of Distribution and Water Drainage) in 2013 and is also connected to the IWA (International Water Association).

Spring meeting of young economists - smye 2016 in lisbon

Co-Coordinator - Growth: fundraising and sponsorship

Sep 2014Apr 2016 · 1 yr 7 mos · Lisbon

  • http://smye2016.iscte-iul.pt/
  • The SMYE is organized “by young economists for young economists” and nowadays receives on average 700 submissions per year. Young economists from all fields and all over the world are invited to submit their works. This conference aims to bring together young economists, such as PhD students, researchers and assistant professors, and encourage the discussion of their work as well as help to create a network to connect young professionals in Economics.
  • SMYE typically receives 200 participants. Besides the scientific sessions, three renowned keynote speakers are invited to present their research and the participants have the opportunity to share experiences in the social events.
  • The SMYE will be organized for the first time in Portugal, Lisbon (ISCTE-IUL).
  • EAYE link: http://eaye-smye.blogspot.pt/p/mission.html

Blog - para lá do homo economicus

Co-founder financial literacy blog

Mar 2013Dec 2023 · 10 yrs 9 mos

  • Co-author of opinion articles on financial literacy, finance and economics (inactive)
  • http://paraladohomoeconomicus.blogspot.pt

Refood

Volunteer Manager and Volunteer

May 2012Jan 2021 · 8 yrs 8 mos

  • Manager of Volunteers at Refood.
  • Collecting food from restaurants and coffee shops to deliver to families in need.
  • http://www.re-food.org/
  • Volunteer from almost the beginning of Refood project in the county of Nossa Senhora de Fátima. Actively collaboration with the food collection team.
  • More recently, working as well as Volunteer Manager (since February 2016) in the new Refood Sacavém. The main tasks developed are data collection, training, share procedures and experiences about Refood, operations, and managing volunteer.
  • http://www.re-food.org/pt/nucleos/portugal/lisboa/sacavem
  • Like it and share it:
  • https://www.facebook.com/Refood-Sacav%C3%A9m-1551333215128436

Iscte-iul

2 roles

PhD in Economics with a FCT Scholarship

Sep 2011May 2016 · 4 yrs 8 mos

  • PhD in behavioral economics. applied to water resources and consumer behaviors.
Consumer BehaviourBusiness StrategyWork-Life BalanceStart-upsBehavioral Economics

Researcher

Jan 2011Jan 2011 · 0 mo

  • Research project: Preços e respostas comportamentais no sector da água (Pricing and behavioural responses in the water sector). Ref: TDC/EGEECO/114477/2009.

Independent

Data Scientist

Jan 2011Present · 15 yrs 3 mos

  • I like to work with Behavioral Data, Emotions, and Storytelling.
  • Economics, Finance, and Markets are about people. Behaviors are what authentically define people and businesses.
Data ScienceFinancial ConsultingCorporate FinanceNeurofinanceBehavioral Finance

Kpmg corporate finance

2 roles

Financial Services Associate

Jan 2010Jan 2011 · 1 yr

  • Financial consultant in several M&A (Mergers and Acquisitions), across different sectors in Portugal and Spain.

Financial Analyst

Jan 2008Jan 2010 · 2 yrs

  • Financial consultant in several M&A (Mergers and Acquisitions), across different sectors in Portugal and Spain.
Mergers & Acquisitions

Iscte-iul

Research assistant

Jan 2007Jan 2008 · 1 yr

  • Research project: Governação Empresarial em Países de Desenvolvimento Intermédio: O Caso Português (Corporate Governance in Medium Income Countries: The Case of
  • Portugal).Ref: PTDC/GES/72859/2006.
Data AnalysisMergers & AcquisitionsValuationBloomberg TerminalFinancial AnalysisCorporate Finance+1

Education

Iscte - Instituto Universitário de Lisboa

Doctor of Philosophy - PhD — Behavioural Economics

Jan 2011Jan 2016

NOVA FCSH

Postgraduated degree in Art Market

Jan 2018Jan 2019

Iscte - Instituto Universitário de Lisboa

Master's degree

Jan 2007Jan 2009

Iscte - Instituto Universitário de Lisboa

Bachelor's degree — Economics

Jan 2004Jan 2007

Escola Secundária Doutor António Carvalho Figueiredo

Secondary education

Escola E.B. 2,3 do Alto do Moinho

Elementary school

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