Published on and written by Cyril Jarnias
Relocating to Bangladesh means entering a social, religious, and professional world vastly different from that of most Western countries. Life there is warm, intense, and sometimes disorienting. Implicit codes are numerous, and a significant part of your project’s success will depend on your ability to understand and adapt to them.
This article details the main cultural aspects to anticipate before departure, including the role of religion, social hierarchy, communication styles, family life, the professional world, the healthcare system, housing, security, climate, and cost of living. It draws on concrete examples and data for better planning.
Understanding the Cultural Foundation: Religion, Community, and Hierarchy
The culture of Bangladesh rests on three closely linked pillars: Islam, the extended family, and social hierarchy. To ignore them is to invite constant misunderstanding.
The Structuring Role of Islam in Daily Life
Approximately 91% of the population is Muslim. Even if the country may seem relatively tolerant and “secular” in certain urban spheres, faith deeply permeates behavior, schedules, and decisions.
In everyday life, this translates into regular prayer times structuring the day, a strong importance given to values of modesty, restraint, and respect, as well as particular attention to halal concepts, perceived both as a religious framework and an ethical guarantee in transactions.
In the professional environment, it is essential to schedule appointments considering prayer times, especially the midday prayer (to avoid around 1 PM). On Fridays, activity slows for the major prayer. The official weekend is Friday to Saturday, which impacts expatriates’ habits.
In this context, modest attire and respect for religious sensitivities are not mere details of politeness, but genuine markers of consideration.
A Conservative, Highly Hierarchical Society
Bangladesh is a conservative society where social conventions remain strong and widely accepted. Individuals are generally not very inclined to risk or abrupt change. Everyone’s roles are relatively well-defined, both within the family and the company.
Hierarchy plays a major role here:
– in the family, the eldest, and especially the oldest male, holds authority;
– in business, structures are vertical, with decision-making concentrated at the top;
– in administration, official position and title are essential to be heard.
In certain cultural contexts, acceptance of social rank is manifested by marked deference towards elders, managers, and senior officials. Openly challenging a superior or attempting to bypass the established hierarchy is considered a grave lack of respect, which can permanently damage relationships.
The Concept of “Face”: Preserving Honor Above All
As in many Asian cultures, the concept of “face” – that is, a person’s dignity, reputation, and prestige – is central.
Causing someone to lose face, especially by embarrassing or criticizing them in front of others, is extremely serious. This applies to a colleague, a superior, but also a family member or business partner.
Concretely, this means for you:
– to avoid direct criticism or blunt remarks in meetings;
– to favor one-on-one exchanges for disagreements or sensitive feedback;
– to modulate tone, words, and also non-verbal language to preserve harmony.
The goal is not to avoid all conflict, but to approach it with tact, always leaving the other person room to save appearances.
Communicating Without Mistakes: The Reign of the Implicit
For an expatriate, communication is likely one of the biggest changes to navigate in Bangladesh. People talk a lot… without saying everything explicitly.
Very Indirect Communication
Bangladeshis are indirect communicators. They express themselves with long sentences, rich in context, where tone, silences, and gestures matter as much as words. Saying “no” directly or contradicting someone outright is frowned upon.
You will often hear phrases like “We will try” or “That may be difficult” where, in your culture, a clear “no” would be expected. These phrasings are frequently synonymous with refusal but allow for not offending the interlocutor.
Another classic misunderstanding: the “yes”. It very often means “I’ve understood what you’re saying”, not “I accept” or “I agree.” Therefore, never take a “yes” as a firm agreement without clarification.
The Major Importance of Non-Verbal Communication
In this context of implication, non-verbal communication takes on considerable importance: posture, gaze, pauses, smiles – or their absence – give the true tone of the message.
A few useful pointers:
– maintaining moderate eye contact shows your attention, but staring intensely, especially at a superior, can be perceived as disrespectful;
– in certain rural areas, women will deliberately avoid direct eye contact with men in formal contexts;
– smiles are rarer in professional settings, not due to coldness, but to display seriousness and maturity;
– some Western gestures, like crossing your legs facing someone or giving a “thumbs up,” can be considered impolite.
To clear up ambiguities, it is essential to ask questions from several angles, rephrase, and listen as much to what is not said as to what is spoken.
Languages, Greetings, and First Contacts
Bengali (Bangla) is the official language, spoken by over 98% of the population. In urban business circles, many people speak English, and sometimes Hindi, under the influence of foreign media. This facilitates professional exchanges but does not dispense with learning a few basic words.
A few expressions to gain goodwill and improve your social interactions
Say ‘I sincerely thank you’ to show genuine appreciation and strengthen positive bonds.
Use ‘I see the work you have accomplished’ to value commitment and encourage collaboration.
Say ‘I share your view on…’ to create a sense of camaraderie and mutual agreement.
Express ‘I admire your way of…’ to reinforce esteem and establish a personal connection.
Say ‘I would be delighted to help you with…’ to demonstrate generosity and empathy.
Use ‘I understand that this can be…’ to show listening and understanding.
| Expression | Meaning in English |
|---|---|
| As-salamu alaykum | “Peace be upon you” (Islamic greeting) |
| Wa alaykumu s-salam | Response to the greeting |
| Namaste | Common greeting among Hindus, with hands together |
| Doya kore | Please |
| Dhonnobad | Thank you |
Greetings are generally warm. Between people of the same sex, a gentle handshake is exchanged. Between men and women, physical contact is not automatic: wait for a woman to extend her hand; otherwise, settle for a polite nod. A post-pandemic gesture, well accepted, is to greet by slightly bowing your head and placing your hand over your heart.
Politeness formulas are important: using “Mr.” or “Ms.” followed by the first name, or “Bahadur” (Sir) and “Begum” (Madam), is common. The suffix “-ji” added to a surname increases respect. Letting your interlocutor suggest switching to first names alone is a sign of delicacy.
Business cards, given and received with the right hand, should be treated with respect: take a moment to read them briefly before putting them away, and avoid scribbling on them in front of the person.
Family Life and Social Organization: A Very Collective World
Preparing for life in Bangladesh also means understanding that the basic unit is not the individual, but the group – first and foremost the family.
The Weight of the Extended Family
Traditionally, the Bangladeshi family is organized into a “bari,” a unit where multiple generations cohabitate: parents, their adult sons, daughters-in-law, grandchildren, sometimes cousins, uncles, aunts, and grandparents. Several houses may be arranged around a common courtyard in rural areas.
Even though urbanization, migration to cities, and economic constraints are pushing more and more towards nuclear households, the influence of the extended family remains very strong. Major decisions – studies, career, marriage – are generally discussed with parents, sometimes with uncles and elders of the lineage.
This model comes with a strong expectation of solidarity: everyone is supposed to support others, financially or morally. The notion of “family honor” carries great weight: an individual’s behavior reflects on the entire group.
Model of Solidarity and Family Honor
Authority, Gender, and Social Roles
Bangladesh remains largely patriarchal. The oldest male in the household plays a central role in decision-making, although, within the domestic circle, the senior woman – mother or grandmother – may wield considerable authority over daily organization.
Gender roles are clearly differentiated:
– men are traditionally seen as income providers and representatives of the household outside;
– women manage the home, child-rearing, meal preparation, even when they hold a salaried job.
In urban and educated circles, women are gaining in mobility and economic role, but domestic expectations evolve more slowly. A wife who too openly challenges her “socially defined” role may expose the couple to tensions, especially if the in-laws are very present.
For a Western expatriate, the presence of gender norms can be surprising, especially in a professional environment where offices are often very male-dominated.
Marriage, Rituals, and Family Continuity
Marriage is a major stake, well beyond the affective dimension. It aims to ensure the continuity, cohesion, and reputation of the family. Most unions were long arranged by parents, with the help of relatives or “ghatak” (matchmakers). Today, young people have more freedom to choose their spouse, but parental blessing remains crucial.
After the ceremony, the son generally lives with his parents and his wife, or in separate housing but under the father’s authority. Unions between distant cousins or within the extended lineage remain frequent.
Divorce remains socially frowned upon and rare. The idea of a marriage primarily centered on the individual complementarity of the spouses is relatively recent and coexists with a more traditional view of marriage as an alliance between families.
Children’s Socialization and Values Passed On
Children grow up surrounded by many adults: parents, grandparents, uncles, aunts, elders. They are taught very early to obey their elders and prioritize the group’s interest over their personal desires. Open disobedience is poorly perceived.
School education is highly valued, seen as a vector of social mobility. Families often invest a significant portion of their resources in their children’s studies, even if it means making sacrifices elsewhere.
Rites of passage – ceremony on the sixth day after birth, choice of an Islamic name with sacrifice, circumcision, then marriage – mark life and reinforce family cohesion. Here again, religion and tradition are intertwined.
For an expatriate, interacting with this very familial structure means frequently being asked about your own family: parents, spouse, children. These questions are part of polite conversation, not indiscretion.
Working in Bangladesh: Relationships, Hierarchy, and Negotiation Style
Cultural differences are strongly manifested in the professional world. Understanding the Bangladeshi style helps avoid a lot of frustration.
Relationship First, Contract Second
The business culture is fundamentally relational. Before talking numbers or clauses, time is taken to get to know each other, to establish a climate of trust. A first meeting often serves more for lengthy introductions and exchanges about family, health, cuisine, or local culture than for sealing a deal.
Meetings generally start with an extended phase of “small talk.” Trying to get “straight to the point,” to shorten these moments, or to aggressively “close” a negotiation will be interpreted as a form of impatience or lack of respect.
Important decisions are rarely made during the first contact. They go up the hierarchy to the ultimate decision-maker – often the most senior person, present or not at the meeting – and may require several encounters.
A Very Marked Hierarchy in the Office
In companies, hierarchical structures are clear and decision-making is centralized. Subordinates expect instructions, and managers expect to be informed and consulted. Decisions are made “from the top down,” sometimes at the cost of delays that may disconcert expatriates used to more agile organizations.
During meetings:
– the most senior person generally opens and closes the formal discussion;
– junior collaborators rarely speak up spontaneously, especially to express disagreements;
– it is frowned upon to correct or directly contradict a superior in front of others.
Conflicts are managed more through influence and assertiveness than through explicit compromise. The ability to navigate this system, respecting ranks while advancing one’s own objectives, is a key skill for the expatriate.
Meetings, Interruptions, and Time Management
Punctuality is appreciated as a sign of respect from foreigners, but in practice, meetings may start late and extend beyond the scheduled time. The idea of a strict, minute-by-minute segmented schedule is less ingrained than in Northern Europe, for example.
Interruptions during meetings, such as answering the phone or receiving colleagues, are common and normal practices in Bangladeshi offices. They may seem disorganized to an expatriate, but they are part of the local functioning perceived as lively and natural.
The phone, moreover, occupies an important place. Not answering a call immediately, even during an appointment, is sometimes considered impolite. Email is still used for formalities or written confirmations, with a response frequency that accounts for the Friday-Saturday weekend.
Dress Code: Sobriety and Professionalism
Appearance matters a lot. Professional style is conservative and rather formal.
For men, dark suits or a smart shirt and tie are the norm in a business context. Women wear covering attire: sober pantsuits, non-transparent blouses, or elegant sarees. Tight-fitting, low-cut, or sleeveless clothing should be avoided.
Clothes should be clean, well-ironed, and shoes closed. Strong perfume may be poorly perceived. Overly casual attire – jeans, t-shirts – makes a very bad impression in meetings, even informal ones.
Integrating into Daily Life: Behaviors, Sensitive Topics, and Social Life
Beyond the office, social life in Bangladesh is intense but follows specific codes it is important to know.
Gestures and Attitudes to Adopt… or Avoid
A few principles guide daily life:
– remove your shoes before entering a home;
– use the right hand to eat, offer, or receive an object;
– physical displays of affection in public between spouses (kissing, embracing) are frowned upon;
– expressing strong emotions – anger, agitation – is seen as unprofessional.
Some common gestures elsewhere can be interpreted as offensive: crossing your legs conspicuously facing someone, showing the soles of your feet, or giving a “thumbs up” in certain situations. Open body language, a moderate smile, and a respectful posture, on the other hand, work wonders to facilitate relationships.
Meals and Gifts: Codes of Hospitality
Invitations to lunch or dinner are frequent and often constitute the natural extension of a developing professional relationship. Refusing a meal outright may be perceived as an affront; if you cannot accept, it is more acceptable to say you need to check your schedule than to decline flatly.
At the table, it is customary to serve the oldest people or guests of honor first, who generally start eating before others. Eating with the right hand is very common, and it is perfectly acceptable to ask for cutlery if needed. It is advisable to avoid using the left hand to handle food.
Offering a gift to a host or business partner is appreciated as a gesture of goodwill, provided certain rules are respected: no alcohol, no white flowers (associated with funerals). Sweets, chocolate, or small symbolic items from your country are good choices. Gifts are traditionally opened later, after the guests have left.
Topics of Conversation to Favor – or Avoid
During initial exchanges, the following topics are highly appreciated: family, health, local gastronomy, culture, festivals. Bangladeshis are often delighted to explain their traditions, introduce you to dishes, or share anecdotes about festivals like Pohela Boishakh (Bengali New Year) or Eid.
It is recommended not to initiate conversations on sensitive topics.
– religion (unless your interlocutor brings it up first);
– domestic politics, community tensions, terrorism;
– money on an individual level (income, savings);
– weight, physical appearance, or a person’s intimate family life;
– criticism of the country, its culture, or its infrastructure.
If these topics arise, prudence and listening are key. Sarcastic humor or cultural generalizations can be misinterpreted.
Housing, Transportation, Living: The Practical Reality of Expatriation
The cultural differences in Bangladesh are also expressed through housing, cost of living, access to services, and the way daily life is organized.
Housing: An Informal and Very Unequal Market
The rental market is largely informal. Online listings give a first idea but are often approximate or outdated. Most good deals are shared by word of mouth, via local agents or the expatriate community.
The neighborhoods favored by expatriates in Dhaka – Gulshan, Baridhara, Banani, Bashundhara, Uttara, Dhanmondi – concentrate embassies, international schools, modern shops, and high security. Rents there are significantly higher than in the rest of the city, and foreigners often pay two to three times more than residents for comparable housing.
In Chittagong, Khulshi, Nasirabad, or GEC Circle play a similar role, generally at more moderate prices.
A striking cultural trait is the presence of two kitchen spaces (light and “heavy”), due to the importance of frying in local cuisine. Bathrooms are “wet,” meaning the shower area is not separated. In older buildings, Turkish toilets remain common.
Leases are often written in Bengali, requiring a translator or lawyer. Rent negotiation is almost obligatory but must be done with patience and politeness: overly aggressive bargaining methods are poorly perceived.
Cost of Living: Very Low on Average, But Contrasting
Bangladesh overall offers a very low cost of living compared to Western countries, although some expense items soar for expatriates (luxury housing, international schools, imported products).
To grasp the disparities, a comparison between Dhaka, the capital, and Chittagong, the second-largest city, is telling.
| Indicator (approx.) | Dhaka | Chittagong |
|---|---|---|
| Estimated monthly cost for one person | $464 | $358 |
| Estimated monthly cost for a family | $1,123 | $882 |
| 1-bedroom rent city center | $149 | $115 |
| 3-bedroom rent city center | $274 | $213 |
| Utilities 1 person (elec/water/gas) | $22.70 | $14 |
| Local bus ticket (one way) | $0.41–$0.50 | $0.20–$0.23 |
| Doctor’s visit | $12.10 | $8.04 |
The differences are clear: Dhaka is about 20 to 25% more expensive than Chittagong depending on the item. But in absolute terms, both cities remain very cheap compared to Europe or North America. It is estimated that living in Bangladesh costs about 76.7% less than in the United States (housing included), and about 68.1% less if housing is excluded.
In Dhaka, a large portion of the local population spends up to 50% of their budget on rent.
Climate, Seasons, and Impact on Daily Life
Bangladesh has a tropical monsoon climate, generally hot and humid, marked by three main seasons: a dry and mild winter, a hot pre-monsoon season, then a long rainy season.
The following characteristics are particularly important for an expatriate: adaptability, open-mindedness, intercultural skills, autonomy, and ability to manage stress.
The climate is characterized by three seasons: a dry winter from November to February/March with pleasant days and cool nights in the north; a hot season from March to May/June where temperatures often exceed 95°F (35°C), reaching over 104°F (40°C) inland; and a monsoon from June/July to September/October with intense rains, very high humidity, and frequent flood risks.
The country, a vast flat delta of the Ganges and Brahmaputra, is highly vulnerable to floods and cyclones from the Bay of Bengal, particularly between April and December, with peaks of intensity in late spring and autumn. The heavy rains of July-August can paralyze transport and temporarily isolate some areas.
To settle in comfortably, it is strongly recommended to plan your arrival during the dry season, between November and February. Days are sunny, warm without excess, humidity is more bearable, and transportation is more reliable. Bargain hunters will often find slightly cheaper airfares in late November or between late February and early March, outside major festivals.
| Approximate Period | Typical Conditions | Relevance for Expatriates |
|---|---|---|
| Nov. – Feb. (dry winter) | Mild weather, little rain, low humidity | Ideal for settling in |
| Mar. – May (hot season) | Intense heat, growing humidity | Tiring, avoid if possible |
| Jun. – Sept. (monsoon) | Heavy rains, floods, high humidity | Not recommended |
| Oct. (transition) | Gradual improvement, heat still present | Acceptable but variable |
Adapting your wardrobe (light, breathable clothing, rain protection, but also a light jacket for winter evenings in the north) and taking seriously the health risks linked to heat, water, and mosquitoes are part of the essentials.
Health: System, Risks, and Realistic Expectations
For many expatriates, the shock comes not so much from the culture but from the healthcare system, which is very far from Western standards.
A Pluralistic but Underfunded Healthcare System
Bangladesh has progressed on some indicators (life expectancy, infant mortality) but still faces major challenges. The medical system is composite:
– a public sector overseen by the Ministry of Health, with district hospitals and a network of community health centers;
– a rapidly growing private sector, providing about 60% of services, with over 5,000 clinics and 9,000 diagnostic centers;
– a very active network of NGOs, particularly in maternal health, family planning, and certain pathologies;
– a vast informal sector (pharmacists acting as “doctors,” healers, unregistered clinics), which constitutes the first source of care for about 80% of the population, especially rural.
Health expenditures barely represent 2.5% of GDP, well below the WHO recommendation (around 5%). Less than half of these expenditures are public, and nearly three-quarters are paid out-of-pocket by patients. Result: many forego care due to lack of means.
This is the number of hospital beds per 1,000 inhabitants in Bangladesh, illustrating the insufficiency of health infrastructure.
For an expatriate, this means you cannot count on uniform access to quality care across the entire territory, and most public facilities do not meet the standards you are accustomed to (overcrowding, uneven hygiene, outdated equipment).
Expatriate Strategies: Private Care in Cities, Evacuation Abroad
Expatriates and the most affluent Bangladeshis largely turn to:
– major private hospitals in Dhaka (like Square, United, etc.), for both emergencies and maternity care;
– pharmacies affiliated with these establishments to limit risks of counterfeit or expired medicines;
– medical evacuations to India, Thailand, or other countries in case of severe illness or major surgery.
The phenomenon is massive: each year, hundreds of thousands of Bangladeshis go to India for treatment, and healthcare expenditures incurred abroad by residents are estimated at several billion dollars.
Insurance with coverage for hospitalization, specialized care, medical evacuation, and repatriation is essential to avoid exorbitant costs or resorting to an unsatisfactory healthcare system.
Prevention and Specific Risks
Relocating to Bangladesh also implies taking certain health risks seriously:
– tap water is generally not potable: it is recommended to drink only sealed bottled water or filtered/boiled water;
– undercooked or poorly stored street food can lead to intestinal infections; keeping diarrhea treatments in your pharmacy and consulting a doctor if symptoms persist for more than 72 hours is essential;
– mosquitoes are vectors for diseases like dengue (very present in cities), malaria (more rural), chikungunya, or Japanese encephalitis. Repellents, mosquito nets, long clothes in the evening, and, where applicable, prophylactic medication should be part of your routine.
To this are added risks linked to urban density, air pollution, and chaotic road traffic, which can affect respiratory health and general well-being.
Security, Law, and Sensitive Topics: Better to Know Beforehand
The security and legal dimension is also part of the “cultural differences” in a broad sense, insofar as it influences how to behave in public and manage interactions.
Legal Framework, High-Risk Topics, and Minorities
Bangladesh is a predominantly conservative Muslim country. Certain realities that may seem given in the West are not here, or even directly clash with the law.
Homosexual relations are illegal and can theoretically be punished with life imprisonment. Beyond the law, activists and LGBT+ individuals have been targeted by extremist groups. Generally, individuals perceived as very outspoken “secularists,” certain intellectuals, or members of religious minorities (Hindus, Buddhists, Christians) have been the target of attacks in the past.
These elements do not mean it is impossible to live peacefully in Bangladesh, but they impose strong precautions of discretion for concerned expatriates and advise avoiding public stances on these topics.
Local laws governing family, property, and inheritance differ significantly from Western legal frameworks, often incorporating principles of Islamic law. Land disputes are very common and their resolution can be lengthy. It is strongly advised for a foreigner not to undertake the purchase of land or real estate without serious, local legal assistance.
General Security and Prudent Behavior
Authorities recommend a high degree of vigilance for foreigners. Violent crimes and acts of terrorism have occurred in the past. Demonstrations can escalate quickly. Expats generally inform themselves through their embassies, local press, and community networks.
Some reflexes to adopt:
To stay safely, it is recommended to carefully choose your residential neighborhood, favoring well-secured areas frequented by other expatriates. It is advisable to avoid large political gatherings or demonstrations. It is important to be discreet about your financial situation and to be wary of common scams, such as unofficial taxis, “spontaneous assistance” at the airport, or overcharging. Finally, always keep a copy of your ID documents on you, with the originals kept in a safe place.
Women, in particular, may face forms of verbal or physical harassment, on the street or in transportation. Modest attire, traveling in groups or accompanied, and using reliable means of transport (recommended drivers, reserved services) significantly reduce risks.
Accessibility for people with reduced mobility is very low: sidewalks, transport, public buildings are rarely adapted for wheelchairs.
Perception of Foreigners
Despite these constraints, Bangladeshis generally have a very positive and welcoming attitude towards foreigners. Curiosity is great, especially in less touristic areas, and it is common to be stared at, or even approached, particularly around train stations or in villages.
This attention is not necessarily hostile; it often reflects the rarity of visitors and a desire for contact. By responding with a smile, a few words of Bengali, and a calm attitude, you will turn the majority of these situations into friendly exchanges.
Managing Culture Shock and Succeeding in Adaptation
Even well-prepared, the expatriate will go through phases of disorientation – the famous “culture shock,” a mix of enthusiasm, frustration, and mental fatigue in the face of difference.
Understanding that this process is normal already helps to get through it. Specialists generally describe several phases: the initial euphoria, confrontation with difficulties (language, administration, social norms), gradual adjustment, then a form of mastery, where one manages to combine their culture of origin and local codes.
In Bangladesh, this shock can be accentuated by: extreme weather conditions, population density, economic vulnerabilities, and insufficient infrastructure.
– the human density of large cities like Dhaka;
– the visible religious fervor in daily life;
– climatic constraints (heat, monsoon);
– bureaucracy and administrative delays;
– the gaps between expatriate living conditions and the reality of the local population.
Concrete strategies allow for a better transition:
– learning a few basics of Bengali for the market, transport, greetings;
– participating in expatriate community life (clubs, online networks, regular meetups) while building relationships with Bangladeshi colleagues or neighbors;
– maintaining touchstones from your culture of origin (cuisine, hobbies, regular contact with family and friends);
– practicing a regular physical or relaxing activity to relieve stress (yoga, walking, sports, meditation);
– keeping a journal, blog, or notes to put your experiences into words and measure progress.
Over time, many expatriates acquire a form of hybrid identity, comfortable in several worlds. Bangladesh, with its human warmth, close-knit families, and vitality, can then become not just a workplace, but a true “home” in the heart, provided you accept playing by the rules of difference.
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Relocating to Bangladesh ultimately means accepting to enter a very collective system, where family, hierarchy, religion, and the notion of respect strongly structure interactions. It also means benefiting from genuine hospitality, a low cost of living, and a culture of great richness.
Cultural differences, far from being insurmountable obstacles, then become reference points to better understand the country, adapt your behavior, and build solid relationships, in both professional and private life.
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Cyril Jarnias is an independent expert in international wealth management with over 20 years of experience. As an expatriate himself, he is dedicated to helping individuals and business leaders build, protect, and pass on their wealth with complete peace of mind.
On his website, cyriljarnias.com, he shares his expertise on international real estate, offshore company formation, and expatriation.
Thanks to his expertise, he offers sound advice to optimize his clients' wealth management. Cyril Jarnias is also recognized for his appearances in many prestigious media outlets such as BFM Business, les Français de l’étranger, Le Figaro, Les Echos, and Mieux vivre votre argent, where he shares his knowledge and know-how in wealth management.
