# EP 52 - Lo que no me dijeron antes de ser mamá ft. Irma Pa

An episode of [Economics Data Podcast](https://invisiblenetwork.ai/podcast/1690287258), 29 May 2024, 37 min.

Audio: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/60202870/ecd_irma.mp3

Consolidamos en un episodio TODO lo que necesitas saber antes de quedar embarazada. La preparación financiera para esta etapa no es un relajo🥲 con el embarazo, parto y posparto vienen muchos gastos importantes, cuantiosos y que propablemente no tenías ni idea. Este episodio junto a @irma_pa es la antesala a encontrarte con todas esas sorpresas financieras, perfecto para ayudarte a prepararte para ese momento tan especial en la vida 🥰💸 Si quieres seguir aprendiendo de finanzas “con cucharitas” síguenos Instagram Youtube TikTok

## Transcript

[0:00] You' d like to know your future or at least what you' re
[0:04] going to live when you don' t want to or can' t work
[0:06] anymore. The superintendence of tensions invites you to know a future projection of your
[0:11] tension bottom. Visiting the web portal. Know your future point say o.
[0:15] You' ll find everything you need to know about that monthly money you can
[0:20] count on when the time comes for your retirement. Know your future point or
[0:24] is an initiative of Zipin Zipin working for your future. You are ready for
[0:36] the financial event that will change your life forever. Finally, the event that
[0:40] you expected most, the most important financial event of the year, the financial
[0:46] ferea finance with spoons, the appointments next Saturday after or Polia or at the
[0:50] Intercontinental hotel where we will have an amendment full of financial knowledge talks and an
[0:57] interactive space where you can know and request the best financial products. Here'
[1:03] s your Www lockers. Economic com or welcome to Economics Tata your financial podcast.
[1:15] Here we will speak lightly and sincerely of money, where together we will
[1:21] turn the difficult into easy and clear we will take our finances to another level.
[1:26] From now on, your numbers will be as if you' ve never
[1:32] committed errols for a choice past, a healthy present, a promising future,
[1:36] and a grateful pocket. That' s why we' re following us on
[1:41] Instagram, Facebook, tik tok linking and Twitter. Arroba economistad he low welcome
[1:45] to new episode more Economics Tata your finance podcast. I am Kimberley and I
[1:49] am Laura, and we are here in the month of Mothers, dedicating to
[1:53] this complete episode, to the mothers and to the 1, 500 doubts that
[1:57] have come to us by the dr of future mothers, women who are in
[2:05] search of having a baby or who are already very advanced in pregnancy and who
[2:09] have, gentlemen, undoubtedly too many confusions, because it is a subject that
[2:16] no one may prepare you for this simply. I mean, if there are
[2:19] booklets, and I know there are booklets, and I know there' s
[2:21] a lot of information on Google. But it' s not the same,
[2:23] Lord, it' s not the same when you get to this stage,
[2:27] when you start looking or when you already get pregnant, because you realize all
[2:30] the things that nobody ever told you and that you would have loved to know
[2:36] and I' m going to talk from my experience. I' m already
[2:38] in my second pregnancy. And gentlemen, the truth is that it' s
[2:44] a world, it' s a world of things that never prepared you for
[2:47] this, that you' re going into the middle of spending, how it
[2:52] affects your finances, how it changes the financial landscape suddenly just with a positive
[2:57] in a test and how I know that there are many women, many people
[3:02] who are also partners with too many confusions, because we dedicated this episode to
[3:08] clarifying these doubts from our experience. Here we also have to go map Lino,
[3:14] who is publicist podcaster s col hosst of tell the pot Podcast, and
[3:21] also Nicole' s mom, of me am mother. I mean, I
[3:23] understand everything you said. He cleans it up. Oh today without learning,
[3:27] because I' m still not a mother, just a mom, not a
[3:30] dog, but perfect doesn' t apply then. I think this episode is
[3:32] all that you were saying is that it' s gonna be too good for
[3:36] me when that time comes. I have no excuse to say that no one
[3:38] told me, because here, at once, we are going to be quiet,
[3:40] but you come to convey the doubts of everyone who has written to us
[3:45] and your own doubts. Or there' s perfect. I' ll eat
[3:47] you. Welcome. Thank you, thank you very much, Girl for the
[3:51] invitation. Monkey. Everyone knows they told me about Podcast' s money.
[3:53] Oh, my God, what am I going to love, because I don
[3:57] ' t know what the example and let it do gnification, but well,
[4:00] we' re here for me clear and you already have? Your baby,
[4:01] how old is he? Nico' s gonna be a year old now in
[4:04] June. Yeah, there' s 10, 000. Of course the guy
[4:08] ' s running away amazingly and we talked to you when you found out,
[4:11] he was wanted. It was a surprise look. You know that when since
[4:16] I got married, I told my partner, I' m not sure.
[4:19] If I want to say before I get married, I' m not sure.
[4:23] If I want son, you, you' d agree. When he
[4:26] told me that. Yeah, perfect, one less charge. I know why
[4:29] I really had a child wasn' t something that kempe didn' t in
[4:32] my checklists. Having a child was that well, if I have it,
[4:35] thank you, if I don' t have it, then no problem.
[4:39] Come on I was at your checkliss You know, things I have to do
[4:43] before I die for nothing. It wasn' t a priority. Even I
[4:46] always said pussy to give a child to my sister, who lasted a long
[4:47] time searching. I prefer that Leave it to my sister who really wants it
[4:51] to me who does, I say, wow, thank you, but if
[4:54] she doesn' t, I say good. Oh, he didn' t
[4:57] touch me, but nothing like that wasn' t planned to make you without
[5:00] n was. However, it was not avoided, because it is many deaths
[5:03] that I know how much was avoided. I didn' t avoid that anymore,
[5:06] so I said if there really is and nothing left and immediately the pregnancy
[5:17] started. You know I was leaving for after I didn' t find out,
[5:24] then I was chilling the first quarter, nothing to think about. In
[5:28] the second I said Mira dynam Acá, a sister who is very planned to
[5:32] start asking Mira and you, you find out, how much it costs.
[5:34] I was of that woe it is true that a life that I am making
[5:38] here in the womb. Yeah, I mean, until that kid doesn'
[5:41] t yard. I had all been here. A lot happened, then nothing.
[5:44] Later, yes, I began to investigate what is spent. Well,
[5:49] for example, master starts as an exact yes what were those expenses that you
[5:53] said, wow, I didn' t know surprise. You know that childbirth.
[5:57] One knows, obviously, that it has a cost. I don'
[6:00] t know, though. I think doctors are handled differently, not everyone.
[6:02] There is, for example, a gynecologist who tells you my amount. It
[6:05] ' s so much, I don' t know how it works. I
[6:09] do, they tell you the truth, but I didn' t really do
[6:11] it to you. In the first one you should just tell you you came
[6:14] look. This is the plan and not just that. The patient for some
[6:17] unknown reason is afraid of questions that they have not told me how much he
[6:21] is brother. He asked when my brother told me that your coat with your
[6:26] genecolaga, how much it costs and I uh, it really isn' t.
[6:29] I' m the one who' s worth the consultation, I'
[6:31] m the one who consults her. I know how much the clinic, more
[6:33] or less one leaves. But they cover somewhere. I didn' t know
[6:40] there were doctors who did. There are others who don' t, who
[6:42] are very traditional maybe old school, who charge something very minimal, but there
[6:46] are others who have an amount, that' s what I charge for that
[6:48] part. Yeah, so investigate that very important actually before the pain doesn'
[6:53] t get here and that it' s not just a doctor, I mean,
[6:58] it' s not your good echo, or we' re talking about
[7:00] a like a bo- a- like in childbirth, that' s in
[7:03] this guy the cool thing that I' m asking you back. So it
[7:04] ' s a few numbers that although the insurance, yes, there is very
[7:08] good insurance, that you get reimbursed, but you have to go out of
[7:11] pocket first totally. You had good, sure, gone, I had insurance,
[7:15] yeah, well if it covered me well or it didn' t cover
[7:17] me 100%. It' s not about that international aha, but it
[7:21] covered well, I mean it covered me pretty well, but yes, there
[7:25] are things that don' t cover and you have to have cash. That
[7:29] doesn' t have to do this transfer has to do yes, guys Someone
[7:33] gets that transfer And it' s pretty fucking accurate. You know that the
[7:42] touch, please, he says yes and it is a very great pressure for
[7:46] man at this stage. As a financial person, you always think of a
[7:49] woman, you really carry everything, but the man is thinking that it was
[7:53] My husband also gave me good ca irma. We have to make a word
[7:57] look. True, you know that man often has the financial. Yeah,
[8:01] sure, sure, I don' t know what culture is, but man
[8:05] is usually thinking more about it, because they feel it' s more their
[8:09] responsibility. You' re already giving birth, and you formed a conchole boy
[8:13] to leave me, find the rooms, and then my husband also told me
[8:16] to plan, we' re not going to be an excel word, I
[8:20] hate the Texas word. I open excel and I say what to do.
[8:24] I don' t know what makes me crazy, but my husband is planned
[8:28] and that' s where we started the calculations made an excel with all the
[8:33] calculations and Gabas did it to you and I told myself how much. Okay.
[8:35] And another thing in my case, it was Male. One of the
[8:41] more expensive things that came out of me was the circumcision of St Leiño mine
[8:46] I mean, Irmont, he just touched a peck that I didn' t
[8:48] think of. You hadn' t thought about it. Now it' s
[8:50] Male. Oh, well, look, I' m gonna recommend that I
[8:54] use it. That' s very good, indeed, very well known,
[8:58] but in my case, my insurance, if I didn' t cover it,
[9:01] I didn' t get the reimbursement of that and duty was his seventy.
[9:05] Oh, my God, yes, yes, it was that I had
[9:07] episode power and never went out to find out that investigates like that my ia,
[9:13] so yes. Of course, if you want to be circumcised, but
[9:16] it' s important to know at least not. In my case he didn
[9:18] ' t cover the insurance and there I did say you know what we'
[9:22] re going to give it. We' re already covering a certain ok thing
[9:24] that I want to do gives her vice nothing and it was invested there and
[9:28] inside the pregnancy you also faced medical expenses that were not covered in the insurance.
[9:33] I have it, for example, in my case the medicines were exhausted,
[9:37] that is, I was exhausted very soon and in my case, the
[9:41] medicines I covered for you the insurance that I covered for sure, so,
[9:43] in my case I had to buy expensive medicines, which is not the case
[9:48] all mothers, but it can happen. Then you have to have like a
[9:50] fondito for those emergencies and every month I was spending twenty- four thousand pesos.
[9:54] Or yes, but what was it. Yeah, yeah, yeah,
[9:58] yeah, no, in my case it wasn' t so much the world,
[10:01] but yeah, it' s true. I didn' t cover all
[10:03] the meds for the best and you spent that if I saw her or remember
[10:07] everything, you wouldn' t give her. I don' t find out
[10:09] in vitamine about any of that. So they' re always like a few
[10:13] thousand pals out of insurance that add up to your monthly budget. Yeah,
[10:18] of course that' s a flaw I make. I pay for it and
[10:20] I don' t pay for it anymore. If I put it in the
[10:22] picture and you give me the total how it makes you crazy here sometimes I
[10:26] say I say I' m giving it yes fatal. That' s why
[10:31] I told them to teach me, clear money mentality fits more than all this
[10:35] is you, see everything to know where your stop and then take action.
[10:39] Yes, of course we have to change. They' ve improved what needs
[10:41] to be improved, but nothing we' re going to work on. This
[10:43] with you. And another thing also that at least in my case spends and
[10:46] a lot in the pregnancy process were the sonograms. To me, specifically my
[10:52] doctor told me I want you to do it in such a poor place or.
[10:56] He was paying me back a part. If I' m not mistaken
[11:01] and I was each carrying eight thousand pesos. I understand that at least it
[11:05] hurts a thousand times a year and the consultation where your gynecologist, too,
[11:09] you had that, which means that you have pierced onographies, those vitamins that
[11:16] you mean, even if you don' t have any diseases, you have
[11:18] to take every month. Yeah, and I think going more, that'
[11:22] s a lesson like seeing how it went with my pregnancy insurance, I stop
[11:26] a second pregnancy, because I changed the insurance before. Yeah, yeah,
[11:31] yeah, cover everything that didn' t cover me, totally increase drug coverage
[11:33] on the cenography where you were doing it. Yes, and also that I
[11:39] always say it here the Dominican understand what it is. There are times that
[11:43] you pawn with maybe a doctor or a place that I don' t know
[11:48] isn' t your reality, I mean, sometimes I say my Semi reality
[11:52] is to go in such a place. I go to such a place,
[11:56] settle down, look for the nicest thing that' s within your budget,
[12:00] that I feel that sometimes you go to the guagua thinking that the best,
[12:03] maybe the most expensive and not necessarily. In my case, my gynecologist and
[12:07] I asked him where you get and mint what exactly covered you in such a
[12:13] place, such a place. I like this ok more of the options you
[12:16] gave me, I like that goes with me perfect. I went with this
[12:20] one, I checked there that covered me, that covered me so much,
[12:24] covered so much, that is, everything well. But, however, I
[12:26] know that there are times there are people who go crazy because I have to
[12:31] give it in such a place because yes, because that' s what I
[12:35] avoid, which is the best, because I see that there is where they
[12:37] upload the photo to everyone who gave birth and I' m not saying any
[12:41] specific place, but that there are times that you pawn in a place because
[12:43] you assume and can' t and really your pocket doesn' t give it.
[12:46] That' s not the way it goes. My love investigates and there
[12:48] are good places that are in your budget. Yes, one star tip that
[12:52] we always give is that you have to compare it in all the senses of
[12:56] your life. You and I' ll compare you to see what suits you,
[12:58] what' s better, that suits your pocket more. As you say,
[13:01] your insurance is covered, because if you' re not going to get
[13:05] involved or you' re going to have to see that card because you'
[13:07] ve seen the babies you' re in the clinic that didn' t cover
[13:09] your insurance. But you have to figure it out, because if you don
[13:13] ' t get out of there, then you' re going to get into
[13:16] debt with your credit card at sixty percent annually that that will square any financial
[13:20] panogram totally and more that you' re going to come with more expenses.
[13:22] Now exactly this that surprised me also in the interim of the lembar. We
[13:24] ' re still talking about those expenses in pregnancy, that is, the baby
[13:28] hasn' t arrived yet To me it makes half a topic of so or
[13:35] how good those birth classes, of dula, of accompaniment, of the contense,
[13:37] all those things. It was also like a blow to me like what,
[13:41] but I thought everything was like flowing natural. But no, I mean,
[13:43] there are classes of all kinds and, for example, for me the
[13:46] kind of fundamental substance. I mean, for me that' s not negotiable.
[13:50] I need a person next to me because if I don' t know
[13:52] it' s not going to work and I prefer to pay that for myself
[13:58] it' s an investment versus the formula that shaped me with my first baby.
[14:01] Yes or yes the formula. Gentlemen, that' s easy. We
[14:03] haven' t gotten there yet, but easy to get in at thirty-
[14:07] fifty thousand a month. Yeah, that' s right, so that'
[14:11] s all I' m surprised about. You saw some advisor in front of
[14:13] you. Yes even and I recommend them just as you did, because I
[14:18] must also say the sayings that have come that someone gave them to you.
[14:22] He told you I' m going to give you this advice and it was
[14:24] the best they did. Oh, don' t be there It' s
[14:26] a good gift. And that' s a very long gift. It'
[14:28] s an investment because I' m not going to say it' s economic.
[14:31] It' s not an investment you make, but the results are incredible.
[14:37] I had someone associate everything with that if the minutes that if I don
[14:41] ' t know what and I loved it, however, I don' t
[14:45] know what happened. Oh, oh, oh, I don' t know
[14:48] what happened. I had to or I don' t know what happened.
[14:50] In my case that happened. My Baby was born with the frenillo, which
[14:52] is something the pediatrician also didn' t tell me. I didn' t
[14:54] know. I found out in the Instagram interim that I had my crazy algorithm
[14:58] Baby and I saw that I or, but reborn like I have something like
[15:01] that and then I already had a month fighting that everything hurt me that horrible,
[15:07] it' s horrible, ah, horrible. And, well, that
[15:09] was also something that was added to that flannel operation. That' s what
[15:13] I was gonna tell you, that' s over, yeah, that,
[15:15] that' s out and then he sure was a part of you. And
[15:16] there I came up with the importance of having an emergency fund, because you
[15:20] weren' t expecting that, that is, how you were going to know
[15:22] that you were going to do with a frenillo, so that' s something
[15:26] that you can touch your emergency fund to afford that operation in an ideal world,
[15:33] women, because we would prepare financially talking about having a baby like that
[15:37] to look for, to have it for all these castos that we' re
[15:39] talking about. But we know that truth that maybe five hundred would be hemorrhaged
[15:43] maybe one, two, one because he was going to look through one method
[15:46] and another because he knew that since he was married a long time ago he
[15:52] was going to start looking, but then never in life has anyone mentioned to
[15:56] us that he is going to prepare for that. Sure as what your kills
[15:58] are. You say ah I want to look for a baby for a year
[16:03] and I' m going to start preparing for that. And that costs like
[16:06] a car, I mean, you know this whole process costs a lot more
[16:10] than the initial of a car, so we' re talking about an important
[16:12] mountain. Yeah, pretty much, yeah, yeah, now that you'
[16:15] re gonna have your second Babyckin, you' d take those classes again.
[16:19] Yes, of course, everything is forgotten, that is to say I heard
[16:23] a doctor explain everything to me always the same, that is, I don
[16:27] ' t remember any more how old your Girl is, two and a half
[16:30] years old and already yes, but in truth this has one and I forget
[16:34] about things already, I mean yes yes yes, so you have to write
[16:37] it down, even if it is your second baby is to have those classes
[16:40] aha exactly. Then also something since I was surprised, but to a large
[16:44] extent the baby is born. True, we already have all these expenses below
[16:48] and we have not said that we have to furnish. We have are aha
[16:52] that is really the first baby. Like, they help you a lot with
[16:56] gifts and they' re a big gift, like the crib, the car,
[17:00] the carcit Those things are so big. They help you, yes,
[17:03] yes, yes, but, whatever you want, there are things you don
[17:06] ' t. They don' t have to get out of you. Yeah,
[17:07] yeah. If you give a baby shower, for a lot of gift
[17:11] and all that baby showard also costs tax if the idea is that other people
[17:15] make you the bibie show for your place who you consider to be exactly linen
[17:21] looking already they send it to the sole, the mom and I good with
[17:26] that one has to buy many things to furnish the room. I also had
[17:30] the joy and also that I get it and I don' t care,
[17:33] because there are people who don' t like it and I don' t
[17:36] have problems with that. They gave me a lot of things, also used
[17:38] to look at you as a crib has two leans. Mu Cho clear,
[17:41] gentlemen shoulders, the charasa the cradle was a pancho, the vita well painted
[17:48] cha crispi exactly. Clothes I mean, now I' m starting to buy
[17:52] Nicholas clothes because I got so much netting from an amazing thing, because even
[17:56] from people we don' t know each other in people, no, I
[18:00] mean we don' t know each other and they sent me things. I
[18:03] was excellent, so I support you. Yes, yes, yes, everyone
[18:07] who can receive things that he likes to receive, because there are people who
[18:10] don' t like to use things that someone else uses and it doesn'
[18:11] t matter. Tito doesn' t matter to me either, nor am I
[18:15] just calculating that I have four little nephews are frosty. I have the crib,
[18:22] but yes, but whatever you want for those who don' t have
[18:27] the joy that I' m going to give you everything, not all the
[18:32] clothes, not all the feffers you need for a baby that' s born,
[18:34] that' s small and everything has to be tailored. So we obviously
[18:37] do not know the financial landscape of the whole world, because everyone who receives
[18:40] income on different dates receives extraordinary income. There are also people who receive them
[18:45] every two months, every three months, every five months, every six months,
[18:48] once a year. So, since we don' t know this,
[18:51] what we want to ask you is that you analyze that extra income that you
[18:55] receive throughout the year. Your monthly overview, too. How much potential you
[18:59] have for monthly sheets so that you go planning the purchases that of all you
[19:03] need, the baby and the room in the interim, that is, since
[19:07] you arrived the time well, in the interim go buying those big things for
[19:11] moments, especially when you receive those extra income and the small things pajamites.
[19:17] What' s going to happen if you touch the bathtub, what the soap
[19:19] and all that, because he' s also buying it a little bit every
[19:22] month, that is, no matter what you have two months you find out
[19:25] about. He didn' t tell me it doesn' t matter. He
[19:26] ' s buying the hallway,' cause it happens so fast. Yes,
[19:29] and also good, and buys necessary things, because sometimes one buys a roll
[19:33] of things, which is toroto. I' m full of corrotos, a
[19:37] heavy one. I don' t know, he didn' t. I
[19:37] know what. She doesn' t get excited that she has a baby,
[19:41] the first beautiful baby, but researched. If you have a vega, which
[19:44] has an ay, I tell you the choir thinks exactly what they told you.
[19:47] Look, it does or it does, you need this, but you
[19:49] don' t even touch it and it was a failure. Let me look.
[19:52] I know that, for example, Zapatista, what one buys. My
[19:56] boy was born with one foot. Sir, I can' t explain the
[19:59] size of this microso. He even has a totuma. The shoes don'
[20:02] t serve you, and you can' t afford it It' s an
[20:06] unnecessary expense. There are things that come back. For example, the sterilizer
[20:08] I don' t know. I was called as three credible sterilizers of people,
[20:12] and in the end, as you don' t use it, you
[20:15] use it to a certain extent. Sure. In the end I wait a
[20:18] while before I buy. That' s what I say in me now.
[20:22] When they also resolve what is called the Moses. You wait, I bought
[20:26] and it really works for me at four months ah you' re perfect sate.
[20:30] My Moses is full of clothes. Now my good you don' t
[20:36] use it, but mine' s guilty too. Mam told me who barley,
[20:38] but that' s two years old, two and a half years old
[20:41] and me mom waiting for the other thing that I or I don' t.
[20:42] But look, how there are things that, for example, IT worked
[20:45] out and you didn' t, I mean because, for example, you,
[20:48] mad were telling her something that didn' t work out for you,
[20:51] but that some moms do that' s the thing about carrying the baby to
[20:55] me, yeah, yeah, that' s seventy dollars lost are there,
[20:59] yeah, but why, because you didn' t know. She used it,
[21:00] because she didn' t like the baby, she didn' t hate
[21:04] it, she hated it, she cried hysterical, she got red. You
[21:07] had to take her out to the second, because look, in my case,
[21:10] he loved it, it' s that Mira every year was different from
[21:12] him, that is, he slept there just glued aha to what I had
[21:17] and also what' s called this hugged him. Right now, e formoms
[21:19] that for me from a chorus. Yeah, well, uh- huh,
[21:22] well, you and we already have another one. Lord Look, diversity,
[21:26] it moves you, I pay you ten minutes and happy and either, ten
[21:30] minutes in a whole day and two months prota. No. In my case
[21:36] he didn' t get any more He hears because when he was no longer
[21:40] found by Poets, that child. I didn' t really put it on
[21:41] and it lasted. But well, what you see, they are things and
[21:45] I did like the good brand did catot but as a transporter, that was
[21:48] the human. Yeah, yeah, I loved that because I was having breakfast
[21:52] and I was up there on my table and he loved you like a curl.
[21:56] That was a page to me. Ah of course, then we'
[22:00] ll see in my case neither in my case is it a corroto also more
[22:04] and also like that there are some manticas that tighten it also that I don
[22:08] ' t know what they are called, but that cover it up. It
[22:11] makes it clear how we use them. They' re not there Something a
[22:15] lot of people say no to me. That' s nonsense, a corote
[22:17] and I loved it and I have it there to use it again. It
[22:19] ' s the whipe heater. It' s a short for me what you
[22:27] don' t and it was very cold at night and the baby like that
[22:30] warm. Of course I wasn' t warm to you I had cold stitches,
[22:37] dryer, but June kid, buyer the white, corto or it works
[22:44] for my choir case it' s true, there' s God I have
[22:48] it, but I get to put it the couple of times I won'
[22:51] t tell in my lie, but I don' t put it like music
[22:55] from my cell phone eh an in the end the same guite, but I
[22:57] break it the art music. Yes, of course, the number part of
[23:02] the Persians is the cell that is put in the crib that has little things,
[23:07] which gives pressure to the heart. Yeah, yeah, I' m
[23:10] waiting for the other one, but then pink, so I have to sell
[23:11] it. Yeah, yeah, yeah, that' s also what else I
[23:19] consider krotobuana. Maybe the bath, my bath. I made the mistake because
[23:26] I took care that I bought it without pedestal, i e, it doesn
[23:30] ' t have pedestal So the back pain not that we had or a page
[23:33] false Yes, yes, yes, already this year I got the little thing
[23:37] to buy the pedestal. That was a stick to me. The pedestal can
[23:41] be bathed as you like on the pedestal, but your back. Yes,
[23:44] yes, yes, super necessary, of course and how much you recommend the
[23:48] car Set that becomes a car. I liked it for using a year for
[23:52] a year. I don' t have that in there, yeah, not
[23:56] the new. My sister' s using it tually. Yeah, yeah,
[24:02] well, I was that story. I started to cry truth bad cry go
[24:06] wait for your sister really Jever is the incredible lord that is already Nicolas has
[24:10] as who says, a little brother takes him already too much more will be
[24:12] in search of the truth. Well, my brother knows her. I cry,
[24:18] my sister uses it and I see it and it' s practical,
[24:22] really, but I didn' t want to invest in it. I said
[24:25] how long it' s going to last nine months. It' s the
[24:26] nine months that lasts not for me that lasts a year, but my maba
[24:30] doesn' t get too high. Mine' s tall, giant. From
[24:33] the belly he said to me in it is above. It' s over
[24:36] there. Then I think the du would have lasted very little. That'
[24:38] s why I didn' t buy it, but it' s very practical.
[24:41] I see my sister using me look yes. It follows it very practical,
[24:44] especially when when one has truth both vehicles dad the clear ma is a
[24:48] stick and clothes New Bourn. For me, yes, yes, yes.
[24:53] If it is that preli de pear grao eight books pico de es large measure
[25:00] not to see primedia means yes, you have to have it, you have
[25:07] to have it or not between pajamites. Yeah, yeah. Yeah. Literally,
[25:10] that' s my number three pajamite of zero three pajamites of three,
[25:15] like you basically connote it using it at the beginning and a lot of the
[25:21] white elevens. A lot there, yes, and a lot of it,
[25:25] first of all, because I' ve already been imagined by Mancha, you
[25:30] point out for this. I think you' re going to repeat it,
[25:32] because equal that hermitage that is yes and it' s repeated, but really
[25:36] yes, but it' s true that expense for a photo and also what
[25:40] you buy for the clinic that dykes to decorate the little thing, so that
[25:42] for a photo more nothing. Yeah, so there' s five thousand pesos
[25:45] or a picture worth you either so maybe the decorating of the name might be
[25:48] fair for the second not the door, you can use the room. Yeah,
[25:55] what I have in the room, but there you don' t know,
[25:57] ' cause you don' t give this to yourself I' m where
[26:02] the baby comes from. Ah everything they said, I can also put it
[26:07] in the room. No, no, no, kiddo, ay muy o
[26:11] aha, that' s a room that you got those clothes, the first
[26:17] podesta. They tell him it didn' t work for him very young,
[26:22] Lord when the coal nurse and the river diajajajaja chingatega. Oh, my God,
[26:29] well, that' s how he didn' t even know what those
[26:32] things were. And I said, wow, this is crazy. No,
[26:33] the first madness was the liquid formula and the formula killed me, God,
[26:38] my brother, when you see him what when, yes, and when I
[26:41] say that this month I get subdued, I said, my God, what
[26:45] bravos. Yeah, yeah, yeah,' cause it gets to the point
[26:48] where it' s about a thousand and a bill of weight. Diary.
[26:48] Daily' s crazy. The price has already risen sharply in recent years,
[26:52] at least in the United States. I have seen that one of the articles
[26:55] that raised the formula the most and I or older overparents and yes it is
[27:00] tolerant vomits that has to be testing you rotating, because there intolerant to lactose
[27:03] that said more expensive or yes, I had to buy one more face to
[27:07] in the version, which is for the stomach. And another migen not the
[27:11] no. I didn' t take another migen that I had to send for
[27:15] the people because it was running out. Yeah, this one didn' t
[27:19] show up at any supermarket. It had to be some specifics. Yeah,
[27:22] yeah, yeah. For me, too, that was a big devansian blow.
[27:25] Yeah, plus, vaccines my insurance is international, the case of my
[27:29] baby ok, so international insurance isn' t meant to be used here.
[27:33] I was interested to be moving from being used outside. Then the vaccinations.
[27:37] It covers two hundred dollars a year, some vaccines that each time one went
[27:41] there were sixteen, twenty. Yes, I love well, in my case,
[27:45] on top of covering gold already for this second baby is 100 percent.
[27:48] Another insurance can be used. Yes, yes, of course, another good
[27:52] national. Yeah,' cause you use it back here. Yeah. Yeah,
[27:55] yeah, yeah, that' s exactly vaccinations. Well, more classy
[28:00] encouragement, uh- huh It doesn' t say that. Yeah, I
[28:02] already did. That' s got his rib too I can' t imagine
[28:07] it from beds. I made it out of the two months. Yeah,
[28:10] yeah, yeah, and Mira' s really good. I don' t
[28:12] know about it, but I, the boy, I stopped as a kid.
[28:15] Oda. My mother- in- law, sir, they' re
[28:18] women all the time. Ola was not farting it. I' m a
[28:25] teacher or give exactly gray sue listen to this please, not in my case
[28:29] I wasn' t lucky because I already mother- in- law a little
[28:32] older. But yes, since the two months and they are we are talking
[28:34] about between six thousand shon may pas or monthly stimulation that you advanced command.
[28:37] Yes, and this expense to see if you have anything clear, of course
[28:45] what else I' ve forced you all along. That' s also part
[28:48] of the investment, because you have that person specifically to take care of your
[28:53] child not to do things in the house too or it' s not just
[28:56] for the girl or even, yes, for the child forgiveness, yes,
[29:00] it' s an expense, it' s a clear expense. So there
[29:02] I already had as the budget of a family that has no children, a
[29:04] normal couple, oh that has a child look at how there are too many
[29:11] categories that this say that the nana is if your particular case requires it from
[29:15] Peter. Most people are working, working exactly. The diapers of that jacket,
[29:21] too. That surprise that a box of diapers doesn' t last more
[29:25] than a month. It' s a surprise to me. It lasts less
[29:26] than a month and the wips also last longer, but still expensive. So,
[29:32] there' s a thousand pes omilie something and I recommend you in tubey
[29:36] Devey Shaver. Put yes yes, put your diaper on and put your ip
[29:40] yes. Yeah, you do. You recommend that you whiter whiters. If
[29:44] I used it and I liked it a lot, there are actually people who
[29:47] have different opinions. In my case, it seemed yes to me. I
[29:51] bought it, but I actually asked for Amazon. It cost me a lot
[29:55] of weight. Then r an alternative. It' s flat here and there
[29:57] ' s good here It is. Something that also surprised me a lot was
[30:00] that already, when she was four months old, that is, a newly
[30:03] afiba baby, already I had to be looking for, preschool and booking it.
[30:08] How it' s going to be that everything is filled, that everything
[30:11] is dripping, you have to book a year earlier. That' s right,
[30:15] I didn' t do it when I was four months old. I
[30:15] did it a little later. I' m that special, but the sooner
[30:19] it makes me even a little cheap. The payment I understand according to the
[30:25] places I investigate when paid at once is a little bit micro that are one
[30:29] of the most expensive things. Yeah, right, yeah, yeah, they
[30:30] ' re more expensive. I don' t know We' re gonna do
[30:32] it. I say expensive, but of customs to touch. And I also
[30:37] say that for those on- time expenses, that is, we talked about
[30:40] the formula that sells it at the supermarket, yes, in pharmaceutical is and
[30:44] for the school you can also ally yourself with credit cards that give you cashback
[30:48] back. In cash, in those categories, because that' s how you
[30:52] go and you' re gaining the burden, so you also have to look
[30:56] for that total car. It' s the part of the strategy that when
[30:59] you' re going to have a look at a card that has cashuck in
[31:03] sick supermarket. This is unfaithful, exactly Yes, in educational expenses there are
[31:06] some that put when on the dates that are those blows. Yeah, yeah,
[31:11] yeah, which is that they' re exactly so true, going further,
[31:15] what advice you have for these mothers, that' s already based on
[31:18] what we' ve talked about, for these mothers, which mothers are exactly
[31:23] like a person like Laura, exactly like me. But a little rookie a
[31:27] recommendation. Speaking of finance, I imagine, yes, yes, yes,
[31:33] well, but I' ve got to get ready. No, no,
[31:40] no, you don' t know easy, I mean, no, but
[31:42] imagine that I' m going to face that and not this episode, because
[31:47] we' ve already learned the cho here. No. No, no,
[31:48] my recommendation is obviously Plan that one to your budget. I' ve always
[31:56] said that. Search looked for a way to make it work for you,
[32:00] of course, both financially and your lifestyle. If your lifestyle isn' t
[32:04] one more up than you have, it doesn' t matter live your life,
[32:07] as you can say so much in keeping with your budget. And when
[32:12] you nas that boy flow, you have to know. And that doesn'
[32:16] t involve just financially. Yes, no, because I think a lot of
[32:21] opinions. Do what you understand, whatever makes you happy, something that works
[32:25] for me. It wasn' t necessarily me that worked for you. You.
[32:29] You can hear opinions, but in the end you evaluate. Okay,
[32:31] I' m doing it. It doesn' t work for me. No,
[32:32] bye, thank you, but bynta, in the end one has fluid
[32:37] with what makes you happy and point and with what gives you peace of mind.
[32:39] If one could the octa dms a year, congratulations, I unfortunately couldn
[32:45] ' t do that. I' ve always told her. Every one of
[32:47] us, every one of us, I end up different. Look how a
[32:50] lot of things worked out here and me a lot. You don' t
[32:53] understand that it flows with what is coming, that is, that planning flows
[33:00] clearly kneads, but yes, no, no, no, but it'
[33:04] s very valid, because as you say, every motherhood is different. Yeah,
[33:06] I did my part, because one thing is, I didn' t
[33:08] do the breastfeeding class. I didn' t read or read anything and I
[33:12] wasn' t given that' s why I' m going to snoop around
[33:14] to be told. You have to breastfeed, because if not your son will
[33:16] be sick. I don' t know what I mean, I couldn'
[33:21] t make my effort. It' s going to flow and make my effort
[33:24] by planning those two for me, i e actions. I think they'
[33:25] re fundamental to having a good motherhood. Of course, there' s a
[33:30] very famous method that' s called the expensive method, which is for the
[33:35] face Karl Matt, that is, it seems to me that children learn or
[33:37] what to sleep and everyone was like that Kimberley. This is the best method.
[33:40] Without this he' s not going to sleep and I let him read
[33:45] it I really studied it and I' m going to go try on to
[33:49] see how about Suaro forgets about that hates him. It didn' t work
[33:50] for you to put 1, 500 fools in the crib. The girl stood
[33:52] up playing no and I didn' t, but what' s that.
[33:54] So there you go seeing that he doesn' t me everything is a previous
[33:57] mistake. You' re trying out what works for you? Doesn' t
[34:00] it work for you? He rules out zeros three. Now on financial matters
[34:04] the time for me is essential to evaluate that new budget. It is important
[34:07] not to know what is coming, what are those new categories that we have
[34:10] talked about. Then go scoring that comes this, this, this, this,
[34:14] this that was not and estimate to see where. I' m going
[34:19] to get to the bottom of Emersonse too. Gentlemen, that' s important
[34:22] to see you. You have to, you have to have it there because
[34:23] you don' t know what you can' t deal with in pregnancy.
[34:27] Look in my case, I have to use other medicines in this process that
[34:30] cost me twenty thousand pesos maca or any other normal person and I would say
[34:35] that you have a good second I get very important safe, pay the best
[34:38] insurance that you can really have. That' s a version, it'
[34:42] s not an expense. It' s the best you can do, not
[34:45] just for pregnancy, but because you don' t know when a diagnosis comes
[34:47] that you' re the exact one. It is already complex, clear and
[34:52] also good. One already when he has a boy, one evaluates priorities,
[34:55] one goes to buy something and says wait for you I can now have to
[35:00] pay for such a thing the child does not go. Then seeing the trips
[35:02] will diminish me go to the best, where I plan a little more there.
[35:07] Yeah,' cause you went on a cruise with nicole my I threw
[35:12] that episode. Yeah, yeah, I had to go with it because we
[35:15] ' re looking for an option, whatever, that works for the group.
[35:19] But also I don' t do with a boy, a cruise, one
[35:21] walks like a hotel floating. You understand not because it came out cheap.
[35:23] It' s important to know, because that kid paid for that piece of
[35:28] this payment on the cruise ships. Yeah, you need less, a little
[35:30] less, but it' s not like that kid doesn' t eat anything.
[35:34] I look for age. I eat hey, well, I' ll
[35:37] give you an air oey, but if you' re already after, when
[35:42] you have a boy, you' ve got a priority assessment, you say
[35:45] and exactly. We have to make a list of essentials, to give priority
[35:45] it' s worth it, I can or I can' t. Yes
[35:51] to what you can what you can not, because if we do not live
[35:52] on cards, they are cards and we know that the card must be paid
[35:57] for in pink. The pocket comes out of a kill of good, as
[36:00] we have come to the end of the episode here with many teachings for those
[36:06] parents who had so many doubts about how parents fronts, exactly the future parents
[36:10] so the process, who are in search to face these expenses. Those things
[36:15] that no one told you and that, sir, we already told you here,
[36:19] we warned you. The whole thing you have to figure out. There
[36:21] are no excuses, and because if not the truth that one is surprised,
[36:24] one is surprised. And it' s like more painful when a surprise does,
[36:29] money. So it comes, but it really goes. Thank you very
[36:32] much, Mr Voso for the invitation to help us discuss this issue here.
[36:37] So many graces, so many smiles, so many grunts look I do not
[36:43] speak to you. You can well, it has to help on foot planning
[36:46] work. This animal can invert it in its exact name. You know.
[36:51] You know you already know. Well, I' ll see you next time.
[36:53] I share this episode with the mother- in- law, with the
[36:57] mother- in- law who here throws a pa de pujas sturas parentes.
[37:00] I' ll also see you at the next

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