# EP 44 - Revelando nuestras finanzas con los esposos (Y sorpresa🤩)

An episode of [Economics Data Podcast](https://invisiblenetwork.ai/podcast/1690287258), 3 Apr 2024, 1 h 11 min.

Audio: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/59269894/ecd_esposos.mp3

Un episodio muy esperado🤩🤑👩❤👨 citamos a nuestros esposos al podcast y entre risas y debates hablamos del manejo de los numeritos🤑 Sin duda alguna, elegir a tu pareja se convierte en una de las decisiones financieras más importantes de tu vida, donde se convierten en un equipo y alcanzará metas financieras en conjunto y tomarán las mejores decisiones para alcanzar el éxito financiero. Definitivamente nosotras estamos muy felices con esta decisión🤩🤩 Quédate hasta el final para enterarte de la mejor sorpresa 🥹 Si quieres seguir aprendiendo de finanzas “con cucharitas” síguenos Instagram Youtube TikTok

## Transcript

[0:00] What you' re doing today brings you closer to where you want to be.
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[0:27] quicker and check it out Welcome to Economics tata your finance podcast. Here we
[0:35] will speak lightly and sincerely of money where together we will turn the difficult into
[0:41] easy and clear we will take our finances to another level. From now on,
[0:46] your numbers will be as if you' ve never committed errols for a
[0:52] lecturing past, a healthy present, a promising future, and a grateful pocket.
[0:56] That' s why we' re following us on Instagram, Facebook,
[1:00] Tiklok, Linkedin and Twitter. Approve comista welcome to the most requested episode of
[1:07] this podcast. My God, we have good guests, very close, very
[1:15] close to us who are economic partners dates clear and apart from the away,
[1:19] I don' t know if this is a hook. I don' t
[1:23] know what' s going to happen today. I hope it' s a
[1:25] good thing. Uh, but I' m sure everyone who' s going
[1:29] to listen to this episode is going to come up with something positive. Seeing
[1:30] totally and we always believe want to bring theory into practice and today we came
[1:37] to literally bring our finances, with stories, with experiences with the other side
[1:45] of the coin. Yeah, yeah, yeah, we made it clear that
[1:47] we' ve been a hook, yeah, yeah, and no, and
[1:49] maybe people say they' re not perfect anymore. Not that those finances in
[1:53] that house are a thousand an hour, but she doesn' t spend.
[1:57] Yeah, yeah, yeah. But today we' re going to talk about
[2:00] what reality is, how we handle our finances in the house, what these
[2:06] things are happening to us, that we have to make decisions and we'
[2:09] re married both. So the financial decisions already, when you' re married,
[2:14] are made together. And to talk about all this, we brought in
[2:19] the guests that you most have asked of our wives or economic partners dates.
[2:24] I see that they were saying we were docile, strange rum scream all my
[2:31] day they are still operating, they have yes actions of today and they are
[2:38] all the partitions of good nine. Splitting it up. They' re reinvesting
[2:40] right now. Well, here we have Juan, who is my husband,
[2:46] and Marcos, who is my husband, who came straight from Miami just to
[2:50] record this episode. He arrived at three o' clock in the morning,
[2:53] at the time it' s night, at five o' clock in the
[2:55] morning, at five o' clock in the morning. He got up at
[2:57] 8: 30 in the morning, ladies, or s and it' s
[3:00] morning, so you guys go there today he said come back. It'
[3:04] s back. Well, gentlemen, we' re not going to talk about
[3:09] not too. Dick, the girl picked me up early, all too late.
[3:15] Good, too, and pancake. Yes, sir, you know that
[3:21] the one with childish children is already your alarm clock, why you' re
[3:27] already going or door or wave. The one with the dog doesn' t
[3:32] lie this afternoon, too. But I would sleep with you. Yes,
[3:36] of course, gentlemen, but you can already have children because we' re
[3:40] done getting up early. She doesn' t get up. If you get
[3:45] up both of them and she get up both of them. Oh, I
[3:46] love it, chu, yeah, I love it. I' ll knock
[3:51] the door down. There, Dad, but it was already him. But
[3:54] in the end I checked you, so we started. Let' s talk
[3:59] like we mans leave the expense division in these houses. My God, a
[4:04] lot of people think that as you say we' re perfect, that we
[4:10] ' re the one we never spend, that we' re the only ones
[4:12] in control. But today we also want to listen to the other side of
[4:17] the coin that our husbands are going to share as well. How that experience
[4:23] has been since before we get married we already have another episode that we talked
[4:30] about how we manage the finances as a couple and we said that there really
[4:33] are many ways to manage the money as a couple, because there is no
[4:39] universal rule, there is not a recommendation that is the best of all,
[4:43] but that everyone is adjusting to how it works, even going to try different
[4:46] methods. For example, there are couples who unite everything into an account,
[4:50] say all the income they both receive, unite everything into an account and then
[4:55] divide all the expenses and what remains is divided between two. There are others
[4:59] who are John and See that what we do is that we have row categories
[5:05] aha lines where everyone assumes different expenses. For example, responsibilities. Yes,
[5:12] for example, in your case, you cover the loan scale, which is
[5:16] one of the strongest expenses in the house. Not not at the weekend,
[5:21] the driver already fifteen in Galea of the others, but, for example,
[5:27] also within the real estate loan that we made at the time. Everything has
[5:32] a strategy that well, as you already mentioned riding on that, which is
[5:36] the issue that we might be able to pay the whole or even if we
[5:46] were under arrest, we had the possibility to pay the whole of the property
[5:51] alimon El Cacaras. What happens when we sit down what we did was what
[5:57] we decided, was we' re only going to pay in half because we
[6:00] ' re still legally fit for a lot of money. What happens when that
[6:03] dollar was there. I think fifty- two beaks, fifty- three.
[6:09] Today we have fifty- nine. So that we also took advantage of the
[6:14] inflation that occurred from pandemic three n ago when we bought this property as well,
[6:18] everything was going up our face. Another time with the value before inflation.
[6:23] Yeah, like before this monkey, we were even going to see real
[6:26] estate the now I don' t know if I told you right now like
[6:29] three, because we said it' s not outside the budget and we kept
[6:32] seeing and we saw that there was really nothing within the budget that we wanted
[6:35] to allocate. And Machel presumes when it was like price quality and not and
[6:40] we went back to that piece of furniture that we saw two weeks ago and
[6:44] when we came back, they said ah fifty thousand dollars and eight two weeks.
[6:46] Yeah. Yeah? Yeah? Yeah? Yeah? And that was it,
[6:48] I mean, I didn' t see the distribution of the area,
[6:53] including another company that he built. When we saw between the pcific, we
[6:56] paid it literally to the value of the appraisal, which I am very important.
[7:00] You try to always pay the value that gives real the valuation of the
[7:04] bank and do not go crazy with the issue of the demand or mirage that
[7:09] is created to say that the property has demand, that you have to pay
[7:15] it intensely, because if you are not going to miss the opportunity. That
[7:16] ' s all marketing technique. The point of this that we, the decision
[7:24] we made was a very good decision because because we bought in dollars, but
[7:28] we financed a peso, then the debt is always being devalued. I hesitate
[7:33] to understand and we always recommend that also those who earn in pesos their debts
[7:38] companies. Yeah, but the good thing was that you know that all real
[7:41] estate decorations, most of them, ninety percent, are handled with the equivalent
[7:45] of the dollar or in dollars. I mean, if you' re going
[7:46] to buy an apartment, tomorrow we' re going to put in a room
[7:50] that costs you$ 100, 000 or the equivalent. What happens to your
[7:54] financing in weight. You already have the advantage that the dollar keeps rising.
[7:58] Then that debt that you accumulate becomes, it comes in your favor because my
[8:05] love is being evaluated in time. But you play it too It' s
[8:11] no longer a pose, it' s no longer half gross, it'
[8:16] s the generation of legal lace. I' m sure the job, the
[8:20] whole tomaco talks more than I do, so it' s never letting go.
[8:26] We' re still here. We' re on the main issue of
[8:30] how we handle castos in the house. We' ve already seen that you
[8:33] spend on certain categories, that is, it' s your responsibility. In
[8:35] my case, the categories are supermarket electricity that there has been very hard hit
[8:41] the part of the other people who help us in the house and so on,
[8:45] in the case of you, Laura and Marcos, how you handle it
[8:48] good. We have I say that a combination of one part of that category
[8:52] and another the other option they can have in pairs finance, which is the
[8:58] fifty- five ueno and why I say a combination, because we really do
[9:03] what we do is that household expenses we put it in an app and everyone
[9:07] pays my half time, but the responsibility to pay it comes to him a
[9:15] few expenses and some expenses to me. But all, in the end fifty
[9:18] - one hundred c is made what the responsibility to make the payment to we
[9:22] have divided. For example, he makes payment of the loan fee as well,
[9:26] but that is put into the application. Or we' re splitting it
[9:30] up. I pay for the supermarket. He also pays for electricity, but
[9:35] everything is getting into that same application. And the application is an application called
[9:39] Splar Wiss, which we use in the nearby one. It' s exactly
[9:43] used to use rucho. Well here, but made of our own comos because
[9:48] it makes it easy for us to record the expenses and then we pass it
[9:52] to an excel where we see ok how much we spend in each category and
[9:56] there already everything at the end of the month, like it is balanced so
[10:03] that the charge right now is accurate before. That was because another thing that
[10:05] couples also have to take into account is that you don' t have to
[10:09] have a method forever, that is, you have to see which one is
[10:13] attached to you and which one you are holding along the time works. Which
[10:18] is exactly before us getting married, for example, we literally had it,
[10:26] that is, fifty- fifty, and that everyone I mean wasn' t
[10:31] like that so we have an application, a consolidated one or anything, and
[10:35] now we have as a mix of the two. So ideal is that you
[10:39] can see which method is most closely linked to creating fewer financial conflicts in the
[10:46] home. We have more peace and so on. We know a couple who
[10:52] had a lot of problems, who even at one point was going to divorce
[10:56] for money issues, because they had the division that was like Juan Yela had
[11:00] as that by category that basically you, although you do not have perse categories.
[11:03] Everyone who has responsibility for payment is a category exactly, because that couple,
[11:07] the husband, forgot to make the payment of electricity. Imagine you coming
[11:11] home, knowing that he had to pay for the toll and we don'
[11:16] t have a baby Marta has ever forgotten. Yeah, sure, sure,
[11:20] but yeah, I do take it and I never tell him how to put
[11:24] it on pay I remembered and I put it all on, I pay resources.
[11:26] We haven' t been cut, but he says ay hasn' t
[11:28] paid for the light and I what. You and I said good and how
[11:31] they handled it when he forgot. No, I' m Marcos laughs good
[11:35] traveling, I don' t know what and no Sometimes you had to pay
[11:39] moro, not fat, uh, no, because if art arrived they jumped
[11:43] once exactly. I forgot for a couple of months to pay for them,
[11:46] but water, yes and I started, but they didn' t cut it
[11:50] one day, but then the next day I called and came. That day
[11:52] was free, yes, I don' t know, caught until the next
[11:56] couple of hours. No, but that day was that we were really into
[12:00] each other. I mean, sir, in us we got there, I
[12:03] mean, my mom went to Miami to help us move and we' re
[12:09] going to put in context the Dominicans who don' t know what a move
[12:13] like you do is. I' m going to that right here. The
[12:16] move is You who makes a truck in my Dominican Republic, exactly when you
[12:20] go makes a truck and you already have the people who help you assemble everything
[12:24] to disassemble. And that, then, in America You have that choice too.
[12:31] But it' s obviously more expensive, isn' t it, then
[12:35] so expensive. Eight hundred dollars, yeah, you hit, yeah, but
[12:39] if there was a room, that' s what it costs here. No
[12:41] rule. But not a room. No, no, no, no,
[12:43] no, no, you' re moving to no ran vita all proso you
[12:48] ' ll be a room to itself, but now I' ve also got
[12:52] a swing of me Tavía scratched my fridge or I' m scratched to the
[12:56] will do how much that points out no, because it' s really in
[12:58] the appliances. They were not going to move him that he was literally with
[13:03] on the bedside table every ter between exactly Lom has weighed the furniture. Ah,
[13:07] but there you walk on that hook, you fall, oh, it
[13:09] ' s not a room. That' s, that' s little,
[13:13] that' s not little. Believe me, it' s not small,
[13:15] even if it' s not like electro- messic, because I' ve
[13:18] had to do it like three times then nothing. Last time my mom went
[13:20] to help us with my stepfather, to move in. I don' t
[13:24] know what. And when Mommy arrives, I already have all the boxes armed
[13:31] and she tells me like we' re moving in tomorrow. That already in
[13:35] half a day we are ready and since I had moved earlier than the truck
[13:39] if it comes, but we rent it without the lords truth Aha, Mommy
[13:46] tells me like not that. In the middle of the day we do it
[13:48] and I, Mome, we' re not going to do it half a
[13:52] day and you said clearly yes, of course if you' re going to
[13:56] see and when I got the truck, Mommy, like ah ok and the
[13:58] three gentlemen who are going to help us and I or I the three gentlemen,
[14:05] or it was that pres edwing you and I those are the three gentlemen,
[14:11] then you were afraid to see the stress of moving and getting to the
[14:16] new apartment and Amar was Saturday and Marcos. That' s when he forgot
[14:18] to change the name of the former owner. With him. Then we already
[14:22] had everything in the new house but we didn' t have water. Then
[14:26] we had to sleep in the other vamparnament, on a mattress and implable.
[14:31] We passed that when my love kind of slept that moving, we had to
[14:37] sleep. I don' t know if it was on a mattress, a
[14:41] moves how the non- furnishing wave moves. It was because of the cockroach
[14:46] ay hahahaja, of course to dare a cockroach and me and Kimbely to put
[14:50] it on. That was at the beginning of us getting married and me inside
[14:56] the room and four graces and when I see I want private and the little
[15:01] man and the challenge come out the gracha and I said look, I'
[15:05] m not going to mortify myself. It was in the open window, which
[15:09] was the girl over there who probably left it open. That way inside and
[15:11] I said look. I' m not going to Ahorita right now. I
[15:15] slept in the furniture. I don' t know why we didn' t
[15:16] sleep in the other room, or I wasn' t there yet. I
[15:18] was moving out. Listen, I' ll go to my furniture. She
[15:24] said you, don' t argue, little I' m going for the
[15:26] mother' s plan and I' m not going to stick. There are
[15:28] men and then you and me because I cockroach. There' s no,
[15:31] there' s no less. First I' m going, well, I
[15:35] ' m going for the furniture, and she' s like I was here
[15:37] now, like I was talking to her, and I remember everything normal.
[15:41] When I get up the other day, I ride a troll on my neck
[15:46] like I have today, for example, and I feel like King Kim'
[15:50] s foot. He threw the furniture, we slept I give it and pray
[15:54] not neither. I don' t type the Korean ferry is mine. Gentlemen,
[16:03] don' t disrespect Férez. That was literally a plane, a container
[16:08] ship that motivated us there is the one. Yeah, yeah, no,
[16:14] if you haven' t heard the episode of our trip to Korea and Japan,
[16:18] we should have brought the husbands along, too. But, well,
[16:21] we were telling that the tour hired us a ferry and we thought it was
[16:26] a cruise, that it was a cruise that was going to have casino,
[16:30] that it was going to have pool. When we arrived at the casino Machines
[16:36] of the sixty- twentieth of the two thousand other, then we slept super
[16:41] bad that night there I remember wow, yes, but there were a couple
[16:45] of nice thongs because, for example, they helped us, they moved that
[16:48] we were having a lot of work. First they didn' t tell us
[16:51] you couldn' t change money there. We had Korean and Jean' s
[16:53] was already there. In Japanese they helped us with that and also in the
[16:57] kitchen they made us for the recommendation aha, but not bad person. He
[17:02] treated everything very badly, but within the bad, omomos well only goes to
[17:06] eat him or food and they were all food, not pre a pe sea
[17:11] embroidered, was his hand, but the presentation was what Rica and Milin and
[17:15] Marcos bought that machine soup and they threw him to oy and poured it flavored
[17:22] water. But madele literally made a taste of so all the soups of the
[17:30] world of mag in Japan. It was ramming ramme in everything. Yes,
[17:34] gentlemen, I am going to start directing and as you said that we are
[17:37] parts of the owners of this, what is tea sa Güey, what question
[17:41] do you have in your audience do not look at how the change was.
[17:47] Before and after being in tone I became sorry that I told myself about the
[17:51] change now making the thing my measure. Gentlemen, if you see there'
[18:00] s a sign to say about the satin, the best part of your life
[18:04] was marrying me, it' s still true. There' s nothing beyond
[18:08] the marriage that was my daughter. Nothing clear. That has been the most,
[18:14] but it is the fruit of that love, yes, and what tripled
[18:17] the casts in that home for that actually. But for example, real the
[18:22] experience look I knew the one who watches long ago, like everyone in life,
[18:29] a value choice in the university within the Union, certainly, certainly,
[18:33] because of the issue of Chipa, of ambition, of the North. I
[18:40] knew Kimberley was the kind of woman who had perfected my life. No,
[18:45] no, but I' m serious because I was a woman who I used
[18:51] to love. I remember you started out with your arms and that you went
[19:00] to so we go hierbeza and started to. I don' t know we
[19:07] ' re selling rep looks, yeah, but he was all good, yeah,
[19:11] that got you right hand from the family. We all saw them.
[19:14] There are no people my dad wants him as a son. Well, he
[19:15] was going with you to get clothes for him. Well, busts, you
[19:19] guys always had and ourselves, Mrs Ga Labri, I, we kind of
[19:23] had nineteen. Yeah, yeah, it' s a flea and it'
[19:30] s fourth and yes. Gentlemen, we buy you ten, pass, twenty
[19:33] - five for that I' ll be wearing clothes, oscar de las rencallas.
[19:34] Yes, yes, yes, and at that moment we can talk to
[19:37] you about our first venture. Yes, first to start what we call him
[19:41] there, cole fu miks with economics, yes, he coins yes, yes
[19:45] then, but they told me that economic born as a lovebreak. That'
[19:52] s when we fought like we left, she went there with someone else,
[19:56] dropped an account of your having to put me in the gym. I started
[20:00] thinking about business. You didn' t distract me because they made me a
[20:03] good factor. They asked me a question. Well, what about courtship.
[20:07] I saw that desire to be better, to get over it, to have
[20:12] a literal impact on society, but to marry another subject. So, when
[20:21] it touched me, that is, the pretty part, you are seeing them,
[20:25] for example, Renata a fruit from that pretty part. But for example,
[20:27] in the end Meda mal Ok at first cost me because I was getting
[20:33] up two in the morning. He connected you in the fridge literally already sent
[20:40] the series and learned it again with him and already all conditioned. I was
[20:45] already cracking. But I did crash and I liked it very much that when
[20:53] I met Kibla, Kim Le had not yet had his first job. As
[20:59] long as we are literally about to get married, you didn' t motivate
[21:02] me. Yes, I remember I told him Hey Ponte, because at that
[21:04] moment he was studying, he was getting up already in the morning and once
[21:08] you went and if I lasted we were in two different stages, when what
[21:12] you took me five years, yes, yes, yes, when the reason
[21:15] she once worked in a bank that literally I told him at the time he
[21:21] heard you already, I you are brilliant and so has grown in time what
[21:26] happens. And when she starts is that she' s already finished her career
[21:33] and she' s starting in the professional arena and she' s kind of
[21:37] creating a map, that' s one of the things that I' ve
[21:41] liked most that literally started segmenting the issue of financing in the house and I
[21:47] think as a universe of options, for example, on an issue of investment,
[21:51] of intelligence, of spending, of absolutely everything. So before you invested
[21:53] it before I have no, no, literally that I didn' t.
[21:56] And neither, because it' s very likely that he didn' t have
[22:02] the resources to invest either, which is one thing to have, but he
[22:07] didn' t have the instruments at all obvious. I didn' t know
[22:10] about the system, mainly the bagging in general. I knew what a certificate
[22:12] was, but I didn' t know what a mutual fund was, or
[22:17] I didn' t know what an AFI was where teeth were. So,
[22:19] those elements helped me a lot for me. I started learning the word,
[22:26] or practically how I learned to diversify thanks to it, i e it didn
[22:30] ' t. We' re going to use the wonata at least what the
[22:34] experiences you had before and it comes to you roots only that that' s
[22:40] safe, it' s there, etc Terhundred and thirteen or pole a certificate.
[22:42] If you have a lot and I don' t think about it in
[22:45] a moment, but when you see what you earn in a certificate, you
[22:49] do, for example, as happened in Pandemia, that there would have been
[22:53] bottom that had a three and a half in the two thousand twenty- one
[22:59] six. That he remembers me or that' s me tabs water me and
[23:04] obviously, I lived talking about looking at Central Bank notes sixteen percent. We
[23:07] ' re placing the position, we even publish it well economic and Juan says
[23:14] Ok time passed, he saw what we generated with the sixteen percent and the
[23:18] timbal that' s what I was telling you in the notes of the Central
[23:22] Bank, that came out at sixteen. Why didn' t you tell me
[23:25] I would' ve put all the money in. No, not everything,
[23:27] because, for example, with real estate investments was also a boom At that
[23:32] time I didn' t get into the bubble game on any of that stuff
[23:34] I usually had the price as much as I wanted. First I believed in
[23:40] a project of one of two of my best friends and I literally saw I
[23:45] ' m going to have a profitability of eighty percent in two years. Yeah,
[23:48] there' s no such thing. There isn' t. Here'
[23:49] s a contrast, like between us the hour, and is that the investments
[23:55] that Juan prefers are more traditional investments, a little more risky in immobilized version,
[24:00] in real estate, in the tourist area, our same house, for
[24:04] example, as Juan is aha ha business, Juan is more than there versus
[24:08] me, that I am perhaps a little more conservative and he really urges me
[24:12] to stop being so conservative and like to take steps that scare me. And
[24:17] that' s what I think is part of and the balance sheet, that
[24:22] is, having two different risk profiles. Maybe when Juan wants to do something
[24:25] very risky, you also tell him how to ok, but we' re
[24:29] going to diversify a little bit. Then allow you to have a diversified portfolio
[24:33] and at the same time, when you are going to make a decision to
[24:37] invest in something risky or something more conservative, because you see the two sides
[24:40] of the coin. Yeah, yeah, brands, how your life changes after
[24:45] you marry my finances, really good. Well to me, my dear,
[24:52] before we get married we drink together. Yes, of course, there'
[24:55] s no such thing when I don' t move before I know her right
[25:02] before I met her, I was there, I lived in America. Then
[25:04] I left here at the age of eighteen, for I had a time practicing
[25:10] it that it was to manage my own money, because my parents did help
[25:15] me, but in part I also had presents. We' re students and
[25:19] all that stuff I was dealing with. Every semester, then I had to
[25:23] learn how to handle my money that would last. I couldn' t waste
[25:27] it, because if I didn' t have to go where I was going
[25:32] for ay every dick urges apart which student, you studied, you studied in
[25:33] finance. Then I was already very much in that area always from the beginning.
[25:37] What I liked most about investment has been and so I have left the
[25:42] most so far. I want a little more to diversify into light in real
[25:48] estate and things like that are stock and the United States Stock Exchange, which
[25:52] in that you are also a thing. In that I am very risky very
[25:56] aha, sir, that is Marcos your portfolio. This really action, this
[26:00] technology that I believe can be negative. Hus was negative the other day,
[26:06] but he told me about an envious action that how much you bought it.
[26:10] Yes, I understand it a hundred and it' s in seven hundred and
[26:15] five u but it brings a lot, one good one, that I'
[26:18] ve been saved from one bad one so exact, but in total yes,
[26:25] I' m positive right now, but at the end of the day,
[26:26] that' s risky. But I don' t know. I like it
[26:29] better because if you invest in good company, you can make the return that
[26:33] you won' t make in five years in a diversified fund. Of course
[26:38] not everything is in individual actions. I have, I have funds in which
[26:44] it is diversified, but you lean a month no more that thing. I
[26:47] make it fifty fifty fifty percent more risky in my portfolio. It' s
[26:52] pure in individual actions and then the other diversified. But yes, then when
[26:56] the work comes, for from the Brideze we moved together. So as long
[27:03] as you' re getting to know the person, it already comes from an
[27:06] economic background, me from finance, and it actually flowed very, very well,
[27:10] because pretty much ours are very aligned in our super alen vision. But
[27:18] it has to do with it is true. He' s got to tell
[27:21] the truth It' s a lie, the little bubble, the faggot in
[27:23] the stomach. How are the bubble today, the faggots, These in the
[27:27] stomach are the butterfly of what map the mother read to with the devita.
[27:34] Ah no, here we go back to the same thing we came to the
[27:37] finance one or all no, not all the strong size now, since the
[27:42] not that was the courtship, clear clatra with the time they grow, van
[27:49] diminue but come in also you have to say, i e, ok we
[27:56] were very aligned and everything else that you already had a lot of fine knowledge,
[28:00] i e, it wasn' t unlike, for example, Huay Kim,
[28:06] that Kim came to teach him financial instruments. You really already had the
[28:07] knowledge, but you were pretty close to me with the money, that is,
[28:14] he or she, Dominican words that could say that I was half cheap,
[28:19] half mean or you are or you are not being this pipe no longer
[28:23] good, no longer or already was a clear tran, that is, everything
[28:26] is in process, in life, when the fucker starts, You start to
[28:30] handle money and you depend on your vision, because you want to get to
[28:34] something, then you have to manage and control. Or you' re gonna
[28:40] get some balance, balance. Yeah, being extremist. That' s where
[28:45] I came out I read it too. Yeah, I' ve got some
[28:47] balance with you, too, that I know the theory. I think one
[28:52] thing about theory and another thing about practice. There are also s We swing
[28:57] nails because the work came to your house and wanted to go on a trip
[29:02] the next exact day by labra, the savings we are traveling mentioned. Then
[29:07] there' s nothing, but have fun You handle this frame. Good travel
[29:11] control, just as you have said many times, as you schedule partner financial
[29:17] medical appointments every month or something. So we sat down and argued. Look,
[29:26] we want to do this, but what is the reality or where we
[29:30] want to go or what investments we want to make in the future, for
[29:33] which we have to save monthly or make some kind of sacrifices that if they
[29:38] are not made and well we have if we have the bill to travel.
[29:41] But if you take that exact how you' re going to get how there
[29:45] are other dances. Sure as one is not perfect. I say I'
[29:48] m very emotional too. So Marcos comes along like we' re going to
[29:53] control that part a little bit, like I' m taking a trip like
[29:56] I want to, but he tells me Mira we said we' re going
[30:02] to buy a real estate before we have to also put book. All right,
[30:03] all business. If you grow, you, your networks, old your
[30:07] income, aha, you have or you increase your income or reduce your expenses.
[30:14] Laura loves to make up income, but at the same time increases spending.
[30:19] Because, not obvious present frames do not end either, not proportionally.
[30:25] But I' m a pommel of even if income increases, we' re
[30:30] going to keep the same lifestyle at the level because I don' t know
[30:37] if you' ve heard the firm methodology that I don' t know.
[30:38] Saving a lot like a madman right now to get you out of here all
[30:42] of a sudden exactly. I don' t take him to that end.
[30:44] Oh, I' ll tell you no. No, it wasn' t
[30:47] for five, not ah sti, but you' re wearing extremes. I
[30:49] ' m taking him to that extra So I came here to sort of change
[30:55] your whole thing more, for example, than bitter and you said shut up.
[30:57] I remember you used to say hey, yeah, yeah, yeah,
[31:00] yeah, shit, yeah, yeah, shit. He was very stingy.
[31:06] I mean really not really to the foot the man' s IpO ay.
[31:11] It was austere to him. There' s a difference between austere and you
[31:15] can sing me every time I stay with the teneo don' t come and
[31:18] defend Jameyluvia and I use it with the linen. S vera glove son I
[31:22] said I disconnected to the fridge. That was inspired by a caste e.
[31:26] It' s not very close to us that disconnected the fridge all envelopes,
[31:30] everyone. But that was also a relaxing my love. No. No,
[31:33] no, no, I was throwing it out. S no. But that,
[31:37] that, those are jokes that make it already because as he has the
[31:41] fame a little bit similar to the cheap frame and that but we won'
[31:47] t tell you who that then oh yes, oh, probably not. But
[31:52] I mean, right now I don' t remember an example, because the
[31:53] truth was a long time ago more at first. But I mean, I
[31:56] do think we came here to create that ball. And one thing that I
[32:00] also, I mean, Marcos makes me see a lot is that he always
[32:05] compares like an expense, that is to say the proportion, like ah gas
[32:09] in Miami and sir that restaurants are super expensive, like going to the top
[32:15] restaurant that just came out that a dish can cost you up to a hundred
[32:21] dollars, and Marcos, like he makes me the analogy, like wow that
[32:23] I don' t know what it is, we could buy a brisket and
[32:29] eat in the house make it super rich too then he always looks like you
[32:32] ' re looking for those comparisons, as long as I compare those amounts,
[32:35] that' s okay. That' s right, because this doesn' t
[32:38] and it lands, because like before you' re going to be, I
[32:40] ' m saying it, too, like I' m getting rid of it,
[32:43] it hurts, yeah, yeah. It also happens to me that I
[32:44] compare it, but I don' t compare it as well as frame,
[32:49] but I compare it with a goal, for example, or with a true
[32:52] trip that I love just as well as that we go to so many restaurants
[32:59] this month, but that she half the trip, the one that is the
[33:02] same as sometimes you have. You want to buy a hoten I want to
[33:05] buy you for a trip to a coat something and you say two hundred dollars.
[33:08] Wow. I give it and I don' t give it. You
[33:10] think about it seventy thousand but when we go, let' s go out
[33:15] and we' re weaving a hundred dollars of pothole, yes, yes,
[33:19] and the other day if you first take it and the next day you want
[33:22] ' s why I believe in the balance sheet. And I think because look,
[33:22] to go out on the scene also a grottoo, a trap. But that
[33:25] for example, how much I mean tell me the truth you would mind
[33:30] spending anything to relive what we live in Japan, for example. You would
[33:36] give him less, that is because there are clear things, because yes another
[33:39] trip not so late, when I have years since the foundation of connomite and
[33:44] I have never heard a topic inside that you, that is, that has
[33:49] no value or, whatever, price, that you would if a taster.
[33:52] Yeah, in that thing that I' m experienced in, you guys wouldn
[33:55] ' t matter, I mean, but that, that' s clear,
[34:00] it' s worth more than a shoe that breaks in the air. That
[34:02] ' s why we go back to that part that I have emotional Marcos,
[34:07] that is, it' s the part that I say like Marcos looks at,
[34:10] I prefer to give you instead of x articles on Valentine' s December.
[34:15] I' d rather get out of here or something, I mean,
[34:17] like I always compare it. So you are good, but I had you
[34:22] very much enjoyed the experience of that, that is, the meat of Tum
[34:27] for example. Madde no living example of the clear comedy and how he enjoyed
[34:32] the food that if I put it, if they put it, the bleach
[34:37] between a suitcase or a beautiful blouse or how it is a rammang of that
[34:42] villa I look at. But three hours or one or a wiubif there crazy
[34:46] or she literally different that we are very experienced, comfortable, very experienced.
[34:52] But there is also the balance, which is what Marcos says, that if
[34:55] you, if you want to live from experience, from experience, you will
[34:59] lose all the money for the other goal, which are also goals that are
[35:02] long- term for your mobility in the future. Yes, an investment piece
[35:05] of furniture, the most mesoality. If you don' t, you don
[35:09] ' t have to take it to the extreme. But if you don'
[35:10] t focus somehow, you' re going to be sixty and you' re
[35:15] going to live in the same experience. But tell me, when you want
[35:17] to work, you understand at no time you want to live on your investment.
[35:21] Yeah, and I totally calm you down. Now. I want you
[35:25] now, you are your coin face, because in one of the episodes,
[35:29] at the beginning, we said that both of you were the triggers for supermarket
[35:35] spending. Well, it' s pouring you into shopping. It' s
[35:42] supermarket. That serious income is, that' s a small incremental, monthly
[35:49] expense that brings a lot of joy. No, no, you can'
[35:51] t, not that, you have to eat the same thing and you don
[35:58] ' t stand up and laugh like a bit of a loafer. No,
[35:59] I don' t mind. I buy real parts, literally both of them.
[36:06] Many times he did it in my house. They' re always begging
[36:08] me to do the shopping. Part because if ego about kin goes past work
[36:12] or she' s a friend. For example, like my sancochito, there
[36:15] is no way what I always ask here tango. For example, sometimes I
[36:19] like to make me bekiut, so I' m sick. With that I
[36:22] also like to buy there for tincture the woman, literally the women of my
[36:25] house, including already my daughter. There they are attentive waiting for me to
[36:31] supplement the purchase in order to be able to all effects as an account that
[36:37] there are not, there are not two. The purchase always sees if you
[36:37] live it my mobile chinga the chicken that is in the end for the same
[36:42] lot of protein. Echargo, you envy the girl in an extreme dilleta of
[36:49] applied tiles, that is, the girl still doesn' t know what quena
[36:52] Malta doesn' t know what a mitala of little girls is. Sure,
[36:55] I can' t say the mark, because, of course, he'
[36:58] s very famous. But, for example, you don' t know what
[36:59] the bump is. You know what the exact milk was then, so there
[37:05] were a lot of bogalletica orio a ta la de la brega, because she
[37:09] wants to take it. As with everything, I agree. If I didn
[37:15] ' t take her for a living, let her decide if the ho knows
[37:20] what to do. For example, I say I buy a lettuce and bring
[37:23] five hundred things in the supermarket when it was just a lettuce. Yeah,
[37:27] but I think they' re missing. I didn' t need nolo chocolabas,
[37:31] but chu ro until the other day, the black the pro and the
[37:35] fabric and you a prochuto that didn' t eat it, but that I
[37:37] didn' t impati no mara too and the test you buy irritating, no
[37:40] yes, but the to go what are sides. He had a full of
[37:45] proschutas, yes, exactly, that is, he buys things that he uses
[37:46] as they are. Gentlemen, he doesn' t eat it in Japan.
[37:52] Mark me or fifth. I have the totals, all earned, salucho I
[37:59] have at home whole fu, for example, the chicken thing as they do
[38:02] it and leash there was Juan is fan of Korea. I' ve got
[38:06] a lot. Yeah, I' m going there for my shopping. Stop
[38:07] now also women ask me to watch lura with the chicks. They' re
[38:13] great, they' re beautiful, Lauri in your case, how your life
[38:15] changes. After marrying Mark in financial terms, what he has brought you.
[38:21] Well, I was also aware of the Dominican Republic stock market, but when
[38:28] Marcos lived in the United States, we started the relationship from a distance,
[38:32] as he became familiar with that United States stock market, as he had a
[38:38] time to invest. He studied financing there, that is, he had more
[38:45] knowledge at the time when I moved to Miami and he was instructing me in
[38:50] that part and I also say in that part of the balance sheet. It
[38:52] ' s not that I, ma' am, was not that I didn
[38:55] ' t swear or spend and spend all my money, of course not,
[39:00] but, I mean, I, he comes to me like giving control of
[39:05] a savings that I want to spend completely on an experience, for example,
[39:08] then it comes to me as saying like that ok, but we have this
[39:14] other goal and he extremes the galalyty to regret by saying thoughtful look, because
[39:17] such a thing is, reminds me like the exact impulse, like the urge
[39:23] that OK we' re not going to do this now doesn' t mean
[39:28] we' re not going to do it, but we' re going to
[39:32] wait, because we have another goal and also that part of like doing the
[39:38] analogies of ok t vagatato, but you really need it right now. Or
[39:38] that' s equivalent to this, so I put it there to think like
[39:45] you' re challenging that when you start to see human money, not the
[39:49] value of today, if not the value of the future, look at the
[39:52] money and it' s already marriage. One at a time. But my
[39:54] dad my, Mr Luis, lose everything you do for your peace of mind,
[40:00] for the conversational pantal. That hasn' t caused like that conflicts,
[40:07] that is because, as he read at the beginning, we' re kind
[40:10] of aligned on the issue of finance, although it' s true, at
[40:15] first we said it was a little extremist, but I think that after that,
[40:20] I mean, we understand ourselves super well with that thorn thing I never
[40:23] think you always say yes. This is not the case. We are happy,
[40:28] but there are people, there are people who take that Council and the
[40:31] couple throw it away, that is, they make it go away. There
[40:37] ' s a balance. Then he has to tell everything he does, right,
[40:40] now you what he has to tell him. I don' t have
[40:44] a room. I' m fine, they were all grown yes, gentlemen,
[40:51] I have two years saying of Juan let' s maybe travel you.
[40:52] I don' t have a room. I don' t have a room,
[40:55] but that' s what I' m told. But fair and fair,
[40:58] you care about Marcos, that is, there' s a trip,
[41:04] that' s my frame. But we' ve traveled like seven times and
[41:07] in two years we don' t go to April Juan on a trip to
[41:10] Bombas. No, no, no, no, but I' m not
[41:14] going to stop i April, in April, on a weekend, your Valentine
[41:17] ' s day presents. It' s b but no, no, no,
[41:25] no, you have to speak claus literally I saw myself during a day
[41:30] ' s work, all restaurant pain for a weekend. All the restaurants I
[41:32] sent you, all the pizza, pasta, sandwich, Old Dog I sent
[41:36] you. Well, that' s not a puja, that' s not
[41:40] worth it. Yeah, okay, well, I got one more surprise.
[41:45] Who gets pregnant, doesn' t relax that' s pregnant when he gets
[42:00] it, but since everything that wow is nervous. Or I' m surprised.
[42:14] Another sober girl goes good crying you didn' t expect that not for
[42:25] good nothing. You know I cried another partner or soea, no one knows
[42:32] we' re going negative, negative in male or n behind Chamber, congratulates.
[42:45] Thanks to ga Ok, that makes me love lambs good. Now comes
[42:58] financial planning. Yeah, I don' t bond, not one. I
[43:05] mean, he doesn' t know. He' ll see no. We
[43:07] already know there was one. Yeah, so it' s the finances on
[43:17] the Santa Camion Drast that thing, because she doesn' t say anything.
[43:22] No, no, but you know that if finance in the House changes when
[43:29] a new member arrives, because it' s too much. Since the first
[43:35] year, they spend a lot on doctors, on vaccines, on all the
[43:40] checks that need to be done. In addition, in the pregnancy part too
[43:45] much is spent on doctors, that is there is such a dan. It
[43:49] ' s essential for me to have good insurance, that is, laura at
[43:52] home. I don' t know if you changed your insurance and the best
[43:54] not yet, but I have to. Doing it is one of the best
[43:57] tips. I can give future parents insurance for the best they can afford,
[44:00] too, because insurance is going to help you a lot to ease that burden.
[44:05] They finance in the pregnancy stage and also when the baby is born not
[44:08] from all that the number of illnesses, so they are being very aggressive,
[44:15] including this young person. Yes, you have to cover, you have to
[44:19] cover yourself safely is the best investment, but not only the personal, also
[44:22] the business. I mean, he' s a person with a definite north,
[44:27] he has to sacrifice the profit that he can represent a company and secure
[44:34] his inventory, that is, general sense Mira. There has been a case
[44:37] here of fire that literally 100 percent of what it had in an inventory and
[44:43] a company is burned, for example, has gone from rumbe to a structure.
[44:47] All that, I mean, both personally. I believe a lot about
[44:52] the safe, because if I don' t know what the only force is,
[44:55] it' s better than daughter to earn a percentage of what you expected.
[44:59] And you' re your inventory, insure your health, insure to drink.
[45:04] And it' s just that sometimes you think good. Many times you
[45:07] think that nothing is ever going to happen to you, to you as a
[45:09] salun or to anyone near you, like you feel invincible. But it'
[45:15] s not like that. Not one to cover for. I have to cover
[45:17] myself because situations happen and the emergency fund can' t take such heavy blows.
[45:22] Sometimes she' s not home anymore because she looks like the floods that
[45:25] have been going on here in recent years, so many apartments have been filled
[45:30] with water. Yes, the vehicles, the vehicles and so you have to
[45:34] have a good insurance. Mine, I have to change it to one that
[45:37] has a lower deusible, because right now the deusible is a little higher and
[45:40] as soon as that moment comes, as you say, I mean, you
[45:45] go to a lot of medical appointments. You have to do the six months
[45:47] earlier. Yeah, yeah, so I want no, I' m not,
[45:53] but they' re surprised at least six months earlier. They have to
[45:55] per Sínte, yes, yes, yes, of course they can and changing
[46:00] I have already waited for you because they have to be contemporary. Get on
[46:05] with it. Soon, soon, soon. It' s coming soon,
[46:10] yeah, I see here we put in this is we' re going to
[46:15] record this episode. People are super excited and they sent us questions, lots
[46:17] of questions the truth and one of the questions is how cold it is.
[46:25] It' s us with the finance at home, that is, controlling that
[46:30] they' re not at least my case isn' t yours anymore, but
[46:34] that' s what there' s no irresponsible cat. But you don'
[46:38] t do that exactly either. I can' t say they' re like
[46:42] balance, like sick, like we' re not extremism or well, I
[46:45] ' m actually level. The autodes know that I have the electricity of the
[46:49] supermarket, then I am level that I see that Juan leaves me screams a
[46:52] lot for the end of the bathroom, the pavio and wait for you ah
[46:59] bathroom hallway and with the on and I, really immediately Juan looks the south
[47:04] came to so much more, that is, please, then I also just
[47:07] made purchase. That is full of meat, of living everything good, it
[47:12] is full, but I do and then I, but the purchase made fifteen
[47:16] thousand pesos and he wants to ask, gentlemen, and who manages the money.
[47:24] I mean, we already know they have different responsibilities they pay, but
[47:29] who makes that medical, financial appointment, they have it, even if it
[47:34] ' s casual, look that way. The truth, the truth. It
[47:35] ' s a chance we have in the house and I know it, I
[47:38] mean, because as a psychologist you know what applies to you. But maybe
[47:43] you' re not doing it now. So, in our case, we
[47:45] talk about a lot of money, a lot of goals, a lot of
[47:49] goal, a lot of movement, what we' re going to do.
[47:51] But we don' t have like that day set up, that I know
[47:54] it' s a failure of us, because we should have kind of looked
[47:58] at this day. This one we' ve done. I suggested at the
[48:00] time that I' d rather you do the interview to me. You as
[48:04] if it were one, two, three. Don' t consult me deca
[48:08] Fina, I wasn' t a mercuse for the medical, financial consultation.
[48:10] But for one issue too that you literally know. I know it' s
[48:16] a bad reputation, not that you are like that, but you women,
[48:21] with the handling of information, are very smart. Then you can remember maybe
[48:25] in five years and that' s what I said I was wrong or what
[48:30] he told me. My fear was mainly to talk to that subject, that
[48:34] that can happen to a person, to pass anyone to talk to your partner
[48:38] that I make so much money in here, I spend money around here excera.
[48:44] I' m practically handing you inside information that then, if it'
[48:51] s mishandled, it might be found. No. Not a reality. You
[48:53] don' t have that fear of that conversation, that is, those people
[48:58] identify you, look at a case. I' ll put you on.
[49:00] Let' s assume Kim wanted to buy a fridge or an iron, okay,
[49:06] but I crawled. Let' s assume so much with a friend of
[49:10] mine that I know we rent a football pitch or father' s. He
[49:13] ' s going to set an example. There, gate three thousand pesos,
[49:15] but the iron counted I' m putting you an axis four thousand five hundred
[49:19] five. That' s no more, but like that I would' ve
[49:22] bought the iron. But you know that' s not just examples that,
[49:25] for example, you go out with a friend of yours and you cat more
[49:29] or less what you said, right now, ah, but with that I
[49:30] would have said such a thing that couples find it hard to talk about.
[49:37] That Cho, I' m sure it happens to you, too. That
[49:38] ' s why then I, when I was going to open myself, I
[49:43] was back to open myself, I said who, but let' s do
[49:45] it. Tell Laura how you did it to me and you did it wrong,
[49:47] as well as you take care of yourself, but it happened already in
[49:51] the end I did it with them. Yeah, but that' s also
[49:53] healthy to talk about what' s going on is that you' re not
[49:58] used to it or raised for it, because, I mean, I don
[50:00] ' t know about you guys, but in my house like no one was
[50:05] talking about finance and that I have an economist mom, but like there'
[50:08] s no such conversations and it' s a tip that we can be with
[50:13] families these days that involve even the kids when they have this financial date at
[50:17] home, involve the kids, because they' re part of it. They
[50:19] have to know that money comes out of some sacrifice, does not fall from
[50:22] a tree, and that there are goals with money that is not unattainable.
[50:25] Yesterday we had another guest on the podcast that' s going to come out
[50:30] this episode. I think they don' t give up before and she told
[50:34] us that she thought her mom' s money was going down was magical,
[50:37] like everything she bought in the house and everything they gave her. It was
[50:40] magical, because we never talked about the origin, the money, how it
[50:45] ' s handled. And I think that the majority of the population of the
[50:47] Mexican Republic is so clear without this base, without talking about money, and
[50:52] then it costs them already when they get married, to talk about this,
[50:57] without talking about responsibility. Yes, and it brings a lot of trouble,
[51:00] too much trouble, and what you would advise one, which was another of
[51:07] the questions you asked if you don' t have the same vision at some
[51:13] goal or in a conflict, I mean, you' re not on the
[51:17] same page. Maybe you, but who I mean the page you have,
[51:21] we have an exact goal is that you look. I understand that if they
[51:28] don' t have my goals, they don' t have the same goal.
[51:30] The best thing about being my master' s day they asked me or
[51:37] not, no, no, no, but sorry, sorry, let me
[51:40] talk, because jame they asked me to explain if they have two different goals.
[51:46] Of course, if you don' t have one, what is the
[51:51] lord is that there is, love matters, no, no, it doesn
[51:55] ' t bathe tip, but when they are all, but when you are
[52:00] me. But what no one was created the same. But I think it
[52:02] was me that was asked let me get the point. I mean, what
[52:06] I want you to try to say is that if you have all totally different
[52:10] goals, I understand that there is no way that they combine then, sooner
[52:15] or later by marble that you have they will collide, because if you,
[52:17] for example, are a person who wants to pull forward, you want to
[52:22] accumulate wealth so that later in the future you can live from those assets and
[52:29] have a stable life at the end of your life. Or that, for
[52:30] example, another or is totally disorganized, that has additions, that those additions
[52:35] consume absolutely everything. For me, the best thing that one would cover the
[52:38] north and one for the south. They shouldn' t be here. That
[52:40] ' s my opinion. Now of course it is important for me to talk,
[52:45] to live together and before, because, regardless of whether the two go
[52:51] north, it may be that one goes north- west and one goes north
[52:53] - east. Now you understand what I meant, but exactly what I mean.
[52:58] If he talks, there are conversations, but I understand that when a
[53:01] couple achieves within those goals converge and they don' t literally end up out
[53:12] of nowhere, no longer shoulder at all. In reality, if you are
[53:15] if you have your goal clearly and you want to pull it off. I
[53:17] ' m going to talk, for example, about the Dominican woman. If
[53:21] the woman is focused on going to her job, she has a goal after
[53:24] the job comes out, she' s strapping herself into her own venture and
[53:29] she' s trying to pull through and she' s got a husband'
[53:32] s bum who gets up and I get off at eleven in the morning and
[53:36] he' s gonna split the stage. That' s how to get sister
[53:38] off the hook in time. Try to find a person who is in the
[53:40] same position, with the same, with the same goals he hears and who
[53:45] has at least that discipline, who has that lifestyle, who has that ambition,
[53:49] who wants to eat the world ahead. That' s what I mean,
[53:53] when we' re talking about having two totally different goals. One is
[53:58] thinking to the right, one to the left. You can' t be
[54:00] with that guy. You can prte talk before you talk about finance, before
[54:05] you start living with that person, before taking the step because your marriage is
[54:08] one of the most important decisions of your life, it' s such a
[54:13] fierce education. Literally, then there are couples who marry and have never talked
[54:20] about finance. Then that' s where the riots come in. Yes,
[54:23] but I understand that finance has to go with it, with the same sense
[54:30] of importance as goals, and within those goals, you also have to say.
[54:36] The person you' re going to get involved with makes that sense,
[54:39] for example, of discipline and literally, you see him high enough to achieve
[54:45] that goal, that that' s what I told you, right now at
[54:49] college you saw a lot of motions all that we' re here, because
[54:52] literally there everyone was studying, you were on the same goal and you saw
[54:57] who you saw that you literally had two thanks playing ping pong the brain and
[55:02] who was well focused. Trust someone tomorrow or people who wanted to be president.
[55:07] There are people who wanted to be an influential person in society, another
[55:13] who wanted to be so governor of the Central Bank. That' s where
[55:15] you start to see the wood of each other. Then you what it has
[55:19] to do with it. But there are also things that are getting better.
[55:22] Everything has an opportunity for improvement, especially in a country where we already speak
[55:27] that we do not come with the basis of financial education at any level of
[55:31] education or at home. Then everyone is going to come to courtship with different
[55:37] mentalities, with different teachings, different. Things that we saw when we were
[55:44] younger, that our parents were doing, that happened to our neighbor, that
[55:46] our friends were talking about, and then everyone comes in with different mentalities.
[55:50] The money, but the financial education helps you like to join the vision and
[55:53] to go able, therefore, to make the organization, to go raising the
[55:58] mints altogether, to go pulling the other month of the compulsive expense that you
[56:01] want to do. All the time they look at how we discussed at the
[56:07] beginning ideas of how everyone was perhaps breaking the mentality that one was very stingy
[56:10] of the other. I wanted to be your day all day. So one
[56:15] goes together, one gets better together, but one does need to want to
[56:19] do it. Yes, you have to step in and be willing to improve,
[56:23] because there are many times that it is unconsciously that they do, that
[56:28] is because they never educated you financially, because there are even problems in the
[56:34] home that came with that upbringing. So you mean, don' t make
[56:38] the decision that it' s the first thing to quit. Yeah, that
[56:43] person for the extreme that yes exactly rough, works exactly you go, working
[56:46] you' re going to kind of communicate, trying to ok we' re
[56:52] going to sit yes, he wanted to tell you that when you use but
[56:57] you see there are a lot of people who don' t. That'
[56:58] s why they haven' t written us what you' ve had. I
[57:00] ' ve had kids who are in so she suddenly got stingy extremes from going
[57:07] to the corner, or that they could go to the park, that is,
[57:13] sorry, just go to the park, they couldn' t make you
[57:15] spend anything and it was like you look. This is not sustainable. Then
[57:19] there are people who too, but I don' t. I didn'
[57:21] t mean that. I referred to the goal issue primarily, which is one
[57:24] thing that you have a moment of crisis and you have to literally make an
[57:29] effort to, because we' ve all done it. Even I was in
[57:31] situations that I tell you who you have to fear the whole house, that
[57:36] you don' t put on a normal team. I' m talking about
[57:37] a person who, regardless of whether he' s in a bad situation,
[57:45] has the desire, that is, literally to pull forward. I' m
[57:47] not talking about that profile, because that profile was admirable. I mean,
[57:50] it' s admirable a person who, regardless of what' s going on
[57:53] with him, gets up all day, tries to be better to see where
[57:57] he was. Of that, I' m not referring to that. I
[57:59] ' m literally referring to when two people don' t share the same goal.
[58:02] It is not to be stubbornly in this and another in this worker.
[58:07] In this case it was like he was saving to the extreme, he didn
[58:10] ' t want to spend on anything and she kind of means, we can
[58:14] ' t rary all our money. Then there' s got to be a
[58:16] mud to paw, to think that if you' ve already stepped in,
[58:20] you got married and there' s still love. And all that you can
[58:22] talk, look for financial education courses, go to therapy and see how they
[58:30] can get out of those extremes, because you also depend on the situation they
[58:35] have, because in that case you gave, if you don' t give
[58:37] the background of the person, a person who owes you, for example,
[58:43] it is better that you do that to go the other way, to want
[58:46] to appear or want to do yes, it doesn' t take you long.
[58:50] I think ta ta, ta on the street so you know, but
[58:53] fundos, you sacrifice a year in which to go out on the team goes
[58:59] out or. We have a couple also close that well left a while ago,
[59:04] but it was something that since the courtship we saw it as how she
[59:09] was very focused, very from her home, very to throw forward, and
[59:15] he was totally from the street of expense, from the appearance of the trip.
[59:20] When one really knew that they were not well economically speaking. Then came
[59:24] the point of exploding that you hear me no longer combine in financial terms and
[59:30] really the statistics speak. Or John Exag was a real chin, but statistics
[59:34] speak and finances are one of the main causes of divorce. Yes, but
[59:37] day the trouble, sir I don' t exceed. It was me you
[59:40] were. I' m saying that in courtship, you literally know for and
[59:46] against the person you' re with. Give you recommend to the people who
[59:50] did in the courtship that if you throw away what is not me for you,
[59:53] you found a person who literally goes according to your value as a principal
[1:00:00] person. That is the most important thing, the subject of values, to
[1:00:02] a person who has the same goal as you who are aligned one day to
[1:00:08] another and that you do chemistry without chemistry there is no marriage. So if
[1:00:12] you have to focus on having a good choice of your partner, of your
[1:00:15] future, because it' s an economic decision, as you say, I
[1:00:22] think it' s more than economic in global or that it' s a
[1:00:24] life decision. That' s the person you' re going to share absolutely
[1:00:27] everything economic, spiritual, children, social, families you have this or what
[1:00:32] I mean is that if they' re not aligned, mine goal stopped early.
[1:00:37] Okay. That gives me a little question that the audience also left in
[1:00:39] the stories. How to save for a common trip if one of you has
[1:00:43] less income. This question goes for opening For me it' s a trip,
[1:00:50] it' s a financial goal and while it' s true that each
[1:00:55] couple decides how it' s going to be how they' re going to
[1:01:00] achieve the goals, every time they' re going to save, how much
[1:01:04] each one will contribute to that goal, because the income part of who earns
[1:01:07] more than the other also takes into account the time to define who' s
[1:01:09] going to contribute more to the goal, who' s going to be saving
[1:01:14] more monthly, because it' s not true that if you win twenty five
[1:01:16] thousand steps and your partner earns eighty thousand pesos, it' s not true
[1:01:21] that the two are going to be saving fifty percent, because they' re
[1:01:21] different income. So it' s a topic of conversation that you have to
[1:01:25] define. Okay, according to what it is for me to cover what you
[1:01:28] cover. The saving potential that each has for that goal. It' s
[1:01:35] so much so that it can be real, because we can' t put
[1:01:38] an unreal number either wanting everything to be equal, when the income really isn
[1:01:43] ' t equal in the house either exactly and as I see it, it
[1:01:45] ' s that it' s a team you can' t go to the
[1:01:49] individual to not that I earn much more, then as you want. We
[1:01:50] have to put that the exact income, when it is not a battlefield and
[1:01:53] when the income is very different, balance each other' s savings potential according
[1:01:59] to their income and give yourself time to reach that goal, that is,
[1:02:02] when we will reach it according to what you can save and what I can
[1:02:07] save and how much we have planned to spend on that trip and gradually go
[1:02:10] they will invest it in different instruments and give the time to reach that goal.
[1:02:17] Yeah, yeah, yeah, I' m remembering now that yesterday was
[1:02:21] yesterday you were telling me that you have a chance to sell something right now
[1:02:27] at$ 30, 000. So, for you to understand the difference of
[1:02:32] how we thought about the investment term, he was saying yes, look,
[1:02:37] I have a chance now to sell this at$ 30, 000. Look,
[1:02:39] if you see it and invest it for a year, it' s
[1:02:43] going to gain a hundred thousand and a bill of weight. And he'
[1:02:46] s not. It' s not like I bought two of that that I
[1:02:49] ' m gonna sell for them to go on. Yes, because, for
[1:02:52] example, that' s what he told me about about nineteen thousand twenty thousand
[1:02:55] dollars and they' re offering me a thirty and I have two years with
[1:03:00] him and I, of course that' s why he bought that tra already
[1:03:05] had as much in the stock market and he saw thinking about investments already plus
[1:03:07] three a. But, for example, the example of the estate. I
[1:03:10] bought the estate. They buy a thousand two, well, first person who
[1:03:16] speaking of this third as we are not, for example, we buy the
[1:03:22] farm the task that is six hundred twenty- eight nine square meters to a
[1:03:28] thousand dollars, which is about the best change is going to be. But
[1:03:30] now that land, if I' m going to sell it tomorrow, I
[1:03:34] say I' m going to take it out right now. A mother degree
[1:03:37] I have to make the lind out of him is his tern You know the
[1:03:39] people I think of a year that Linde' s process and take out the
[1:03:46] new title. I' m gonna win here at thirty. Here we go,
[1:03:51] well, I' m talking to you clearly, of course, but
[1:03:55] I can' t is that all percentage there is also. There' s
[1:03:58] no such thing as if that thirty, like talking about you being decapitalized 100
[1:04:01] % by making a risky investment. It' s not like that. No,
[1:04:03] if so, then we haven' t talked about investments as well as
[1:04:09] on land and really at our age, and like people in Austro around us
[1:04:13] don' t talk about these investments either. But they' re a guy
[1:04:16] who' s really weird and used to be the most common kind of investment
[1:04:20] is for flight. And or, for example, when we bought and told
[1:04:25] you we and he scored blessing, he told us that weird that a young
[1:04:30] boy, like that, not young. I got involved buying estate already,
[1:04:35] but I saw the potential of a farm and five minutes of comatillo. The
[1:04:41] coma tollo a place in Vallado, was very nice, like a river inside
[1:04:46] the estate. Literally fifty earthwork. You see it literally with a chance.
[1:04:51] I already know that since I do what I do, I try to go
[1:04:55] there every time. And I already have a lot of neighbor and the neighbor
[1:04:59] tells me Mira Fulani Torra sold suddenly so much already I am in my head,
[1:05:02] I already have a rich day. Everyone when I did, I did
[1:05:06] it thinking, that is, when we did, we thought about the literally
[1:05:11] I want on the mission. Yeah, and we' re gonna close the
[1:05:14] subject now,' cause I think we' re past the episode over the
[1:05:18] year hate and we can close. I say, maybe giving some advice for
[1:05:21] conversations, maybe they' re a little more difficult as a couple, like
[1:05:26] money, for example, and leaving on the table the options you have so
[1:05:31] that you can always get along better with the money issue, with the decisions
[1:05:39] you have to make. We can recommend them laura maybe listen, listen actively,
[1:05:45] that they can put on the table what each one wants the dreams that
[1:05:48] each one has and then see how they join those desires that they also have
[1:05:57] to talk before you make a decision to marry, that is, from the
[1:06:01] ring, from the ring we don' t even ok don' t put
[1:06:05] it to the extreme. On the first date true. But, as John
[1:06:09] said, You, at least you don' t necessarily have to start saying
[1:06:13] when you' re starting to get out, how much you earn as much
[1:06:15] as I earn what I have in that moment. No, but at first,
[1:06:18] you realize the goals and dreams that each one has and see how they
[1:06:21] align or how you take the other person to their improvement points, they educate
[1:06:29] each other and they see, because no one is perfect. We all grew
[1:06:36] up in different situations, with different beliefs. So, before you make that
[1:06:43] decision to be with the person for the rest of your life, make sure,
[1:06:47] make sure you are at least aligned, that you have individual goals.
[1:06:54] It is valid, that is, we do not have to have all three
[1:06:58] goals the same but that, at least go together, in the same vision,
[1:07:02] in the same direction, in the same path. I love having those
[1:07:06] goals, those set goals, like that all together also always focus on solutions.
[1:07:13] There' s no culprit. It' s not like you' re
[1:07:15] making everything hurt here, it' s like we' re all bad at
[1:07:18] it. It' s not like we' re a team. We have
[1:07:21] common goals. We need to talk about a common budget, how to manage
[1:07:27] the money in common in order to achieve everything we want in common as well.
[1:07:31] I mean, that' s very important about the team, because,
[1:07:35] as we were talking about whether there' s a crisis in the house,
[1:07:40] which happens a lot, don' t focus on what sharing your cool because
[1:07:45] of you was because you went to waste what we can do as a team
[1:07:49] this month I' m going to cover more because you' re in a
[1:07:50] difficult situation. I' m here to support you, because in the end,
[1:07:54] it' s not just my income, it' s just your income,
[1:07:58] and that' s separating you. There' s also so much of
[1:07:59] Venice. It happens to me, yes, it happens to me now that
[1:08:02] never. I don' t think I' ve ever said this out loud,
[1:08:06] but sometimes, when a date arrives like they do, there' s
[1:08:12] a gift, for example, Valentine' s Day Mothers' Day, people
[1:08:16] think, for example, they don' t know it. You can think.
[1:08:18] Say ah so give me good, and before I might think full like
[1:08:23] that. But all of a sudden there' s a time when I think
[1:08:28] the money comes out of the pocket of the house, because in the end
[1:08:30] the money from the house. So, I kind of don' t know,
[1:08:33] sometimes I say look at focus on Juan' s face is not,
[1:08:41] I' m making the chair unclear because look now father passes evil. I
[1:08:44] love myself, don' t give me away and I don' t need
[1:08:48] a gift or I won' t fix you. Stay calm and we were
[1:08:51] remodeling right now. The kitchen. It' s a net that sounds,
[1:08:55] a goal, a very strong expense and we' re giving our room.
[1:08:59] Then I' ll tell him my picture that you gave me the microbundo and
[1:09:02] I gave you the win. Here we are, good dad, and I
[1:09:05] already sent him his little flower, his job, he was, he was,
[1:09:11] he was, and then he' s coming. And then an earet
[1:09:13] one thing and he' ll give me an approach. I mean, I
[1:09:15] ' m being bitten by my eye, the best one literally focused on finishing
[1:09:19] the goal we have, we apply to me. Yeah, yeah, but
[1:09:21] we' re not gonna berries a but don' t eat any more than
[1:09:28] celebrate. Yeah, we' re already at the end of an episode that
[1:09:33] ' s too cool, with a lot of learning. They liked to tell
[1:09:39] us how Marcos and Juan ah Dale feel. Juan didn' t have a
[1:09:45] good one, he did a lot of sign. That means he was in
[1:09:46] danger at the time He ended it for the poor. You' re not
[1:09:49] going to lie to me anymore. But when the House didn' t focus
[1:09:53] on us, they would literally open me up in the house. I told
[1:09:57] her, I told the bra Laura. We just fought in the house because
[1:10:00] I told Juan to be careful with you in the episode and I said look
[1:10:04] I represent a company. You can' t finish me and I, Juan,
[1:10:08] am going to say that you don' t pay the light of the
[1:10:09] house. And that' s true who perli I represent a company. Me
[1:10:12] or that or that it is total to see neither pays the light of the
[1:10:16] house. No. No, no, no, every wey literally fights for
[1:10:19] light I don' t like preaching light. They literally ask me the darkness,
[1:10:23] the liqui fights for the light turns on purple, I have bullous renata
[1:10:28] at level leo tole all the light on and all it does. She'
[1:10:31] s always late. All the good stuff. A part two of this episode
[1:10:40] commits it below here on YouTube or also go to Instagram. Give little love
[1:10:44] to the cuts of this episode. I hope it has been a lot of
[1:10:48] use to you that if you have already heard it alone, then you will
[1:10:53] set up a financial meeting to listen to it together with your loved one,
[1:10:57] with your partner, so that you will take advantage of what we have discussed
[1:10:59] here together. So you know, you have to come back and let'
[1:11:03] s see what we' re going to talk about next and you that I
[1:11:08] know you loved this episode look at it with your partner and above all,
[1:11:13] put it into practice we' ll see you next goodbye

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