# EP 50 - Finanzas y familias con condición de discapacidad

An episode of [Economics Data Podcast](https://invisiblenetwork.ai/podcast/1690287258), 15 May 2024, 52 min.

Audio: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/60038635/ecd_discapacidad.mp3

Un episodio muy especial conversando con dos madres de familia con hijos con las condiciones de autismo y síndrome down. Yvette Bermúdez (YvetteBermudezRD) y Jennifer Ramírez (@fistyoclock), dos madres valientes, nos comparten sus experiencias, desafíos y consejos. Desde las finanzas, conversamos sobre a cuáles retos se enfrentan y cuáles son sus mejores recomendaciones, abordamos los seguros y el apoyo gubernamental. Escucha este episodio para una conversación sincera, mientras exploramos el impacto emocional y financiero de criar a hijos con discapacidades, y cómo estas madres están construyendo un futuro próspero para sus familias. Si quieres seguir aprendiendo de finanzas “con cucharitas” síguenos Instagram Youtube TikTok

## Transcript

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[1:42] I approve the Economist Hello welcome to a new episode more Economics Tata your
[1:47] Podcast Finance I am Kimberley, and I work and we are here with some
[1:53] very special guests to discuss a topic that I say that there was a lot
[1:59] of lack in our country the education on this topic, the information, that
[2:04] families feel perhaps more supported than obviously, the guests will corroborate us or they
[2:08] will discuss this with us and we want to talk with them about how to
[2:15] deal with in a family that has perhaps some person, some child, with
[2:22] a condition of disability, truth, how to deal with it from a financial
[2:25] point of view, but also emotional, and how much support is there here
[2:30] in the country, either with some mechanisms such as government insurance, foundations,
[2:38] that is, how we can perhaps support ourselves from some entities or people who
[2:42] guide us on how to deal with this situation. So, to discuss this
[2:47] issue, we obviously brought in two guests to support us. We' ve
[2:52] got Mrs Ibet Bermúdez over here. Thank you very much, thank you for
[2:58] coming and we also have Jennifer Ramirez, also better with i e, as
[3:00] offistel. I think in the social trades, thank you, Kimberley, it
[3:02] ' s a pleasure for me to be here sharing with you. Thank you
[3:06] for accepting the invitation. Both of you have a person or child with some
[3:12] condition in your home. Then we want you to tell us a little bit
[3:17] so that the public knows it and then we' re going to leave.
[3:20] Over there. Okay, perfect start. I, in my case, have
[3:24] a seven- year- old boy, his name is Thiago. He'
[3:28] s a child who has the condition of autism. Obviously, that condition changed
[3:32] our lives. I say that any family that faces a diagnosis of any kind
[3:39] is something that changes marks a before and after, from everything, from home
[3:47] organization finances, One begins to nurture the subject, one becomes almost an expert.
[3:57] I would say, yes, with tiago or we have learned a lot
[4:00] about autism. She' s seven years old. If you found out,
[4:03] how long ago. We learned about the diagnosis at age three, even if
[4:10] three and a half could say. But I already say that one, like
[4:14] mom, there are small signs, because in the case of mine, which
[4:19] was male, many people say he' s going to talk late and many
[4:25] little things people minimize, they minimized it with little things. It' s
[4:30] not that he swings much, that' s that he' s dancing and
[4:33] things. But one, like Mom, always feels like the person who feels
[4:36] that something may not be the right way and we are oriented. I'
[4:44] d like to leave this little part here in court. A person named Christian
[4:47] López, who is a neurologist, was the one who evaluated us and gave
[4:51] us the first alert voice that there could be a condition of autism. Then
[4:57] we went to a point center called Diversa, where we did an ava test
[5:02] and from there we got the real diagnosis. Ok and you, Oñevet,
[5:09] tell your story. Okay. I am Ibed ben Boodes de Brea and I
[5:15] am the mother of Rachel and Amelia. Rachel and my older daughter taught me
[5:19] life, which made me mother and Amelia taught me other things that I am
[5:27] still constantly learning. Ok Amelia is born with the condition of daw syndrome and
[5:34] also with cardiac damage. I have to say that at that time, thirty
[5:40] - two years ago, there was nothing in the country that could, as
[5:45] at this time, be able to give attention mainly to the part of the
[5:54] operation and all that entails simply the diagnosis that in that case, for yes,
[5:59] was given by a cardio wolf pediatrician and I feel that still today there
[6:02] is a lack of information and easy access. But I imagine thirty years ago
[6:08] how you could have, that is, realized when Rachel, when Amelia,
[6:15] when Alia was born, but that is, who you went to who st
[6:20] went to with the pediatrician, to a psychologist to face that decision look.
[6:27] I was lucky enough and I still have her to have a husband, doctor,
[6:31] pediatrician and really a great one. He realized once, that is,
[6:35] the traits that a person who may have down syndrome is showing you. They
[6:43] ' re very specific traits you can' t do anyway. It is necessary
[6:47] to do a study of chromosomes to be able to know that if you condition
[6:54] it is in the 21st pair and if it is in the 14th pair or
[7:00] is in another step. Here are three types of dao syndrome and that is
[7:02] also important to do what was called a karyotype, a study. Then,
[7:08] even he realized that there was a heart condition and that was that, since
[7:14] he did the intervention of Dr Mendoza, Joaquín Mendoza, who really remains,
[7:20] despite the fact that Abella is thirty- two years old, she is still
[7:26] his doctor. Oh, yeah, what a help, a help. The
[7:29] truth is that for us that was a relief. In my case, I
[7:32] didn' t have, I didn' t know anyone that I had that
[7:38] previously there wasn' t so much information, there wasn' t so much
[7:42] information and the information that was in the books was quite disheartening, because I
[7:47] went to the books that we had analyzed doesn' t exist to Google,
[7:54] ah, not at all, the Internet, not at all. Not because
[7:56] he doesn' t have pictures. They existed, they existed, they were
[8:00] gras, but in that sense they were not as important. I didn'
[8:09] t, I did his sonography. So, listen thirty- two years,
[8:11] yes, but maybe he knew the 20- week press. It' s
[8:16] not that. It' s a good thing that kind of there was at
[8:22] the time, there was one that gave you as a hint of some,
[8:28] but it happens to me that in the medical part I forget about it and
[8:31] leave it to the husband. So, I really didn' t have that
[8:35] much, but there' s a test that can give you a little hint
[8:39] back then. Not now, now it' s safe. Okay, so,
[8:43] as a result of this, Eddon and Bet know that you help other
[8:46] families that I want you to tell us at one point about this. And
[8:50] Jennifer, through social media, also shares information about how she realized what the
[8:54] clues were, things that maybe many people don' t know about, because
[8:58] it' s not a topic that is talked about too much then each of
[9:03] you. I feel like you' re doing that bit of sand from your
[9:09] point of expertise on the subject, to help other people and to raise awareness
[9:13] on the subject. You' re my turn to come to you. You
[9:18] do with families who told me you really have eyes. At that time,
[9:24] the most important thing for us was its health and that it could be operated
[9:31] and we managed to have it operated in the United States with a lot of
[9:33] risk. In two years, three more years opened up a great opening in
[9:39] operations and the ability to help children organically work well. That' s where
[9:48] I met a person who was doing a show with a ring and I'
[9:52] ve been cluttering the swimming class and I' ve been hanging out with this
[9:54] little girl. I said wow, but it' s that she gave,
[9:56] but it doesn' t do so much cool that I did and I said
[10:00] wait for me. I talked to her and she told me about pink cancel
[10:03] in Puerto Rico, a person who was part of my life until last year,
[10:09] who died, a woman who died of almost ninety years or ninety and
[10:13] some year. And that person was a human being who helped us all,
[10:18] because when we met her, I asked her if I knew anyone else.
[10:22] We went to Puerto Rico only first my husband and I because he had to
[10:26] verify as what we were going to where the road we were going was going
[10:31] to be as appropriate. He was delighted that first date and said that we
[10:35] ' re going to do it. And then, from there, I got
[10:39] with her information and victory in Chaustegui, who is also the daughter of another
[10:45] pediatrician who was in the same space as my husband and she really got together
[10:52] with her and from there we started and formed what was the Dominican association,
[10:56] which is the association where from down syndrome to two cd a space that anyone
[11:03] who has a child, with any condition of down syndrome and in the future
[11:09] at doses is strengthening to attend to other kinds of conditions. I' m
[11:18] going to tell him what' s done in Adoc Ok and you Janifer tell
[11:24] us how you started, so how did you decide to open up on the
[11:30] subject, because I know it took you a while to comment. I say
[11:33] sharing my story was my grieving process. Let' s put it that way,
[11:39] because when I discovered the condition the child had, I knew absolutely nothing
[11:46] about him. I had never even heard the term autism. Then I lived
[11:54] mom' s experience that you start documenting yourself, you start questioning yourself,
[11:58] because me and I think it' s totally normal, very very, very,
[12:05] but in a way, I tried to see it as if it had
[12:09] happened to me that it had some reach. I had to take advantage of
[12:13] that reach that God had given me in a certain sense to help other mothers
[12:18] not to make the mistakes that I made and, at the same time,
[12:24] to orient themselves more quickly, because one is looking for a choice and wasting
[12:28] a lot of time. The topic of early diagnosis is extremely important, because
[12:31] the earlier you can go working on the condition. Let' s put it
[12:41] that way more, you can go supporting the child to develop faster. I
[12:46] saw that way of sharing my experience and in that sharing I found many mothers
[12:54] I could help. Those messages began to arrive thanks to you I discovered that
[13:01] my son could have autism and when I started to see that I was having
[13:07] that social impact, it already became even my networks in today' s sun
[13:13] were only fashionable and I said no. Here' s a chance. I
[13:16] mean, I' m helping family, I' m helping children and it
[13:20] ' s been a blessing. In fact, I think I' ve even
[13:24] collaborated in the mourning of other mothers who were at that stage of denial and
[13:30] I' ve always said so. We, even though autism is a disability,
[13:33] we have to in little word in brase and instead of you see the
[13:39] child, from a point of view of your shame, you rather say no,
[13:46] what we have to do. This is an action plan. The more,
[13:52] you, you mature on the subject and say look, we' re
[13:54] not going to focus on proof, not on the situation, we' re
[14:00] going to focus on what I can do, what I have to change.
[14:01] And it' s very important. Those who may have a relative or a
[14:07] couple, one becomes a team, so it is very important to look for
[14:13] even a support network. If you don' t have that family or that
[14:18] husband helping you from other mothers, because this is a cycle that I would
[14:20] also say is even therapeutic that when you hear a mom or a friend that
[14:26] ' s going through the same thing, you suddenly that your situation may not
[14:31] be so serious and you start to see even the positive side of things.
[14:35] I focused on seeing the skills I do for you. I had to skills
[14:41] maybe of an intelligence, a little bit more developed, seeing that I had
[14:46] maybe a functional child, that they' re little things that you try to
[14:52] see something positive and you go out there. Sure. You feel that,
[14:56] as a country, you have support through some institutions I know that you mentioned
[15:01] some already, but in general, I mean, feel in support, either
[15:05] the Government, or some additional institution, or some foundation. Well, it
[15:13] may be before you' ve created that organization, but you do. Well,
[15:18] the most important thing is the idea. The foundation part. I say
[15:22] the rest, really notice the first thing I like to be inclusive from all
[15:30] points of view, and it wasn' t me. We were a team
[15:33] and it is still a great team that leads today to two cds So we
[15:39] understand that this is a great space to be able to achieve that, as
[15:43] you said, to have, to interact, to talk, to be able
[15:50] to feel that you have a support, a support network is indispensable for anything
[15:54] and there is it in the whole world for everything, so that in the
[15:58] cases of disability condition, to have a support in the specific area in which
[16:03] you are managing yourself, in your family you are passing, because it is
[16:11] indispensable in that sense in ours. I say that in my country it has
[16:14] grown a lot in that respect. We lack more, but yes, it
[16:18] has grown a lot, because well, because, as you have well said,
[16:25] from every point of view, everyone is putting a bit of sand,
[16:30] then the state has grown a lot because there is an institution called CONDIS,
[16:37] National Council of Disability. The law changed from forty- two zero to five
[16:45] thirteen. Then that law of five guin thirteen that today also in the future
[16:49] you need to have an ism change and renew for time. It was in
[16:56] two thousand thirteen, already ten years ago, and every ten years, because
[17:00] there are many better things to have in intervention and I really feel that we
[17:07] in that have a great participation with Adis. He' s done a really
[17:14] nice job and he keeps doing it. It doesn' t matter the change
[17:18] of government that that also influences, but there is also a follow- up
[17:26] process within that. Today, with Adís and I say it like that because
[17:29] I have participated a little bit in each of those areas, so with Adis
[17:34] you have many options that I tell the family you should go. With Adis
[17:41] he has the help of the government. Little one, because we can'
[17:45] t wait for everything. Very small. He has the one who gives you
[17:52] a license to have a condition and with that license you can have access to
[17:57] several things, which also includes the most unprotected class, because a little less
[18:04] because the help is so small that he may give us. But we also
[18:07] need to understand that everyone else also needs help. But it' s interesting
[18:15] that they' re headed to the Conadis. But a wonderful aspect that there
[18:19] is today, besides the Kaide, which is a space that was created for
[18:25] disability specifically and that before nothing else, lasted until nine, then until twelve,
[18:30] and that today is already in the change of being managed directly by the
[18:37] space that had to be managed by education. Now he' s passed education,
[18:45] first to health and now to education. So that also influences, because
[18:48] there you get diagnosis, therapy and so on. But another aspect, yes,
[18:55] or another very interesting aspect is that children' s rooms were created.
[19:02] Then in the children' s rooms and they started and I say it because
[19:07] I participated in the training as a consultant. They were created many years ago
[19:11] too, but they hung up for the contributory regime, what is it that
[19:17] we work in a company, we pay social insurance and there is a percent
[19:21] of that social insurance, of the family insurance. Within that one percent is
[19:25] a small amount to be part of that education. But not even that anymore
[19:32] because the one where the INIPE, which is the institution that manages the children
[19:37] ' s rooms, brought to its institution those that are of the contributory regime
[19:45] and the subsidized regime, that is, that there was an uprising at the
[19:51] country level in the past government to know where there was more need to stimulate
[19:57] the children and has a but wonderful program called the KIPE and the CAFFI.
[20:03] So, if a child since birth or a pregnant woman can be accompanied so
[20:08] that she can get all the help she needs, but then she can take
[20:18] her child to these places. There are two styles, one of the woman
[20:22] who works constantly needs to take her child and the other that if there is
[20:27] an economic possibility, a little higher within needs, then she is taken an
[20:33] educational information to the house. I' m saying that because I also worked
[20:38] five years. He advises you in that space. So, if there are
[20:41] institutions to which both pregnant and then they can go that we lack so many
[20:48] institutions and that this should be the best thing that can happen to any child
[20:52] who does not have the ability to go to a school, to a preschool,
[20:57] then wonderful. So we' re going to change a country as long
[21:00] as we, as a child, can, but what happens within the inipe
[21:06] that, of the components that handle the ipexis. The disability component was created
[21:11] and we were an adviser to that component. Then, from the moment a
[21:17] child is considered to have some disability condition, it is the quick entrance door,
[21:22] without any kind of situation to the rooms. This has helped a great
[21:30] deal, because there is a great deal of agreement and with other institutions that
[21:36] contribute to the realization of the therapies and that the costs are very economical and
[21:44] perhaps the contribution is necessary relate to almost all the institutions or NGOs. Then
[21:52] we really have support. Now we lack quantity and on a private level we
[22:00] lose an eye and that' s why I said in the married do answer
[22:07] the question. I said I wanted to hear the part of her that maybe
[22:11] has more knowledge of foundations and so on, but what we parents live through,
[22:15] which is reality. While it is true that the country has many foundations,
[22:21] it is not the majority, because many of these foundations, in the
[22:26] case of Kait, which is free, do not give enough for the number
[22:30] of children that there is currently autism. Every day the number of children with
[22:36] the condition increases more. And the reality is that every day the system gets
[22:41] tighter, because what before and I' m going to talk from my experience,
[22:45] I can' t imagine if that I live it, that I count
[22:49] on a platinum insurance, we' re going to say so that lives a
[22:56] family with a maybe basic insurance, because before an insurance paid you a full
[23:00] consultation. Now it' s practically covering a thousand two hundred seven hundred pesos
[23:07] for therapy. And we' re talking and speaking from the part of the
[23:11] condition I know, which is autism, where a child easily has to receive
[23:15] up to five different therapies. We' re talking about the occupational one of
[23:21] speech, that of psychomotority, that is, when you make a range of
[23:26] five therapies and each therapy you put on that speech has been twice a week,
[23:30] in five or six thousand pesos of a single therapy, that is,
[23:34] it' s very expensive. So, that' s what we add to
[23:38] school. To that we add school expenses for a companion a dad with a
[23:45] child with a disability. Pay two students practically because you pay for your son
[23:49] and the accompanying teacher. It' s practically two, two, two school
[23:56] places. So I feel that in that part, while it is true that
[24:00] there are many foundations that have been motivated by many parents who have children of
[24:07] disability, that is what I perceive. I' m not as much of
[24:11] the government as I am. I do feel little support and forgive no no
[24:15] or little support why, Because I feel number one that parents in other countries
[24:18] and going to international cultures, that parents receive a government support, an extra
[24:26] card that you say, you have your salary, but they compensate you with
[24:30] the amount for your child with a disability. There and it is even more
[24:38] difficult when we talk about the condition of autism, which is often not visible,
[24:42] than in the face of society. You don' t have a child
[24:45] with a disability, because many times the term disability relates it to the appearance
[24:52] to itself. Then it' s harder to justify it. Then we live
[24:56] as with a constant struggle or s o n o s o s of the
[25:00] condition and number two, also the economic spending that one faces. And not
[25:04] to mention the subject of school inclusion. Of course I said I even vented
[25:10] in these days from my nets that I said that' s a headache.
[25:12] There are many parents silent about what they live to be accepted in schools.
[25:22] The reality is that many schools say we are inclusive, but what is lived
[25:30] in the process that you easily take your child to make an evaluation and they
[25:34] tell you we don' t accept it, they don' t even show
[25:40] you the result of a test or they don' t tell you the reasons.
[25:41] They tell you ah then the reality. One child with an easily bounced
[25:45] disability up to six, seven schools, yes, then you have to fight
[25:52] to get him to school, fight, on the other hand, that the
[25:57] economy gives you two because they are doscupo and what you have to pay for
[26:03] also therapy. Then I feel that a law was enacted in that part.
[26:07] Yeah, which will be, that this is the review stage. I don
[26:12] ' t know yet, but it didn' t start as such. I
[26:15] say that we have not yet seen the execution of the law as such.
[26:21] And I would say that it is a challenge, it is an economic challenge,
[26:23] it is a challenge I would say that even psychological, because one,
[26:29] as a parent, wears out in the process and yes I mean, I
[26:34] feel that there is still a lot to do and how you plan for the
[26:38] same fact that you say it is one, you have to have control,
[26:41] an economic planning. How you do it, because it already says that part
[26:45] of the therapies reimburse you, but it' s not a very high percentage.
[26:49] How you plan on it. They have a separate fund for these therapies
[26:56] you invest save, a part for those therapies of your son. How they
[27:00] are planned to cover all household expenses when there is a child with a planning
[27:07] disability is essential and, above all, generating additional income is also essential,
[27:12] because even if you have your fixed salary you have to look at the contingencies
[27:18] that happen every time, the topic of a therapy that arose or a teacher
[27:23] that came up with an activity. The presence of an emergency fund is vital
[27:27] and to contemplate even restricting itself to some things, because a father who,
[27:36] in our case, might want to travel more or do different projects, one
[27:40] says no. I have for next year. I have to pay a shadow
[27:44] teacher. I have to plan and make myself even leaving already from the financial
[27:48] part, instruments, instruments that you say. Well, see if school starts
[27:53] in August. From here August, I need to have so much of a
[27:59] potential accompanying teacher that there are six months already my planning is not a normal
[28:03] school year, it is a school year. This budget. So here come
[28:07] the financial instruments. What started as an emergency fund can become a structured short
[28:12] - term product of six to eight months. That one says in this period
[28:18] of time is the money that is destined for the school and teacher amazes and
[28:22] then what remains to try it, that it is for fun, travel,
[28:29] family and what it takes on the road. I totally agree. With you,
[28:33] I wanted to answer the initial question of what we have in the country
[28:41] and what happens to us also that the middle class is the most affected class
[28:45] in every way. Then what happens to everything you said. It is pure
[28:55] and really what a middle class family lives, but it is you have missed
[29:00] something you also need to have a physical time and a ability to transport.
[29:10] What can I do for you? Also, if you can get him into
[29:15] the magnificent school, but you have to look for him, like another mom,
[29:19] but you have to take him to the different classes, maybe like another
[29:23] mom too, but it' s not the same, because you have to
[29:29] take him with you, you have to go look. There' s the
[29:30] plugs that don' t, there' s, there' s not going
[29:36] to do anything and it' s going to become a pretty big headache.
[29:37] You know it caught my attention, something she said and even I' m
[29:42] curious to know. I see that many mothers on the way to discovering that
[29:48] they have a child with a disability, often stop being executives to dedicate themselves
[29:56] to this yes. So I say it' s also part of that that
[30:03] time doesn' t give you or whatever it is. I am not normal
[30:06] that you say well, the one that counts horny outside is a blessing,
[30:10] but the one that not that you have to do a work schedule and at
[30:12] the same time, and that they give you permission, is that they give
[30:15] you permission to work that you get tired of giving you permission and that tires
[30:18] of giving you permission and permission and, for example, that it is a
[30:23] healthy child, a wonder. But when he' s not healthy, you
[30:27] have to stop doing things because, for example, in my case, I
[30:36] went I liked being a mom, it was part of me and I did
[30:41] it without having the condition. I worked as a remote- sayer at that
[30:48] time of a few hours because I didn' t want to stop working and
[30:51] what I did was a support to a family business. So that gave me
[30:55] a small, small income for me to feel that I could go to the
[31:00] living room without having to ask, although thank God I could have lost it.
[31:04] But it' s that desire that because you prepare yourself as a woman,
[31:08] you also want to feel that what you did in your life is not
[31:12] just to go to work, to stay home. That time has passed.
[31:18] Anyway, but that' s really what happens is that there comes the planning.
[31:23] The truth is, I was wrong about the account. It' s
[31:26] not easy. And that part about us having to think about what' s
[31:33] gonna happen when we decide to have a child. In these times, you,
[31:40] with young people, are more plamnified families in every way even have the
[31:48] time to be alone before you decide to have a child. And I see
[31:52] it wonderful because it is not only the fact of being able to develop as
[32:00] professionals and have and have more partner security, which also influences greatly, it
[32:04] is the fact that the baby, since being born, since being born,
[32:09] receives emotional information from mom, which is part of what I do, is
[32:14] in the first thousand days, which is a development program. It' s
[32:17] telling you the importance of going to the doctor, taking care of the iron,
[32:22] doing this, that and the other, and starting to think that that
[32:27] economic planning isn' t just because you' re going to be a baby
[32:30] show and it' s going to make the room nice. Literally, I
[32:34] want to add, that is to address those families who may have just found
[32:38] out now and are still in the pregnancy process. Or is the baby just
[32:45] born? What do I understand that there are some conditions that you realize later,
[32:49] in yet, in these times, after the baby is born? If
[32:52] you' re like that in that initial stage of what you look at,
[32:55] I' m finding out now. For us, as financial advisors, it
[32:59] is vital to start with organization and planning. That is because, unfortunately in
[33:04] our country too, as there is a lack of information on the subject,
[33:08] as you mentioned that there is also a lack of support on the subject,
[33:12] there is also a lack of financial education. Then many people enter this entire
[33:14] stage of pregnancy without knowing everything that comes after them, in a totally healthy
[33:19] pregnancy. There are a lot of costs we made imagine adding to that that
[33:28] by like this that then comes and everything changes you totally are. Sure,
[33:32] well, come safe as if it' s good. I think it'
[33:36] s even good. You have to plan, but you don' t see
[33:38] the importance of having a good insurance, because ah nothing heals me. That
[33:44] ' s why I' m going to need us, as the middle class,
[33:49] to have the opportunity to think about planning from the moment they decide to
[33:54] stand up. Drinking look for baby yes and looking for yes totally, because
[34:00] really the contingencies are already, they fold to the triple and you' re
[34:06] going to be father and mother until we die. So that we have to
[34:10] think it' s part of a situation because it might not be a disability
[34:15] condition, but it might be a medical situation, so not all insurance.
[34:22] Also that is part of what the law that you have been able to handle
[34:27] as a law different from the five thirteen scripts of a separate law for autism,
[34:32] is more seeking the support of the insurance side. Well I' ll
[34:38] tell you before my daughter couldn' t be in insurance. Yes, there
[34:45] was a refusal that, if she had the condition, she wasn' t
[34:51] in the insurance. But not here, in the United States. We too,
[34:54] when we made the projection of taking an international insurance, decided not to
[35:01] do so because we did not accept it either. It' s still not
[35:04] worth having a chisel. Yes, now and now I' ll take it
[35:08] from you, but Re didn' t do it before. My husband did
[35:12] not, as a doctor yes, accept my daughter within the insurance both feel
[35:16] you support on the part of the prayers. Well, that' s where
[35:21] I' m going. I' m really sure. It doesn' t
[35:25] cover everything. It doesn' t cover you and it tells you I give
[35:29] you ten classes. Right now, the emotional situation, the psychological help,
[35:35] yes, yes, there is psychological help. You get paid, but first,
[35:39] until when they' re gonna pay you, they give you ten,
[35:44] ten Ay therapies and not just that. Yeah, and not just that.
[35:49] For example, if you have a verifiable diagnosis, that is, I passed
[35:54] my diagnosis of my son, who actually says that the child has autism.
[35:59] It was learned that the receipts that you will receive are from consultations on their
[36:05] own, their same condition. Many times they are refused consultations because sometimes it
[36:13] says therapeutic consultation and does not say psychomotority consultation. And that' s why
[36:19] I already do. It is good faith that usually happens even in a normal
[36:23] condition. You know insurance doesn' t take that kind of job. In
[36:28] my case I have the advantage that I don' t know if as you
[36:34] say you used what God gave you to do that, I did the same.
[36:39] I told him, Dad God, whatever you help me. I want
[36:43] to do it for other people, and from there you have to know what
[36:45] you say in life, because from there, forward, that' s how
[36:51] it was and really the thing is that I trained myself to work for my
[36:53] daughter. What do I do? Yes, I do child development work,
[36:59] but insurance doesn' t accept my therapy as child development. That doesn'
[37:05] t exist. Then the milestones of development that are indispensable, that are fulfilled
[37:08] so that at three years you come to realize that it has the condition of
[37:13] autism. That' s gone. That evaluation process is not included in that.
[37:19] And that is now accepted because before they were at seven years, at
[37:22] six years that they could give you a diagnosis when simply to realize that at
[37:27] such age it does not have, it has not achieved that function, which
[37:32] corresponds to the first brain formation, that they are in the first year of
[37:38] life. That' s what I' m saying, as you said,
[37:42] right now, is that I saw that they told me not that I was
[37:45] okay, that he' s not talking like I speak in other children,
[37:49] but that not all children are the same. No one is comparing but there
[37:51] are milestones of development and that is what we work with and with that we
[37:55] can realize that already in many parts, you say look, if you walk
[38:00] in point, if you turn and do not concentrate, walk there and walk
[38:06] here. And if you call him and he doesn' t answer you little
[38:12] sensitive details that apparently is nothing, because you know, you know they listen
[38:19] to you, then all that is necessary, that is as she says,
[38:22] and that people find out because that' s not in the face, it
[38:27] ' s not in the eyes of chinado. There aren' t many mothers
[38:30] who are also and parents who are in denial, who have that little spin,
[38:35] but sometimes are afraid of being able to discover. And I' m
[38:40] always going to be the same message. The faster. You face the subject
[38:46] more tools you give your son so that he can overcome many, many,
[38:53] many fears that will come on the way us. Through that I began to
[39:00] make my capsules look like mothers could identify and not just take, because in
[39:07] my experience I do you, read the gene test of the genotype and came
[39:10] out that I had no gene with any disabilities. We took the auditory test
[39:17] and it was perfect for you. So that' s not for you.
[39:22] It does not determine that you do not have a child with a condition or
[39:27] an adult with a condition, but are some milestones that are seen in development
[39:31] that are practically the voice of alertness. It is basically accurate if you have
[39:37] the spin, seek help from that seek help remove the spin for you to
[39:42] be clear and act quickly, that you have a lot of advantage when you
[39:46] act quickly in these cases, then let' s talk from our financial education
[39:52] expertise and obviously, supporting us. If you' re both with a case
[39:57] that deserves to know this, then it' s us that we talk about
[40:02] in finance, there are many things that need to be taken into account when
[40:07] you have a child with a disability. Imagine that in my case, I
[40:10] have a daughter, immediately my budget doubled and even very ching more, almost
[40:15] tripled. A budget of a normal couple doubles, which triples in the case
[40:21] of you who already have a person, a child with a condition. We
[40:25] ' re talking about therapies coming in, that is, medical expenses coming in.
[40:30] The expense of insurance knowing that you are also inclined to the best available
[40:35] insurance, the one that covers the most that is obviously going to be the
[40:37] most expensive. Also the therapies that you mentioned, which are not just therapies
[40:43] as Jennifer spoke, but therapies that you especially, which are, apart from
[40:47] any other therapy is has the advantage that it is and not to sell.
[40:52] But the most important thing of all is the knowledge that parents can have,
[40:58] that is, so important to be able to repeat what is being done to
[41:05] them elsewhere that what you are going to learn is not simply because you went
[41:13] to do that specific type of therapy when the family can get involved. Not
[41:20] everyone does what my program does, because what I do is go home and
[41:23] teach the house what they have to do so that they can do the job
[41:28] themselves, that is, not just work the person I command, I make
[41:32] an evaluation, I do what I then make a report and the recommendations and
[41:38] then I send a staff to the house to do the exercise program that I
[41:44] think is going to allow him to fill the gaps that in this case,
[41:49] or remove the dysfunction that he is doing, that the situation becomes more and
[41:55] more difficult, because as much as you want to be calm, be quiet,
[42:01] it is not quiet, but we need to know how the vestibular system
[42:05] works, which is the one that handles balance, concentration and everything else.
[42:10] So that kind of exercises that are done that you can do equally in any
[42:15] space. Ideally, parents learn it clearly and have the time to do it,
[42:20] to look for the moment or the person that accompanies you. Similarly,
[42:23] an education in education, as the companion said, the teacher who accompanies every
[42:28] day, that is, is an additional expense that would have to be included
[42:31] in the budget exactly taking into account also a life insurance, which is a
[42:37] recommendation that we make. There are also other mechanisms that are very little talked
[42:44] about, such as the fide successional confiscation, where you already delegate to a
[42:49] trusteeship, since you manage those funds and how you want them to be handled
[42:53] in what is curlos, in education, in health, that is, you
[42:59] delegate it there, and like you already are. I say that brings you
[43:00] peace. Obviously, there is much to know about the subject, i e
[43:06] I invite the listeners to investigate this topic if they have any children or family
[43:12] members with any disabilities completely and to you what you would recommend to that person
[43:19] who might just find out or have that diagnosis, both on the psychological issue,
[43:23] because, as you mentioned, there is a wear and tear, i
[43:29] e for you too, I imagine that if you do not have an accompaniment
[43:31] not only from the family support network, but also psychological, because it is
[43:37] more uphill, what you would recommend in terms of when I receive that news,
[43:44] both on the psychological issue, to overcome grief and on the economic issue.
[43:47] From my experience, don' t panic not feel the world is ending
[43:53] at all. I' m not going to tell you that autism, which
[43:59] is what I know, is a blessing. I' m not gonna say
[44:01] it that way. But if it is an opportunity to see life differently,
[44:06] it makes you more human, it makes you more empathetic, it makes you
[44:12] more sensitive to some things and it helps you see life and that person in
[44:16] a different way, that they deal with looking for the necessary information. They
[44:25] move the necessary professionals to heal in that duel seeking psychological and therapeutic help.
[44:32] It is vital because although we sometimes believe that we can do everything, we
[44:38] need help and it is totally valid and from the financial point of view,
[44:45] always think of tomorrow not to live in the day to day, because many
[44:49] of us live the day to day, but we have to plan, even
[44:53] if it is already today there are instruments from ten thousand pesos in the market,
[44:59] that is to say you can, when they allow you to even contribute
[45:04] a thousand pesos a day so that you keep that little bit for little more,
[45:08] that it will allow you when a therapy comes, when it comes to
[45:13] a accompanying teacher, when a test or analysis comes that needs to be done
[45:16] on time, you have a resource with what to count on. Okay.
[45:17] I' ve been totally impressed because I' m a mother who didn'
[45:27] t know this ability to make those timeouts, those preventions, and knowing you,
[45:32] Gin, I kept the truth. My daughter was just as long as
[45:37] she said, but I wasn' t that kind of person. However,
[45:42] I find that it is something like the parents, when the news comes to
[45:46] us, I say what I want is for my son to be happy,
[45:51] I what I want, for my son to be functional. I want that
[45:53] but it' s part of that wanting that in the future, that future
[46:00] will depend on everything you just said. It' s really a must.
[46:07] Saving and saving with that specific projection, has left me very delighted. Right
[46:15] now I am a promoter of understanding that you can talk from a small age,
[46:22] about that small amount that you have, because you can and you must
[46:30] do it, not only should you think that it is the day to day
[46:32] and that with that you will not give me because Rachel has since little girls.
[46:36] Raquel when he started working, he had different envelopes and then, on
[46:40] that I was throwing the money out he went and he had four accounts in
[46:45] the bank and his cousins said but and how it' s going to be
[46:49] and it' s that you have a different mentality that has helped and it
[46:52] ' m stopping you for the trip from such a place, this is for
[46:52] ' s really the one that I was telling him. Well, because I
[46:55] whenever I want. And that' s important, that' s very important.
[47:00] And more now, like you say, there' s a lot of
[47:04] ways you say good, ten thousand pesos. I forgot that, ten thousand
[47:07] pesos are there, because it' s always going to look like someone who
[47:12] needs it and who' s looking for an instrument with a lot of self
[47:16] - control, which works a lot. The theme of making it automatic,
[47:20] subscribe any instrument from any entity that makes you automatic debit. That' s
[47:25] seen, because if that' s what I didn' t want, it
[47:28] ' s sa. I am not going to a culture of savings that is
[47:31] forced to send the automatic, that does not even see that when I charge
[47:35] that not only or is to sign up for subscriptions of expenses, it is
[47:38] not also in subscriptions of investment. That, then, look, that one
[47:42] ' s really good. You' re going to say yes to me,
[47:45] but 100% for a family that has some member, some family member that
[47:52] has some disability condition. We really recommend, really really that the Emergency Fund
[47:58] is of so, for everyone, it is a priority, but for such
[48:00] a family it is much more vital. And to contemplate what covers you,
[48:08] for at least a year, of your essential expenses, those expenses that you
[48:12] have at the table month that covers you for a year, because you don
[48:14] ' t know if you' re going to have to leave the job for
[48:16] x or, by the way, you don' t know and you'
[48:20] re going to have to travel for x or. Because also because, as
[48:21] you mentioned, a lot of mindsets arise and, especially in those cases much
[48:25] more. I mean, the emergency fund is vital. It can be invested
[48:30] so that it grows, but let you know that you count on that mattress
[48:34] before situations can arise. It' s just that in the end, that
[48:37] emergency fund is going to be the peace fund for you and your family in
[48:40] the future. But I' m going to tell you something, it'
[48:45] s that disability is permeating the air, because we don' t know,
[48:52] that is, what we have as an inheritance, because they were born with
[48:58] a condition, whether hereditary or not. From that moment on, already that
[49:02] emergency fund is necessary then. I am very well aware of all this and
[49:09] I am very motivated. How good and true it is necessary, because any
[49:15] accident brings you a disability that totally then, because whether it' s physical,
[49:20] we are talking about intellectuals like down and he has to warn you and
[49:25] they don' t warn you, they knock on the door and they don
[49:29] ' t warn you completely. Not really that we both congratulate them because,
[49:31] just as we promote education in finance, you are also educating on an issue
[49:37] that is not talked about, as we said at the beginning, and that
[49:39] it is very important that we all educate ourselves, that is, not only
[49:45] the families that have people or conditions or disabilities, but the whole world,
[49:49] because so we are going to have a better society. So, it'
[49:52] s really an honor for us that you guys have been here. We hope
[49:58] to receive them soon, because there is a lot of missing information training.
[50:00] We can still stay here for three hours talking. I believe that we do
[50:05] not end up like this, that they are invited when they want again and
[50:12] we congratulate them for being a contribution to our society and our country and together
[50:17] we are changing and taking that country to where we want to see it in
[50:20] the future. So it is thanks so much to you as well and anything,
[50:24] for we are both in the arrangement. I say because I already know
[50:28] what it is is is your area and I, for my part, also
[50:30] that anyone who listens to this podcast who can know that they have more people
[50:38] to be able to continue contributing what such In my case I have experience that
[50:45] they are already a few years, where they can find it. I have
[50:50] an instagram that is and Bet Ben Mudez rd Robbi bet bermu Ok. There
[50:53] ' s my phone open okay okay. In my case, I am a
[51:00] fashion blugera you can find my networks in physical or Clock Miran, well,
[51:06] many thanks to this episode. I' m sure it' s going to
[51:09] reach many families and it' s going to help them a lot and really
[51:14] that' s already been a long time, and that little help moves the
[51:15] world. So I really thank you for the time and dedication to educate us
[51:19] all a little bit more on the subject. Thanks to this, Belicistack,
[51:23] Thanks see you next time I share this episode. Don' t just stay
[51:28] with him, because we' re sure you can still help another person,
[51:31] a family, to be able to educate themselves more on this subject. Bye
[51:35] bytou. Thank you.

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