# EP 41 - Las mujeres tambien sabemos manejar el dinero An episode of [Economics Data Podcast](https://invisiblenetwork.ai/podcast/1690287258), 13 Mar 2024, 30 min. Audio: https://dts.podtrac.com/redirect.mp3/api.spreaker.com/download/episode/59028234/ecd_solas_8_3.mp3 En temas de dinero y mujeres, las cosas han cambiado muchođŸ™ŒđŸŒ hoy podemos tomar el mando del dinero y temas financieros, tener inversiones y tarjetas de crĂ©dito, algo que hace años era imposible de pensar. Este episodio lo dedicamos para continuar con el gran manejo financiero que hemos demostrado ser capaces las mujeres, donde compartimos consejitos claves que nos ayudan a seguir creciendo en este tema. Si quieres seguir aprendiendo de finanzas “con cucharitas” sĂ­guenos en Instagram Youtube TikTok ## Transcript [0:02] Welcome to Economics Tata Your Finance Podcast Here we will talk light and sincerely about [0:09] money where together we will turn the hard into easy and clear we will take [0:16] our finances to another level. From now on, your numbers will be as [0:20] if you' ve never committed errols for a lecturing past, a healthy present, [0:25] a promising future, and a grateful pocket. That' s why we [0:30] ' re following us on Instagram, Facebook, tik tok, linking and Twitter. [0:32] Arroba economist welcome to a new episode of Economics Tata your Podcast finance. [0:38] And today we' re distasteful because we came to talk about a topic of [0:46] how we women have been inserting ourselves, not only in the financial world, [0:51] but in things that for me kim was basic and before we couldn' t [0:58] even do them. We depended on having one next door, having a husband, [1:00] having a partner, something as simple as voting. Gentlemen, the right [1:06] to vote. Yes, sometimes you take so many things for granted, that [1:11] you feel that they are totally normal, that it' s a right that [1:15] just falls off the kill, but when you look at the past, that [1:19] ' s why it' s important to know history, you say no, [1:23] but this was not normal. I mean, we' ve been evolving, [1:26] we' ve been sensing changes thanks to God. I say that we live [1:30] in the 21st century, in two thousand twenty- four, and that many [1:37] things have already changed, but I also feel that we have been part of [1:42] being able to make the change come true completely, that is, before things [1:48] that we are for granted today are the fact of voting or taking a loan. [1:51] For example, before a thousand nine hundred and seventy- four, women [1:55] could not apply for a loan to drive some of our goals crazy and in [2:00] the decade of the nine hundred and sixty, for example, many women needed [2:06] the permission of their husbands to open, gentlemen, a simple bank account. [2:09] Imagine that you have to ask your husband' s permission to open an account, [2:16] which is something so I say that it' s something like you ask [2:20] for your card and even things like subjective, like even wearing a pants, [2:24] that women didn' t always have to be in skirts, skirts and comfort [2:29] when, gentlemen, it' s not like before that they were also denied [2:34] access to credit cards to women being signed from their husbands. Then, definitely, [2:40] in the conscience the financial education, the same women who asked for this [2:46] to change and who have put on, have taken off the fake, have [2:50] put on the pants to make the changes come true, have allowed that already [2:54] today all this does not see it as normal. But it wasn' t [2:59] normal before. So, definitely, that we value it and understand the great [3:02] importance that financial education has for this to be possible and for us to continue [3:07] seeing improvements, we continue to see changes and we all as humans growing up, [3:14] because this no longer depends on sex, this depends on simply humanity. [3:16] These are basic things and we have definitely seen a change. But we, [3:22] when we started this platform. Even a lot of us labeled that well, [3:28] we lasted two years without showing our star on Instagram. We lasted from two [3:31] thousand quinos two out of seventeen, posting news without anyone knowing who was behind [3:37] the account. And when we decided to throw our faces, there were comments [3:44] that they thought they were men who handled this account. Because I think there [3:47] is still a little bit of an issue that we have been improving with the [3:53] inclusion of women in the financial sector. But it is widely understood that those [3:58] who talk about finance, who talk about economics, are men or who are [4:00] in these high- level positions dealing with economic and financial issues. And it [4:06] comes very handy with this that we talked at the beginning of these statistics that [4:11] until certain years women could not do anything financial, they could not manage the [4:15] money of the house at all, nor manage their own personal money, nor [4:20] open accounts, nor credit card. We did not lend then how financial inclusion [4:28] was later for women, since obviously there was more male presence on all these [4:32] issues. So, maybe that' s why people visualize all those who have [4:36] to do with financial management with money to men, plus that of course it [4:41] was very evident in many years that the main financial charges were also for men. [4:48] But yeah, definitely, when we went out with that picture I remember, [4:53] we looked like a kid. At that time people what, but they [4:57] ' re two women. I thought they were men who were behind the page [5:00] and we were what, but yes and we are women. The truth is [5:04] that it surprised me, I mean, it doesn' t record me. [5:09] I didn' t expect it that although I did see it in the labor [5:15] financial sector, that many positions were held by men in the financial sector, [5:18] I didn' t expect people to visualize that our platform was managed by men, [5:24] so that part surprised me. Yeah, me too because for us it [5:27] was normal, but for them it wasn' t, like in the subconscious [5:30] it wasn' t, but it' s just that men are the ones [5:33] talking about finance and in fact, my family I can tell you that my [5:40] grandma never handled money. The money she handled was simply the money to buy [5:45] at the supermarket, to food for the house, that electricity, that just [5:50] the expenses of the home and your son, that' s my dad but [5:55] from there, that' s all, my grandfather handled absolutely all the income [6:00] of the home. My grandfather asked for us, asked for all the financial [6:06] products and when I included her, it was simply a signature and nothing more [6:12] to see, without consulting, without anything, And in my case it was [6:15] also so my grandmother, even the supermarket' s Nile, nothing. She [6:18] had no knowledge of anything, she wasn' t even in the financial products [6:24] either. And I compare it now, for example, with your relationship and [6:27] my relationship, which is not what you look at. I took this investment [6:30] and I signed it here so it' s all together. It' s [6:33] not that before I decide the instrument, we talk about it. We' [6:38] re talking about our goals together. And it' s also valid to have [6:44] my individual goals exactly. It' s a total contrast now. When you [6:46] visualize what the pair of our taboders was like to what our current partner is [6:51] like. How we do talk about money, how we, the two of [6:56] us, get involved in the important decisions of loans, mortgages, that loans, [7:00] of vehicles that we are going to undertake, a business, that expenses [7:03] to be covered in the house. Gentlemen, this is something of both, [7:08] because it is a team totally then, already, thank God, already men [7:12] have even understood it and already do it as well as in fact, as [7:15] of course, that is, this is a theme of both. Not like [7:17] before, but I can tell you that some, some thirty years ago, [7:21] yes, that is, the generation before us did, I did see it [7:26] differently. And I think the women who did appropriate was because of the fact [7:30] that they were divorced or something like that, they already had to because the [7:33] man wasn' t in the house. But most of it wasn' t, [7:41] that is, as I was already together for years with that husband, [7:45] because it depended on that, it depended on me taking care of the children [7:47] and you taking care of that part of the finances. But now we see [7:51] a team like you say, we see that we can both do s chores, [7:56] that is, mainly although it has been time for us some advices from [8:01] people who then good women, specifically that after getting divorced, as they said [8:07] look, my husband paid everything and didn' t know that I work. [8:09] My husband paid for everything. My husband did everything. Because maybe it comes [8:13] or with this home supplier culture, the one who pays for everything, etcetera. [8:18] And now that we' re divorced, the truth is I' m [8:22] having a hard time financing you because I don' t know anything. So [8:24] now I have to learn from scratch. I remember someone who told us is [8:28] that I started where it is that things are paid, wherever it is, [8:31] I had to call South why they don' t give who to whose name [8:35] the contract is and how I make that payment, that is, things like [8:39] that to make up payment, she had no knowledge. Yeah, yeah, [8:43] yeah, and that' s what I' m saying, it' s [8:45] personal, I mean, it' s something that you just kind of stick [8:50] to the person and say, uh, it doesn' t solve him. [8:52] But I wouldn' t say that every person is responsible for knowing their financial [8:58] situation, their numbers, the numbers of the house, all because you can [9:01] ' t live with a blindfold. No, no, you don' t [9:07] have to get totally involved. And we have seen some statistics recently in our [9:13] country, which has been seen in the inclusion of women in the financial issue. [9:18] We were talking about not being able to take a loan without the husband, [9:22] but now the super banks have published that forty- eight of the people [9:26] with credit are women, that is, we are seeing that there are women, [9:31] this percentage has been increasing that they are already taking credit, either for [9:39] their ventures, or for their home, so we already see an inclusion that [9:46] women are taking credit to advance their financial goals. I love it. I [9:52] love seeing this change. Even we have also seen the change that at first [9:58] I did not want to think about it, but now that I touch on [10:03] the subject, it seems to me that I do. At the beginning, [10:05] before, perhaps sharing our faces, the statistics of our instagram were very inclined [10:09] to men who were mainly I don' t know, some seventy eight were. [10:16] Many were eighty percent men, twenty percent women, and that has changed [10:20] over time. Now our statistics are sixty percent women, forty percent men, [10:28] and not only on social media, but also when they schedule advice from every [10:35] ten consultancies, I would say there are two men, eight women, two [10:39] men. Totally good workshops. We have workshops with hundreds of people and hundreds [10:46] of people. I would say that maybe forty percent, thirty percent are men [10:50] and already the remnant are women, that is, when they light the chambras [10:54] there are women, women women, men, women, woman manas. No, [10:58] then yes, I mean, we' ve seen it the same way [11:03] in this quest. Of me educating myself, of me knowing, of me [11:05] empowering myself. I want to know how to make the budget. I want [11:07] to know how to invest, I want to know how to take my financial [11:13] products. By lending and this is of great pride. Totally why does that [11:18] change the world? Does that totally change the world? Not only the economic [11:22] growth of our country because there are already more informed women who make better decisions, [11:28] but also that we are impacting, as you say, the world, [11:31] because we are already, as we saw in the last workshop, not only [11:35] impacting people in our country, but in different countries. Another of the statistics [11:41] of our country that has narrowed the wage gap. In the two thousand twenty [11:48] - one we had a twenty- five percent right- wing gender wage and [11:54] now it went up to twelve percent. So it means that women are already [11:56] being paid more like men. We still have a gap, but it is [12:03] a good sign that has been narrowing over time. Of course I love it, [12:09] so we have seen how we have been included in the financial issue. [12:16] We' ve asked for that salary increase because it' s also valid. [12:18] It' s also valid to ask for a moment of salt It' s [12:24] clear, because I gene paying less. I don' t remember when someone [12:28] with a figure I would say father in my life told me many years ago [12:35] and women have to be submissive and I and look tells you exactly. And [12:41] I don' t even remember how old I am right now. But I [12:43] assure you, I was a minor and I was a submissive. But he [12:48] went crazy and why submissive so you can see the mentality. No, I [12:54] mean, you can' t ask for a salary increase. If you understand [12:58] that you are worth it, you know the extra mile that you are working [13:01] well. Of course, you can totally do that if you are fulfilling and [13:07] have the same experience as this man, because you can ask for salary increases [13:13] and even Kim. One thing many people don' t know is that you, [13:16] like I start, that is, you' re launching your venture, [13:20] you can go to promise PIME and access credits for that venture that you' [13:28] re starting with good conditions. And they also reported that sixty- one or [13:31] sixty- one point, four percent of these loans in promi PYMA are focused [13:35] on women' s entrepreneurships, so we are also seeing number one that is [13:39] being asked for credit and number two that women are also forming their entrepreneurships. [13:46] Yes, the truth is that this is something that we have to applaud to [13:50] the country and management, because we have seen how even on the Dominican shopping [13:54] page they also have a section that is for companies that are headed by women, [14:01] that is, that their owners are women, and that is an advantage, [14:03] that is, that is simply facilitating things to be more and more equal. [14:09] Likewise, well, then some advices that we want to leave in this [14:15] episode, because definitely, these data that we have been telling you throughout the [14:20] episode come with a base, and the basis that for us makes changes is [14:28] the basis of financial education, because you cannot insert yourself financially speaking. You [14:33] can' t get organized, you can' t make decisions if you don [14:39] ' t have the basis for what financial education is. So, for our [14:41] part, as financial advisors educators, we want to leave you this little gift [14:46] of these punctual tips so that you can put it all into practice, be [14:52] able to know ok These are the key gold tips of the million for me [14:58] to manage my finances well and start with understanding first what we talked about here. [15:03] Finance is non- discriminatory. Women can also achieve everything they propose in [15:09] terms of money. They can manage to buy their home, they can manage [15:15] to buy their assets, they can manage to travel, build their business or [15:20] manage the money of the house. I mean, it' s all the [15:22] same. Gentlemen, you can all number two. If you don' t [15:28] know your numbers, you can' t get organized. Then this applies not [15:31] only to the individual budget, which is valid for you to have your budget [15:35] for your personal expenses and for your goals and savings, but also for the [15:41] home. I mean, we already talked about here being a team that has [15:45] to know the numbers. That doesn' t exist, that ah no, [15:48] I' m not going to say how much I win. He' s [15:50] not gonna say how much he earns. And we' re going to commit [15:54] financial infidelity. No, not that, yes, it' s teams, [15:56] gentlemen, on a battlefield. Please, it' s not the battlefield You [16:00] can join in to go further. I don' t know who' s [16:04] going to get more accurate first, because an exact family isn' t who [16:08] ' s going to go yesterday first, but how we can join forces to [16:12] get there faster together, that is, we have to know our income, [16:18] our debts, because there are people hiding from debts, there are also no. [16:19] I' m not going to tell him that he takes that loan, [16:22] because then he' s going to tell me why he takes it. Decisions [16:25] are not taken as a whole, but also their savings. And investment is [16:30] getting to know each other and also talking about the financial goals that are clear [16:34] and that applies very well with a dear little wine next door, also to [16:38] make it more comfortable to talk about the subject and more enjoyable. Number three, [16:41] gentlemen, the budget is going to tell you how you' re going [16:45] to be a tool of too much help for your personal finances. It is [16:51] an essential organizational tool. It will help you to list the income you have [16:56] at different times of the year, what expenses you have, which are fixed [17:00] and essential, that you necessarily need to have those expenses to live, the [17:04] secondary expenses, which are leisure expenses, subscriptions ordered by delivery and restaurants concerts. [17:14] True, we know that this very lot of concerts and events and also [17:19] the savings, that you know that when we talk you save yourself, it [17:23] is investment, but the budget helps you to have on map all that to [17:30] know what are those opportunities improvements that you have, what are those opportunities to [17:34] reduce expenses or eliminate certain expenses to increase your savings and also, if necessary, [17:41] raise revenues, because that is also possible, it is valid. That [17:45] too, small expenditures should not be underestimated, they should be accounted for. [17:51] Tell yourself tip, gentlemen, the tip you have, even if it' [17:55] s a hundred pesos, even if it' s fifty pesos, you have [17:59] to count it exactly. Also a dear wash with a line in the living [18:02] room. There, there, oh, there, oh, a scaps expense. [18:06] Gentlemen, I' m going to control where you' re going. [18:08] Literally. You are going to control that and walk with your pots up and [18:14] in case that pot was left, because it accounts for the boat with lines. [18:18] I' ll look. I think if the potest stayed in the house, [18:21] go get it. It' s better for you to send a command [18:26] that I get you that and charge you two hundred a pick of fishbook versus [18:30] you go pay lines. I think so. I agree with that. I [18:33] mean, always leave your lump in the car better so it doesn' t [18:37] stay. Yeah, it wasn' t five. Let' s get the [18:41] fifth. Yes, truth, yes, ok, it is possible to have [18:44] financial goals truth laura, of course yes, only the truth. I am [18:48] going to have to finance myself, of course, but I can also have [18:51] goals fully accompanied. It' s possible. Both are not exclusive exactly then [18:56] my individual metal. For example. Ah I want to give myself a light [19:00] or buy my wallet the shoes that I want a jewelry that time an individual [19:04] goal. If I want to do a master' s degree, it' [19:08] s an individual goal. If I want to change my vehicle goals together they [19:14] can already be if you are married, obviously, if you have a good [19:18] couple, housing, which is already a more abysmal financial goal, the college [19:21] of children, travel together, as a family or as a couple. These [19:26] are goals that can be set together perfectly. Number six our motto, our [19:33] commandment. I think everyone knows. We' re going to repeat what we [19:37] do. Savings have to become investments, no matter what a thousand pesos, [19:41] five thousand pesos, ten thousand pesos or whatever you need in a fortnight. [19:47] I mean here. This is a cassette that we' re always going to [19:51] repeat, because we don' t want you to forget it, it' [19:52] s over. All savings have to become investments. Here it' s over [19:56] that you want to see your account, BuchĂșa? Don' t you? [19:59] Don' t you? Don' t you? Don' t you? [19:59] Don' t you? If you are seeing your regular savings account, BuchĂșa [20:03] is failing to earn money. We know that there are instruments and instruments both [20:08] in the financial system and in the stock market, which give me attractive profitability [20:15] and I can get my money out according to the goals I have. I [20:18] mean, that' s it. We know that we can have individual goals [20:22] and goals together, because I divide them into short, medium and long term [20:26] to match it with the investment instrument' s term and see where I' [20:32] m going to put my money. Yeah, that' s a million- [20:33] dollar tip. What I would say when people learn to invest, when women [20:38] understand that investment really changes your life is that there is no turning back. [20:42] It' s clear life you start investing and the excitement it gives you when [20:47] you start to see those returns generating more and more and your money growing. [20:51] That' s indescribable. The play is followed by number seven. It' [20:55] s not just a matter of lowering expenses, because sometimes you focus a lot [21:00] on that thing that I have to lower expenses, expenses, expenses, expenses, [21:04] but the cap of lowering expenses, that is, it has a whole [21:07] down, it does have a limit. But the income you can generate has [21:11] no roof. Then focus also on finding new sources. I get into opening [21:17] your mind to be creative, think about the things you know, and teach [21:22] what you know. That is also an income method and, especially at this [21:25] time that everyone wants to be educated, wants to learn more. If you [21:29] ' re very good at something, you educate yourself about it and if not, [21:33] you get yourself into something so that you can be very good at something [21:37] and then you can educate about it also things that you can do at home, [21:42] sell your clothes that you don' t wear for a long time now [21:45] from any other articles that you' re not wearing. If you' re [21:48] really good at browning, that' s a potential business. Also making cute [21:51] clique data is also a potential business. Then think about all this so that [21:55] you can also find a way to raise those total income number eight. Taking [22:00] care of your credit score isn' t a luxury nowadays, it' s [22:04] a necessity. No matter what you don' t need a loan. Right [22:08] now, eventually, the time will come when you need a loan, you [22:14] need a boost to buy that house that we said, to buy that vehicle, [22:18] that we said to form that venture. It' s also valid. [22:22] So it' s important to take care of your credit score. What is [22:25] that credit score, because it' s that picture of how you behave with [22:30] the credits you have, how you pay that credit card on time, how [22:33] you pay those loans you have on time, those electricity bills. You always [22:38] have to pay for those services and those credits on time. That' s [22:45] not negotiable. Not about turning around, not exceeding your credit card limit. [22:51] So we already know when it comes to taking a loan or having to use [22:56] a credit card. We have a commitment forever for time, because otherwise it [23:00] ' s going to negatively affect our credit score. What the first thing financial [23:06] institutions look at when it comes to granting you a loan is like your clear [23:11] note and number nine and another rule. I' d say we' re [23:18] going to designate it as a universal fix. Another commandment don' t let [23:21] the bank choose your financial products for you. Madam, you are already an [23:26] empowered woman who knows what she wants, who knows about finance, who is [23:30] being educated. Then why are you going to let someone else or a third [23:33] party who doesn' t know your numbers like you choose your financial products for [23:37] you? Of course not, that is you have to already with the knowledge [23:41] that you have to compare, that you have to evaluate what are those options [23:44] that there are, what are those benefits, of the different accounts, of [23:48] the different loans, of the different cards I credit you, of the different [23:52] investments, Well comparing you choose to arm your own combo of financial products that [23:59] best suited you and with that you stay. But who do you choose? [24:03] No one else is going to know how to choose what' s best for [24:07] you and what' s best for you and, obviously, choose them with [24:11] profit and take the juice out of that credit card. Also, Kimberlyn, [24:14] debts are not going to be paid alone and also paying off a debt is [24:18] a goal. That is, we can supplement those monthly savings that we have [24:22] and allocate a portion to the balance of our debt doesn' t mean that [24:26] if you take a twenty- year loan for your home or thirty years, [24:33] you mean you have to last that term. Not you can arrange to create [24:37] a plan that you will save x amounts to settle that debt ahead of time. [24:42] There are different methods to settle debts. One of them is the snowball. [24:48] Method snowball that you order all the debts that you have from lower amount [24:53] to greater amount and you start paying to those goals with lower mor with lower [25:00] amount. You' re paying him off without looking at the cup. And [25:03] there' s another method called the avalanche method, which is according to the [25:07] cup. You' re going to sort your debts with the cup than with [25:12] the debt that has the biggest cup and you' re going to focus first [25:18] on that debt that has the highest rate, then which one is better. [25:19] Well, he' s gonna depend financially on talking. It makes more sense [25:25] to leave with the avalanche method, because in the long run you will pay [25:29] less interest. But how do we know that finance is also emotional psychological. [25:34] The snowball method works a lot for those people who like to go crossed out [25:40] saying like look already get out of the goal with less amount. Now then [25:45] I focus on the other one. So it' s going to depend a [25:48] lot on whether you' re a person so emotional that you like to go [25:53] cross- checking ok go from child to older. Then we also have another [25:56] advice for those women if you have debts, because create that plan to settle [26:03] it before uncle clear because it is not efficient. One is left with a [26:07] debt, for example, of a vehicle that usually has deadlines between five and [26:11] seven years of maturity. Then you take out your debt and you feel comfortable [26:15] with that fee and it lasts there seven years in shock paying that debt. [26:21] You' re paying a lot of interest. Then no. We always decided [26:25] that when you take out a debt, the maturity period is not the maturity [26:30] period. You have to reduce that time frame and how it is reduced by [26:36] making fertilizers with those methods that Labra mentioned is already the snow method, the [26:40] avalanche method. It doesn' t matter which one works for you. The [26:42] idea is for you to know that always every debt you have, don' [26:47] t leave it until it' s due. You have to pay him so [26:49] you can save yourself a good little money, because in the end, who [26:52] doesn' t hurt his money, that is, I' m really hurt [26:53] by his money. I think my money. I think I' ll work [26:56] once if we got a consult where a girl told us that I don' [27:02] t hurt money, I just don' t respect it. You remember yes, [27:04] but I don' t remember what she was doing, because I' [27:10] ve felt like people don' t hurt money when it' s given away [27:15] exactly, but they didn' t produce it when it' s given away [27:18] aha. Yeah, I don' t remember what she was doing. Uh, [27:19] she was fighting, but she kind of spent like that and she didn [27:22] ' t mind noticing, she didn' t mind saying no. You know [27:25] what can happen now that I think you take away emotions. Many times then [27:30] you start buying compulsively and that fills it up and that' s why it [27:37] doesn' t hurt to spend the money, because she' s covering a [27:41] void, maybe or covering an emotion, a Band- Aid, putting wounds [27:45] on them by spending the money, and that' s why it doesn' [27:47] t hurt you. But I think we did make her aware of everything she [27:49] could save. Yeah, yeah, yeah. It' s important because who [27:53] produces your money is you so worth my mother, I remember the exercise we [27:59] always did, that we compared the hours you have to buy that or it [28:03] ' s essential to know how much it' s worth an hour of your [28:10] time working totally. If you know this, you divide what you earn monthly. [28:15] The calculation is supposed to divide what you earn monthly by twenty- three, [28:18] but I' ve actually seen it enter twenty, but for the number [28:21] of working days of the month and there you are ok. By day I [28:26] earn so much and then before I work eight hours a day, I divide [28:29] it by eight and I earn so much per hour. Imagine that you earn, [28:33] I don' t know 500 pesos an hour or 200 pesos an hour [28:37] and you leave every day and eat. I don' t know a Hanberger [28:41] on the street that' s worth 300 pesos, because you' re spending [28:45] it all literally. So you' re creating that awareness that wow miho is [28:48] an hour of my money. My time is as good as me. I [28:53] ' m going to spend it in two seconds, without planning, because if [28:57] it' s planned there' s no exact problem, but only. Gentlemen, [29:00] don' t do that to me. That makes you more aware that [29:03] it hurts you is exactly yes as you say, it' s not that [29:07] you don' t eat the Hamberger, it' s that you have it [29:11] in your budget and you' re aware that if you' re not having [29:15] control, you make that analogy, that comparison that looks at that tiny expense. [29:18] I' m missing a piece of my work. Yeah, well, [29:22] we' ve come to the end of this episode already with these little advices [29:26] that I understand have a lot of homework. If you heard this episode without [29:30] a little book, without a word to write it all down, because you [29:37] have to repeat it to take notes and take it as a class, as [29:41] a task for IT, that is you for IT, a little gift, [29:45] so that you can improve more and more on the subject money that in the [29:48] end influences everything else of your life we see in the next Chao Bye Shows are listed from Apple Podcasts' charts and directory, and Podcast Index where it is used. Every show and episode belongs to its publisher and plays from the publisher's own feed; this site hosts none of them.