El Podcast de Marco Antonio Regil - 086: Cómo evitar las compras compulsivas, con Bárbara Serrano

Episode Date: November 30, 2018

Las fiestas decembrinas es la temporada del año donde más nos vemos influenciados por la publicidad y la mercadotecnia. Nos dejamos envolver por el “espíritu navideño”, las posadas, la nostalgia que nos produce el año que termina, y en lo que menos queremos pensar es si nuestro bolsillo podrá resistir el saqueo sin misericordia. La famosa “cuesta de Enero” es simplemente tener que enfrentarnos a la realidad, que son las consecuencias de los excesos en la comida, bebida y el despilfarro. Bárbara Serrano, experta en finanzas viene a salvarnos y a prevenirnos con buenos consejos para que podamos disfrutar esta navidad sin tener que vaciar nuestra cuenta de ahorros o endeudar la tarjeta de crédito con tal de cumplir con las exigencias sociales y familiares.  

The episode 86 is presented by Opportunity Royal, Ingresses of First World in Mexico and America

Latina. Visit opportunity royal.com m.x. The podcast of Mark Antonio Regil is a production

of RGL Entertainment and all its rights are reserved. It's December and get in the

fiestas and the campaigns publicitaries in radio, television and the media and there's

like an invitation to buy, Compr, and the Compras Compulsives us can put in

apriots very great. For that our carida Serrano, to who I've had been the question of

telemundo in a new day, that is another expert, that is a exoner financial and is author of the book Rica,

Liberty Financial for the Women, came to say us how to the comprasive

and the horrible consequences financials that this can't have Barbara, well, thank you

thank you Warkh, thank you very content to be here to be here, very,

well, you're expert in that. You do you dedicate to to assessor to people of all the levels of socioeconomic, companies, have published books, the conferences, this is your area of expert, no?

Exactly. We're doing much things in the area of financement, so me norruguelly to be able to help a person in this theme, because I'm encante. It's my passion. Sure, because, since the education financial, I always say, the money is you can't become your

poor enemy. You know, so, you know, do you know, it's in your peererreiber. Exactly. So, there's many people that no I like to read the thing of the finance. I don't know why they're going like a

let's say a good, right, to understand or difficult. So when when you're a woman and you

identifications to get a we're saying manned, like if we're all the animals, we're doing

and we're doing it's we're doing, we're doing in the education financial and it's many things

good, many things good, many good administrator of money. Sure, yeah,

and part of the empowerment of the and the liberty of the woman is that learn their finances, that not the

money to do you. This podcast is it for women's in women, but obviously, we're going to a emphasis on

the women, because traditionally it's going to be my house, but the money, but the money is a

money, and it's incredible, because the money does the money does the money, but who is the care of the care of the

the house. So, the women, the for-s- are the people, the person, the man is the

is the people to work out of Now, the difference is that the woman administers, but also also the money of the house, but not only the money of the home, but here we are, what we're

that we're administer, manage, cre, and multiplique the money of the business, the business, the money of the business, the money of the ventas, not only only so, not only in casa, but it's the world

entire, the political also, for example. Exactly. There's to tell them the women, I think we've learned and we've got to learn to when your friends,

have to be able to money. That is the topic taboo still. That's the time to talk to your family, of the

family, of the children, essentially. But never they're they're you're going to you're in

a point in a point more in our lives. That is the thing that we're going to to see to the people.

And the people are the empowerment of the women, because we know, the people we know, we

know that we know all we us come in all right, to us comeient to have to have that are empowered and that are financially

intelligent, us, it's also, we're talking about because if between women, as well you know it's not a lot,

also we're talking but between women and the good is that's more common that with the women, with the women, that's that's very normal.

But the women have to continue to learn and I think has changed much, has changed much yeah the

mentality, and I want to say, Marcos, that the empodermiento that I'm not an

impoverment of not a power to go ahead to do what you I just say now that you're obviously

compatible and that's a job for that your, yeah, that's a woman, that's

what I'm that you know, because there times that they're talking about the word of and think

you want to you want to you're doing the person, no. I simply want to be a professional

that I want to put to put to the money that I'm that I'm to put to

a life more. And that's what you have to say we we have to get to

the money and the something that I mean, I'm not of the business, about the

business, not of the things, about to create your dreams, manifest your dreams,

conquistar the world, to make the planet, be a political, be a political, to be a

president, governor. Not it's a theme of women, it's a thing of women, it

is a thing, the thing is that the woman, we're not we're, we're going to

say, one once a new a child, yeah can transform our life. So,

it's more to say, or I see the the I don't leave my home

or with a Cueido and I'm in my so that's where more the chock to the woman to get a

because they're going to just their because we're not going to but now. But today, now,

the women, and you know to know us many, that have created their new new things

from social, internet, like bloggers with some with some same with his

with his with his with his children, amamantando the child and the hand-octal

the other and doing a video and the other and auto-editand-se, and musicalizing

and it's today, today more than the woman has all the time, but I'm in the time

that's not the podcast is for all. Because it's a thing that we have to understand, understand

everyone. And in the emotion is a disparate, the intelligence because the emotion

subes and they're in these compras compulsive. And it's very important not is that we know,

in Puerto Rico they're not in the people, we're not not that they're not that not is that

they're like, oh yeah, oh, all the everybody so you want to dovert it

and want to do it and we're going to get us and we're we're going to

this podcast put our granito of arena for that the compas compulsives of December

not not in problems that can give the rest of the year

and the year that's because it's metter in deudas and deudas

and deuds is that in November it starts the supermarkets to say you

you have to buy the pavo the tiendes to you have

to buy the the the ultimate model of computer or electronic or the televisions, millions of discounts, you get into many of the time

they're going to be the parties, then you say, I have to be part of this group and and when you see if you

don't control and create a structure, you can get to get to your house to have to have to pay a debt

that you can't pay that not that's not other form, but reinanciating. That's all Yeah, after Thanksgiving or the Day

of Action of Grasias, in Mexico you invented some version ago that's called the Grand Finn, or now Google

it's promoting as Black Friday or Fiernes Negro, and every country is doing their market technique.

There are different I know of a form different. If you're a person that you can make

things, you'll use because the Black Friday also for the business is good, because it's important.

There are there are tenders that They're soverevieve only for that one's the ultimate that's the ultimate that makes

get to the but the other side if you as a consumer obviously not you're a company and then you're the

you're the you're the money and the company's got with the money and you're still in with the debt. Exactly.

Well, to you're a assessor financial and just we're just we're here here in your office and

talking of this and then why not you know us to understand to enter the entry that

what is a compulsive versus a company intelligent, who is a compulsive versus a compor that's a a coprower that

a problem a person. Let's go ahead. The Comptor intelligent is a a combrador that has a list

that makes a comparison of prices, that is a preparer before before. So, and how I prepare?

And how I'm prepared? Well, if I want a televisor, but I'm going to look the three five televisories,

that are the most things, because to buy a lot is what is what it because, the more

it's done, and if the company no has a policy of devolution, but this is the money in the business in the

immediately. That's very important. So, all of those things, a comprador intelligent, it will be

doing. The Comprosive, what is to satisfy a necessity or an emotion. And, and all satisfacer a necessity of

an emotion, will be to buy to buy for satisfaction and power, or will buy to

because they're in depression and will want to want to that's to make that

that's that he you don't take. And not it takes. You do it. No, you create another depression when you go to the tariff in the tariff of credit. Sure, exactly. Exactly. So, let's understand. A lot, we're going to find, no research or investigation, no compare, no, be politics of devolution, no has a plan B, for if at a case, what I'm going to buy. The compulsive,

he's got in the check. And before to have the check in the hand, yeah, he got it. Yeah, so it's a lot. So it's, it's a lot. So it's So it's what you maintain in a cycle of poverty. Because there's a poverty mental, there's a poverty of habits, and then we maintain endeudedos, working not only for who has their own company, working for a company,

to help you help us to create a money, but then go, if you're going to pay in the corporation, in the other corporations. In other corporations. So, then you live, you're giving to the money to the rich,

and never does your own fortune. And, and I say, to me, no, that I don't have how to earn, what is what is a an combrador intelligent, a comptoproar

intelligent, also comp with with a new cashet of credit. Because if you do you can't buy it, because if you're not

you're trying, finance you to the $12 or the 15% I think that's a car because it's car because it's

carissimo, you're going to pay that article seven times more. So, I think the the comparator

compulsive, what he does is to buy for emotions. not you have passed to you that you're that's sad to be, and simply you're

simply to go and you're or the I'm it's a great thing that I think would be a rarer I never have never had been compulsively.

The thing is or to eat compulsively, etc. But not is that you pass of the people that people who live that's the

that's the can't be one of you can't because you're conscious and you do you do in food I do you

when I'm when I'm going to I'm going to do this company I'm going to But the emotions

can change the life the, the legions because I'm the money, the penas when I

did I'm when I'm those things compulsive. So we're compulsively when we do so

for a or for stress? Or for tristesa? Exactly. Alegria and for

that's so what the important is to recognize that not is not the joy

and the truthes is a question of a question of because if you

you think how time it takes in gany you get you And in five minutes, you know, that's what I

do you say, I mean, to do you know, you know, you know, you know, how much it cost to gain this quantity of money to come to a pharmacy or to come to a any time?

No, I'm more my time. I prefer to put it in my account of a borrower, for I, at the final, that is what we're doing more

time, is to buy more time, of soceo, we're able to be a life, obviously, without any without any

to have to dodo, and they're different. Exactly. Yeah, it costs Tonto

time. We have to have to work to work to work to get to get to

get to get to the other and the other money, he said, not important

money you want you want you do you because of what you're doing that's getting

money if you do you do and the impulsive they, they're

they're not they're they're and for example, I'm when I when I

want to pay the I'm you to you're not you're not I'm to you? How is your

prestam? How do you pay you to pay you? I have a small. And that preestam, I don't fail, because it's the mine. In the other of the bank, of the, of the, of the, of the targetas, if there are some, those are those are the secondaries, but the people don't understand that. But the, you know, we're going to pay them. But you have to pay me with that same discipline. Disciplina

with whom I pay my house is the same discipline that I'm paying my account of borrow. Sure. So, so, pagartes is to earn, is going to keep guard money and not that you're going to to have in the bank for the bank is that we're

not we're going to pay good interests. But yeah, if you know you're not you're your own own

your own your own business or do you do that's because your good work your will be done

with the money to do you so you're going to to make a that you're that you have the capacity

of the you have a opportunity and finally they can do a transaction can be a partner

or can be a bank and finally you can do you can do you can't do that time for you.

But the that's compulsively not there never has nothing to have been not aftar.

Because you're buying in pagas in paces or you're the targetas in December. No, the

targetas of the compulsive, I don't want to because I've been enough

and always they're at the limit. Those are people who are the time, that don't

have a structure, that no have a structure, that no have any the capacity to pay

the debt to pay the credit is affected because that. What you want is to get the cheque, go and buy

and the Naviatives is very difficult for them. And there's where the money and you're like that's infelicity,

you know, it's stress. Exactly. You know, you're in undudadissimo, so you're stressed and you have

to continue and working and working and working and and working to pay a style of life.

But it can the the comprador compulsive can be to do, like all, like all

a trastorn is a trastorn, is an an addiction. Exactly. The first at that's the other step is accept

the responsibility of that I'm this problem. And one of the responsibility, then what is the path? What is the structure that I'm going to do? Of course. If no control my own little idea, no, let's say to Mark that me control me, understand.

Let's make a little pause, and when we'll go ahead and we'll govents about the theme of the compras compulsive, and what are the passes that we have to take? Because, obviously, we're going to enjoy the festas. We're in December, we're going to

We have the festas. There are people who we love us and we want to do some regal or eat or at a more, to morn us some vacations, if it's possible. We don't want to say that no does anything. But how to survive these fiestas,

how to be financially-intelligent, how to avoid the compas compulsives. And when we'll come back. We'll be that. Barbara Serrano, is with us. Hello. I'm Mark Antonio Regi,

presentator of television and conferencist international. I want to share you that your style of life can start to make sure. Imagine to passer with your family in an auto-de-lug. Imagine to convivir with your family in the

house of your dreams. Imagine to be a newewo to your own your own of your own your own yourself. Tener the interests that you've always have been to manage your time.

Your family is the most important in the life. What you're going to do the opportunity Royal. Opportunity Royal. Ingressors of

First World in Mexico. For more information about the Opportunity Royal in Mexico and America Latina, visit Opportunityroyal.com

M.X. You know, the first and unico-suivance of origin vegetable, live of ingredients of origin

animal? Ensoen a suavisante with aromas uniscus irresistible. So, eliminate the olores

difficult, dandotte the softiness that your role is you. We're inspired you. We're going to

the podcast of Markuantone Regil. Barbara Serrano, expert in finances, assessor financial,

is a right, right that about you about you that the compras compulsive

are just just a trotron or an addiction, but here in the podcast we've about much

of Tristons and Addictions at level food and Trastornes and addictions as a level pensations. There's food toxic.

There's also in the finances. This is exactly the same. Exactly the same. And it's

when you say the money is a bad. Or the money no me can't for example a month of

debt. All that starts with the energy of the money. If you you're

about the money, you just you're you're with the energy that we give us

money is very important. Because there people who say, because I don't think I'm because it's

for that you know that's not that's negating to that energy of the money. So, that's the

problem. But if a woman or a man has habits financial and positive, they're

going to be basically perfectly to be to start whatever business that in their

business, or whatever something in the thing, the only that is identify

all the two habits that repetitively we do we want to say, I mean, I'm to know it. I'm going to to know it and validate. Lever, like a new financial.

Like, you know, a dayer financial. So, if you're doing a lot of compas compulsive, for example, if you do the cargetes, if

not pay the factuards a time, if all the time, all the months, you're going to get to get more of the

count, those are things that is like, very simple. If I'm, I'm more of what I'm, if I'm

more of what I produce. Or if To be paying what I'm doing what I'm going to do something I'm going to do. And if I use, Marcos, the targeta of credit

is like an extension of my money. So, so I'm going to be a little dollars, for an example, and my target, I have got $500,

I think in my mind that I have $1,500 dollars to get to. No. But not so. So those are the first things that one has to

when I gottes in the targette of credit. Sure, that's what the the chargettes to make you You do you pay, that you use and that you're in deudes and that you're

paying the minimum, you know, you know, you're not, you're paying the total of the targeta mensualment? Yes, yes. Okay. Yes, is so. So, the important is, to start an exercise of 30 days

of not contrared deudas for out of the end up. If, in best of thinking, I go to the cardet of credit, I'll saldo, and in three months I'm going to vacations, you're getting a debt for the adentado.

When you get to the vacations, possibly you get terrible because you have a debt with an interest very great. Now, why not I'll say,

I'll say $100 every two times, for that in December I have 5,000, $6,000

for a let's say to Disney with my family. It's that's another form to think. It's a

habit of negative of to buy with the card to start to start and then.

I remember when I remember when there were there's there have been in Mexico recently, but when I

were a new, Mexico, is much more more more than we pass we we're going to

a $2,000 to $2,000 for dollar and I remember that in a December that there was a devaluation

horrible, like my attitude and the of my time of my money, we know it no matter

in the we're doing we're doing we're it's like a kind of maybe a kind of

like a a borrachera financial like well I'm going to let me go over

and then God Proverer and all exactly And this mentality not you know. And God will provide

every when you're going to work. That's the way that the people obviously don't know. So,

sometimes we're people who are people who are people who look at the reality, those people that are people

not is gain more, not they can get much more, is controlling and administer the money.

Because be rich and necessarily and abundant not necessarily you need to more. It's simply

to have to get to get and make a person and make a

that Presuppost. Because a person easily with $3,000 depending on the localization that's the

can't live. If you can live, if you don't have money, then you have a $3,000, $3,000,

you're going to live well, you're going to the localization always when you don't have a time.

In every country, in every there's a different. In the States United,

it's more more car living. So, you gainas $2,000, $4,000, $4,000

$4,000 $0,000, not it to get those and gettals in Mexico or in Colombia or in Ecuador. But the theme, that is the, as well, like, grabmon us this. No, it's not to gainer more money, although nobody is saying that no

we want to gain more money. Exactly. It's about how I'm going to goasted a lot more, it's a regla tan basic. It's of the administration. And there's to convertir the habit for 30 days, like all those habits, like the food, like the re-buchar,

like all, You have to convert it in 30 days. If in 30 days, for example, you go to a a tinder to a department or wherever you,

a time, you do a product, and you do you want to do you want to do you? It's per no less,

to 20 to 30 days. If you needed that you need to you're going to get to go back and

you're going to buy it. It was a car car compulsive, and you just you're just what you

had a promo this month in CNBC, one of the canals of the shark tank. that is a program that I'm

great-eimps. And yeah there's a version Latin American for the most in Mexico, in other countries they're doing their own own

these own these own these own those people are a class of a class of financials, and it's a

wonderful, no? The pelonsito, the most d'allis, it's the most not, but he's, no, inviartes

no, inviote for emotions. And just exactly what you're saying you, I said, I don't say, I'm,

I don't I need to buy it. And, before to buy it, I'm going to the question. Of the really I need

this? Of that I'm really the value the money. I mean, I'm really the sure.

That's what I don't know I'm going to I'm going to I'm going to. And it's you have to questionate.

You have to question for what I want to do? Really, I'm trying to

a good product, really really me going to serve for what you

want to when you when you're in the in any article you I'm

talking you're But from a DULCESE Let's say that are 10 questions that are you

going to do after these questions if three or you have to do you know the proper

evaluation but if these 10 questions you say that five is a one move forward you have to

move over you and you go ahead and you go back that's a thing of the money

is that the company we're not we we're we're things different

sometimes sometimes all the things the classic, is that is that's, and boxes,

and dress, and makeup, are their little bit of those people, those people that are not, those people,

we're doing, we're like me, the cameras photographicies, well, I have a equipment.

All the technology. So, my camera photographic and my lens, I'm a photographer professional, that's,

all the technology, all the television, the plasma, the systems of audio, are the systems of the new,

the new, iPhone, and now, apart, the technology you're going to to get a new computer, the new computer, the new cellar, the new camera. All is like desechable

and you're selling that if you don't have, the urgency, what they're being is the urgency. Then, one can't in the urgency, the is like the Black Friday, the, that's like, that's a, that.

That's if you don't get to buy that article tomorrow, you're going to get. It's a lot. And it's a, and what we know we've talked to us

earlierment, is that the second the next week of December, the next week, that's article it will be to be

a lot of that's a year. And if you expect to this Nero, that you have all the

inventory, basically what is very little, also it put it much more more than the

money. Because the those who have the pressure are the part of the fun of the

part of the really, of the really, is that's sure you want to you're

really, you want to do you do you know, that all that all that's

the world put the financially intelligent is to buy after the first of January. And then you get to be used to

this situation, I don't want to do you know, I want to pass a job, yes, and then after two or three times that you

do you know, that you've got that you find out of a coupon of 50% for here and the other of the year,

that you that's you're going to the article, never more, you're going to never more, because there

different options. Clown, we're we're doing things. Well, let me more. Tell me more. Consoves for disutal the fiestas, but not cavern in the bank

rot. What other, what I'm going to do with these fests? Well, another good is that one of the things for the compras compulsive is that we're so we're going to give to give them,

and sometimes with a trotet of credit. If you're going to give a cardlet of credit, you know, you're not having the money to give us a

dinner, so, where all the family apporte, each one, basically to some part of the food, in instead of

some of the , I guess, the game, I don't know, in Puerto Rico they're saying, in Puerto Rico, but it's where... The interchamble.

The interchamble. Like the Like the Amigo Secretto. The Secret Santa that they say in the States. So obviously, in a festival

in Navi-N-N-Vietta, all the world has a regatta, but not it cost to. Cree in things of art for the family. What the

is that we're so that we're going to say, well, Barbara, this not will be be to be for this is for only to understand

that's that in the 2018, I I've seen this podcast and I knew I'm going to say $500 dollars with my

family. Not is that they're going to do the whole of the year, it's to do you do it all the

year, it's to understand that they're having the habit of to be able to get a regular, and this

is the last years to do you know, they're a single a person, or you know, you know,

to take to give to give you a rift Santa or the gameito of the paperitos,

you're you're going to do the a gift to a person, that person no knows who who is a guy who is

a top. So, I remember that to get the time of the money, the top I think is 20 dollars in the family.

So you're you're doing a gift of $20. And as the is the regla, nobody gets bad in the

family. Of that you're going to you're going to say that's $10 or that are little are little

and I'm to buy. I've got eight sobrino and our families Latinas

that are we don't know. Exactly. So imagine even even even multiply it for the

10 the eight children or the eight children and the abelita and how the little bit and the

little bit of the little bit and the time you're doing you're doing 15 regalalows the game the paper

of the thing you're like you're very intelligent exactly and obviously the thing of the alcohol in

the navities how many people get them between two hundred dollars because

seminalal you have to be coming a bottle of wine because me I'm I'm

marred for the that's that's a thing that can get around the

the cost of the cost of the partadit in the and the regalitos and the bottle of water and the coffee

for the morning and the coffee, I did some I did some study with a styrical compared with a group of people who and those

those costs of ormigas they can have to be able to $6,000 annual. Imagine that that they're being being $500,600

dollars that can go to your account. In the money of the country those who are

out of the United but it's much money. Compra ormigua the that can no it's

it's like enter and No, no, but fifted how many times we're in in Mexico, that exist in the

posals, no, that's the pastes of the family, of the family, of the people, and you do

a veryuancy and you're and you're and you're making up bad, and what you do you do you do?

And what are you're not, you know, you're using, you're doing you do you do those, you do those

you do you those does like that that could be a question, not to be in Puerto Rico

is like when you're like when you visit a house that you know you're going to get a

little bit is exactly the same but that you're to affect to your bolstitch and the

person and the person rich, no does nothing different one says wow, but these

are such so basic and Marcos is a concept basic, simply you have to

not get and to be not to get to a account to the money

necessary you're going to put in a position of a advantage and you're going to

invest in other things, because as you said, no we can't leave in the bank. So, you're going to be able to prepare it because you're going to feel with force. To me, the force that me does is to have a account of aor, a account of retina, a count for my and kind of to have everything.

That's the force. To me, no me does satisfaction and not me does power in a comporcible. So, one of course you you have that overrower in the account, you start to invest and you start to triplicar the

money, and so is that that's construct the of the property, I'm obviously

to have a lot of a product that's that you're that's you're in the way

that you can't you're in the way that you're not necessarily you're going more than what you're

doing it is simply administer better and eliminate a lot of that you have a

many times there are much things that can't eliminate because in navidates is a family

so you you're you're going to you're you're going to the fiest of grace, you can't

share the food with all the family. There's much things that you can't make a pause. We're going to a pause-to- and when we're

when we're going to talk about the time of the family, I think the most most beautiful of the Navi-Navit and the

Hanukkah and the fiestas of the time. But also is the most delicate, it's the communication with the

because a more someone says, oh, is that my family not do you say, no, peteram

the time the topic is the endoderation and is that we're not we're going to be when we're

some of some consign of how to open that conversation with the family, because a

it's a taboo to talk to be with the family. But how can do I'm to do that

the end of the family that the final of the day they'll benefit to us. Hello, I'm Mark

Antonio Regi, presentator of television and conferencista international. I'm

want to share to do you want to start to make sure. Imagine to

to be your family in an auto deluxe. Imagine to conviv with your

family in the casa of your dreams. Imagine to be a new new your own new your own own

your own. Have the money to be able your time. Your family is the most important in the life. What you're

do the first pass and the opportunity Royal. Opportunity Royal. Ingressors of the First World in

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visit Opportunity Royal. com. You know is the first and unico

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So, eliminate the solvety that your robes in suenio. We're inspired you. Continue with the podcast of Markuantoneo Regil.

Dicembre and how to avoid the new year and for the rest of your life with Barbara Serrano, aessorra

and author of Rica Libertat Financiera for the woman and for that want to learn for the How I'm How I'm about

I'm talking I'm in the personal, I do know that where I'm not quite I'm sorry I'm Mark

Antonio, it's with my family to me ven't Markito you know no no no no

no no no no no no no no no no no no no

no no for favor so so so so I'm so I'm how I'm how I'm

the conversation financial with the family look I've I've been

that's that's that I'm sent out to talk because They need like the psychologist The money

is like So, the first that I observe is that when they're going to talk to the family is because you

did this because you did this or other. You, you got you got to you got to

you did you remember. So when you're going to start to the family you have to be

you, I'm I feel that in best of your mark to have you've

bought that that camera possibly those 500, 300, $300, $150,000, $150,000,

we'd have used for this next vacation that I'm going to do with you in March. But there, I mean, I'm going to because to be, to me, is to make responsibility.

It's to be and to be your time. But there, but there's always started to talk and me quit after my

camera, and you, I don't know. No, but we're going to start as obviously. It's the other

person has to have to have to how I I'm going to and vice versa. And I'm to ask,

I'm talking in a couple of obviously, I'm going to get a husband, or the

husband, or the thing is it that's that's a cost, that's that's

because if no, 90% of the divorce is for the money. And we know,

so that's he's written all the statistics. So, so I'm not, I think,

I think, I think, I'm sometimes in my conference and all they're to get

to get to a one and I know to do we're and we're dating

today and I'm saying how you you're going to how you manage your finance because there's not going to be so it's very

aggressive but in the the way of the relationship before the even with his parents there should have

a conversation in general of how they're in general when you're not to enter in a disadvantage with the then so I'm

so I'm sorry I think the first is about the I'm of how I feel in

to the money. Like, like the momas the first that are the first that

I'm not I'm not money to when you know you're you're you're

what you do you can't you don't don't have the money

because I don't don't have I don't think a need a in a

depression in when all the money because all the

so every every one you know that I don't have The contestation should

say, how we could buy us like that's my mom, mom, I want to put it like this. Mom, I'm

like you know because immediately you want to do you have a mind to make a person to because he will

say, hmm, I'm going to my abel my wife, my mother, my little bit of

my my man, he's going to be doing, he's going to I'm going to, I'm going to, I'm going to

his bank, he's doing he's doing he's doing he's going to be able to to pay the predile

a entity or will have the four partner that will be able to do that he wants to get to buy

some a little to say that's like to give us to give us to give us to get to

let's make to make a project we're going to I'm going to get a this bicoch this bicoch

we're going to do you're going to make you buy them so packets for then you're saying you did that exercise with my

year for three years She wasrava $300 and $400 The first two years Firmes to see us The Annunciation not Pagos.

Yeah, I saw No, you know, So, she wasteser in seven seconds and a half But I was

But I was Because she It was her It was your Dottes Arras And I'm going to go toyseross And I'm

Because I'm going And you Valororor The money Yeah, you And this year, what

I said I'm going to I'm my clothes, but I want to earn me 100, to be to be able to get a bit of a bit of

So you're going and you, and you too and you too. If you know what you do you can't do you, do you want to

do you need to produce it. Exactly. And the the little 10 years now, Marcos, but the

that doesn't know they have to do that the same way. Okay. What the is going to do you're doing

with a money, and so yeah. So, okay, that's perfect with the kids.

Now, with the I'm to have to have to have to you know family,

we'll do a cause a every every I don't know who did it to make

a good idea of this instead of getting to get dollars or millions of or what whatever is in redalos

why not we make a single single for every it's a part it's an stress it's a stress because a

me me it's a stress for example this year this year I go to my caridissima and her

beautiful prima barbara Dutokaya Barbara DeRah Barbara of Rakeill he said Prim-Rour come to

the house and I see And I said, Of course, And I said, Yeah, yeah, we're

we're doing, yeah, you know, yeah, you're going to you're in not because not because I

know, because I'm who you're and I'm so I'm not I'm going to so, but it's,

I mean, it's a custom that's a kind of because I'm that I'm not come up, I'm not,

I'm not, the time of the family is the first thing that you're to establishes in the

family is to forget to the excuse, Mark. And there's my mom is a person

that was CPA, that was that was made to the numbers, to the presupposts, contadora, exactly. So, she was taught me

to me that, there'scus, there's a day of the dollars semanal. If you, you, if you

got to do the money, so, no comes until the yearn't. Your mom is with

you were to do and it and it. And it can't learn. So,

so you can have to get to the excuse. Because the the one is because it's because

you know a projection or something that has been able to resolve in your in your life

with the time and there's and say it as it's transparent. About the things. Ablar the things. So,

not in the finances not can do you know how it's a because nobios and casasas and you start,

that is Navidate to have to make a realal or in a for those that we're not even

we're not time. It's the anniversary or it's the cumplaos or is a new year

and my newio to be a newio to my wife and my wife and my husband. And a Sometimes I remember that I've lived the

I'm going to give you regalar something more baratow than what she has because I'm going to get like a taconio. So how about that? So, look, the woman is a little, in the theme of the thing of the regalos, like, never is clearly in what they're giving. Right?

It's like, it's like, it's always is looking. It's horrible. It's an idea, I know, I see. It's a stress. It's a stress. But, But, in the I mean, the way that I know I'm

in the things my financial the thing I'm the real thing is the that's the thing is the

you know, but it's more simple, no it costs that's much depending the the woman too,

because there's one of the but the thing is the thing is the thing that's the podcast no,

don't you don't you think we're I think we're I'm a public more, they're and the planet and the animals, I think.

That's who's who you know what I'm going to say, in bed of a carterer, possibly a experience between the pair of, be more linda than an article. Uh-huh. To that's what I go. So,

if they're going to be more economic. Yeah. A me, for example, when the people me had regalado a target that says, plant an arbor in your

name, to me, I mean, I used a lot of, so I did a donation. I said a donation. Diffhapue

that's a word, and you're saying, Or me They're They're a box A ballerger

of a Arrackett With a With a Aftorati Or he's To get a to come to

a person to come to My name And I'm Just the And I'm just The real Mousous

That's the More beautiful That's Because Because they're Because they're Alignated With my

And I No me I'm To me I'm Can't A Magererer

M M But that's I'm That's I So you That's So you

So you For me It's It's a For me It's a I think the finance is, it's,

it's, obviously, with a bit of and the people me say, no, because at the more you've you've got to make sure,

you know, the origin, I'm going to know the one of the one's going to know, because you're

going to never that they're going to cover, I've got to cover, I'm there's, no, there's

never, no, there's, no, there is, what you want to say is that the origin of one comes,

no, you're, is basically to have clear what one has to have to be to be able to

get to be to be able to the origin, that's right, that's... more because your car no you know you

and when I say your your humor or your attitude not you do you know very serious exactly

so when we do that we need to have to always some chistercett or or that you

get to you get a person is a person's and then you obviously it's

that's it's a connection and the energy and for there are going to

do have your so your question so you so your

question of let's about and we're of the money. We'll talk about the regalos,

we'll be the the fugue of our money, let's we know, because if we're not we're prevening, we're going to be able to

be able to but yeah for a divorce or for a problem great because we're going to do you. The worst that you

have to be the money in a court and the 80% of the women that I know know that I've been able to

always seem always sound perjudicated yeah always unfortunately because possibly never attended

the finances because said my marido is in charge of all the whole, no has made to say, you know,

you know, you know, you're not you know, or he not did do you know you're not assuming the

responsibility to control your finance, even the finance were of the two. So there's a, the game

between the victim and the victimario, and no, no, I'd be a certain from the beginning of the

family, and it's a thing that's a matter to be to be to allow to for me every six months.

In Every six months, one person can't lose a job, can't move in a person, can be a change transcendental or you in your family, and you're going to

to be able to see you're more more poor? And for that there's a victim, the victim has to permit it. Exactly. For there's a victimary,

the victim has to permit you. Exactly. That's a form very educated to say it. There's various versions grosser that

I know. Exactly. Every country has the her, but we're going to say it. For that you say, you

have to make a victim that you're that you're that you're to get a time. You have to

get a few minutes. But then what so you can't do you guys? So, what you can't do? About the

other? Concegos? We can't make in practice during December or the first months of

the year and that we can continue to per me to make a rest of our life? Well, now

in December, the most basic and the most basic that you can't is create

the person and you have to have a top maximum. So, the

Presuppist of December has to have to be in the top of the top of, then you're not going to

respect to your finance. So, not it's to be a bit of a money.

How do you do this what I'm a new things, this first is the process that that's the

money, so you have to say, I'm going to say, I'm going to pay the money or

the time with the time with the time to make to make a decision. So, so my

prima Barbara, for example, I'd have to say, well, Marko comes to to signar,

we're not to not go to not go to be not even to make a lot of I'm going to do a market or five pesos

we're going to get to make a rancor and I'm to do that do that's the same to go to

get to my family, I go to get this I'm going to buy to a proposal. We're going to say that's

the two dollars for Marcos then we're going to give us a postal and I'm going to put a all

the family to to sign a postal with a little, and I'm to do you do you

do this a good and you do it's not a better than a lot of a time

that's a new but you can't take that those dollars. So,

not you have to have been obligated. And if that structure you're going to pass

a navidates spectacular because the navities what we do they're doing that they're doing

to get to make the we're we're we're can't have so

the fiesta, you can't end up going to much. So,

so I think the thing you're going to get to go out of those and they're

to be a new that's, if you know, you know, you're to give us money or

a gift card or a card, a card, a card, a card for the value of that that

person go to when the super, super, offerta, and there that person

eliza I, so I'm I'm, I'm two examples to

I'm, I took, a an employee that her husband me said no I have to give to

give us I'd like to give him I'd like you can't give one or two days of the time,

payos so that that could be there to be to be that I'm so I'm

that I'm to go to those and she did she did she they're doing so that

those are you're to do you have you're another of the thing I when you're

when you're when you're so you it's like it It's that in Mexico and me chocked, it's like no, no, no, no, me I'm just so, me enchanted. I mean, so, what I need to, what I need to, so, what I need to have time with her, obviously.

So, the other was that in one of the companies, to stimulate the arro, what we did we did, was like, all those days, all those employees, all around 20 dollars, and that pool of money, mensuals, they'd give to a employee. So, I mean, I was going to say,

at the final of the month, those 3, 4, 5,000, depending the quantity of the employees that are, those 5,000, they were in your borseal, that month. But the next year is to go to the other employee. The next year is to goreys. All the world was... And it's marvellouso,

because at the final, you've got 12 months with each other and 5,000 dollars in that moment where I was for a one sole employee. Okay. So, what was... What was the idea

principal of that moment? The idea was that if you could be If you have 20 dollars semianals to to earn a pool, you have to do you have to do you?

And you recommend you just to do you? Between parraises? Between pairs or at level personal? But between

parages, yeah, for the other people? Yeah, between the one has to have a individual and

have to have one in common. Okay? For effect surprise, if she has to give you

want to give you to give you have a effect surprise that not not stay in the

same account. Yeah. And, so. You. You've got to retire

$100 $1. Where And I said, you, you'll buy a gift card. Here is my Amour. Exactly. The woman,

I'll buy unaccounting my life. Exactly. Ah, that's that's in person. I think in Puerto Rico

we say that we can't put all the little eggs in the same canaster. So, so I think you know,

you know, you know, you're going to get a portfolio of money, and all the world,

yeah, yeah, for the word portfolio. And you know, is diversified. The portfolio. And that's

another That's another topic. That's another that we're going to about that's about that's about to start

some other other than you have asked, or something you're to get to get to get back the compras in December,

in the fiestas or in any moment of the year? There's to learn to get to get to

get to I think the bests and the bests of family and entertainment is when

not they're because you know, you know, you get to your house and when you when you're

to be you're in order and if you see so in a little time, you're going to to be in a moment

of abundance and prosperity that you're going to be to be able to think you're going to do you're going to do you. Nothing is

so much as being as co-ex. You know what that you? Exactly. That's the satisfaction more

great of your power, that you can't pass a family and you can say, I'm sure, I'm quite I'm

thinking a fund of emergency that I can't live in a year, so in best to get to do something to do something

to do something, and do it's for doing a fund of emergency, it's a few months, it's a piece, not they'll put on a lot of very anxious,

very aggressive. And then you'll be a lot of going to start with nine, with 12 months, and you know, yeah, you know,

the habit of having a finance a good, so how, since, in January, we're doing a podcast

about the next year? How refinancas the debt of the new days? Exactly. And how,

how, how, how can, because many of the metas that the people I think one of the one of the

most common is I'm, I'm like I'm want to work my own my own own my own my own

my own or know about or know two new years. But there what we're about the the

the present. The the present is a thing that has a lot of obviously to do you know

in the other. In the Nenos of us for you do you know to help you know where you

can find you your book WRVVVV Arvara Serrano. and I'm in Instagram also Barbara E because I'm Barbara Elizabeth Serrano

and Barbara E Serrano and Facebook in Barbara Serrano and Facebook in Barbara Serrano and in the episode 86 in the notes and are you don't have to note or so they'll they're going to click and we're going to put

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a moment our bulletin so much thanks, Barbara for having us oriented Felic Hanukkah

felices Fiestas, Fless Navit. Felic Day of Reyes Mayos. And a A bravo with much

love, I'm going to be a big time. A lot of great for Puerto Rico for your people, that the things are going to

even to be able to find out of this talking about about about independence financial. It's a thing. We'reg. Because yeah

we've seen what the person, not always the people in the power is to give to give to the people, what

needs. Exactly. It's not. And thanks to you also to be very gladysied to me.

And also for Mexico, because Mexico, Puerto Rico always has been the United. That's so And that's all

And that's Always Thank you Thank you Barbara Thank you Thank you Thank you guys

Thank you guys We're We're We're together