El Podcast de Marco Antonio Regil - 252 - ¿Cómo lograr tus metas financieras? - Moris Dieck

Episode Date: January 9, 2023

¿Este 2023 quieres mejorar tus finanzas?, ¿Está iniciando el año y ya estás sufriendo con la cuesta de enero?, ¿Quieres ahorrar y administrar mejor tu dinero pero no sabes cómo? Para ayudarte a empezar el año con el pie derecho y definir tus metas financieras regresa al podcast nuestro sensei de las finanzas, Moris Dieck.   Aprende a mejorar tu relación con el dinero, en mi clase gratis 👉: https://marcoantonioregil.com/bienestar-pod    Sígueme en: Telegram: marcoantonioregil.com/telegram   ¿Quieres llevar del podcast a tu vida lo que aprendiste esta semana? Descarga GRATIS el ebook que te ayudará a lograrlo. Da click en marcoantonioregil.com/aprendamos    Sigue a Moris Dieck en: Instagram: @morisdieck

Grand Fiesta American Monterey Valle Presenta. The finances not is a recipe magic, is discipline and constance. Karens to be how rich us does poor.

Cortalos. The finances, in reality, no is other more than than you're not than you. If the

costs, you know, you've got to administra and reduce to the maximum, no, there's got

more money. And there have to abunded the money, that not the

is going to you, it's because you know it's because you need to understand the game of the

money, but of the money and it's going to be it's much that's a reality, is newantly

to get us to the carita, salerns of that tawura mental, I want results

different, I'm going to think to think. No, January, no is the month

to get to the cost of enero, to get clear. I'm to get

courage. I'm to get the M. of this reality and for that

of that to dedicate to learn, to educate me, or do you or do a full of a day of the time. Exactly.

To get me to get a life that I'm like. In this initial of year you put your metas

financials? If not you've put this podcast you've comevien and if you did you

put this, but you did you do you're you're not you're a better than a good

relationship with the money, start of getting to get to get to get to

get to do this episode to get to this this is the

Hotel Grand Fiesta American in Montereyne, New Leone, with our beautiful in vivo, we're listening. Episode 252, we'll start. The podcast of Mark, Antonio Regil, is a production of RGEL Entertainment,

and all his rights. Writer, a conferencist, and instructor of courses and matters in things related with

the finances, Maurice Dieck has a assorated to many of people and businesses of different times of money.

In your podcast, Dimes, and Villette us bring information, entivists and tips to make that the

money to play a our favor. Collaborate also in the channel of YouTube of expansion

as a coiffure of the money night show. Maurice Dieck is in the podcast.

That's that's so. That's beautiful. That's beautiful. Pure a person

with your business on your money. Oh, Marko, if all you

don't all about to talk to talk to the other reality

would be not? It's that you that you would be to give us to

give us Well, practically what we're going to to be able to not a or right but in some months or in some years are going to

say, oh, yeah, I think Marko and Moris, if I'm really got married money. For what we

were doing cotorreying the day of day of yeah. Well, more than I get it. Sure,

because, if I'm a little, a pair of a pair of a bit of you're going to probably tomorrow

you're going to probably tomorrow that's not that, Marko, the education financial is a long-placement

plasso and our patrimonial, and the help us to our children, for much time. So, that's the

good education. And if we know it in the school, we have to learn we need to other.

Like many other things in the life. If the system educational is a bit of kind of

quite a but here we don't come to queharned of the government, but to see what we

can't do we're when it when it's a new step, it's a new step,

and the metas classicas, some are with sub-sub, or back to be a big of

another, other's, to be a business, but many of the metas have to be with the money.

The typical not, uh, to be able to do you to get a lot of the people,

see me to be a but I'm going to wait a right, right, let us get us

that's if you're planninging your year, a year, you're bad mal.

If you in January. When do when do the companies to the planiation

annual? like three months before that's the last time. The last the year. November,

December, yeah, December, yeah no, because it's practically all over. November.

October, November, are the months in the money, not just financially,

the the objectives that are in the new for the next year. As we

we're people, November and December are months on months are months

financial we're not there can't there reparted of

utilities in general there are in in the Get a lot

that's a series of and we're in we're doing a not reactioning to what we're in an arthur of we're just in

we're in the coast of enero. In the famous quest. And we're we're going to how we get us this moment

well, well well, well, we're going to we're going to a lot financial. But,

a be, no, no, so me preoccupy the people, in the the best of the planiation

has been before the time the year, but we're we're going to do that's not exactly. The famous

Cuest of Nero, that not is that I'm like, I, I'm, I'm, I'm, I'm, I'm believe. I'm, I'm, because, because, justly, for lack of conscience financial, because, gastas, gastas, gastas, but because it's important to put us metas financial, and me would like to define us and give us

examples of what is a metta financial, no, no, an intention, or a dream, in a meta, really. I'm a lot of this, I'm going to be two paths to, pardon, right, entremes this time,

because it's more important than never, that we're talking that we're about this, and the reason Mark, is

probably many people have been, those who are in the little pegged to the news and the environment

macroeconomic that we're that's a typical. A bit, the last two years, we've been

of the pandemic, we've got to understand the last three years, it has been times

in where we've changed much, not only the form in that we

we've performed how has managed the world of the new things and the economy

probably have seen the things of inflation that's been the word more important financially in the last

things. We have inflations atypics that normally Bank of Mexico, that is the

entity that is the thing that it's in a 3% but we have been going to

eight or nine percent and in in Nero it's recient a little more,

Marko because in in Nero in fact part of the Custer of the sub-up

Precious. In the brink, well, let me, let's go, and ches a little

out of the supermarket or for the company. And probably probably I've seen that the things are

a little more more than in the year. In the year, it's a change that the

capitales of interest, probably also you have seen the Fed, the reserve federal in

the United, the bank in Mexico, here in Mexico, then, then they sub-in-

to be the tax of money, not they don't let's I'm talking in Chinese. Surely in much of this in the news in the

news in all parts. Sub in the tax of interest, probably have seen the cost of, for example, credites, repotecaries, cargetes of credit,

credit, personales, well, and this respond a little to how the bank centrales and they're to be able to

the inflation. Mark, no has been a functioned. The reality is that no has been done. The reason for

that no has done it is because in the environment inflationary that we have not respond necessarily

to an amount of offer of money, let's say, that's very easy, you can't you know,

you're in the tax of interest. The reality is that you see you've the map of the world,

the majority of the countries have this problem. I've been to do some some days in

Germany. There's inflation is about the 10% of the Great, Britain, is

10% so. It's a thing of the world, the world. It's a thing of

the world that has been to be with the reactivation economic has to the

theme, inclusive of Russia and Ukraine, even the people not the

people don't it's not the price of the money, in the price of many products that

that's done of this conflict, because they're being affected. The can't be a lot of things,

Mark, that this problem probably probably will be to be a bit more to be a

20, 23. For that's important to be about to finance. For if no,

for you say, and again again, say, no, sir, and gentlemen,

don't attention, because this they important. So, entraned to 2023, Mark, it's important

that we're talking about about the money. And right you're talking about about the metas.

I mean me chocken. Ah, the famous uas a lot of the new, no, but yeah,

to be to be going to start to start a to borrow and that, a bit, how many

of these things, comeles, the net? Entra to the gymnasios the gymnasios papiados

the first months, and how in reality the people do this? you want

a meta financial tangibilize it's a tangibleize how tangibilize a matter first that

does it write it write there's there's that when you know when you

you're an 20% the probability to do you because Moritz is art of magic

no you're you're you enterrando and enterrando in

your incociente and if you not do you don't you can just

it's so well, what is what you want to have a money,

to buy your property, to buy your property, to buy your an auto, how is the car,

what is the meta of what is the cost of you know, and make your objectives. I'm a

real credient to the visualization. You like the visualization? Obviously, the

people would be a habit. I, for example, this I'm I'm

before, I'm before I visualizing, taking exit in the conference. It's a

little bit not really about. Visualize in that you're going to do do you're going to do you know about

the thing because the things not obtain for art of magic. Sige to adderisarlas and that

is to put to money, how do you what's what means this that I want to

not more a idea when you know when do you when do you do you when do you do

six months six years one six years six years is a a matter of

retiro, so so it's aterrised a meta financial. What you want? How do you need? How do you need? Why this, Marco, you'll help you know a periodicity of revision. In the negotiations, the

things are every three months, in the junta's trimestrales. You, how many times you sit, you're going to your deuds, how you go's with your business, how you go back your money, how you can't

do you? If you never, you do you? Remembering it? What no is it, no it's a better. So, in the life, we're planning on some time I'm going to get. But how many times in reality, revises, there for February or for

March, vote to turn to say, hey, I'm going to to press the pass? What is functioning? What is not? That's fundamental in any way.

So, so you me questions, what is the first step? So, if you're going to get in this theme of the metes financials, is forgett of the ideas,

Papelito and as I say Excel Abla Exactly but the people

let's put a paper little because the paper and numbers and a compromise exacto

is a is a compromise so one I want to I'm going to make a

no I'm going to get to pay to get to get to I'm

having less problems financials a 10% before before the

31 of August of 2023 that is a compromise.

So it's a chiquito. But it's a compromise and the majority of the people he's a problem.

And you know, because there sometimes the materialize it's not so easy. And how do you do you know?

Oh, no, but me want to a car, how? Quant? And,

of that you're going to be able to make a plan, but there sometimes not so. And a

way, a property. Where? Require that you do you make an exercise, a

investigation prevy, et and there the people are a bit aflojava. And my and our culture

is more like like, I'm going back, there I'm going to, that you come from you know,

that you need to be in two years after after two wars and that are the reels or some of the

reels of the technology of in automobiles in science, in technology, is because are exaggerately disciplinated.

Methodical. Methodical and disciplinados. So, and that is something that I'd like to say the people

especially right that we're starting the year. The finances not is a recipe

magic. It's discipline and constance is arm a plan and discipline you're to do it's difficult

to arm a plan when you don't have you you need you need you need

a need to and disparam it in the year. And here is one of

the next things that probably we're to be one once that

I have the next the what see? How we this planation

financial annual. And, and we don't we can't do a planation financial if

no I have a new a new a new. Even the business is, basically in the year,

to make a projection of how you're going to see my money, my utility personal,

or in few words, what I know what I know, what you know, how does

that's what you can't be a first instance in the year, it's

going to take to make decision in the year. So, if, if you know

If you don't have an instrument like this in your way, because then oh, Moir, I don't know, I'm sure, I'm sure, that's

the net. We have many things in the life, we have we're having complicated in reality to be able, this,

to have the sensibility of the decisions financials that we're talking, so let's be the center in our

planiation, a present. And if you don't have a person to meet to my page triple-blu

ulu. com, and there will be a series of Excel is there can't that can't

be that they're going to help to put them to get to Excel. No,

it's very complicated. It's not more putting numbers. And this Mark,

will be the tool central to do after after the different two types of

objectives because then the people and it's, you're not of

my money new, to the other things to be to be going

financially and exist two. Metas of prevision and

metas and and objectives of metas financial. Because I think we talked about

in the episode past. In where as we we're not we need to blinder and we have to

protect. If it would be a lookura it would try to build a castle

and you mentioned right some objectives. If you have a one

one one of the a single a zone of income, no matter

if you're a employee or if you're a single one your business, you're a right to

put it as a right right to make a amount to not a second big, no matter, no matter that's a good,

so I'm this is a thing, so it's an objective and it's a idea of prevision, it's not

to protect you, it's to know, number two, to have an over emergency and that's all we're talking,

normally the people if it's been able to is for no three months of your costs

that's a that's a matter of your for the minute for the for the most but a year but a day

you know a a pass from a pass. From the in the in the negotiations I recommend that

are three months of capital of a reserve yeah that includes nomina

that includes for no one or two months of an one or two minutes minimum

minimum because there then then you know it I was that I didn't that was

a recession Oh, ha that's up getting the taxes of interest,

the risk is that going to the risk of the risk of the time that's going to be

the time. The cycles economic functions as expansion and recession and unfortunately

when suben the taxes of more that's that's the last

decisions, well, there's a debilitation of the activity economic that people

saying, a minute I'm me was going too and it result

that not so that is a 2023 is not

is And in 2022, it's abrived all the money that not he had got to get and he said,

everyone, we're going to get to be incerated and we're in the same. For the 2023, not is necessarily

so. We know we have to be prevened us. Prevening always. There's a thing that

I like that the people say Morris is that is that we're trying to pre-decise the crisis.

You what do you think of this phrase? Predecis the only not you can pre-de-clices. You can't

just be the cycles natural. Sube and back. But how precise we can't be in reality?

No, no, no, it's possible. No, Robert Kiyos here has here doesn't know how many

that's going to go to be a $100 for 11 and and so, he's like that will pass. But we've

years with that predication. The only they're those that are there are the cause you, but yeah,

you're going to get to be to tina. The crisis not say, Marcos, they're pre- they're pre-

and all right the grand phrase of Warren Buffett in all my conferences I'm

the people, not's not a phrase relatively traditional in the world financial in the Warren Buffett

that says, when the mare a bad, you know, who was not who was in doing without

a new without, yeah, yeah, yeah, you know, you know, you'd

know, a business just, just now for having a person, who was not just to

get a thing, who was who was who was a day? Who was didn't know a new thing,

who wastes, who was , Only when when it's a mare that in this case

the matter is a recession, you have to be a question and you're not a

time. It was an whole the other the people continue and they're going to

and going to new. Lines of more than than what were before

more than a moment. I'm there's a person who there's given those

this result in the demand. And see how they're all all right in

Monterere is duplicating the space and Guadalajara, in Merida, in California, in all parts, it's and creasy, creasy, has to be prevented, well, not is for

always. Exactly, exactly. So the provision financial, Marco, as we say we're saying, is something that's, but always, but always, we have to come to. So, then, so we're talking to those, also, also, if someone is over-endeutado, vera, if

entrusted at 20-23, with deudas, Mark, almost and you could say to say, let all the you're doing and concentrate

in eliminate that because you're because you're coming with you're going to be able to make decisions financials with

with liberty not you're to be able to risk that the finances also that's not so you're in

that's just so, then this tool of the project a project a how you you have to

you're to be able to give to what other funds of you can't especially if

are not something I mean, the Tragette of Credit is, you know, and for the people that

to be in people who are about the times of the taxes to get more more caro

and it's very, but very delicate. You can get literal in a problemon I mean

normally you get, if not you're not you're but right the costs are

so much so much so much care of so muchissimo care of this. And again,

especially entering the year mentally, for that the people know when the people are the

people are the people, we're going to the next next month I'm going to come more. The next

year we do we're going we're doing, and we're we're doing. Aropeachemus, a new a new

a new chapter in our life, a year new, we, we'll make our

things good, and, and, and, and, and, and,

this is with pure discipline and , and right we're Targetas

of Credit I'm thinking that there's other option still more more part of the people in

America and the market of the United not even with a target of credit of a credit of an institution

bankary. They're they're paying other things are even more carous than the

carers than the credit. Hello, Mark, to talk of that about this thing is important

right, especially in Mexico, that's still in the time for other places,

just as just as you What is this of the montadeuas? Montadeudas, of actually is considered

a medium organized, even the morninger, the president. But, so are these institutions,

de course, they're not even they're not even people, but it's people, are these

applications in our cellular. Yeah. That's primarily the word cash. Uh-huh.

And they're they're they're sure is that they're they're doing, microcredits

so. Of course, no califics like microcredit, but are we don't pay any buren,

nothing, you just just need to get your information. But what you know is that you know, is that you're to do you're

to do your contactos of the cellular, you're even certain, certain, I've heard, in my

programs, I've heard, I've talked about these things, and I'm yeah, they're in a time

to an issue, to get to to talk to to your people, tell them, tell you, they're

to give them to get with much things, including even to to have access to your gallery of photos. It's very, but very delicate.

I'd say to the people, much too. Cueado. Not staying using applications for, uh,

you can't put in a problem. This is, Mark, what the time was the typical usur, or the

restamista of the skin, just that's that's a technology. Wow. And also I'm going to

make an invitation to the person to the people that's for the people that's prested

for internet you're to make about the law the institutions financials they have to show what

comes being being being being being to a form very transparent check-t check-in' how they're

how they're they're gonna there's just four digits wow four digits of cost wait if you

when you do when you do do you do something when you do you're doing just that's just that's just for you

How do you want to they're doing, how they're paying to all these institutions. They're going to a scept. Here's the

I'm going to get the idea. It's the Enquest national of Inclusion financial. The 80% of the families

do you're out of the system financial. Delicado to earn out of the system financial

because to have the money to the conchorn. Well, you know, we know what can't pass.

Tandas, ahorro informal, Marko, disappear your Lana and any who 20% in Mexico.

percent in Mexico. I imagine that Ecuador, Colombia, that we're in all these countries, it's very similar. We have to be fear to the bank or the institution

financial or... I think, I think the number that's the is that in Mexico, practically one of each two employees is informal.

Okay. If one of every two employees is informal in Mexico, then practically... So, no, want to get their

money to do make their bank for not pay their impuests? Because, because, because, even,

my money disappears, rarely. That's what the people but in general we've been a piece of

much of a much of informality that that's that's a people have the we're doing we're just a country of much

circulant circulants money and the people still still still still depending much of this

and we're we're many people there are many many many there are many there's you can't create

you can't get to a institution to a bank or regular I'm I'm going

I would say, when you abhorras in a bank traditional, your money is protected by the IPA, right? Don't let's take in the way, your land

is to be protected to be sure. To do other form is to make to make a machito and you're playing with your

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So, then focus on this debt this is a good great idea of this year. The first

the people me says, Morris, no, it's notcans to liquear the debts. I'm obviously,

naturally, naturally, for so you met this problem. The problem is that the debt is

that's well, you have been a bit of one, we're going to one and

just to come to turn to another. So, it's not you even

you're not, in reality the not the money not a of in reality to reflectioning,

why you get to that this problem? Are you compas compas things that in you can't you're not

that's mal administrated, is that you need to get more money for the style of the life you have

the main the main thing, is in reality to understand your comportment and see what is what you need to

change? The people normally do you normally does it does it does it you need

to be people? You can tap a new you can't you start you you're

paying the is of another person. So the first we have to do is how in reality to understand what we're to get to this

situation. And number two, we're going to have to do things different if we're results different. The problem

comes from the presuposte because if I don't have a present, it's easy that me pass it.

That you passes. But, but, talking specifically of the debt, understand that

probably because what you will say the person, yeah, yeah, I did my what's

what's the what I'm okay, what I'm okay, you know, you know, you know, you know,

you know, so you get into the problem. What the people are there's not there's

what I'm what I said in the phrase, we have we're doing things different to get a result different.

So, if first, you know, you know, you know, that you know, that's a situation.

Yeah. The second is, that you can't get the money necessary to get

to get to a word to doaz, to get to a Facebook Marketplace and have

to pay your deuds, so be it. If you have to generate a second fund of interest, to get a little to get a, if you can't for a compensation,

compensation variable, if you're going to for commissions, bonuses, or what that's yeah, and you're going to to have to that month to

to have to pay the debts, so be it. It's. It's all. It's a have to have to do you, you're going to

get to those gas to get to remission, that are in every month, every month, cutalos.

Cortalos. The finances in reality not is other other thing more than than the costs.

If the the gastos you can manage to administer and reduce to the maximum, no there's

another mark. It's going more money. So, so, so, so it's

that we can, in reality, and, and, under the process, we can, we can

make we know how we can't make a more rapid that's, you, Abitos, emotions, at a

sometimes we feel us we're seeing like the other family, like the other family, like the other does it

does make poor. We need a car, an auto that no we can't, that no we're supposed.

And that's a time 100 social. Desgracably the Mexican and the Latino,

we're very social, that we're that we talk about when when we're when we

when we we're that, we know, that we we're well, because,

okay, well, If we're going very very we're doing, uh,

we're going to we're going to be that's, I'm going to see that in the event, I'm going to

a event of the G20, and just about talking with different nationalities how is that they're doing the money.

And it's very interesting because... It's a culture to culture to but but the

one form impressive. For example, an Indian is talking with a person of the India.

And he said, yeah, India came with an with a context very,

but very very strong, of much people, you're talking that's about, I think the second country in the world,

a country, a point of a parenthesis, that's more is super interesting, and I think in the next years,

it's one of the main the principal potences in development. There's a problem. There's a

problem, the indice of the problem and it's, and also, it's a good, and it's well,

when I was when I was talking to, what is your vision about the money in the India? And me

said, very interesting, we're we're we're not in the history. And this

has to be with a context historical of the India. The India was a colony

Britannica and they had they've had been even until the time

for much resentment with what they sawke or robes what you

have been have been growing and have generated their own identity

with respect to what happened in the history but in general it's not we're going to not live in the past,

but we're in what we're in the present. That's like the ideology general of the Indian. And that was for system?

The school was it was taught, the government so it's no, the history in general

what what what they took to live with the Britannical let's say. Dehhhh

a bit in the pasto in the past in the and what you want you you want to do you. Yeah.

You know, let's do that in the past. All right. So, that's like your

ideology general. Well, that's part of your religion. Right, that I'm getting thinking, the

Hinduism, the Buddhism, all the religions asiatics is venal present. Ben to the present.

That's right. Okay, Mark. Now, how you think this is can be related to the

money? Because obviously our creations and our idiosyncrasia the, the money and the

money and the things are, and they're, they're being a form in the

way we're in the way we're a idea. How you think could the

india terminate this idea of the idea of forgetate the past and concentrate on the

India are very good for the technology. They're good for the mandampantica

those numbers for so they're they're they're in different and technology

that they don't know more of more than but but there's there's a

a good percentage of the population that's a good percentage of the population that that's a lot of, you know, they're going to concentrate on the market technological in internet,

in what you can do you know, it's a very good lecture, how it's a how it has been doing to to develop as

but more fundamentally in the decisions of the money and they're doing the same way, forgetate of what you

know what you know what you're you've got if you have much hours, forgetate if you generated

what generated the year the year the year the year decisions financials of today

not you not you not will do you have to be what you're going to what you and you know

and you you can't you can't you can't but if the decisions but imagine if you don't if you don't

start to get to make it to generate today and you still you're taking decisions with what

you're going to you're going to you're going to get to your money and that's and so

it's fin of things. You you're going to go to what you're going to be this month

I'm going to if you're going to be doing right? Toma decisions with that's going to do you what you

what you've what you know what you're that's all the decisions with back to you

me called me really the question but has a clear a clear relation with all your

context because then that's then Inclusive in the negotiations, we've been a

good year the year past and they're to retire capital and they're getting to get a money and then

and then you. Wait, wait, and then you know, and indebtedart because me was good in the 22,

you'll say that the 23 me be very going to be going to this car and this auto and we're

and we're going to we're going to us go and we're going to not going to the year past. No necessarily

Pippe. So, it's a form more of being here of what I'm doing today to generate.

It's more like active. If we're well in the past, chingon. How me active I'm active

in the present to generate the style of and the metas that I want to generate in the future. Yeah.

That's a me made very interesting and I think is very valuable right starting the year. As I'm

a example of the now. I've noticed a different. Are you guys the women for the people for the

finances? Are those questions always me do do they And, I know,

I think I think I think at final of you know, we're to talk a different

roles that the woman in the life. In a context familiar, it's natural

that the woman has a sensibility of what it's in the thing that's

naturally, probably will be a little more administrative for the same

sensibility. But I to say something, for the the,

the, many are young with the people are to be interactual,

are rigorous, firm, structurated, administrated, and I go, and apart are very compromutied.

So, are very, much, so, so much more, uh, systematicized

and disciplinated than the woman. You'll have a interesting, that this

not a favor of the woman. Okay. Is it scientifically compromised, that the

man, and this, right we're about the context historical, that the man takes more risk than the woman. The woman is

much more to protect. The woman is more to risker. Quistar, right. We're talking about

the context financial. But this is from the era of the caverns, where the role of the

woman was, then, but, create and to be sure to, nutr, nutr,

and the man, was the man, was the to bring the food, right?

I was going to go to but that's her role. Me me explain. And this all the long

of the time obviously not with the not with the but in some moment if they were in some moments or with the elephants

or with the animals with the animals. With the the animals. So, it's the context financial

that's, that's this is something that I like, that I like to say much.

If you you're you're you're you're completely equivocated. The industry financial

no gives more than 200 years modern, no he has more than 200 years and the human has been in the

years. So, creer that, naturally, me going to incline to invest to my retiro

and forget to buy these zapats to to borrow for five, 10 years or for the

education of my children in the next years, simply not going to not be

not we're not we're not we're not. And the Darn us

Mark, us a lot of us and to be able to make more decisions. This is something new. For me,

it's the only reality that because it's the only reality of the humanity is very new. It's very, very new. So, so,

moving to the thing of the women, for this same context, the woman, naturally, those decisions,

for example, of the business, or the will tend to more to the security. And the

the truth is the way I'm to me say, Morris, how I'm my money, but I'm, I'm going to

be, but no, no, the most more sure, Mori, the most suretto,

the most suretto. And the man who you say? Bitcoin, Cryptos. Tuplicar

Miner. Drupal. Triplikar Millionario, tomorrow. Naturally, I'm going, I'm practically

all the day pegged to the retro- retro-alimentation of the people. But the two things are

very important, Mark. But the two we have to learn to learn to be a thing very interesting

that we have to talk about approximately the thing of the finance is in a in February we we'll have

in February we we'll be in February we'll be but it's important that the man also know the part of the part of the

question and it's important that you know in the first also the way that's not a risk no gain and also there can

make investments especially at different places in the time that you don't do you know if you know

you know a lot of you know but you're you're just you're just we're just we're just

we're just not more abacked with the we're we're going to invests, and we're going to invests to, a conservar and a and a good percentage, no, and other percentage has to

to risk to and to multiply. And this, and it has to to be much with the metas financials that we're in a lot of place. So, you have metas financials in the long-placer, in those which you can't arreisgar in much problem, you can't invest in ETFs in the bolsa and not have much problem, funds of investment, this, that in general, you're going to get in a low risk, and you have metas a short-plas.

That's metast a short-plast, well, naturally, if you you're going to invests especially in instruments financial, if you're in debt

governmental, CETs, funds of a rent Fica, probably you're going to be very

with a risk. And in all our portfolio, that this is something that people there

people, there's many people, but all we're we're not, we're not, we're not,

we're not portfolio, you have inversions to be low risk, risk moderate,

and risk also. All the money that you have been I mean, in

a lot of the people, the people who have a lot of people who are the people who I'm going to start my portfolio of

investing. I'll go. Empeas, carnal. In the moment that you have your business, you know, what you

know is that you know, you know, you're a good thing, a business, a business, a business, a good, a

person, the people who was a lot in the people, and it was all the same people have to learn to

to learn to get to different, to learn, oh, if you, if you have a

a new business, let me do another type of other type of inversions, right?

The women and the women have to have to be different different investments

of risk and other not of risk and so to complementing your patrimon. To do

do it in times of high inflation not is a luxury, it's a necessity.

Thinken it in this form. To redone to redone to your money is

your money. If you you have a million of dollars,

right that's the 20-23 and you 10,000 you're you're in 100,000

oh yeah wait, man, no, just like just like and that's like and that's

after you're after the you're doing you're after that after all yeah yeah

I'm sorry yeah you're still you still you know you're you're you're

you're you you're so there's there there's there

there there in the the the velocity of multiplication of the money is super important.

Important. Exactly. And especially to start before before. In your life. A me

a much me has always me see people from the people who still the people that's still very young.

It has to start the first possible. A quantity a little. University. Me, they're going to

me to do the university. I'm going to do you to do you have to do three types of

different. You have to do you know one of the investments most important,

especially when you're Caja, know you, Comprate a good book,

does a good course, know you, construct in you. That's the first investment.

Inversion number two, learn about investments passives financial financials, for example, ETFs in

the bolsa, if you like all the stuff picking and invest in action, is a

bit risk so you do do you, do you, funds, do you know, funds, funders,

funders, and you get the money, then you learn a little bit and then

invests a little there's there. But are invasions passives because not you require much time. But it's important to learn

from before especially for going to create a patrimon. And the third type of investment, putte a new

a new thing. De what you want to do you want to do you. But you're to learn the business of a market,

price, price, rent, cost, cost, cost, utility, utility, utility, utility,

operative. You're to learn things that's going to help to make more

decisions. And you will learn to learn to learn to to learn. That is important.

You're going to to learn to that that's that's not. And that's that's all the that's the that's like that

you know, and that's you're getting to get us and what I'm doing to do you're and that's what I'm doing this a good thing is

not a good idea. No. Error number one of the business. The Pekin and my own company.

All the what I'm no, no. No, apart today you vending tomorrow, no.

Exactly. And today. And today you're saying and tomorrow somebody you copy the product and then

the market because there there are two or three that they they're We were we're saying that right

that's the and not the same to do you know to make a mark, right we're in planning a planation

annual especially for those people who are the people are not in those brokers immobilaries,

brokers of securities, brokers of all the type of people who have been a single

in a business, not is the same to do you do you can be able you can

do you can't you're in 30 days and you know you you got

you Terrible. No, well, all those brokers are right are doing in the States in 2022

all the world is doing and doing and then it's at the time of the taxes of interest and it's come in let us.

And nobody and well, the market immobilary in Mexico has been quite very interesting. It's

very interesting in the 2022 as you like you say let's see the high taxes still

continue in the market in Mexico is incredible to the city

that's Kulia, Kangua, Dara, Monterey, in Merida, Edificios, and edifices,

and edifices, and the world. What's going? What's going? Where's where's out of this money? Much is out of

this money. Yeah. Much of it. The money, Chinese, for example, is a lot of the Chinese and

American and Canadian. Especially in the plains in the Riviera Maya, as you as you said right, the prices in

the United are very says, oh, well, I can't try to work in to Loon,

where to where to be to be to New York. The majority of the way of the ventas of the Rayses in Tijuana comes to

people of California that's a move to live in Mexico in Senada, Tijuana and work remotely. Oh, I'm impacted the price in Tijuana

are even more than the carous to be in Monterey but that's affecting it's a problem and there's a lot of the other side you

cost there more caro. So the locales the locales and then it's very much the country is starting to

get over there and say no way in Gringos Zorae yeah no not you're not because they're going to Oh, it's a very

barred here. Oh, no manches, and then you want to do you. Oh, God. Wait, you know, I'm in dollars.

So, all is pro and contra. There's more time. There's more economy economic, there's more than to be up and

to do it. I'm sure. Especially in this year, especially in this year, that's time, many people say, oh, car, this,

pernate, Mori, well, you just you just say that the things in general in the world

not are too, and if, and if, I'm I'm sure, I'm sure, I'm

optimist for the situation that's Mexico in the moment historical in

the moment we're in an environment not so not so more regional with a

TMEC recently firm with costs in the US elevating

and and going to be a Mexico as a great potential

of this we've seen the cipher is that the 95% of the navies industrial is here in New York is occupied. I mean, anybody.

So, someone gets here to put your plant, they're saying, in three years, yes, if, no important, in three years. We're, we're not making records

of the international direct. I'm, I'm, to be an assessor of the secretary of economy, and me to get these data, I go,

madres, this, for the least here in the entity, and I see that in other entities of the country,

also is the the growth we're rompians of the world of we're doing not just a lot of the United

and Canada you know about you're not a lot of the year ago in Mexico. So the position is attractive

that we're that we're making this opportunity because it definitely the industries and the moment

in that we know we're there's to get used to abunded the money that you is because it's because

it's because you fall education you don't understand the way of the but of there's

money and is going to and it's much much that's a really. If a you not you

don't you don't get in your ball of your it's a question. Exactly. And,

and I'm also and if you can't get to but it's fuging by it

on the little you're you're you're you're you're you're

getting to do. Before you this episode of podcast I want to you're getting

the same while you still you know the stuff and you know your

family needs more you you're you you're You know how to do you?

Do you know, you're going to earn more money? But no, you know, to get a delany? To me, me passed. I was, why? Because the only that

me ensured, was Mark Antonio, you have to work, and to work, and to work d'Uro for the problem is that

is insufficient. No function for complete. What we really need is to work in form intelligent,

is to say, education financial. I do that I was just to work and to work and to work and work durissimo and when, for fin, after years, I did in the radio, in the television and I had

money, no, I had time, because, because, as much I'd more, and then was, I don't have time, and no I have health.

And, today, I want to share the secrets that I learned and that you can't to you, too, to give the

world to your life, understanding the game of the money. For that, I have a master class

that's how to create our our to you subscribe now it's completely gratis and the

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or be directly to put in your navigator Markoantonioregil com diagonal bienestar. Repito

Markoantonioragil com diagonal bienestar for you see the class gratis and you

could learn what I would be really that me would have been in that class. But now we're

going to be Registing to the thing, to get the and everything and the money, and regresos.

How do you? Quanto gas? How do you do you get? Of that's your utility personal? You recommend? You recommend?

Do you recommend it to give it? That's just, okay, those are my gastos? Uh-huh. Recommend you

recommend you say, this me I'm going in food, restaurants, this in the school. There's,

depends much too of every person, oh, if you're, if you it's difficult to

get a administration correct. I'd say, it's aterisal to the detail that you to give the

information that you need, because there's not going to when you're going, you say, when I'm going to be

going to the cost of the cost of the cost of the food that I have to come to eat.

But if you see that of that the cost of 70% or 70% are restaurants,

then there there's a recorte that you could clearly clearly so

depends much of the situation particular of every person and obviously of what you

know what you do well. For example, I'm putting my example, I don't divide the costs. I don't give you

because I consider a person conscientious of in what you are using but if I were going to

addentran to the thing to know my finances, to aterisar in a first exercise

I would would be primarily in seven. Gastos of the house, gastos

of the family that you can make money, you can't etc. Gastos

of transport, gastos personales, deudas, oceo and entertainment, and others. We always

have to have the rubro others. Because there is where we do the money and there's

and there are things that are not? In the States Unites, the families

that are in the United, the is a here in Mexico here

over the Mexico, but one of the gasos ormig more grandes

is almacenar things. Stuff. no, things. Stop. Almacenar.

I'm here in Mexico every way I'm in Mexico storage. Storage. The bicycle a car

with a car with records and a lot of the oldie and the wallita and the baghilla and you

you're a and you you're paying monthly for an almasonage and you pay you in the States

$100, $500, $500, $500 $500 $100 dollars at for almasoning

for almasoning for, I was a recameral I was right in the apartment of three recamars

and I had a recammer that I'm a I made a question and I said what stupidness is this? Yeah,

me would have been brought another recamara and I'm I'm a and I'm you know, and boom,

you're back as the cost of the cost of actual. Literally. And especially also this if you

say this cost in almasonage is a cost of recurrente those those that

most us dole I'm I'm going to be not the not the not the

reality is that we don't know But are those who are the more sangran All the recurrences Saque your targe

Saque your state of account and check all the mensualities that have Domiciliated That are

Those payors That you Don't Not even No, don't know Degos Dilos, do you

Let's What do you The Let's, The platforms of streaming All the platforms of streaming

Howtas Vets really How can't How can't The contractast just to just got it

and it's about it's about it you're going to you're going to you're going to you're going to you cancelarla

and okay this year I'm like this year this year I'm like you want to do you want to do it and the Netflix

there's when you when you when you're I think I think that that's that market

and the the system of streaming will change probably no it's me makes that it's

something especially when we've that the people people that the users in much the

it's a a lot of it's a new they're getting commercials. Yeah, they're getting commerciales.

For it's a great or a low cost. Yeah, and I think it's a thing to tend to a time of integration, because it's a

lot of having to contract a monthly just for a single thing. But in general, be conscious of these recurrences

that we're Marco, and for favor, cancelen them. Cancelel them. It's like if you're doing

subduing of every every single little bit but the other day I did app, but an app

that's supposedly if you do you do that you know the but it's

not the but if you do you do you know to do you to do your to get to get to do the

things and you could and you do you know I'm saying it's a good to do that

I'm going to be but it soundable very well someone that someone that you

say here are these these these descriptions and with this button

cancelas but but but I but I but I know I'm,

I'm going to make a lot of your stout of your mind, well, you know, for $9 dollars

all the month, you can't be able to be so much, because the majority, because the maybe, so it's all

that doesn't, that you get an email, for example, Apple, no? That's the, for example,

Apple TV, that I have got to and then, I don't, I've seen, I don't know to see much,

and I'm to canceling. And he's, and she's in chicanitito, and he'd and I do click, and I go,

and I'm And here, and where I cancelo? And I have to go to the way impossible. And yeah, yeah, I left there. I'm, yeah, I'm, well, I'm, well, I'm sorry. I mean, I'm sorry. I don't know.

I mean, I'm going to, I mean, I'm going to. Capos, that's not going to talk the information and you're madrugan. Yeah. No, I mean, I'm not, in this type of time, I'm sorry, you know, you want to take the control of your finances, agarra lo in.

Agar it. You met. Mettete. And I'll say, because, this, this me about the

last. I mean, I'm regularly to my state of account to be to be the costs.

For the most I'm doing to do do it's but obligamently one way a month.

Much people commit the error to make the card that pay the card. You know,

not revised to all the cargos not even though. That's one of the objectives for what you can't do you

to start to say, oh, for example, me a person a subscription natural

of internet. Oh, the internet. Resulted that I was paying, what, like,

600 pesos a, all, oh, and of a rector, I'm, I'm,

I'm, oh, no, I don't, I'm not not really that's paying

$1, because I think I'm so, I'm money, because others

they're not, no, no, Marko. it's that that someone

had contracted a plan familiar of Netflix and they're they're to be

that they're that someone I'm going to do you have done I'm they're they're

they're they're not you don't you're you're not you're cancelamel

to the fragate and that nobody more you can't you I'm

puting a example you but no no no no resume much

the goals that we get with our money and not we're not even when you know, it's that you do you have a

number quite a number for all the year. For all the year for all the year. One of the objectives also

that I'm to give to the year that you make the the money that you kemas not a same, no

at the month annual. Sure. Anual. Multiplyal for 52. Your gasto seminal for

52. And there's all the land that you have to also also is also also very very

Marko that we're that we're doing the year that we're doing this that we're

doing it because obviously for obviously for the projection of the projection of

the next year, well naturally as to have to the year past and based to

that you project as the future how you got the year you know I'm

a number month and multiply it's that's the land that you got

the year I'm I'm that I do the that that's that

I can't 10 $0 10 $0 year past. So in the year I

gained 120. Yes. I'm to ask this exercise. Sake this number. Where are those

120? Where are you? Where are the people? Because then the people are you? No, you're going to?

No. Gannashtes 120? Where does respond? A less that is a person. And you're going to not that's a

lot. It's that we can't. Yes, we're administrable. I do. I do an exercise

very simple in my conferences and I'm I'm justupio the net. And for gastos ormiga,

for putting examples, parkymeters, yeah, cafes, carmetmetros, snacks and comiditas

out of the house, so I'm here in the officeina, I'm not I'm not I'm trying

to come here. Fasil, fast, you know one 100,000 $1,000 in the

year. $100,000 in the purest stupidesses of all the days. That no

would have done a lot of because the people are because then the other the people

is that you're not not so my no I'm no I'm the problem is that

the problem that you see you don't know but you don't get in paper and it's

your decision because because of not it's the coffeecito diary and how

it costs 100 100% 100% 100% 100% in US

in In the United depends the size is between $5 and $9 $9. So,

so you say, well, $5 dollars all day or $10 $9 dollars a day is much. But multiply

it for five days of the time. Multipical it for the month. Multipicate for all the year.

A bit, wait, you're going to $1,000, $1,000, $1,000, $10,000, $10,000,

$1,000, do you want to continue doing doing? It's your decision. No, but so I'm not,

but it but it's multiple and it and it Because the $5.00 or $100 not so much. But the multiplication is,

ah, carie, then could have been been going to a voyage with this? Exactly. Or could have paid the targetta of credit with this?

Cost of opportunity. This land me let me in A and not and I used for me. No, I did I'm not

I went to do I'm from no, I did I'm, do you know, no, I'm do you get to, no, I'm

do you guys. So, so you I'm not the same cod, to be the same cod, because then the people, is that's that's the more, it's that's of the

Mountaineau. Well, but Monterey is a rich, something we need to learn to bring to Monterey. No, it's that we're not

that's the same codos. A codo is a person that just a just a price. Taconio.

Precio, this, no, what the costed less. And you regate to all. Consient.

Of that I'm, that I'm that I'm can't be my time. So, If the

Mark, if the people, and it's a exercise also for that we're in, we're going to be a little more, I'm

saying a little bit cods, not just to make the way, they're more of the time. Yeah.

Yeah. No, with your money, with your time. Valle much more than the money. To what you

dedicate their time? Yeah. Of course, I said that you have your present

annual, Marko, but also I'll say, I'll, I'm, I'm, are the two resources

that you have in the life, none more, money time the people the people that

I'm a every day to do you do you know how do you the time with the family in how time

you know how time you know you know you pass as this in oceo doing nothing

yeah yeah so they're a little more codos with your time no codos

do you see that's not conscientious and administrated conscientious and and administrated and and administrated

yes for For example, you have a job and you pay them but you're a time. But you're not two hours to get a

time to get a time to get a little bit more than a little bit more less well, but that's you'd have to get to get

eight hours in transportartes it's a day entire. Or there's there's a different that you you can't

do you're that's hours or well oh, oh, yeah, the net is that's that there's that's

the podcast I'm the podcast of Marko, listen to listen my podcast in the time. Sackal the

hug. Sankle Juga. But just you let's you're watching the Instagram

and so it's like the enojured in the way. Enogating with the baches,

pass as like, oh, how do you get them they're in this, why?

So, Mark, that is another that I invite to the person to do

your presuppest of time and that we're going to be starting. I'm sure because it

another because we want to we're we're we're and if I'm

if something if I'm of this episode, Mark, no I'm here to motivate those,

for favor. The motivation you do the first two two months of the year.

If a case. If you were very generous. The good results can't

with discipline and constance that's what is what will be to do you will help

to get to your objectives any that this And be realist, because then the

people get in metas spectacular. And those metas spectacular, I feel like it's like a, like a, an auto-sabotage.

A auto-sabotage, so, I'm going to a matter so that's a kind of a way to do you, I'm going to be to

doplicar my They do you can. Many of them many of them. But for a person that is a salariated, a person who has a person who has a

business, yeah of various years, doplicar your ventas in a year? It can be very complicated. And from it's,

no, you know, but you put it's a better, a better, a little, realista that if you can't get

to get to and that's you're going to in this, in this, in this, in this, in this,

time, putte a matter putte a particular. Uh-huh. In one of the retos that I have,

the first is, consigue $100, $5 $5. Yeah. ...of a form distinct to that normally

you can't do you. What can't do you can't check to your house to be to buy to parrots,

lave autos, not I'm you know, you'll be you'll you can't your first ingress

of a form different. Oh, is, of what carhos me will serve that?

forgett of the money. Yes. You're going to get to your zone of comfort and over

you're going to try that you can't make the things. And that's the first and the first

and the second, but you you're not you're a metta that'sable. And so,

Mark, not only for to get our those first $5 dollars,

also when we want to make a marathon and never we've

done to get to all the kilometers, it's with 100 meters.

It's a 20 minutes. It's all today that there's a time that you're many times

that you're doing that you can't get a more, I'm not so that's your tinder and make your business,

make your blog and to make a marketer something with a markete or start with our own

our own experience value. No, if you need a product. Yes. So,

you can't do you can do you have platforms like Upwork or like freelancer or

Yeah Hodmart in where you literal, your knowledge and you can't afford to someone more. You can't be

to give classes to study at preparatory, and it can't be in vivo and in line and Zoom. You can't do classes of

agendas, classes of English, classes of something. After, well, other models,

maybe a little that require some some of time, but that you can't do you

do you have some hobby that you can do you can't get, from a

way from a way naturally, right? So, the fact the hobbies

are good precursorses of good good, I'm going to do you know I'mpe so I'm

so the so the chister is retar a people, Mark. Yeah, retar to the

mind, I'm to have to do something and I'm to do something to make things

that I'm sometimes to do something and that's something that's like a different, that's like

a lot. I'm just like a I want to , I'm going to create another. Sure.

No, don't take decisions thinking right in the short-plas but you're going to be

the importance of the process. Processes, yes. Processes. And have patience. Pacience and how one,

one, a way, and a other and to do you to get to to be to be. Yeah. I think

that's important especially in this new step, that I think has been very realista, to be a

plan with numbers, with Fecha, with something specific, not spectacular,

but something that's little to be to get to get to be to get to different. And use

in retos. Uh-huh. Reto, retos, going to the theme of the set.

Hey, if I can I'm got the first contract, I'm going to give

a little something that I'm going to about a way to be a very extreme.

I'm going to a dinner in the restaurant that I want. Yeah.

Me going a end of a time that's that's we're doing

with our dopamine and with our brain prehistoric for our to make us to do the

give the stimulus and the time you know the way that's spectacular oh yeah but you can't

be a little you can't be a mountain experience different an experience in cinema that the that the 2023

I invite to the people that is a year different that not the same not you

plan the metas the way to retate to you the same the same

if you're you're at things different to things chingones things that you're going to

you're going to you're to cost to do that you're going to you're you're the best that

you're the good you're to do you sincerely when we're when we're no right

you're maybe that you're that motivation that oldity that you get to that

threepate that and use it. And use it. And retate to generate the first results. If you

it's a maintain the constance that is of the most difficult, practically is the more difficult. Retate to

have results and that you're going to get to grow. And at a lot of a great

friend and a great bendition. If not you do it if you know we do you do you

do it because we're we're doing we're we're not we're not it's for so at

to get you from the this me will. A, who's to be to be

to be that's going to that that's angustia? The stress financial

there's there's there's there's about the 70% suffering for a

time for a time for a thing, I'm I'm to the

people, that's that's motivation, like you know, like you said,

Marko, to in reality to see, that you can be that's

part, so I me I'm in the personal, me do things.

I'm doing the person to do this. I'm trying to give a lot of the first thing. I think the first that we're going to start to start.

I'm going to get to be it. I'm going to get to be the statistic, I've got to but is that the ciphres

is spelusant. Entendar a reality. In the United, to see, let me, I'm going to

the state the state of the people that there was, the adults, an

studio grand that's a lot of a good I think I think I'm a good

education financial of the people in the people in the United. In the States

in the United, 57% is the majority but it's a number is a

number of the population says I know I not received a education

financial adequate that me we're we're about the one of the

most of the most of the people in question the 15%

of the people that received a education financial adequate. Adequated. 15%. And I'll say

of that's how in reality was a education of well, me it was my parents as my father. So I'm

think that's people who said well, me go well me back financially this, this is I

learned 85% of the population in Mexico and we're going to get with our people in California,

in Guatemala, the Salvador that we're in the Dominican. The same thing. We don't

we have a education military where you where you don't, where they're to be they're

they're they're they're they're to make to make equipment, to do you

to work, to teach to bedece orders and keep your quieted it. It's

impactant Marko the time that we we're we're to get us and the

and the little time we we're to know to know what to

yeah yeah I'm me impact how the people like the how the

finance. But carnal, you're in a job of eight to nine of the morning to

five of the time. For money. And then you do a flojera to learn

a course of money. That you can't get to that you do that

that's that's that there that there I don't know. Yeah, and we

we can't in a circle vicious where I'm doing doing something

that I don't they're they're they're they they're they're

they're I'm, I'm apporreated, that the end of the end of my education,

I'm disconnected and me, me, I'm adormesco, etchandom five parties of football, series of television or Netflix or

or what you say, you're maces, you're disconnects, take, does it other thing, and the side not is

there's a reality, to say, this is this, it's more, if you do that the suffering, for this,

I mean, the suffriment is good, to say that I'm that's like, I'm, I'm,

of this reality and for that I'm going to to dedicate to to learn to learn to learn or do you know or other forte

ingressor to see my to get to get to see that's not that's not the most the major motivator

and ohhalla not were so are the situations or the worst crises we've been that we're

because this phrase I'm like the first the first crises make us that we're

things that were necessary but we just about we're we're not that were necessary but when

when the things even when the things are you like it's like well as well well it's well it's because we're gonna

we're in a crisis is when we're talking about there's a cameraographer in the channel 12th TVisa Tijuana

I had like 19 years 20 years of Cucco was called and he said I always I'm always

I'm very passionate and I'm yeah I'm I'm I'm gonna I'm because I'm

because I'm not because I'm because I'm on the TVa Tijuana for all my life

I wanted to learn to to get to get to get to because I'm paid them and I'm and Cucco

I was always very very very much and all I'm there's cellulaires so Cucco was to get to not

they were because if no he he didn't he was I'm gonna a series of artimanias

there to get to get us and always me said I'm saying because you're

you're gonna you're you know you're Marquito me said well what are

like you I'm like I go like I'm like I'm No, manches. It's fine. A little

to Kuko he's but as that I'm just to get to that reality, not of the channel,

the channel didn't know of the reality, but for that he chambia and then to get me

to say, it's interesting because just one of the one of the questions that's, that's more

the people is Morris, how I do do you do do you know to get more in my problem

complicated and the fact, when the things not the difficult to not to

get a man and that's the head and he's like, I'm going to I'm going to I'm this

car I'm this this certification for what I don't see you're going to you're going to the know the know of the

know you the knowledge you you know you you've got to you You're doing, you're investing, and very difficult, listen to me, very difficult, a business, a

to be able to, a capacity to your personal. Yes. And you, look, that's directito to your intangible, to your head. That's your life. But also, but also,

but also, but also, but also, you can't apply what you're saying, if you're in a business where you see that the things are bad or no, no, you know, and you say, they're

saying that no there, and they say, no, because there's more gas, if no, there's, well, you could say, oh, yeah,

I'm, I'm, I'm going to do this company to create another fount of this company to create other fund of interest that we're at another level just that one

that's a guy I'm going to say to I'm not going to pay you know I'm going to we need to make sure oh caray there's a there's completely the

perception that you and when they're people, then to whoever corren, to this that's that's about in my

my language so then so there your advice can be in the personal and in the time the exactly

I'm just so I'm I'm I'm going to get to more money. I'm a bring to try your

how do you how I'm how I'm how I'm capacitam but I'm want to make to make you

I'm trying to I'm going to the mess and you and you yeah that you do you know that's more

more probably that you you're more that's new that we're doing this new I'm doing give a moment give a

number 100% of this new that we never practically you're always you're

they're, it's impossible that a, that a a little a little, that's a lot of,

because if you have a, you know, you know, you know, you know, to do it to do you're in

other part. Also, you're not, you're in a new thing, your head, will start to care,

because you're talking to your own more, you're, you're not, you're not, you're, I'm doing,

I'm in the game, to create new new fences of income, and of that's, and of the new,

then you're, then you're a bonus, And, well, And, you know, yeah, when you enter to a a problem

to be a very, well, you know, you know, you know, with a form to have a

business, no, with the support of a company, but that I think you can't

help you to get to get to the cajita. 100. 100. What things different,

and I'm, I'm going, I'm going, in that we're talking, in that's when I'm not,

because then I'm not made, I'm not a, a, a, a, a,

a company, and, and all, and there you go. The best form of to do you know, I know

I know I know it's difficult generalizing it but in my opinion, what I've to have

to live to me, the better is is to have the know of a know

of a industry in particular. Because when you get a time, 15, 20 years

in an industry, the you want, you know, you're, you're doing, you,

you're, you, you're, you, you're, what you want to 20

years, Mark. Me you're going to say that in 20 years, you know

you're not there something that could be better, that is a little inefficient, that I

call frictions of the market, frictions, things, that there clearly things that

not be that's that someone could be a something after the time

that you have you have when you have a time, that is

a clear opportunity of a business in where you what you need to is to bring

an idea interesting and you know what you know to all the people, you know all the providers

is an excellent opportunity if you want to the same structure of or if you want to

put your new your experience then you know the people want to

get to get to in what industry well I want to I'm want to

create a carnal I never never I don't know that you go to be good

So, no there's in general, all this, and all nace another way, Mark, of the

knowledge that we're doing and the relations that we're doing. That those are other, other great retos that

invite to the people in this year that I'm starting. Acquiredes in my second

book, of the seven and I'm and I'm to invest in them in this

year, your don't, your abilities, right? All, and if you know

those are well identified is because you've done things different. Your your

your own how you're not going to not try you're not going to write a make a little how I'm

how I'm going to develop my don't this year? How will I'm going to develop my

knowledge? I'm going to do a course every month. I'll do do a course every

every every I'm going to go to get a I'm going to get to

I'm going to get to to work a industry that me interested. I'm going to

talk to a little to be that's a how is that how is that know, know, relations.

Who I'm would like to know this this is another excellent idea of a business that I live to the

people, there's just just to get to do you get your list of contacts to all the

people that you know to know to do you put to what's to and ask

to you know you know you and to ask you question, what necessities

could have this carnal or this my? What necessities could have? And what things can do you?

Or to who I know I that they could connectar? Because there there is a billet too.

But if there's a referenceer there, and if there could be so, you could be even you

can't be relations, attitude, all part also part also of the attitude. Salute,

that is important to talk to has an important impact in our health mental, spirit, our passion,

what we do not do do our does make a transcendent, and siata in our time. Marvelios. It's,

is not going to the cajita, salerns, to that tautura mental. I want the results different,

I'm going to think to think. And much times we know, marco, for malas

experiences that we've in the past. Because we intend we for a business, we don't

do you because we did it because we we've we're and we're we're in

a depression much people have passed for this in these two years desemployed a mal

experience in a bad experience in some an real experience in a carcita with a cranes and that's we're to identify

those we're doing for these bad experiences that we're for that's for that's for that's

for this is because the The life you do trancas goals, the life not is just

the life you're going things things rare, fias, horrible, you're

people, you know, you're they're they're that's part of the life.

And if you go to and you learns and you learns your emotions,

that's that's that's but you don't there's to be you there's

and you're going to you're not so I'm so I'm so I'm so I'm

so I'm why I'm because in the moment incorrect and all the pulgues and all the pulgues they're being to me.

Sure. For that's saying, poorcite I, poorcite you, povertyit you, why, Diosito,

why me you did yousied, oh, God, me, docile me victim. Victima. It's really very car

to play the victim. Very, today. Today, not for you can't be that we're about the

simple fact to have your money of the even being form formal, he, you're being

victim of the system. And of the ignorance, of the ignorance of the game of the but the

but the money not you know, oh, poorcito, this, omission, no, no, no. If the

money, don't you know, and I'm, hey, investem it. Yeah, the regasted the year

last, this, well, no, you're here you're sitting down me chambhams. No, and then

it's in the interest of nobody, that's, no, because then the people say, no,

well, this, well, someone to say, or me to do, or me going to

do all the whole, the whole, mother. No, at contrary. The people

the people for your, for your, for your, men's, for your mensas'cernation. And so, that's, that's, it's, it's normal. It's, I mean, it's, it's a game of, you know, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, it's, when I'm but always there someone that is someone that's to do with my

money. Look, let me, let me, make a minute, make a little little, make a chiquito,

inviartel here, no, it's that I'm that I'm not know that perfect, more,

I'm more more than that back back. Marko, and we have much in this 20-23

because it's in these two years pastos in the in the time of the

frauds financials. Fondos Funds Patito, schemes Ponzi, schemas

Pyramid in where all the people, and this is quite

more common in situations like the we're doing right, no, of moments economically

complicated. They're going to do you doplicated your money every day, and they they're doing

and they know, and they're not and they're and it's a yeah, no, no,

no, I'm going to do you start, I'm going, I'm reporting, and block constantly

of my account of Instagram, every that public something, appear two or three posts of,

I want to to thank you to the woman Guadalupe that's, you know, those have seen? The people

posteer in, in the, in the post of the podcast, it's, I want to the senior Guadalupe

that me to get to to get to a lot of I'm not so, and I'm sorry, I'm sure, I'm sure,

and I'm still, and I'm still, oh, no, so, so, those are, those are,

because it's those go and those, don't have no publication or they're three publications

no, no, no, no, no, no, no, I'm cance the death, I'm

getting, and be born and report and be able to and blocking, and they're going to and they're

going to be those of so you, but also those of the car yeah, that the bestino

me said, oh, the other history is going to be, but one one of, it was,

it was, it was, it was, a, he was, a plomer, do you have a

question. I go yes, yes, I'm going, oh, is that what the

part is that they're inviting to a a model to do a new a business,

in six months, me they doplica. You know, what on this?

I'll say, I'll say, it's a real, a percent in six

months. Any person that's that's what's basically to

say, you're a little, but I can to talk to what's your

friend? Because, well, even a new a new new a new do you

do you know. and you know, you know, probably'll do two things with one,

one, or start going to go to or two, well, probably probably might be

a good to do you do that probably probably will get that that's

that land and then that's that will get to the $300 or to the

$1,000, well, to the $1,000, with with have to have a model of

cobrance and with that's you're going to pay a part. Or two, it's going to do you

a business traditional. But you're saying you know you know you know absolutely

what's the person. And me said, no, I know, I know the person

directly. It's a person who me invited to a person. I go, mm.

And I said, it's a nonita money. Sinorance financial. But we

let's but we're but we we're we're hours and you're trying. You're going to

another, another thing for the people here too that's how people know how people know

how people say, learn percentages, let us let us put us a number 50%

okay now, how does that how does that people can't learn in a context

financial or no, less, less, you went to you're a little

5% of the because if not you know Volvying the example of

the plumber that me said, me duplica in the money, duplicar signify a

rendiment of the yeah, not much people know that me understand that's much or is

much or is a little? If I know, it's a little, you know, if you know

you know, you know, you know, no, you know, you know, compared to what?

The comparison is the tax of interest of interest of the bank of Mexico, the

is that you're doing the 10. Annual. Annual. Annual. For so.

If I'm 100,000 me does 110,000 percentage in a context financial. What percentage

you like that's a person? So, if you know you have that basic, Mark, you can

offer the 100% to the semester. And you you know, you know, it's a

little, a me me offer you offer you offer you every every every

I've seen. And I've seen. And who are you to say that's

false when they're when they're they're because they're they're the worst

of all the that's the two years and then they're not you know they're not you can't

and you can't you're just to say to say to say he's we're

we're we're we've been we're with people with people with in this. How's called the quote of the New York,

the that he's timed a puro? Bernie Mav. That's, thanks, thanks. That were millions and millions of dollars to people famous and exitosa, to players of football American, to basketballists, people of Hollywood. If a those,

they robin, like in the car, millions of dollars, well, the plumberer. The majority of the errors financials that we're commenced is for not planiard

for trying to reaction to what we're going to be front of the day, for not having a part of the planation and to care to get money. I don't celebrate Halloween, but I know that I'm going to

defraiser in October of Halloween of the 2003. I'm going to defraiser of the Cuesta of Nero. Ah, caray. How is that? Well, so I'm going to say, Cuesta of Nero.

A mountainita. A mountainita. A mountainita. A mountainita. A mountainita. Pidienta. To get a bit. To be it.

To be it. Disrassate to the Cuest of Nero. Because the Cuesta of Nero, in October. In October. In October. In October. Exactly. The problem is that

we can't remember we're not hard. Yes. Exactly. Let us. an applause to Maurice Dieck that's a very good class.

Thank you. Thank you. Thank you. In where we we're trying to learn more of you? Quintan us. Siggar me in

reds social. In all the social I do it. I'm going to find my podcast Dimm's and Villettes

we're saying we're saying about a cotorre so very casual. This my page internet www.

www. Morisdiq.com And can to find my books, my different courses. And,

well, we're doing the world for Mexico. I'm just much. You know, you know,

you know, and you know, and what you do you do with your socials. I like much because you're constantly relating

things that are going to the actions of money. And that's is to give a context different to the things.

To the things. Always, there's a fundamental after of all what is going to

understand. Especially if we're doing decisions of inversion, how that has to be that the Fed

sub a tax of interest with my investments how it's how impact a inflation to the inflation to the investment

to my business, to my job, we've been in a world invisible, there's a

sphere economic, invisible that if you know it's a difficult that can't

make you make a decision of money and you have to just to get to the

only to all to what you do you to do and I would be a lot

to of the year, that is an exercise that I do every three months, that is calculate the

value of your patrimonet. In English, the net worth, in Spanish, is the value of your patrimonet.

That's a exercise, very simple. Basically, what you have to do you do you have to your actives and

restar your passives. To your different types of activities, but basically, all these investments or the money that you have.

The money or Arrador that's generating practically nothing all the

money that you have you have been to you have been in risk if you have the crypto how do you

have the exact, your business your business how do you do you do things different forms

to evaluate the those possessions materiales that have some a little

a car a car how much value the house the how much

money how much money to do you do you how much

value? Yeah that you will to rest Deudas.

Oh, yeah, if I bought a house of five million, then my patrimonio is

five million? No. Because you have a credit impotecario for four. So the

house is you, the house is the bank. 4. 8. So 1. 5 minus

4, right? That's one. That's the value of your patrimonorita. So,

and you restas all your debts, all the those that you have all the

money, you're you're a number. This number is the value of your

patrimon. I invite to the people to evaluate constantly this number every

three, every six, every year, and it is going going to how is going to

how it going to go to if you're going to make decisions going to

go to do that good exercise if not if not if not going

to have to why not and what you do

be different. Hage the exercise right in in January and we we'll talk in six months. To be how

it's a and then we we'll talk about and then we need to help, then you need to help to help or ask you to

help to get a to make a math, so you can't but you can't learn. But other other

there's a there's that I like to delegar that no, no, no, for the most to learn

for because if you if your obstacles not do you do it because I'm so you

can't do you do it and there and there and there Tepo can't not be able to

say, I mean can make a exercise very very simple of a very simple if you have a

question you have a lot, how cost the relog? Well, mette to the pages that

cost you. And what cost this property? Well, metete there there also platforms where you

can't value, more or less how can't cost a cost my auto? This is a

little more more easy. How do you have you have been aure you're so it's

money also is very easy. The deudas also is very easy to get it. In reality, I think it's an exercise that's a little bit of us could be. I'm going to

do it. If you need to do some value in certain valuations, especially in the other than businesses, it's a little more complicated. But in general, it's something that I invite to the people that do you see the evolution of your life financial, and it will be a number-in-senegio, that

you'll give much clarity of how has evolution. Me, it seems excellent. We'll repit your networks, and where to find you. Arroba, Moriz, Diak, is scribes M-R-I-S,

D-E-E-C-K, and D-E-C-E-C, and D-E-C-E-C, and D-E-E-C-E-T We'd. We'd have a other applause, Nutrido, and with

carino. Much-R-R-E-R-E-R-E. Thank you, for the space, Mark. No, man, thanks to you for coming.

You know, I'm going to you know, I go back in the the chocolates and the flowers and the serenatas, that we'll

that we're that we're It's a thing very important. You know, we'll do we do with us we're going to

to need to like a five hours for that? No, the last, we're not, we're doing. It's a

thing important for all the people in the book to formalize a relation or, or yeah formalized

and she has that has problems of money. Exactly. Much of in the in February

we do. In February, we do this. Thank you, give me like You know, subscribe the channel in YouTube

and they're here above, questions for February. Dehain two things. Or the lesson that learned

here in the channel of YouTube, what lesson you can't practice, what you can't do you know, or what you

would like to respect to the finances in a marriage that we did you to do you to make a question for

and we're going and we're in the next in the next episode. What is the is the major fear of your family?

What is the major me? No, not your, of your Pareha? The Tewo, you know, the Tuck. I want to go to ask him. The other than you. No,

no, he doesn't. Ah, without ask you. If you know you know, you know, it's a much of entry. Ah, very interesting. We'll talk about the next. Thanks, thanks to the Hotel Fiesta America, Monterey, for having us received here, Grand Fiesta American. A lot of the public

precious that was here with us. Thank you, Chico, Chikas. We'll see the next. Thanks, to hear you know, podcasts. After the next. After the next, we're going to learn them

together.