El Podcast de Marco Antonio Regil - 284 - Cómo salir de deudas sin ganar más dinero - Steven Zamora

Episode Date: August 21, 2023

Cuando tenemos deudas, pensamos que ganando más terminaremos con ellas. Sin embargo, al final gastamos más de lo que ganamos. Para ayudarnos a salir de este círculo interminable, llega por primera vez al podcast el entrenador financiero, Steven Zamora.¿Quieres mejorar tu salud financiera y salir de deudas para siempre? Descubre cómo en mi clase sin costo, “5 secretos para tu bienestar financiero”. Regístrate en: https://marcoantonioregil.com/5secretos-pod¿Quieres aprender a crear hábitos saludables con el dinero, para toda tu vida? Steven Zamora tiene un curso para ti con el paso a paso para administrar mejor tu dinero. Inscríbete en marcoantonioregil.com/finanzas¿Tienes un talento o algo que te apasiona y quieres compartirlo con el mundo? Con Hotmart convierte tus conocimientos en un negocio digital. Ve a https://hotm.art/MarcoRegil y regístrate para descubrir cómo.Cada semana en mi canal de Telegram, accede a contenido e invitaciones solo para fans. Únete en: marcoantonioregil.com/telegram¿Quieres llevar del podcast a tu vida lo que aprendiste esta semana? Descarga GRATIS nuestra revista digital. Da click en marcoantonioregil.com/aprendamos Sigue a Steven Zamora en:Instagram: @entrenadorfinanciero.cr*Importante: Nuestros invitados son expertos en sus temas y reflejan su conocimiento y su punto de vista, siendo conscientes de que cada una de las opiniones es totalmente personal. La información, datos, comentarios, estadísticas que se presenten en el Podcast de Marco Antonio Regil, son de exclusiva responsabilidad de quienes las emiten y no representan, necesariamente, el pensamiento de Marco Antonio Regil o de la producción del podcast.

Hotmart, the platform All In One for who wants monetize your passion and knowledgement, presenta. No is necessary to gain more money, and that's even biblical, administer it so much, no? Entendor that the excess of

debt nace in the excess of the cost. Because, because as you know your account of bank, your salary, no can't sustain that style of the video so much that you're not, recurred to the debt. The brongue is to buy a passive thinking that is active.

Or that's a reality. Or that's all your reality. Exactly. If you've got a life of five, 10, 15 years, taking malas decisions financially, that, for favor,

not be passed for the fallacy of that that will be to doodess in one year. If we have to press us, to press our cinturon to one or other form temporally to be

to be able to continue constantly in the same place where we're going to be able to. You, that's what is the it. You see,

you know, so, you know, I think many have suffered or we've passed the rest of our life. So, you

need to be good, but do you know, but do you say, oh, you know. If you're , you know,

you're going to pay your debts, if all the time you're doing targetasos and you say,

oh, I go, how I'm I'm, I'm, I'm, if you're you're

probably you in the slavitut modern of working, living living for to pay.

The good not news is that this no has to be the way we're going to how to

run this thing to this thing down to this new to the hotel Fiesta

American Diaducto in the city of this is our beautiful in live.

These chitos and chit students of our students of our courses

in line and we we're all all 184 we come

we're Regis is a production of RGEL Entertainment and all his rights are reserved Stephen Samora is an empresarian cipherer and a trainer financial

with his method of seven passes has made that millions and millions of people have paid more of a million and a million and a million and

million and money to share us to help us to help us to help us to get a from Costa Rica is in the podcast

Steven Samora traveling from Costa Rica for us to be here in the podcast. How are you? Pura Vida. Pura Vida. We're going to,

let us. We're all. Pura Vida. Much thanks, Mark. What good to have you with us, Stephen. Me, I've got this a regalito

of Costa Rica. Catalogated many times for baristas the best the best of the best. Coffee of Costa Rica. Thanks.

That's how rich. Abitat is this. Correct. Very good. Costa Rica is the 6% of the biodiversity. Of the

biodiversity. The planet of the planet entire. It's in Costa Rica. Central America, correct.

What a marivia, what a museum of history natural. Correct. And there just there's a

part very important of the of the marposes, also that's very common. What's

wonderful. Well, so here morphus are this morphos that can be some mariposos

asule, are many great. Ah, so are and they're no, no,

they're they're in those they're in the salves, Wow, what What's great What we're

We're going to We're able to The Debt Levanted the Man, who Tienerner is the hour of the

Confessions Correct Now, now, say, The word, The word Yeah, The word of,

See, Who, Even, Evened the Man, All right, Even, With a

Two, With the Okay, Who has Okay, Who has more It's a word? It's very common,

It's very common, It's very common, It's super common. Who has Deudy Deud Debt of credit. Who has

a debt a not a card of a okay, targette of credit is the majority. leasing here, my

caret of Stephen, you know, the second of Uruguay, the bank central of the Salvador, the Reserve Federal of the States, for all that.

Excuse me, for all the the statistics is that the debt at a level personal still subing and subient and subbing and subpoena and subpoena and in credit of credit

impotecario. Correct. No, it's something of, it's a, it's a, go to be and sub and why is it?

Why is we endowed us every more the people? First, thank you. Thank you for the opportunity

to be here. Basically, what is something is a topic of consumption. Many people have been

prepared as from the kids, and I'm going to be certified on neurofinances, neurociences, and from the new ones have meted the time of papito, there's a papito, the cat, papito, the car, papito, papito,

and papito, right? So, what is what what happens, usually? The people are doing a probation social. From our

times initials, we're beings we're seeing we're doing a form subconscious of that. I think you've also, also,

also you've been about various in those episodes, and the point is the next, one person a buska-approvation, to feel pertaincy

with your car, with your car, with the typical publication of Facebook of the house and the case and to be able to

the other. And that's lamentably, you can't start to take a note with the first when it's

the 30% of your members compromutious to pay deudas is over enddeutamient.

Arriva If the 30% if you get us is a pay a debt, the that

is over- the Deutement. Correct. A Pesartner, in both Latin America, not we're going to talk to anyone in general, but in all the

Latin America, they're still even in the 50 or the 60% or the yeah. So, the bank, a much banks don't they

care. And what they is a new a new coceasas and so, and also in America Latina,

there are many there are many times that's now you're not you're talking in a bank. Correct. Ah,

I'm going to talk about to be able to what I'm what I've done in the two banks more of Latin America,

I don't want to say the numbers or never I've said in those banks. What did you do in those banks?

Look, I don't know I'm a story there basically never, I never never went to a person

with an opportunity of the cure of an order, mother solterra there's a long story that my radio social has

I've been told on various times and and the 18 years me say, no,

there's a better you do you're so, 18 years some days he's one of the

bank one of the bankers to the subcour telephonic to the bank on

that can serve to be the that you get to the madrasos, the clientes

enojured, always. Conting's me got to geth the money, the money,

the bank is a ladron, and I, I don't have the cause. I do it, but I

don't have the cause. So, so, so, I'm a raso, yeah, has a

year, a year, a new last post, was a executive, bank commercial in one of the

one of the one of the area of the country, even with the country in the business,

they were the United, and I all the model of the business financial. There's

companies that are going to go to go to go to get a and I'm a little

money to do this a little money also the money to the time. So, and the money

what you what you're what you see that? Of all. Persons people are to do that

they're to be able to because we're not the debtors not the debt not are badas there's not there's not

there's always there's we've seen that we're we're doing that the majority of people are

disposed to what is that way that's a point of a point of the support of

approval social. So, even they can't finance you a house, mean they're

in their numbers that they present to the bank to be that a house, five or six months after

the bank is to the door and he said, you're talking to the little bit of the

house, he's not done the right? In Latin numberico usually usually

is basically casita property. But if you're not you is the

bank? It's of It's true. It's a very chocante. It's one way. Here, I don't want to read the substantivity of nobody. But, lamentablely,

we've been programmed of a form in the where the people feel in dolor. Sienten dolor when they're getting a car. Sienten dolor when in a view of public,

they're going to get more. Sientenolored, and it's a car to get to the good college where they're, and there and there are many

situations that are very chocantes. And for that, when I'm when I'm asked, I don't think, that I'm dedico to the finances.

I'm a to save lives. Lamentably the 18 percent of the auto-eliminations in Latin America

is related to problems of money. Lamentably, the second reason of divorce is money.

And to friends, amos, and you have been. Yeah, apart this of the

deude is like the darko, no? And the topic taboo, exactly, we've been about,

the topic, not we're not a lot, not it's a thing, but it's a very important that you

should be to know, when when you to go to get to someone and about you're

thinking in casarting because not only is that I'm not a debt in that you know that's a

problem of the problem of the money, it's always always makes, because you know, it's a way it's

it's like a carbe in the tower of control I'm like a airport in the tower of control

and it comes. There's there's there's that's very important it's not

we've talked but like my my masters of psychology spiritual never never

is sufficient. It's to talk it 50,000 times. The thing to, let's you in the bank

you in the bank be you're people about the money and the car or the car that they

were these guys, of being me like the rich or see me to be

to get with the family to or impression no and we're not,

and we know know, but there there's people who meantia to obtain

a present personal that one as a executive I would have between lines it was to

get to the time there's a place to be in the person or I think I'm there's a person there's there's never

because they're not necessarily because No, no, would have a risk. Yes, it's a big. It's a big Eurotrip. 10,000, 20,000 dollars to 200 per month. And if that's all we summed, the Pago of Quotas of the Rampaign of Television,

the Pagoa Quotas, because you don't have an hour in an emergency. If that's all, and that's all over, and the Pauotas, and the Paguotas, you over the $30% of the increases. And what's what is, you know, do you let's say,

what percentage? 30%. Okay. So, how end? How many? How many? How many? And there's a lot.

And there's a lot. 10% A 15 So there Where you Where you know The stress The anxiety

That you You get a Asustado At the 3 of the And for that Marko I I'm going to

To save Bidivus To save lives To keep Stress Because when you Is a Menin'

It's a It's a It's a You can't With what You can't With You know

To be the So far the So far The security Personal of the people in the banks. Documents false. Wow.

Documents false. They were those contaders with public to make. And one as numbers, you know, I worked in the

part of the bank personal, as a bank PIMS, for example, and to me me, I got a, a state

financial, versus what I said the contador, and I go that's a business, and much of people,

do you know, and the number of, the name of the business, for their business, that's a

thing, when the people, and begins to revere a revolver money. That's the

for a whole is a thing. It's all the thing. A bit, why it's that it's

that it's so difficult to have finance sanas? Why is it is that people

not have finances sands? Okay. I'm going to talk about my gower

conspiranoico if you want, but because is the system educational not

not a education in Latin America. That's rare, no? So, rare. And now

now, here, here, here, here, a appell to the parents of family. Yeah, to the

papas, to the momas to do you. Busk an education financial. Because if you not you need to have education financial,

for your good, for the of your or the child. Because if you don't he's not a education

financial, until that that young, that young that young that's, that's a time, and if it's

that's not a bit of a person, never will be the spinita of education financial. And if you don't know

to be a question, I not I'm not saying about to start a function logarithmic and regla of the

cadena and equations quantical. Here I'm about how it's a question of the credit of credit

to have to use the good, the point of the time, the point of the money to be

a car new of agency many times a ror caravale. Things for the style,

that if a mom, a father, let me make me to be very much

good. But, but no it's not not you don't know about the the

numbers of education in the world, that had to ask how you

do you do this, if it's for distraction or is for design, is the question that I'm

doing I'm because I'm don't really think how if we're really we're we're doing

the rich, and the poor, they're doing people, they're doing that's a break that.

I don't know, there's there's there's very simple, to implement to give

education financial from zero. But my question is who did who'd

have a are the professors. And that's the problem that the professors, too, don't even education financial, then, so, no, they'd do. The professors in the sector public, private, are the people more indebted. Yes. More poor and more endowedars. They're they're paying mal, and no

have you to pay them less, and give them education financial, for that they can't transmit. And in vista of this point, is when a person gets, a, a friend, I mean, have gotten to people with 140% indebtedement. To me, have gotten to people that just the bankers no they're present, and they're to look to people in the world

obscure for that's they're in Colombia, the fact is very known the pressam got to got to

really, here in Mexico also the the time of the same that's the time they're they're doing

and they're they're they're doing they're they're doing it's a form of lavarned and when

you're not to give a hand a back on a back. So I then I'm if in this

moment it's going in this moment you're going to put a better than it's not

it's a exactly it's that you you can't you can you can't you can't you can't

a lot of a debt. Correct. Definitely. Correct. Well, the levels most low

of alphabetization financials, according the funds that we're doing, my team and we have used to

see, Africa and America Latina, the poor or the major or the more

or the little bit of a lot, not, but even a lot of the people in the United.

To tell to say something, to me have come to Harvard, for MIT, and not

they explained how is has a a present. No, they're a

credit. The majority of my students, I have more to be a six million students in 30 countries.

And for example, what is something of what I'm going to be a money. They're going to

over $2,000, $2,000, dollars and they're they're they're they're not, no, no,

because, no, because the more more, because the more money, I'm going to give me

people, I'm that's overest money, it's done shockant, but at final they're

to accept. that when when it's a lot of the money or the money that you do you need to

a year to do you a yearrea financial so you're so far it's a chocating some kind of

no, what's that that's no, that's about that you're gonna you're gonna you're gonna

you're you're you're you're you're getting to you're that's

that's that's that's yeah and it's the the thing

obviously, if you're in the poverty extreme, the problem is how you're going. But one that you get the problem not the problem

not is only the problem not you know, what you do you get? Correct. If you never never you

know the famous carrida that's the famous, that he's our great Robert Kyosaki,

that is the time I'm more gasto, but is something I'm not normal, but it's something I did, because

no, I did it because, when I'm done a year when I'm when I'm the first thing, you're going to

come to me a car more lusus I bought car my mom, I, I, I, I, I, I'm,

gastas, gastas, not I'm invests, I'm, so you're like you're just like

to be more better, but the poverty is the same, because it's an attitude mental.

Just to start the thing of the education financial, who who think

they're, well, you're the statistics that have the statistics that have been

that's there's there's because if the education financial is

a job, and not not not statistics, what is what region

of the world are the countries that are the major education financial, that have more knowledge of what they're

saying you. You know, say, say, you're in a continent. Europe, yes, only that in Europe, there

is a part of Europe that is very and that has a part that say, you know,

say, countries, let's ask a, so in Latinos. No, no, no,

Europe, we're in Europe, no, Mexico is a bigissimo in education.

No, no, France, Italy, there's three countries. There's

Germany. Yeah. Oh, no. Oh, no, yes, pardon. Yeah. Yeah.

Yeah. Yeah. Yeah. Yeah. Yeah. Yeah. Swesia. The Scandinavos.

The most blackitos, those more Nordicos. No? Those who were the people more

Blank. In Icelandia in Icelandia in Icelandia also. Exactly. It's says that

there's more of the population with a education financial. Correct. So, well,

there's a Japanese. And the Japanese also have a culture impressionate. Yes. The Japanese also, the

bomb atomic, it was made and re-educers and what was a disgrace, it was transformed in resiliency. Correct.

And in discipline. In change. In change, exactly. But, well, so, I don't know

not we're, it's a problem, I always, I always I always, I always, I'm like you like you

they're trying to play a a part of football, and not they're not to play football, but you're to play football. So,

so are the numbers. You know to play to get to get to the number, but not they know they're to do you know.

And that's in just because there's a public who the people more rich that is a person who is professionally

and you, that you, that's education, then they're to be able to play with people and you

don't even know, you know, how it's how it's a play the play the

man, it's very is very unjust, the very, is very that

you say, you say, I'm a a game of a the game, the game of there's, there's, there

are the reason that that are damas and cabs and there's, there are there, and the question is,

you're where want to be with the people? With the Steven, with who want to

get to start? Correct. Now the thing is that not easy as as far as

I'm to be to be the universe or me to be going to go to

we're Let's see. My mark personal in red is a shockant because I'm very direct and I'm not in the motivation of I want and I want to see who I

think in a plan of action. I think in a plan of action. Why the motivation is a pique? You play with your partner with your

and you back? And you're back? So, in vista of this, me permit you, Mark, to do a exercise of three questions?

Okay. All those who are being in the house, if they're going to and keep on carreterterer,

but keep me boss. Let me do I'm going to to do this questions. Okay? For those questions, you're going to

put your hands like, and not me going to be to me. They're going to be only to

your first. First question. How's money has passed a travel

to the hands? Since you've passed through your hands? Since

you're so you're so you're so you're so it's so so do you

do you do you question number two. of all the money that has how's

you've been you've been you've last question and your and you asktell to how do

that's the money is despericiated is a is a man very very very

very eroded damas and caballel I think with this we're we're I'm

to show to you can't to live your life and that they're

to to survive it. If you're arta, artas, arthos, cansados, cans,

to survive, mann't to the hour if you can live it. We're going. We're going. We're going.

Travages out of the house and you're your mom? You're work as the time

to the time to make a down to your family? Desafunately this story of

sacrifice that vived many women in the actuality. I'm Mark

Antonio Regil and this I live in car property. That just was the

story with the life I grew. For that one of the things that I want to say to is that is possible that you can't find an equilibrium between your work, your family, and start so the way to your stability economic. For that I want to

invite you a master class gratuit that's called Five Secretos for Your Biennestar Financero, where you're to learn how to not have time, to have more time, and to work that the money that you can't work for you. The

Master Class is completely gratis. Registrate here below in the Liga for that we see us in this class

gratuit and we're we're gonna and we're We're We're We're gonna find us

in the world we're gonna ask us to ask you make a introspection and you just then you know now I'm gonna

now I'm gonna how do you do you know how can't be a person to say I can't my pecations

my pecions yeah I want to to go to the Debt? Yes, is the point. Number one,

will be done a lot of what I'm going to say a continuation, but not they're going to not they're in doing this.

What? How? I mean, no, in serious. What? And the the worst

debt, or the is the market. The end of the end of the end of my deuds.

So, the enfoques should be not going to get to get in Deutas. The

82% of the people can take note of that of that in a moment

they're in the world they're a get to make in debt.

The lobo no learn. And then he'll the person and he's

so so then it is not it is a time, is that

they're a life of a life in where you have to understand

that has a different to that you can be

my very important is the lemme is the name versus so

survive. And many people, what are what are automatically when they're in theude

of excess of gas, subils the money, those those in the very big in that's,

man, gain more, yeah, but I'm, more money, but we're going to what we're

going to this episode, so you said, so it's a little back, so,

it's a point, if he garner more and he has a money, the

caraj serve? The carre of the rat. The stress more,

you're peor and you're puch, now I've done us three times

more and the money and the times and the that's the first is the

first is the not that not even even to do that biblical administer it so that you

do you do it in a word of words more for not not to not matter

now now question all the all the those are allas

no if I if you you you're that for a $800

$800 $800 in a property I generate 6,000 $6,000

$0 that is mal. Because it's money that you produce more money,

you pay those interests to you pay the interest and you can't money with that you know that's the first thing

in the person commonly in Latin America and here I don't want to give to nobody but it's for programation

you. You're to make a a poteca that's a fiffo is more than the 30

percent of your monthly but it's my casita property and they they're going to

and with the actual tases of interest and with the current for the

Reserve Federal, the United that house that's a last time before it was a lot of

long-plas now so you're to pay four or five weeks. And what was that

was a dream, that illusion, my casita property for what I worked my life,

it's in the life, so the most curious, is that I was that I

was talking with a person in the city of in the area of Polanco,

that is one of there's there's One of the zones of more money in Mexico there's much people. There's much

people. And I said that much people with enormous money never never that's all rents.

Rented and and say, I use the department new new, it's all five years it's put

yeah, I don't go to another and I'm going to my money to move on other other side.

I don't know. And it's the problem in the house. Yeah. It's the attitude

mental. But I go, to romper the stereotype, because when we don't we have money, when we'recems in money, one of the

aspirations grand is to have our own own and to have our house and we think we're not that we're doing, we're doing,

and then you know you're that much people that never the money, live renting without any

problem. No, you know, they're not they're having this trauma. And as they have this trauma, but they're,

they're not they're in the life. Let me to do you Neurociences. In the neurociency, to do in the Cerebro neocortex, reptile, and lymicic, no?

The Cerebrooket, is the we say, we have to be sure. And for many in Latin America, even if I implicated a devout of the security, then to appellar to that and the fault of education financial,

makes that the person commit a error innocentement. I don't know I can't call a person for a over-endeutamint. If you just let me check to the points

that we've got to we've done in these minutes and it basically no education financial in the system educative. My papas not me teach in education financial. The approbation social.

The bombardee of marketing and marketer that we're seeing in our networks that's over your casa new, over your house, the house of your dreams, and many things more. For the style. So, I don't put up a person at 100%. But poor-a-you-old, the

mode victim, or not function. Yeah. No, no, sir, pardon the a word could use but if you do use, but if you yeah the cagamos, we have to

accept them. And now we're going to move in pro to do a way. There's a thing.

That's a good. Paper isgenic. Double ojita. Disinfectant, the paper hygienic, the trapeado

or that. Incluso. Even much people exploit this this, this brillo, no,

of the house, the car the car to appear a commercial of, look,

here I'm with my seven that's how in my house, no has passed?

Yeah. That's, I'm the mind of the tiburon. Mente of the tiburon. The leader's,

well, more than this people, they're in this type of an idea of that's all that's a lot of

that's a car that's that's a rents, that's rents. $210 dollars is going to

rent a money. Yeah, that's look at this car, no, this car, and this car,

and I'm a carous, an Airbnb, an Airbnb, an Airbnb, and rents three cars and those

you're on the same. And so, and there's a form. And although some, some,

some, but even if not they're saying, they're not they're saying. Because they're I'm not,

I'm not, I'm not, so they're not they're saying, but you assume that's in their house

with his caros, and they're and much can't. And apart of that's the people more the world,

no, so those, those new rich, but the money, the people of the people of

the money of the people, the money, that's is the one, other than Polanco, is

a new an old old a little a company, and he's in a department rentable,

he's in a little bit of a little he's, he's, you, he's a millionario. And those are the

real millionaires. The new Rico is the that, ah, the Ferrari, look, here I'm, the cadenota.

And the marquitas premium of now, the markitas here, the marquis, Bersanche,

N, Bresanche. And so, and they're and they're and they're so, every person

every person every person that's the yeah, but here we're talking about that you're endowedaste for a

is a mental totto, yeah, now, talking again, I'm good to get us

so I'm good to get me no, no, no, I'll end up when a person in the excess in deudas, how is the

most form to get to doads and not to get in deutas, understanding of where they're not in

the deutas what is the semittita. The semittita of the job financial is the excess of of the gas.

Let me talk about a man Perez, but a Juan Pairs, but a man Pets, I

have passed, me has passed. A man Pets, he's a time, has a two years, has those first

increases for one of six hundred dollars at a month. Thence, then he gets to get to get to get to

come with his family to get to a new for your house. and when when I start

in your account is going to every and it's a same year, the same the same

the same the same the same the next month, the second month, hello, Juan Peres,

we've been about the bank in the bank in the bank we're very in your profile

and the best of credititio the men no has a record creditisio in his

excellent record creditisio and we offercees this target of credit

for a something of the the cardates the cardates

not for emergencies. But Juan Perez, what says? Uff, I'm going to have there for that. And that for that's, oh, that's cute sapos. And that for that is, oh, and that's a little, a year's

United. Oh, and that's for that's a little, in that my perry, he occupier's a rope. And that's for that's, and then, you know, and then your account, it's a little, because he's accustomed to that his account, she went to rapid the money. And use the

money of the bank, not the of Juan Perez, because the target of credit, no is extension of your money, take note of that of that, then you know, then you know, it's just a complication to make the account of the

card of the card. That the targetas malas, mal is the use of that we're doing good. No, no, I, I'll be used to,

I'm going to have my car, but I vacillow with my alums, and I'll say, is that the targetta no's going to get a lot and she's cheetah,

and then you're to get to terminal in terminal in the central commercial. I mean, there's people that have any kind of certain franchisies

of credit. And I'm, but why if the targetta not is like to get the morning and he's in the casinos? Yeah,

solita. No, I mean, to be there Dittany. So, that's the way.

Entendor that the excess of debt nace in the excess of the gas. Because, because as

your account of bank, your salary, no you can sustain that style of that's

that you're to the debt. The targetas. The famous targetaso. I have alumni

that work in these tenders of the times in many countries. And they're

that usually they're saying to the person passing to the word, I mean, I mean, I'm sure. I'm

I'm going to God, and I always say, I'm going to God, God, because we know to God

with a carger automatic? No, no. So, God, God, God, so what,

what, what, what do you what you can't Jesus up, so you imagine a

That's that side. Now, it's a but there a reason for endowed and it's

the fear of the money. The fear of the money. Why? Because there people

that for some reason and here there's many people in the students in the students,

in the students, when gets your to the account of a country, a little

a little a two, three days. But the question is why? This

to do a various situations. Number one, because of the I'm going to new, Patron

of Conducte Apprendida see that their parents normally were in the people who is the

subconscious that the subconscious is very powerful, what is the money, not you know, the money is

the devil, the people with the people with money is bad the people and it's bad, you're poor

but unrown and a poor but unrath and a man is a woman that was a very, very very debotam

me said in an in an in an training that there's that there is the

money is is that the poor butonrard. with much respect but I'm in the part of the

book the world the Bible says that's it's not not it's right, so that's

so that's that way, the need of the need of the need of the car fissos in that

car, all the people, we go to the man of an adult that's that's a

little car in all the Latin America is so much, so if for example the of the a little,

he said this type of phrases. If the boy, the boy that's

that's not the other than the time, I'm six years of the day, they're because my

father had been my father and they're and they're for problems of the money.

To me six years of age. And I'm that I'm going to those things,

and you know's to the house. And then then we're my mom and I

don't know. She, even with even with two and I know that I'm going to

be able to be able to that situation that for because of that there were no time there's a

where I'm in to make a water with a little to make sure I'm not a caravre that's not that's a

that's a way very a way that's a way to say to say that a other person

because maybe in your not you're you're getting well and the typical you know and you

see that's you know then then the message to what I'm to do and that's the first point

no actu in a more victim I don't I don't know any any of the victim exitose

today. Man, that's it's a good. It's a very very and it's

very and it's a thing you you know, you're you're doing you're about,

how it's about the life and also it's like a action. Yeah, it's very

very hard. Someone is someone they're going to be the help you never, yeah,

that's I say, that that I'm that's, I'm that's just, that's just without, and for

that's that are attracted for these systems piramidal that they're in 20% mensual and that's going to

be able to make a millionaires in 15 days, and lamentable much in that in Latin America have died

many people. The second reason for the person has had been in my experience, is a

real real estate marco, a, Mark, a, some sequester, a person, a person that

wanted a lot, a, some, a, some, some, in some

countries. Then when when it's a direct or indirect they have a real sale to the money and that's

for the money. And the money rapidly is to go to go to the money.

And third, the most dolorous is that much they're going to make the bad as people. When the

money simply reals to who really is a reals to who really really is

that you and then we're doing that's false that the people with money is

a lot. Are there people with Manor? There are people But there are poor Very bad That's supposed to To get a

Mata for a Pocker And that when They're money Simply it's Right, That's what you That's saying

So, yeah The money Like, If you're Miner In the Mnors In the world

Fisiko So, So, then So, what can't How much you can't get you

You know, less that's You're going You're getting You know, then you're You know And it's

And it's Can't It's can't The money not you do you

know I'm good I'm not because of people who don't know they're in

rather the people think that's bad and then so that now. Now, me go to

go to go to another point for the time to get to be the

focus not is only in not is not not to get to

mark what is the difference for you between pleasure

and pleasure is the pleasure is that in

this moment it It's like the food, no. That's adon, what rick

is a good it's been like, pleasure inmediate. Felicidate is not to not have

overpeas is not to be able to addictions. It's a two things completely different.

Take a note because that has been to be with finances. There are people who they're in

a car. And yeah at the three days it's but there there's the day of

years. A car, a bolsa another part of a lot that's a

car for a car for impuls. Wow. And it in three months. Heard

perdi's $30,000 to engage. Wow. And that's a situation very in terms of

health mental, what is very delicate. So, what is the difference damas and

people? And so pleasure and that's you're sure of that pleasure when you

go to a company and is that I'm really, I'm not about about the

but that cellular that you see that everyone can. You can do

I'm going to be used to I'm used to be used to make sure that I'm going to use markas you're going to buy the iPhone $1,600 $2,000

and then the first time you know, a pleasure enormous but when yeah yeah

the next month no we put a camera to nobody in the house when you

when you when you get to the quote you you're oh 80 dollars yeah at

me stress, uf, at a time 80 dollars. And for you you're you're on the

phone phones new. Uff, 50 dollars more. And so we're going, when you know,

a person to get to get a salary, they're in small quotas. Yes.

Right. Now, the pay to get a lot of no. But, but,

I'm notably is the instrument favorite of a person that person that doesn't

to be to be for the money, but to have to do the money.

And because to make sure to make reality. Makey-a-a-a-a-a-maquilla. It's like, it's, it costs,

but not cost, but not much are not so $80 dollars a month or $20 dollars a month. Yeah. And there's

the thing, no, that if you want, if you want to buy the new iPhone or the new galaxy or the new,

or the really, I'd rather do, I'd do you know, I'd be to be a out?

Now, what use you're going to do you because there people that's a lot

in a cellular of $2,000 to be TikTok, Instagram, Facebook, and to make the

relash of the companyers of the office in WhatsApp. Yeah. And yeah. If you know, it's a time, it's a

time. It's a lot of different things, a level of a camera that can't get in 4K, and there are to make a new thing,

and to do you, it's a thing you're a tool. Of course, you can do you do something, if it's,

if you do you use, like a tool, I'm a example, not is of the arrogance, but I'm, like, I'm talking like a person that I'm trying to

predicate with the example, I'm I don't have officeina physical. What is my officeina? Your telephone? Correct.

So, so the telephone is the phone is the only, and that's what the people have to understand. How I'm going to

get much in that time, because it's not on any way, active, passive, active, you, you make the money to get the

money to passive, you get a lot, you're doing, what is what you going to buy? what you're going to

be able to in a house, that house can generate $500 dollars extras a month?

Yes, is an active. That house I'm going to pay $3.5 those. I'm going to

pay up impuces, I'm a pay for a passive, obviously. And how I do you

the passives? Like a a sang-i-wela that you take a back. Now, it's a

mal to buy to a car of your own, is a little bit, is a

little, is a bad, is a bad, when you have finances ordnated

when you finances and when you know when you know in my case personal I know

that would be more rented to buy and many times of my life but I

like to be my house because no I'm like to have the control.

Modifications modifications modifications the paint what I'm the thing I'm

and the and like never took a car of me I, I, I like not to have psychologically

the idea of the idea of to pay the other. It's psychological I know that financially not the way

but I'm doing so I'm so if I'm a department I'm doing, I'm doing that's a good investment

because I could find a but even but even so could be a investment. Because when

they're when they're in the price? In the company. So, if you

come's a house, an apartment, that comes in a person that that you can't you can't

you can't be able to pay. Yeah, the you can't 200. Yes.

But you know, but you know the value of the market is 260 and you start the and you start

the price of you're going and two years after I think it in 20 in 2090 you're going

to be a crisis of the realises and it's all caramas and he back it

but what I mean is that you have to have to have to be a problem

is to buy you're a passive thinking that's or that you're in

your reality or that exactly exactly So, so you have to say, this is I'm conscious of what I'm buying. If I'm a car new,

I'm conscious of what I'm doing. And that's because I'm other money invested and I'm, and I'm not I'm living all day. Yeah.

The, the thing also, the thing of the funds of course, okay, here we're talking, that the time to get more,

necessarily, you know, necessarily, to help to dode, or of problems of the money, but if you have three sources of

clear and concisas, that is the minimum that I recommend. Obviously, that it's more simple with education financial, to have a life of mercement and abundance.

And financeos ordained that, no? You know, you know, you know, you know, Hotmart is the platform perfect to convert your knowledge in

products digital as like e-books and courses. The best of all is that you need to invests and be an expert in programation. Create your first product and

to sender it's more than than you imagine. With Hotmart, you can distribute your content in more of 188 countries.

This means that your ventas are 18% better than other platforms. As click in the in the enlaces you know

or read a hodmart dot com diagonal EES and reistrate now right myself. At a certain

you'll receive a guide a pass to start to start your business to start

the podcast. And now we're going we're talking about we're talking about we're going to talk about the two

deuds most common and well see it at the final of the day, the debt hypothecary, well,

is a sanguilah but for the least you're living in a house. For the least you can't have to pay it more

a more it's tangible. It's tangible. And if it's that there's that you can't get an addlanting

pagoes and you're saying, instead of in 30 years or in 20 years, you'd could be paying in 10 or

in 7 and of a and of a sort of you could get to get to something to say,

I'm going to say, I'm going to get to get to you could you know, and you'd

get to other city more and I mean there's there's a possibility, although not you

have been to get a better but the debt of credit to that's like like the so you're

that's like in what in what's in what in the in the in tases, in cabritos

in vows, in vows, in vows in, in what's there's no, there's not

tangible, no me I'm with the state of the state of the state of course.

We're What do you have the targetta of credit? Sure. D. Look, Targetas of credit, number one, to make note and

if you want to they can't tattooing in the front. It's not a lot of the people, I know,

I know, because it if a bank, you know, a line of a money,

to get a $5,000 more? No, am I mean, a man, no. So,

we're very conscientious, what is the thing is the bank? A bank, a bank, a bank,

a man, a person, take that whatever whatever So, understand this.

First, how he's a bank in the majority of the country of the country of a lot of

money of the clientes, 20% of the clientes, 20% of money of the clients where they

do they think? Of the the CETs, I think they're saying here,

certifications of the certificate of deposit a plaza and and you do you guys

think you they're doing that they're that's a borough of a boath you're not a boed

No. With that with that they're financing hypotheques, targettes of credit and credit and

creditors personal and reconsolidations of de deutas et C et C okay

so the banks so no existiering if no they're not they're

not a business when you know so it extension of your money

you have to pay that tax to countado because if you not

you don't say that means that has a direct a excessive

now well, even, even you make the pay of contado and you you get to a little bit in your

account, it's a redflack as they're a redflack, a lot of an redflac, enormous. Alert,

I imagine you that's, like you say, they're going to get to that's the amount, the cardata

of credit, because I've had been a student with 17 times. 17 targets of

credit. Just are not in case of one. If they they're they're not, they're

they're taking years, I'll tell you, when I come in this, I commenced in this I'm in this I'm in this time, I'm

in this academy si dada assesorias and they'd in person and they put in like the 17 targettes over the right and Mark,

no, he's, no, does he, first in what carous, they're in, that's,

I'm, I'm, I'm gonna then, so, in what carter they're, they're going,

for the supermercats, and is that this, this, that I've got to the and so so

and so and so so they're a lot no person needs more to do this and that

they're in a objective different a new person to be a personal a new new thing

yeah yeah yeah yeah yeah yeah it's other other

is other but at level personal no and I let say something

like someone that has been to be on those vendors they're

on a business they're not even somebody who have been there they're

like robots, that you know what's they're saying you know how to get to the people.

And yeah many banks when they're not so if someone has been to be a lot of

you're doing, the time of the target and you know, and you don't they ask you and to

the question is, and to they're doing. Yeah. To us to the where you do you

do you do you and you're and the new and you get an

new Latin America of the that here I'm going to the young to the

young, to get to get to the time to make the limit of the limit of credit.

That's the name of the big creditisio. So, then. So,

number one, the money is your money. The of the bank,

no is your money. Number two, no have to be it

as a part of because if you're like a person, when you do you

come in a when you did it was lost, he got to

cost, I invite to everyone the rondas, to those who are the alcohol. And get the Pago in the

state of the state of the count. And he says Pago of the countado and there's a basilon

that says Pago minimum. Pagomino. See, that's a Pago Pocker in the chachito

of diablo. It's satanaz and malo malo caca they say to them to the children

so. So, Pago minimum. No. That is the one that's the

bank that says oh no that that's a client, I want more so. Sure, because

the tax of interest, that's the cost of interest, a tax until when you get to Cositas more dina. I have my

targetas, both of the business, as the personales, in the pay total, absolute,

automatic. Every month, every month in automatic, in digital, so, just me get a state of

account, pay automatic, yeah, it's, thanks for your pay. Yeah, so,

the 100 of the cost, yeah, in those times, is very good, there's,

there just there's, there's, they do not cobros, or make, they're, like,

oh, and I'm to make a car, so, so, account. So,

not more than those stuff is a of the one of the other things. Yeah,

because it's a good, it's a discipline. And then there's a money, I'm money,

I'm used the time, I use the cardes, they do you get a money because they're in a car job that you do do you do, because of the

money, yeah, yeah, so, I've done my last way to Brazil was in the

commies. Yes. Purell class executive. I don't pay him because they're

being used. Now the people have said, it's that the time it's you know, but is that you're

not going to when you're making the interest? Sure, how you're not going to it's a

no, it's no, it's a vehicle. It's a part of it's a parted to it's a

car a new thing a new a target of and here so my contador so my

this all, in a in a, in a target, in what is deducible of the impuces. And what I put in my my target personal,

neither is because I see that this is deducible of the impuctions. And yeah, and so, you're, you're using it.

And, yes, those that it's a target, platinum, and, you get to the airport, and you enter

there's a service, and what you want to be, your, your stimony, your stimony, your stances,

but no, no, it's not, it's not, it's, it's, it's, it's, It's just a way

of a pay for to use an cheque like this. There's a cheque as much use a cheque. It's the same. Tarrata of credit a check and a

transference international, national. It's the method of payment. A method of pay. And if you use it well, you can't

take a profit and you can't an excellent tool. Correct. That no you do do that you

know, let me to one of my methods that I'm to say to dooms and I'm

the tank of oxygen. I think there many many many people know that that you have talked

about about about the famous a fund of emergency, the fund of a power. Because I mean I like to put to give a number

peculiar to the things because the people when there's a number different and so on an neuro-apprendisage. The tank

of oxygen, many of you have seen that when a sub-vety a not a come in one,

they're in two, they're in three of the one of the door and then

all you have to be a person, when a person not has a thing that a fund of a

It was a more of problems. So, what you use in the water when

you're busier? Oxygen so. So, we're so, we're all

in this life we're to be to be to a a a

family, a our mascot he'd get cancer in the vaso

and we have to pay $7,500 dollars of veterinario I

passed a 31 December after four years. It was

to to your a partner he a quist in an ovario and there

have to operate to be in this going to do you do you have to

you know and it's a baddall and it's the end of emergency the fund of emergency is

for things very small as a you're taking a water even

to the to the most that's very those who have been and only

on the 530 of the time Marko you have not

occupied more of the services. Until and then and then and then and three, four, six months,

after a year. For that's the pinche fund of emergency. For that is.

And there people that don't have no dollar abhorraud. Now, well, I

know much more about about the bolsa, and in that I say the

dollars because if only you only about the inflations is like Pacman, it's

money, but in This case is the only... It's a part that me I like to not to have psychologically the idea of the rent to other. It's psychological.

I know that financially not the best of but I'm doing. So if I'm a apartment, I know what I'm doing to say, oh,

that's a good investment. Because I would find a better but even if could be a but when they're in

the prices, in the company. So if you comeas a house, a apartment, that comes in a remate

a bankario, that you know that you can to be going to be paying. Yeah. But you know, you know,

you know, you know, the value of the market is 260. And you're just after the, and then you're going to get it. Could it.

If it's that's up, if it was a crisis of real-reys, and it's went to do all caramas,

and he goth, et cetera, et cetera. But what I'm referring is that you have to be to be

to be a problem is a, a, a passive thinking that is active. Or that

is a lot of reality. Exactly. So, then you have to say, this, I'm concerned. If I'm a car

new, I'm conscious of what I'm doing. And that's because I'm other money invested and I don't I'm, and I'm not

I'm living all day. Yeah. The thing also of the fencing okay, here we're talking

that the thing of not necessarily to help to help to dode or of problems of the money, but if you

have three funds of clear and concisas, that is the minimum that I recommend obviously that it's more

simple with education financial to have a life of a merit of abundance and financials, sure. And finances ordnatedas

not. You know? You know, you know, you know, hotmart is the platform perfect to convert

your knowledge of products digital like e-books and courses. The best of all is that you need

you need to do not you're an expert in programation. Create your product and do it

more simple than you can't you can't distribute your content in more of 188 countries. This means

that your venters are 18% better than other platforms. Make click in the enlac you know

or be a hodmart dot com diagonal ES gion mex and register now right right

after you get a piece to start to start your business digital with hotmart

the first and now continue with the podcast we're we're about we're

we're we're talking the tickets because are the two deudas more

more fiatte at the final of the day the debt impotecari

well is a sang in a but for no less you're living in a

house for the you can you it's tangible it is tangible and it

is a it's you can't you can't you're you're going to pay

and you're in instead to pay it in 30 years or in 20 years

you you're you you're you're you're you could

get something to I'll say, I'm going to retire, I'm going to start without a lot. Or you'd have to be a

other city more barathe. I mean, I would have more possibilities, although not you have been to buyes

to make a credit of credit that's a kind of the exercise of the hands that you know, that's going,

in what's in what? In what it's? In the chapatos, in bolas, in corbattas,

in in, in, in, in in, in, in, in what's there's,

there's nothing that's not tangible, with the state of the Count. The state of credit.

We're going to the targette of credit. Sure. Dallel Dario. Look. Targettes

of credit. Number one, take note and if you can tattooing the front. No, it's extension of

your money. I know why think that if a bank that's a line of a

money to for $5,000 dollars. Now, I can't $5,000 more, no,

I'm even. So, we're we're very conscientious. What is the business of

a bank? A bank a bank is a take that take what whatever that's what

I'm that's a no, no, so we're we're not we're in the most of

the majority of the country of Latin America a bank a lot of money of the

clientes, 20% of the money of those clients of the where they're where they're

the of the accounts of the CETs I think they're saying here certifications

of certifices of deposit a plazo and you you guys think you think you say you'll have

the borough of the bank, they're a little they're in a boedda. No. With that

they're financing hypotecas taxed of credit, credit, personales, reconsolidations of deed

et cetera, et cetera. So, so the bankos are a no, existiering. If no,

they'd be of the countries when you know no some no so it. So, okay?

So, no is extension of your money. You know have to pay that

that target of contado. Because if you not pack that a card set of contado

it. You're a direct a cashier excessive. Now,

even, even, you know, you get a little in your account,

you know, a redflak, as you now the young, a redflac, an alarm, alert,

so imagine to get right, the alarm that's, that's the money,

you're not a card of credit, because I have taken a lot of people 17

targetes. 17 Targett Decito. Just are in case of one.

If they're that I'm in one to pay the other and they're in a top an ojo

with a time. I'm going to when I'm in this I'm in this I'm in this years.

I'm in that I'm only only I'm this academy did assesorias and they and they

were in person and they put in the seven on the and so and Mark

no says how car no use 17 targetes first in what carter they're

in they're in so I so I'm so I'm so in what

so? In what what you do you you're going to use. No, it's that this I have the supermarket, and is that this, it's like this, it's like, and this is that I'm okay, and so you can't.

Tome note, no person needs more than two targetas of credit and that's with objective different. At level personal, because you can't have a target of your business. Yeah, yeah, that's the line of credit

revolutable, commercial is other, is other, it's other thing. But at level personal, no. And I'll say something like someone who has tried to bank, to those vendors of the cardetet of credit, those put in a month

in trainingment, I don't know if someone here who's been sold to have been used on the past. But they're they're

scripts of ventas like robots that you know they're saying how get to get to the

people. And yeah many banks when they know, I don't know if someone has been

to be a false you, they're they're doing the time of the target and

yeah no they they're they're not they're and where they're doing and to

they're they're they're to come to do you? To be the And, and the more

you have a new and they're doing an offer of new and you get in many of America, here I'm going to I'm going to

to get to get to get to the 26 years of automatically the limit of credit. That's the

name the bin credititious. Then, then. So, number one, the money is your money.

The bank is your money. Number two, no, they don't have to be it

as a presentable because if you do it like a person, when

they're When you was he was over He was He was over Caste He said He said

All right To the Rondas And the He gets a Pagos The state of Counting

And he says Pago And down Bacolone That's a Pago Minimim Vaguer Miener

Pongan In the Pachitos Satanus Satanas That's Mano Mala Mala

Caca C Caca And then So Pagent Mimim No That is the

That is the That's the Bank That's and he says, oh, oh, that's a little client, I want to more so much. Because the tax of interest

is the most high, until when get those taxes interest in a targetta? In Latin America, there are places that get to the 60% of interest.

So, agone the number. You're using $100 dollars with a card of credit? And how can't pay them paying the bank?

And if you do that's the minimum, the perfect, because the bank says, you cover the interest,

the 20, 30, 40, 50, 60, so, over the and you think is that those states of

account, but that's one of the more of the other ones because it's one of the discipline. And then there's I'm a

money, I'm a million, I'm used the money, I'm, use the targetas, I'm doing getting money because they're

doing money, because they're a percentage of the venture that they're in the business that they're doing that they're

so they're not, but one, the total, so, and one they're not, they're gonna make,

miles, points, what you want, so, yeah, yeah, of the actual my last of

Brazil for commillas. Yeah. Pure mills, class executive, I don't pay in a five. Because they're saying, now, the people have said, is that the milas, and I'm, is that you, but is that you're not getting anything, comillas when you're saying the pay minimum.

How do you're not? How do you're not? How does it? It's a vehicle. It's a vehicle. It's a part of you. I have a, every new thing, a target. Then, then you have the target of credit.

So my contador, well, so my contention, in a, in a taxet, in what is deducible of impuces, And what I put in my targetta personal, neither is because I know this is deducible

of impuests. And you know, you're just you're using it. And if you know, the cargette, platine,

you get to the airport and you enter there and you're at your, you're those, you're doing those stimoros,

your stimoros, but no, no is any for emergencies. It's just just a form of pay in bays using

an cheque as much used on chequees like, there's a cheque, the money, a cheque, a cheque,

a transference international, national, it's a method of a method of pay. A method of and if you use it well, you can take a profit and you can't make a excellent

tool. Correct. That no you do get it. Correct. Now, let me go to my methods that I do you know my

alumni and I call my tank of oxygen. The tank of oxygen, I think that many people know that many people know that's about about the famous

fund of emergency, the fund of peace. Because I do I mean to put a number peculiar to the things because the

people learn when there a number different yeah is over an neuroapprentice the tank of oxygen,

many of you have seen that when a sub a year not you know one, they're in

two, or they need two, they need to get to be the door and the whole, so that

all over here. What is, when a person not has a a fund of emergency, a tank

of oxygen, it's like if it was a man of problems. So, what you

use you in the when you busiard? Oxigens, yes, no. So,

So, we can in this life we're to be to be to be used

to a new a family, a car our mascot and we have a

car and we have to pay $7,500 dollars of veterinary

I passed on 31 of December after four years. He

was going to do a partner to do a car in an ovario

and there to operate to have to emergency. Going to

pass many things. It's going to your auto parked out of out of and it's a little

it's a rulled. And for that's the fund of emergency. The fund of emergency is

for things very small. Like you you've you're doing a little to do you

and that's very much have lived and only those who have lived and only those to the

time at the time. Marko, you not occupied more of the services.

After all and without a job for three, four, six months,

this is the pinn't a financial. For that's, and there's, and there people who don't have

any one dollar abhorred. Now, I'm I'm going more about

about the and the realeses and in that I say the aborraors are you

don't because if only you only abhoras abhoras the inflation is

the only reason valid for to know. The fund of peace. Yes,

the tank of oxygen. Pongal in the name that we want to be the time.

I'll do my second to do you do it in first phase and I start to take

a note of this. Phase one they have to run $1 in the

next 30 days. But you're low you're talking about you about this

are three salaries in many countries? You're loco? Because it is like, it's like, what number more lindol the 1,000? It's been provenable that

$1,000% of his imprevistice. That's statistic. Number two, what is the next phase when you can't that's this?

Complete with your presuppuest, you're 20, 30, 100, 100, 100 dollars a month, and you're going to get your tank of oxygen until you

get to complete to four to six months of your gas. Why? Why? Why? Why?

Why? Why? because could survive after six months without six months and

not with the pincha of credit so that's that you're you're in the stress

that you're that you after that you're not you don't you know chico

chas but that's very real that's what is what is what is what

is the that's after that you're and you you're to start to be

to when you don't when you don't that's it's normal. But because

it's normal not to say that's it's not apart is to live out of the reality

because obviously we're we're doing we're we're we're we're all

we're doing we're not and a lot of people who there's a lot of a crisis or maybe a to do you

your business or your carring the job or to a perrita a

a person to do a thing so it's so you're to be and then not be

not being the life is so the life is not real not real not is it's living

like in a in a in a yeah yeah yeah no

it's all all all all is all all yeah yeah

yeah yeah the life is so the life is so So if we're going to the reality

that the accidents I'm going to have a fund for those accidents because tardy time and that's not a negative but tardy something

but there's something that's saying to have a to have a fund to react when when it's how much

value the the pass mental to know that you have you a fund for that if something

you can't you can't a question how does that I'm a question You've seen the

babies of three, four months to to be there's a few do you? You're debuts of those

those are those people? They'd like to do you like a four months?

Yeah. Agan something. See? Because it's the path mental,

the path mental of the financial. I'm to put an

example, de new from what I live, because I try to teach

to learn because I'm in Columbia. One of my I'm

in Medellin and I go to my team, we're in a delicious

badeja Paisa. Three hours after, 10 of the night,

me they're at those retors and it and they're to be those retors and I

start to put palis and I start to put the labos marauds. Addivine

to go to go to the hospital. And the only that was

the better of the Mediin $600 dollars interned all the

night. four bolses of three medications an intoxicator of those of the madre yeah yeah

and the question is for ditch in medellian general the medicine is very economic in comparison to other

because that in Texas in California in California in that's that would have so that

I was done two months before two months I'm I'm I'm I'm

when I was when I was living in Mexico my mom to live in the United I had Alzheimer. I don't

know that I had Alzheimer. So she had had been given money and she had to do his finances. She's

a new in the hospital in therapy intensive. No, I had paid the security. The security

of the security of medical is been seen and they had to get a day of

we're having to get to to get to the hospital because me they're to get to get to

the hospital because not had no money and I had to give to give to

give us money in effective. I cost about about $100,000 $14

days in the hospital. That was a new money that yeah and as I didn't know,

it was a money that you have paid and it was a thing, I'm I'm going to I'm going to get a lot of

and who's the money? And I'm, And I'm in the angustia, because it's horrible. As it's in English, shit happens. What, mad. The cagadas occurrences. No, so they're going to occurrude.

And it's a super-incust. For fin, I've got, for fin, I'm going to earn a $100,000 dollars. For fined it. Madres, in the hospital, so it's so you get to the hospital. And I had to, I took to deposit it in the hospital, and I had to firm a card responsibly of that if she had to get in the hospital, I was responsible to pay all the gas

so friament and the department and it's horrible that's your mom in therapy intensive and you're talking with the department of finances of the hospital

that's saying that's this or a way to and yeah no, no, no, no, I don't,

I don't know in plasos with interests and I'm and I'm paying like 100,000 dollars after having

paid impuces of those $100,000 that shit happens and that that can happen to take a whatever.

To make a lot of to yeah, in the The costs of health I have the case

very rapidly of an woman I'm in Manhattan and he's a sitting a

gasurita in the eye and he in the eye in the body in the

body was a particle a metal operation in where?

In New York $72 $7000 $7000 ambulatory there a bit

yeah yeah yeah yeah yeah yeah yeah my perri

that you had a that had a treatment of a heart and the treatment costed

millions of dollars. But, but also of that's the legion of the right and the

operation of the right were six million dollars and not I was sure for the person and then

he was in the other roadia. It was other six million dollars and at the two months

die of a paro cardiac so that that's a person, in gas in gas in the cost

millions dollars in Texas, in Austin, Texas. Yeah. So, shit happens.

Correct. Man, and it will pass. It's going to pass. So, for that side, for favor, the maldito

tank of oxygen, no, let me, that's going to help you. Because if not it

they're going to recurrying to the debt. And many times even a target of

a credit support that that type of gas to have to get to the money,

to be to his sonovio, of your newia, of your ex, of his

the And, we say those people not exist an network, a know of

a lot of a lot of that's a got to get that they're that they're not a uncietyety

and they don't the money that you know where you know that's your identification. Correct.

So, armen that fund of reserve. You can remember that we're that we're

that's a way, the form more rapid to get to the $1,000 to get to a car

to go to a first all right. All right here house, yes, or no?

Vendan that mad. Vendan that that one use in that computer a new thing,

but they're to make it, but they're to get a little. I'm a little bit of two

two rooms to my house. And each one, has a television and you, no,

man, they're not, when you get them, disappear, desaparces that disappear,

desapes, Rueue in some Taker, in a little in the memory of the a little of the

stupidesses more than financiales that we're those things if you have money, you're so

not going to not happen but when you're not so you're in a then so you then you

get a apartment to a house and you're I need two two abitations and one is of visits

because that that recamara and a and a room to you have to be the cost of

that cost of that a house or a department in a 20% for a

for when they're when they're the visitas you would be

better to pay the hotel to the visit as when they're going to have a department with a recamara extra for visits if you have

if you don't you know your finances no there's but if if you have a bronca then so

for what rent or to buy a house where that has a recamara if the recamara is to do

that's another that's other but so like to have it there's there for the there's

there's much magical here they're trying to mammoni having a grand a TV a camera

king and grandissima for when they're all the visit. You're being Mexicanized you? Dem me my residence

carnal. That's the pinche, the target and mammone and all you've you've given your

barnisata you're you're going before the last of the car Mercedes is my right

to make a man to make sure a man with before us before before

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I'd like to cover us how how to goger to what deuda me I'm out. How, if I'm indeodado, that's the point of the podcast.

If I'm indebted, indebted. How elizue to pay? How I'm I'm out of the debt? Okay. There's various paths. Number one, has to know

with who is playing. And many are you playing with the amazia. Well, then only is that term. That's what I'm if you want, if you're going to say to do that

you know, but you're to ask how much he, it's not. Well, Don Banco, is that, I mean, I saw a star in the podcast

of Marko and says that I'm to say that to be out of debt. Don Banco,

how do I do? And not only has that question. The word correct is,

Don Banco, I need to a projection of the side of my

debt. If I want to make the other month, a projection of

that is what they need to pay. That's what is to

projectar's to future. So, so what what is what

is what you want, if you want to pay, I'm a

example. In the part digital on the page web of the bank

sale a amount. But if you canceling that month, then to be a interest. So what is the

what you do do you know to get to know what I'm not to be not done to be technicalism. But basically

is that the interestes not cobrated or not devengados to be in that projection.

So now if you pay, or what they are you pay them and you you know

really the month, the month real, not the month that's in the bank.

Because that has no has a project that project actually. So that's a saldo total,

of that that month, that month no, it's a lot of not a lot of so, I'm going to

get to be. No, it's the amount that I'm to pay. You have to give the project apothecary

with a credit that's insoot, and I'm, you're, I'm, it's, and I'm, and , if the credit is to say, and I'm sorry, and I'm , in the United for example, you can't pay a credit

but you do you do you want to pay a but you're a penalty so they're they're going

their interest sure in Costa Rica the penalty that exists if you pay more than $10,000

extra the quota and a penalty of a penalty but if you pay you $9,99 extra

no no there's that you're to ask that you're correct. The abogators they're

those those people doads have to put them in a list in a

a box of Excel, in an iPad, in where they want, in a man, where they want, the amount that they need to pay per month, the amount total adeutated, the number of the

entity financial, and if you can, the tax of interest. The bank is obliged to give us those those data.

When you you have the list of deudas, typical Bolanier of Ramsey, from the

most little, until the most great. The The not the

other is the what the what happens. Let's the first thing you have you know, the first thing

is to make a question, chas, chiscus, if no this plan of this plan of action

is going to simply that's really that man, they have to a person,

a first time, you can't make a five five minutes one hour. But when

it's all the every every time, you're to take 15 minutes, of Netflix.

Okay? Much times not because they know they know how they're doing, but they're

because that Cerebro-Reptil says, no, what, what, they're saying okay, so,

yeah. So, you're more grosser than I. Ah, pardon, if I'm a madraso,

a bad a bad a bad no, I'm not, you've seen that's common in Costa Rica

but that's a grosserica but that's a lot of that's over. So, if you let's

say, you let's say, the I'm going, like, I'm going to bea, weir, well, you know, you know,

you know, you're talking with confidence. So, you know, to come to those debts. When you

have got to you know, you're to imagine that's a victim. And I

do you know to my students, to be to be to be a franco tirador.

And he will be to do that first debor. Stephen, how do you do you

do you? So, is a present and your is that you can't make to malgastar

20 dollars diaries, there's people that get to get 20 dollars a day all the

times. Multipicable that's take me in a calculator for there, no say,

20 for 365. 20 for those eyes when they have the result no, see,

so 20 for 5 are 100, the more two days 140, how? 7,000,

$7,300 dollars. And there people that I say that I don't have I don't have $20 dollars

$20 $7,300 dollars $1,000 let's go let us let us let's say

a example of that a person every time every time a coffee in Starbucks yeah

how costs a a coffee in dollars here? Well, no, more than the

is that I don't know we can we say we're not we're just multiplicate three

three three but it's chiquito the coffee oh well no no

no so Contances. 20, or something, it costs that that's like $5.

Okay. It costs the same the United $5. Yeah, $5. And we're

$5. $25. No, no, but sum them the bagel. No, no, let me go

the coffee. Put the muffin there. A poe a little a gadget.

The gaitita. $5. 5.25. Okay? 25. $4, $100 dollars

at $1. And if Pitaguer not a tonto, how is $1. There

is with the calculator. $1,200 dollars. So when I mean, when I say, Steven, I don't have money, I don't

know what I'm never there, but is all gastated in diverses this is equitative when a you invite to a

event that simply not they don't get to and what is our response? No, I'm sure. Time

always there is but is malgastated in different places. For example, there are people who are

getting the 40% of your day in TikTok. And this is for statistics

of the same platform. 40 of your day, scrolling, scroleading, as a zombie. If that's one of the vices moderns, the most more ferventemps, more, more

fervent, then, so, if there's, then, when you know that you can't get $100 dollars extra, that before, mal-gastable, not it's like that's got, no, it's like, it's got to, well,

relativelyly, it's going to be able to now, because now it's $1,000, and the quota of the first debt is of $250 dollars, or is a pay, a mess

without, a month, without the interest of $20 dollars a month, he met a gold to get the gold to get the amount. But you're going to

you're going to the most... The most small. The more... The more... No, no. The more...

The more taxa interest is an avalanche. And in my experience, the best method that functions is the ball of

the new. Why? Because when you had you got to the first deuda and before you

had $20 dollars of the quota for that the money, that you got to

you got you got to your Presuppost. We're going to the second and you're going to get to the

$1. What is the cost and the 20 of the last of the last you're not to get in a old house.

With the debt number $20 dollars of the first the second was $100 at the month,

more the $0. The second of the money and I'm not the first of the money

to be doing a lot of the need to be getting to get to you're going to get to the more

than you get to You start to to get the money, that is to get me deities.

Correct. So, when you start to get more free, that's the moment, in this moment

not going to do you know, we have to be very honest, for favor, honesty. If you have a

life of five, 10, 15 years taking more last decisions financially, that,

for far far, not so you know, the fallace of the fallacy of that is

a fallacy of a year. You have to know, this is a project. This is a plan

of action. And, and not will go to go to a couple of

months. And even even the lotteria, the 98% of the people are in the

lotteria four years after they're in the quivera and they're not the lotteria.

They're not to focus that plan of action this plan of action. Some of one of six, a

other more, a other more, to others, that's not a lot of this is a competition

with nobody. I'm you're in a style of a style of a form

of a form of a form of because you have a a purpose in place to buy to

buy your iPhone or another that you know my my game is to pay the money and

you're going to start and you get a feel space yeah even up your own

your own now now of the same so can't how is the percentage

in the amount of how you're what's what I'm money attention

what I what what's what good That's the thing. Chingado,

you know, that's a very shingado. Chingau. Chingau. So, so, then when

you're going with this parameter and these deudas, to have been to have been to have

the percentage in the deutaminted. And what is the percentage down to 52 to 48?

Yes. And in some of 48 to 42 to 42. Yes. And in some of

42 to 39. Fura life. Pure a life! That's good. So,

damas and caballero the numeritos are the numberites are not that's made and not can't

make sure. And many it's terrorize to do this process. You know, because

you know, you know, you know, you know, you know, you want to a

piece of people and there's that I'm not that you don't know. In all this

so you know this does a much way. Enfronted the reality. No, is to pay

debuts. It's to confront the cochina reality. It's like no way to the doctor.

I know that's correct. Correct. So, it's very very good that.

Well, that's the Tia, we're going to, oh, no, my

jiton, no, my kid, no, oh, no, my no,

if God we're to get that, I'm yeah. But I do,

I, I, you, I, no, I, how you callulate the

theme of the endeutament right that's no no, ah, very well,

how we very well, very easy there's a formula, it's a formula a formula mathematical,

not they don't know like a Frankenstein is fast the first, the first

that they are all the debtes that pay for quotas, the minimum,

the minimum to get to make the money to put to money to the

money, that's the money, not doesn't do it the

column of the money that the passive. The preestam of the car, the prestam of the car, the prestam

that you have a little to pay $50 a month. Summa all that's all of that we're

going to do $650. So I'll get on a calculator right, I'll go. And then

you have to divide between the salary neto. So, yeah, what gets free

after after cargars patronal, the impuels, yeah, what you do you

do that fund to use. Funds. The We're going to suppose that that person

has a salary of $950 $950. Okay? Dividimals $650 between

950 how does 0.0. Okay, does 0.68 that's the frequency relative and it

multiply us to make the frequency percent that person de 68% oh, and

to get to that is easy with a car five, some, some three pago

a quotas and maybe a voyage, a a voyage inalvigable. Any

I'm in a house. That person has the 68% of of those income. And that's the

number that doesn't give to do 30% or less. It has to be a lot of

when you get to get a time when you get a 30% 31, 30.5 yeah

is the time that's up the manas and to not expect to that that

diarea suba more to that the stress to be a peor to get

to 3 of the madugat. But in the United for example, there's people that

just in the public that's 40% 50% 40% Latin America there's even

people who people who people who that's that's that's that's that's

to pay the place where you're living because there you're there's there you're

so you're you're doing your money is the money. It's the 50% of your salary

will be to pay the place where you That is your castillo, and the normality. And the normality, because that is the,

let's the, we know, that's the same, it's the right, correct. I have much a lot of

our internet, or our friends, saying, is that I go to four, five times more and the

money. No, that's not that's not you're not not even to never, I. I mean,

that's not that's in all the whole that's in all the is in the world. Now,

for the Presuppost. Let's explain what is a method of a course,

that's my experience in these years with the students, is what that's

not not really in those presuppable in the $50, 20, 20,

20, 20, no. I think minimum, maximums because all

here we have situations financial different. Not we've not all

the same reality and not all the money and not the money

on internet apply. In this case, we Number one,

Ahorro. That's a Ahorro I'm going to be able to be able to say, the percentage that I'm going to

start at 10% the minimum the 5% of your your income, makele the 5% minimum

minimum the 5 and and maximum and maximum no, maximum no has no has

no more than more than the 30% because after that they have to think to

think to multiply that money with investments. My my inversions my own bolsa

of values of the U.S. that I mean that's in this science quantica for that's the second are

and the second is the reason. I opinion as an student and for what I have seen an student of an ball of dollars, with

one of our formations. So this is a thing of death. This is a thing that no say English. This is a thing of that

you can ask. The same very in the raises. The same if if you want to be an administrator to the OSIRB or an infitrients

I think they're they're called here. So, I'm a guy because it's a ganada. But it's a

guarantee. No, it's a guarantee. Because you can lose money in the money in the world and the first investment.

The first invests in education. It's in the other psychologists. The psychologos the case in the carita of

so. Yes, so first, first, first, okay. No, not only only

only only only only only so I'm not. So, no, okay. So, I borrow, minimum, 5%. Right, because right,

they're in department or in Miami. Tempos and parted. Yeah. So, I mean, that's, so, Duro. Cuyah.

Cigient point of the Presupposts necessaries. Or so, Vivir. My recommendations is that could

do you make of the maximum of the 70% of your salary, maximum the 70% is to live and to

me refer to Luce, water, telephone, internet, gastos the food, the people,

met them at the people, people who get the people who are not the mackets in the people, or the typical people who say,

no, do you know, an adoption the per because I don't have a house and I have a dragon,

I mean, I'm explain, me explain. Chico, the mascot is part of the family. Sure,

you have to have to have to have to be you know, if is a infirm.

It's that my Mark, me does a rave to the people. First, that I'm not sure you

don't know to get you want to be a mascot. For example, my rasa favorite are the Nordic,

the huskies and they're those who are trained to those those are those identifical. Very little bit of

a caro. Sure, yeah, adolescent, it's like he's come the bumper of the car.

And they're that's a person to and it's not they're not they're designed to go,

correct, correct, and not it's the most entranable. And when they're they're so much, they're saying

they're very. So I'm a guy, I'm and I'm but they're a good time of the mascots have to enter in

the presuppost. There in that maximum 70% to live, I'm getting to dode. That raza is of the perils that

you see in the case. Yeah. Of course, I'm a foundation in Costa Rica that only

rescata those people. Specificallyingly, because they're because they're prettyosos but they're very much

very much is a prepared. Much exercise, much food, and are the less trainable. So, you know, they're not they're saying,

but they're doing what they're and they're going. And they're talking. The host that's the house that so,

so that's so that so much maximum of 70% we're going to let's provisions that are there are also

there's the time of the number of the impuctions, there enter many times. And is, if you you know, you know,

you know, what will pass within of six months, in three months, one of year,

and I'm the revisions medicates of those revisions medics of annuals, the mascots, the impuces

of the house, a year, a year to do you want to the gasos medical,

the security, the security, the security, the security, all the all those

things that always going to all every every every every

every all provisioned. it. And it's a is to use

to use it in a moment of the drug of Xino. The provisions

is because they're a feature even of when we're to pay that's what you

get the the cost of medical, the police of the courtor is that you know,

it's that you don't know $3,000 dollars $3,000 $2,000 and there's where a

sometimes, a lot of there's if you pay you pays the money there's

there's there's there I'm I'm I'm the car the car,

the car, the discount, and I paid all the year of the year of the pay. That's the

part of the issue of the money of the money of the house. There's people that's the money and says that

plus valia and you know first, what has the property, not the property, like the the earth.

Okay? And second, if you not a one of the house a year to not have a

money, and what's what's in Latin America commonly? Even until they're

doing and they're getting a a wot in the front, and the yeah,

they make in money. So, so is very common in Latin America in comparison to the culture European, for

example. Now, it's my favorite because in finances personal is, for favor, that's a

malinterpret. And if someone's the little bit of but I do it, but that's

malinterpreted. Financeas personales, no, there's no, no moment I've said

that they have to have done to get to do you in any moment I've

said that they're in the people, I don't to go to go to

to his almost to do you to do you to get a little I'm going to

I'm going to I'm going to I'm going an iPhone no right no for this this is the

money the money the money to be the money to be the 10% of your 10%

oh 10% okay now if your now if so your obviously

not the 10% of 300 to 100% to 3,000 right Right? So,

the 10% of those If you're so you're to go to the billets and let's go if you're

so they're to go to regalers to get them to get us something, do you know, no matter

what you want to be the thing, but do you know. Because it's good that your

mind that's that's that's a and I don't think that anybody here want to

keep living your life in the way. And I I'm good much

with with a educator and there much is a

philosophy of the Merce you that's what's the you know, you know, you know,

I think here many have suffered or we've passed a retos in our life. So,

you're so you do you do this do you say, oh, you know,

you're saying, don't, do you, make a , and there are things, there, how good,

very, very, then, then, so, that's, so, that's,

and then, and then, there there, a the gastos idiotas, pardon the phrase, but I need to say that.

When you're going to do do a cost idiot, all here we have a example of a example. We're going to

try to be the costo, not the person that he was. Feltie. Steve, you know, not going to

go to the next to the next. Yeah. I'm sorry. I'm sorry. I think this is a guy idiot.

No, no, no. No, no. That's a no, no. That's a investment. Of course,

we're going to have more seen as well. So there's a regular for the those gastos idiotas, and this is more

than all the that's a person who is a question of a chisely, but it's real. There are people who

have people who live with a compor impulsive about. Yes. You know,

when I'm going to do that a point, make a question, although that's a

tontita, don'tito and I'm talking about only, do you what's, what's

I'm what I'm so, so, really is the question. And the next question.

If I don't me I'm going to live three months more. That's good great- goody-

could be without these three months more. I'm going to be with this iPhone three months

more. Could I live three months more? I'm I'm going to this box new.

Three months more. It's still that I'm living a bit of Europe I can't

live three months more? Sure. Yes. Yes. So, for me,

I'm going to I don't want to say to you know don't get to you can't get to get to get no, no, I mean to the

I think in that. I think in a plan of action. And what is the plan of action in the moment that's me that's

me atravies a copy stupid? Or make me a question intelligent. Yeah. I think

in the plans of action. I don't create in the motivation. Okay? So, then.

There are there costs necessary in the presuppost, for example, of the electricity. There are gas those necessary that can't reduce. In coro?

Yes. That's the vina that that's all the screen of television on the day and there's nothing in the house. That's a vina of that there's an electricdomestic that not is in their

better state, but we're there. Or they're doing with the television oncendid? Me, I'm that's a vina that that during two hours in the

ban. So, always there's a form of that the costs necessary can reduce a little. Yes.

And so those $100 dollars that can't get that's $130. How is that that's a

little bit of your visit's correct. Then you let me have an example. Rentale to someone.

Let me add an example. I know, I know the case of a of a one of my socius

that is Mexican and he he wanted to get to the day before the day before the day after

the state there was a much traffic a way. And he kept in a place

that he went to a lot of a man to rent a house, not the

house, his abitation, in 40 dollars in the night. With her there,

no, no, no, no, in other other in her because you're

you know, and here pass a this is your and this is your side of the

man, boy. That's the man. Well, in this one one of a

lot of a a caram the the thing is that the is that the thing is that is that is

in a place in a place of a lot of a local in a country in a country like in all the

country is so 40 dollars in the night curious me met I a booking

the next four months reserved the next a member of the calculator how is 40 for 30

is our contadora how to 120 to who who they're in the way to get in

no, 1,200 No,000, no, of course, 40% 1,000, and what's

what I'm so, we can't evisputs not even we're going to have to we'll have

$1,200. $1,200 dollars, well, that's the money, that's the that's the

world, you're the thing, I'm not, in the house? To rent a rent a

house? A, house. A lot of the, the apartment that you're that you

had to the that you had to you, an am I mean, and then

rent a place that's a lot of a lot of a lot of a lot of a lot of a

time and that has other two abatations then rents the other two

and then the $1 the rents and he just and just just basically

subar renta and not pay renta yeah take an take

some people that are people are saying that the other also. Yeah, you're going to

black. No. At the contrary, it's an example of it's an example financial of financial. Very,

yeah. No? Yes, yeah. Now, the point is, they're supposed to do to do it?

No, my privacy. Yeah. Like if were I'm my privacy. My privacy. We, no.

Well, so if we're just we're going to give us. Sacrificed a little to your privacy during a

time necessary with a plan and then then you that's that you're more sure you you know

you get your you get your you're you're in my invitation no yeah

yeah including includes access to the podcast you have access to

the camera in my life that not that so you're

so he's going to the time we're going to let's

let's and to be to start and you start to

be restrictive. This not is it not to eat a lot of a ton every day. This is not this.

This is to be a intelligent. And this is a job intelligent. I mean, my students

to learn to create a business and I say, I'm a philosophy of the job intelligent and not the

job do you know, what is the analogy and I want to do with much respect. For example,

if I do you let's use people like people like as people who work very under the

sun, are the more money they're not always the other people. And if we talk about

of other people that they're a shop and they're getting 17,000 dollars a month, working two hours

all day, that's a job, or intelligent? Intelligent. If we about the cases, for

example, one of my administrators of Airbnb admin, admin, admin, and the place, and for

each one is around to $100 dollars a day. Yes. Duro, intelligent.

And she has, and she has, and she she can't have been a secretary, and the assistant

and the plomer and the do you. In fact, Jennifer, you know, an company,

administrator of Airbnb. Yeah, and they're their own their own their own. They're in the money.

It's a job in money. Because they're doing it. We're doing it. We go to do it.

Okay, they're doing a web? A, we go. That's the copions. So, are they're obligated

to do you. They're to manage those finances. And it's a job intelligent. Okay.

Disculp that not they've seen have seen yet, but me a blow of the

question. So, I'm a job intelligent. Manage his finance well,

is a good, it's time and it's to be able to get a I'm not, I'm not

people, I'm not people, that's not they're more money, not they

don't know money, not they're not saying in the bolers. Me, they've been

saying, I've been saying, I'm back to be me, I'm sure,

he's the stress. Steve, not the doesn't the person, Steven,

now I'm more with my Parenthood Pardon, me explain I'm explaining. It's that when there's

when there's all carambas literal. So, so then don't mean attention to this I think that

I'm going to let's go and I repeat what I said at the beginning to focus

your life in living carho they're to be that today they're

being living a difficulty in no way that they they're they're they're

going to live for the next 30 years sure, if you not do you

do you don't do you want to do you but in the whole way to the pasto what will be

a future. I have a pasto real that I've told many many times and that's no determine

my future do you do you inspire you to do you do that's and that that's

and that you can't that's not all not all but some of many of

many of many times in many money I'm that you're going to say that's going to do you

do you're going to do you're going to do you know what's you're going to pay not 60 if you're 20 oh and so me'll be to say

also what is the form correct to do you have to make a pay three, four quotas of because you're going to pay interests

for the money and it's a error what you have you have to pay the cost you you take the

pay the costo or the time you you're just you're going to make a money and you want to do

to the principal of the debt. The bank to say the form of doing some of the page of the page web.

There are banks that are you think we're in the 2002. So, that's for that's the when you

do that's you're going to pay to the bank a recalculing or a regeneration of plan of the pagus.

In that, in that we're able to be that has applied that money because there bankios,

there may be there may be there money, that sometimes not you know that it's not

that's not the final of the final of the person to do that when you no thing

when you're nothing to when you're in the bank in that's there's a not a role of the

right, also a problem. That's the way of doing the time correct to do it.

And then you have the abhorral of the debt. No pay in the account

or quotas for the because they're paying interestes for the

exactly. Exactly but but simply is the thing to have this notion

that the Deuas can renegocear. Not all those banks are going to

renegocear but if no you know you're in the same, you're still to be doing more difficult

that's even even even though even though even even if you have a problem

severe to make passives and the companies when they're problems? Men

their buildings, they're their buildings, if it doesn't that decision

that doesn't that doesn't the first carto to

but if it's one of the cartouches that have to recurricular or the options that they're over the non-se but it's better.

So, many times you have to have to be to create. All the companies do do they're

after a certain time, they're going, and they're and they're and they're and they're and they're

and they're and they're and they're to be able to get to think when when you're a basketballist

a brinked, yes, before before it's still and then what at times we have to do we have

we have to to press us, to press the signetron of another form, temporarily to be able to

get to get a more, to be a year or a time or a time a year,

than we're to keep constantly in the same where we're going to we're going. I think.

I think that the success. That's what I think. And much many times to sell the

house of your dreams, the auto that anelabas is a sacrifice. And sacrifices

momenteus for a merceiment for a a great wonderful. But that's a a game.

It's a way to start. It's a redet the game, the time is the that's the

the time is the way and the car is the thing is the time is the that you know. And so they're going to

that's angustia. They have to work to you have a mind. Because I

say to you know, you know, you know, you know, you're not, there's a person who's

there's much a lot. I mean, there's a person to imagine the fact that there

is 10, 000 dollars in your account to bank. What I do? And three millions of dollars? That's rich. A key to multiply it? Yes. But three million of dollars, as you said at the principle, and also always I'll repit. You can't as if it were in the lottery. If you don't have

education financial, enter and they're going. Someone said, someone of the one of the entrepreneurs or the dews of the most grand of the world, no-seyses-you-lawful one of these. I mean, one of these, I mean, that's the the money of the world so all, to all,

to all, to all, all of the world we're reparting. In four, five years, in four, five years would have

the same percentage to the same people. So, it would reacomodal the money only because the majority of the

people don't have money, and those who know they're doing doing doing what they're doing what they're doing what they

know they're and all over and all right. And you know what's the more chistosos the time of the time of

doing this the world of this world is the world, the world, the most have made money in the world.

It's done in the long long-plast or not in short-plast for you. So, so that's

a long- plan that we're doing. We're going to think and say, just 10 dollars

at the day to be to get to get to $10, 30, a sometimes we're

not we don't have, we don't we don't we don't money for our for our

our health or to comeer better, but we we're just we're for a

partido of football or for the concert for the for toxic,

bad bunny, for the festival, for, not is that that's not that not that's priority,

there's a priority, what is your priority? What is your priority? What is the thing? When your mind,

you say, no time, I'm not what you say, the language is very powerful. And if you

say, no, I'm not I'm sorry, if you're saying, blah, blah, blah,

blah, so you're going to say, the value, I'm saying, I'm saying, you know, clear,

is real. Well, let me say, well, we're well, carino to Stephen Samora.

Thank you. Thank you. And we have a surprise you know, you have more than 30,000 students in line

yeah? More of 26,000 students in 30 countries. Ah, 30 places, 16,000

16,000 students, 26,000, 26,000 20,000 in 30 countries. If you're a course in

line, that's name the pass to learn to learn to learn, my money.

And there what you are the seven passes. How do you call them? The method depredator. The method depredator, of Debt. How

depreder the Deuda? How disappear the Deuda in seven in seven passes? And much things more, like Neurofinances, for that you know, I'm using, I'll take three examples of three types of presuppostos. It's a formation that has more of 25 hours.

Very well. Well, Stephen Samora us does a gift. We're a 50% of discounted in your course. If you're going to Marko Antonioorrejil.com, diagonal finances, I'll I'll talk about

arcoantonioregil dot com, diagonal finances is a league that only we're going to the people that's being

this episode of the podcast so if you go to the episode and you want to learn more with Steven

you're going to get a time limited a 50% of discount in the course. In the course.

Bevenians. Okay. Vian there and you can get to learn more to learns this as to put this to a priority

and to go out of and live more tranquill, more and then the and then you

and then you get to invests to invests to do you for that the money that's the that's the

that's a that's a mind and you can't do you can't do you but

the time is you're a right to do you know, correct. Dallel the

respect that you need to because the money respectenlo respectenlo respectel

like like so like so that's under the hands and that and that

then then not know, to where, to where it's the where's the money, where's the

money, where it's all the whole for a lot of, to be able to to be in the social, we know,

and my name Google, I'm going to see a realaccom more local more than an trainer

financial. com, now there's many many there's there's quite, there's there already

maybe maybe 7,000 87,000 7,000 and for you know, right there, all the other

we have many many Counts Fathers, then there's there's a real.

If they're talking about about that there's a lot of people that's the frauds and they're

specializing and they're they're they're they're someone, or create the clon

and not only they're going to let's I'm going to let's get to care of

the fraud is also also also I'm in a yeah I'm got a hacker

specialists in this because we've got to more than 70 accounts

okay and the and the same they've done we've done I've got to count that are

like call centers in places like Korea, Colombia, in Guatemala, in Argentina, and also we're one in Finlandia.

And a robot duplicates all the content of the page. They're not they're some followers, there are

some pages with 2,000 followers, and they're to give to the robot, saying, hello,

how you're how you're doing your business? And then then they start to talk about

those cryptomonels, that the crypto monas not are bad but they they do they do

for this and we we've given that for the wallet where they have transited those, the bitcoin

have transited more than 216,000 bitcoins that's have been robbed. And no, and

they've been to try to the fraud is a fortified. To us us have been reported very,

very segued on Facebook and in Instagram that they get a account

clonada that says Mark Antonio Regilly and and you and you

offer an opportunity of the Inversions or even they're precaste Diner, or they

They don't you. Or they're you know, or they're doing a podcast or things for the style.

Deacham, the first publication fissed, says alerted of accounts and there I'll explain what I've

done to do you know, images blanks for you know, so they're so, and

also, and also, and also, and also, very pendent of the couros of the phone because you

get to get a time, I'm, to get your, your, your,

your, your, your, cargo, to the computer Mac that you have been a example, it's like you get a

receive, uh, of you got a thing, you're just and I'm gonna come that's just, and I'm gonna ask click here,

there's a fraud, there's the fraud, because I said, I don't buy this or it's of your bank, and it's of your bank, just be the email, and not just

the email, yeah, or you say, your account of Facebook has been reported by pirateria and no-se-ke-

that we're going to do it, If you think this was a and you do brutal you do this you do this

and you're and you're and you put your name and your password and then they're robes the number

and they sequestran pages of Facebook they sequestran pages of accounts of Instagram

so so so they sequester the account a client of a friend of a company and they put

the logitipo of Instagram and you put in the message private because it's the account of your

name or your but it is Instagram that you are contact and you

they're in the met you so the sequestro of pages of internet the sequestro

to Instagram have money and there and there call centers so like in the India in

Korea in America Central in America that's that they're that's that's

that they're and they say they're they're to say they're they're to give

a little they're in a same year in a same in a same time so the

people are or you're saying, you know, you, I'm a cargo that's, oh, yeah, you know, I'm a person, and it's a mental, it's a call center. And you're saying, ah, yeah, yeah,

that's, yeah, there's a question of bank, the fraud of digital is, you know, you have to have much careful with your telephone, with your,

much, protect their money of people, people, they're very malas, I mean, so, as there are,

like, there are, we're, we're going to explain all the frauds digital. Uff.

Yeah, to bring to a hacker. A a hacker. Yes, because they're the people are the people who know

and someone of bank. I was a year I've been in prevention and fraudies. But the knowledge is

in the part informatic in the part informatic today. Yes, so, well, thank you.

Thank you. Thank you. want to keep with him, Mark Antonio Regil.com Diagonal Finances

there's, there's a 50% of discount the pass to learn to learn to learn to

seven passes. The method of seven Chingao Chinga. We'll give us an applause

to the good Stephen. Thank you. Thank you. And we mandam most a more to Costa Rica.

Amen. A dos Costa Risen and many thank you and make my count as

Martin Anthony Regis and they on YouTube and let like the video

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