El Podcast de Marco Antonio Regil - 369.- ¿Endeudado? El error no es deber… | DINERO, AHORRO, DEUDAS - Ludivina Córdova

Episode Date: March 31, 2025

Vota en la categoría Podcast Favorito de Bienestar aquí: https://open.spotify.com/playlist/37i9dQZF1Fj2qyIGY0JPf3?si=hX3E0q_2S562TRauhvvCJQ&fallback=getapp | Marco: El Podcast está nominado a los primeros Spotify Podcast Awards 2025, y hoy necesitamos tu apoyo para dar el siguiente paso. Cada episodio ha sido una invitación a reflexionar, sanar y avanzar… y ahora tu voto puede llevar este mensaje aún más lejos. Si alguna vez un episodio te dio claridad, te inspiró o te acompañó en un momento difícil, este es el momento de devolver ese impulso. Del 7 al 21 de mayo puedes votar diario: hasta 3 veces por categoría si tienes Spotify Premium, o una vez al día si tienes Spotify Gratis. ¡Vota, comparte y sigamos sanando juntos!  Hay una verdad incómoda sobre el dinero que nadie nos enseñó… Y no, no se trata de cuántas ganas, ni de cuánto debes.Se trata del miedo, la culpa y la vergüenza que muchas veces vienen con él.En este episodio,  Ludivina Córdova, experta en finanzas personales, nos cuenta por qué el problema no es deber, sino cómo te relacionas con el dinero. Deja de sentirte ahogada o ahogado por las cuentas y empieza a construir ingresos que te den tranquilidad, sin más presión.Te invito a mi clase gratuita “Cómo generar más ingresos con menos estrés”.Tú también mereces vivir con menos miedo y más libertad.Inscríbete aquí: https://almamatters.com/dinero/  *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.SONORO...

One of the reasons for those those poverty are more poor and the rich is justly because the rich are in education financial. The universities not are beneficiary. You have given problems of poverty in our in our in our past. It's like very important to be

a new house or your apartment. The investments are incredible, but the investments are the money. Pagentment is always malo? Comparing is always good? What do we do?

We do we're doing a targette of credit and we're going to buy, a regal or a lot, and that's using the debt in consumption.

The institutions financieras preferring to give to them to and they're to give them and they're

to get the money. If you have a mentality, the debt is bad, let me tell you

can't superate. I don't have money. I want to do you have to do you do you have to

have you have to have a plan about how you're to pay that debt. That is

an approvated of the podcast and it's very Well, because we know that the debt normally causes much

stress. The debt when no there's education, we know that in the States in America, in Chicago, in

the world entire, the stress more great that has the stress more that's being to be used to

be doing to pay an debt. Sin however, the countries developed and the great

experts not that not all the debt is a mala, that is a fact a debt

good. If you put to investigate, the great companies of the world are indebtedas. The grand multimillionaries of the world

are indebtedos. The great countries of the world are inneutated. And, and thanks to that is the problem

not the debt, but the problem. And justly, to keep us that ignorance that can

start getting opportunities of with the deuda good, we've

invited to our Goddivina Kordoba, that is mentor in finances personal

and also and also and when the debt is a mal and there and we're

to be a or have to do it or can do you would be good and how manage her? The debt

can help to get a more money in a place. Of that this is the episode

of the podcast so so keep with us we're we're ready to learn and we're

together so we're so we episode 365 The episode 3199. The podcast

of Mark Anthony Regil is a and all his rights are reserved

the Deuda The Deuda! The Deuda! The Deuda Sun Estre My dear Ludina, and welcome

to the program. Much thanks. It's always a pleasure and more to talk about

this thing that I mean. The Deuda. I'm the deuds because culturallyly

we have this idea of that the debt is bad, the devers is mal, and the

way is a matter only is a thing is a thing and it will depend much

of how it we can't to talk about the other car of the money of the deuds,

of those that people talk about. And one of the great differences between the development

of the countries in Latin America and countries European or like States,

or like, you know, a form very simple of that the people are that the

people are, there is that there's a country in these countries developed. Now,

much of that debt is mala and live in abhorcados. But much of that deuda

you serve to run a new thing and to get a money to do you and day, and for a

would be able to get a lot of I'm going to live, that's after some years the money that was resplored for the reserves

of the world, correct? And it's a decade of that and it's a decade, and yeah no, then there was a moment

in the they said, well, yeah, no, it's been going to be being

being to be able to now, now, how we're to create more the debtors, resulta that it's imprimed

the money and it it's the government, in the companies, and in the people, for that we put us to work, we'll

make the service of the debt and it's create more money. So, starting by it's a great thing that

is the base with the money that that's the money that is. The capitalism is based on that exists.

And the money, the major part of the money no exists. It's simply a numberit

in a computer. I mean, I pass the card of credit, and in this moment

it's cre the money. No, it's that there's billets or lingotes of gold or money.

No, no, it's a thing that's a concept a little bit complex to understand, but so it

works the economy of the world modern. So, that we're so it's so we're that we're

that the debt, how we can use the good? What is the deuda good?

Because that's the first question that the first question that you know when you're saying,

do that you say, let's see, the thing? The system is designed for that you end-deuels.

That is the system. All it's the thing you to make deuda. Now, if me end-deudo, the bank-rothed and I'm in the bankrupted, and I'm going to be in the bankrupted. And so, I'm going to docketing, that's a deal with a good. I'm going, to be a the idea not is that

us we use that deuda in consumption and yeah, because what we do we're doing a targetta and we're going to buy a car and that's

a deal of that's a bad. That is a bad. The deuda good is a money,

you help to create flow of effective to generate ingress. To multiply your money. The debt malta you

impoverce, the deuda you're the endrikees. An example is, one example, I know,

when we're when we when we're we can't be auto, to do you, to do repartos, to get people

that makes, me produce more money. So, with that money that I'm producing, I can't pay the service of

the debt, I'll say, the money. So I'm my debt, without problems, and generate money.

That's a characteristic of a good. Or, for example, someone who want to be a new new thing,

and say in a debt to do that but that business, but that money, the money, the

service of the debt, the service of the debt, part he will get a money.

And apart he will get a money. And also, when it's the thing

in the time thing that's that you're that's for the interests, for the

companies, as the money, as we're making more money, we can deducing

the interests that we're because those interests are a cost necessary

for your operations, that is what the government to do you do you

doxx legally. If is a if it's a necessary, impis

for you you then you can deducing in this case is the

the percentage of interest. Exactly. So imagine you can't you can't you can't another characteristic

of the debt good, and other characterista more money, is that it to help to make sure the opportunities

because it is available. Today, I'm going to the example of the companies. You could

you could expect to to join all the money that you need to do you

but that time is money. It's is a money, perdido. The debt

to do that immediate of the money, for that you can't operate. This opportunity

inmediate, you help to generate more. And other characteristic that has to be a

more more with the ratio numerical, is that preferentem not the 30% of

your interests, yeah, yeah, of your business, or of your

personal, to the personal, to Robert, Kiyosaki, author of a rich,

Pover, always in his tersers us presumed and us said, I'm indebtedissimo.

I'm indebtedism. I'm of the people most endowedis of the world. But the deuda me makes rich. That money

me makes rich. Because he a department and it's a property, it's financial basically is

basically has been in the realness. He has a mine of gold and I don't remember in

the world and the he was he went to the he's going to he, he's,

he's, and he, he, your deuda and he a little and not arrexed your capital arrisg the

money of others the money of the bank that for that for that they're they're a plan of that they're

that they're that's just there's not there's no there I'm going to go to be to bring my

business not that's so it's so you know if you know you're just in the news

is that Robert and I know I said that I'm I'm I said that I'm

I said that I said that I said that we're presumed He does He knows He's not

He's not He says It's part of It's part of So he He has But he has If he has

And he has The same The sufficient education Financiary And he goes A line It's not It's easy

That's But put it You know You can't And you And you You know You know

So that's That's a Debt good. Also The other You know You know

You've To have You've to have A plan Sober you That's where

where, of the company is a matter, in the company's a matter, in the companyers, yeah, I'm a good,

you're in a good, but then we're going to be going to be enough, how do you do you know, the money,

then the money, but yeah, you know the education financial, you're going to make a plan to pay

the debt. And if you have a education financial, that would include you the

know, that you have to have to have a plan of a business. Mm-hmm. I mean,

someone who has, someone who doesn't, no, a plan of And it has to be a, a plan B,

a plan C, for if what you had you planned no function. If this doesn't do you know that's not where more could

get the money. There's where there's where there maybe that's a style of financement, then we're

to do you with someone with a capital. Ase Rue a bit of you said something that's a

other more I'm trying to get to get to be that's it's the money,

it's the money of the bank is the money of who the money that I'm

one of the Robert is that. Because you risk your capital when you

can't the capital of others, capital of capital of the bank. And that's a grand

advantage. Not only not your capital, if the things are not your capital, but

who can you do it is a verificing many things before you do you do that

something you put yourself you probably not verificer because it's your money.

But in the other you can be to be to be, let's let's see, present me

a plan of, I mean, or so it helps to do you a job, you'll be a doing to do that a lot of,

it's a little, you need to do you need to be more responsible and make a question that maybe you don't

you've been asked. So, well, I was where I started my way of the finance,

just about, I was a analyst of bank and a businesserial and my chamba was receiving

all the information of the services and see they had some you did you

did you did you were, if were, I didn't, I'd present there a committee

of risk. There are experts that are to make this and I'm sure after after to analyze it, that the cliente

could be to pay the debt in what he was going to use and then because we should be we're doing the

credit. But that's so very interesting. Because the bank, the bank, you're doing

the expertise of that the person, the committee of the committee of risk, if you say it's

a very good news because you can be not being salvando of a grand problem that you

no have been that's that's and I'm a lot of many cases or of a different things

that they're they're in the analysis you have to you know, this is this is what I'm

to make sure to the numbers, that's the people are the numbers mean, but the numbers not mean.

So when we're we're sure, then it's much more more easy to decide if the

debt is going to be good but there there's the auto-tramping because if you

you to open your business, to multiply your money, and you know, there we're we're going,

more than you don't you think they're in the mentira, we're not, because you're going to be bad,

that you're going to that's a bad, because you're just you're making to you. And it is that's

the people, you know, know, you know, you're going to do you, I'm going to a line of

credit and I'm saying, and I'm not, no, well, I think for that

like, like, like, they're like, they're is Deuda good,

but in reality they want to use for a vacation. In those a vacation, it's that is that's

going to do do you're going to be very much to get some because I'm because I'm because, no, no,

the principle basic of the good is that you help to generate money. For that me a lot of

the famous of the famous to buy to buy a house, when you when you you're

not you're generating more money. At the contrary, you is generating

gasos. there's, have to be to be able to when you're when you're when you're when you're

when you're not a property so you're so you're so you're you're doing that's a good.

Not it's a bad, not to acquire to buy a living property but preferently we're using

the debt to generate more more than you you're not you're not you're to say

you're going to I'm going to buy a good to do that well it's my gusto well it's it's my

your numbers, you say, well, with the enganche and me would say, it's almost

like the money. So I prefer to do the enganche and pay me to me. But,

but you know you're not you're doing money. It's a good personal, but not you

get you don't you know that's exactly. There is a point that I think that's

a debt good, that's that you doda to do you a, that's

not your business, you know, your thing you, a necessary. And, I'm trying to

in desacquered in use the debt or the famous months of the same thing, for example, for to move around your house.

Because it's something that you do you need to be used, and specifically about the months of the debt that's a

good in consumer, preferably that's a good that's that's going with the you're going to do that you

need to do that you're doing the money. Obviously. But no know, you know how people have

talked to see, I remember much of this negrita that she that's a that came

the car of the little little money and when it's and then it's when, yeah the the regalos

repartied, yeah, all the yeah, I had yet paid the and the year of the

year of the year ago. And it was that you've been going to, no, no, yeah,

so, so, then your house, it's, it will, to do you to do you

do it's, or 20 years, or 15 years that you , you're to pay

the a deuda, a lavator, a recamara, then it can't have been a sense. Yeah, the refri,

it will be due to do good quality, etc. The depa or the house could be able to

be able to do it. We know. We can do it back also. But, maybe in

five years, that same apartment or that house, if you live in places like Cancun,

Ciudad of Mexico, Los Angeles. It's a point in the inflation to do the inflation

to do you know, in 10 years you can not you has been you

have you so it's to come in you to get to get to get to get the time

before you don't know that I'm that we're a little commercialial no, the opportunity

of you if you you're you're you're to get to get to get

to come probably not not sure that that house cost more yeah

yeah yeah yeah in much in much cities in in Mexico

in in Guadalajara Merida Yucat is an example of those that those

that those that were those bought right, they're in the triple, and the people

that came to the country, you know, the people who are the thing you're doing, you know, you know, to do you know,

so you're, so it would be a good, yeah, it's a different, they're, like the checklist to be a bit of, a bit of,

the checklist. Me, will be a more time, of the that I'm going to turn, the, of the

, of the time, the term, well, so, so, so, so,

there's the terrain, no, so I'm going to do. I'm going to do with my ingress for and not it's to get more than the 30%

of my money, perfect. I'm going to to make an opportunity to you know, perfect, and yeah is it. And preferently,

me to do you, I'm going to get a good. Preferentiment. Now, we know, we know, that's like,

it's up, a market, a new apartment, a, and you say, is that all is that's doing,

so there's there's that the market gets to the top and it's you can't a pop

a psalient. A me yeah me has passed. Yeah, yeah, it's a lot of, I'm going to

the market of Arizona in Phoenix when I was living there, when Robert Kiosaki was my mentor,

me bought a department thinking that Phoenix was going to be going to be to be like Los Angeles

and so and so, and it came the famous crisis of 2008 so, they came

all the those prices, me kept with a department 10 years rentando

I was, I'm moving to another because I'm moving to I'm going to I'm able to

the second I'm the two years, I'm going to an spher that's the future. So, so,

even in a property, there's a risk of that you can't be able to but also but also

can't be back. The crisis of 2008 the drugo because, they preston to people that not

they were to pay it. No, that's people and the people were the bankers and the institutions financial

There's a movie about the movie about about the topic about the topic that's the that's the most I like

the respect. Very good. Uh-huh and the problem was the debt in a debt that was a deal that

was a bad. And that's important. And it's important. It's important for you understand the market,

for that you know, because that's the thing, they're done to do that all the people and they can

a person that not you know a point that the people don't pay and the way of the way there's a

lot of the need to be there is a little there's more people who's the offer and then it's the way and it's what we

we have to understand. We're in a system capitalistic and understand the law of offer and demand the law

the law offerta and demand well at the final is the basis of the prices and of what there is in this thing of the

market immuiliary there's, no, there's many cars, they were they were, and they were all the

money, not just that the real, the real, the real, the real, the real, the same thing, was it was

there was a point, and there was a famous burbubileary, not? Because yeah, not, they had,

and now, how we we're, to come, it, I've got, to go, to go,

I'm going to go, I'm going to go to do other side, and now what I do you're, when in my

same edificio, there, what happens, then what's all all the money. So,

your pay for even more more than what you are you're going to be and you're going. So,

so you have to have to have much good, much care, much care, Debt A good bad,

you have to do that's your money, you need to be a good and a money and that's a

good and the next time to do you need to do you simply a point

to partida to say, oh, Oh, wait, I think I know that's it, but more convendry more, learn more,

learn more, question to get the movie. It's experimental, presentar the people, that's actually, so... It's right. We're saying, I'm going to be to be a Renta. Pag rent a is always bad?

Comparing is always good? No, no, no. There's going to do we're going to let's see a lot. There's where you're going to

rent, how is the issue? In how they're in the rents, how is that how is that you are you

are going to in a credit impotecario? Right, right that you read you as this commentary, no, 20

years paying. I always I always I'm in this type of credit, the time you're going to more time you're going to

so it's not so as to be an idea in in credit not the time, are the 10, 15 and 20 years, not

the plasos that we're the ideal is that you're most soon as possible. Because then you're going to

imagineate that this person that's looking a plan of a 20 years, I'll be, no, no,

I'm going to put the the pile and it to terminate in 10. It's not going 10 years

to pay interest. There's a very one a series on Netflix that I like much

that has to be with just with finances personal and and so and they tell the

story of a party that put in the money to get to the

money to get to the money. And at final, so it's all right

but also can't how much how's how much money. And you have to

or in the state in where you what percentage of those interests that's paying them are deducible before.

In the States you could you do you're, you could use it from the presidency anterior of Donald Trump

the amount of the amount of interests that you could deducing what which does it makes less

attractive to be paying interest. But you have to have to lookally. You're in

Mexico, in Ecuador, in the in the state of the United? Of those those interests

are deduible? What is deduible that not is deducible, if I'm going to put one of the habitations

like my office to say, I'll go to I'm going to do you know, I'm also the 30% of my house because

literally not I'm doing. It's going to do you use as a office. Yes, see. A ver,

the same credit hypoticarious for a living here until the moment of this podcast

are deduble for the people who are the people who are the money

if you do you money, the interests that are you're paying are

deduible in certain regime in fiscal. Ceregime fiscal. Exactly. It depends on what regime

fiscal is. So, there's so we have to investigate in your podcast. We'll have a pause in the podcast and

we'll get with more to keep learning and distinguishing the debt good that you can help to

get to get a money or to make that for you is important and what is the debt

mala that you get to impoverce. But more specifically we're going after

after after we're going to the podcast. You have done I've got to go into that to get more

ingress, so you're causing more stress and agotamient? Travahs and you're just but it's sufficient and your

life personal is suffering. Even your perro is I've been that you're and think that you're

a visitant occasional, imagine to get more money without having to sacrifice your time and energy.

Cremem my plants almost can't for abandono. I also also. I'm just

working as loco in television in radio until that I did that the clave not is to work and

to work more, but to change your mentality over the money. And if you're living the

same and you would be able to do you have a master class gratuit that you can't help. I'm Mark

Antonio Regili, and since more of 20 years, my conferences, tarrows,

and courses in line have helped on millions of people in 27 countries of world.

I've learned of mentors like Robert Kiyosaki and Blair Singer to to

change my mentality over the money, and develop abilities clave, and as a consequence

gain more money. And now I want want to share this master class gratuitous is called, how generate

more increases with less stress. There I will share the five things that me have

served for that you can you can't make you can't transform your process that me can't serve as a lot of

a little bit more a bit more extrano and your plants will will be able to grow. Da click in the Liga or link of this publication

or in the button that is also here above for you register completely gratis. We'll see in

the class to learn to learn our maximum potential without without convert

in zombies of the time. Cuitartes not is a luco your life.

Alcancs your maximum potential. Lunes to Viernus to the morning, 10 of the

Center of Mexico in the channel of YouTube of Group Formula. Deuda good, Deuda Mala. That could

be the title of a little of a book, like a good, father, poor, could be a

bad, because it's a thing very interesting. It's a thing very interesting. No, it's a

part of the part of your case of your personal. What for me is deuda mal for

you can be a bad, but you can't have been about about the

opportunity, of the money in the time, because, you know, if you, I'll use the opportunity today, you're assuring the value

of the money, today. The theme of the deduction fiscal, if you apply, if it's a company, if you're a problem, it's a

problem. But just for that's it's a point to learn to learn it. Sure. Fiatte, Julianne Rios, that

we're saying to Arizona, we're a Finnis, a Tucson, to, a to, a whole Arizona. He's in

Arizona, in the United and he says, no, I'm not the money sufficient to assist to

the university. I'm thinking that maybe not going to I'm going to be able to be a

medical for the career of medicine is a lot of the United especially is very very car.

And they're they're offering a present a year or more but no see that

that's that's that's there's there's a thing it's a good

to be to doodart to work to be a medical or have a career that

in theory you're to be to be to be to be how evaluate?

I'm I was so I Canteau to say that's my licensiator I sawke with a and another pedas of debt. In that

moment, I didn't know I was very well in what I had I had I was not of education financial.

And this is for example a factor that could be a good and other is a bad debt to doda

bad. Deuda to study. To me personally certainly, I'm certainly, I'm sure. I could

be in a school the private, with many connections, with many persons that I've known, that of the 20 companions of generation that we're, at least with 10, I've worked the day of today, no, with his families,

with their businesses, with them at level personal. Sin embargo, the plas, I'll go to the same. You're going to start, no, will be to terminate the career of medicine, and then they're restarly

10 years paying that debt. As much time passes, paying the debt, more interests you're going to pay. And I had friends that, yeah, yeah, yeah, I mean, yeah, yeah, yeah,

they're doing paying to the school, no? So, so, sure, that I think can't serve you

because it's, with the requisite to you can help to generate more money. No, if that's what you want to have to

help you, to put your consultorio, to have patients, and to have this credibility, so all in this type of

of professions. But then the pay. So, so if you anima if that person if that person to be

to be to do that I'm in you're in putte the pilas to liquidar the most

possible. I was with that mentality and I'm I'm took a two years

and then I'm not I didn't sell you I'm all the variable

that I said no I'm going to work I'm going to have to have to get to

this deal to the most possible and I have

attended to people of my same university that also

studied with credit that until the moment no have been liquidar.

And the universities are not a beneficiary. You're they're interests.

Every year they they're interest. So, so I think, for me

was a good experience of Debt, but also for the university

and the bank, it's very, it's very, yeah, if 10

years, perfect, or 10 years, oh, 15, no, man, but you

do you do, no, you're you're doing, you're well, you're

perfect, in is to pay $1,000,000, or $1,000,000 pay $500, but you're paying it for more time. So, it's, it's, it's, a long-plasto, because you're

the air to, but the thing is, I'm a month good, I'll, I'll end up, I'll end. And I'm going to make the discipline. That's,

because, another thing that's the thing, this type of debt is that, for the general, cargan the interests in the first pagers. Sure, the

first pugs. At the final, you're you're paying the capital, but at the your deuce is almost the

because it's the cost of the cost of the cost of the amount of the money to be able to pay a lot of money, you

think the 80. The first of each one of each one of your payos to cover your money. You have a

your pay your pay mensual is your pay menci is of $10,000 dollars. Well, $8,000, $800

dollars, not it's equivalent, but I'm not I'm putting a number to serrados, is interest.

And so the 20% capital. So, that is it's almost of indebted. Yes. For that's a second, aha,

they're in a session and me say, no, is that I've been paid and not back my deuda. And I'm, well, because it's a lot

because it's the 20% capital had to pass five months for the money. Exactly. Exactly.

For that's it's very important to understand the types of the debt that exists. We have basically two.

What is the debt revolvent, the that you use, pagas, and you can't use

a card. Tartgetas a credit. You're at your card. You're going to get to get to be able to be able to

and then we're about this debtes that's not and you're going and you're going to get to receive what you're a

table of amortization in where they're going to get to each one of your payos

how to do you cover of interestes how so can't do you because the interests

grab an and how really is you can't you can't take a Deuda of this that you're

paying little to little to pay and you're in your table of the lot of the

number finales. Right. So, rents versus to buy. If I rents, mansanas

with mansana with mans this department in this edificio me costar a lot. If

I'm this enganche, then my pay monthly me costar and there

you can you can't you can't you can't you you can't in many you do you

do you an handche and my pay my cost cost is a good idea.

Tal-beenre. I know a lot of people multimillionaria that no that rents. There's a because just that person

multimillionary what does is I'm going to buy a property that's that I'm generating in the and with those

I can't run. I have an friend who has the the duke's the building of this

building in the and I'm and I'm he said when you when I'm going to

buy to rent. I'm but you're a duke to be a media

a city per is one of the personists that are in the country and I'm because of the person who

because if rent I'm I'm going to live a department new. I'm here two, three

years, a depa new, me aburroro me go to another out of the department

two, three, five years I'm me casso, me divorceio, me can't of this city of the

colony, me go and and I'm no I'm no I'm a bronca. In the

company's that we're in this building is to rent a person to people like you. Exactly.

So you generate increases that you help you to give them to give this financial, not to move

to where he wants to because he gets this other type of mentality. Who has had been

problems of poverty in our newness and our past. For us me include

it's like very important to be the house or to your apartment. Because as you

you've paid rent, and you'd want to a wall, or to make a room or something, you had to pay a permission to the casero,

and you're going to get to go to get, because it's, so it's, then it's psychologically a security,

to be the ownos of our place. That when we do we do we need, we need to because it's

the best because we're because we're not because we're just psychologically a path and a calm.

But not is the good thing, because who has the trauma, no need to be

the apartment. Rent a real life. And be your case of Epa like something super temporal

and desechable. And one has the sonya my casita, my depita, what I've never took.

It's all just where, from, from what's the from what experience we are doing the decision?

And if you're going to make the decision, know, why? Sure, to do

do you do you know. Not you you mean. That's, that's that's, that's,

that's, that's, if you You have today the mentality of that the debt is bad, of that demer is bad or what?

Let me tell to you can't start. I'm not only I'm not only I'm not really with the debt of the school.

Resulted that the 18 years me give my first time to do my own education financial go and

I pass or I'm going to get a court and I could I pay it. So, in a point

I did to pay. There is when you mark the spantosa X in the Buro

of Cretto. No, because you since you you start your first you We have palomitas and others have Spantosa X.

Sure. So, I mean, me putier in the Spantosa X. Imagineate the trauma of, I'mpeaso, my life, debiento, debiel to the school, debiel to the bank, and now how I'm going to be to get to be?

For that I think I'm so I'm going to be because I'm, I'm going to be, this, this, this is a betteria to put up over, because the deuda is

a tool, not that the debt has been a bad. It's that I know so I'm I know how utilizes it.

So we're to pay, we're going to start, we're going to start a new relation with the debt.

So if someone who has been this type of traumas and experiences, that's unfortunately in

Mexico, many people, we've lived, that's that's that's not the other the other

face, the other now, for example, here, there's a other example. This is

an emperner, the business a business to Colombia. He's small, but I've been

now I've been now. I think that if you're more money, my business could be much more.

I'm kept so I'm going to be doing with the own my new thing, or me indebt

to give a bigco exponential, gain more market and could be more. With

a plan, as we say we're clearly. Of fact, the financial is one of

the main the new customers propios, you limit. It's like, like what we

say we're saying of the case, if you you're going to you're going to get a time,

you're doing opportunities. So, also for the companies, as the debt is thought to

that the people, there are more money, there are some more more bad

than the people, even there some programs of government that you subsidian

part of the taxa or that they're like a price, so you

know a place of grace or time of grace, that they

They say, it's all six months, pay me only so interest and nothing to

pay me not the first six months. Put it to generate and then to six months you're

to make sure that you're that you're that you're for a person like you know you know,

you know, you're you're going to work six months and in six months you're going to give back.

In the world of the emrendedor or of the emperendendor that's so it can't

a palankmient or leverage in English the the palank because a palanca you can't

do you want to you can't do you a lot of a carer or something you can't but you're not you know, but you make it a palankation

and the palankation. The deuda is apalankment and for that so between entrepreneurs is very common that you're

how you're about you can't be your leverage in English? What is your power? In the world

of the world of the business is super normal think in that you need to the capital

and the money to do you I learned to the employees and the and the employees when I

work and the whole year they were in a plan to use the appalankment and there was where I found that breaka

so much with the people that we're raised in a class of a major, in a class of a language, when we

we're going to think we're going to use it? So, so, definitely, it's something that, and

that's all the case to the answer to the thing, we know, we're not

history to get is for us. Yes. Well, historical creditis is a agrador.

For so to end up going to get to get a money. There's a question to get to have to

get to do because it's to be a good, I don't do so, and I do it. And so much

in the in the Mexico, and not they're and not they're a little money,

so it's so it's put it. Put it put it's it's just. Put it it's a

thing. You're got it. You're you're right. You know you're

you're you to have paid to have it paid and have been good credit. Because,

because, if you have a mal history to give more those cases

of interest, who are the more score, let us we'll get, we're we're doing,

we're doing, we're doing, we're in the bureau of credit, meanwhile bureau you're,

more creditors diversified you, more taxes of interest they're

there are there. There's there there's that the institutions financial

and it's it's because it's your money or the money of the money of the money of

the money of and they're in that we're doing to that's not, that we're going to do, we're going to investings. preferrifice to them to present to the people who don't need to us.

They're not, because it's a system that's a system that is thought in that not the money, but in that's

not they're in more money. So, no they're going to get the people who they're not

because they're not going to because they're not the government and the beneficence. So if

we're on the other side, I'm you're you do you do you do

you do you know, you know you don't want to you're still to be to pay them

the protection of the bank and the person is to be to who

I'm to get to the historial of that the money.

So, I'm people who don't want to give them money, to the people who not have

money. Because they're in risk the business of the bank and the business of the

business, of the account abientes, of all. Of all. So, so it's so it's

so important to think that if you know, and say, in what I'm, I don't have

money, I'm, I'm, I want to do you do you're to invest in your

education financial. For then then if you're going to to use the deuda of the form

that you're to make a and you know and if you're to be able to prester and you're a little and you

start a little and you're saying you're doing a point of the point of the part for the entrepreneurs and entrepreneurs

or micro-emrende or micro-emrenders we'll becements we're going to let you know they're going to when they're they're going to

they're going to there. There's a money in all the Republic of Mexican not only the bank's not only the bank

that's a lot of money, and there's there's soces of the money, and they're a lot of different ways, not only a traditional is to go to

go to the bank, but there's a lot of forms. I remember the time that I was the class of the class of deuda in the university

and all my salons are like like they're like, how there existent there's many they're not idea of the

quantity of types of of debt that exist in the there's there's to dodas for money,

to buy cars, to buy, uh, for importar, for export, for a new a new for a new

for a business. For all, the other is to know what is the debt adequate for you. There are lines

of credit to casart. There are lines of credit to have to there there are

lines of credit to pay to pay your funeral. Mm-hmm. There are lines of there

there are there there there's a for to all. It's a world. It's a world. And then we know we know the difference, basically, between a devoid revolvent and a debt amortisable.

So, so I invite to all the people who are listening to today, to know, atrevanse to know the debt. The investments are incredible, but the investments function are thanks to the debt. So, always the pain to know those two models. Exactly. We'll make a pause-it. And we're we're going with conseil-practical.

I hope that the content of today and us is helping to understand with more clarity the difference between the debt good and the bad pausita

and we continue with the podcast you want to you want to feel you feel you you know what you need to

build the life that you needes the insecurity is a very common so if if you

you're just you don't you don't you don't you see much because that's much common so you know

to know that's this limit the potential of much beings the theme is to give us a time is down and get

to get to the time. As you know, I've had been to reinventing and start from

one and other once just to not conformar me with something that I'm really to get some some secrets

that can help you to you too to find to your abilities and atrevered to make

that you be secure but that not you feel like that you're that's a thing you're a lot

that's a really you're and that that maybe can be unalcansable. For

I've created a master class gratuit in where I'm going to share these secretes to find your

potential and can't your future. How do the salt to do you do you

get to and you and today is still for you completely

gratis. Inscribett now at Mark Antonioor Regil point com diagonal

potential repitit Mark Antoniourrogel dot com diagonal potential

I'm in the class and now continue we we the podcast.

We're going to Ludina, Cordoba, expert in finances personal. A me one of the things

that most me doly to hear and I still seem being unjust and doloroso

is this thing that the money and the poverty and the poverty attract poverty.

In other words, tristement almost always the rich are making more

rich and the poor are making more more and the class media

tending to and that can collapse to the planet entire, more than the suffering

personal of someone of someone who has been, and it's injustice. And it's injustice. And, however,

one of the reasons, for the what is, I know what you think you do this, and the

people are more rich, is more rich, because the rich have an education financial. And they can't

have a deal with the good. And the poor, as it's not because it's a

guy, nobody he said, nobody he's he said, nobody not has education financial,

nor even knows that is upalancarse and the only debt that is the mal, the only debt that is the for the 15-a-

year, for the business, for the the job, for the zapato. And then you do you, the people, the money, the

money, the box and the card of credit, you, is doing more more so. So,

never we're to solution that that that difference financial, while not we

don't let give us education to all the people. For that I I'm in this

world because I said it's just it's an unjust it's just that these people if these people

if they're to have the access to this and they're not because also I'm because I'm

not because I'm not to be able to say yeah to the city of Mexico because

it's someone because I'm so I don't I don't I don't I can't I

think I thought I in this problem with the deuds with this stress

that what is that when we're education financial. We know we know that it's important to diversification

credit, how use them to pay us. We're going to pay. We're not so good. We're not too. We're more

of interest and then we're more car to the debt. And we pass them, no, when we those pago chikitos,

that we're and it resulta that we're got an 80% of interest, no? And that only makes

that we empoversk but that that same institution financial, that same bank,

if you have education financial you can give lines of credit completely different to

those that you're doing for your lack of education financial. It's the same institution. But he's the

person, who says, and I don't see if I will pay, he'll be more, and I know what

to pay, then I'm more than I think I'm more risk. It's a thing of risk.

But it's the same bank. The bank has been the bank, the bank, the bank is the bank is

malo. The bank is malo. No, it's marvelous. to education, to how it to help

acceder? There's right we're talking about about the there's a lot of the there's a

thing that I know a lot of that I'm a lot of people we're doing a lot of you're doing to do you

know, you need a bank with the same capital over your money, you're you're doing to work and you're

create more and more and more and more money. And that is one of the deities that are less interests you're going, because the bank has your money, there's less risk.

So the interests of this type of linees of credit are very small. So I've got 10,000 dollars or $10,000 in the bank.

It's in CETs or in bonuses, is gaining money. And I want to me a line of credit.

In best of my money, I'm going into my money, and I want to do you preste money. Obviously,

what I I'm going to pay more than what that is that's that money is a money is there

and it's a or it's like it's like the money that's like the money that and it and it

numerically there's not there's not another thing that we've had been about. Preferently

that money you have to generate a rendiment more than the interest that you're that's

that's you're doing your numbers and we're we're going to take this

example of the If your investments you're generating an 11% of the

rentiment annual and your credit you cost a 8% of interest annual, you're going to get a

so you know, so do that's a money, Robert Kiyosaki. Calcula how they're to do it to gain

their properties, check a how much it costs in the bank, he can't, yeah, perfect,

characteristic of the good. Sure, for that we're back to the people,

multi-millionary, not compra no compra car or department, but he doesn't, because

that's that money can rending more than what is. So, you say,

and for what he would be, I'm going to, I can put to work that money in other other side.

I think that is, I'm quite something about a thing about, because, I've not to know,

I've passed, no, I've been, to be a bit, I've got a lot, I've done,

I'm, they're a line of credit approved for that, no, you know, he's,

I don't have any plan to use that line of credit, and, And, also, me cobrates, that, oh, yeah, me, I'm a more, I'm going and so I'll pido to someone more. No, but

me responded one way, but use it for, well, for, for, for vacations. It's, for, for, Navidad, me they say, I'm, I'm saying, I'm going to, I know this is your job, but I'm, I'm a education financial. No, I'm going to pay a 50% interest for going to

go to buy the gifts of Naviate. Sure. Because the amiga that you're doing, is her luchita. It's her job. And she's going to a percentage of commission if she, if you'll lock that money,

she doesn't, she doesn't it, they'll put to put to put it in money. But, Mark, no, you know, how many people

have come to money, and they said, well, and for what you do that the debt? Well, no see.

Well, to me, this me matter to me. Me, they're not. And as they're

and I'm, I said, I'm, God, so, no, for if you're

just, if you're talking, and you're not you're a plan to know, how you're going to use that

money to create more money? No, because they do it, it means that you have to say that's a clear.

And the that's going to the end up the end up and it's doing a lot of the money, it's doing a commission of what

you're doing. The house, the department, the auto, the credit, oh yeah, this is this line of credit.

So, they're getting commissions. It's all right. Someone has to do that is a form legal and

decent to do it. It's your responsibility to this education. Now, fiatte, what I'm, what I'm here

connecting with with much clarity, is that to get to get a good, or use the debt, to a good, a deal of the

money, the money, that you're doing more rich, that you can help you, to get to get to be

to get to money, is to be about the money, is not how you know, we're,

we're, we're going with the other. Yes, is the other car of the money, no?

Inc., even we We know we're in the famous taza of reference that's the that basically us says how it costs the money

that's the money and we can't control the inflation. Or the Department in the States United or in the United or in Europe and each one

has a tuesday every time that that's a time that's a move or back, it's a matter of the money's like the

reserve federal in the United a back or sub or subes according to the inflation the bank of

the bank of Mexico and in Colombia in Ecuador in every country there is a bank central

central Central. That's and he he's the two. Because they

they're in the money. And that is the government not. It's

autonomous. It's autonomous. Who is is behind of those bankos?

The initiative private. And expert sos and the fact that let me say

we're we're we're we're we're just we're we're in the bank

of Mexico. autonomous. And it was an autonomous. And it was when we were those devaluations and the generation

young that not he knew, that was there was not the people who were that the money to be to be able to

300 to 300 to 300 to and it. And it was a crisis and an inflation terrible. It was when

the bank of Mexico not was an organism autonomomomom dependia of the government and

the president said that that's important that that that organism is a important that because

until the The time has not quite our health financial. Exactly. Well,

so we're to understand of a good to understand to investions. For so also it's to start

to invest your money. It's the game of the final of day. I'm even in some

class it put it as a image. It's that learn the monopoly

of the real. This game of this game, in this in this

game, if someone has done, if someone they'll they're doing, they're rent,

it's the it's the it's the real. And so, the cartitas of castigues, they're saying

are the cards of castig or you, you've got you've got to you're doing, you know, the game

you're saying that the costs and those costs and necessaries and lus not they don't they

help you don't even to be over the and Robert Kiyosaki he's his game

of the cash flow that is the monopoly with the only difference that there

you you get in paperit what he is that you you have your state of

your state of your mind. So you're in your newkeets and you're you're going to you're going to give a

a new state of a country that's the that's the the realverter difference exactly. Exactly.

Regressando the plan and this time of the state of we've been about to you have been

a plan of business and more to be personal that plan that's that's

that that's and gresos and regressos and regressus so I don't don't

I don't a disagreement of the months in interest, but those you can't be used to get a lot,

you can't do you're going to do you, well, then so it's aude good. But of a person,

not they're not people, they're just, they're doing, they're doing, 200,000 pesos, and you,

sure, I want to 200,000 pesos, but there's to make a money, but we're going to

make that money, so you know, so you're in your column of the ingressos, and if you get a sofa, a,

do you, you're, you're just your of the 18 months with your

you'd have to put it in your in your in your regressos. And sumar now I'm to have a

single to each one of those 18 months, it's summa my money, doda

a newtourn nocturna that stuff, no? Deuda, car, auto,

tal thing. So, you're going, and you most of the most of

the people, the most the cost, or is in the debt to 18 months, and it's

so it's you need, you need, but it put in the paper. that money, those six months of

of months of interest, we're going invested, you will give to gain money? And the debt is it costing or no? So you have to account that the investment the investment he was doing $20,000, and the debt were months without interest, so, so zero. So what's what we're

so? So, yes, those medes in interest, is, ever when you can't pay. Because result, that then those medes in interest is, the part engaunosa, is that, as you as, as you, you know, you're, you know, well, is what I'm going to a second.

But not is the only a new thing you know, it's a five purchases. And you have

all the months of the money of interests, they're having more than the $30% of your

and you're so it's so it. So, it's a business, that's all those things, you're

that's not the people, that's, get your numbers, get your numbers, those numbers,

those people, mean, the women, mean, but the numbers, not

miened. The numbers don't mean. An a good some word about a good to start a

podcast? Aguas with the debt of the consumer, with a that's been to get to

see, out of the andr and pay the money, and the money, and interest,

is what we said we're saying we're a lot of, you're you're you're still you're

doing the bottle of the bottle, no, so much careful with that, make the

numbers, we, we, we're and of the debt are in the money. If you

do not the money, learn the money. If you're the attention, this theme of the deuds

good, learn to the investment in the education financial. That's the key for you know that's that's the

time. For favor. Invirted in your education financial. In where we can find you

to get to to get to education financial to you, Ludie. In finances with ludi.com,

my page web, atro, finances with Ludie in Instagram, finances with Ludi in Facebook.

And, so here, every time we're going to see us. Of course. Much of thank you.

Much, much, thank you. We're going to leave the league of a class gratuit that

we have just the initial of a of a course that not you talk about

and the but you about to how to get more money. Because one is gain

your thing, and other thing is to investir and multiplicar your money.

So, are two things different and they're we're going to let let's

If you liked the episode, then subscribe to the channel, yeah on YouTube, on Spotify, Apple Podcast, or any platform, Amazon Music,

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It's still your maximum. Thank you.