El Podcast de Marco Antonio Regil - 403.- Trucos psicológicos en ventas: el lado oculto de las promociones que te hacen gastar - Ludivina Córdoba y Marina Armendares

Episode Date: November 10, 2025

¿Has notado que entras “solo a ver” y terminas comprando mucho más de lo que ni necesitabas? 😅No es casualidad: hay toda una estrategia psicológica detrás de las ofertas “imperdibles”, los descuentos de temporada y ese famoso “solo por hoy”.En este episodio, Ludvina Córdoba, mentora en finanzas personales, y Marina Armendares, psicóloga y CEO de Capitelle Finance, nos explican cómo las marcas activan el  FOMO, (miedo a quedarte fuera), la sensación de escasez y hasta la nostalgia del fin de año para hacerte gastar más sin darte cuenta.Descubre qué ocurre en tu mente cuando ves una promoción, cómo protegerte de las compras impulsivas y qué puedes hacer para que las ofertas trabajen para ti y no al revés. 💸Y si quieres aprender no solo a cuidar tu dinero, sino a multiplicarlo con calma y estrategia, te invito a mi masterclass gratuita “Cómo generar más ingresos con menos estrés.”👇🏻Inscríbete aquí: http://almamatters.com/dinero-audio*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.

The podcast of Mark Antonio Regil is a production of RGEL Entertainment and all his rights are reserved. Episode 403. Get in the fiestas and gets the saccadera

of money. There's a mechanism, a machinaria that's a new money. And this podcast is it's just to know what is

that machinery, what are the techniques that the great companies use them to get your money, literally. So,

so today we have a experts for who I'm a applause with all of the little carino Luddy Vina

Cordova mentor in finances personales consultor an business very good very well really to

talk about a lot of a lot of the other and also a applause for Marina Armendaris

to who received with a great psychologist and president of capital finance

a company a specialized in life in life in the money so much

thank you Marko thank me exactly exactly exactly Well,

you know, the name is a good fin, Black Friday, Black Cyber Monday, the offer of the day of the mothers, the offer of the

summer, of the first, we're all of the problem is that no, the problem is to be able what we need

and quack us the money. That's a thing completely emotional. It's completely emotional. And it's

emotional at level not more what we're doing that we can't do, but a

level neurologic. There's a response that that's under what fabrica this

machinari that active a part of our response automatic and that we can't

we can't respond intelligently to these offers, like said ludic, with, with,

you know, pass and rationality. The emotion subes, the intelligence back, correct?

It's correct. To me it's important to understand just as just how you've started

this podcast understanding that there a minding that's a you understand

that you know, what you have you know, what you've said you're going a new next time,

because basically we're going to we're going to two or three times a month. There's where you can't get a little

a little what they're just what they're just all the last time that will be offers of the room,

or not, or the rope of the nightes, no, of these places that we're going,

and it's you need, if you need, you're you're just waiting, you're cashing the offerter,

it's perfect. For so we have to have to make the offer and the but that the benefit, but that

the benefit and the thing. And we're going to some of the secretos with that's these campaigns of the market

technet and some some tricks and some some some of some of the people,

that's for me, for me, in the world in the world in the world in the world in the world

that's that me makes of the most cruels, Mark, is this this sense of the

the that's the last time. If you're not act you're in this instant then you're for that's

for that's what is what he does it's adaptative and that's adaptative and we're able to is that active the system

limbicic active a level neurologic that makes that we're our capacities cognitive our functions

executive. It's the scarcity and the urgency. The scarcity and the urgency and the urgency and

they puten to tope to the amygdola and then then they put in this state

of stress of response in where respondentive that's that's a way to be pursuing a

tiger, but not if you've been pursuing a lot of an offer to know. And so,

what is we're going to this sense, as we're a way, a capacity to planer

and our capacity to control our impulsus. And they are something that is real. If you

they're not the offeras, if they are the inscriptions, but here they're

not because it's real that's going to it's planned but it's absolutely.

And it's planned and surely it's always we're going to not that's a year, how they're not that's

not that there's because now there's a this thing like to give you to get to that's a certain point that this

is real it's a it's a sensation fabricated yeah even when you appear to only there's

just a total just there's just there's just and you're going to get to get them

and you're so you so exactly and they're so they're two. Here, no,

we're not prepared, but the offer is more or less so on so on

only, only two pieces, or the last time, or the time, and the realh

and the real. Now, o'clock, this, in some vintas and in

some inscriptions, is real. Absolutely. It's real. It's not that every

that ever that ever that may be to make to do to be people

to be people, is thinking, is a real or not only is a

true. And if really I want, because if I go to buy, because only there's, although it's the real,

it's the best idea. Exactly. But what we have to have in mind is that this is that this is a

what you know FOMO. Fear of missing out. Mied to get me out. I've heard what you say said, I'm

know what's I'm doing a FOMO, I'm did a FI don't know. I have the new tennis that's got on.

I have FOMO no, I don't have the No, no, I don't feel to the Formula One, no, I don't feel to whatever, and I'm going to do with,

and I think we've seen a fombo, of that, I, I'm per'd, I per die, that's a product. I want to ask, and what's past? Nothing, here,

we're going to be from, right? From, from, that decision? If, from the fomom, because, if, I do, because, I see, I do,

because you know, because you're just just a lot to dock, and then, oh, because, really, I'm,

I'm, I'm, I'm going to to take the price is better and then the motive of

the decision is different. Now, psychologically we have to understand that we're because, you're saying

you're saying with a chico, no? And then you get a lot of but a repent you see that it's a

one or not? Or no? It's that all right. Now, now result it doesn't it doesn't

that you like more? Absolutely. And we we're called so because it's adaptatible because when

we were evolution and there was there was there or in some places there's but

the scarcity of because you have to get to pick that's because if you know,

you're going to you're to get to your tribe. But right what is that is that something

is that something is that is being used to a way a mercenaria for just to get us

our money for just to manipulate us to use our money to make that not necessarily

are the necessarily are the thing to have to have to The offerta has been

to have to be a cup is the cup of the lot of

the people the problem is when it's a really and they

are manipulating your psychology and they're and you're

making to make that I'm important think right that you

know that you know that that's that is equal to

not because the other it's a other does it good no

and And, of a point when we're a lot of the part more the part of not,

to be the whole people he's going to say, that I'm going that I'm that I'm going. And there

there's a part in where the fact that I'm not it's not it's a because a other people and I'm

saying to me, I'm thinking much at the time of the time of I'm just I'm very associated to

that Tom to come a tele. And you and you're well, this TV is this is

going to and they're going to give them a tele I need a TV One TV is the best use of my

minute in this moment And I think that is important We have this idea of if it's good So, so I'm

want to want to I want to I need and no less I need Like every Every single iPhone or the new Samsung

or the new whatever the new what the mark Wewewee Way how we can that's that

That's That's That's That's So that So that That's So it's

And this It's that It's that It's that It's that It's that need the memory and,

you need to the new, the new telephone but the campaign in Mercado Technia is designed for that you

feel less if no it doesn't. Totally. So if I'm I'm going, I'm going to I'll,

and that's the part in where there's another trap that is cruel, no, that is,

to what you are you to be to be and who you're to do? Because that's

the sensation. I mean, I want to be the people cool, of the people

of the advanced of the people innovator that has the telephone before the

person who has this new, or I want to be of the club of the people who

I don't know I identify I think that this type of a matter of that you have a product of or it's a

thing that we've been a program of radio formula is that these markets right we're

talking about talking to because we're driving to the market for example in cellular or in

that we know that let us let us let's the example of the marcas not in the

carisette or that's are you are not not created for the people of the people

but not created for the people or of class media that you want to get to

get yourself and you want to you want to you're you're that you do you

and those and those boutiques of lucho not those do they're for the people

but the class media that's trying to to apparent something and to pertain to

pertain to and the market's, and the markets have even the different. They're in the

number of the people that not are not that's all and not that's not just a

really good quality or with a good design very good design, and then the other

gama that is like a more that is for that the people that want that is

that person that person that can come to and it can be and it are two

lines completely distinct for these brands. And that's something that when you

know that's it's different. It's different to put a markota before and then after after to do that

what is what is doing that that's making that market the looko that they have the line of outlet and

the line of get into even the little bit of you're just going to you're going to

get to come to come to me. A bit of a lot of a lot of the famous this

that's that that's peininin a the cabo very beautiful, that for

a way, you know, to see, uh, and, uh, and I'm

going to this, this, this, this, this, conscience that's

this dispeer to get, the thing, I'm, I'm, or for

what I serve? Uh, a secador does the same the thing, me,

but a me, but a me, I'm, you know, for what me serve

to me, the time, me, it's when it when a second me,

I'm, 40 minutes peinandom with this thing I'm about this I'm a

there's a very much there's a question. Of course to say, me, I'm mean,

not I'm doing it's not you're doing it and that's so you're so you know when you

when you sit in this impulse to ask to you to me to be to give

this benefit and it you want you know you know it's take you but you're

you're so you're not there there's there's the Robert Sialdini, and confirmed in studios of the Journal of Consumer Psychology,

demuestra, demuestra, that the perception of potential, I mean, I'm going to be a pervert of this, I'm going to get, without the secador or not going to enter in the offer.

It's going to be to accelerate the decisions in form impulsive. So, we're not we're able to abortions and the scarcity. Absolutely.

And if you see fission, and this I think, the majority of us have said, you dole much more, to lose

a billet of 200 that the that the do you get to find out to get to get to

get to we get to we get to we get to we're going to but we're a good. But if we're

going to get to get to six months or one of the day that's me call it because

because it motivates much more more the the because to use the

power as a mechanism to to to promote to promote the

consumer could be a questionable but it very effective

And, obviously, all the brands know this. So, what they're doing to make us feel like, is incommoded,

is a dolor. I'm dole to not to have done to that I'm doing. I'm due to think that

is it's a time to be and I'm doing it and they're 18 people have done. Unete to

the tantas people who do you know I'm not that you're I'm not some type of because that

you can't make a click or that passes the target. And there's the of the

etica, because if you you say, I'm this, you know, you're a problem that's a problem

and it's a thing, this supplement or this or this medical, you know, you know, you're doing,

you're doing, but with ethics, but if you're making a lot, me's making a little, if not you

don't have this telephone, no, you're part of the, not you're a person exitosa,

there's the line of the line of the etic. Sure, because you're and so

you're I'm in my house. I'm a day marvellous I'm a day

so much. I'm... You do It's, because the you know, because the tuey because the only the time of the

thing you know, and if you know, it's not much it's, just about the auto more new. Dice Adobe Analytics,

that the promotions with time, augmenting the rents in line to a 35% or so, is a gattillo

that's a thing in Latin America, the FOMO, the fear of missing out, MEDA to Predict to POMO

POMUES of the you have come during events of re-batches. So,

the fomo vending. So what you have to understand is that there is that there can't

that you feel you feel you that you're that you're that you want to you're going to

you need you know, you don't me going to get the offer. But the

most part of the time are things that we need to be that you

think they're like the machine like we know there's a make a

a machinari that's, I'm really that's too they're in the word about the thing that's

the color of the commercial so when we we're doing we're doing a machinari a proposito for me and then

then so we can't get us the thing to put us there's a yombo the yombo you've been

the joy of missing out the joy the joy the joy of the joy of to have to be And that's obviously

in contrapeas Alfoam, but what is very interesting of the Yomo, and I like to think about because just what I do

Ludi is very important is, well, this machinari no, this not I'm going to do you know, I'm going to then we're

so, in the personal to say, how I'm also I'm also, I'm to make the to the trapas of this other

machinery. And I'm also I'm much the concept of Joy of Missing Out, not like lobotomisarmes and say,

la la la la, that's not function. But this is a question that me in the person me really to be much.

To what I'm saying to when I'm to do? Of the when I'm going to be to be a balcony.

I don't know because, because it's no, I'm a little I'm a patincite electric.

No, I don't have any the ad, nor the reason, but I'm that's a

little. What's the thing is, the thing is, because it's like a motor. So, so I don't want

to be, I want to I'm like, I'm like, like, like your secadora. Like your

like a but I've got to justificing it. No, no more to be a time,

if at a case I'm put a little in the cruis. But what what I mean,

I'm really, me dole, me dole, I'm not to have I'm when it

because obviously the algorithm know, and I know, and I'm sell in

three hundred commerciales of patincito, no. So, so what

I'm to do this, what I'm doing I'm doing I'm going to

it's, what pleasure, what desire, I'm doing, or I'm in possibilities of to do you to this, of this other,

of this other thing, or so, all end up the painc't that I'm, and the truth of a

lot of possibilities, because what are the alternatives and what other things are possible for me for, for enfrenting

and superar the fomom. And there's the joy of missing out. Oh, but, let me,

let me, if I'm, I mean, if, I'm, We're not so We're so I'm

so I'm so I think so I think it would be so it's a it's a it's a it would be

it would be it's a you can't you know when you're in the city of the city of where you

can't be on the city where you can't you can't you do that you're you're you're

you're you're well is the problem the braunca the I'm I'm quite

to give a more of the I'm a motor another bike

another bike the the really is that I'm move with two infancies.

I have a son and a one of a little bit of a lot of my patincite. That's not

going to get a time. And that I'm a free of the end of the end of 25%

in one something that I know that I'm that's that's but that is going to

formar in the list of the I'm that I do really and that I'm

going to do the abogado of the diablo. But you you know you're doing.

There's there. There's there people that's there's like they're in the time

because so we're doing this is the voice of a conscience that you see. And I'm and the

real things those days those days, those days that I'm like that the day I'm like

I'm like a perro, not like other people there's there not like but like a per rome

and me I'm meresco all right there's where I'm more that's also the

algorithm it's how you know your patin? That's not Scuder has a number

special. They have a number special but no me know to start appearing offers. I'm going to

be part of the club VIP. No, you get this out of the people that you want to

you want to you want it. And you know, you know, you know you're not you know

you're not. But you know, but you're not a part of you're doing apart you're

being me meresco I'm I'm and I'm and I also I'm sure

to make that the Naviad in my house has all the conditions

and I'm I'm to make a really to my family to come to my family to and I'm

like that's the and I'm and I'm and I'm I'm sure much things but no me me

I'm and the things that I'm make sure me make sure that I'm that I'm

that I'm to make sure that you're to make you eliz. Elich. So, then you

then you're so you put this the ballance, my patin, my scooter me does but

I'm a the ballenas. And also, I don't want the stress of the credit. Because right you're starting with a credit. Exactly. I'm meresco

that I'm going to the carder to get the card. And I'm going to pay it. And it was a time time. The stress

where I'm going to get a little money to get a very intelligent. Because it's just a no, no, no. Like, like me I'm just like.

But also I'm also my pleasure. And as well, and as I'm putt many multi-millionary and you're so

over the money, then you're over the money, But as but as so, and you have

to choose, because you have two kids, you have two you know, you know, you know,

I'm, I'm, I'm, I'm, I'm, because this is a premium. You know,

you're a end of an intelligent. For that that's the joy of missing out. That's the joy of missing out.

To what I'm saying that's saying that if, at decision not to buy this, at decision

not go to this place, to decide, privarm me, that, what I'm that I'm doing

to decide privates to what I'm to be that's the because of the concept,

and I'm this concept very that's that we're in that we're that we're not going to do something,

we're going to do it's limited to there's little there's there, there's little to make sure

the sir Carlos Slim's can get a superer without but recording that is in

where you he's the the market of the market of the car of the car

How many? How many? Sure. Sure. You have done of that trying to generate more

ingress and you is causing more stress and you're extra, but it's sufficient. And your

life personal is suffering. Even your per rome that's a person and you think that you

can't more money and have to sacrifice your time and energy. Creeing me, my plants almost

me denunciable I also, I also, working as a loco in television, in radio, until I did know that the clave not is

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

same and you would be solution to have a master class gratuit that you can't help.

I'm Mark Antonio Regilly, since more of 20 years, my conferences,

tarrers, and courses in line, have helped on millions of people in 27 countries

of the world. I've learned of mentors like Robert Kiyosaki and Blair

Singer, to change my mentality over the money, develop ability is clave, and as a consequence to gain more money.

And now I want to share this master class gratuitous is called how generate more more increases. There I

will share with the five steps essential that me have served for that you can't you can't

you can make you have done are the things that you can serve too to create a

more plen and equilibrium. So, your perro not you will be a extra and your

plantas will be able to grow. Do click in the Liga or link of this publication

or or in the button that also to be you know you know you're

for you get to get to get us and our maximum potential without

we're in zombies of the work. Dese the

the University of Harvard that that that to expect 72 hours before before

to buy something is a technique very good that reduces more of the 40% of the comps impulsives. I mean,

my patin, I'm going to get to be seven and two hours. So, about comps small,

montos more small. Here we're talking about a conversion of what costs a motorcycle.

But you you have talked about, me it with the things of the paddle and I'm with

the trages of the bao. I remember you said, I've I was in Cancun, until before me

was a excuse, I'm a I'm going to say, I'm going to be in I'm going to but when

those met you to your carrito respirates, you're going to you're going to and you go back your carito,

you say, oh, like I'm like I'm I'm going to need to other two three

three years. And there there's a and I'm going to be a balcony and certainly

too many many many people do you get to you get to you don't,

sir, there's a packet there's a I don't know what is. No, it's a surprise.

It's a surprise. It's a surprise. And so I'm going to do when I do do you know, and then you do you do.

Peeed things and then they're saying. Aver, no, are, uh, the other day I paid a, a other day I said, I'm going to decorate

my house of Halloween and I'll get a some morsealagitos to put them in the door. So, because just, because just,

it's something that I need particularly that I did in a moment brevet. And so brief was the moment that what I did, that in 24 or 72 hours, that

I get the packet, I'm, I'm, I mean, this is like Santa Claus of the adult. I mean, I don't know what will be able when I open this caja. And that, evidently it's, when you use this technique at the 72 hours, because many times, for when they're going to go, for what, decollowing?

So, I mean, no, just, no, just, no, any who's going to do you know, and, this, to, you know, that to put that space between the pulsion, between that impulse and the action, you can't assure you that you're making

the mind between the stimulus and the response. Yes, for so many times, to get the carrito, I don't know,

I'll add a carrito, I don't know, I'll adder to the carrito, but no, I don't know I'll see, I'm also I'm old the carrito. Sure.

That's the Mercado Technia me gave a email to do you, abandonaste your carrie? No, That no

you'll forget what you've got to there's a there's a there's a there's a yeah,

there's a little bit of and then they're the mail and then they always put it they're all they're very

very good for sure that's I've got many things and put it abandoned the articles

in your carito and then before that someone more so all you get a

form yeah, yeah because there were there was there was there's a

carito and I'm they're they're like three, four emails to but then then I go and check the carrito and I go and I'm going to buy it. But that's,

that is a sensation electronic that you can you can't sacear this necessity to buy and you're in the ching of a carrito pente like that

just to get it and then I'm a little to go and I'm going to and I'll go to and I'll go to and then it and so it's

my abuela my abelua my abelior of many things had grown in the time where he had a lot

or gastar money. And then I'm going to talk about, I'm going to get to get to this record

that's really. We got to get a super of the super. And in the super, it was a gigante, the cadena

that's a because that's the palozoic. And so, and then we said, and the man,

that I think that was a bigate, what we do you know, that's a little, you're a

little, you're doing, you're doing in what we someone comes to to do you you,

you'd not you'd like to you know, I'd like to know, well, I'm sure, well,

then you're so he prester the time, the super, the senior giant, you know, you'll preste his jugate,

but when us go back us, you know, and I'd like this sensation, to me, I'm, I'm, you

just a thing, and that's a thing, and that's a thing that's, we'd have to we'd have to

something, we'd be able to get a a particular to, go to three or four tiendas

to find it, and in that time we could give time to say, really I'm really I'm

really I'm really I'm there's a there's much friction in the adquiry a product. Now what

what happens is that's that's a carpare and you're a a click and you're just you know.

And the disminus and the diminution of that that friction has that we're not we're

to be resilientes to complete a company and then we're we're not to come

to put to the machinery, fabricar that friction. I mean we know we never know that I'm

going to get 24 hours in the carrito. I don't know that's, it's not going to a lot of the thing that's a force,

you need to get a minute. But at least that it's a emergency real and concrete, no, I'm not

that's a not that's in my carrit. Because part of the anxiety that you can, for example, in

the market live in Amazon, these platforms that you say, and you put in a relogito. It's

a day. So, you order in the next 15 minutes or it's in the next

you're in it's a yeah, you know, you know, you're put in a little bit

a little bit of the process of logistic if you know if you come back the night

before it before it before the night but the fact that you they're that you

know that you can't you know that's that's generally you generally that's

yeah. The university of Stanford also also says that the stress and the

nostalgia that gets at the end of especially, active regions of the cerebring

with the busk with the business of the unbiated. The trestice Navidea, that the

more gets more because more people get to you have gone, and it's going to, until you you're going to.

My Marko. Well, is the real. The cycle of the thing that's not,

it's not, every year every year every past, if you see, I've been to have been

to be to be to be a list, and me Entre a nostalgia horrible, and every year that passes, it's me va, someone new. A man, an friend, an amiga,

and he's going to be worse until I'm going to go. So, you know, I'm extrañer to me. But if it's that I'm extraign. But, so, every day there's more nostalgia, and there's more trustee. So, it's a new bonita, the end of year, very beautiful.

Or the day of the mothers, and the feches that were the most a fiesta of children, they're starting to become in nostalgia and tristesse. And then we go and we're saying, we're saying here the statistics,

the university of Stanford and there's there's there's a machinaries that's that's

there's and what is not just not more the stress and the nostalgia. The euphoria

and the thing also also it's so for where you see

the the state that we have done in the fiestas and we we're

we're less conscientious of we're and also the end of the end of

the end of the end of the end of About of the other technique and of the

machinari know, the profecate, the profic procururubria the Federal of the consumer in Mexico,

so the year last, he found it fielsen, fission that four of every four of the

half, the best of the good fin, for example, not represent rebarkas reales.

In some cases, the prices are, and then to put them to put them a discount.

For example, it's would be so. there's the offer. The antes and the price tached now.

But that before not really before. It was a year, after two a few a month,

it's a that's a that's a this is a minute, and the profeco, the fact is

of the fact of the time in this aspect, until the year, the fact is that I've

not revised and they're not done this tool to be this thing this they're

what they're in the people, and the And then they're an investigation La Profecco has a

investigation about all of products electronics and these things they're going to investigate to the commerce

days before they're in the price the most the most time the most times, the more time and

they're really there there's a big thing and they're to them and they're to them

but they're but only we're only we don't know but only the period of

the impartial in Mexico says that in the fine in the year past, 79.4% of

the compras corresponded just to just to get to get to it's... It's... Altissive.

It's there. And there is where they're this themeita to do the price to

then go to do the thing. There's a application. One's called Camel, Camel and other

Kepa with 2 S and with K. This only only works for Amazon but you

put the product for number or this code and And you teach,

in a graphic the price historical of the product. So, this product, in the last costed is 10,

and the most high is 15, and right it's in 14. And when when you see, that's, that's,

that's, that's, that's, that's, they're, they're, they're, there's,

there's, there's a offer, but that offer is much than the real, of the

price, the price historical of the product. And when you know, just you know just to go ahead.

You know, just the only can't get a lot of the technique that's an anchorage. You're ankl anclion

anclure for that that's a great discount. And if you do do you do do this your investigation,

if you want to knowces the price, you can't get a cut out. If you're there,

I can't exactly. Fords Latin America report that in the year, is the the year,

pardon, is the the month, is the month, precisely for the excesses of December. You know,

you're not just end up as you're in deutating in January. Not just you're more in December, but you're

more in January. It's that is that impressive to me, to me, in this time of Thanksgiving, Black Friday

and all these things that come in all the thing. I'm preoccupy a fact to do

a lot of the money that comes in the end of year, to the fund of the money,

and why he's a effect of a buls Rota? Because like if you if you were

a bulsarot to make you get the money but you and this

this is a much people who we're going to get a credit in the Nero because that we're getting

extra, you know, it's going to the time and so where now now we're not only

we're we're we're not it's too we're and we're and then in Nero

I'm so I'm so I'm so much we're going to because every time every time

you say the night I'm you'll see what I'm you're you're a bit of

It's that I'm I've done. I've done. But why culpable? If I, for example, when I moved my apartment, I know I'm going to move up

my apartment, so if I go to the night of the palace and me do they're two months without and it's a cost of a corroboro

that is some disconts and all, then it's all right. The problem would be to do something I'm going to

my camera if it was in my car, if it's in what in this if you're in that's in that we're we're not

we're not we need us. And for that us auto-justificamos saying that all the and for that

I'm sure that I remember of this election of her, what is the difference between necessities and desires

to get to get to get to get us. Ludi and I have many many questions about this. But the difference between desires

I, what I feel is neutrality. If I'm like a lot, no, no I'm that delicious,

yeah, that pleasure. I mean, I get it I'm a little and I'm sorry, I'm going to my day. I don't know. But if I'm

a want to go to a sushi delicious, and I'm going to eat a delicious, I'm going to be a pleasure. And what we

also is a trap of this same system consumista and capitalist, is that we're all the time, we're we're just

to put uphors and thencees. If I'm systematically can't give a decision, what I do is that the etiquette

like, if I go all the sushi. What what will pass is that the sushi now will

be to produce pleasure. Exactly. And what happens to is that when we're

we're going to use us what we're doing is robandons to us to us of the pleasure that we're

doing a and that's very important. Because as Ludie, Ludie has finances personal and see

many many presuppos and we're in capital we know all time when they're doing the

time when you've been your column of the necessities and the

ujas, the hair, the sushi, 30 streamings, because I like the NFL, but also I like the Formula 1, but I'm going to move the basketball.

30 streaming. No, Chathis. Those are your necessities. Those are the desires that are you are the

things that's important that we're not going to be we're just we're just here we're just we're just we're doing

we're doing in saying, this is a necessity or is a need to you're not a camera to do you

in the piece. And you're a little and a but you buy you you're gonna

you're in the you're in this is delicious. No, the sillion well, that's more

bad at the money, but it's important that you understand that you know, that's an necessity,

it's a necessity that's a desire that that's a good, that's when you're you're doing, it's

badest you that's good, I'm that I'm that's my this

sillon and that I'm going to be a second in the signion because

to have this a single because of the thing that it's a correct about. I don't

do you need to so I'm I need to I need I need food, I need a

I'm a example of my house. I live in a house very a house that's okay, I'm, you know, I'm, you, I'm, you, and I'm, you, and

70% of what I pay it's the I'm in a little bit of a house perfectly adequate for that month. And the other 30

I'm cataloged as I'm in my house, not all the days that's not much many times that I think I'm that I'm

that I'm really that I'm going to live in this house. What's a fortune. That's a feeling different. But you

but you can't do it. I'm just kidding. I'm just kidding. I'm sorry. Put in the etiquette correct to

live in this house is a desire. My renta no, my renta no, my renta no, is a need to be a dreamer to be. And if you going to buy

a month and interest is that is a desire to do you, I'm concerned of that's a complete and no a necessity.

And elige your desos complete, and I'm know, I'm can't do all the decisions,

I need to do this, I need to you, no, no, no you need to do but I'm, I'm going to do do huts,

which I'm going to do, for that, for the 12 for the time, and the and those pays those,

And those pagers with gusto. When you get to your mensuality of the sillon, you know, delisia, I'm sitting here. With what pleasure I'm saying.

Well, look, simply has been it's a sense because, for example, in my case, that I'moebby my department

of a hallon, no would have been able to do a hallon if you've had to have to have been to a month.

So, then I'm a year, I've had to pay all my mubles, and I'm paying a

money, it would have been the equivalent to buy me, I'm going to the car in the sillon, tomorrow the

commoer, tomorrow the the television, but no I'm not the time, so you're going to you know,

you're going to you know, but it's part of necessity and part of, part of a luxury. Exactly. Exactly. So,

so then just it's, not it's, not you know, I mean, I want to, I want to, all the time.

And plan, on those meses without the money without, so I've seen so much, that the

companies that come in the money, so, you know, and there's, and there's yeah, there's a

problem, It's the planed very well. This, we've mentioned also in another episode, preferably we'll make months without for those articles

that are going to more than than more than the time that we pass us paying the article. Exactly. And, and it's be

conscious of that our brain our brain the cost of the market technia of the ventas and the recompense inmediate,

what we say, you know, I'm here, I'll do you and do it and I'm gonna get it now, list,

in the piece for you to do you you get it's right even. Incluso, there what they're doing is that,

again, what he's going to be doing is eliminate the friction. Because if you you're going to you're going to

have to targeter already, 10. And they say, no, no, no, no. Right, not you're going to

give to give us. Damn, 499. Right. Dissus, ay, it's, hey, so, right

I'm going to feel like a pleasure and nothing more, a percentage of a lot, that's a this is less

mercenario. This is, pay it a minute, I'm, this month without you this is

you know and it's in February in February. Cereo no dolor, pure pleasure or so,

who they give pan that you're that's delicious that plan. The thing is that February will get.

And dole less with a target and we've been able to have been so much it's worth

to pay in a credit to pay in effective. I've seen I've seen that much people me say that's

that's 499 if those 10,000 that I would I don't I don't know, but as this I don't

I'm in the friction and you put it what is the problem? What is the problem? What do you

do you guarantee that you're to have to get four 99 the next two months? Or do

you planes to guarantee to get to be to be much, the recordar how it

is a recordar how I'm that you're making that you remember, that we're

we're what we're what we're and the passives that we have we

even I'm going to I'm going to I'm in my passives. A lot of then I'm a lot of much

to be it like a lot of a good about a good thing. Now the the thing of the dopamine, no, the

the company immediate. I mean, there a rush. I had a one, a friend that our producer

when we did we're doing to make the person people, she said, she was

the producer international and she had she got his money so his marid

his marid he was very well. But then so, never we never, Pamela,

she was a marius producer, never we've never seen a quarrel. And in New York had a hwar

distinctly combined and never repet a roppa. How did it? No, I know. And wow,

exactly. And he was, the marital was really and he basically paid to

all the money that was to be for her. So, so, so, so, so,

so, when we were, he said, it would be a better than you would be a a little bit more a thing is a

when we need to when we need to this change of paradigm is a change that's a change to do you know to make a your situation

financial. The money that you're not you're using to survive not you don't it's over because that's

a thing we've in Capitel that we've we've done particularly with people we do this my money is for my

chickles and sobara, because I don't maintain the house. And if I can't 10 and only gasto $8, no, no, no, me sobran two. That money, there is to intentionar it. I mean, she, she was, she was not for therapy. But who knows how much

took the decision of that all of his money is in roba? And what was that he was going to do you know in a lot of New York? Planet Mark. So, it's difficult not coming for New York and to create some and try to be. And to attack and you're atascans and things, well, is

So, it's almost like the style of life. Absolutely. So, that's where you can't be able to be able, but in New York, in Milan, no, you know,

certain places where the onda is be being, being made up and to be able to go to get being in every parador

10 things that you want to. And you know, that's, we know, is, We're not thanks for

for a company during those 40 years of career. Singam, we're going to come back back.

But, we're going to we're going to the months without the money's, I'm,

the pay those, the payos chiquities, it's the publicity, no, but also

there's some of the money, they say, they're making, and it's cost me

more the pay for the pay for money, so, a total do, but there

payos little the article, the refrigerator, or what that's the cost

to the cost to because it because you don't have because you don't because

you're a a trap too very very very have

heard you have pay later? Yes. No? It's a car now.

Compraver to pay after after after. It's, now are applications. Cuski,

a plas or some numbers of the marcas that are working. It's

for people that don't have not paytas and don't put to be a

lot of finances. I'm not I'm going to be that. For default when

when you you're you want to you want to make the last long of 15%

Just only they're paying $12. When you do you click, there's interest. If you eligees after four quincenas, but if you know

because you put for default, 12 quincenas, only that they say those 12thensens if you tryen if you're even if you'll

you can't be that's all right in letters chiquittes like, and I'm really, and I'm really, and I'm

trying to be arming like the machinari contra machinari. The contra machinari. The contra-maquinaria. This is one of the things important to read the letters and we know, we know, we're just that we know, the famous pagos semianals or pagos chiquotos.

That at the moment of multiplicarly, you know, you're doing that you're doing 30-40%. That's a thing important, because Lodi is a person who loves the numbers and the mathematics. But what's the people that not amamble the numbers and the mathematics and not have that mental. I was of those that not checkable the accounts. To me me, they'd have made the account in a restaurant

and said, perfecto, and pagra-a-law-lawed. and me I was much with this type of things. I said,

a pay, a pay, two pagos, three pagos, four pagos, and I had,

and I said, well, more or more or kind of, like, more or

that is a six months, it costs more or less equal that

I'm to do the money, and I'm doing my cellular, I'm in the time,

I'm in the practice of I'm doing that much many times those pagos, when I

do the mathematics is represent an 25 or a 30% more in the value total of the product. But when you see in cachitos, you say, like more or less if I'm not the math.

Sure, no is much the interest. Because in no one where they put the interest explicit. Not as they put, how is of each of how you're going to pay.

Yes, and there are many models of a business that are justly in that, in vending refrigerators, stufas, there are people

that even prestes money and they present to the people more humilde, with less money, with less

education financial, with less resources and it's a people who are they're more them. So, they're saying,

you're saying, you're going to get to $30, 40, 50% more more. Imagine you your model

of the new newties to the money. The business is the credit that's going. There are

banks that are so, so they're middle rural and that they're they're not tases of

interest to alticicicis and that's a business. And that's a good the people more

poor because no it's a much years I'm a a house

for a for children in risk of the for kids in and kids in years in risk

of the and there a when you when you 18 years that you had you

there's a process of preparation very important and robust no

of preparation emotional of preparation practice life independent etc

you know what was the major am the most?

You know? And so his dream to go to buy your motor. So,

they'd get to be independent in where when they're to get a little, yeah,

with a little, and that that motor a plasos they'd during years,

so, so the most most dangerous for these chavos was the motor to and all the

normal majority, the day they'd get to get to a target, the same

to the same on when they were to buy the and they were to with the motorplaces,

as a lot of place, as a first act of adultess independent in the life. In the States in the United and other

countries in Mexico, I know how that's the thing, because no, we don't know we're in

the United the education. It's a thing of the highsions for the education.

You know, you know, I'll be a debt enormous, no, that the democrats has been

quite to get to do that. No, no, they've done. It's not done. They've done. They've done

have been intended, but imagine the student, it's with a debt of $200,

300,000 $300,000 of the university. So, you do it? To pay the debt. Degasmelo to me.

That's what I do. That's what I did. I studied with credit and here in Mexico. Ah,

well, I was I was doing what you value of the luxury of the university, for the

and with taxes of interesting yes. I said, but if not are not they're

a school, because they're because they're because they're and here, yeah,

here the what what you what in that then that's,

like, the problem is that no a credit impotero? Like a credit impotacary? That's not

we don't understand the interest. We're going to what we're talking. Ah, do you know,

I'm going to pay? Well, so if they're going to pay, but no, you can't you know,

you can't you know, how that's it's going to be making the kind of the contra-maquinar that we're

making more, is to understand more the credit. Ah, of course, obviously.

Obviously less culture financial, less credit you know, less entient of the creditors, more interest,

you know, the people that the people more poor, the people more humiliation. So, say, you know,

there's there's there can, there are there, there are people, but there can't,

but there don't know, and they're we're just, we're just money, to make a money,

so, yeah, but you're you're much more more interests than a bank

established, no, that BV, or that BV, and all. Because as because as

they're going to they're doing, because no you're not a creditis. Those are you. Those they're present

but they, so they, but they're, but they're they're, they're not a good organization and we're

we're doing, and to the people, and the people, and it's where they're doing their, there's,

there are, there's, there are, there's, they're, they're, so, they're disfrasan

to impact social and do, so, we're, we're, we're, we're,

for so, for so, Because, yes, it's certain. There's microfinancial and there's a lot of people. It's a lot of,

it's an assault. No, yeah, be, about of the creditors, a reason is not to understand the interests,

is not to understand the time of the credit. Yeah. That's something that's a lot of the

money. Passing the targetas on a target of credit, but not they're not sure you that they're

they're a moment in the moment to pay. And many times resulta that the aginaldo or

the fund of the money or the after the moment of We're going to suppose that you you're going to

in your court of 30 to you have to pay your card the 15 and resulta that the Aginal you can't

you're going to get to be going to be you're going to pay your interest. And the error was not

to understand the time of your target, not to not come to get in the expense, no, well,

you're going to do it's not going to do with the planiation to buy it when to do you're

going to back. Exactly. Oh, and you're going to the state of your sofa, 12 months

without, without but the state of account, it's a minimum. The pay

minimum is a little other other thing. And if you think you get a minimum,

it's a minimum, so I guess, but I'm that's a percent of interest, oh, no,

I'm, I'm, I'm, I'm, I'm, so, they're they're

so, they're in the money, and then you know, and then you pay,

minimum for no generate interests, and that's the money, you're, you're, you're, you're,

you're, you can't in the Pago minimum that's a a

times you're at the it's the about the people of the

things. And there other to be to all the people to be

people there there there is a person that you

know that so it's not not not not

not because that's so so so you know you

you know not the time not the not just the system like

a manner, with these truquitos, to be how you pay you do you do you have to do that's

to say, I have to have to have a information and put a attention and dedicating to make to make the less

possible, having what I mean, merciending me, me, I'm making the things that I'm doing the

things that I'm going to the things that I'm going to get to and I'm another more of other of the

truthos that here we're the problem social, no? The proof social

I mean, there's more 10,000 people that have been there are more than 10,000 students that have been, and it's

really, it's all, it's not, but also, it's not a, with a, with a,

with a, that's that's, literally, they can't mean, they're, so,

if you're trying to someone that's, you're not, you're, you're you're really,

10,000 people, you're because what we're we're saying, so, is to,

we're, to be to be that people, that's, that they Or they put in testimonial. Well, not all those testimonials

are really. There's certain. There are some of those photos have got to... Yeah, of a stock of a stock of a base of data. And they put in there testimoniales and strellitas and

all. That's all right. That's what you have to be with the credibility and to who you are you trying? Totally. If you're a

company decent, a company not you're going to mean. No, it needs to make you, because it has

marvellousous programs social. But when when you're trying, so in line, to the brutto, whatever

of the founts that you know because, obviously there's because apart not it's a legalized, nobody's

like the, you imagine to the profecco verifying every, every, every, every,

yeah, I'm really, my life champion, this, Maria, no, yeah,

yeah, well, I think the problem social can be a good, when it's

real, if when it's real, when it's when not it can confunding, but when it's real, it's very good.

So, because in this time it's a much fraud in ventas for their social. It's so so easy to open to a

account of Instagram, to Facebook, subir the photos of some boxes and say that's and then you're and then nobody can't

and then you and you're to come to you're going to get to get to get in many of those frauds.

The point of having to get to the problem to be that the comments are that are participating

people who are reales, profiles real, be that know-to- they're seeing that question

to ask a person, you know, yeah, you know, the problem to use to your favor

when it's a little part of your contra-man. But, but, this is, it's a

thing of responsibility. So, here, this is, is like, it's like, okay,

perfect, I'm, we're talking, we're talking, we're a little about a little,

Mark, and you, in a conversation previa, no, if you you have

a product that is good and you, And you're, you do you do do the

responsibility and you put the problem and you're incredible. But of all the person that's the person that's the

responsibility to investigate to, a little what does, see the, to get the and see what you're doing,

what you're what you actually need to be, and if you have the possibility, even, you know,

I'm just here, and I can tell, what is the value that he did. And that

is good because, that, that's to help us that we're doing the things that really we need

and we're in not the other other side, also also to get in the that's put in hake and that you as you as a

person, that you as a person who offers a product or a service, you're being very good to do that

you know to do you know to do you other of the truitos the things that are at that are in

cars, that we're doing with with TEMU and with all these things that come in

things that come very beautiful and they're they're quality, even you use to use the

use the word demu like a lot of a lot of the other day, one invite us said,

no, then they're to go to their them to someone, who are people, that's a

person who to get a therapy at Tymu in TikTok, a blogger that you know,

a psychologist, so you know, so it's also, it's a nonimimim of chaffa,

of a quality. So, for example, there are markers that, because one of

one of the one of the one of the cost for the times that really you are going to use.

For example, Ropa Deportiva, that now we want to use a sportive, but we can't

to use to use a sportive, not only only to go to get to the tup,

what you want, and you do it, we'll put five more car. But you will be

over 12 years and you're going to be to get to the gymnasio and to come the

domino and to do you and to be in the car and you lavas and you

do you it's, you know, you're just you're going to, you know, because it's not because you

aren't, and you don't. So, it was car. No, it was car. And I think the Ropa

Deportiva is one of the things that is a great example, because the sportive is one of those other other

articles, that between the better quality and the of the quality, there's a huge. Enormerer of

you. You can't get some leggings, I use some of the things, because they're

of the things, that's, and they they're You see how the costures to decoscent and the of the ballitas.

And then here is it very clear. But that same idea that we can apply to many other

products and to many other things that we that's this that it's more for the environment

because we're to say, if I have a spectative because I know about how

it's my way, of how much things, for how much we use this, all, and we've got to,

maximum. You got it was very very much. Yeah. You know you put this for 15,

20, 30 events. Well, it's the piece of the car of your closet. But how

it's a work and it is a great inversion. It's a great thing. And then you

were your tally. I don't and they're my tally. Yeah, so it's but it's

badissing and it's a part of the last three years, never me to put to that's

that's that's carissimo. Yeah. Yes, yes, yes, if it's

It's really. I mean, the camisettes me the camisettes all the time. All the time. It's used for what casual. It's used for the time.

It's used to do a conference. It's used to be a carmissed in the quality. It's a lot of time and not it's a green

to get gris. A last three lavations. It's an great, a great inversion. In other you can buy you you're a

carmisa, that you have certain colors and you don't you don't you can't put so much because it's the same

because it's the In this me can't put 20,000 people, nobody's nobody's this is a

question. This this this case a cost much more more than a carmisa

of cooel that has really ralithes and a and a very idea when we're

doing when we're that we are saying we're saying we're we're saying we're

almost but in these times more is to have a planiation like

let's let's I'm going to want to I need or I need I need four

camisas negras, two jeans of these characteristics. Why? Because are the ones that used. And then this is too, to make us a little of spontaneity in this video of planning. It's saying, me going to give a a present of what it's me pegged. But it has to be in my alcance.

Because if I'm going to go to get to the website of paddle, paddle, paddle, and I'm going to, this, no? I'm going to give me a presupport. I'm going to say, 10, 15, 20, 100, what you can't and that's be in the list, is for if I see something that in the list and that if I'm a plan, but I have a plan

flexible. Always the best plan is the plan that has a certain level of flexibility. I'm going to do a present way to be for what to be able to do. And that presupposte to be that gratification instantanea and spontaneity that's that's a rich in the moment of the company. Here I've got all the framework or the regla of the 70-20-10. It's a... It's a application more realist for...

It's a guide, not a regla. Ludy always I always I always I feel like I'm a good I'm sure

I'm sure this probably the probably the probably the that's you have to say

is the adaptated plus more to the Latin American America and what is 50%

necessities 30% of and 20% a or future or 20% or

70% necessities 20 10 future exactly and with

the aginald can do the if you have You can you say... You can't distribute it I'm going to

get to get a 60 or the 70% of what I determined in the fiestas. In the compras of the offertas.

That's what for you is important. That's not a necessity. No, but I'm going to put the the mess of

New Year's and the gift and the and the other 30 I can't or 40 or 50 or 50

what you guys I'm going to an part for a part to do you and I'm like to

put a more to put a category extra that can be the 10 or 20%

And it's for what you emotion or what you're planning to to make sure in the next year. If you want to put you to get to the

gymnasia, your two first mensualities of the gymnasia. If you want to get to a time to start Taekwando,

for your class Taekwanda, if you want to learn to learn to learn for your class of because what

does, much times we have this sense of that the end of the end of the end of the world.

So, like if it's and borrone and no, Chattis. you, the person

that's the first of the ender and it's a way to pointeer your finances of this year with the year that's that's the year

part of what I'm to do to do this money to get a I'm going to give to me to the year of and that year.

And that you and that person are the same person. It's a way to get to January with money.

Sure, clear, yeah, the fact of the money yeah, for October, novue,

and then, and it's as in my Presuppost we'll go to we're going to and the

people are the we're going to do this. A, end of the year is when more me going to

get to get to get to the end of the end of the thing of the end of the need to be a necessity,

a necessity that's that's the money, liquiden the debts that they're that's

that's not much. That's, that is a need to liquidar deudas that are cost

much or deuds that you're that you're to that maybe are months

without some I'm sure to write me says no, I'm going to liquid

my my my my my we're going to we're in the

I'm my name I'm better than I'm better better than I'm

exactly. Exactly. So, so it I'm I'm how I resolve

these things that I'm that's that's that we know

we're to get a to me you to present to me to the things

and the Lude Divina has a with that we're going to to start. But not is for that

we're in the way of the things. In Mexico, the good end of the year past the camera

of commerce in Mexico says that they gott more compared with a year before the the ventas

the 15% more so 15% more so that the economy not creas 15% no.

The world's the money of the people don't not

not grew 15% the economy the economy of not we're going to get 15% more. DEM.

In the States, Black Friday went to a record historic. In a moment in the States United not is in

their best economy, in that they're in their moment. In Chile, the Cama of Commerce

of Chile of Chile, says that in the Cyber Monday or Cyber Monday, Ciber Monday, Ciber Lunes gastarunest

$447 million of dollars in three days. In three days. And that for Chile is a record.

In Argentina, also, another record in the Cyber Monday, $493,000 million. It's just in Argentina, that's also, and also, it's a crisis

very strong. And where's the crisis? They're going to much. In Brazil, the year past, the Black Friday

subio 18.7%. They're more. And in Peru, there's called CyberWau. That's a good name. Campations

with increment of the year past of 230 percent. Peru? Peru? Wow.

Dice peru CyberWau of 24. For that's about wow. Yes, because how they're going

campaigns with increments reportals of 230% and a strong expansion in markets participants. And the

economy of Peru no no, it's a 30% that we know so we know,

so we just understand that we just we're getting more fast. Every

every is more fast. Every way there's less friction, less resistance,

every is more easy to do the targette. There's to put to condos. I,

I have a cargetta that's of the company and are compas that are 100

deduables but but my personal I put an auto condado that I

to buy with that personal I have to send a code of verification

and I'm don't I'm I'm I don't I have to get to get to get a

a cell phone is a telephone a little bit of a line of the United that's not even and then I'm to use the

code that's to use the phone to be to order to the company so that that's the so I'm

I'm in the United and when the targette is gringa when I'm when I'm when I'm

I'm I'm so I'm so I'm so I'm so I'm I'm so how

fabric I that Yeah, there's no. And so, all the targetas, for example, those are you

can't be and desactivar. Disactivin their chargettes. Yeah, just to make to the application

and put your code and activate the target, yeah, in those minutes, even you say, uh,

better and no, are things are things things. But the fabricing the faction is a way

to help out of you're not you're not or you're to be used, to make to make a pause to say,

and not I don't know I need exactly. The industry the machinari of

the thing, that's that's they're doing, and we're doing it. So,

do you know, no, no, no, no, no, no, no, no,

there's a malo. There's you, you're you're the frision. The

friction that you're to do you do you to do you know, just the time of the

thing of the time, I'm in the case, I'm in the little, a palita of a,

a car, or a something, and then just I'm just I'm going to do, and everything, but as I'm going to

send out the code and the telephone is to be in a cajum that's in my car. I'm going to be and I'm. And yeah,

I don't know. That's, that's, that's put you to puttion. And what you is very important. No, it's not to buy the

economy global. It's not. It's not. It's not. It's not. It's, you can't do you know,

but the numbers don't mean it's not a that Mexico vending a more every every year

when the economy of the country and the country is. And you're to grow to Two, no? Some of the

cresements more of the things we we're in America Latina, no, 2% and we we're getting

15% more. My hack for this is not to get the target. I'm just I'm going to buy to buy.

All the other cards, the palace or the if I'm going to buy a because I'm

not going to get a got a got a out of it. It's got a guardadita. Well,

let's let's we're all things, we're revisal the revises if really is an offerta. Your palita of paddle

says that's in offer in $5,000. To be a be. To be, really, it's never, I'm in $7,000 and they're

to be in $5,000, and just it just a month. In fact, it's a list, no, it's a lot

offer, if you're not your list of what you need to, you know, what we said in the use,

the use that I'm going to do it. It's car or not it's barato, depending when it

use the framework that's the framework that said you're the guide of 70% of necessities 20% of desires,

10% of minimum. If you can't make sure that the regla at the 72 hours not to

not come immediately to put in the carito to increase I mean I'm more more

difficult more. Dravs put me more more travas for to put more

to my Cerever to my no me defum. In fin, some hacks, but you have your pizarrooncito.

What's going to do you know? Rapidism. The danger of that they're a lot of a lot of, I don't know

a lot of it's to explain to you. A bit of if you just you know, you're going to you're going to get to

you're going to do that you know, you know, you know, you know, you know, you know,

you know, you're not sometimes, you're, they're, they're in three thousand people, and now

they're supposed to that's, uh, you know, You know, an Reloge, a smart wash

that's that's $499 $12 $12 months and a lot of you know

that's that's $2,000 to $1,000 to you're doing you do that

your car today. Today, you're going to pay in your $1,000. $4,100,000,

which are the $4,0,000. Or so, is the what I pay today versus the gas real. It's what you are doing,

summandole the compromise, the compromise you know it's done it. You know, even you have to have to take it.

You know, they've seen, have heard, that the people millionaires us say, if you know that you're

not you don't know what they're not, they're talking, they're so you sumas, what you

do you do you're to pay in your second court and and all the compromise

that you did you over the $10,000 $10,000, $0,000, Pes, you know,

you've got to Aguinaldo. Yeah, you know, you know, but the problem is that not only you're doing this no,

in your mind you say, ah, I've gott $4,100, no gastre, $10,08. Exactly. And then the

next month, you'll be to do it, and the next month, you'll do it, and the

formula of the poverty. And always, and you always, you're going, you're, and when

you're not, so, So obviously, the good companies that are credit to pay us accessible, not to give

credit, because you're going to not going to get a time, you're going to you're going to and thencees credit, you're

going to have to you're going. So, you know, you know, you know, to get a credit well,

to do you, something to give us, and that give us and that's money in this end of

year or in the end of this thing to this, this is this in market, this in market that we

we did we did like to machinaria contra machinaria or say, how do I do you do make a lot of

and that you know that's like a lot of not going to to make a question, what I'm going to make a

kind of a critical and I go to be a about how I'm going to get to I'm a good I'm

I think you think you think you know that you're going to be much more factible

that you can't you can't try to try to try to try to try to

we have to have to the time. Exactly. Some advice final? Well, I just remember them

that prepare your anti-maquinaria not only for this this epoch because as a rato, today you think

on what you want to you're doing. I think these these, these tips that we did this contra

machinaria that we're not only for this mark in that we're not going to all what

will continue going to the company and then. All right. All right. All right. All right.

All right. All right. And, and record that the usencia of education financial

is very car. Also, the absence of education emotional, carisima. The absence of

education is very car. And with education we refering us to memorize the time of the battle

period of the elements, a less that's a chemical biologist, then you know,

but we refer to that education, we referridden to the education practical, the

that we use all the days, that no they did in the school. At the

most some, but the majority of us not educar us it's

really car because we we're vulnerable under the machinaries that are there's not you're

when you get your cellar's you're you're you against a team

professional of a lot of people of people that are working to you

do you do to do to you to do you against

you against you against a system of statistics

So, you're your contra Goliath. Yes. And you're more chiquito as much your education you have. For so the

inversion in your education is important. Today we have the privilege of to have been podcast that before you had

to have these conversations that were and then this and today we could get them here,

but not you get this here just not more, we're going to the people the people

that want to study to do you to do you to find to do you to find Ludi,

Arrova, Finances with Ludie in Instagram, Finances with Ludie in Facebook, and Capitel as formator. Very well. My dear Marina Armendaris, neuropsychologist, and where can't find you to learn to

do courses? It's called Capiteel Finance. It's written Capitele finance, and there can find things of formation, also of

psychology, the money, because the education financial is education emotional, and also can find a Ludi that is one

of our formators most spectacular and consentied. Marivios. Marivos. Thank you. And we remember

that, about education, that we have a master class gratuitous that's called how

generate more more interest and that's a class gratuitouser that is the precursor of

a course that's about the communications and leadership, activities that you produce

more money. One thing is I always do like three parts one. One

is, learn to learn more more, obviously. Then, learn to

learn to conserve to do to get to get your money, and the

other and more sophisticated is, learn to multiply your money. And are the three parts

distincts of the education. Garnartel, conserve it, and then to multiply it. And it's like the tripé,

no? The tripo, it's in many of the tripea of the education financial. We're not

we're going to help you know the things of the communication to gain

more more. If you go to Marcononor Ruihiel dot com diagonal

Diner, the class is gratuit and it It's just how generate more ingress with

and if you like that class there's a there justly there's an offer for that you inscrib to the course

yeah completeito and if they are in the places. For time limited. A meces without

no, but not are no, the class is abirta all the time. Abirted all the time

is gratuit Marcontononor norgli dot com to agonal the money. Thank you to you. A me

to make a message. We have the option of the fact if you do you Click.

Without Without. Without. No, no, we're not we're doing us to say the card.

Exactly. Because there's in Colombia, in Mexico and everything. No, no, for what I do you use.

For what I really to serve. I'm not. I'm super use. Yeah. Let's go.

You know, the episode? Yes. Let's have an applause to our experts. Thank you. Thank you.

Thank you. Thank you. To our community to alma com. Until the the next. The last

the league of the video. With more people, leave in your commentary, start on YouTube,

activate the button at the time for the new notifications. The other day I'm in a restaurant and me say, I

see, I've always always your podcast, but yeah, yeah, no it's, I'm, like, I'm,

how do you? I'm, like, I said, activate the notification of your channel to you

for you so, you know, thanks, after the next. After the