El Dinero, El Crédito y Lo Que No Nos Enseñaron | Todo esta Carisimo!

¡Bienvenidos a otro episodio de Detrás de Una Mujer! 🎙️ En este episodio, nos sentamos a hablar de algo que nos afecta a todos pero que a veces nos da pena discutir: ¡EL DINERO! 💸

Desde lo caro que está todo (¡salir de la casa ya cuesta $20!), hasta nuestros primeros sueldos y cómo tuvimos que aprender a las malas sobre el sistema de crédito. También entramos en el debate candente: a la hora de vivir en pareja, ¿todo debería ser 50/50 o depende de quién gane más?

Déjennos saber en los comentarios qué opinan sobre las finanzas en pareja y cómo manejan el presupuesto en su casa. ¡Las leemos! 👇

✨ Temas del episodio:
0:00 - Intro y cómo sobrevivir la inflación
3:15 - Nuestros primeros sueldos y en qué los gastamos
5:20 - El crédito: lo que no nos enseñaron en casa
8:00 - Finanzas en pareja: ¿Debería ser 50/50?
11:30 - Dejando un legado y educando a nuestros hijos sobre finanzas

¡No olviden suscribirse, darle like y compartir este episodio con sus amigas! 💖

Detras de Una Mujer Podcast

Transcript

SPEAKER_00 0:00

Bienvenidos another episodio of Detrás de una mujer. For sure, subscribe to our channel and the thing that we're going to talk about, or another thing that we'll see. Eli, how has been your semana?

SPEAKER_02 0:18

Ay, I was emotional because I judged that the friend, but regressed. Really, the clip is super variable.

SPEAKER_01 0:34

And in activity, much proactivity. Ahora podemos avanzar con personnel. Mercurio retrogrado. Mercurio retrogrado. It's a good temporary for the decision, chama, amo.

SPEAKER_00 0:58

La mía was productive, igual. Pas much time with my wife and things like the finest semana, but note that you don't sell. You're going to go in.

SPEAKER_01 1:19

Camin a bit more, ya se fueron 10 dollars.

SPEAKER_00 1:22

It's facility. I'm fine.

SPEAKER_01 1:24

If you can't go, no. And eliminate the telephone, because there's an option to be for the listening to your car in sales.

SPEAKER_00 1:34

Mm-hmm. But now we are in this that is. You think, in my opinion, humilely, it will happen in a semana or nothing.

SPEAKER_02 1:53

And it's a boomerang, okay, it will be more great because we're going to have the combustible and more time there are the passages in the cost of it. But I think that all that is, we have good information, we have excess of information of finances, of how to manage, because they had the problem of the redes, right? And now we can educate more.

SPEAKER_01 2:20

But what is assert and what it is? What is alarmist and what it is realistic? I feel much on what I think, because the notifications are very alarmist. In this case, I don't know if they're alarmists, I think they are very realistic.

SPEAKER_00 2:49

But administrative.

SPEAKER_01 2:53

Obviously, obviously much for median at this point. But it's like the finances are a thing for me.

SPEAKER_00 3:09

In my family, okay, the people who give the.

SPEAKER_02 3:14

In my family, when I was with my parents, my father who was, and my mother in the house. And so she administrated the dinner. And for natural and for what I think are more administrators than the homes, definitively. Okay, because I agaras the dinner, I feel like you have the administrator for priorities. Also the homes, there are homes that are super good, and there are botaratas who have the dinner. Okay, I think it's a 50-50, no? But in my case, my mother era the multiplication of the panes and the biblical, literally. Agarraba and multiplicava. I don't know how I was, but I would confess that when I was very botarata. I was a bad administrator.

SPEAKER_00 4:00

Okay, and in what your life?

SPEAKER_02 4:03

Ay no, no me preguntes, it means vergüenza confessar. The first time I recuered in a bank and the first time was in a departmental and maquillage, 18 years, and I went to my house and recorded and said, Mama, it's an inversion. It's inversion for me. I had to stay in the bank, obviously, because I said that they were impeccable, but I was super responsive and mamma, went with me now for paying a basical. So I carried the luxury, I reckon my mother was the house, and we were dividing. Gracias to be in a supermercado, and my mother of the year. But what I did was, instead of sincerely I despair literally in farrites, in maquillages, in ropa that's normal for the life.

SPEAKER_01 4:57

If you've already said that this crisis i was durable, we had to ah, no measure this caramel, no hubs this dulce, no measure, you're going to say in terrors.

SPEAKER_00 5:10

Yeah, but you're idiota in the school.

SPEAKER_01 5:14

Bailando, es que la cabeza. In Venezuela, el meme hubieras sabedor that the crisis iba a ser así, and instead of compression pastelitos in the cantilever, you hubs have compared dollars. Exactly.

SPEAKER_00 5:29

No, for me. Y tú qué hiciste? A ver, tú qué hiciste con tu primer sueldo. No, fue puros billets. Fue puros billets. I went to another soltera. In this end, my mom era madre soltera of the three, and I was in the crisis of 2008. And 16 years I traveled by two hours. Entonces, three hours in my school, and it was the comida of the casa, the bills of the casa, all the others.

SPEAKER_02 6:00

But you have to have a lot of fun.

SPEAKER_00 6:03

Claro, no me digas que no. Sabes que el primer gusto that me di was uñas.

SPEAKER_02 6:07

Ay, qué bonito.

SPEAKER_01 6:19

And ahí sale él y dice: No es gasto lis, it's inversion.

SPEAKER_02 6:25

Claro, definitivamente.

SPEAKER_00 6:27

No, estoy 100% de acuerdo. But I think it depends on the house I have two minutes extra, depending on me lasso in my casa, but no me gusta because I would have got my manner, it's impossible.

SPEAKER_01 6:46

No me gusta que me atiendan, me tirable, el salón is locked, clear. When it's different then, it's cómodo, la experiencia no es la misma. Nos reímos nerviosamente.

SPEAKER_00 7:07

Claro, no, pero there are different perspectives of how it should be a dinner dinner in a hog and an apprentice during all that I started is the credit. And how it function. And what I appreciated the things. In six months you get the credit, no pay immediately, because if you pass, the person will have a type of like negotiate the total with you. If you don't have a credit of $1,000, there's $1,000 for us. Literally. And this is a disaster. And I had to approach one day, I said, I don't want to, because I appreciate it, discipline is. But the people who have credited to other people who have made credit, and they are audience. And I said, No, this is, you need to educate me, you need to sell it, and I said no, I have to use the 30%, there are three different credit bureaus, there are no money, you have to pay the statement balance for that. Exactly.

SPEAKER_01 9:04

Exactly, it's an interest annual interview. Chama, this was a cápsula that you have to get because nuestra culture is different. Not no crecemos sabiendo nada en base a un crédito, a que eres un número y a que esto te puede beneficiar o perjudicar. Nosotros no tenemos.

SPEAKER_02 9:21

Aquí no compra el que más dinero tiene, aquí compra el que buen crédito tiene, definitivamente. Tú puedes tener el dinero que quieras en el banco, pero no lo vas a comprar. Solo que sea cash, pero realmente todo aquí se maneja con crédito, que como in nuestros países para nosotros, no, no. Venezuela no puede haber un crédito, but no is relevant really.

SPEAKER_01 9:48

I mean, no one me explicit. Yo investigué many when I said that I was, and this was one of the things. So I was like, I was a compromise and no, but no matter what, and I'm this, you don't understand. I'm very indie, am I? Because I'm so not used, I don't connect, I conocted in the action, and I clavic unalicted. No, vamos a aprender cómo la vine y el 30% ofinteres annuales, ones te cobran fee annual, otra no. No, a mí me la ofrecieron. A mí me la ofrecieron and I lay, and you with a target of $500 empecé. De hecho, when I fui to the bank to create, the more credit than you. Wow, we have more.

SPEAKER_02 11:17

In my case, if you had 20 years ago, I said, I'm my mother, it functioned in this manner, because I started with the chip anterior. So I obviously have to get the target and my mother who recorded that I said, I need to go to the credit more than your wife, literally. It's important. I said, I need to more than your husband, because the credit is. And my mother went to me and explains, I don't know. And I'm super sincere, I mean it would be to enter because it's really a dense, but when one is with those, her mother's comprending. So you can educate it.

SPEAKER_01 12:05

There are variables that if the things that affect the credit not all are the same, one affect in major proportion than the same thing, no matter credit. Well, what I decided, this is the financial and economy no is my fuerte, no is my passion, it's aburren, but it's important.

SPEAKER_02 12:24

So I can say, aunque no, no, and hoy we have much excess of information, cómo maneja realmente tus finanzas anda un credit acá. Exactamente.

SPEAKER_00 12:38

And for sure, cuéntenos what have been sure, why are you gonna get to the entendu death? Nos encantaría. But de my part, for example, else the credit and what I see of pareja and you did a little bit you don't have to do with my parents. No me importable what incommodo is, not all the people say, I'm financially, but I mean ya no me importable. Yo I lived among actually, but I lived at the other extreme where you know that has some pros and cons. But me gusts. But when the things are a little bit more serious, you did, okay, you need to hugin and experience.com and you necesito verbalance in your bank and then you can't get it. But you need to say that you still diciendo the verdict. If you start saying, Oh, I'm economically, your idea of starting economically define is more different to the meeting. And we have to stay in sintonia, because if you don't.

SPEAKER_01 15:05

For example, the lux is more carrier than the agua, and so you pay the luxury, you pay the agua, listen. And we have cuentas that are in common, ocio, amigas, salida, diversion, and others that you assume my thoughts, my skin, my cuid, my vain, but a vehicle incomes. Like habitat of essence con la pareja, you don't have any problem with my casual hubs in which it was a little bit tense. And después explicándole, mira, tienes que ser cuidadoso with this, with the crédito, no sé qué. And then enseñando information that I have in the internet, a si mismo, que veo fidedigna, que veo confiable. No siempre fue un tema fácil, blanco, no, a moment in which it was a little bit more dense. But yeah, a particular education, I have been llevaded.

SPEAKER_02 16:31

He said, You with the miserable, broma, obviously, you with the shampoo that me baño enja uno, you lavo el carro y baño el perro. O sea, como el hombre simplificates absolutamente. But I think there are other cases. You know, if you daña el carro and you quieres the more response. Talvez you in my conocimiento comproper. But we gotta make more, but because we took it, it's the natural gas. And in my case, my mother said that I have a fund for mimic and consent. And this to it beneficiarily, okay, me encanta. And me said, 'Sabes that' and peluquery, this is fine, it's my line.' It's therapy.

SPEAKER_01 17:15

No discussion. Yo I think to my mother, yeah. What you gastaste, America, when I compré the Dyson? ¿Cómo pagaste eso y tal? Al final me terminó planchando el cabello con la Remington, con el cepillo que compré en Dollar Tricha para cualquier vaina. Pero me compré mi Dyson because you lay, yo me la merezco, la quiero, lo quiero y lo tengo, and me la compré ahora que ahí está arrumada, pues sí, pero en el momento era lo que quería y me la gané.

SPEAKER_02 17:41

Podemos porque trabajamos, no somos mantenidas, y eso nos da un plot. Porque tú me vengas a decir que el hombre mantiene, ok, quédate con lo que te pueda dar andas con lo que te puedo dar. Pero si tú trabajas, definitivamente tienes todo el derecho de mimarte y ver en lo que gastas tu dinero inteligentemente.

SPEAKER_01 17:59

Si te administras bien, eso no le está haciendo mal a nadie. Entonces, no me mantienes. No es lo mismo. Yo te mantengo porque yo pago la casa, pero yo también compro comida, yo también pago mi teléfono, yo me pago mi seguro del carro. O sea, entonces hasta qué punto yo decía, yo te mantengo. No, no, mis kids, no, no es así.

SPEAKER_02 18:31

No, y aparte no hay nada más bonito que ser independiente anda andar with your dinero. Sinceramente, yo when I llegué acá and the primer quota of my vehicle, me sentí hasta realizada. Sabía la deuda en la que me había metido, but I dije que delicia poder with my voy con una pregunta for my audience.

SPEAKER_01 18:58

No, because we conversamos. But your marriage, the mujer that is in casa, who te dicen that teenagers, yo te mantengo, tu sabes cuánto gana tu marido. O tu hombre, tu sabes cuánto gana tu.

SPEAKER_02 19:15

Hay gente que se guarda eso, que no entiendo, porque si es tu pareja, se supone que no debería haber misterios, no? O sea, sinceramente.

SPEAKER_01 19:31

Claro. Es comentarios for allí para ver, bueno, a lo mejor los que estamos pelados somos nosotros, ¿no? More than we guards this platinum and nothing, no quiet compartiment.

SPEAKER_00 19:45

But then it's like the other lady, okay. Okay. No, what does you in this position where okay, I think it's a real idea that when I go to her and do that, it got $100 but is endeavored with me. I'm gonna go back to the gente, clear, because it's situations very reasonable. I mean it was and you fui. And I said, uh-uh, perhaps you don't want to get other, and then when you're nope, tú vete, tú vete, y tú vas a ir a ver cómo te vas a educar, because you don't know.

SPEAKER_01 20:41

But then, okay, when the credit me to appreciate it, it's a necessity, practically. But what is in our base of inversion? Ahorita we hablan much of that no basta with ah, tienes que invertir. What inverter?

SPEAKER_00 21:08

There's a statistic that says that the Latin, 70% of the Latin are built for, but not for invert.

SPEAKER_01 21:17

I'm in this percentage, am I? The culture with which I finance was ever to work, you have to work out. And this person is you and I function, but really there's much opportunity of inversion, and I have to prepare me because it's the base with which you can't do it.

SPEAKER_02 21:37

Because you're gonna have to do it because you think it's a lot of people, it's good, you have the dinner, but if I have the possibility that always fracas, they are. You connect these who involve. I have realtors and a casitas alquilan and generan other jovenics who have unfoodruck and just a cafeteria. Okay in my epoch no.

SPEAKER_01 22:10

No, because we were from the culture of the ahorro, which in the moment we ahorrando. It's not like multiplicate the dinner, multiplicate the dinner, because for this is invierces.

SPEAKER_02 22:26

Why do you explain this? You have a lot of values and you this child has 23 years and this thing. Incredible because they decided to educate in this commodity.

SPEAKER_00 22:40

But now I think that's what we are in a situation where much creating this generational wealth temperature and for me this is the data. You want to educate me for you to see the ways of this future to my head that I could for me but I should for me now. And for example, okay we're going to have the 529 if you don't know what is the 529 529 what class are, how do you appear the people who are all casual to a person simply for me.

SPEAKER_01 23:34

So it's important.

SPEAKER_00 23:35

It's like a funding for student but at the 18 years after entered yourself, but you pure why else and you can prestation or pay. Vas a inversion in team in your education or in your properties that have a value. Because the only that is value is the terreno is those terreno if you want to do something I think the more you want to make them obviously is the education.

SPEAKER_02 24:55

I don't care because they think that each one at the final terrors with my studios is pestañas for that. Divino, dejar completamente de acuerdo de ahí, pero yo dejar de vivir dejar de viajar y quiero pegarme my comedian button education. Si Diosito me da la possibility of a casa increíble butter yo sí pienso tengo que dejar la tengo que dejar o sea la tengo que dejar levantada pero no es como in the camera me voy a disvivir para yo como this is sufficient.

SPEAKER_01 25:59

Okay, so I took a travel for I think I think in my family this has been two generations a year like abuels after me who I'm the quintessor after me. Exactly it's been generation in general I have to construct.

SPEAKER_00 26:35

Claro and you think that this will be the role of the mother or of the mother in the car. I think we are here we are here and we have to form this we should have the sufficient button and you see how you get to Europe it's a button go to me that we're going to be a bonus.

SPEAKER_02 27:06

Exactly. But this I think is the mother and the mother who are pending aunque the child is the provided to be exactly in this part of that seems more agreeable that the hombre imported quiz no creo simplemente the role is the role of the thing elder no tiene que hacer falta tengo que dejar esto y es más hasta ellos son los que no pueden dormir seamos sinceras ellos son los que no pueden dormir pensando en las cuentas uno no porque a la larga sabe que tiene él que tiene que resolver de alguna manera yo lo administro pero él resuelve exactamente y tienes que ver cómo resuelves y esta mañana y dale y ponte pila bueno pero uno está ahí apoyándolo va a conseguir uno vaya con todo lo que está otro falta así que queremos también leer a nuestros seguidores que nos cuentan sus experiencias cómo lo maneja in casa no discuten por dinero no hay cosa más fea que bueno y education definitivamente not for putting the finances in order to disorder the thing pullers and structural gas no discuters but some conversations that they can have and in advance possibly that the audience compared these error in their finances that was an anecdote that hoy no hemos compared but sabemos que las tuvimos 100% y de eso se trata la vida de poder aprender de poder vivir y de todas esas cosas y enseñanzas poder ser mejores mejores para nuestras familias mejores para nuestras comunidades así que muchísimas gracias por estar con nosotros