¿Por qué la plata NO te alcanza? El ERROR que comete la mayoría - Doctor Bolsillo | EP 198

MANY THANKS TO: 🥗 Affiliate your Business: https://www.cheaf.com/cl/ 📲 CLARO: https://www.clarochile.cl/negocios/ 📊 ACCIONES Y MÁS: https://geolink.xtb.com/9EDco 🏦 INVESTMENTS: https://www.afphabitat.cl/contratacio... 💵 ADVISORY: https://patrimore.com/?utm_source=per... 🔑 MET LIFE: https://go.metlife.ly/hQNEQM ✈️ TRAVEL and SAVE: https://latampass.latam.com/es_cl/ 💻 ASUS: https://www.asus.com/cl/laptops/for-w... Do you feel like your money isn't enough even though you're earning more than before? In this episode, I talked with Alejandro Guzmán, better known as Doctor Bolsillo, about the most common financial mistakes, why so many people are in debt, how to use credit cards correctly, and what simple decisions can help you improve your finances. What do you think is the most common financial mistake people make? Let me know in the comments. Guest: Alejandro Guzmán   / dr.bolsillo   Production Company (VIDEOS, PODCAST, PHOTOGRAPHY): 💻 https://www.jp2producciones.com/ 📧 jp2produccionescontacto@gmail.com JOIN OUR COMMUNITY AT: 🤝 https://linktr.ee/conperasyfinanzas CONTACT: 📧 conperasyfinanzas@gmail.com AFP HABITAT: Learn about the profitability of your Pension Fund, commissions, and the quality of service of the AFPs on the website of the Superintendency of Pensions www.spensiones.cl This content is sponsored by XTB Securities Agent. Investing involves risk. Promotion available only to new clients residing in Chile while supplies last. The Terms and Conditions of the XTB Gives You a Share program can be found at https://www.xtb.com/cl/legal Nothing presented in this program constitutes financial advice; it only represents the personal opinions of those who express them, as does any commentary made by the podcast's guests. 00:00: Who owns the money in the AFPs (pension funds)? Myths and realities about your savings. 01:52: Who is Alejandro Guzmán (Doctor Bolsillo) and why should you listen to his advice? 04:23: Why don't people understand financial products? The root of the problem. 05:33: What is the most common financial mistake people make? 06:45: Where does your salary go? The two expenses that most ruin the family budget. 08:15: How to eliminate small, recurring expenses and how much money could you save per year? 10:40: How to effectively track expenses step by step? 12:28: How to create a realistic monthly budget without failing? 15:05: Why is financial education about pensions important today? 17:04: How to plan for retirement and what to do if my pension will be low? 19:25: The retirement anecdote: Why should you plan for retirement at 30 and not 50? 22:15: The 3 best investment instruments for retirement in Chile. 23:45: APV and Agreed Deposit: How do they work and what are their tax benefits? 26:15: The truth about savings insurance: Are they worth it or are they too complicated? 29:00: How to use a credit card correctly to avoid excessive debt? 30:30: Dangers of minimum payments and endless refinancing: How to break the cycle? 32:28: Consumer credit vs. cash advances: Which is more expensive and why? 33:50: How to save money earning minimum wage or an average income? 35:50: The secret of developed countries to manage money and live peacefully. 37:20: How to build an emergency fund and what is the purpose of financial peace of mind? 39:00: Tips for young people: How to save for a down payment on an apartment today? 41:50: How to manage finances as a couple and make shared decisions? 43:20: Real-life cases: When is insolvency and restructuring necessary? 46:30: How to get your finances in order without feeling stingy or restricted? 48:30: The difference between good debt and bad debt: What's worth going into debt for? 50:30: Where to follow Dr. Pocket and how to contact him? #withpearsandfinances #PodcastInSpanish #personalfinance