72% of family bills are
related to money and area only
a number but for me they are the faces of
the almost 800 families that I saw
lose your assets in the past
five years working in the area of
adjudicated from a bank labors of 17
years and when leaving I kept thinking about
those people and families in the
expression on his face when they said the
bank took my house and it was not like that
although the bank take advantage of
our ignorance of ignorance
financial situation in our country with
figures as of December 2016
the inei and says that mexico is in the
place 54 out of 55 countries illiteracy
financial
then the lack of education
financial is a brake on
prosperity that we all seek but
it seems that financial education
Today is a luxury item that is not
for everyone and it’s not like having
Healthy finances is easy is a
matter of a two by three
take care of two threats and make use of three
tools but what do we see a
it’s a bit easier two by three
we are going to go on a trip
let’s imagine ourselves in the titan at the port
where he set sail he saw himself with the
awesome it looked like he had everything to
reach your destination successfully but not
he arrived and did not come because he did not care for his
two threats or is removed nor are we all
us and we also have our goal
which is to reach that freedom
of which everyone talks
but then why titanic is
sank
let’s see his first threat on the iphone
I knew he was and they warned him that
I was there but I did not measure it and when
he saw it, he could not turn around anymore and
it was what caused him the huge damage
for us that threat
it also has a part that we see that
it’s the gaz
and also a part that we do not see and that
if we do not take care, it is becoming more
great every time it ‘s nobody and it’s
there and that’s where he is and for all
because we all have expenses and the
Most of us have debts and danger
is that if we do not take care how
It spent is forming part more
great that we do not see that is the debt of
10,000 easy to get to spend more than
you win and there is no loss if we spend
more than what we earn is forming
of that debt is the one that can reach us
to sink the dangerous part of the debt
is the interest rate we pay for
it the inei and says that 86 percent
of Mexicans we do not have cards of
credit or some credit but what
worrying is that 90% of those who
we have credit card not even
we know the interest rate and the rate
of interest is the cost of money what
that we pay for him and why we pay for
the money because when I
we needed just wanted what
we had then to neglect this
part of spending and that is forming
debt is what we can do
irreparable damage as people
they lost their vital heritage what
it caused the calloni gap
but good for this first threat
we have two tools the first
tool identifies the difference
between needs and wants
Most Mexicans invest
a lot of time money and effort in
immediate needs
we believe that we all need it and the
secret is to spend every expense that
let’s do for the test of the 3 months that
whatever you ask, I can ask you
live without these three months and they are
exactly the answer of yes then
it is not a necessity it is a desire not what
buy make this a habit every
time I’m going to make a spend
the expense for that 3-month test and
so you’ll see how he’s going to continue spending
less
how are you going to control spending and
and everything you save on not spending on
the wishes allows you to use the
tools that the tool doces
control and reduce your debt as it is done
even a list of your debts identifies
the interest rate
remember that it tells me that most
we do not know how much is the rate of
interest of what we pay since what
we have clear
then there are two roads starts by
pay the most expensive debt
which is the one of the interest rate more
high and if all are of similar rates
then start with the most quantity
small with that is serving as it goes
reducing I had with these two
tools you keep controlled the
live said to be there because we continue
having expenses and had we continue
having debts but you will keep it
controlled and you get much closer to
reach to turn around
what did not happen with those
families that lost their heritage and
what happened to us with the
titan threatens a dozen lies
let’s remember two times three see you
threatened threatened is not having
enough lifeguard and because it was
important does not go well because in the
sinking of the titanic not only
he lost what material many were lost
lives and that makes the figure that
I told them at the beginning 72% of the
Family bills are related
with money because money problems
not only are lost the goods are lost
family stability separate the
family but what about the titan
because I did not have enough in life
because he did not consider them necessary
he had space and he did not take advantage of it and
us that saves lives are saving and
the investment and also for us
they are not necessary
the inegi says that only 18 percent
of Mexicans in some savings and that
92 percent neither know nor have
no investment
but then how is health generated
life happens with tool 3
Tool 3 is to use all your
resources not only the physical ones
most Mexicans only
We use physical effort to
generate income and we forget about the
knowledge that we have the talents
relationships the environment
today we have seen people who have used
of all those tools not
necessarily of the physical effort
then it’s a matter of a two for
three
a few months ago a person called me
very desperate and told me today to issn
something very serious is happening two
circumstances in my life are going to affect
much my economy and one of them was
this is a girl who has two daughters and
was married and suddenly the husband
he did the harry potter and disappeared and
harry potter could because not then
disappeared then he already had two
teacher places removed one seemed
that had everything against and I said ship
is here let’s apply the two for
three to see if this works and first thing
What we did was to revise its
threat like this in your expenses
we reduced their expenses we started to
concentrate the needs
we turn to see the debt we started to
you pay it is the most expensive and then
we see again threatened threats
how much lifeguard to have if I had
savings had investment and if not
use all your resources
we discovered that this girl for her
knowledge to be a teacher had
enormous ability to perform
photography then we created a business
in social networks where today is dedicated to
review thesis in the morning has its
teacher’s place and the afternoon from 7 to 11 of
The night reviews theses online and the
Saturdays now revises the spelling of
article in a newspaper and you already have
so much demand
in the part of the review of theses
who is already hiring a person to
that it would not have seemed like it was
catastrophic a few months ago it
converted and not by
unit and what happened simple
checked in two by three
expense and debt as I correcting it
check if I have lifeguards and how
generate the then is not so
complicated
This issue of shipping is nothing more
concentrate on being aware of
that there will always be a threat and and
that you can use the tools and not
see those threats was what the
sinking of the memorable titanic and it’s
what can sink us to any of
us at any time because no
it’s a matter of money
It ‘s not about that if I was going to hit
I have a lot of money I have not seen people
and families sink with a lot
getting little
and the reason is that at every moment
they took care of the threats they did not know and
they used the tools
today I would like us to go home
with the awareness that finances do not
they are only from the banks the brokerage house
or the government finances is something that
we live are the decisions of each day
and that today night we revise our
titan how he handled the money that so
near or far away I have the threat as
this spending how is the debt
I have enough lifeguards and if not
use all the tools to
be generating it and that we can reach
successfully that financial freedom of the
that we speak the eight hundred families of
the ones that speak to you are part of the
statistics is statistics that says
how many people have credits and not
know the interest rate
how many people do not save how many people do not
has investments in real problems is
which is 80 percent of the population
from our country to 68 million
poor in mexico and probably in their
know life or lifeguard because not to
have access to savings and investment
but they do have live earth erca and they have
the threat because if they have expenses and
when they are presented with a
emergency need an accident not
they have access to lifesavers like the
saving the investment generated from eta and
usually face debts and that inc
mint the poverty index in mexico
then take education
financial and simple to all
levels
it would be an accelerator for prosperity
from this country
Thank you
[Applause]
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