{"id":22763,"date":"2007-04-20T17:19:00","date_gmt":"2007-04-20T17:19:00","guid":{"rendered":"https:\/\/clusterfamilyoffice.com\/blog\/?p=615"},"modified":"2007-04-20T17:19:00","modified_gmt":"2007-04-20T17:19:00","slug":"a-los-30-es-demasiado-tarde-o-endeudate-con-moderacion-es-tu-responsabilidad","status":"publish","type":"post","link":"https:\/\/clusterfamilyoffice.com\/en\/a-los-30-es-demasiado-tarde-o-endeudate-con-moderacion-es-tu-responsabilidad\/","title":{"rendered":"At 30 it is too late. Or, \u00abGet healthy in moderation. It's your responsibility."},"content":{"rendered":"
\"\"<\/a>Surely we can almost all agree that during our unpredictable lives we should try to accumulate assets that will allow us to reach the end of our lives with a decent financial stability. Growing old, falling ill and dying are unavoidable stages in our lives. Although, if we think about it, we can avoid old age if we die young, and even illness if we die accidentally. But in view of this, I prefer to cling to the hope of growing old and getting sick before I die.<\/div>\n
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All this in a scenario of financial comfort is more bearable. Especially because of the way you will be treated by those around you if they are waiting for a more or less substantial inheritance. We all have close cases of people who have come to their decline depending on the charity of others, be they family, friends or the State itself. Although I could not say which of these is less reliable, I would venture to establish Friends as the most stable plank to hold on to if one has maintained an honest and noble life trajectory, which is rare.<\/div>\n

Most realise this need for financial foresight when it is too late. They rely solely on their ability to produce an income. via<\/span> The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. The banks kindly see to it that an individual can greedily consume goods far in excess of his or her productive capacity. Even beyond what could<\/span> The state would be able to produce healthy working people until the age of 65 and then be supported by the state. Even in these ideal circumstances, it would never be able to generate as much as the banks can. are<\/span> The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity two times over. The limit of indebtedness should be set by ourselves, not by the companies that live by mortgaging all our time and productivity multiplied by 2. And even so, moderate indebtedness should only be assumed as a depreciable investment and not for the purchase of leisure consumables. You will find some amusing situations in the novel \u00abEl vendedor de tiempo\u00bb by F. Tr\u00edas De Bes (http:\/\/www.empresaactiva.com<\/a>), which refer to the aberration of mortgaging one's entire life time for an asset, even if it is one's own home.
It is true that most people never manage to break out of the vicious circle of living at the same rate at which they are able to progress. This condemns them to depend on the income generated by their work throughout their productive lives, and only live off the state in old age, something that is increasingly evident that is not going to happen. succeed them<\/span> to our generation of 40-somethings and, of course, to future generations. It doesn't matter if we are talking about an office worker with a salary of 25.000 eur<\/span>\/year or a high-level professional earning more than 100,000 eur<\/span>\/year. If they live life at the limit of their possibilities and do not Prevent<\/span> an accumulation of productive assets over the years, they will always depend on their jobs. And unforeseen events such as work-related problems, marital problems, illnesses, etc., are always will sink<\/span>n<\/span> in miseries from which not everyone will be able to recover. Robert<\/span> Kiyosaki<\/span> christened this phenomenon of a \u00abrat race\u00bb from which it is not easy to get out of, in his popular book \u00abRich Dad, Poor Dad\u00bb. You can find out more about Kiyosaki<\/span> at http:\/\/richdadclub.es<\/a> But it is not only important to get out of this rat race. but<\/span> that what is really vital for success is<\/span> do it as soon as possible! That's why I'm titling this post: 30 is too late:
The compound interest of 100 \u20ac working financially correctly saved at the age of 25 means more than 800 of saving effort at the age of 50!!! Even deducting inflation, the investment effort not made during our first years of productivity will be so expensive in our maturity and old age that it will be unbearable for most people who start accumulating productive assets in their thirties or forties.
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I am not talking about pension plans but about well-advised and diversified investments in optimised fixed income, real estate, real estate and other investments. profitable<\/span> and with good rallies<\/span> appreciation; and judicious and very moderate equities. Although of course a pension or savings plan taken out at 40 is better than nothing, it will only palliate the coming famine and, of course, condemn the descendants to follow the rat race by relays.
Your money should be used to lend it to others, and they should work with it. Logically, we should not do this ourselves, but through the purchase of financial products that are carefully tailored to our profile. For this delicate selection, we must be well advised by someone who teaches us how to do it while guiding us, and who does not simply sell us products (this is easy to say and almost impossible to find, but there are some). In return you will get more money (corporate or sovereign bonds, for example). This is the difference between producing in exchange for hours of work and lending your assets so that others can produce. At the beginning of our lives everything we earn we have personally produced, and gradually we must lend a greater proportion of our money so that others can produce. Our focus should be on reversing the initial sequence as soon as possible. Once we have achieved this, it is our own choice whether to continue working or to do what we really want to do. There will be those who prefer not to do it any more, it is a question of calculation and the will to leave the heirs in one situation or another. Freedom in capital letters. Paradoxically<\/span> often<\/span> Working without the pressure of remuneration leads to an even higher income if it is done with rigour and honesty, I can assure you.
Only cicadas should be able to live happily depending on an income generated by a work activity that can be truncated at any time. at any time<\/span> of our lives for infinite imponderables<\/span>, In exchange for a progression (or regression!) that only serves us to go on better holidays, have a more expensive car or a house that will take us more years to pay for. Although when we are about to do so, we will exchange it for a bigger one or we will buy a second or third home for the bank.
My advice to those who, because of their working conditions, have a modest income, is to make an effort to save and invest even the smallest amount. The strictly dispensable, non-vital amount that would allow us to live a step higher than last year. This seemingly insignificant amount should invert<\/span> as soon as possible in a somewhat riskier but well-advised manner. And above all, maintain investment rigour in future years, reducing risk in proportion to the total volume available over time. All of this is done with the help of a good counselor<\/span> and not from financial advisors or, of course, bankers. The strategy must be tailored to each case like a tailor-made suit, haute couture if possible, even if we have little fabric<\/span>.
Smoking kills. Drink in moderation. End\u00e9udate<\/span> with moderation and judgement. It is your responsibility. It should be warned in banking and consumer advertising. Unfortunately there is no other way to live life in the medium and long term. What is the point of bread for today... if we all hope to grow old?<\/div>\n<\/div>","protected":false},"excerpt":{"rendered":"

Seguramente casi todos podemos estar de acuerdo en que durante nuestras impredecibles vidas debemos intentar acumular unos bienes que nos permitan alcanzar la decadencia con una estabilidad econ\u00f3mica digna. Envejecer, enfermar y morir son etapas ineludibles en nuestras vidas. Aunque bien pensado s\u00ed que podemos eludir la vejez si morimos j\u00f3venes, e incluso la enfermedad […]<\/p>\n","protected":false},"author":6,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[20],"tags":[],"class_list":["post-22763","post","type-post","status-publish","format-standard","hentry","category-sin-categorizar"],"_links":{"self":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/22763","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/users\/6"}],"replies":[{"embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/comments?post=22763"}],"version-history":[{"count":0,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/posts\/22763\/revisions"}],"wp:attachment":[{"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/media?parent=22763"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/categories?post=22763"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/clusterfamilyoffice.com\/en\/wp-json\/wp\/v2\/tags?post=22763"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}