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re following us on Instagram, Facebook, tiktok linking and Twitter. Approve the Economist Hello welcome to a new episode more Economics Tata your Podcast of Finance. I' m Kimberly and I' m Laura, and today we decided to dedicate this episode as we' re brand- new was I don' t know if they' re living it yesterday, but we' re in love with this set that totally defines us, so look. It looks like us
look. Please, those icons look here. I' m in love with this stet and those on spotifyo a sign for you to go on YouTube right now and you can' t where Seth is because you have to see him. Yes or yes. Yes, gentlemen, super happy, but nothing you already know is an extra motivation to go see our podcast not on YouTube and not just stay in Spotify, because I always say the time that watching the
podcast is more cool than bedo. Yes, because part of our communication is the gestures we make, the faces, the gestures and so on, that is, not just the voice. But, well, let' s go
to what we came for. Ma' am, we' re going to a topic that' s perfect to inaugurate this thirst and it' s to talk a little bit more about things that you may not know about us in financial matters, maybe as we thought of certain things, how we were leaning over this, about this, what our favorite and least preferred things are in finance and so on. So here we' re going to talk a little bit about these questions that maybe you' ve never asked us and we'
ve never talked to you about this. But I understand it' s a cool episode for us to notice I' m just a little bit more of a light episode, that is, we' re going upstairs, gentlemen Laura, we' re going to start, let' s see Kim with what you' re ta cane. Oh, my God, let' s get started. We start because we' re going to talk about personal financial things as well. Yeah, yeah. First, I say that everyone is stingy in certain lines and it is daft spender in others, that this defines your
priorities a lot. Which way is it that you' re a caster? I' m a thong. I mean, I' m an agre. Yeah, yeah, yeah, I' m cheap. And I was telling you about it the other day in a makeup. Gentlemen, for me to buy makeup it has to be literally dry, already sin, I end up almost defeated and then I say well, let me compare it. Even I ' m the one who makes the carts, I mean, go in there online and buy visually. I mean, I got the cart ready and I
get out and I say no, I don' t want to. I ' m also stingy at cooking things on time, at non- food stuff. In that I am not even in food, but in details of the kitchen I know that more skillets, what more utensils, than glasses of all colors, sizes, flavors, etcetera. I' m like half- baked in that sense too and I think life is already leading me to after all in that sense, but not really that I' m stingy in that and you in that you' re this reed. I' m ta cane in
makeup, too. It' s hard for me, too, but I don' t leave it in the cart as much as you do. I mean, in the end I buy it, but, yeah, yeah, I' m stingy about that, too, I' m stingy about something that, or you' d say Watts on the transfers, you' d get in here and swear to me. I don' t, I put it close. I don' t know why we' ll see many followers who tell us those hundred pesos are mine. I' m not leaving it to the bank. I just feel like that shouldn' t be there.
But well, that' s for another OK episode and before I was stingy, for example, on my travels before now at all, sir I didn ' t see it no, no, no, on my travels in the ay hosting or I was stingy too in the sense that I didn' t care where I stayed, as long as it was cheaper. Oh, yeah, but now I like my good bed. I mean, I told you here, I said it in the podcast too. Gentlemen, I have a mattress too comfortable. I invested in a dump. I' m going to
what he wants to set up a mattress factory. He wants to sell us the dogs, but how do they expect the mattresses? May economics such, but really now that I' m nothing, stingy with that. I mean, now I the lodging has to be a comfortable place, you have to have a good bath, literally. One of the first things I see is the bathroom of a lodging. But before, yes, it was amazing, incredibly. I was cheap before, too, and you' re gonna say what with the hair products. Ah, but years ago I was stingy about
it. I' ve said that since I was Blonde. I didn' t start until I moved to the United States already in the two thousand nineteen and started fixing myself. So yeah, there I went in there I valued because I didn' t have a living room in it that maybe I mean, you know, they have more experience in how to get their hair out. And when I moved, I started investing in good beauty products, because before I told you, five years ago, I didn' t do it, that is, nothing like that, but I didn' t invest in
products that maybe were essential to my head. So now I don' t deal with it and I' d even say that I' m stingy with the ones I have now that my husband sees them in the shower and I take care of them so he' s already used the last ones I have. I told him to look at the next one that I already have Reyfield, it' s my turn to buy again you' re going to have to contribute something clear, because you' ve used that, that is,
and not a word with the Sginker. Also my trick with that is that I' ve been teaching him the importance For a man, sir, you tell him the importance of taking care of his skin, cremites, sunscreen and
shampoo. For him that is unusual that shampoo that because you have so much pot that shampoo conditioning, that mask, that living that is that When he used the three in one dejeran choles of a lifetime aha, then I have been teaching it because I was running out of products and one day I went with him to the Bury his pliy, which was recent and, gentlemen, a pot of this size, a ching taller and thinner, much thinner.
We' re talking that it can cost you two thousand, two thousand and some but two thousand and beak And I mean, there are others that even more. When he saw that that was the price then he said wow king rd Ok find me another one. Yeah, make it good, but make it bigger and smaller in prison. So already there, like he already knows, these are mine, these are yours the least they don' t touch because they are more expensive. But it' s just that I did that, I mean, I buy his, but they' re over and he,
mys Reyfield, then has to see touches mine. No, and I ' m like, since I' m gonna be good, I' m like, you' re using my shampoo and my conditioner' s touching you this month that' s my turn, but make it happen because if you ' re not gonna keep spending it. Sure, sure, look, and in that pedagogy thing you said, I' ve really changed at once.
In that sense, I say that the twenty- nine years entered me with that taste, so three years ago you were this cane with those three years and hour toll, that is when I was twenty- six years old, of course super cheap with lodging. I said otherwise. I prefer to spend it more on the experiences of the trip, on going out to dinner Rico, on enjoying more, on shopping beyond than staying at the hotel, perhaps
more comfortable. Not now we are going on a trip, soon we are going to Portugal, to Spain, and I told my husband Mira, the lodgings of this trip have to be, as I want, the first center that since I leave, I have everything here, because I don' t want to even waste time by taxi, in over or anything. I want to be there in the center and besides, I notice a lot about that, that is literally for me to book a lodging one of the tricks too
that can be taken away from us is. I' m looking for the best hotels in the area and I' m going to the map and see what' s close to the prices. And then I go to the pictures and I see the bathroom. Preferably I like them, that is, they don' t have the bathtub because besides they' re more dangerous, right.
And second of all, I notice in bed that they have a good padding, that is, that they have like the dube not that they have that little savannah that you see skinny savannah, is that the bedding I don ' t know, I don' t know, like I see it that way in the hotels, then nothing. I' ve changed my husband' s mindset in this respect, too, and that stinging thing definitely went to the side of it, but I have friends who tell me they' re
stingy. Laura with going out to dinner at a restaurant, that is, with going to a restaurant and she tells me look that instead of me going to dinner now restaurant, I prefer to buy a shoe and the shoe lasts
me five, ten fifteen years and dinner is gone Marcos. Now yes, literal Manda Marcos is piped with restaurants, that is to say he compares it at once how many h you see I have gone out in a meat, what does it do with a glass of wine and that it suits him better than the restaurant that it is, does not have to fight with the service that if you reserve that if I arrive ten minutes late already I have cancelled the reservation and that already they are throwing me at the hour and half he
is like this. With that with the restaurants or going outside. I think I' m in an intermission. I mean, it' s not like I' m cheap, but I don' t like spending much either. So, Abrahman have all the time not all the saying to me has started to hurt lately, especially in the Dominican Republic, that repainte restaurants have abysmal prices. Yeah, yeah, yeah, I' d tell you, yeah, and what you' re a castadora Laura in that I' m a
good spender on my travels. I, I mean, I like to travel a lot, sir, and I said it in the Couple episode that Marcos always says that I' m thinking about a trip and I' m always thinking about the next trip, so that' s one of the things I ' m investing the most. I don' t spend because I' m investing in experiences, I' d say and let me see what else?
In clothes, I already think the mindset was changed from when one was twenty years old that one only bought economic clothes, economica fast fastion already and I, like I invest in clothes I try to get the game out, but I wouldn' t say perhaps the word that is not spent on that, but I treat it as one of the expenses that I do most, but I see it as an investment, that is, more than anything else that I can get the juice out of it and let me see what else.
Not in the supermarket, not I always try to balance it, I mean, I' m not cheap at it. Still expensive shopping, I get it. Still it is expensive, yes, and but I always try to for example, meats buy it in a place that I can know is good quality, but at the same time it is not the most expensive supermarket in Miami and I treat what it is like rice cabbage that my husband drinks.
Gentlemen, that is all those condiments and foods that you use that maybe don ' t have to be so fresh, because I bought it from a Walmer, which is one of the cheapest supermarkets, so there I don' t feel like I' m spent. Now I would say that in those two I said at the beginning on trips and ok clothes on trips, I think
everyone spends a lot. Yeah like you always try to plan yourself, but it' s a goal that' s always yes, I mean it' s something that you always have, like the next trip is already in sight and then you' re not piped with seeing them that is, who' s piped with the trips, someone who comments it underneath for me to really write to you because I need to know you and you Kim spends it, Look Laura, I' ve also changed a little bit in the inter I
think that everyone, right, over the years, is changing a little bit their tastes and priorities. In my case, I used to buy any wine. Not now for me to buy a wine. I say look, for me to drink a wine man I prefer not to turn it over or I prefer not to buy it. Literally. Before I went Mr Al Nacional and I bought my wine there for 200 pesos. The teastel I' m sure you' ve heard it true two, literally the truth two hundred twenty and we think it cost. I was buying me the happy wine. I said,
oh, good wine. Already after I' ve been learning about wine, I' ve also learned to enjoy it more, I say no. I' m going to buy my good wine, the one I like, which isn' t the most expensive truth in the world either. If not the change, I like the world, because the best wine is not necessarily the morefillar. On that I agree. I also spend on good accessories to, a good wallet, a good shoe, a good strap, a good jewel. I mean, I' m not so full of shoes, a
lot of wallet, a lot of jewelry, a lot of them. I ' d say more, an investment aha too, but maybe a lot of people say I' m stingy about that. I mean, I' d rather not buy myself. I prefer to buy me ten shoes to buy me one will go. Some people, yes, it' s true. In my case. In my case, I prefer to buy a shoe and have it last for exactly years. I remember the first designer shoe I bought myself. Gentlemen, I did how much at that time, I mean, we
' re talking about ten years ago. Laura my first shoe that since I went, I bought myself and the shoe is there in the closet. I ' m not asking for ten years. Now yes, I' m standing back and I say lower quality shoes that I was buying at the time. And that doesn' t exist, that was years ago, that' s right. I even remember my college days when I went into Ays. I ' m ashamed of myself. I went into a class in the play with some shoes, a short ballerina and they had like a flower up some shoes.
What do I know? I don' t even remember where I bought it, maybe at Forever Sony Wane. At that moment Laura I entered that class happy and took off a flower from the zapón. Oh, and I saw you Of course it' s coming They were already walking in the middle of the course. I had to bend down with my whole face of shame, that is, to pick up the flower. Yeah, that' s what happens is that in the end it' s cheap, it' s expensive. But as you say, a lot of people don' t understand
it and it' s cheap. With that he prefers not to give it, not to give it, because ah it is simply a luxury brand and costs too much, but look how that money is of forgiveness. Those shoes are already ten years old that if you take the price of those shoes and divide it by ten, that is, it' s different from that flower that doesn' t even exist. And if and if you don' t and if you divide it like you do yanalis, if you divide it by how many times you use it, that is, I can tell you because
there are pieces that cost, that is, they have their balor. I ' ve compared it and I say, sir I' ve put it on so much Amá. I have some tennis, glasses and a wallet that my husband forbids me. I say hey give him a break is more. I oppose it and he starts to relax next to you eating there literally I gave you truth till I burned them. But in the end, that' s what I buy myself for, but, well, I think they' ll last you, and to get the game out, I agree very much.
Look, there' s one you didn' t tell me, but I know you. Aha spent on sweet, oh yes, chocolate. You' re a candy spender, I mean, when I was thinking about how much I actually mean, I spend candy, but it' s not a trigger. I don' t spend on chocolate, gentlemen, chocolate and not any chocolate. I mean. Sir, I reject chocolate, I reject dessert,
I reject sweet. Everything that has a fruit in the middle, rejected because I say I don' t go first, I don' t drink the calories, I mean, I juice forget about that and I don' t like the calories that I don' t enjoy right now, all I have
was about eight. Gentlemen, there' s my money. And when you had, I mean maybe a few years ago, what has been an expense, for example, that before you didn' t have, well, apart from my goddaughter baby who tripled the expenses in this home that maybe I don ' t know six years ago, eight years ago, you didn' t even know about that expense and that now you included it in your budget. Ok look maybe not necessarily on the menstrual budget, because the monthly budget.
Obviously, already after you move in, you get married, you have kids. There are already things that of course when I was in college I didn ' t have like now that I have, because electricity is supermarket, transportation, etcetera. Now, that I included that I didn' t have before, because I included maybe the ah well, it' s not an expense, but it' s a savings, the au one from the emerging fund is clear, that is, ten years ago you talked to me about that
and I might say which emergency fund. I' m not too young. I included that savings. A saving for the future, that is, for retirement. That too before I didn' t even think about the things in the house. I remember when I hated going out to Kasaco. It' s okay that I' m Mommy, please, I don' t want to go, I don' t want to go to me. It forced me, I hated that, but now I really enjoy it, I enjoy going to see how beautiful you carry beautiful portrait this vase, as those Dongis
also doñistic expenses that arrived. It' s also an expense that we didn ' t even think about before, but it' s not a monthly thing, it' s an exact thing. From time to time. The Sking that I included it, too. You included it, yes. I used to buy in the serena, Mrs King Yes, yes, you Yes, yes, I mean, yes, any exact soap. I also used New Trgina, you remember that gives me the band like the pharmacy in America and after wow, how long, because I changed that literally six years ago.
It also doesn' t do so much why not. I' m also not going now that in Tiktok we' re seeing young girls using their moisturizing to cremate you to be an unusual thing for me. I didn' t
even think about any of that before. I washed my face and said goodbye exactly and I was going that way I also gave myself then, yes, and to a major expense, that which comes every two months exactly, every two months two and a half months, which is not something that one has monthly, but we do have to contemplate it, as, for example, also the gifts. You have more activity right now, for example, and all that, but I, for example, know that I have specific gifts,
like birthdays of a close person in December. Birthday also to my family friends, and that I have included as well as Kim. Insurance covers insurance, particularly vehicle insurance, because health insurance is covered by the company where I
work, but vehicle insurance is paid by me every six months. So that ' s where I' m programmed and I already know that monthly I have to allocate that to my savings account, to high performance, already in the United States and when the time comes to pay, because I already have that and I don' t get the picture squared. But that was something I didn' t even see before, I mean, I didn' t exactly take it into account. Wow, and the time let' s talk a
little bit about what people like about travel. What' s that most expensive trip you' ve ever made. It' s already been with you, Japan and South Korea. Yeah, but why. Because it was expensive, well, because we chose a tour that maybe next time, because we don ' t leave alone, because we' re going back and maybe we can save ourselves a little bit more. And also because obviously a passage exactly so
far away, because it' s expensive. In itself, I would say that it wasn' t so much the lack of food, but it was more that perhaps on the tour we could have saved ourselves a little bit by choosing destinations that we did want, specifically because there were some destinations that we might have made and also the good passage, yes, already broken. That ' s why you already fall off the blanket, which is the most expensive. In my case, you were Mexico. I didn' t go to
Mexico, okay. In my case I have gone twice to Mexico, once when it was my honeymoon, which was on the two thousand eighteen, and at that time we went to the Mayan riviera, to the records and I said wow, what place so expensive in clear serial, too expensive, that is not for lodging, because it is basically equivalent to car ok tip because it seems. But transport, I mean, I' m talking about contax
here, maybe eight minutes driving. We' re talking fifty- four dollars or just one way then one turn fifty- four, that is, it was too much money. In addition, restaurants are also extremely expensive. Now we recently went to Mexico City, which already has different prices. But the restaurants, if I found them elevated, I found myself faithful in the pedases. So, the lodging, well, we even stayed in polanco, which
is supposedly one of the best. Yeah, I heard it, but restaurant food specifically isn' t cheap, I mean, it' s worse than here in the American Republic. Now on the street, super good, but when you say, well. But our journeys are full gastronomic. We' re going to many restores before, because it did shoot full the price, even the budget. I shared it from that trip on the instagram. Wow, Mira would surprise me. I went to cosume the moment I remember,
but it was a cruise. Then I didn' t even sleep. It was like we took a tour of a nearby beach, we did diving, so we didn' t even eat there, we ate on the cruise ok because it was ten in the morning, five in the afternoon. So I haven' t been to Mexico City. I' ve got it in my checklis. So I' ll see that budget when I go and keep it in mind that, well, it' s a little more expensive than your favorite financial instrument, your investment instrument. I just love it. There'
s God I like a lot. I like too many instruments, really, because obviously it' s going to depend on the goal you have, but suppose you take the men ay open it. I like them a lot. I mean, there aren' t three that I can' t really do many, but there are three. Aha top three liquid investment fund, that is, it' s a springboard that everyone has to have for me.
I need it there next to me, because there' s always going to be a money you don' t know what to do with it, and you' ve got the fondito there for you to send it right away. What you think of mutual, which is perfect for all the goals that in my case, I plan over time, my daughter' s things, travel things that or that is totally part of my life, to also buy other
properties later and so on. And the bonds, the bonds for me are an instrument that allows you to grow financially speaking fairly, that is, faster than the others, because you can first access higher rates, second to an
interesting flow for a long time. Tell yourself flow goes in with spoons, flow yields, that is profit that goes to your pocket frequently every three or six months, depending on the bonus and insured for a long term, which is very interesting, because if you lower the rates and pass whatever happens in
the market, you already have that insured for longer. And, besides that whoever knows how to invest in bonds when he' s going to sell it, if they sell it at the right time, he can also make a capital gain, so those three I love, although there are many others, but those three are part of me and you what' s your favorite. You have one you can say so hard. Right. After Jente says the question and I said it' s true, it' s very difficult to
choose one. I love investment funds and I' ve always said so, because it works both for short- term or long- term goals, because even though you can withdraw your money like liquid every 24 hours, you can leave it there for exactly years. I also love that it grows with compound
interest. I am a super fan of compound interest and in the United States I would say that also the same investment fund that we have here and there is called Indie pos or, TFS or cliffs, that what they do is that, instead of investing in financial instruments, they invest in an index, in an index that continues in the five hundred largest companies in the United States,
like the Snapie fif Hunter. So what I like is that these two instruments are very similar, both in Dominican public and in the United States, which in itself. When you invest in them, your investment is diversified, that is, it is not in one product, but in different ones. So that part I like and I also love about the investment funds, that whether I carry a thousand pesos or when I carry a million pesos a hundred
thousand pesos, we all get the same profitability. So the question is difficult, because also, gentlemen, I like motorcycles, bonds, stocks, but if I had to choose one, I didn' t go for those. Yeah, I think the investment fund, as well as when I vote such a dress and I say ay looks like the time in the dive fund really
looks like you is axible. Aden are flexible flowing. I mean. When I learned, gentlemen, from the investment funds, I kind of fucked it up, I said it' s not that I have to soak up this instrument because I loved it very much and well, we were also talking about
the favorite investment. But and your favorite credit card, no, my god, well, here, here, in Republic You would say or in the United States, wherever it is, but they can go well, yes, okay, one and one, I would say that, according to the expenses I have in Dominican Republic, one of my favorites, because I don' t want to warm up, gentlemen, I would say that it is the visa plus one of my menca, which gives twenty percent return in restaurants.
It also provides incentives in gymnasium. If you know that I love the whole gym supplements and also fuel. I mean, sometimes when I come here, I have to transport and so on and in the United States, because I ' m going to choose one of the trips. Gentlemen, because you asked me, my favorite doesn' t mean I don' t have others for those essential expenses. Mind because everyone here must have credit cards for both those
essential expenses and those tastes. Then I have my credit cards for my essential expenses, such as the supermarket gasoline pharmacy in the United States. But also my favorite is travel, which is the capital one venture X, which gives miles. When you take them out for the first time it gives you three hundred dollars of credit per year that you can use on its platform so much to book flights as to book hotels. And a lot of people would say
no, but on that platform prices are higher. Not really because they have a policy that guarantees you the same price. So if on their platform you see a higher price on an air ticket than what you see on Google Flight you can call and they match the price, then that' s three hundred dollars that in itself are giving you a hundred dollars they also give you every year as an anniversary to use on that same platform. We' re already
talking about four hundred dollars. Of course they give you a hundred dollars of credit in the global and tre tse that has talked about that which I recommend a thousand percent. You save too much time at the airport and make that
travel process easier in safety. You don' t have to take off your shoes, you don' t have to take out the computer, that is to say I see many gentlemen, for me that makes the process a lot easier, because you even leave in another row that there are fewer people, so with that card already having it, that already makes you free excellent. So, aside from that, for every time I use it I' m accumulating points that have served me for air tickets for my trips, for hotels
and even for rent cars. Okay, so it' s been very functional for you. Of course and not to mention the benefits of the brand that we talk about international insurance, that I can do online consultations, so that is also something that listeners must verify. Yeah, yeah, yeah. In America, the truth is that I feel miles are too much of a crazy, crazy, and I don' t know, I don' t know what they' re doing, but they really should kind of send the tricks
over here. I think so, yes, of course because I have seen, for example, videos I am giving a card that I am not going to mention, but a card that I know is here in the Dominican Republic, and that for me is a card that is aside, that is, it is an x card that I do not use and I would not recommend either, because we have already used it in my house on previous occasions and
the truth that you do not give results. But in the United States, everyone gets results from that card and results that leave me with the feeling that it' s really the difference, because they don' t match it. Yeah, yeah, yeah, yeah. I think there' s a lot of potential, but at the same time, I think that financial institutions are now getting to grips with it, that is, they' re looking at those cards that didn' t have any benefits. People are already more informed.
I don' t know if it' s economic, of course, or the shop saves by giving cards. Yeah, but people have more knowledge. Yes, no, because before they really had very little in the country, there were little ones with good benefits. Besides, it was kind of low profile. No one was talking about them and suddenly, we started talking about credit card, profit, credit, and people are going about what'
s going on, what' s going on. Let' s compare, cancel one, I have the other and everyone goes looking for the one that suits him best. And I love that because in the end, gentlemen, we' re the user. They are more the pain of our money and we have the power to decide which products do work for us and to discard that is that they do not work for us and that they are simply losing credibility and losing public. I agree very much and you game your favorite credit
cards or your number one card look. There are also many, i e, there are too many options. In my case, given what I want to take advantage of what I need in my home and so on, it can be totally different from what you hear need for you or for the point
of life you are. But in my case, for me, the super cash back downesco is a spectacular card, a card that equally has a lot of time in the market, but it has very good benefits and not only for the percentages that they offer and in the categories that it offers, but also for the limit amount that it offers, that when one compares good, of course the percentage may not be the highest, but the limit amount is higher. Then it makes me feel better to have a lot more there.
And for travel. It' s really a card that I have a few months ago, but I see it' s giving very good results. And it' s the Iberia card. It' s a card that, although we haven' t gotten the juice out yet, it' s true because it' s very recent. But we' re already looking at how those abios are growing, which is what they call points, miles, and so
on. And when we did a projection, that is I made a projection that looks at if I buy a flight to Europe with the points of this card that are called abios, because it comes out at a point level, I remember that it was like thirty thousand, thirty- two thousand points that when you compare with any other card that you are identified, we are talking about that I want to sell you a bowl for Europe in one hundred thousand
and a half points and you have to pay out. My husband passed to me that recently we just bought two flights with miles and I told him look. That card' s gone This card' s gone I mean, we were charged a lot of miles anyway. I' m talking about over a hundred thousand and pick them up and besides, everyone had to pay twenty thousand pesos in ten okay, it' s not going to be, but it ' s not worth the card, a card that' s a luxury. Basically nothing then. I feel like that one has a lot of potential.
Obviously, I' m going to share our feedback later on, when we really start to get the excellent game out of it and that currently you would improve your finances, uy my finances. Oh, God of finance. Couple. Yeah, yeah, yeah. Look first and that' s something he confesses to, too. I' m talking about, you' re moving a movie and you' re really waiting to give it, pause, look and such a thing that we can do or such a thing that you mentioned
to me, such a business. So I feel like the subject is very present that maybe true is normal in my house, because I am a financial advisor and educator, but I would like to isolate it a little more for specific moments or expensive those financial appointments. So we, for example, yes, sometimes we say ok, we' re going out to dinner, since we talked in the middle of dinner about such topics, but then we dispersed the themes and then, every once in a while we' re talking about
finance. Then I feel like I' m getting a little bit rough. I wouldn' t like to have him so scattered. I don' t know how if you and Marcos already have it well established, we really don
' t have it super established either. But super so it' s like ah it' s the 30th of every month, but there' s a day a month that we talk about fine, just as you say we' re always talking like he tells me, like ah look, Mr Stack, it came out, it went up the market, that is to say cool, but like things like that on time from the house, like it already has, but it' s established, like it' s this day at this time. But yeah, once a month we talk like it' s
even to be accounted for, like, okay how the budget goes. This month we spent a lot, we went on a trip and what we can do to improve We saved a little less than we already said, but there is not a specific day that may happen that, instead of doing it every month because we don' t have a specific day, we do it every month and a half, for example, and things accumulate a little bit more. Okay, okay, me. I would also like to be a little
more aggressive in terms to the end. I' ve sometimes felt like a little held back in that sense, like I' m more pulling, moderate, conservative than aggressive. But in my house we do have a balance in that because Juan, my husband, is super aggressive, or he thinks more about it piece more in entrepreneurship, new business or new business line, etcetera, etcetera. And I' m more of a ok Let' s go to the stock market Let' s go straight to a bonus, let'
s go straight to a fund? Then we have that balance. But yes, I would also like to be a little more aggressive. It happens to me with frames, with actions, with aggressive, it' s very aggressive and I' m not so much. I mean, literally, when I ' m aggressive, it' s going wrong, it' s like that. You' ll tell him I can' t be aggressive, because when I get excited, he' s got a bad saction. Then I really
prefer to be the observer. You remember with gitcom me. I think that was a moment of greater agstivity of the whole story and I, Laura, have to invest in beat Come, Mom, invest in beat Come Ben we put a money in Bitcoin and it lasted like three years plummeted with friendship of loss, that is, the serious ones. We' re already in a position right now, yes, but yes, but that was a moment of aggressiveness and Mira is negative exactly. So what I do with those actions is
look. I' ve been aggressive, because I don' t take it back. I mean, I' m at a loss, but I don ' t exactly take it back. Neither do I, as I materialize the loss. Yeah, me neither. I' m fine. Take it easy in that sense, and dear, Laura, if you get a lot of money, imagine that you' re walking down the street, not the street. Not anymore, right now, I can' t invest why with this
money on a black tip, in a briefcase. But okay they call you, Mrs Laure, you won the contest of your life and you will receive half a million dollars in your name, signed by such a company. All formal that you art with that, Lieutenant Humile Dollars. Look, I' m also conservative, moderate, and the first thing I would do is decide what to do, because obviously that was very unexpected. I put a part in a high- performance rho account, to see what I do. In
what I decide, hoop, I put a part. Let' s just say I put a hundred thousand dollars in a high- performance account, put two hundred thousand. We call for three hundred in a liquid investment fund and the rest I put in a longer term. Let' s say six months, one year, but then I can withdraw money. What I decide what to do, right. And then I start looking for a real estate and see what we can do with it. For Economics data, I mean, I would focus on those two goals, like one real estate for that to
grow and another to see how to invest it in economics tata. I missed that high- performance roll account thing, maybe catch a little bit, either for a trip or for a weird portfolio, for a portfolio something like Ron lubujo. Clear eye for a few little earrings. You know, but yeah,
a lot of it would divide it. So until because I don' t like to make decisions like hot, like you' re not going five hundred thousand dollars we' re going to make a cash offer for this property, not like a property I' d like to compare people and so on and then make the decision with more information and not in a hasty way. Yes and no. I think a lot of people would say that. That thing you mentioned. That example of that five hundred thousand dollars a real estate.
Right now that it costs five hundred thousand and they leave and literally take the five hundred thousand, you keep me five hundred thousand. Yeah, exactly, like I don' t know if by emotion, like I hate to see then I prefer, since I have the money, I bought it, I already have my furniture. Not the other way around, I mean, I' d never really buy a hundred percent of the case in life. Neither am I, nor am I, and stopping it exactly even though it
is very important. And that' s what you decide, because that money may continue to generate as we say, that is, if you need it in fifteen days or twenty days. That can happen in what you make the decision or in a month, in two months. You don' t know when, how long it' s gonna take for you to look for that real estate you want and what would you do? First, I mean, we run away with liquid, they send you more than one money. There,
of course, running away what I think. Yes, I mean, we' re 100% aligned in that sense, because up to a day of$ 500, 000 we' re going to calcate it. How much would it be to ilrate it, how the liquid bottoms walk today suppose well, there is one that jumps. Yeah, there' s weight they' re still noticing in dollars, dollars. So it goes like a three rebu three fifty to four there are, but put three fifty to be observers, okay, so let' s see m ok for five hundred thousand dollars.
Gentlemen, we' re talking too much of a fourth hope that I think I calculated it for a clear month, but ok three fifty for the one who doesn' t know how three fifty of a hundred truth is calculated to bring it to points in three hundred sixty, which is usually the basis of calculation used by saphiles in bags. Instead of dividing it between three, six, five, it divides it between three hundred and sixty to take it daily,
then between three hundred and sixty. And then we' re going to multiply it by the invested capital, which is five hundred thousand dollars and well we' re talking one day. That' s$ 49. Imagine that I last the twenty- eighth day thinking we' re talking about a thousand three hundred and sixty dollars. Exactly I will last 28 days and analyzing what I do with that five hundred thousand two, that' s an income.
Here, in Dominican Republic, I don' t say, I don' t say in me love because I don' t even give you to live under the bridge, but here, in the Republic of Americana, that' s an income and you' ve got a hundred left over without your dollar tempo. Well, that' s what I do first. Second, I ' m talking to my husband. Husband we go aggressive, contagion. Oy I am always a hundred sure that he proposes me a real estate, i e continue to grow the portfolio of real estate that we have already made up
also a part for a fattening plot that we recently started. With this investment it is and so obviously, it is a long- term investment, but of course, it is a clear investment is a different investment, it is an investment in tyera menus roots, that is to say I like to balance
the portfolio. Also because I see that investment options there are that are attractive to not only leave it on the liquid bottom, is that it is only a springboard, of course, but it is attractive that I can take a good slice and place it here to grow, that is, that it would make a diversification. There are among several styles of investment for the money that grows and obviously Greece and Turkey, Greece sdes know what the trip is doing. He' s got me talking to them and I haven' t planned
it yet. I don' t put it on a true date. Now I get a date soon nobody clear salty, you have to visualize and act above all because you have many years visualizing, but you have to act exactly true. Then nothing, Gresso, Turkey would also take a part of that good super Kim award. And to close now what is the trip or destination, what you have made cheaper, cheaper, ok Look at the destination definitely
Colombia. In other words, Colombia is extremely economical. I can tell you that I really spent like a thousand two hundred dollars with lodging, passage, clothes shopping, emerging Colombian designer that obviously, there we are talking about a luxury, literally that I wanted to give me food, dinner, drink, sir. Too cheap, too economical, and that was the true country,
but one of the trips also came out cheaper. The now was you after you released in New York and prementamentely because we left four women, yes, and everything is videotaped between four. That is to say, we divided the food by four, the perfect number to travel exactly, the uber the lodging, everything was between four and I remember Laura that you and that' s it. We shared, for example, ice cream. I' m my
half time, hok to half and I wasn' t a reed. It wasn' t because go, right now, people say like they wanted this street. No. No, it wasn' t like I said the time. I can' t eat anymore, Hocttock, because I want to keep eating. I can' t. We lost yes until exactly. Then it was all my appointment to eat more. Ladies and it' s us who finish us right now, tell us no. I didn' t buy an ice cream for everyone, yes, for you too, what was the fate.
We met in New Colombia, that is to say, that is also by dephonic that falls from the kill, but I would say that also some trips that I would have thought I was going to leave, that is, the country forgiveness, not the total trip, but the country that I would have thought, that I thought was more expensive than it was. He went to Germany. Now when I went, I mean, food is super cheap. Yeah, the food ate the sausage. They have some dishes. There they eat a lot of pork, a lot of pigs, so you know
I spent work. Also once you work and I spent work, but also that we went skiing, because I compared it with the United States and yes it is a little cheaper in the lodgings the transport that I thought was going to be more expensive also when we went on cruise to the honeymoon that we went, went to Greece, to my icon and to Santorini, and also went to Croatia, to du Broupnick and Split, because I thought that also,
that is, we were going to a cruise in Europe. But when you figured it was seven days, that is, it was cheaper than we thought. And if I had stayed a night in, because it has been totally different than clear that I did not sleep there, yes, I also kept the taste that I want to go back, because it is also an experience to sleep there in one of the hotes. But I would have thought
with a cruise to Europe was going to be more expensive. I don' t think the cruisers have given the crusaders a chance, that is, the only cruise that I' ve ever gone. It was a prize. You remember that I won compared that we won in pairs and lasted many days for the Mediterranean. Yeah, but I haven' t given him a chance to try the prisoner on a cruiser and I think a lot of people pull look.
Cruises are the most economical and the most affective cost To me yes, yes, because already there you have accommodation clear, transport that you ubiquitous and you have all entertainment. I understand that with children it must be very cool,
very nice or good. I haven' t gone with because I don ' t have children, but with envelope seen to the people that well, I with my nephew this to a cruise on the islands and he enjoyed very much, because they have activities for them, they have the pool, the slides and there is always something to do on the cruise. Then it also gives you the advantage. We did a cruise in my family, but this
went to the Caribbean islands that we went thirty- five people. So there you had old people, young people and middle- aged people, who gave the freedom that he wanted to leave, the one who wanted to leave early on the island, because he was leaving early, but the one who wanted to stay maybe on the cruise that day, a wholesaler because he didn' t want to leave, because also, but you also shared very nice and you also have activities then the truth that a cruise is an experience, I
say, and that with the children and family friends I have also made with friends is a unique and different experience, because in the case of Europe, for example, in Greece, precisely that they are street girls that you have to go up stairs and others, and they are narrow streets, because I didn' t have to be with the issue that I have to change myself taking a flight that with the suitcase on the cruise I left it and then I went back in. Okay, he' s got his pros and cons.
Of course you do,' cause you only last one day in one place aha. But it is also I would say that a different experience for one to travel, that you should give yourself the opportunity also with renata. Yes, yes, yes, when the baby is born and grows a little longer. I think so, it' s going to make you a family trip that promises a lot of economic speaking and also quite fun, quite effective and quiet. Yeah, yeah, yeah. He' s not very stressed, he' s planning a lot. Fill in, too. Yeah,
yeah. Well, gentlemen, Laura won' t stay. A lot of questions he has to ask you that he was going to get you off base. But this episode present for sado, for a part of s because part two we can do with the husbands. Oh, yeah, they got you two with the husbands. You' re wondering, as well as a variety of finance to get to know us a little bit more. What do we think in certain ways, certain things and nothing? I hope you were able
to enjoy this episode, unlearned new things and laughed a little. Send this episode forward you stay alone with him, send it to your friends, coworkers and others so that they can also know a little more of him and side of economics tata. Well, gentlemen, thank you for joining us until we finally see each other in a next episode bye- bye Chau We left