Perdí todo mi PATRIMONIO y tuve que EMPEZAR DE 0 a los 50 | Ft. Nayo Escobar | Dimes y Billetes #467

In this episode, Nayo Escobar shares his unfiltered story of going bankrupt, losing his entire fortune, and ending up owing millions to ten banks. He talks about fear, guilt, envy, and shame, about rebuilding his financial life from scratch, and about how he transformed his story and his work with emotions into his new path to success. Be part of the first season of Sign My Check. If you're an entrepreneur looking for investment, go to the link below, fill out the form with your business information, and you'll be competing for a spot in the program: https://firmameelcheque.com/ 00:00 - “There was no way out”: the perfect storm, business bankruptcy, and criticism of the financial system that freezes accounts 00:18 - The total debt: 165 million, 85 million with ten banks and 80 million from family assets 01:17 - Nayo's introduction and initial reflection: time, routine, and the importance of never stopping learning 04:07 - Auditory meditation: a 5:13-minute melody, ADHD, and learning to control your mind, not the other way around 07:21 - At 56, he returns to studying psychology to better understand people and himself as a content creator 09:03 - The system uses fear, guilt, shame, envy, and sadness to manipulate society 10:24 - The circus of emotions: Fear → courage, guilt → responsibility, shame → dignity, envy → inspiration, sadness → hope 12:33 - Financial self-sabotage: “money burns me up,” spending due to guilt, and a mental ceiling that prevents you from having money 13:44 - Budgeting like a plane and cash flow like fuel: earning money vs. having money and peace of mind 32:19 - Six years later: he's already paid off seven banks, three more to go; step one was securing his family's basic needs before paying 35:05 - Rebuilding from scratch: selling the house, living paycheck to paycheck, and using financial experience to design a master plan 39:53 - Meeting with his children: telling them “there's no inheritance anymore,” redefining goals, and focusing on studies and self-sufficiency 41:05 - The three basics of budgeting: shelter, food, transportation, education, and health; The rest is social and inspirational. 47:52 - “PhD in financial crisis”: using your story to teach personal finance and never hiding from the creditor. 53:55 - Why it's “irresponsible” to set up your children's lives and how inheritances are usually spent in a quarter of the time.