"Debía $15 MILLONES y apliqué un MÉTODO para salir de mis deudas" | 184

👉 Visit https://www.hostinger.com/peras and use my code PERAS MANY THANKS TO: 📊 STOCKS, ETFs, CFDs: https://geolink.xtb.com/G9mkj 🏦 INVESTMENTS: https://www.afphabitat.cl/contratacio... 💵 ADVICE: https://patrimore.com/?utm_source=per... 🔑 MET LIFE: https://go.metlife.ly/hQNEQM In this episode of "With Pears and Finances," I'll tell you how I ended up owing $15 million pesos and the strategy I used to get all my debts in order. I talk about the method I used to get out of debt, the most common financial mistakes, and why earning more money isn't always the solution. If you feel overwhelmed by debt, this episode can help you understand how to start regaining control of your personal finances. Production Company (VIDEOS, PODCAST, PHOTOGRAPHY): 💻 https://www.jp2producciones.com/ 📧 [email protected] JOIN OUR COMMUNITY AT: 🤝 https://linktr.ee/conperasyfinanzas CONTACT: 📧 [email protected] 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 stated in this program constitutes financial advice; it only represents the personal opinions of the hosts, as does any commentary made by podcast guests. 00:00 - 01:02: How to get out of debt and create a plan to pay it off 01:02 - 02:04: Who is Francisco Ackermann and how did he get started in financial education? 02:04 - 03:05: How did he accumulate 15 million pesos in debt? 03:05 - 04:08: Common financial mistakes that lead to debt 04:08 - 05:10: How ego and lifestyle increase debt 05:10 - 06:12: Money lessons learned from his mother 06:12 - 07:13: How to consolidate Paying off debts with the bank to pay less 07:13 - 08:14: The snowball method to pay off debt step by step 08:14 - 09:16: The moment that made him decide to get out of debt 09:16 - 10:18: Living in debt and still spending on travel and luxury 10:18 - 11:19: When he discovered his partner was also in debt 11:19 - 12:20: The breaking point that changed his financial life 12:20 - 13:21: Habits that helped him improve his finances 13:21 - 14:23: Listening to podcasts and audiobooks to learn about money 14:23 - 15:25: How to create new projects to earn more money 15:25 - 16:27: How to negotiate a raise correctly 16:27 - 17:29: Why you shouldn't increase your style Life when you earn more 17:29 - 18:30: Buying your own home or investing: which decision is better? 18:30 - 19:32: Clear signs that your finances are in bad shape 19:32 - 20:34: Why not saving money is a financial warning sign 20:34 - 21:36: What to do if you earn less than one million pesos 21:36 - 22:38: How to increase your income with new skills 22:38 - 23:40: How to negotiate better opportunities at your job 23:40 - 24:42: Starting a business or working extra to earn more money 24:42 - 25:44: How to start organizing your finances when you can't save 25:44 - 26:46: Reviewing your expenses to detect money leaks 26:46 - 27:48: Why saving is still a powerful tool 27:48 - 28:50: How much should you save from your monthly income? 28:50 - 30:00: How to prepare for the heavy expenses of March 30:00 - 31:10: Investment instruments that exist and how to choose 31:10 - 32:20: Mutual funds vs. ETFs: which is better? 32:20 - 33:30: How to start investing if you know nothing 33:30 - 34:40: Why learning before investing is essential 34:40 - 36:00: Real estate investment: opportunities and risks 36:00 - 37:20: How to negotiate properties to buy cheaper 37:20 - 38:40: Signs that a business or investment may work 38:40 - 40:00: Why starting a business in something you already know works better 40:00 - 41:30: Common mistakes when starting a business in industries you don't know You know 41:30 - 43:00: How to create new income streams with projects 43:00 - 45:00: How to invest in startups and what risks exist 45:00 - 47:00: How to choose investments where you can add value 47:00 - 49:30: Why you shouldn't spread yourself too thin across too many projects 49:30 - 53:22: Final lessons to improve your finances and generate income #conperasyfinanzas #PodcastInSpanish #personalfinance