{"id":165821,"date":"2026-03-11T07:48:36","date_gmt":"2026-03-11T13:48:36","guid":{"rendered":"https:\/\/lospoliticosveracruz.com\/?p=165821"},"modified":"2026-03-11T07:48:37","modified_gmt":"2026-03-11T13:48:37","slug":"las-deudas-que-nadie-te-enseno-a-evitar","status":"publish","type":"post","link":"https:\/\/lospoliticosveracruz.com\/?p=165821","title":{"rendered":"LAS DEUDAS QUE NADIE TE ENSE\u00d1\u00d3 A EVITAR"},"content":{"rendered":"\n<p><strong>Julio Vallejo<\/strong><\/p>\n\n\n\n<p><em>La delgada l\u00ednea entre mi opini\u00f3n y la tuya&nbsp;<\/em><\/p>\n\n\n\n<p>Cuando cumples a\u00f1os; significa una reflexi\u00f3n de metas cumplidas o una crisis de edad especialmente acabando los cuarenta. Entre m\u00e1s van pasando los a\u00f1os la falsa seguridad del consumo te hace vivir la falsa dictadura del \u201ctarjetazo\u201d. El ser humano contempor\u00e1neo parece gastar m\u00e1s de lo que ingresa, atrapado en una carrera de obst\u00e1culos donde las meta siempre se mueve.&nbsp;<\/p>\n\n\n\n<p>\u00bfPor qu\u00e9 corremos una carrera financiera que no sabemos hacia d\u00f3nde va? Gastamos por instinto, por miedo o por imitaci\u00f3n, pero rara vez por estrategia.<\/p>\n\n\n\n<p>Mas de una vez he escuchado de los padres decir que la \u201cmejor herencia\u201d que le pueden dar a los hijos es la educaci\u00f3n, y bajo esa bandera, muchas personas se endeudan por muchos a\u00f1os sin garant\u00eda de que un t\u00edtulo sea la mejor inversi\u00f3n y garantice el futuro de sus hijos; \u00bfacaso ser\u00e1 una inversi\u00f3n a ciegas donde el costo emocional es alt\u00edsimo?<\/p>\n\n\n\n<p>De la misma manera pasa con las paredes que no se habitan (casa) muchos se endrogan m\u00e1s de 20 a\u00f1os en un cr\u00e9dito hipotecario para pagar la casa que a lo mejor no sea la de sus sue\u00f1os, pero si habitable al final del d\u00eda el hogar se convierte en un monumento a la deuda, no en un espacio de vida, que al finalizar el d\u00eda solo llegas a dormir.<\/p>\n\n\n\n<p>Tambi\u00e9n me ha tocado escuchar; me gasto todo porque ma\u00f1ana me muero y no me llevo nada, el problema no es morir y dejar dinero; el problema es seguir vivo y no tener nada. La falta de educaci\u00f3n financiera nos hace confundirnos en el vivir el presente con el destruir el futuro.<\/p>\n\n\n\n<p>El problema no es la falta de dinero si no el abismo educativo en el que nos movemos, nadie nos ense\u00f1a a entender el valor del dinero, ni mucho menos como gastarlo o invertirlo cada persona sabe su necesidad y sus deseos o comprar sus sue\u00f1os, pero el dinero solo nos ense\u00f1a a desear las cosas que este compra, la conclusi\u00f3n es amarga, pero en conclusi\u00f3n nos hemos vuelto unos analfabetos financieros con t\u00edtulos universitarios.<\/p>\n\n\n\n<p>La educaci\u00f3n financiera es fundamental en el ser humano, no solo para conseguir la capacidad para administrar tus fianzas o planear el futuro de ti y de tu familia si no para tener una paz mental. Es momento de ense\u00f1ar a nuestros hijos a fomentar el h\u00e1bito del ahorro, para qu\u00e9 sirve y que es el dinero, explicarles cuales son los gastos necesarios, los que no y por \u00faltimo comprar de manera inteligente y no solo por deseo.<\/p>\n\n\n\n<p>&nbsp;Gastar lo que no tenemos no nos hace m\u00e1s vivos; solo nos hace m\u00e1s cautivos de una deuda que no solo se paga con dinero, sino con la paz mental que nunca logramos recuperar. \u00bfY tu que opinas? Eres de los que gastas o eres de los que ahorra.&nbsp;<\/p>\n\n\n\n<p>#DINERO #pazmental #educaciondinaciera<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Julio Vallejo La delgada l\u00ednea entre mi opini\u00f3n y la tuya&nbsp; Cuando cumples a\u00f1os; significa una reflexi\u00f3n de metas cumplidas o una crisis de edad especialmente acabando los cuarenta. Entre m\u00e1s van pasando los a\u00f1os la falsa seguridad del consumo te hace vivir la falsa dictadura del \u201ctarjetazo\u201d. El ser humano contempor\u00e1neo parece gastar m\u00e1s [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":141394,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"tdm_status":"","tdm_grid_status":"","footnotes":""},"categories":[70],"tags":[57058,57059,57057,57056,57055],"class_list":{"0":"post-165821","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-de-opinion","8":"tag-ahorro-e-inversion-inteligente","9":"tag-analfabetismo-financiero-en-profesionales","10":"tag-deudas-y-paz-mental","11":"tag-educacion-financiera-para-la-familia","12":"tag-julio-vallejo-columna"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>LAS DEUDAS QUE NADIE TE ENSE\u00d1\u00d3 A EVITAR - Los pol\u00edticos Veracruz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/lospoliticosveracruz.com\/?p=165821\" \/>\n<meta property=\"og:locale\" content=\"es_ES\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"LAS DEUDAS QUE NADIE TE ENSE\u00d1\u00d3 A EVITAR - Los pol\u00edticos Veracruz\" \/>\n<meta property=\"og:description\" content=\"Julio Vallejo La delgada l\u00ednea entre mi opini\u00f3n y la tuya&nbsp; Cuando cumples a\u00f1os; significa una reflexi\u00f3n de metas cumplidas o una crisis de edad especialmente acabando los cuarenta. 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