{"id":2095,"date":"2024-06-10T17:15:10","date_gmt":"2024-06-10T21:15:10","guid":{"rendered":"https:\/\/wealthierbook.com\/?page_id=2095"},"modified":"2024-06-10T17:15:10","modified_gmt":"2024-06-10T21:15:10","slug":"endnotes","status":"publish","type":"page","link":"https:\/\/wealthierbook.com\/es\/endnotes\/","title":{"rendered":"Notas Finales"},"content":{"rendered":"\n
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Introducci\u00f3n: Un amigo en apuros<\/strong><\/strong><\/summary>\n

La cita introductoria puede encontrarse en: https:\/\/www.morningstar.com\/views\/blog\/client-engagement\/what-is-financial-empowerment<\/a>.<\/p>\n\n\n\n

Cr\u00edtica del New York Times <\/em>de La inversi\u00f3n m\u00e1s inteligente: <\/em>https:\/\/www.nytimes.com\/2006\/10\/08\/business\/mutfund\/a-bold-insistence-on-one-way-to-invest.html?searchResultPosition=1<\/a><\/p>\n\n\n\n

Lista de libros recomendados de Derek Sivers: https:\/\/www.readthistwice.com\/person\/derek-sivers<\/a><\/p>\n\n\n\n

Lista Kiplinger <\/em>de libros cl\u00e1sicos de inversi\u00f3n: https:\/\/www.kiplinger.com\/article\/investing\/t031-c000-s002-boost-your-iq-with-a-good-book.html<\/a><\/p>\n\n\n\n

Los libros financieros imprescindibles de Style Rave: <\/em>https:\/\/www.stylerave.com\/best-must-read-financial-books\/<\/a><\/p>\n\n\n\n

Sobre mi disputa en antena con Jim Cramer: https:\/\/www.huffpost.com\/entry\/the-solin-cramer-smackdow_b_188535<\/a><\/p>\n\n\n\n

Paso a la inversi\u00f3n en fondos indexados: https:\/\/www.cnbc.com\/2024\/01\/18\/passive-investing-rules-wall-street-now-topping-actively-managed-assets-in-stock-bond-and-other-funds.html#:~:text=Los%20productos%20de%20inversi\u00f3n%20pasiva%20tienen%20m\u00e1s%20tiempo%20que%20sus%20contrapartes%20gestionadas%20activamente<\/a>.<\/p>\n\n\n\n

C\u00f3mo reaccionan los millennials ante la volatilidad del mercado burs\u00e1til: https:\/\/www.ey.com\/en_gl\/wealth-asset-management\/global-wealth-research-millennial-trends<\/a><\/p>\n\n\n\n

Encuesta que analiza c\u00f3mo los millennials mantienen demasiadas de sus inversiones en efectivo: https:\/\/mybrand.schroders.com\/m\/425d7a1eb513d673\/original\/Schroders_2023_US_Retirement_Survey_Readiness_Rpt_FINAL.pdf<\/a><\/p>\n\n\n\n

El atractivo de los fondos de gesti\u00f3n activa para los millennials: https:\/\/www.ey.com\/en_gl\/wealth-asset-management\/global-wealth-research-millennial-trends<\/a><\/p>\n\n\n\n

El atractivo de las inversiones alternativas para los millennials: https:\/\/www.ey.com\/en_gl\/wealth-asset-management\/global-wealth-research-millennial-trends<\/a><\/p>\n\n\n\n

Objetivos de jubilaci\u00f3n para los millennials: https:\/\/www.bankrate.com\/investing\/millennials-investing-trends-and-stats\/<\/a><\/p>\n\n\n\n

La actitud de los millennials hacia los asesores financieros tradicionales: https:\/\/money.usnews.com\/financial-advisors\/articles\/are-millennials-rejecting-financial-advisors#:~:text=Ser\u00eda%20m\u00e1s%20exacto,por%20los%20millennials%2C%22%20que%20dicen<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 1: Invertir es f\u00e1cil y <\/em>sencillo<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo est\u00e1 extra\u00edda del libro If You Can<\/a>, escrito por William J. Bernstein.<\/p>\n\n\n\n

Cita de Warren Buffett: https:\/\/quotefancy.com\/quote\/931531\/Warren-Buffett-Investing-is-simple-but-not-easy<\/a><\/p>\n\n\n\n

Cita de John Bogle: https:\/\/www.nytimes.com\/2019\/01\/17\/business\/mutfund\/john-bogle-vanguard-investment-advice.html#:~:text=%E2%80%9CIEn%20inversiones%2C%20puedes%20conseguir%20ser%20inteligente%20con%20el%20mercado.%E2%80%9D<\/a><\/p>\n\n\n\n

Una lista de art\u00edculos revisados por expertos que apoyan las opiniones de Bogle en el sitio web de Index Fund Advisors: https:\/\/www.ifa.com\/academic-papers<\/a><\/p>\n\n\n\n

La historia de la deuda estadounidense: https:\/\/www.theatlantic.com\/business\/archive\/2012\/11\/the-long-story-of-us-debt-from-1790-to-2011-in-1-little-chart\/265185\/<\/a><\/p>\n\n\n\n

El representante cita:<\/strong><\/p>\n\n\n\n

Cita de Buffett: https:\/\/www.etmoney.com\/learn\/personal-finance\/9-lessons-in-investing-by-warren-buffett\/<\/a><\/p>\n\n\n\n

Cita de Lynch: https:\/\/www.azquotes.com\/quote\/1259336<\/a><\/p>\n\n\n\n

Cita de Malkiel: https:\/\/www.quotemaster.org\/qbdecdfbeea12088700492644075e0658<\/a><\/p>\n\n\n\n

Cita de Lewis: https:\/\/quotefancy.com\/quote\/1296513\/Michael-Lewis-Wall-Street-with-its-army-of-brokers-analysts-and-advisers-funneling<\/a><\/p>\n\n\n\n

La encuesta a los economistas puede consultarse en: https:\/\/www.fraserinstitute.org\/blogs\/economists-unanimous-index-funds-are-investing-101#:~:text=En realidad%2C%20no%20todos%20los%20economistas%20dicen,que%20est\u00e1%20muy%20seguro%20de%20ello<\/a><\/p>\n\n\n\n

Rentabilidad hist\u00f3rica anual del \u00edndice FTSE Global All Cap: research.ftserussell.com<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre VT: https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vt#performance-fees<\/a><\/p>\n\n\n\n

Rentabilidad hist\u00f3rica anual del \u00edndice ICE Bofa Merrill Lynch del Tesoro estadounidense a 1-3 a\u00f1os: https:\/\/curvo.eu\/backtest\/en\/market-index\/ice-us-treasury-1-3-year-bond?currency=eur<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre SHY: https:\/\/www.ishares.com\/us\/products\/239452\/SHY?cid=ppc:ishares_us:google:fund-names-priorities&gclid=CjwKCAjwhdWkBhBZEiwA1ibLmIMefcHtZTo98k0cZ6Lc8ZpLwKfAVGyr-OWfaf-AFby0VvxG0N6T5hoCqcYQAvD_BwE&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

Hay muchas alternativas a SHY, incluido el ETF Schwab del Tesoro de EE.UU. a Corto Plazo (SCHO). Sigue la rentabilidad total de un \u00edndice que mide la rentabilidad del mercado de bonos del Tesoro estadounidense a corto plazo. Su fecha de inicio fue el 5 de agosto de 2010. Tiene un bajo costo de administraci\u00f3n del 0.030%. A 29 de enero de 2024, gestionaba m\u00e1s de 12.000 millones de d\u00f3lares.<\/p>\n\n\n\n

Informaci\u00f3n sobre SCHO: https:\/\/www.schwabassetmanagement.com\/products\/scho<\/a>.<\/p>\n\n\n\n

Argumentos contra la diversificaci\u00f3n de los bonos extranjeros: https:\/\/retirementresearcher.com\/need-diversify-bonds\/<\/a><\/p>\n\n\n\n

Opiniones de Vanguard sobre la diversificaci\u00f3n de bonos extranjeros: https:\/\/investor.vanguard.com\/investor-resources-education\/understanding-investment-types\/why-invest-internationally#:~:text=En%20general%2C%20Vanguard%20recomienda%20que,la%20asignaci\u00f3n%20de%20bonos%20en%20bonos%20internacionales<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el IGOV: https:\/\/www.ishares.com\/us\/products\/239830\/<\/a><\/p>\n\n\n\n

Rentabilidad hist\u00f3rica de acciones y bonos: https:\/\/www.ishares.com\/us\/products\/239830\/<\/a><\/p>\n\n\n\n

La diferencia entre riesgo y volatilidad: https:\/\/www.morningstar.co.uk\/uk\/news\/227398\/whats-the-difference-between-risk-and-volatility.aspx<\/a><\/p>\n\n\n\n

Calculadora de asignaci\u00f3n de activos de Vanguard: https:\/\/investor.vanguard.com\/tools-calculators\/investor-questionnaire#modal-start-quiz<\/a><\/p>\n\n\n\n

Calculadora de asignaci\u00f3n de activos iPers: https:\/\/ipers.org\/members\/calculators\/asset<\/a><\/p>\n\n\n\n

Similitudes y diferencias entre los fondos de inversi\u00f3n indexados y los ETF: https:\/\/www.forbes.com\/advisor\/investing\/etf-vs-index-fund\/#:~:text=Uno%20de%20los%20m\u00e1s%20significativos,el%2C%20d\u00eda%20despu\u00e9s%20del%20cierre%20de%20los%20mercados<\/a>.<\/p>\n\n\n\n

Los documentos acad\u00e9micos que apoyan las opiniones de Bogle pueden encontrarse en la p\u00e1gina web de Index Fund Advisors: https:\/\/www.ifa.com\/academic-papers<\/a>.<\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 2: El Factor Factor<\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.kitces.com\/blog\/review-fact-fiction-factor-investing-aghassi-asness-fattouche-moskowitz-swedroe-persistence-timing\/.<\/p>\n\n\n\n

Informaci\u00f3n sobre el Goldman Sachs ActiveBeta U.S. Large Cap Equity ETF (GSLC): https:\/\/www.gsam.com\/content\/gsam\/us\/en\/individual\/products\/etf-fund-finder\/goldman-sachs-activebeta-u-s–large-cap-equity-etf.html#activeTab=overview<\/a><\/p>\n\n\n\n

Dimensional Fund Advisors ha sido una familia de fondos l\u00edder en el espacio basado en factores durante muchos a\u00f1os. Aqu\u00ed tienes una lista de sus fondos de inversi\u00f3n y ETF:<\/p>\n\n\n\n

https:\/\/www.dimensional.com\/us-en\/funds<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 3: Inversi\u00f3n en planes de jubilaci\u00f3n<\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/americasbest401k.com\/401k-study\/.<\/p>\n\n\n\n

La cita de Morningstar puede encontrarse en: https:<\/a>\/\/www.morningstar.co.uk\/uk\/news\/149421\/how-fund-fees-are-the-best-predictor-of-returns.aspx.<\/p>\n\n\n\n

Estudio sobre el impacto de las elevadas comisiones en los planes de jubilaci\u00f3n: https:\/\/www.demos.org\/research\/retirement-savings-drain-hidden-excessive-costs-401ks<\/a><\/p>\n\n\n\n

Costos de administraci\u00f3n de los fondos de inversi\u00f3n de los planes ofrecidos por las mayores plataformas: chrome-extension:\/\/mhnlakgilnojmhinhkckjpncpbhabphi\/pages\/pdf\/web\/viewer.html?file=https%3A%2F%2Famericasbest401k.com%2Fwp-content%2Fuploads%2F2017%2F12%2FABk_SmallBizFees_FINAL.pdf<\/strong><\/p>\n\n\n\n

Estudio sobre las malas elecciones de inversi\u00f3n en los planes de jubilaci\u00f3n de las peque\u00f1as empresas: https:\/\/americasbest401k.com\/wp-content\/uploads\/2017\/12\/ABk_SmallBizFees_FINAL.pdf<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre las cuentas individuales tradicionales: https:\/\/www.schwab.com\/ira\/traditional-ira<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre las cuentas IRA Roth: https:\/\/www.schwab.com\/ira\/roth-vs-traditional-ira<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre los planes 401(k) individuales: https:\/\/www.nerdwallet.com\/article\/investing\/what-is-a-solo-401k<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre las cuentas IRA SEP: https:\/\/www.irs.gov\/retirement-plans\/retirement-plans-faqs-regarding-simple-ira-plans#:~:text=Un%20SIMPLE%20IRA%20plan%20proporciona,o%20cotizaciones%20o%20contribuciones%20nolectivas<\/a>.<\/p>\n\n\n\n

Informaci\u00f3n sobre las HSA: https:\/\/www.healthcare.gov\/glossary\/health-savings-account-hsa\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 4: Inversi\u00f3n socialmente responsable<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/fortune.com\/recommends\/investing\/what-is-esg-investing\/.<\/p>\n\n\n\n

Encuesta que muestra el inter\u00e9s de los millennials por las inversiones ASG: https:\/\/www.nasdaq.com\/articles\/how-millennials-and-gen-z-are-driving-growth-behind-esg<\/a><\/p>\n\n\n\n

Informaci\u00f3n general sobre la inversi\u00f3n socialmente responsable: https:\/\/www.investopedia.com\/terms\/s\/sri.asp<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el n\u00famero de fondos ESG disponibles para los inversionistas: https:\/\/www.nasdaq.com\/articles\/how-millennials-and-gen-z-are-driving-growth-behind-esg<\/a><\/p>\n\n\n\n

La cuesti\u00f3n del lavado verde: https:\/\/www.nasdaq.com\/articles\/how-millennials-and-gen-z-are-driving-growth-behind-esg<\/a><\/p>\n\n\n\n

La nueva norma de la SEC contra el lavado verde: https:\/\/www.sec.gov\/files\/rules\/final\/2023\/33-11238.pdf<\/a><\/p>\n\n\n\n

La cita atribuida a Jon Hale puede encontrarse en: https:<\/a>\/\/www.nerdwallet.com\/article\/investing\/best-esg-funds.<\/p>\n\n\n\n

Bolet\u00edn de la SEC para inversionistas sobre fondos ESG: https:\/\/www.investor.gov\/introduction-investing\/general-resources\/news-alerts\/alerts-bulletins\/investor-bulletins-1<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el \u00edndice S&P 500 ESG: https:\/\/www.spglobal.com\/spdji\/en\/indices\/esg\/sp-500-esg-index\/#overview<\/a><\/p>\n\n\n\n

Factores que contribuyen a una menor rentabilidad esperada de las inversiones ASG: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3498354<\/a><\/p>\n\n\n\n

Encuesta de la Universidad de Stanford sobre la disposici\u00f3n de los millennials a sacrificar beneficios por un bien mayor: https:\/\/www.gsb.stanford.edu\/sites\/default\/files\/publication\/pdfs\/cgri-closer-look-98-esg-investing.pdf<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el ETF de acciones estadounidenses ESG de Vanguard: https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/esgv<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre iShares ESG Aware MSCI USA ETF: https:\/\/www.ishares.com\/us\/literature\/fact-sheet\/esgu-ishares-esg-aware-msci-usa-etf-fund-fact-sheet-en-us.pdf<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el ETF ESG de Acciones Internacionales de Vanguard: https:\/\/investor.vanguard.com\/investment-products\/etfs\/profile\/vsgx<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 5: Inversiones alternativas<\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.evidenceinvestor.com\/alternative-investments-have-been-useless-since-2007\/.<\/p>\n\n\n\n

Opiniones de Goldman Sachs abogando por alternativas: https:\/\/www.gsam.com\/content\/gsam\/us\/en\/institutions\/market-insights\/gsam-insights\/2023\/allocating-to-alternatives.html<\/a><\/p>\n\n\n\n

Asignaci\u00f3n promedio de los inversionistas de alto patrimonio neto a alternativas: https:\/\/www.gsam.com\/content\/gsam\/us\/en\/institutions\/market-insights\/gsam-insights\/2023\/allocating-to-alternatives.html<\/a><\/p>\n\n\n\n

Los decepcionantes rendimientos de las inversiones alternativas: https:\/\/www.evidenceinvestor.com\/alternative-investments-have-been-useless-since-2007\/<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre los NFT: https:\/\/www.nytimes.com\/interactive\/2022\/03\/18\/technology\/nft-guide.html<\/a><\/p>\n\n\n\n

Pros y contras de las NFT: https:\/\/cryptonews.com\/news\/pros-cons-of-nfts-everything-you-need-know.htm<\/a><\/p>\n\n\n\n

Tama\u00f1o del mercado fraccional del arte: https:\/\/www.masterworks.com\/?utm_source=google+marca&utm_medium=plataforma&utm_campaign=Marca_Masterworks&utm_content=masterworks&gad=1&gclid=CjwKCAiA6byqBhAWEiwAnGCA4I6Pw60uA2Ix10DC-yUl1nHwHpc1vgzDzUXqGJ34l3P7_IuNCihTdBoCDmoQAvD_BwE&utm_flag=modo-original<\/a><\/p>\n\n\n\n

La cita atribuida al sitio web de Mariana Custodio: https:<\/a>\/\/marianacustodio.com\/the-5-biggest-art-frauds-in-contemporary-art-history\/.<\/p>\n\n\n\n

Riesgos de invertir en arte y objetos de colecci\u00f3n: https:\/\/www.investopedia.com\/articles\/personal-finance\/061815\/risks-investing-art-and-collectibles.asp#:~:text=Son%20m\u00e1s%20dif\u00edciles%20de,de%20destrucci\u00f3n%20de%20los%20activos<\/a>.<\/p>\n\n\n\n

Tama\u00f1o del mercado fraccional inmobiliario: https:\/\/fundrise.com\/acq-plus\/start?gclsrc=aw.ds&utm_source=google&utm_medium=cpc&utm_campaign=brand-849327244-47015505727-g&utm_content=435576490559-fundrise-e-c&gad_source=1&gclid=Cj0KCQiAuqKqBhDxARIsAFZELmJQss3IgmDeB5drIhB424qFvrveIq6Uamed-QmNUT8_LkvWHTzCSHMaAs3VEALw_wcB<\/a><\/p>\n\n\n\n

Ventajas e inconvenientes de invertir en bienes inmuebles: https:\/\/readwrite.com\/real-estate-investing\/<\/a><\/p>\n\n\n\n

Fraccionamiento de acciones: https:\/\/robinhood.com\/us\/en\/support\/articles\/fractional-shares\/<\/a><\/p>\n\n\n\n

Resultados financieros de Robinhood del segundo trimestre de 2023: https:\/\/investors.robinhood.com\/news\/news-details\/2023\/Robinhood-Reports-Second-Quarter-2023-Results\/default.aspx<\/a><\/p>\n\n\n\n

MusicSplit y ArtSplit: https:\/\/www.artsplit.com\/musicsplit<\/a><\/p>\n\n\n\n

Songvest:https:\/\/www.songvest.com\/?utm_source=SongVest&utm_medium=GoogleSearch&utm_campaign=LeadGen&gad_source=1&gclid=Cj0KCQiAuqKqBhDxARIsAFZELmIp9nZnUoZTnNZSyvZuTBso0nSTpMA4lWNaQQhzH-JpoS-jpH7CFb4aAgr8EALw_wcB<\/a><\/p>\n\n\n\n

Intercambio de derechos de autor: https:\/\/www.royaltyexchange.com\/instant-offer?ads_cmpid=1011106690&ads_adid=49202678785&ads_matchtype=b&ads_network=g&ads_creative=530521216211&utm_term=%2Broyalty%20%2Bexchange&ads_targetid=kwd-394969080372&utm_campaign=&utm_source=adwords&utm_medium=ppc&ttv=2&gad_source=1&gclid=Cj0KCQiAuqKqBhDxARIsAFZELmLthrWtFfOq5W00ykwiPMLQQ0G1w3PoCxK23w3yNOEI__DSWW-6kVUaArt2EALw_wcB<\/a><\/p>\n\n\n\n

Publica: https:\/\/publica.com\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 6: Suerte en la loter\u00eda<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/finance.yahoo.com\/news\/swedroe-avoid-lotterylike-investments-100030033.html.<\/p>\n\n\n\n

Probabilidades de la loter\u00eda: https:\/\/www.davidson.edu\/news\/2023\/07\/19\/magic-numbers-how-tilt-odds-winning-lottery-or-powerball-jackpot-your-favor#:~:text=Pero%20realmente%20te%20lleva%20la,(ligeramente)%20a%20tu%20favor<\/a><\/p>\n\n\n\n

Ponencia sobre el papel del cerebro en las decisiones financieras: https:\/\/www.redalyc.org\/journal\/5117\/511766757004\/html\/#:~:text=Adem\u00e1s%2C%20los%20efectos%20de%20hormonas,prevenci\u00f3n%20de%20escenarios%20financieros%20negativos<\/a><\/p>\n\n\n\n

La cartera de dopamina frente a la cartera de serotonina: https:\/\/financialpost.com\/investing\/investing-pro\/the-dopamine-portfolio-vs-the-serotonin-portfolio-do-you-know-which-one-you-have<\/a><\/p>\n\n\n\n

Aversi\u00f3n a la p\u00e9rdida: https:\/\/thedecisionlab.com\/biases\/loss-aversion<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 7: Confusi\u00f3n sobre las criptomonedas<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.investors.com\/news\/warren-buffett-bashes-bitcoin-as-gambling-token-bitcoin-price-hovers-near-30000\/.<\/p>\n\n\n\n

Debate general sobre las criptomonedas: https:\/\/www.nerdwallet.com\/article\/investing\/cryptocurrency<\/a><\/p>\n\n\n\n

Ventajas e inconvenientes de invertir en criptomonedas: https:\/\/www.forbes.com\/advisor\/in\/investing\/cryptocurrency\/advantages-of-cryptocurrency\/<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre el suministro limitado de criptomonedas: https:\/\/www.blockchain-council.org\/cryptocurrency\/how-many-bitcoins-are-left\/#:~:text=El%20suministro%20m\u00e1ximo%20de%2021,el%20proceso%20de%20Bitcoin%20minado<\/a><\/p>\n\n\n\n

Debate sobre la Bolsa FTX: https:\/\/www.investopedia.com\/ftx-exchange-5200842<\/a><\/p>\n\n\n\n

Sobre la condena de Sam Bankman-Fried: https:\/\/www.cnbc.com\/2023\/11\/02\/sam-bankman-fried-found-guilty-on-all-seven-criminal-fraud-counts.html<\/a><\/p>\n\n\n\n

Cargos presentados por la SEC contra Binance: https:\/\/www.sec.gov\/news\/press-release\/2023-101<\/a><\/p>\n\n\n\n

La declaraci\u00f3n de culpabilidad de Changpeng Zhao y el acuerdo de Binance de pagar 4.000 millones de d\u00f3lares:<\/p>\n\n\n\n

https:\/\/finance.yahoo.com\/news\/crypto-chief-pleads-guilty-money-230648934.html<\/a><\/p>\n\n\n\n

El impacto medioambiental de la miner\u00eda de criptomonedas: https:\/\/earthjustice.org\/feature\/cryptocurrency-mining-environmental-impacts#:<\/a>~:text=Top%2Down%20estimates%20of%20the<\/a>,in%20the%20U.%20in%202021<\/a> and https:\/\/www.climate.gov\/news-features\/understanding-climate\/climate-change-atmospheric-carbon-dioxide#:~:text=Sin%20di\u00f3xido%20de%20carbono%2C%20natural%20de%20laTierra,causando%20un%20aumento%20de%20la%20temperatura%20global<\/a><\/p>\n\n\n\n

La opini\u00f3n de Schwab sobre la inversi\u00f3n en criptomonedas: https:\/\/www.schwab.com\/learn\/story\/are-cryptocurrency-investments-right-you#:~:text=Bitcoin%20y%20otras%20criptomonedas%20son,su%20volatilidad%E2%80%94no%20valor%20intr\u00ednseco<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 8: Mitos de la inversi\u00f3n<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo est\u00e1 extra\u00edda de Winning the Loser\u2019s Game: Timeless Strategies for Successful Investing<\/em><\/a>, <\/em>por Charles D. Ellis.<\/p>\n\n\n\n

Los riesgos de un excesivo trading de m\u00e1rgenes: https:\/\/insights.som.yale.edu\/insights\/study-margin-trading-causes-stock-prices-to-drop-in-concert<\/a><\/p>\n\n\n\n

Los riesgos del trading diario: https:\/\/www.sciencedirect.com\/science\/article\/abs\/pii\/S1386418113000190<\/a><\/p>\n\n\n\n

The performance of gold: https:\/\/www.statista.com\/statistics\/1061434\/gold-other-assets-average-annual-returns-global\/#:~:text=Average%20annual%20return%20of%20gold%20and%20other%20assets%20worldwide%201971%2D2022&text=Between%20January%201971%20and%20December,in%202022%20was%200.4%20percent<\/a><\/p>\n\n\n\n

El p\u00e9simo historial de los fondos de gesti\u00f3n activa: https:\/\/www.spglobal.com\/spdji\/en\/spiva\/article\/spiva-us\/<\/a><\/p>\n\n\n\n

El historial del an\u00e1lisis t\u00e9cnico: https:\/\/jonathankinlay.com\/2023\/01\/why-technical-analysis-doesnt-work\/<\/a><\/p>\n\n\n\n

Los rendimientos esperados de las acciones de alta calidad: https:\/\/bookdown.org\/adam_aiken\/advinv\/factors.html<\/a><\/p>\n\n\n\n

El estudio que muestra que s\u00f3lo el 4% de las acciones explican la ganancia neta de todo el mercado burs\u00e1til estadounidense: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=2900447<\/a><\/p>\n\n\n\n

La eficiencia del mercado de valores: https:\/\/www.investopedia.com\/terms\/p\/price-efficiency.asp#:~:text=La%20eficiencia%20del%20precio%20es%20la%20creencia,est\u00e1%20en%20el%20dominio%20p\u00fablico<\/a><\/p>\n\n\n\n

La relaci\u00f3n entre los resultados pasados y los futuros: https:\/\/insights.som.yale.edu\/insights\/does-mutual-fund-s-past-performance-predict-its-future<\/a><\/p>\n\n\n\n

Extractos de libros escritos por Suze Orman y Dave Ramsey: https:\/\/www.nytimes.com\/2019\/10\/11\/business\/suze-orman-robert-kiyosaki-dave-ramsey-books.html<\/a><\/p>\n\n\n\n

Cita de inversiones Fidelity: https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-long-will-savings-last#:~:text=We%20did%20the%20math%E2%80%94looking,the%20first%20year%20of%20retirement%2C<\/a><\/p>\n\n\n\n

Art\u00edculo de James Choi: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4203061<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 9: Terribles Consecuencias<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3213334.<\/p>\n\n\n\n

Art\u00edculo del Investigador de la Jubilaci\u00f3n: https:\/\/retirementresearcher.com\/occams-ignore-the-financial-media\/<\/a>.<\/p>\n\n\n\n

Tr\u00e1gica historia de Alex Kearns: https:\/\/www.cnbc.com\/2020\/06\/18\/young-trader-dies-by-suicide-after-thinking-he-racked-up-big-losses-on-robinhood.html<\/a>.<\/p>\n\n\n\n

Estudio que correlaciona las tasas de suicidio con los descensos de los rendimientos burs\u00e1tiles: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3213334<\/a>.<\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 10: Algo tiene que cambiar<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/.<\/p>\n\n\n\n

Triste estado de los ahorros para la jubilaci\u00f3n de los trabajadores estadounidenses: https:\/\/www.ebri.org\/docs\/default-source\/rcs\/2022-rcs\/rcs_22-fs-3_prep.pdf?sfvrsn=e5c83b2f_4<\/a>.<\/p>\n\n\n\n

Incapacidad de los estadounidenses para conseguir ahorros de emergencia: https:\/\/www.bankrate.com\/banking\/savings\/emergency-savings-report\/<\/a>.<\/p>\n\n\n\n

Retos del ahorro a los que se enfrentan los millennials: https:\/\/www.napa-net.org\/news-info\/daily-news\/what-are-401k-participation-and-savings-rates-generation#:~:text=Ellos%20comenzaron%20a%20ahorrar%20a%20edad,(mediana)%20en%20ahorros%20de%20emergencia<\/a>.<\/p>\n\n\n\n

Deuda de pr\u00e9stamos estudiantiles de los millennials: https:\/\/crr.bc.edu\/wp-content\/uploads\/2021\/02\/IB_21_3-1.pdf<\/a>.<\/p>\n\n\n\n

Los millennials est\u00e1n por detr\u00e1s de los inversionistas de m\u00e1s edad en cuanto a preparaci\u00f3n para la jubilaci\u00f3n: https:\/\/www.cnbc.com\/select\/millennials-behind-other-generations-retirement-savings\/<\/a>.<\/p>\n\n\n\n

Excesiva dependencia de los estadounidenses de la Seguridad Social: https:\/\/www.ssa.gov\/news\/press\/factsheets\/basicfact-alt.pdf<\/a>.<\/p>\n\n\n\n

Costes sanitarios previstos para los jubilados: https:\/\/www.fidelity.com\/viewpoints\/personal-finance\/plan-for-rising-health-care-costs<\/a>.<\/p>\n\n\n\n

Saldos de tarjetas de cr\u00e9dito en EE.UU.: https:\/\/www.newyorkfed.org\/newsevents\/news\/research\/2023\/20230808<\/a>.<\/p>\n\n\n\n

Luchas financieras de los estadounidenses mayores: https:\/\/www.cbsnews.com\/news\/social-security-medicare-seniors-more-americans-struggling-to-pay-bills\/<\/a>.<\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 11: Un sistema manipulado<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/hbr.org\/2014\/06\/the-price-of-wall-streets-power.<\/p>\n\n\n\n

El comportamiento a largo plazo del mercado de valores: https:\/\/www.officialdata.org\/us\/stocks\/s-p-500\/1928?amount=100&endYear=2022<\/a><\/p>\n\n\n\n

Preocupaci\u00f3n por la inflaci\u00f3n: https:\/\/www.forbes.com\/advisor\/investing\/how-to-hedge-against-inflation\/<\/a><\/p>\n\n\n\n

N\u00famero de representantes registrados en EE.UU.: https:\/\/www.finra.org\/media-center\/statistics#key-industry-statistics<\/a><\/p>\n\n\n\n

Ingresos brutos de los intermediarios: https:\/\/www.sifma.org\/resources\/research\/fact-book\/<\/a><\/p>\n\n\n\n

Problemas de autorregulaci\u00f3n: https:\/\/scholars.law.unlv.edu\/cgi\/viewcontent.cgi?article=2141&context=facpub<\/a><\/p>\n\n\n\n

Responsabilidades de FINRA: https:\/\/www.finra.org\/about\/what-we-do<\/a><\/p>\n\n\n\n

La cita atribuida a Benjamin P. Edwards: https:<\/a>\/\/scholars.law.unlv.edu\/cgi\/viewcontent.cgi?article=2141&context=facpub.<\/p>\n\n\n\n

Esfuerzos de presi\u00f3n del sector de valores contra los inversionistas: https:\/\/www.citizen.org\/article\/hypnotized-by-wall-street\/<\/a><\/p>\n\n\n\n

Problemas con el arbitraje obligatorio: https:\/\/www.nytimes.com\/2016\/06\/04\/business\/dealbook\/finra-arbitration-case-offers-a-peek-into-a-murky-world.html<\/a> y https:\/\/www.nber.org\/system\/files\/working_papers\/w25150\/revisions\/w25150.rev1.pdf<\/a><\/p>\n\n\n\n

Estad\u00edsticas que muestran la falta de diversidad de los \u00e1rbitros de la FINRA: https:\/\/www.finra.org\/arbitration-mediation\/diversity<\/a><\/p>\n\n\n\n

Mi art\u00edculo sobre la posici\u00f3n de las asociaciones de consumidores sobre el arbitraje obligatorio: https:\/\/www.huffpost.com\/entry\/finra-a-wily-fox-guarding_b_403552<\/a><\/p>\n\n\n\n

La brecha del comportamiento: https:\/\/www.thebalancemoney.com\/what-is-the-behavior-gap-2388311<\/a> y https:\/\/www.morningstar.com\/funds\/are-you-leaving-money-table-your-funds-returns<\/a>.<\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 12: Dejar ir<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.goodreads.com\/quotes\/7588248-we-cannot-choose-our-external-circumstances-but-we-can-always.<\/p>\n\n\n\n

Estoicismo: https:\/\/iep.utm.edu\/stoicism\/<\/a><\/p>\n\n\n\n

Punto de vista del estoicismo sobre c\u00f3mo afrontar lo que podemos controlar: https:\/\/medium.com\/stoicism-philosophy-as-a-way-of-life\/the-importance-of-understanding-dichotomy-of-control-1f7133210c0d#:~:text=Los%20estoicos%20cre\u00edan%20que%20las%20cosas,nosotros%20dentro%20de%20una%20situaci\u00f3n%20dada<\/a><\/p>\n\n\n\n

Principio estoico de aceptaci\u00f3n del destino: https:\/\/medium.com\/stoicism-philosophy-as-a-way-of-life\/the-importance-of-understanding-dichotomy-of-control-1f7133210c0d#:~:text=Los%20estoicos%20cre\u00edan%20que%20las%20cosas,nos%20dentro%20de%20una%20situaci\u00f3n%20dada<\/a><\/p>\n\n\n\n

Cuatro virtudes estoicas: https:\/\/dailystoic.com\/4-stoic-virtues\/<\/a><\/p>\n\n\n\n

Inteligencia emocional y estoicismo: https:\/\/medium.com\/stoicism-philosophy-as-a-way-of-life\/emotional-intelligence-and-stoicism-9f75b91427ec#:~:text=Si%20estamos%20enfadados%2C%20hurt,nutshell%2C%20it%20teaches%20Emotional%20Intelligence<\/a><\/p>\n\n\n\n

Cita de Lucio Anneo S\u00e9neca: https:\/\/dailystoic.com\/time-management\/#:~:text=La%20cantidad%20de%20tiempo%20que%20tenemos,es%20nuestro%20recurso%20m\u00e1s%20valioso<\/a><\/p>\n\n\n\n

Cita de Viktor Frankl: https:\/\/dailystoic.com\/amor-fati\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 13: El poder de la perspectiva<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/epgwealth.com.au\/what-is-the-power-of-perspective-when-investing\/#:~:text=Aunque%20pueda%20ser%20tentador, s\u00e9%20disciplinado%20con%20tu%20estrategia%20de%20inversi\u00f3n<\/a>.<\/p>\n\n\n\n

Cita de Warren Buffett: https:\/\/www.trading212.com\/learn\/investing-101\/active-vs-passive-investing<\/a><\/p>\n\n\n\n

Encuesta a los miembros de la Asociaci\u00f3n de Planificaci\u00f3n Financiera: https:\/\/www.financialplanningassociation.org\/sites\/default\/files\/2021-03\/AUG09%20The%20Changing%20Role%20of%20the%20Financial%20Planner%20Part%201%20From%20Financial%20Analytics%20to%20Coaching%20and%20Life%20Planning.pdf<\/a><\/p>\n\n\n\n

Estudio sobre las emociones: https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC8228195\/#:~:text=Las%20emociones%20surgen%20de%20activaciones%20del,n\u00facleo%2C%20y%20\u00e1rea%20ventral%20tegmental%20<\/a>.<\/p>\n\n\n\n

Secuestro de la am\u00edgdala: https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC8228195\/#:~:text=Las%20emociones%20surgen%20de%20activaciones%20del,n\u00facleo%2C%20y%20\u00e1rea%20ventral%20tegmental%20<\/a>.<\/p>\n\n\n\n

El poder de nombrar las emociones: https:\/\/mindfulness.com\/mindful-living\/name-it-to-tame-it<\/a><\/p>\n\n\n\n

Informaci\u00f3n sobre los mercados alcistas y bajistas: https:\/\/www.hartfordfunds.com\/practice-management\/client-conversations\/managing-volatility\/bear-markets.html#:~:text=Un%20mercado%20bajista%20no,15%20recesiones%20durante%20ese%20tiempo.&text=Los%20mercados%20bajistas%20a menudo%20van%20acompa\u00f1ados,significan%20que%20se%20proxima%20una%20recesi\u00f3n%20<\/a>.<\/p>\n\n\n\n

Rentabilidad hist\u00f3rica del \u00edndice S&P 500: https:\/\/awealthofcommonsense.com\/2022\/12\/how-often-is-the-market-down-in-consecutive-years\/#:~:text=Desde%201928%2C%20el%20S%26P%20500,time%20following%20a%20down%20year<\/a>.<\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 14: No mires<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.cnbc.com\/select\/how-often-should-you-check-your-investment-portfolio\/.<\/p>\n\n\n\n

Citas atribuidas a Marco Aurelio: https:\/\/donaldrobertson.name\/2020\/07\/31\/the-stoics-on-how-to-stop-doing-things\/<\/a><\/p>\n\n\n\n

El efecto dotaci\u00f3n: https:\/\/thedecisionlab.com\/biases\/endowment-effect?&adw=true&utm_campaign=21+Biases+-+Endowment+Effect&utm_medium=ppc&utm_source=adwords&utm_term=endowment%20effect&hsa_mt=b&hsa_net=adwords&hsa_ad=500704987890&hsa_src=g&hsa_cam=12413028140&hsa_kw=endowment%20effect&hsa_grp=121913746767&hsa_tgt=kwd-295792238609&hsa_ver=3&hsa_acc=8441935193&gad=1&gclid=CjwKCAjw2K6lBhBXEiwA5RjtCQqi-Sy3940_t7fm2cQ-AB5JXz7yx6xEzyfbhSsgVnumPVvSSll71hoC-QsQAvD_BwE<\/a><\/p>\n\n\n\n

Sesgo<\/a> de informaci\u00f3n: https:\/\/www.miraeassetmf.co.in\/knowledge-center\/information-bias#:~:text=El%20sesgo%20de%20informaci\u00f3n%20es%20la%20tendencia,a%20no%20tener%20informaci\u00f3n%20suficiente<\/a><\/p>\n\n\n\n

Efectos nocivos de un exceso de cortisol: https:\/\/www.miraeassetmf.co.in\/knowledge-center\/information-bias#:~:text=La%20de%20informaci\u00f3n%20es%20la%20tendencia,no%20ten\u00eda%20informaci\u00f3n%20suficiente<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 15: La inactividad magistral<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/leomax89.medium.com\/kindle-highlights-from-berkshire-hathaway-letters-to-shareholders-1965-2018-by-warren-buffet-8c1b86cbc00.<\/p>\n\n\n\n

El enfoque de los estoicos sobre los pensamientos, las creencias y las acciones: https:\/\/www.linkedin.com\/pulse\/from-fear-fearless-stoic-philosophy-managing-anxiety-goodman-ph-d-\/<\/a><\/p>\n\n\n\n

Cita de Bogle: https:\/\/www.forbes.com\/sites\/chrisbarth\/2011\/08\/09\/bogle-to-investors-dont-do-something-stand-there\/?sh=79f734862b47<\/a><\/p>\n\n\n\n

El peligro del market timing: https:\/\/www.hartfordfunds.com\/practice-management\/client-conversations\/managing-volatility\/timing-the-market-is-impossible.html<\/a><\/p>\n\n\n\n

2022 p\u00e9rdida de valor del VT: https:\/\/finance.yahoo.com\/quote\/VT\/history\/<\/a><\/p>\n\n\n\n

2022 p\u00e9rdida de valor de SHY: https:\/\/finance.yahoo.com\/quote\/SHY\/performance\/<\/a><\/p>\n\n\n\n

Prejuicio de recencia: https:\/\/www.scribbr.com\/research-bias\/recency-bias\/#:~:text=El%20prejuicio%20de%20recencia%20es%20la%20tendencia,c\u00f3mo%20se%20desvelar\u00e1%20el%20futuro%20<\/a>.<\/p>\n\n\n\n

Comportamiento de reba\u00f1o: https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC2827453\/#:~:text=El%20reba\u00f1o%20puede%20definirse%20como,de%20su%20propia%2C%20informaci\u00f3n%20privada<\/a>.<\/p>\n\n\n\n

Estudio sobre el impacto del estr\u00e9s en los Traders de Londres: https:\/\/www.reuters.com\/article\/uk-science-stress-markets\/trader-stress-hormones-may-exacerbate-financial-market-crises-idUKLNEA1H00G20140218\/<\/a><\/p>\n\n\n\n

Sesgo de confirmaci\u00f3n: https:\/\/www.wallstreetmojo.com\/confirmation-bias-examples\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 16: No te dejes intimidar<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/thefinancebuff.com\/tax-efficient-asset-placement-difference.html.<\/p>\n\n\n\n

Puntos de vista de los estoicos sobre la simplicidad: https:\/\/dailystoic.com\/4-stoic-virtues\/#:~:text=Los%20estoicos%20rehuyen%20la%20complejidad%20y,templanza%2C%20sabidur\u00eda%2C%20y%20justicia<\/a>.<\/p>\n\n\n\n

Discusi\u00f3n sobre el reequilibrio: https:\/\/www.investopedia.com\/investing\/rebalance-your-portfolio-stay-on-track\/#:~:text=\u00bfPor qu\u00e9%20se%20reequilibra%20tu%20cartera,perfil%20de%20riesgo%20de%20tu%20cartera<\/a>.<\/p>\n\n\n\n

Cita de John Bogle: https:\/\/www.morningstar.com\/articles\/615379\/bogle-be-sensible-about-rebalancing<\/a><\/p>\n\n\n\n

Discusi\u00f3n sobre la cosecha de<\/a> p\u00e9rdidas fiscales: https:\/\/www.fidelity.com\/viewpoints\/personal-finance\/tax-loss-harvesting#:~:text=Tax%2Dloss%20harvesting%20allows%20you,invested%20and%20working%20for%20you<\/a>.<\/p>\n\n\n\n

Regla de la “venta lavada”: https:\/\/www.fidelity.com\/learning-center\/personal-finance\/wash-sales-rules-tax<\/a>.<\/p>\n\n\n\n

Discusi\u00f3n de la compensaci\u00f3n de 3.000 $ de los ingresos imponibles: https:\/\/www.schwab.com\/learn\/story\/how-to-cut-your-tax-bill-with-tax-loss-harvesting<\/a><\/p>\n\n\n\n

Debate sobre la ubicaci\u00f3n de los activos: https:\/\/www.whitecoatinvestor.com\/asset-location\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 17: Ignora a los expertos desnudos<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4390165.<\/p>\n\n\n\n

Cita atribuida a S\u00e9neca: https:\/\/www.stoicsimple.com\/stoic-quotes-on-uncertainty-the-best-stoicism-sayings-phrases\/<\/a><\/p>\n\n\n\n

Estudio sobre la precisi\u00f3n de las previsiones burs\u00e1tiles: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=4390165<\/a><\/p>\n\n\n\n

Previsi\u00f3n media para 2008 de los “expertos” de Wall Street: https:\/\/www.nytimes.com\/2019\/12\/23\/business\/retirement\/index-fund-investing.html<\/a><\/p>\n\n\n\n

Efecto Halo: https:\/\/www.valuewalk.com\/halo-effect-bias\/<\/a><\/p>\n\n\n\n

Tendencia a atribuir rasgos positivos a las personas atractivas: https:\/\/link.springer.com\/article\/10.1007\/s12144-022-03575-0#:~:text=La%20investigaci\u00f3n%20ha%20descubierto%20que%20la%20atractividad,la%mayor%20investigaci\u00f3n%20utiliza%20muestras%20occidentales<\/a>.<\/p>\n\n\n\n

Heur\u00edstica de disponibilidad: https:\/\/www.researchgate.net\/publication\/228419434_The_Availability_Heuristic_and_Investors’_Reacci\u00f3n_a_eventos_espec\u00edficos_de_la_empresa<\/a><\/p>\n\n\n\n

Impacto de la heur\u00edstica de disponibilidad en las decisiones de inversi\u00f3n: https:\/\/www.investopaper.com\/news\/availability-heuristic\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 18: No busques patrones<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.linkedin.com\/pulse\/life-mars-money-tricks-our-brains-play-mitch-tuchman\/.<\/p>\n\n\n\n

Opiniones de los estoicos sobre la b\u00fasqueda de patrones falsos: https:\/\/dailystoic.com\/self-sufficiency-the-ultimate-stoic-virtue\/<\/a><\/p>\n\n\n\n

Imprevisibilidad de los movimientos de las cotizaciones burs\u00e1tiles: https:\/\/www.aaii.com\/journal\/article\/stock-price-movements-are-unpredictable<\/a><\/p>\n\n\n\n

Estudio sobre los or\u00edgenes evolutivos de la b\u00fasqueda de patrones: https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC4141622\/<\/a><\/p>\n\n\n\n

Estudio que demuestra nuestro esfuerzo subconsciente por encontrar patrones: https:\/\/www.ncbi.nlm.nih.gov\/pmc\/articles\/PMC3749823\/<\/a><\/p>\n\n\n\n

C\u00f3mo estamos programados para encontrar patrones: https:\/\/www.psychologytoday.com\/us\/blog\/singular-perspective\/202105\/why-the-human-brain-is-so-good-detecting-patterns<\/a><\/p>\n\n\n\n

Discusi\u00f3n sobre la apofenia: https:\/\/psychcentral.com\/lib\/patterns-the-need-for-order#examples<\/a><\/p>\n\n\n\n

Impacto en tu cerebro del simple hecho de etiquetar algo: https:\/\/www.wildpeace.org\/name-it-to-tame-it-reframe#:~:text=LaInvestigaci\u00f3n%20ha%20descubierto%20que%20etiquetar,es%22%20explicar%20este%20fen\u00f3meno<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 19: El amor verdadero<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.fidelity.com\/viewpoints\/financial-basics\/financial-stability-and-love.<\/p>\n\n\n\n

Debate sobre las elevadas tasas de pobreza de las viudas: https:\/\/www.ssa.gov\/policy\/docs\/ssb\/v65n3\/v65n3p31.html#:~:text=Las%20tasas%20de%20pobreza%20de%20viudas%20disminuyen,una%20vez%20que%20llegan%20a%20los%2080a\u00f1os.<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 20: El esc\u00e1ndalo y la realidad<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.tataaia.com\/blogs\/life-insurance\/what-are-the-advantages-and-disadvantages-of-financial-planning.html.<\/p>\n\n\n\n

Objetivos SMART: https:\/\/www.atlassian.com\/blog\/productivity\/how-to-write-smart-goals<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 21: El an\u00e1lisis de Montecarlo puede utilizarse mal<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/www.linkedin.com\/posts\/michaelkitces_why-i-advocate-the-use-of-monte-carlo-analysis-activity-7024814064639836160-AKJP\/.<\/a><\/p>\n\n\n\n

Origen del nombre de la simulaci\u00f3n Monte Carlo: https:\/\/www.ibm.com\/topics\/monte-carlo-simulation#:~:text=El%20M\u00e9todo%20Monte%20Carlo%20fue,a%20un%20juego%20de%20roulette<\/a><\/p>\n\n\n\n

Simulaci\u00f3n Monte Carlo: https:\/\/corporatefinanceinstitute.com\/resources\/financial-modeling\/monte-carlo-simulation\/<\/a><\/p>\n\n\n\n

Estudio sobre el rendimiento de distintos modelos de Montecarlo: https:\/\/www.kitces.com\/blog\/monte-carlo-models-simulation-forecast-error-brier-score-retirement-planning\/<\/a><\/p>\n\n\n\n

Ventajas de utilizar una simulaci\u00f3n de Montecarlo en la modelizaci\u00f3n financiera: https:\/\/finmodelslab.com\/blogs\/blog\/monte-carlo-simulation-financial-modelling<\/a><\/p>\n\n\n\n

Herramienta de simulaci\u00f3n Monte Carlo proporcionada por Portfolio Visualizer: https:\/\/www.portfoliovisualizer.com\/monte-carlo-simulation<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 22: Coraje empresarial<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.goodreads.com\/quotes\/451403-whenever-you-see-a-successful-business-someone-once-made-a.<\/p>\n\n\n\n

Estudio sobre el esp\u00edritu empresarial y los millennials: https:\/\/startupnation.com\/start-your-business\/state-entrepreneurship-millennials\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 23: \u00bfCu\u00e1nto es suficiente?<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se puede encontrar en: https:\/\/www.bankrate.com\/retirement\/how-much-to-save-for-retirement\/#:~:text=salvar%20peque\u00f1as%20cantidades.-,Regla%204%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20de%20<\/a>.<\/p>\n\n\n\n

Historia de Olive Swindells: https:\/\/www.latimes.com\/archives\/la-xpm-1995-12-28-mn-18717-story.html<\/a><\/p>\n\n\n\n

Historia de Ronald Read: https:\/\/finance.yahoo.com\/news\/janitor-vermont-amassed-8m-fortune-140000770.html#:~:text=Read%2C%20a%20retired%20gas%20station,much%20of%20Read’s%20local%20community<\/a><\/p>\n\n\n\n

Pautas de Fidelity sobre cu\u00e1nto debes ahorrar para la jubilaci\u00f3n: https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire<\/a><\/strong><\/p>\n\n\n\n

Directrices de Fidelity sobre cu\u00e1nto gastar\u00e1s durante la jubilaci\u00f3n: https:\/\/www.fidelity.com\/viewpoints\/retirement\/spending-in-retirement#:~:text=Espera%20gastar%2055%25%E2%80%9380,ingresos%actuales%20anuales%20en%20jubilaci\u00f3n<\/a><\/p>\n\n\n\n

Calculadora de esperanza de vida de la Administraci\u00f3n de la Seguridad Social: https:\/\/www.ssa.gov\/oact\/population\/longevity.html<\/a><\/p>\n\n\n\n

La calculadora de centenarios de Nueva Inglaterra: https:\/\/www.bumc.bu.edu\/centenarian\/<\/a><\/p>\n\n\n\n

Tasas de inflaci\u00f3n en EE.UU. de 1960 a 2022: https:\/\/www.worlddata.info\/america\/usa\/inflation-rates.php#:~:text=Durante%20el%20periodo%20de%20observaci\u00f3n%20de,a\u00f1o%20la%20tasa%20de%20inflaci\u00f3n%20fue%204,0%25<\/a><\/p>\n\n\n\n

Tasas de inflaci\u00f3n en la \u00faltima d\u00e9cada: https:\/\/www.forbes.com\/sites\/qai\/2023\/01\/02\/is-inflation-high-compared-to-years-past-breaking-down-inflation-rates-by-year\/?sh=1817f2d6d7a2<\/a><\/p>\n\n\n\n

Los gastos de salud y la educaci\u00f3n como motores de la inflaci\u00f3n a largo plazo: https:\/\/thehill.com\/opinion\/finance\/591995-health-care-and-higher-education-key-drivers-of-long-term-inflation\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 24: El papel de la gratitud<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.wealth-mode.com\/blog\/how-gratitude-helps-you-retire-early.<\/p>\n\n\n\n

Cita de Marco Aurelio: https:\/\/dailystoic.com\/gratitude\/<\/a><\/p>\n\n\n\n

Estudio sobre la relaci\u00f3n entre la gratitud y el bienestar subjetivo: https:\/\/www.wealth-mode.com\/blog\/how-gratitude-helps-you-retire-early<\/a><\/p>\n\n\n\n

Cita de Robert A. Emmons: https:\/\/www.nytimes.com\/2023\/06\/08\/well\/mind\/gratitude-health-benefits.html<\/a><\/p>\n\n\n\n

Beneficios de la gratitud para la salud: https:\/\/news.umich.edu\/be-grateful-it-may-improve-your-health\/<\/a><\/p>\n\n\n\n

Debate sobre c\u00f3mo la gratitud puede ayudar a nuestras finanzas: https:\/\/www.ig.ca\/en\/insights\/how-gratitude-can-help-your-finances<\/a><\/p>\n\n\n\n

Teor\u00eda hed\u00f3nica de la cinta de correr: https:\/\/positivepsychology.com\/hedonic-treadmill\/<\/a><\/p>\n\n\n\n

Teor\u00eda del nivel de adaptaci\u00f3n: https:\/\/link.springer.com\/referenceworkentry\/10.1007\/978-94-007-0753-5_25<\/a><\/p>\n\n\n\n

Explicaci\u00f3n de la dopamina: https:\/\/www.webmd.com\/mental-health\/what-is-dopamine<\/a><\/p>\n\n\n\n

Papel de la dopamina en la recompensa: https:\/\/www.sciencedirect.com\/science\/article\/abs\/pii\/S0165017398000198<\/a><\/p>\n\n\n\n

Teor\u00eda de la comparaci\u00f3n social: https:\/\/positivepsychology.com\/social-comparison\/#:~:text=En lugar%20del%20efecto%20deseado,posteriormente%20desarrollamos%20baja%20autoestima%2D<\/a><\/p>\n\n\n\n

Impacto perjudicial de la comparaci\u00f3n social: https:\/\/psycnet.apa.org\/record\/1993-16069-001<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 25: Una trampa para incautos<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en https:\/\/retirementresearcher.com\/navigating-one-greatest-risks-retirement-income-planning\/<\/a>.<\/p>\n\n\n\n

Riesgo de secuencia de rendimientos, incluido el ejemplo proporcionado: https:\/\/www.schwab.com\/learn\/story\/timing-matters-understanding-sequence-returns-risk<\/a><\/p>\n\n\n\n

Historical stock market returns: https:\/\/www.officialdata.org\/us\/stocks\/s-p-500\/1926#:~:text=Stock%20market%20returns%20since%201926&text=This%20is%20a%20return%20on,%2C%20or%206.96%25%20per%20year<\/a>.<\/p>\n\n\n\n

Rentabilidad anual del \u00edndice S&P 500: https:\/\/www.slickcharts.com\/sp500\/returns<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 26: Suavizar los ahorros<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.bls.gov\/careeroutlook\/2013\/fall\/art02.pdf.<\/p>\n\n\n\n

Objetivos de ahorro recomendados por Fidelity: https:\/\/www.fidelity.com\/viewpoints\/retirement\/how-much-do-i-need-to-retire<\/a><\/p>\n\n\n\n

La historia de Grace Groner: https:\/\/www.gronerfoundation.com\/grace-s-story<\/a><\/p>\n\n\n\n

La f\u00e1bula del tablero de ajedrez y el grano de arroz: https:\/\/tanggram.medium.com\/the-magic-of-compound-interest-7f4d6ca4583b#:~:text=%E2%80%9COh%20emperador%2C%20mis%20deseos%20son,granos%20como%20el%20cuadrado%20antes.%E2%80%9D<\/a><\/p>\n\n\n\n

Hip\u00f3tesis del ciclo vital: https:\/\/www.richmondfed.org\/publications\/research\/econ_focus\/2016\/q3-4\/jargon_alert<\/a><\/p>\n\n\n\n

Opini\u00f3n contraria sobre la suavizaci\u00f3n del consumo: https:\/\/www.whitecoatinvestor.com\/consumption-smoothing-is-stupid\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 27: Presupuestos modernos<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/finlit.yale.edu\/planning\/budgeting-and-goal-setting.<\/p>\n\n\n\n

Sitio web de Necesitas un presupuesto: https:\/\/www.ynab.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Empower: https:\/\/www.empower.com\/empower-personal-wealth-transition?utm_medium=cpc&utm_source=google&utm_campaign=pcc_us_ggl_sem_branded_general_des_exact_all_all_all&utm_content=tools&utm_device=c&utm_term=personal%20capital%20budgeting&gad_source=1&gclid=CjwKCAi<\/a><\/p>\n\n\n\n

P\u00e1gina web de PocketGuard: https:\/\/pocketguard.com\/<\/a><\/p>\n\n\n\n

50-30-20 Rule: https:\/\/www.unfcu.org\/guides\/the-50-30-20-rule\/#:~:text=The%2050%2D30%2D20%20rule%20recommends%20putting%2050%25%20of,closer%20look%20at%20each%20category<\/a><\/p>\n\n\n\n

Cuentas de ahorro de salud (HSA): https:\/\/www.healthcare.gov\/glossary\/health-savings-account-hsa\/<\/a><\/p>\n\n\n\n

Cuentas de gastos flexibles (FSA): https:\/\/www.healthcare.gov\/have-job-based-coverage\/flexible-spending-accounts\/<\/a><\/p>\n\n\n\n

Los m\u00e9todos de la bola de nieve y la avalancha de deudas para reducir las deudas: https:\/\/www.advantageccs.org\/blog\/which-debt-to-pay-off-first-debt-snowball-method-vs-debt-avalanche-method\/?refppc=grant&kw=&creative=656463683405&gad_source=1&gclid=CjwKCAiA3aeqBhBzEiwAxFiOBs4MGvKnNeapdmhoHU98yJkcSwi7dMrB8PrXBzM7ymCdXWixiA0r4BoChiEQAvD_BwE<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 28: Acaba con los pr\u00e9stamos estudiantiles<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/dfpi.ca.gov\/2023\/02\/13\/student-loan-debt-a-disproportionate-burden-on-black-and-latino-borrowers\/#:~:text=Millones%20de%20estadounidenses%20est\u00e1n%20afectados,el%20mayor%20mercado%20de%20consumidores%20despu\u00e9s%20de%20hipotecas<\/a>.<\/p>\n\n\n\n

Deuda promedio de pr\u00e9stamos a estudiantes: https:\/\/educationdata.org\/average-student-loan-debt#:~:text=La%20media%20de%20pr\u00e9stamos%20federales%20a estudiantes,ellos%20tienen%20deuda%20federal%20de pr\u00e9stamos<\/a><\/p>\n\n\n\n

Tasas de inter\u00e9s de los pr\u00e9stamos a estudiantes: https:\/\/www.bankrate.com\/loans\/student-loans\/current-interest-rates\/<\/a><\/p>\n\n\n\n

Sitio web de Ayuda Federal para Estudiantes: https:\/\/studentaid.gov\/<\/a><\/p>\n\n\n\n

Plan de amortizaci\u00f3n SAVE: https:\/\/studentaid.gov\/announcements-events\/save-plan<\/a><\/p>\n\n\n\n

La Ley de Asignaciones Consolidadas de 2023 y c\u00f3mo afecta a los pr\u00e9stamos estudiantiles: https:\/\/www.sequoia.com\/2023\/01\/student-loan-legislation-what-employers-need-to-know\/<\/a><\/p>\n\n\n\n

Ley SECURE 2.0 de 2022: https:\/\/www.bloomberglaw.com\/external\/document\/XAUSB4C8000000\/retirement-benefits-professional-perspective-secure-2-0-matching<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 29: Trucos fiscales<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.nerdwallet.com\/article\/taxes\/tax-planning.<\/p>\n\n\n\n

Longitud del c\u00f3digo fiscal de EE.UU.: https:\/\/www.vox.com\/policy-and-politics\/2017\/3\/29\/15109214\/tax-code-page-count-complexity-simplification-reform-ways-means<\/a><\/p>\n\n\n\n

Aspectos b\u00e1sicos de la planificaci\u00f3n fiscal: https:\/\/www.nerdwallet.com\/article\/taxes\/tax-planning<\/a><\/p>\n\n\n\n

Importancia de la planificaci\u00f3n fiscal: https:\/\/www.bctax.com\/blog\/the-importance-of-tax-planning\/#:~:text=Con%20una%20planificaci\u00f3n fiscal%20adecuada%2C%20t\u00fa,creas%20tu%20plan%20financiero<\/a><\/p>\n\n\n\n

Estrategias de planificaci\u00f3n fiscal de fin de a\u00f1o: https:\/\/www.abipcpa.com\/year-end-tax-planning-strategies-for-individuals\/#:~:text=General%20tax%20planning%20strategies%20for,charitable%20gifts%2C%20and%20retirement%20planning<\/a><\/p>\n\n\n\n

Fondos asesorados por donantes: https:\/\/www.fidelitycharitable.org\/guidance\/philanthropy\/what-is-a-donor-advised-fund.html?immid=PCD&account=GOOGLE&campaign=Donante+Asesorado+Primer&adgroup=Donante+Asesorado&gad_source=1&gclid=CjwKCAiA8NKtBhBtEiwAq5aX2HxPpXcBzBk-4qBV3yJwqeS90aL3Ka-VTnAiXhcAul3z-H2pUw_7ohoCaZsQAvD_BwE&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

Requisitos para ser CPA: https:\/\/www.accounting.com\/careers\/cpa\/how-to-become\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de CPAverify: https:\/\/cpaverify.org\/<\/a><\/p>\n\n\n\n

P\u00e1gina web del Instituto Americano de CPA: https:\/\/www.aicpa-cima.com\/home<\/a> Credencial de Especialista en Finanzas Personales: https:\/\/us.aicpa.org\/membership\/join\/pathway-pfs-credential.html<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 30: Carencias<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/money.usnews.com\/investing\/investing-101\/articles\/2018-08-20\/6-ways-to-fix-a-retirement-savings-shortfall.<\/p>\n\n\n\n

Costos de las casas min\u00fasculas: https:\/\/www.rocketmortgage.com\/learn\/how-much-does-a-tiny-house-cost#:~:text=El%20coste%20medio%20de%20una%20casa,atrapado%20en%20el%20ahorro<\/a><\/p>\n\n\n\n

Debate sobre los lugares m\u00e1s baratos para jubilarse en el extranjero: https:\/\/money.usnews.com\/money\/retirement\/baby-boomers\/slideshows\/the-cheapest-places-to-retire-abroad-on-1-000-per-month<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 31: Riesgos asegurables<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.cfainstitute.org\/en\/membership\/professional-development\/refresher-readings\/risk-management-individuals.<\/p>\n\n\n\n

Discusi\u00f3n sobre cu\u00e1nto seguro de vida necesitas: https:\/\/www.investopedia.com\/articles\/pf\/06\/insureneeds.asp#:~:text=LaMayor\u00eda%de%20compa\u00f1\u00edas%20de%20seguros%20dice%20a,un,ni\u00f1o%20por encima%20de%2010x%20cantidad<\/a><\/p>\n\n\n\n

Estad\u00edsticas sobre cuidados de larga duraci\u00f3n: https:\/\/www.aplaceformom.com\/senior-living-data\/articles\/long-term-care-statistics<\/a><\/p>\n\n\n\n

Debate sobre la calificaci\u00f3n de las compa\u00f1\u00edas de seguros: https:\/\/trustlayer.io\/resources\/why-does-your-insurance-companys-rating-matter<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 32: Un secreto alucinante sobre el seguro de vida<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.dfs.ny.gov\/apps_and_licensing\/insurance_companies\/faqs\/regulation_194.<\/p>\n\n\n\n

Lista de asesores de seguros por honorarios: https:\/\/www.glenndaily.com\/links.htm<\/a><\/p>\n\n\n\n

Debate sobre las comisiones de los seguros de vida: https:\/\/theinsuranceproblog.com\/life-insurance-commission-a-great-evil-according-to-the-internet\/<\/a><\/p>\n\n\n\n

Las ilustraciones de las p\u00f3lizas de seguros fueron facilitadas por Chuck Hinners.<\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 33: Riesgos no asegurables<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/www.investopedia.com\/terms\/u\/uninsurable-risk.asp#:~:text=Key%20Takeaways-,El%20riesgo%20no%20asegurable%20es%20una%20condici\u00f3n%20que%20implica%20un%20conocimiento%20o,como%20cobertura%20de%20penalidades%20delictivas<\/a>.<\/p>\n\n\n\n

Impacto potencial de la inteligencia artificial en los puestos de trabajo: https:\/\/www.bbc.com\/news\/technology-65102150<\/a><\/p>\n\n\n\n

Anualidades: https:\/\/institutional.vanguard.com\/insights-and-research\/report\/annuities-and-tdfs-what-is-the-right-approach.html<\/a><\/p>\n\n\n\n

Anualidades fijas en: https:\/\/www.forbes.com\/advisor\/retirement\/fixed-vs-index-annuity\/<\/a><\/p>\n\n\n\n

Rentas variables: https:\/\/www.investor.gov\/introduction-investing\/investing-basics\/investment-products\/insurance-products\/variable-annuities<\/a><\/p>\n\n\n\n

Rentas indexadas: https:\/\/www.fidelity.com\/viewpoints\/retirement\/considering-indexed-annuities<\/a><\/p>\n\n\n\n

Cita de FINRA: https:\/\/www.finra.org\/investors\/insights\/complicated-risks-and-rewards-indexed-annuities<\/a><\/p>\n\n\n\n

Ofertas de anualidades de Massachusetts Mutual Life Insurance Company: https:\/\/www.finra.org\/investors\/insights\/complicated-risks-and-rewards-indexed-annuities<\/a><\/p>\n\n\n\n

Ofertas de anualidades de USAA Life Insurance Company: https:\/\/www.usaa.com\/inet\/wc\/insurance_annuities_main?SearchRanking=1&SearchLinkPhrase=annuities<\/a><\/p>\n\n\n\n

Ofertas de anualidades New York Life Insurance Company: https:\/\/www.newyorklife.com\/products\/investments\/annuities<\/a> Ofertas de anualidades de TIAA-CREF Life Insurance Company: https:\/\/www.tiaa.org\/public\/retire\/financial-products\/annuities\/annuitization<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

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Cap\u00edtulo 34: \u00bfCompra o alquiler?<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.nar.realtor\/newsroom\/middle-income-homeowners-gained-more-than-120000-in-wealth-over-the-past-decade-from-home-appreciation.<\/p>\n\n\n\n

Cantidad que gasta el sector inmobiliario en grupos de presi\u00f3n: https:\/\/www.opensecrets.org\/industries\/lobbying.php?cycle=All&ind=f10<\/a><\/p>\n\n\n\n

Relaci\u00f3n precio\/alquiler y su impacto en la decisi\u00f3n “comprar o alquilar”: https:\/\/smartasset.com\/data-studies\/price-to-rent-ratio-in-the-50-largest-us-cities-2022<\/a><\/p>\n\n\n\n

Opini\u00f3n de los expertos sobre el alquiler si te vas a mudar en 5 a\u00f1os o menos: https:\/\/www.cnbc.com\/2015\/08\/04\/what-to-know-about-renting-versus-buying-a-home.html<\/a><\/p>\n\n\n\n

Encuesta sobre Finanzas de los Consumidores de la Reserva Federal: https:\/\/papers.ssrn.com\/sol3\/papers.cfm?abstract_id=3716339<\/a><\/p>\n\n\n\n

Estudio de la Universidad de Harvard sobre el impacto de la propiedad de la vivienda en la acumulaci\u00f3n de riqueza entre las familias con rentas m\u00e1s bajas y las minor\u00edas: https:\/\/www.researchgate.net\/publication\/290015954_Is_homeownership_still_an_effective_means_of_building_wealth_for_low-income_and_minority_households<\/a><\/p>\n\n\n\n

Opini\u00f3n negativa de algunos asesores patrimoniales hacia la vivienda en propiedad: https:\/\/www.cnbc.com\/2019\/04\/18\/wealth-manager-buying-a-home-is-usually-a-terrible-investment.html<\/a><\/p>\n\n\n\n

Comparaci\u00f3n de la rentabilidad burs\u00e1til con la revalorizaci\u00f3n de la vivienda en propiedad: https:\/\/www.investopedia.com\/ask\/answers\/052015\/which-has-performed-better-historically-stock-market-or-real-estate.asp<\/a><\/p>\n\n\n\n

\u00cdndice utilizado para realizar los ajustes del tipo de inter\u00e9s de las hipotecas de tipo variable: https:\/\/journalistsresource.org\/economics\/adjustable-rate-mortgages-explainer\/<\/a><\/p>\n\n\n\n

Predominio de las hipotecas a tipo fijo: https:\/\/www.nber.org\/papers\/w24446<\/a><\/p>\n\n\n\n

Preferencia por un plazo de 30 a\u00f1os para las hipotecas a tipo fijo: https:\/\/www.debt.org\/real-estate\/mortgages\/30-year-fixed\/#:~:text=Con%20todo%20este%20impulso%20,respaldado%20hipoteca%2Dguarante%20Freddie%20Mac<\/a><\/p>\n\n\n\n

Ventajas e inconvenientes de las hipotecas a tipo fijo y variable: https:\/\/www.bankrate.com\/mortgages\/arm-vs-fixed-rate\/<\/a><\/p>\n\n\n\n

L\u00edmites t\u00edpicos de ajuste y duraci\u00f3n de las hipotecas de tipo variable: https:\/\/mortgageequitypartners.com\/mortgage-products\/adjustable-rate-mortgage-arm\/#:~:text=LaMayor\u00eda%20de%20ARMs%20tienen%20l\u00edmites%20de,la%20vida%20del%20pr\u00e9stamo<\/a><\/p>\n\n\n\n

Complejidad de elegir el tipo de hipoteca adecuado: https:\/\/www.nber.org\/papers\/w9759<\/a><\/p>\n\n\n\n

Investigaci\u00f3n que indica que las hipotecas de tipo variable tienden por t\u00e9rmino medio a tener tipos de inter\u00e9s m\u00e1s bajos que las hipotecas de tipo fijo: https:\/\/www.businessinsider.com\/should-i-get-adjustable-rate-mortgage-yale-economic-research-2022-11<\/a><\/p>\n\n\n\n

Opini\u00f3n del Instituto Urbano sobre los riesgos que plantean las hipotecas de inter\u00e9s variable: https:\/\/www.urban.org\/urban-wire\/should-borrowers-be-afraid-adjustable-rate-mortgages<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 35: \u00bfPagar por adelantado o no pagar por adelantado?<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/knowledge.wharton.upenn.edu\/article\/should-i-pay-off-my-mortgage-early-in-this-economy\/.<\/p>\n\n\n\n

Liquidez: https:\/\/www.thebalancemoney.com\/liquidity-definition-ratios-how-its-managed-3305939<\/a><\/p>\n\n\n\n

Ventajas e inconvenientes de pagar la hipoteca antes de la jubilaci\u00f3n: https:\/\/www.forbes.com\/sites\/kristinmckenna\/2022\/09\/26\/should-you-pay-off-your-mortgage-before-retirement\/?sh=4e7e000872ef<\/a> y https:\/\/www.schwab.com\/learn\/story\/should-you-pay-off-mortgage-before-you-retire<\/a> y: https:\/\/www.kiplinger.com\/retirement\/604813\/im-retired-should-i-pay-off-my-mortgage<\/a><\/p>\n\n\n\n

Cita del profesor Michael R. Roberts: https:\/\/knowledge.wharton.upenn.edu\/article\/should-i-pay-off-my-mortgage-early-in-this-economy\/<\/a> Cita de Kiplinger: https:\/\/www.kiplinger.com\/retirement\/604813\/im-retired-should-i-pay-off-my-mortgage<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 36: Fuerza de voluntad<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/www.heritagelawwi.com\/what-are-the-potential-consequences-of-not-having-an-estate-plan#:~:text=Sin%20un%20plan%20integral%20inmobiliario,no%20hubieras%20elegido%20t\u00fa<\/a>.<\/p>\n\n\n\n

Porcentaje de estadounidenses que no tienen testamento: https:\/\/www.caring.com\/caregivers\/estate-planning\/wills-survey\/<\/a><\/p>\n\n\n\n

Cita de Yair Dor-Ziderman: https:\/\/www.theguardian.com\/science\/2019\/oct\/19\/doubting-death-how-our-brains-shield-us-from-mortal-truth<\/a><\/p>\n\n\n\n

Estudio que muestra c\u00f3mo la mente tiene una tendencia autom\u00e1tica a evitar la conciencia de su mortalidad: https:\/\/www.sciencedirect.com\/science\/article\/abs\/pii\/S1053811919306688<\/a><\/p>\n\n\n\n

Porcentaje de mujeres que enviudan: https:\/\/www.bedelfinancial.com\/75-of-women-become-widows<\/a><\/p>\n\n\n\n

Edad media de las viudas: https:\/\/www.9and10news.com\/2019\/09\/30\/healthy-living-modern-widow\/#:~:text=Cuando%20piensas%20en%20alguien,las%20mujeres%20quedan%20viudas%20cada%20d\u00eda<\/a>.<\/p>\n\n\n\n

Tasas de mortalidad de los millennials: https:\/\/www.statista.com\/statistics\/241572\/death-rate-by-age-and-sex-in-the-us\/#:~:text=En%20los%20Estados%20Unidos%20en,de%20la%20poblaci\u00f3n%20de%20mujeres<\/a><\/p>\n\n\n\n

P\u00e1gina web del American College of Trust and Estate Counsel: https:\/\/www.actec.org\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 37: No seas un extra\u00f1o<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.gobankingrates.com\/money\/financial-planning\/how-often-you-should-review-your-financial-plan-advisor-advice\/.<\/p>\n\n\n\n

Actualizaciones del plan financiero: https:\/\/www.gobankingrates.com\/money\/financial-planning\/how-often-you-should-review-your-financial-plan-advisor-advice\/<\/a><\/p>\n\n\n\n

Qu\u00e9 incluir en una revisi\u00f3n anual de los planes financieros: https:\/\/www.investopedia.com\/articles\/financial-advisors\/021016\/top-tips-annual-client-financial-reviews.asp#:~:text=Una%20revisi\u00f3n%20anual%20debe%20ir,planificaci\u00f3n%2C%20y%20pol\u00edticas%20de%20seguros%20de%20vida<\/a>.<\/p>\n\n\n\n

Cita de Joseph Ferrari: https:\/\/www.washingtonpost.com\/lifestyle\/wellness\/procrastinate-why-stop-advice\/2021\/07\/09\/13b7dc2c-e00e-11eb-9f54-7eee10b5fcd2_story.html<\/a><\/p>\n\n\n\n

Porcentaje de los que procrastinan en alg\u00fan grado: https:\/\/www.mindtools.com\/a5plzk8\/how-to-stop-procrastinating<\/a><\/p>\n\n\n\n

Causas de la procrastinaci\u00f3n: https:\/\/psychcentral.com\/lib\/learn-about-procrastination#Procrastination-Has-Many-Causes<\/a><\/p>\n\n\n\n

Consecuencias negativas para la salud de la procrastinaci\u00f3n: https:\/\/www.sciencedirect.com\/science\/article\/abs\/pii\/S0191886906004454<\/a><\/p>\n\n\n\n

Consejos para dejar de procrastinar: https:\/\/www.mindtools.com\/a5plzk8\/how-to-stop-procrastinating<\/a><\/p>\n\n\n\n

Utilidad de los tel\u00e9fonos “coca\u00edna” y “col”: https:\/\/www.dailymail.co.uk\/sciencetech\/article-12324329\/Why-experts-say-key-healthy-relationship-phone-cocaine-kale-cell-combination.html<\/a><\/p>\n\n\n\n

Lista de aplicaciones para ayudar a superar la procrastinaci\u00f3n: https:\/\/www.developgoodhabits.com\/procrastination-apps-mf1\/<\/a><\/p>\n\n\n\n

Lista de aplicaciones de seguimiento de objetivos: https:\/\/clickup.com\/blog\/goal-tracking-apps\/<\/a><\/p>\n\n\n\n

Lista de aplicaciones de meditaci\u00f3n y mindfulness: https:\/\/positivepsychology.com\/mindfulness-apps\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 38: Barreras cerebrales<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/slate.com\/technology\/2017\/04\/why-people-are-so-bad-at-thinking-about-the-future.html.<\/p>\n\n\n\n

Descuento temporal: https:\/\/www.frontiersin.org\/articles\/10.3389\/fpsyg.2017.01007\/full<\/a><\/p>\n\n\n\n

Cita de Hal Hershfield: https:\/\/www.frontiersin.org\/articles\/10.3389\/fpsyg.2017.01007\/full<\/a><\/p>\n\n\n\n

El poder de la responsabilidad: https:\/\/www.afcpe.org\/news-and-publications\/the-standard\/2018-3\/the-power-of-accountability\/#:~:text=Los%20investigadores%20descubrieron%20que%20individuos,t\u00fa%20lo%20har\u00e1s%203A%2040%25<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 39: Entendiendo los costos<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/larrybates.ca\/.<\/p>\n\n\n\n

Diferencia en la norma de diligencia debida a los clientes por los RIA y los corredores-agentes: https:\/\/www.investopedia.com\/articles\/active-trading\/100915\/rias-and-independent-brokerdealers-comparison.asp#:~:text=Los RIA%20tienen%20un%20deber%20fiduciario,de%20cumplir%20la%20norma%20deidoneidad<\/a><\/p>\n\n\n\n

Asesoramiento basado en comisiones: https:\/\/rpc.cfainstitute.org\/en\/policy\/positions\/commission-based-advice#sort=%40pubbrowsedate%20descending<\/a><\/p>\n\n\n\n

Asesoramiento basado en honorarios: https:\/\/www.investopedia.com\/articles\/investing\/102014\/feeonly-financial-advisers-what-you-need-know.asp#:~:text=A%20fee%2Donly%20financial%20advisor,products%20they%20sell%20or%20trade<\/a><\/p>\n\n\n\n

Conflictos de intereses ocultos de los asesores financieros de pago: https:\/\/community.acplanners.org\/browse\/blogs\/blogviewer?BlogKey=88c07a0e-bb37-40ef-8642-3172716b0884<\/a><\/p>\n\n\n\n

Calculadora de tasas creada por Larry Bates: https:\/\/larrybates.ca\/t-rex-score\/<\/a><\/p>\n\n\n\n

Modelo de tarifa fija: https:\/\/www.yahoo.com\/now\/much-flat-fee-financial-advisors-134720141.html<\/a><\/p>\n\n\n\n

Modelo de tarifa horaria: https:\/\/www.investopedia.com\/ask\/answers\/091815\/what-fees-do-financial-advisors-charge.asp<\/a><\/p>\n\n\n\n

Modelo basado en el rendimiento: https:\/\/www.investopedia.com\/terms\/p\/performance-fee.asp#:~:text=Una%20comisi\u00f3n%20por%20rendimiento%20es%20a,menudo%20tanto%20realizada%20como%20no%20realizada<\/a><\/p>\n\n\n\n

M\u00ednimos de asesor financiero: https:\/\/smartasset.com\/financial-advisor\/the-minimum-investment-for-a-financial-advisor<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 40: Reducir costos<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:\/\/investor.vanguard.com\/investor-resources-education#:~:text=En%20otras%20palabras%2C%20t\u00fa%20don,acabas%20con%20alrededor%20%24430%2C000<\/a>.<\/p>\n\n\n\n

P\u00e1gina web de Betterment: https:\/\/www.betterment.com\/?utm_campaign=PMax&utm_content=brand&utm_medium=sem&gad_source=1&gclid=CjwKCAiAzc2tBhA6EiwArv-i6ZgNfMAOvCY9HqvNknGmZI7sHiJmH8Ep68f7Wg0_NBnFml75Swu_ZhoC3ygQAvD_BwE&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

Sitio web de Wealthfront: https:\/\/www.wealthfront.com\/?&utm_source=google&utm_medium=brand-search&utm_campaign=brand_exact-wf_ps-b_aw_all_dr_brand_20210825&cparam_campaignid=2061931427&utm_term=wealthfront&utm_content=null&cparam_contentid=601533116062&cparam_adgroup=null&cparam_adgroupid=76855954235&cparam_device=a&cparam_matchtype=e&campaignid=2061931427&adgroupid=76855954235&adid=601533116062&gclid=Cj0KCQjwi7GnBhDXARIsAFLvH4nla0fjqtLoCVCQSUTfvnlMiDmB_7PAvOuaxWtR9d871g51jXOsXPYaAibyEALw_wcB<\/a><\/p>\n\n\n\n

P\u00e1gina web del Asesor Digital Vanguard: https:\/\/investor.vanguard.com\/advice\/robo-advisor?cmpgn=RIG:PS:XXX:DA:10212021:GS:DM:BD_DA_Digital_Exact:NOTARG:NONE:DigitalAdvisor:Ad&gclid=Cj0KCQjwi7GnBhDXARIsAFLvH4kd31M5xJaKwhRKk3VO990FlLoA6Vv38dw9J6YH1dD81DDe-Zgayu0aAvl_EALw_wcB&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

Sitio web de Schwab Intelligent Portfolios: https:\/\/www.schwab.com\/intelligent-portfolios?src=SEM&ef_id=Cj0KCQjwi7GnBhDXARIsAFLvH4m5K3XK5WxfexWiz3Z6O-DUNZN-ki3lyO7nUvasffV7TJr1XoFD-aUaArtoEALw_wcB:G:s&s_kwcid=AL!5158!3!563641296915!e!!g!!schwab%20intelligent%20portfolio!657672170!33393815276&keywordid=kwd-88755627140&gclid=Cj0KCQjwi7GnBhDXARIsAFLvH4m5K3XK5WxfexWiz3Z6O-DUNZN-ki3lyO7nUvasffV7TJr1XoFD-aUaArtoEALw_wcB<\/a><\/p>\n\n\n\n

Sitio web de Fidelity GO: https:\/\/www.fidelity.com\/managed-accounts\/fidelity-go\/investment-account-faqs?imm_pid=700000001446522&immid=100725_SEA&imm_eid=ep77333760028&utm_source=GOOGLE&utm_medium=paid_search&utm_account_id=700000001446522&utm_campaign=DPA&utm_content=58700008485835953&utm_term=fidelity-go&utm_campaign_id=100725&utm_id=71700000112725739&gad=1&gclid=Cj0KCQjwi7GnBhDXARIsAFLvH4lDsqyt89Pf_HuTjd8rJhPdoMDTZvAxx0VDoNGVM7GqgBK80juJc10aAocvEALw_wcB&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

P\u00e1gina web de Vanguard Personal Advisors: https:\/\/investor.vanguard.com\/advice\/personal-hybrid-robo-advisor<\/a><\/p>\n\n\n\n

Sitio web de Schwab Intelligent Portfolios Premium: https:\/\/www.schwab.com\/intelligent-portfolios-premium<\/a><\/p>\n\n\n\n

Sitio web de la Red de Planificaci\u00f3n Garrett: https:\/\/www.garrettplanningnetwork.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de la Red de Planificaci\u00f3n XY: https:\/\/www.xyplanningnetwork.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de la NAPFA: https:\/\/www.napfa.org\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 41: Estudios que cuantifican el valor<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.kitces.com\/blog\/trust-research-advisor-planner-use-benefits-value-vanguard-alpha-morningstar-gamma\/.<\/p>\n\n\n\n

Estudio Russell Investments 2023: <\/a><\/p>\n\n\n\n

https:\/\/russellinvestments.com\/Publications\/US\/Document\/Value_of_an_Advisor_Study.pdf<\/a><\/p>\n\n\n\n

Estudio Russell Investments 2022: <\/a><\/p>\n\n\n\n

https:\/\/russellinvestments.com\/us\/blog\/value-of-an-advisor-2022<\/a><\/p>\n\n\n\n

Estudio Vanguard 2022: https:\/\/advisors.vanguard.com\/insights\/article\/putting-a-value-on-your-value-quantifying-advisors-alpha<\/a><\/p>\n\n\n\n

Estudio Morningstar 2013: <\/a><\/p>\n\n\n\n

https:\/\/corporate.morningstar.com\/ib\/documents\/PublishedResearch\/AlphaBetaandNowGamma.pdf<\/a><\/p>\n\n\n\n

Art\u00edculo escrito por Derek Tharp, Doctor: https:\/\/www.kitces.com\/blog\/trust-research-advisor-planner-use-benefits-value-vanguard-alpha-morningstar-gamma\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Cap\u00edtulo 42: La IA es tu nueva mejor amiga<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/www.investmentexecutive.com\/news\/industry-news\/ai-could-make-financial-planning-more-accessible-suggest-some-in-the-sector\/.<\/p>\n\n\n\n

Debate sobre las formas en que la inteligencia artificial revolucionar\u00e1 el sector de la planificaci\u00f3n financiera: https:\/\/www.forbes.com\/sites\/forbestechcouncil\/2021\/09\/30\/top-five-ways-ai-is-revolutionizing-the-financial-planning-industry\/?sh=1423041c3f6d<\/a><\/p>\n\n\n\n

P\u00e1gina web de PocketGuard: https:\/\/pocketguard.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Cleo: https:\/\/web.meetcleo.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Credit Karma: https:\/\/www.creditkarma.com\/<\/a><\/p>\n\n\n\n

Sitio web de Experian: https:\/\/www.experian.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Credit Sesame: https:\/\/www.creditsesame.com\/<\/a><\/p>\n\n\n\n

Sitio web de Intuit Turbo Tax: https:\/\/turbotax.intuit.com\/?srqs=null&cid=ppc_gg_b_stan_all_na_Brand-BrandTTCore-TurboTax-Exact_ty22-bu2-sb5_638449414034_58623458533_kwd-26897251&srid=Cj0KCQjwusunBhCYARIsAFBsUP9EFZLHxCuQAwuKcu6lzN3ARTb9LfjePGANqJ6vV5Gcacd-ZGzT3AaAiy0EALw_wcB&targetid=kwd-26897251&skw=turbotax&adid=638449414034&ven=gg&gad=1&gclid=Cj0KCQjwusunBhCYARIsAFBsUP9EFZLHxCuQAwuKcu6lzN3ARTb9LfjePGANqJ6vV5Gcacd-ZGzT3AaAiy0EALw_wcB&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

Sitio web de H&R Block: https:\/\/www.hrblock.com\/lp\/tax-filing\/?https:\/\/www.hrblock.com\/lp\/tax-filing\/?otppartnerid=9171&campaignid=ps_mcm_9171_7004_fy24_lob-gct_104_p07_a08_71700000089576942_58700007588903553_h%24r+block&gclid=Cj0KCQjwusunBhCYARIsAFBsUP_XAbY_k5Gsu9JQ-U8M5IulwSCZeRMuy3HCU7X0BhY-IK_MUVv6aegaAt9XEALw_wcB&gclsrc=aw.ds<\/a><\/p>\n\n\n\n

P\u00e1gina web de Shoeboxed: https:\/\/www.shoeboxed.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Insurify: https:\/\/insurify.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Portfolio Visualizer: https:\/\/www.portfoliovisualizer.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Stockal: https:\/\/stockal.com\/<\/a><\/p>\n\n\n\n

P\u00e1gina web de Coin Tracker: https:\/\/www.cointracker.io\/?utm_source=Google&utm_campaign=CT_BRAND_US_Brand&utm_medium=BRAND_US_Brand&utm_content=exact&utm_term=cointracker&gclid=Cj0KCQjwgNanBhDUARIsAAeIcAt3ehO3Gl2j14LwbP47_9lAyr-1DcEofacAE70EsRWjThfHKiHQygYaAo09EALw_wcB<\/a><\/p>\n\n\n\n

Sitio web de Streaks: https:\/\/streaksapp.com\/#:~:text=Streaks%20es%20el%20hacer%2D,usa%20su%20dientes con hilo dental<\/a><\/p>\n\n\n\n

P\u00e1gina web de Empower:<\/p>\n\n\n\n

https:\/\/www.empower.com\/personal-investors\/financial-tools<\/a><\/p>\n\n\n\n

Sitio web de WealthTrace:<\/p>\n\n\n\n

https:\/\/www.mywealthtrace.com<\/a><\/p>\n\n\n\n

P\u00e1gina web de Quicken:<\/p>\n\n\n\n

https:\/\/www.quicken.com\/lp\/ppc\/brand-simplifi\/?utm_medium=cpc&utm_source=google&utm_campaign=%5bMM%5d-GGL_Search_Brand_Exact_USA_Consolidation&adgroup=quicken_starter&utm_term=quicken%20starter&utm_targetid=kwd-298171431297&utm_matchtype=e&coupon_code=&gclid=CjwKCAiA8NKtBhBtEiwAq5aX2HZPIkfkDJ5pi072Nc_dhyLmPRsGzNNq2Tux-jklqH_wjRdMD6yqkRoCUI0QAvD_BwE<\/a><\/p>\n\n\n\n

ChatGPT: https:\/\/chat.openai.com\/<\/a><\/p>\n<\/details>\n<\/div>\n\n\n\n

\n
Conclusi\u00f3n: Conf\u00eda en ti mismo<\/strong><\/strong><\/summary>\n

La cita del cap\u00edtulo se encuentra en: https:<\/a>\/\/dailystoic.com\/trust-yourself\/.<\/p>\n<\/details>\n<\/div>\n","protected":false},"excerpt":{"rendered":"","protected":false},"author":2,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_locale":"es_MX","_original_post":"https:\/\/newsolinbook.wpenginepowered.com\/?page_id=1706","footnotes":""},"class_list":["post-2095","page","type-page","status-publish","hentry","es-MX"],"yoast_head":"\nNotas Finales - M\u00e1s Rico: La gu\u00eda de inversi\u00f3n financiera para millenials<\/title>\n<meta name=\"description\" content=\"Notas finales por M\u00e1s Rico: La gu\u00eda de inversi\u00f3n financiera para millenial\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/wealthierbook.com\/es\/endnotes\/\" \/>\n<meta property=\"og:locale\" content=\"es_MX\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Notas Finales - 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