Almost everyone shopping for a mortgage compares the wrong number.The rate you're quoted isn't the cost of your mortgage — it's one component of it. In this first of two bonus episodes, Jorge breaks…
The foundation is holding. You have an emergency fund, you know where your salary goes, and you know which debt works for you and which works against you. Now we build the thing that sits on top of it…
Last episode I called credit cards, instalment plans and personal loans the enemy in your wallet. This episode I need to correct something — debt itself is not the enemy.Some debt, used correctly, at…
It does not arrive looking like an enemy. It arrives looking like a solution. The credit card with the congratulations message. The pay in three instalments button at checkout. The personal loan that…
You have been doing everything right. You know your numbers. You have started investing. The engine is running.Then something happens. The car. The job. The medical bill. The boiler. It does not…
You got the job offer. The number sounded solid. Then the first payslip landed — and the number that actually hit your account was different. That gap is where this episode starts.In this episode I…
I started a podcast for parents. The idea was simple — help them build a financial head start for their children, early enough to matter. That series is called Baby to Graduation.Now my son Rodrigo is…
Have you just started earning and want to make sure you are making the right choices? Welcome to The Foundation Years — a Beyond PiggyBanks series.Three starting points. One thing in common: income,…
This is the last episode of the Baby to Graduation series. Imagine it. Your child is sitting across from you. They are 18, or 20, or 22. You open a screen and show them a number. That number…
This is a bonus episode. It sits outside the series — but it is not optional.Everything we have built together — the time, the compounding, the platform, the tax wrapper — can be undone in a single…
