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We start on the day of love and friendship.
How are you?
Welcome to the show.
I don't want to...
Well, what are we thinking today?
Love, friendship, chocolates, flowers, who am I going out with at night?
What's my date going to be?
We're on a romantic day and I don't want to break the romantic theme.
I don't want to end with the fairy tale, but today we're going to talk about a theme that
is very commonly ignored and avoided and that is taboo, but that is directly related
to the success of a relationship, the famous money.
Because today is the day to talk about our beloved money.
What happens when in a relationship you don't talk about money?
What are the consequences?
When should we start talking about money?
What happens when in a relationship there is only one person who earns all the money
and controls all the money and the other person obviously helps and participates in the relationship,
but they don't have a salary, they don't receive any benefits and they have to be asking for money
for everything.
So that's the theme.
With the desire that money is not a cause of separation, it is not a cause of divorce,
it is not a mistake that we commit to making when choosing our partner.
Today we dedicate the program to that.
What role does money play in love, in romantic love, when the fairy tale is told?
What role does money play?
And for that we have invited, well, we have a dream team today.
Moriz Dieque came from Monterrey to be with us here.
He is a business consultant, passionate about finances and economics.
He has a very special opinion about the subject of February 14 and money
and he is going to talk to us about when we should start talking about money with the partner.
We will also have Jorge Lozano from Monterrey, Nuevo León, the cockroach exterminator
who will tell us how to identify what a financial cockroach is
and how to identify it because there are some who not only don't bring money in the relationship,
but they even steal money from you.
And well, we dress up with the great Nilda Charabilio who comes to the program
and she is going to talk to us about what happens if it is healthy or not healthy
for a person to have control of money.
A person, nothing more, control of money in the partner.
So well, the program is going to be a luxury.
We open the conversation, go to marcoantoniorregil.com.diagonalfórmula.
The question today in our program dedicated to money is how important do you think,
confess it, how important do you think it is to talk about money with your partner?
Option 1, yes, well, obviously.
Option 2, no, because it is scary.
And the third is, well, there we see when there is a ring, when the relationship is formalized.
marcoantoniorregil.com.diagonalfórmula.
We also open this in my accounts of X and Threads.
In X is Marco Regil, in Threads is Marco Antonio Regil.
Leave us questions please so that we can know what you think.
We leave by the way the QR code on the screen for you to go to marcoantoniorregil.com.diagonalfórmula
if you want to scan it, you are seeing us on Telefórmula
so that you can give us your opinion and vote in the survey.
Love is the day of love, but it is also the day of money.
Ignoring money in a relationship can have very serious consequences.
We are going to have fun and we are going to learn a lot about this subject that is taboo.
But here in the program that is not taboo, on the contrary, we are going to learn a lot about it.
So stay with us on Telefórmula for an hour and on Radio Fórmula for an hour and a half
because we are going to have a great time.
So start asking your questions, I repeat, Marco Antonio Regil in X
sorry, Marco Regil in X and Marco Antonio Regil in Threads
so that they can give us questions for our guests.
Tomorrow we will be, we will also be practicing that tomorrow we will be
tomorrow and the day after tomorrow from Guadalajara, Jalisco, we have great topics
and we will be giving you a preview of what we are going to be doing there in Guadalajara.
So we are going to return after a short break because love and money are present.
I tell you something, when I was going to get married, it was precisely one of the topics that I said,
here it does not work. Our way of thinking, seeing money, does not work.
How good that we will do it before I got married, otherwise I would be one more on the list of divorced.
We return after a break, I am Marco Antonio Regil, we are live, we are in formula, we return.
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Marco Antonio Regil in formula.
97% of the people at MarcoAntonioRegil.com diagonal formula is saying that yes, we have to talk about money.
But in practice we do not do it. We are embarrassed to talk about money.
What are you going to think? Are you going to think that I am an interested person?
Are you going to be scared? I assume that here we are going to treat everything as my parents do.
We assume many things and although the survey does not reflect it,
it seems to me that it is more people who do not talk about money.
But for that we have invited Maurice Dieck, who is a great friend.
I love his social networks, I follow him daily, I see his Reels there on Instagram.
Because I am always learning from him. Maurice Dieck is a business consultant, licensed in engineering,
business and information technology for the tech of Monterrey.
And he is working his doctorate.
And well, he is one of the gurus of money, because apart he explains everything simple.
Welcome friend, thanks for being here.
Marco, thank you very much, congratulations for your program.
And thank you for inviting me to this section of money.
You know that I have always loved to collaborate with you and talk about this important topic.
Yes, on this day.
Let's see, February 14, the day of love and friendship, you are like Grinch.
No, no.
Because you say, well, I am a romantic man and everything.
But what about money and the day of love and friendship, friend?
Marco, the topic of money and love has crossed too much in recent years.
Derived from everything we see on social networks, from what we talk to other people.
And unfortunately it has become a monetized day.
A money trap like others that are in the year, where it turns out to be a marketing game so that you end up spending.
Look at the couple, you didn't invite me to the expensive restaurant.
And today there were only three roses and last year there were 12.
There are 364 other days in the year, we should not monetize relationships.
We have to be very careful with that.
And really, as I say, this day, give love, not money.
So from your point of view, marketing and the financial issue already took the day of love and friendship.
It's like Christmas, it has nothing to do with the birth of Christ, it has to do with Santa and the gifts.
And the gifts, if you are just thinking about what you are going to bring me.
I just say, be careful, that does not happen.
Of course it is a beautiful and precious day to remember not only our partners and our loved ones.
How much we love them and how much affection we have for them is a precious moment.
But we do not confuse it as, and what are you going to give me?
Because of course, everything is taken advantage of and increased.
30% of roses, hey, what used to cost a bouquet of roses, 100 pesos, any other day of the year, today 300, 400 pesos.
And they are no longer 24, they are 48 roses.
Wait Marco, if there is no photo, if there is no photo I have no partner.
And if you are going to see a photo, it is better that the bouquet, look, you can't close it with your hands.
Of course, a rosary.
So obviously sending roses, sending chocolates, going to dinner, so romantic, but that is not love.
But it does cost us a lot of money.
And you know what Marco, then we do not do it well as a couple, but we are giving away money.
And hey, I love you.
Oh, sorry my love, on the day of love and friendship, there is your bouquet, there are your chocolates, there is your dinner, we are all there.
I already fulfilled.
No, for the love of God.
Hey, when do we have to start talking about money in the couple?
This is a great topic Marco, I don't think there is a single moment, for example, there are people who say no, in the first date,
already ask him how much he earns, what does he do?
Wait, wait, there is a moment for everyone, that is, in the first date you are knowing if there is compatibility,
if it gives you good energy, good vibes, if you laugh at his jokes, man.
Of course.
But there are different topics that are not, in quotes, financial, but that are financial.
For example, hey, understand what the person is dedicated to.
Hey, what are you doing?
You don't have to ask, and that will probably come out in the first date, right?
Yes.
You are already talking about money, you are not specifically talking about coins and bills, but yes, you are asking what he is dedicated to.
Hey, maybe a little later in the relationship, there comes the question,
hey, would you like to have children or not?
Which is one of the most important financial goals.
I explain, throughout the exits, and obviously as you begin to formalize a relationship,
you stop talking about emotions and you start talking a little more about a life project together.
And when you talk about a project, what do you feel when you talk about a project?
You start talking about a work project, a business, a business, a project.
With the partner, the partner also has goals, has objectives, and those goals and objectives have financial components.
Of course.
What is it?
Hey, if we are going to want to have a house in such a place, we have to start generating savings.
Of course.
And as a plan.
Of course, because there may be different plans.
Of course.
So, for example, I told you in the podcast, when I was going to get married,
she had her very valid plan, which was, hey, I, like my parents,
want to build a beautiful house in the best colony in Monterrey,
with five bedrooms, and here we will stay to live our whole lives.
And I am a nomad.
I am a nomad.
At the moment, my plan is not even bought, it is just rented, and because I am changing...
So that is a life plan that has directly to do with the financial.
And I have to talk about it, because then she is waiting for something,
I am waiting for something else, and if you do not talk about it before you get married, it will be a disaster.
A disaster, Marco.
How many children do you want to have?
Where do you want to live?
In this city or in another?
In this country or in another?
On the beach or in the city?
Do you want to start a business or do you want to have a fixed job?
Of course.
All these decisions, when you stop being an individual and you become a couple,
they are decisions that compete with each other.
In the end, if I have a fixed job and I am earning my salary every five years, every month,
I have a certain stability.
Imagine that suddenly, hey, well, you know what?
Well, my dream has always been to start.
Hey, wait, my love, but how are we going to do it?
These are conversations that it is important to have them before, moreover.
Financial aspirations.
Yes.
What are you throwing in life?
And again, it is not a little grain, a little grain where, well, here I have the list,
although I do have a couple finance quiz where there are 20 questions that I ask the couples.
In fact, today an episode is coming out on my podcast about this,
where I interview famous people with these 20 questions,
where there are different questions that sometimes I take from people.
Like what are the questions?
What does your father-in-law do?
Why is it important to know what your father-in-law does?
Why do you think he does it?
Well, I think because he is an entrepreneur, he is an employee, who is he?
What financial education did he receive?
To understand a little the context of the couple, right?
Where am I getting into?
Yes, it is not to see if the father-in-law is a multimillionaire,
oh, I'm going to be able to live off of that, no.
Because sometimes you get into a family that you don't know what to do.
It's a question, another question, Marcos,
if I didn't ask you for money or loan, who would I ask?
Your partner.
It's very good.
What does this answer reflect?
Reflects the person your partner trusts,
could have financial support.
There are 20 different questions, obviously,
if you want to have children, who would you put in a will?
Oh, of course.
If it wasn't for you, obviously.
All these questions, Marcos, reflect knowledge of your partner.
And we have to talk about it.
Not necessarily, if you see my podcast, if you throw it out,
there are many people who write to me and say,
we threw out the whole episode in pairs.
It's very funny.
And we did, well, the other time I ran into a person who said,
Maurice, I fought with my partner for two weeks
after listening to your episode.
Of course.
But you know what?
You saved my marriage.
After those two weeks.
There were topics in the conversation.
What do famous retires do?
Spiritual retires, couple retires before getting married,
where they force you to talk.
Hey, what's up with the credit card?
What's up with the budget?
Where do you want to live?
Are we going to rent or buy?
How many children are we going to have?
What is the family budget?
How are you going to divide?
You're touching on an important issue, Marcos.
The budget.
The other time I ran into a person, Maurice.
My partner spends and spends and is fed up that I'm just saving.
I said, set up a budget.
Teach him.
Teach him specifically.
Because with money, Marcos can be subjective.
Yes, I'm spending, but I don't realize.
You just want to save, accumulate, enjoy.
No, no, teach him in numbers.
How many times does he go to meals?
How many times does he go to parties?
How many times does he go on trips?
Teach him in numbers.
Yes.
You think that only by showing him the number,
the concrete number, the person said,
I can't believe it.
I'm spending too much.
Wow, very interesting.
Let's continue the program.
Let's take a break.
According to INEGI data, the average Mexican family spends 38% of their budget on food.
38%.
38% of their budget.
Well, but be careful because there are especially men
who are either
or irresponsible financially.
There are even those who steal you like the Tinder scammer.
Well, in the next segment we will start from Monterrey with Jorge Lozano,
the financial cockroach exterminator.
He will tell us what a financial cockroach is,
how to identify it, how to avoid it,
and how to get rid of it if you already fell into his claws.
We'll be back after a short break.
Marco Antonio Regil in Formula.
We're still here with you.
Follow the conversation with Marco Antonio Regil in Formula.
Opening the conversation,
95% of the people who are answering our survey at MarcoAntonioRegil.com
from Al Fórmula say that yes,
you have to talk about money with your partner.
There is a 2% who says no because it scares them,
and a 3% who says, well, there we go.
Maybe when he gives me the ring and the matter gets serious, there we go.
But hey, he's with us, Moritz Diaz, business consultant,
and technology at Tec de Monterrey, future doctor.
Future doctor.
We're going to link with the cockroach exterminator,
who is actually campaigning with San Antonio Zoo,
saying that if you adopt a cockroach,
you name it after your ex and feed it to a viper.
He's the one who saves women from falling into the claws of the financial cockroach
and who stabs them like the...
What was it called? The Tinder robber, right?
The Tinder robber.
Like the documentary Jorge Lozano from Monterrey.
My friend, welcome to the show.
My dear Marco, congratulations for this great space.
Moritz, it's a pleasure to greet you.
Dear, it's a pleasure to be with you.
Hey, tell us, what is a financial cockroach?
From your point of view, what is it?
My dear Marco, look, you know I use the term cockroach
to talk to women and prevent them from those men
who are liars, manipulators, and players.
And on the financial issue,
the financial cockroach is a very common species.
I don't know how many people are listening to me today
who have had a partner
and use money as a manipulation or control mechanism.
And look at where I'm going.
I know you've already talked about this,
about how sometimes there are people who question you
or use money as a chain.
But hey, cockroaches, look, this goes, my dear Marco,
from the way in which you never bring money to go out with you.
Look, how many are listening to us today.
Day of love and friendship,
not a single chocolate has given you the bastard.
Oh, but it's not about friends.
It's about spending money on a screen
that the man wants to install in the bathroom.
Because forget it, forget it,
it's this discriminatory expense
of the family's house investments
that sometimes turn you into a cockroach.
And look, I'm going further, my dear Marco.
How many are listening to me today?
And I go to women a lot because I am a woman's advisor.
How many have ever had a man
who the first date the man was splendid?
That man told you, ask for whatever you want, my love,
in the restaurant, the world is yours.
You came home and the man was out with a flower.
And what did he say? A flower for another flower.
But after two or three years of relationship,
you arrive and the man is with a box of chubby girls
that says, a chubby girl for another chubby girl.
How do you think? No.
That's a financial cockroach.
Hey, but financial cockroaches today,
no, my dear Maurice, you will agree with me,
have changed life.
As today women are already making very good money,
there are some that earn more than men, in fact.
There are financial swindlers,
like the documentary we were talking about,
the Tinder swindler,
who gets a rich man and at the time he takes money from you.
And it is also a topic that I have talked a lot with Jorge.
Jorge, I think it is super interesting
the issue of financial infidelity.
What are those?
That is very strong, my dear Maurice.
Talk to us about financial infidelity, my Jorge.
Of course, I talked to Maurice last time
and I told him, when you are in a relationship,
the first thing you have to teach your partner
is the way you manage yourself.
I told Maurice, hey, before anything, tell him,
chubby, get me Excel.
Get me Excel.
I want to see how you manage yourself,
because there are many who are listening to me today
who manage themselves on a napkin.
On a napkin has all its administration.
So financial infidelity is when your partner
spends on things and hides them from you.
You spend money on expenses that are sometimes unnecessary
and that if you had consulted them,
your partner would have told you, don't do it.
But what happens when there are expenses
under the table, expenses under the carpet?
There begin those terrible infidels.
Of course, Jorge, people are great for...
they focus and want to flirt and want to conquer.
Take off your Excel, man. Show them the numbers.
Show them the numbers.
How many problems would we solve with that?
I have a very dear sister who got divorced
and she found her infidelity, because she suspected it,
but she found her infidelity.
He denied it, he was a cockroach, obviously.
But do you know how she found her infidelity?
Because she started investigating and found a card,
a bank account and a credit card
that she didn't declare.
My sister earned the money,
my sister was the one who made the money,
and he was like the master of the house.
And he found that card.
And what do you think he found there?
Hotels, flowers, dinners.
And with the Excel in his hand, he denied it.
He said, no, it's just that I went with some friends.
So sometimes cockroaches are mega cockroaches.
Totally, totally.
And I think financial infidelity
starts from the first date.
When you want to say that you have a life that you don't have,
you want to show off that you have money that you don't have,
men and women,
how many gentlemen are listening to us today
who one day invited a woman to go out
and that woman arrived and began to ask for the most expensive thing in the restaurant.
In the first date, there it goes.
First date, he says, hey, I'll order the lobster.
When have you tried lobster, you bastard?
Hey Jorge, and you realize, it's very easy to realize,
he has never been to that restaurant
and he wants to show off that it is the restaurant
and he speaks to the waiters as if they were his friends.
Hey, he hasn't even been to that restaurant
and it shows that you are stretching the league just to show off.
Hey, a cockroach speaks badly to the waitress.
A cockroach treats people who give them services badly.
That's like a mega red light.
Cockroach.
Totally.
And money is a great revealer of cockroaches,
because money reveals the character of people.
When you don't have it and when it seems like you have it,
because that measure of speaking badly to a person who treats you in a business,
those are people who sometimes don't even have a frame,
don't even have a moris, that is, they don't even have enough money.
In fact, sometimes you see very prosperous people with a lot of money who have tremendous humility,
but this is the issue that since you don't have it, you feel frustrated
and you want to exert control over other people
to see you more ugly in front of the person you are having dinner with.
And that is terrible, friends, it is cockroach.
And that is a danger, when someone,
one thing is to be with someone who has money and is old money,
that is, of generations or who has earned it through his whole life,
to the new rich, to the one who has just hit him for some reason,
he hit him with money and he is spending it on sneakers, watches,
on expensive trips and he starts to make money.
It is that he is covering things that have probably been
symptoms or shortcomings of the past and now that he does have the possibility, he gets angry.
I would like to ask Jorge what he thinks of the issue,
which I think is a great identifier of financial cockroaches.
And cockroaches too.
In life we know that life is a ups and downs, Marco.
There are times when we are doing well, there are times when we are doing badly.
And I tell people, you have to visualize very well,
when you are up, who is approaching and when you are down, who is moving away.
We have two minutes Jorge, but throw the rest, friend.
What do you think, friends?
That is a great truth, there are people who say that when money
comes out the door, love comes out the window or something like that.
But I think that when a person loses...
When poverty comes in through the door, love comes out the window.
Love comes out the window.
But I feel that people who lose their job, who lose that money supply
and sometimes lose their relationship, sometimes it is not even that you lost your job,
it is that the fact of losing your money, you have it as a god in your life
that took you to a very dark side of your personality
and sometimes your partner does not stand the dark side.
It really is that, sometimes we see that money is a god,
but money is neither good nor bad.
The person who uses it and has it, maybe it is.
That is my theory, dear.
Of course, it is simply a tool that brings out, magnifies the good or the bad,
the shortcomings or the virtues that you have inside of you.
And of both, right? Because sometimes it is,
ah, this year there is no trip, but why is there no trip this year?
My love, we are not doing well in the business, this year is to tie our belts.
Yes.
Ah, and there it is.
But that's why if your partner is very grown up with the money,
tell him, don't come to me to slap me, I knew you, you scum.
Jorge Lozano H, you can find him on all social networks,
he is on tour with Ingobernable, we say goodbye to you, friend,
but where can we see you in person and online?
Of course, yes, friend, we are on social networks,
at roba jorge losano h and tour the United States and soon, on June 6,
in the city of Mexico, Metropolitan Theater.
That.
Or leto.orgelozanoh.com, I love you friends.
And exterminating cockroaches even in Europe,
because it was already Barcelona, Madrid, Valencia, it is cockroach,
it is international cockroach killer.
Well, there are cockroaches everywhere.
There are cockroaches everywhere.
Well, thank you my dear Jorge, we send you a hug to Monterrey,
here we will continue in Marc Antonio Regilio in Formula,
here comes, here comes, Santanilda Charaviglio,
oh God, how beautiful to have her here today,
because she is going to tell us what happens when a person in the couple
has, does all the money,
sends with the money, controls the money,
and we are going to ask you if married women should earn a salary
for being more at home, because that is also work.
We return after a short break.
Connect and build through our conversation,
through our conversation, through us.
We return with Marco Antonio Regilio in Formula.
I am Joaquin López Doriga and I invite you to listen to the best interviews,
where and whenever you want.
News, sports and shows on your favorite podcast platform.
Fórmula Group, opening the conversation.
Get up, continue the conversation with Marco Antonio Regilio in Formula.
Day of love and friendship, they brought me flowers, I can't believe it,
it's the first time someone brings me flowers,
like in 20 years and also no one brought them to me.
One of the human beings I admire the most and I feel honored to meet
in this planet, Santa Nilda Charaviglio of the difficult cases.
Welcome, Nilda, it's a pleasure to have you here with us, friend.
The pleasure is mine.
Thanks for the flowers, for being here.
A great table.
Yes, well, it's fun.
In addition to having your master's degree in family therapy
and giving therapy for decades,
you studied economics originally.
This is perfect because you are a specialist in couples and economics.
Yes, yes, yes, the first thing was in my adolescence,
the economics license,
and I arrived in Mexico in 1978 to do a master's degree in mathematics.
And you stayed.
And I stayed and I gave classes of linear algebra applied to economics
and logically formal applied to economics.
And then you got into the subject of couples.
And I realized that the decisions of a better world did not go through the economy
and then I went to psychology.
And you studied, you certified, you registered as a professional.
All those things and 46 happy years in Mexico.
Doing the subject of couples.
Now, the question is, what role does money play in the couple from your point of view
and how good or bad is it that someone has financial control,
one of the two people has financial control over the couple?
I like to say something, you know, always there breaking...
You give it, give it.
Love and money are the same, they are equivalent.
Because where does the money come from?
From work.
In other words, if you are going to work, imagine you are in a company,
you are going to work every day, you put will, discipline, commitment, creativity,
many things, right?
Yes.
And then at the 15th or the end of the month, what is called money arrives,
but it does not arrive.
It gets into an account that happens to you mysterious things and goes to other accounts.
It is a flow.
It is a flow that comes from where?
From your effort, from what you invested in your life,
to have something else, to create something in your life.
Or quality of life, what do I know, everyone has their own, right?
What is love?
To build a relationship, you have to put will, discipline, passion, commitment,
and every day, 24 hours a day.
And if you do that every day, then a behavior appears,
which is called love, that is, how I love, that is, what do I do when I say I love?
Okay?
Then it comes, it sticks to this construction of the relationship of the couple,
and it disappears.
It is a flow.
Because the next day you have to love again or work,
because if not, it does not grow.
Every day you have to build it.
Every day you have to build a relationship, or I don't know,
or heritage, or quality of life, or whatever you want.
But every day you have to do the same thing again, because it is a flow.
Of course, money and love, and couple, it is the same thing.
And what happens when it is a person who sends, who has the money,
and therefore sends, or is it traditional like that?
Yes.
There are many angles, and I noticed it,
because there are so many angles that you really have to pay attention.
If you don't turn the stone with this, you're going to fuck it.
Okay.
Money is power, love is power.
Power what?
To be able to do things with it.
How do you manage your love?
How do you manage your money?
No? Okay.
If there is no reciprocity, there is opportunism and disloyalty.
Interesting.
If you go to a company, but instead of playing with the company's objectives,
you play to see how you cheat on the company to get something from the company,
you steal the pencils and the rubber, I don't know, yes?
Then they will run you over.
Of course, you don't fulfill your obligations and your objectives.
No? Okay.
And love is the same.
You cheat on love.
How? How do you cheat?
You cheat.
Not building, not loving every day.
If you don't love every day, there is no construction.
It's not that because you signed the paper you're mine and that's it.
Now there is nothing else to do because you already did everything you had to do, sign the paper.
That's the attitude of many people.
No?
They tie you up with marriage and that's it.
And that's it.
Aha.
That's it.
No?
That is, it's already on the verge.
Yes, the subject is dead.
No?
That is, it's already dead, isn't it?
Yes.
If you don't love every day, there is no relationship with a partner that can stand time.
And returning to the subject, if a person is the one who is making the money, right?
And he controls him and the other person has to say, hey, I need for the contract,
I need some shoes, I need...
Well, that, that, that little dose is really a way to manipulate and control, really low, really...
But let's go one step further, right?
Because, no, Nilda, we agreed, right?
I mean, he works and I at home with the children.
He makes the money and I am the family's support, the organizer of the family.
Aha.
And I tell you why?
Because that's how they agreed.
Aha. Why?
Why? Why is it Moris? Because it's traditional? Why? That's what my parents told him.
I mean, it's fine, right? It's perfect.
But if you win 100, I get 50.
Uh-huh.
No?
I mean, the woman... I mean, we're talking about my sister's case, for example,
she and the money and he were at home.
But the person who stays at home, normally the woman...
You get 50%.
And how... the woman should have a salary, being a housewife?
She should have 50% of what her husband earns.
Uh-huh. I mean, not even a salary.
No.
50%.
Why? Because that's the relationship between couples.
The relationship between couples is, you do things that affect me, me, you, you, me, you, you...
Okay. You mean that this relationship is built between your 50% and my 50%?
Yes.
Okay. With money it's the same. Your 50%, my 50%.
You earn money, yes?
So 50% is for me, the other 50% is for you.
Yes? I have children here, and this and food and whatever.
50% are my children, and how from here? And the other 50% is for you.
Of course.
No?
Do you think this way would change a little if roles change or if, for example, if the two of them are working or if they have a joint business?
Do you think it could change?
It changes, it changes, and we go from 50% to the equivalent.
The equivalent.
Let's suppose that you...
That's very interesting.
That you earn 100, and I 10.
So we make the budget for the couple, with everything, and the budget is a very interesting thing.
Of course.
With all the... with all the lines that we put on the budget.
So the budget says, add 100. Okay. How are you going to cover those 100?
With 50% of my salary and with 50% of your salary. Or, if it happens, with 40% of my salary and with 40% of your salary.
Because one can be earning more than the other. In many cases, it can be a woman.
Here, what is the same is the percentage of what each one earns to complete the budget.
So I put my 40% of my salary and the rest I put in a separate account, in my private account, that doesn't have access to the other.
Yes?
Yes.
And that's my money.
It's healthy to have separate accounts.
Which is also healthy, right? That everyone can manage some of that money for their personal expenses.
That you don't have to be asking for money, because asking for money puts you in a super vulnerable position.
Exactly.
Inegi says, according to Inegi, the value of home and care work, not paid, the person who stays at home taking care of the family,
represents 27.6% of the gross domestic product. According to Inegi, it's estimated at 6.4 billion pesos.
Of this amount, 72.2% is given to women with their work and time, and 26% to men.
So men contribute a quarter of the family's work and women a quarter of it. However, women don't earn anything for that work.
That's why the proposal is, the agreement, if you want it like that, fine, everyone can make the agreement they want.
But the thing is that it's a reciprocal relationship.
Of course.
Yes?
Because if it's not reciprocal...
It's going to be opportunistic, disloyal, and it's going straight to the financial betrayal Jorge was telling us.
It's going straight.
How many women do we all know, family, friends, who are in a horrible relationship, I mean, they can also be men, right?
We're generally talking about women. Why don't you separate yourself?
Well, because I don't have money. Because I have two or three children and he gives me...
And what do I do? Where do I go? I've been living my life for 10 years dedicated to children.
Look, that's very interesting.
How so?
If one of the two doesn't enter into a relationship with money, what happens?
The one who does enter into it, enters into existential doubt.
It's called existential because it has no answer. Okay?
Okay.
And it's there because you love me or because you have nowhere to go.
Of course.
Okay?
So what does it start to do? It starts to mistreat you.
To see if it's true that you love him and not his money.
Wow. That's horrible.
It's horrible.
It's horrible. But I couldn't, I don't know, you die.
I couldn't be with someone who's with me because I keep her.
Yes, of course.
That would be horrible. I want to be with someone who has her money, has her financial freedom, who's with me because she decides to be with me.
But there are men, many, who know that and use it deliberately.
Oh, she's with me because I control her.
Of course. And I say it's also a way to exert power inside, as Nilda said, it's a way to exert power within the relationship.
And let's see, I also understand that there are relationships where there are roles, some more marked than others.
But I think Nilda said it very well, I don't know, the important thing is to be reciprocal of that, of the relationship.
And have a model that works for them.
I mean, if it works for them that everyone has their separate finances and look, I pay the rent and you pay the food and after that everyone else does.
Or if there's going to be a single account and then all the money will be dispersed.
There are many ways to manage it, as long as it works for them, given the lifestyle of each one and the expectations.
I would love to ask Nilda if she believes that the way couples relate to money has changed over the years and generations.
What do you think? Has the way young people interact with money changed?
Yes, the new generation, yes.
The new generation, the middle class, yes.
What do you think has changed?
Well, everyone has their own thing and there are always agreements.
Look, conventional marriages, romantic love, etc. are divorced for three reasons.
Sex, money and love.
And family of origin.
Yes, family of origin.
Sex, money and family of politics.
Yes.
Divorce.
Divorce, for these three reasons.
Statistically speaking, well, I was listening to you a while ago when you were talking about money.
Yes.
Well, before signing, as you said...
Before the contract.
...you have to make these three agreements.
You can't make many agreements because agreements can't be a shirt of strength.
No, they have to adapt. It's a negotiation.
But it's much more than a negotiation. It's an open dialogue.
Of course, permanent.
Yes, permanent.
Okay?
There are a thousand ways to deal with money.
I suggest these that I told you.
The budget of the two, where the trips, the dinners, the all come out.
The budget of the two.
And each one contributes that budget or 50%.
If only one wins the money, he gives 50% to the other.
Yes.
And the other has to put his percentage.
Of course.
We're not going to assume that the budget is 100, but we win a thousand.
He wins 2,000, a thousand for me, a thousand for him.
Okay?
So, I put 50, you put 50, and I have my private account with what I have left.
And then you have your private account with what you have left.
And it's your money. And each one does what he wants with it.
And then you don't know how many problems he has.
And we don't go out to dinner, but if you gave it to your mother, no.
Yes?
And each one has the freedom to have their money in a healthy relationship.
And all that goes away.
And make your money with it.
It disappears.
And lend it to whoever you want.
Yes.
And they'll kick you out.
Yes?
Yes, because first it was fulfilled with the budget.
And we're going to do a teleformula, but in 10 seconds, final advice for people who are going to do a teleformula,
we're going to stay on the radio for another half hour.
But final advice, couple, money, love.
Maurice.
Build mode instead of demand mode.
Nowadays I feel that many of us are in demand mode.
Demand the couple of everything. Demand money, demand love, demand, demand many things.
But let them ask, what am I bringing to the table?
Build mode.
Milad, 10 seconds, final advice.
Be careful with the credit cards.
There's the subject.
OK.
Friends of Teleformula, we say goodbye.
You are left with Maxine Goodside here on Teleformula on the radio.
We will continue tomorrow.
We will be broadcasting live from the University of Guadalajara in the beautiful Perla Tapatía.
There is the National Congress of Cardiologists and we have experts on that subject.
The program will be very interesting.
Thank you and we'll be back on the radio after a short break.
I'm Marco Antonio Regil.
We continue in formula.
Follow the conversation with Marco Antonio Regil in formula.
Nilda Charabrilio, Moritz Diaz, who is with us on this day of love and friendship,
where things are romantic, but money is the most loving thing.
Well, not the most, but one of the most loving things we can talk about.
And Nilda put on the table the delicate subject of credit cards.
What role do credit cards play in a relationship?
Many, but fundamentally two.
Control or revenge.
Oh, revenge.
Revenge.
Everything that does not go down in the conversation will go down in bed or in the credit card.
Let's see, let's see, let's see.
Slowly.
I want to give a story to introduce this topic.
Well, a couple came with me, Moritz says to me,
Sorry, he arrived, he arrived, Moritz says, I have a credit card problem and I have to explain why.
I said, what happened?
He says, well, my partner has an extension of my credit card, of those cards that have no limit.
Oh, God.
Well, he went to Las Vegas with his friends.
Thank you.
And you can imagine the mess that got into the card in Las Vegas.
And my love arrived, but what happened?
Oh, sorry, my hand went.
That is revenge.
That is an aggression.
Yes, that is revenge.
Why didn't you do this?
Why didn't you accompany me?
Why not? Why not?
Because it was your turn.
Now we are equal.
In the United States, one in five people recognizes having hidden a debt.
One in five in the United States.
Ships on credit cards, compulsive purchases, trips, creditcards.com.
That's where we get information.
So it's super common.
Yes, super common.
And control, right?
You're going to have my complimentary card, right?
But the state of account, I receive it.
So I'm going to know exactly where you spent each peso.
And where you were.
Yes.
I think this is because you didn't follow the advice you talked about a while ago.
I mean, if you don't give it a share, right?
That it can use freely and that it can manage freely and give it the card.
Of course.
No, it's going to be a scratch.
It's probable.
Why?
Because there you are going to charge the debts of love.
So one pays.
There is nothing free.
There is nothing to pay for.
Either you pay on credit cards or you pay on sex or on bed.
But you're going to pay.
You're going to pay.
That I have control and I manage.
And you know what, my dear Marco, thank God, because balance is established.
Balance.
But ideally it's in a conscious relationship where we're not getting hit under the belt.
Where interests are not paid.
Because interests are very expensive.
Very expensive.
And going back to the topic, for me it's a very important topic.
I mean, the mother, we have to stop saying, what does the husband work for?
Oh, he's a lawyer.
And your wife, oh, she doesn't work, she's a housewife.
How come she doesn't work?
Yes.
How come she doesn't work?
It's terrible.
The housewife's job, whoever does it, if it's not paid, when a third person does it,
if it's not paid, if it doesn't have money in it, it's alienating.
It implies that mental health decreases every day.
Mental health decreases every day if you're not getting a salary for your job.
And I would also like to add something there.
Beware of leisure.
Beware of leisure for either of the two.
Because many times, no, well, hey, what are you doing?
No, well, in the house they say, no, I don't have children, but well, I don't.
Beware because it's the root of many problems that can arise later when they are in leisure
either of the two within the relationship.
Many times, it's charged.
I mean, the work is too much, so I'm going to hire a third person,
and a fourth person, and a fifth person, right?
And then, well, it doesn't pay me, but it's not work either, right?
Okay.
The lack of work, that is, the one that doesn't turn you on.
Because what is productive work?
We were saying that a while ago.
It's energy that you use.
I mean, it produces brain.
Productive work produces brain.
So if you don't work productively, if you don't do courses,
the brain gets stuck.
It gets stuck, of course.
It's a great satisfaction to have personal achievements.
Of course.
And to challenge yourself.
And that's where the best version of your partner will come out when they have personal achievements.
Of course.
It will even give you less money because it will not be hanging from your triumphs or your successes.
It will not have its own life.
You invent problems.
When you are in leisure, you invent problems.
Of course.
Now, today, during the court, I was talking to Maurice about who plays the role of housewife or housewife,
because he will know, they have to look for flexible jobs.
Could you elaborate?
Yes, many times.
In fact, it was the Nobel Prize in Economics in 2023, last year, studying gender pay gap.
And well, he discovers that many women decide to have flexible jobs, which is a flexible job,
because they don't go in the afternoons, that there may be days where it may be missing or even do home office,
although it is already becoming very fashionable.
And this naturally leads them to a flexible job that pays a little below a fixed job.
It will be a job that you cannot, although nowadays the truth is that there are many jobs that are already home office.
So the dynamics of a partner change a lot.
I have the case where she has to go to the office, and he doesn't.
He is at home, the other way around.
But I am going to put in another one.
Put it in, put it in.
Nowadays, with the crisis of masculinity, many men put money in their virility, their masculinity.
So if they don't earn more than they do, they enter into a conflict of, well, what am I worth for?
Of course, a crisis.
But gender roles are still so strong that they are left in a state of fear of losing vital protection.
So the gender roles that separate us and confront us, make the social crisis, the cultural crisis,
enter the inside of the partner and have demasculinized, demirilized men and women who are afraid of losing vital protection.
In other words, their place of protection, care and food inside the relationship of the partner.
The story of the princess.
Exactly.
Of the telenovela.
And of the blue prince, who is neither a prince nor a blue one.
But modern relationships, I want to think, as Moritz said a while ago, and you said that is changing too, right?
There is a transformation.
In the young people.
In the younger people.
But Mildan says it very well, unfortunately the cultural and male idea issue.
Traditions.
No, it hasn't changed that much.
No, no, no.
But the economic and business environment has changed.
So you realize that they are going at two speeds and these crises happen, right?
Of course.
I mean, I, even many times they send her to work, for example, in another country with a huge salary.
And he has to accompany her.
But he has to cut stone wherever he goes.
And it starts to give dynamics, just as Daniela said.
And there are more opportunities, let's go to the pause and let's go to the last segment, but there are more opportunities.
I want to reinforce, underline what you were saying, Moritz.
Because nowadays, with the digital world, nowadays there are better paid jobs for women, or for those who stay at home.
Correct.
Where they can be flexible.
I always, well, in the podcast we always talk about it.
If you know about sales, for example, if you know about digital marketing, if you know how to write, do copywriting, if you know how to do sales funneling, if you know about digital marketing, you can earn a lot by working from home.
A lot.
I mean, times are changing.
Nowadays, if you have two, three hours free at home every day, you can make money.
And good money.
And you will be surprised.
If you train well.
Yes, of course.
If you educate yourself well, because here we return to the subject, it is education.
If you don't educate yourself, you think you don't have the tools, the world keeps on transforming.
Correct.
And you continue with the beliefs of your parents and grandparents, and then you are not functional to the system.
And also, let's take a break, but I'll stick with this.
I don't remember which expert I was listening to talk and they say that part of this imbalance is that, for example, traditionally the man goes to work, he does a career and he is learning, learning, learning, learning.
And the woman is not learning traditionally because she is at home.
So if there is a divorce or if there is a widown, the woman not only does not have the money, but she does not have the tools because she did not have the 10 or 20-year-old fire.
I would also like to talk a little about that right now that we return because there is legal protection.
And right now we talk.
What a good thing.
Yes, there is legal protection.
Yes, I just had a conversation with a family lawyer and precisely this great question of miscellaneous goods or goods separated, where the person says, wait, goods, goods separated.
But if I stop working like this, stay in the next segment, we are going to talk to you because we have information that will help you.
It is very good. We are going to take a break when we return, we continue to talk in the last segment. If you have questions, go to my threads, which is Marco Antonio Regil.
Put us questions there if you have them or ex or Twitter because they have changed the name.
It is a whole topic, but it is Marco Regil and they can ask us questions tomorrow.
We will be broadcasting live from the University of Guadalajara.
It is the annual cardiology congress in Guadalajara.
I have the pleasure of going to give a conference and we will have experts who will accompany us on the subject of cardiology.
We are going to talk about sudden heart attacks, those attacks that can hit anyone at any time.
How does the subject work? How to prevent it? And what to do if you have a sudden heart attack from Guadalajara to Jalisco?
We will be transmitting and on Friday we will be with the tequila makers of Guadalajara and we will have a round table of traditional and polyamorous relationships.
It will be good on Friday from Guadalajara.
Zapopan, municipality number one in polyamorous in Mexico and from there we will be transmitting.
And everything in a tablespoon.
Let's see more.
Get ready.
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We are talking about the dear money today, day of love and friendship.
I send a hug to the Tequila Regulatory Council, which is the name of the place where we will be transmitting from Guadalajara on Friday.
Where we will talk about traditional relationships and polyamorous, what is the difference.
And that also has completely different financial implications.
Because if with one person it is complex to manage finances, imagine where everyone is there, rotating, playing to the...
And why did you spend with her more than with me?
Let's see, teach me the states of the story.
It is done in the commune.
And tomorrow Thursday we will be at the University of Guadalajara.
The rector will be with us and we will have the cardiologists.
Because we will be in the National Congress of Cardiology.
Talking about the famous sudden death that can hit anyone, anywhere.
How to detect it, how to prevent it, because you can detect it, it already happened to you.
But what can you do if someone in your family happens to you or someone else?
And it is something that has happened to you.
And remember a footballer was in a game and he fell, suddenly he fainted.
It has happened, super fit, super strong people, I explain.
That they have all the physical condition, that they eat well, that is, nobody is saved.
And tomorrow we will be talking about very important medical education.
So two days in the beautiful Guadalajara, Guadalajara, from tomorrow.
Hey, the issue, right now we are in the cut and Moriz said, the issue of who?
This is super fashionable.
Just to close that topic, many people are afraid to decide if they come from the same community,
which is this joint society or they come separated.
And the main concern, well, wait for me, but if we leave and I stop working,
I left my business, I left my job to take care of the family.
Well, it was legislated on this issue because it was an important issue in Mexico that was happening.
That is, many, many women were being financially unprotected
for leaving the labor market, for attending things from home, family, etc.
In the long term and in the long term.
Imagine the implications in the long term.
Well, there is already a figure, a concept called compensatory pension.
Compensatory pension.
Compensatory pension that you can fight with the judge and you arrive and say,
Mr. Judge, before I entered this relationship, I worked, I made so much money,
I had such a business and look, judge, in the life project that I created with my partner,
we decided to have a family and I decided to leave the labor market
and by leaving the labor market I lost so much training,
I practically lost some experience.
Relationships, connections.
And now he wants to leave and it turns out that it was with separate assets
and now it turns out that I am trying to activate myself again economically,
but clearly I have a regret.
You can fight for something called compensatory pension
because what he generated in that time that you sacrificed for the good of both,
what he generated grew professionally, it also corresponds to you.
Of course, it is not only the money you stopped earning,
but all the experience and connections.
Yes, but also what you helped him generate, because he pays everything well,
is that figure so that he can review it with his lawyer.
How wonderful, how wonderful.
Very good.
Hey, now the sugar daddies appeared and the government wants to charge the sugar babies.
I did not know.
Yes, yes, yes, yes, yes, I do not know if it has already happened.
Those transfers like that, it was every month.
I do not know in what regime, what percentage are the sugar babies going to pay.
Yes, but that is also another topic.
Yes, it is a very interesting topic.
Where the woman says, well, it's like a girlfriend, but pay me.
Of course.
And this is a huge controversy.
Very big, very big.
What do you think of the economic plan?
That they are contracts, they are healthy contracts.
Healthy?
Well, yes, well, yes, I give you what I have and you want it,
if you give me what I need and that's it.
And you can negotiate with clarity and there are no issues.
The only problem is that sometimes the one who has the money, again,
does not fulfill the contract and can get very horrible mistreatments.
And it does happen.
That the contract says, for example, 5 and everything, yes?
And at the time I got drunk and raped you.
It's rape, yes.
No?
This is out of the contract and that, well.
I want to ask you, Nilda, what is the difference then between that and prostitution?
Very good question.
Well, yes, what is the difference between that, oh, you're going to kill me.
Between that and being a woman?
Being a woman?
Well, the debate has opened.
Strong statements from Nilda Jalavigo.
The difference between being what, sorry, being a woman?
I mean, everyone sells what they have, right?
Correct.
Okay, well, some young people sell, well, they rent, well, they don't sell it, right?
They rent their bodies, right?
Why?
Well, because of things they need, right?
A housewife rents her work at home, yes?
Okay?
And the prostitute rents her legs, why?
Because that's what she has.
But the prostitute has a lot of clients, too.
The other is a concept of simplicity.
Yes, I think that changes a bit, right, Nilda?
No, no, I'm not saying it doesn't change.
I'm saying that they are contracts that have to be very clear so that relationships are reciprocal.
Yes?
That's what I'm talking about.
Contract what you want.
If you want to be a escort, you want to, I mean, the profession that you want, yes?
But that the relationship is reciprocal.
That there is some return.
The problem, generally, with the housewife is that the relationship is not reciprocal.
There is abuse.
And sometimes the abuse is not only with the housewife, with the wife.
Sometimes the abuse is with the mother-in-law, with the grandmother.
Because I leave you the children, there I take care of the pending.
And then the mother-in-law sometimes doesn't end up receiving anything either.
And they are taking care of the education of the children and everything.
Exactly.
So, be careful.
Be careful because sometimes they do moral, cultural judgments that do not contemplate how the world has changed today.
Hey, for the other, the time is over, let's say goodbye, but for the other we talk about the OnlyFans.
Oh, talking about income.
Income.
Would you have a girlfriend who had an OnlyFans?
It depends what the OnlyFans is.
There are many types of OnlyFans.
But if I had OnlyFans, I would...
Sexy.
Are you asking me the question?
Yes.
Personally.
Yes.
I wouldn't go.
You wouldn't go?
No.
Okay, well, valid.
Each one.
You would have a boyfriend who had an OnlyFans, Nila?
It depends on how he is.
If he is handsome, yes.
It depends on what he offers.
Marco?
Well, I have gone out with people who have OnlyFans.
Let's see, going out, going out, yes.
But would you go out with someone? Would you form a life project with someone?
It's been 14 years since I have a girlfriend. I have to go to therapy with Nila Charabie.
I don't know, friend, it depends on the OnlyFans.
It depends.
It depends on the content.
It depends on how much you are a taquiller.
Nila Charabie is going to be at the Metropolitan Theater, where we can see you in person there. Tell us.
Yes, yes, yes, we are going to do a new presentation on March 8, Women's Day.
Where are the tickets? Where can you get them?
Ticketmaster.
Ticketmaster, okay, perfect.
Maurice, you are going to get a great app, I see.
Yes, this year is the year we get an application for financial administration with connection to banks
for people to give them visibility about their finances and that they can take better decisions with them.
We got it first semester, 20th and 24th.
We are in this semester, we are waiting for the last permits.
We are going to launch it so that you are well aware of my social networks,
at morisdek, and well, listen to my podcast too.
Of course.
Tell me and tickets on Spotify, on YouTube, everywhere so that you can listen to us.
Great, and you know, we are opening this space for our partners and partners.
Ivana Marcantorneo regil.com, diagonal formula.
There you can sign up as partners or partners of the program.
And we have giveaways.
And in the last few seconds we have, we are going to give away access to those who sign up today.
Yes, we are going to send them the access league so that they can pre-register to the application
and they will have free access.
Okay, so register at marcantorneoregil.com, diagonal formula.
We are going to send you an email with a secret league only for partners where you can receive the application for free as soon as it is launched.
As soon as it is launched, you will be the first.
Perfect, thank you.
And those who sign up at nilda.com.mx also have a free course.
Ah, well, we check it out and we do it through our partners, do you think?
Yes.
So we have giveaways.
Sign up at marcantorneoregil.com, diagonal formula.
Thank you, see you tomorrow from Guadalajara.
We will be watching and listening to you there, opening the conversation.
Thank you, happy day of love.
Thank you.