{"id":283,"date":"2017-04-18T18:22:29","date_gmt":"2017-04-18T18:22:29","guid":{"rendered":"https:\/\/cashtime.com\/smart-spending-decisions-for-young-adults\/"},"modified":"2025-09-04T16:54:29","modified_gmt":"2025-09-04T16:54:29","slug":"decisiones-de-gasto-inteligentes-para-jovenes-adultos","status":"publish","type":"post","link":"https:\/\/cashtime.com\/es\/smart-spending-decisions-for-young-adults\/","title":{"rendered":"Decisiones de gasto inteligentes para j\u00f3venes adultos"},"content":{"rendered":"<p>Empezar en la vida y tomar las decisiones correctas que te ayuden a crecer y a asegurarte un futuro confortable implica direcci\u00f3n y orientaci\u00f3n. Para ayudarte a tomar decisiones de gasto inteligentes que dar\u00e1n sus frutos en el futuro y proteger\u00e1n tus intereses, aqu\u00ed tienes algunas inversiones que puedes hacer en ti y para ti.<\/p>\n<p><strong class=\"jqtransformdone\">Invierte en tu educaci\u00f3n<\/strong><\/p>\n<p>Ir a la universidad es un compromiso de varios a\u00f1os que cuesta miles de d\u00f3lares, pero hay pruebas sustanciales de que un t\u00edtulo universitario puede tener un impacto significativo y positivo en su futuro financiero y su trayectoria profesional. Seg\u00fan <a href=\"https:\/\/www.bls.gov\/emp\/ep_chart_001.htm\">Oficina de Estad\u00edsticas Laborales<\/a>Las personas con un t\u00edtulo universitario ganan una media de $1.137 a la semana, frente a las que s\u00f3lo tienen un t\u00edtulo de secundaria, que ganan una media de $678 a la semana.<\/p>\n<p>&nbsp;<\/p>\n<p>Aunque ir a una universidad tradicional de cuatro a\u00f1os es una forma estupenda de invertir en uno mismo, no es la \u00fanica opci\u00f3n. Hay muchos campos profesionales diferentes y v\u00edas educativas que conducen a ellos. Existen escuelas de oficios y programas de certificaci\u00f3n y formaci\u00f3n para carreras de todo tipo, desde inform\u00e1tica y sanidad hasta inmobiliaria y mec\u00e1nica, que ofrecen la oportunidad de ganarse bien la vida. La clave est\u00e1 en encontrar un campo que te interese e invertir en educaci\u00f3n y formaci\u00f3n para encaminarte hacia esa carrera.<\/p>\n<p>&nbsp;<\/p>\n<p><strong class=\"jqtransformdone\">Crear un fondo de emergencia<\/strong><\/p>\n<p>Destinar una parte del sueldo a crear un fondo de emergencia debe ser una prioridad. La mayor\u00eda de los asesores recomiendan ahorrar seis meses de gastos en una cuenta de ahorros a la que se pueda acceder f\u00e1cilmente en caso de necesidad, para hacer frente a reparaciones inesperadas de la casa o el coche y a gastos m\u00e9dicos, o para que sirva de colch\u00f3n en caso de p\u00e9rdida del empleo. Disponer de un fondo de emergencia evita acumular deudas innecesarias cargando esos gastos sorpresa en tarjetas de cr\u00e9dito con intereses elevados. Tambi\u00e9n proporciona un colch\u00f3n de alivio al que recurrir en momentos de necesidad o dificultades financieras.<\/p>\n<p>&nbsp;<\/p>\n<p><strong class=\"jqtransformdone\">Ahorrar para la jubilaci\u00f3n<\/strong><\/p>\n<p>Nunca es demasiado pronto para ahorrar para la jubilaci\u00f3n. Si tu trabajo ofrece un plan 401k o un programa de jubilaci\u00f3n similar, no dudes en participar en \u00e9l. Muchos ofrecen una aportaci\u00f3n de la empresa que iguala hasta un porcentaje fijo de lo que inviertas. Es una oportunidad de conseguir dinero gratis. Incluso si no existe un programa de aportaciones paralelas, el dinero que inviertes est\u00e1 antes de impuestos, lo que significa que la parte de tu sueldo que se destina a tu 401k no est\u00e1 sujeta a impuestos. Una cuenta de jubilaci\u00f3n individual (IRA) es otra opci\u00f3n para ahorrar para el futuro. Hablar con un asesor financiero para que te ayude a establecer un camino hacia la jubilaci\u00f3n tambi\u00e9n es una buena forma de invertir en tu futuro para tener una orientaci\u00f3n financiera.<\/p>\n<p>&nbsp;<\/p>\n<p><strong class=\"jqtransformdone\">Comprar una casa<\/strong><\/p>\n<p>Una de las mayores decisiones financieras que puede tomar una persona es comprar una casa. Ofrece una sensaci\u00f3n de orgullo y seguridad, y en lugar de pagar a otra persona un alquiler por usar su casa, te est\u00e1s pagando a ti mismo por vivir donde est\u00e1s. Cada vez que paga una hipoteca, est\u00e1 acumulando capital en su vivienda. Con el tiempo, ese crecimiento del patrimonio le llevar\u00e1 a tener una casa pagada sin necesidad de volver a hacer pagos, lo que le dejar\u00e1 con un gran activo en su cartera.<\/p>\n<p>&nbsp;<\/p>\n<p>Empezar con buen pie invirtiendo en uno mismo es clave para crear seguridad y planificar el futuro. Si eliges tomar decisiones financieras inteligentes que te compensen m\u00e1s adelante y te protejan de los imprevistos, estar\u00e1s allanando el camino hacia el \u00e9xito financiero.<\/p>","protected":false},"excerpt":{"rendered":"<p>Getting started in life and making the right decisions to help you grow and secure a comfortable future involves direction [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-283","post","type-post","status-publish","format-standard","hentry","category-uncategorized"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.8 - 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