[00:02] investments.  The SP500 is very good, but it's only the United States.  What about the rest of the world?  I include an indexed fund of Europe, Japan and emerging countries, where here you have China, Taiwan, India, Brazil, Mexico.  Here you
[00:16] already have the whole world and don't worry about artificial intelligence because it's already included.  If so, complement it with a little gold and Bitcoin.  Now, before doing all this, you have to do three things.
[00:28] First, have an emergency fund and put it in a high-yield savings account like Revolut Republic, which currently offers 2% interest with monthly payments, without any penalty if you withdraw it in case of any emergency, as these can
[00:41] happen without warning.  Second, eliminate bad debt.  What good is investing and earning 8% annually if you're paying a typical Cofidis quick loan at 24%? Mathematically, there's no question about it.  And third, make your first investment in a
[00:55] pension plan, because you can lower your IRPC taxable income by up to €15,500 each year, which means paying about €450 less in taxes. Pension plans used to be terrible, but now they're very good.  You already know what to
[01:10] invest in, but what percentage, what weight in each of the investments I have in each of the investments I have written in the description.