La educación y las finanzas personales

Evidentemente los valores éticos en el individuo se van adquiriendo en el núcleo familiar; la educación es fundamental en la adquisición de los valores. Así entonces los valores sociales son un aprendizaje para la socialización; y una buena parte de la personalidad se constituye de los valores recibidos en casa, además del entorno que los padres construyan para sus hijos. Cada familia construye su propia versión de los valores, y pondera cuáles son los valores más importantes. La libertad, la empatía, la conmiseración, la solidaridad, el trabajo, la honestidad, son valores que las personas aprenden para emprender su intención y voluntad, y para ser sujetos sociales en su entorno; sin embargo, la escala de valores es absolutamente arbitraria, como arbitraria es la selección de elementos que pueden ser considerados como un valor. El lenguaje, el respeto, la felicidad, la racionalidad, y hasta el dinero, pueden o no, ser susceptibles de ser considerados valores éticos con proyección social. Tal vez para la mayoría, el Dinero sólo sea un valor en cuanto que se le considera un objeto de cambio, entonces el ‘dinero’ es sólo un mediador de satisfactores el cual conlleva una utilidad tasable; esto es, el dinero tiene en sí, una única utilidad mercantil como capacidad económica. Pero el dinero es un concepto y una relación que raya en lo filosófico porque puede definirse como una estrategia de amortización permanente para la vida. Sólo así, el Dinero es un valor social al cual los padres de familia deben comprometerse para educar a sus hijos en estrategias financieras; lo cual no significa educar a sus hijos con una perspectiva materialista de la vida respecto del consumo como un fin. Hacer del dinero un fin, no es parte de una estrategia para la vida, porque no se trata de tener para consumir; sino de generar un estado de solvencia a partir de enseñanzas sobre el trabajo inteligente, y no sobre el trabajo arduo. Hablar de dinero en el núcleo familiar no sólo fortalece lazos y mantiene vínculos, también genera perspectivas y proyecciones financieras para la vida. No se trata de enseñar a los menores de edad el hábito del ahorro; se trata de concientizar un aspecto de la vida con el cual jamás se ha de poder separar, el dinero es para siempre. Desde que amanece hasta que anochece, cada comida, cada uso del sanitario, los atavíos y la indumentaria cotidiana, los placeres, los antojos, las diversiones, los eventos formales, la muerte, la salud, el calzado, calmar la sed, cubrirse del frío, todo requiere de dinero para vivir, y para morir. Si una persona no ha sido educada desde casa para relacionarse bien con el dinero, la frustración, la angustia, la depresión, y el agobio, serán las cadenas con las cuales se sostenga el rencor y la envidia. Las buenas relaciones con el dinero pasan por la salud mental, y las satisfacciones en la vida. No sólo se pueden exponer los gastos y necesidades familiares, también se deben exponer las estrategias de ahorro, y los instrumentos financieros para hacer crecer el capital familiar; los menores deben entender que el 30% del ingreso total de la familia se destina al ahorro, y a un capital de solvencia. Los padres de familia pueden enseñar a sus hijos que hay herramientas que vigorizan el valor económico del ahorro. Las familias pueden accesar a la información oportuna sobre el mecanismo de inversión en el Mercado de Divisas para hacer que el capital de inversión trabaje para generar dividendos que apoyen la economía de la familia.

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