Finance on the Path

Plan your financial future with confidence

Every important moment in your life has a cost. Discover how to prepare financially for marriage, the arrival of a child, university education, and the peaceful retirement you deserve.

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Family financial planning

Why plan your life's finances?

Life is full of extraordinary moments that transform our existence. Each of these milestones brings not only intense emotions and profound changes, but also significant financial responsibilities that require careful preparation.

Security

Protect your family from economic uncertainties through intelligent planning that anticipates future needs.

Growth

Build wealth progressively by leveraging the power of compound interest and strategic investments.

Peace of Mind

Enjoy every moment without constant financial worries thanks to a solid and realistic plan.

The four financial stages of your life

Each life phase presents unique challenges. Learn about real costs and how to prepare.

1

Marriage: The beginning of a new life

Marriage represents much more than a ceremony. It's the start of a shared life project that requires joint financial planning from the very first moment.

Estimated costs in Mexico:

  • Average wedding: $250,000 - $500,000 MXN
  • Honeymoon: $40,000 - $80,000 MXN
  • Home preparation: $100,000 - $200,000 MXN

Key strategies:

Establish a realistic budget considering priorities, create a joint emergency fund equivalent to six months of expenses, and define shared financial goals for the short and long term.

Couple planning wedding
2

Birth of a child: Expanding the family

The arrival of a baby completely transforms the family financial structure. Expenses increase significantly and needs multiply in all areas.

First year costs:

  • Delivery and medical care: $30,000 - $100,000 MXN
  • Monthly basic products: $5,000 - $8,000 MXN
  • Daycare (if applicable): $3,000 - $8,000 MXN monthly

Smart preparation:

Get comprehensive family health insurance before pregnancy, start an education fund from birth leveraging compound interest, and adjust your monthly budget in advance.

Family with newborn
3

University education: Investment in the future

Higher education is one of the most important and costly investments you'll make for your children. Planning ahead makes the difference between stress and peace of mind.

University costs in Mexico:

  • Private university: $800,000 - $1,500,000 MXN (complete degree)
  • Public university: $50,000 - $150,000 MXN (total expenses)
  • Living expenses and materials: $6,000 - $12,000 MXN monthly

Saving options:

Consider educational savings plans with tax benefits, explore long-term investment funds with attractive returns, and research available scholarships and government support.

University student
4

Retirement: Enjoying what you built

Retirement isn't the end of the road, it's the time to reap what you've sown. Adequate planning ensures you can enjoy this stage with dignity and financial freedom.

Estimated needs:

  • Fund for comfortable retirement: $3,000,000 - $6,000,000 MXN
  • Annual medical expenses: $50,000 - $100,000 MXN
  • Lifestyle maintenance: 70-80% of current income

Start today:

Take advantage of AFORE and increase your voluntary contributions regularly, diversify investments in fixed income and variable instruments, and plan at least twenty years in advance.

Happy retired couple

Effective financial planning methods

Practical tools to take control of your personal finances.

01

50/30/20 Budget

Distribute your income intelligently: 50% for essential basic needs, 30% for wants and quality of life, 20% for savings and future investment.

02

Emergency fund

Build a financial cushion equivalent to six months of fixed expenses. This fund protects you against unforeseen events without resorting to costly debt.

03

Automated investment

Schedule automatic transfers to savings and investment accounts every time you receive your salary. What you don't see, you don't spend.

04

Debt reduction

Use the avalanche method to eliminate debts: prioritize those with higher interest rates while maintaining minimum payments on others.

05

Smart diversification

Don't put all your resources in one place. Distribute investments among low, medium, and high-risk instruments according to your profile.

06

Quarterly review

Evaluate your finances every three months. Adjust budgets, rebalance investments, and ensure you're staying on track toward your goals.

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% of Mexicans without savings
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average years to retirement
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% spend more than they earn
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% save for education
Financial advisory

The importance of financial education

Financial education is not a luxury, it's a fundamental necessity in the modern world. Understanding how money works, how it grows through smart investments, and how to protect it from impulsive decisions can make the difference between a life of economic stress and an existence with real financial freedom.

In Mexico, the culture of saving and investing is still developing. Many families learn about finances through costly mistakes that could be avoided with basic knowledge. Access to clear and practical information about personal financial planning is the first step to building a more prosperous and secure future.

Important fact: People with basic financial education save on average 40% more than those without this knowledge.

Practical tips for each stage

For marriage

  • Talk openly about finances with your partner before getting married
  • Define whether you'll manage separate, joint, or a mixed account system
  • Establish monthly meetings to review expenses and shared goals
  • Consider a prenuptial agreement if there's significant assets
  • Plan the wedding at least a year in advance to avoid debt

For baby's arrival

  • Start a specific fund for first-year expenses from pregnancy
  • Compare hospital and health insurance prices in advance
  • Accept second-hand products from family to reduce costs
  • Research government support programs for mothers and fathers
  • Open an education savings account from baby's birth

For university

  • Explore all available scholarship options from high school
  • Consider quality public universities to drastically reduce costs
  • Evaluate if part-time work is viable for the student
  • Research educational loans with preferential rates and long terms
  • Plan fifteen years in advance to leverage compound growth

For retirement

  • Make voluntary contributions to your AFORE taking advantage of tax deductions
  • Calculate how much you need considering inflation and increased life expectancy
  • Invest in properties that generate passive income in your retirement
  • Maintain updated and current major medical insurance
  • Plan activities and personal projects that give meaning to this stage

Need personalized guidance?

Contact us to receive information about financial planning adapted to your particular situation.

Contact information

Address

Montecito 38, Nápoles
Benito Juárez, 03810
Mexico City, CDMX