1.

- I think that personal finances are very important because it´s how you administrate the money
that you have, the resources that earn and how you spend them, it´s absolutly neccesary because
if you don´t have a financial education and if you don´t invest your money you will not achieve to
maintain the style of life that you want or at least that you expect

2.- when I was a child my parents always teach me to save my money that they used to give me,
and I started to know about save money when I was like 7 years old

3.- Yes, it is, if you don’t learn it in your family it´s so complicated because in our school system
there are strategies to teach about personal finances, and definitely it must be implemented
pretty soon to start to create awareness and a new culture in our society and in our country about
savings, invest and spend our money

4.- I think that always it´s time to start to encourage savings in a person, but definitely, it should be
easier to learn for young people when start to generate money, when young people start to work

5.-I think both are same important, first you must learn to save money in order to invest to
generate more money

6.- Yes, it should be, because it creates a new state of awareness because many times you invest
your money thinking about your future, about your plans for life

7.- I should say, that there are many people that great people in their works, and they work so
hard but no one teach them to save money and to invest them, and they always spend whole
money that they earn and even more, and what do you think that should happen if one day they
can not work? They will not have money to survive, that´s the problem.

But if you invest your money, it should increase by the time, and you should have an income even
if you can not work

8.- Of course, there are many applications that could help to administrate the way that we spend,
taking care about our earnings and our expenses.

9.-what I decided to use, it´s a financial tool that help to save money for future, every year during
at least 10 years I must save money and it´s kind of retirement insurance but it´s flexible and I can
use this money after 10 years, but this money will be generating an amount of earnings. After 10
year you can invest this money in a business

10.- Start to save money as a culture, never spend more money that the amount that you earn,
and start to learn in a proactive way using the technologies, there are many videos in YouTube
where you can start to learn about personal finances, and where you can learn which kind of
finance tools should help to achieve your goals.

there many people that have earned a lot of money in their lives but they spend whole money