The inflation It does not stop growing in Spain, and the price of housing reaches maximums from salaries that remain stagnant. But that is no excuse to save every month and even daily. Because if you want, you can. This clear is the economist Iñaki Arcocha, which in the podcast ‘Roca Project’ analyzes the so -called ant expenses (The coffee break or the snacks on the street with friends) and explain how to cut them and invest with head can be added up to 10,000 euros in 10 years.
Now, with the SMI ascent to 1,184 euros in 14 payments, and the average salary at 15,575 euros According to INE data in May 2025, it is important to know when and above all, where to spend money. The economist is clear, any ‘ant’ expense is unnecessary and can be eliminated and replaced. “Think for example in coffees, that if they are daily they suppose 2 euros, which add up to 700 euros a year that is approximately what a flight from Madrid costs to New York and if that money you invest 5% for 10 years, it is 10,000 euros.”
You may be interested
The businessman José Elías tells the reality of business: “Selling at Amazon will not make you billionaire”
Pau Antó, real estate advisor on how to negotiate with Okupas: “They can leave where you want because the law is in their favor”
And although what tends to think is that this amount is not so high either, “you have taken it after taking 2 euros.” “You have to think about these little 2 euros in our lives that can be eliminated to get a better future.”
This could be a double -edged sword, since many find in this philosophy a “miserable” way of living life. “Savings do not plan, and why don’t they? When we go to the purchase we know and we are clear about what we are going to take or when you leave vacations, look up many things … Why don’t we do it on a day to day.”
“Do you really need all the streaming platforms you have?”
Eliminate superfluous expenses such as coffee also goes through the use (and annual or monthly payment) of streaming platforms such as Netflix or HBO, for example. “Do you need them?” “When they put coffee, you only see coffee, not the 2 euros. It can be an important change when you add other things but there is another more important and it is the one you do in your head.”
“If you are constant for enough time, you will do well,” says the economist who also made a reflection on the differences between the subsistence economy of those who are now retired and today’s day.
“Our parents did not eat so much because there were not so many options,” a reflection that, “is always the same because they said that in their parents’ times they lived better, these of the grandparents and then the great -grandparents.”
“We are always thinking about scarcity but not abundance”
At the moment when you start saving, another key point must be taken into account that is the investment. “Saving without investing is like paying a buffet and not repeating”, since “you will eat inflation and you will not notice the change of mentality since investments will give more resources to think about what to invest.”
“Scratching the last euro everywhere is a mentality of scarcity because, ultimately you can choose not to spend anything, and at this time your ability to save and then you die,” he said during his speech.