Most people have all their money in a single bank account and, although it seems normal in the world, it is just the first mistake that is preventing you from saving more … and they are even making you poorer, according to financial advisor Matías Galán, known in Tiktok as @Rumbafinanciero.
“Having only one account is making you a lot poorer because you always have all your money accessible to be able to spend it.” This is how Galán is released in one of his most shared videos, where he begins in one of his classic dialogues with himself (although he makes he not who does not know to advise him). The logic is simple: if you have all the money in the same place, it is much easier for you to spend it without realizing it, and you lose the opportunity to make profitability.
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The ideal is diversifying money in 3 different accounts
And then, what is the trick that those who really save? Simple: they distribute their money in several accounts. For the finance expert having the money in a single bank account is making you lose money, so you have to have it in 3 differentiated accounts that must be so, according to Galán:
- “An account that does not give you any profitability but you have liquidity.”
- “Another account that you have some liquidity, but that gives you a little more profitability.”
- “And another that you have no liquidity for a while, but that benefits you with much more profitability.”
The idea is simple but effective, since according to the finance expert, “thus, when I need money on the one hand I have liquidity and other profitability.” The protagonist himself is impressed with the idea: “Well, I don’t know how I haven’t noticed before!”
Why had your bank never told you?
The answer is easy: banks are not interested to diversify your money in several accounts that may not even be in the same entity. The more you have your money, the easier you spend it and the less it grows. Therefore, the next time you charge, do not put everything in the same account. Divide and win (and save much more than you think).
Do you think this trick is useful? You know: now the question is not how much money you have in the bank, but in how many accounts you have. And if you want more advice of this type, you know who to follow.