Mis fianzas… Millennial, suma 10 años más a tu ciclo de vida

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Mis finanzas

Alberto Tovar

El ciclo de vida es relevante para las finanzas personales porque los requerimientos financieros se van generando en función de la responsabilidad de cada etapa. En ese sentido, todo parece indicar que los millennials se han desfasado alrededor de 10 años.

Si antes los jóvenes se casaban a los veinte años, ahora lo hacen a los treinta, pero también si las generaciones posteriores se jubilaban a los 65 años, es probable que ellos lo harán a los 75. Esta transformación tiene una buena dosis de implicaciones en la administración del dinero.

Las razones son múltiples, como los bajos sueldos que dificultan independizarse, los aspectos tecnológicos, los avances médicos, la globalización e incluso los cambios en los valores sociales. Este fenómeno ha sido permanente, pensemos por un momento que en la edad media una persona ya era vieja a los 45 años y debía alcanzar su potencial máximo pronto; mientras que ahora hay quienes siguen laborando a los setenta años.

Los millennials, son hijos de papás que querían dar “lo que ellos no tuvieron”, siendo permisivos y propiciando el individualismo. Para colmo, se atravesó un lento dinamismo en la economía mexicana en el que los jóvenes han sufrido una reducida absorción en el aparato productivo. Por lo tanto, los hijos pasan más tiempo en la casa paterna.

El riesgo es caer en el síndrome de Peter Pan, en el que no pueden dejar de ser hijos, para convertirse en padres, cayendo en la fiesta continua y en múltiples relaciones sentimentales.

El problema es que un ritmo de vida liberal provoca un alto nivel de gasto y menor ahorro, lo cual podría complicar destinar recursos para la vejez en un momento en que el sistema de pensiones está basado en cuentas individuales a través de las Afores, siempre y cuando se ocupen en el sector formal, porque de otra manera ni eso tendrán.

Esto no necesariamente esta mal, simplemente se modifican las consecuencias como ha sucedido a lo largo de la historia. Empiezan ciertas responsabilidades después, pero también hay un desplazamiento en términos de años. Es el caso de los deberes con su propia familia y el requerimiento de trabajar un mayor número de años.

La buena noticia es que la pirámide de edades se ha alterado de forma significativa y con seguridad habrá menos dificultades para emplearse de viejos.

Todos los elementos desembocan en la jubilación que de manera natural se posterga y podría incidir en un retraso de una década, llegando a los 75 años.

¿Estás preparado?

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