¿Te vas a jubilar tú… o solo ellos?
Hay preguntas que duelen porque son necesarias. Esta es una de ellas:
¿Te vas a jubilar tú… o solo ellos?
No es un juego de palabras. Es una realidad incómoda.
España ha entrado oficialmente en su mayor proceso de jubilación colectiva. Cada mes, miles de personas de la generación del baby boom salen del sistema productivo con la mochila llena de años cotizados… y el sistema, con la caja vacía.
Pero mientras ellos se jubilan, muchos otros —quizás tú— siguen esperando que algún día “llegue su turno”.
¿Y si ese turno no llega?
¿Y si te toca mirar desde la grada cómo otros cobran lo que tú nunca llegarás a ver?
El contrato invisible que se rompió
Durante décadas nos dijeron:
“Trabaja duro, cotiza, y al final recibirás lo tuyo.”
Eso nunca fue cierto, no existe la certeza de que vayas a cobrar en términos proporcionales a lo aportado. Además…
Vivimos más. Trabajamos más. Cotizamos más inestablemente. Y el sistema ya no da para todos. Lo que antes era un «derecho adquirido», ahora parece un premio de lotería. Y no todos tienen papeleta.
Porque la verdad es esta:
Cada nuevo jubilado es una promesa que alguien debe pagar.
Y si no hay suficientes cotizantes, si no hay empleo de calidad, si no se reforma el modelo… la promesa se rompe.
¿Qué estás construyendo tú?
La salud financiera no empieza a los 65 (o 67, o 71 como en Dinamarca).
Empieza cuando decides tomar las riendas.
Y se construye con tres pilares que no dependen de ningún partido ni de ningún BOE:
- Visión. ¿Cómo quieres vivir cuando pares de trabajar? ¿Quieres llegar con tiempo, energía y libertad?
- Acción. ¿Estás ahorrando? ¿Invirtiendo con criterio? ¿Formándote o dejándolo “para después”?
- Autonomía. ¿Tomas tus decisiones económicas o delegas tu futuro en manos ajenas?
Se trata de libertad vital. De no llegar a viejo y depender de un calendario ajeno para vivir con dignidad. Cuando escribí el libro ¿Quieres cobrar tu pensión? desarrollé una propuesta de reforma de sistema que no ha llegado a término (de momento).
No te jubiles de tus finanzas
Lo más doloroso no será no poder jubilarte. Será darte cuenta de que podías haberlo evitado… y no lo hiciste.
Así que te pregunto una vez más:
¿Te vas a jubilar tú… o solo ellos?
Ejercita tu músculo financiero con Esmeralda Gómez López.
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