¿Cómo sabes la diferencia entre un activo y un pasivo?
In this Spanish‑language financial‑advice monologue, Helena Soto explains how to distinguish an asset (activo) from a liability (pasivo) in personal finance. She defines a liability as any purchase that immediately loses value, incurs ongoing costs, and does not generate income—using a personal car, the primary residence, and designer handbags as examples. Conversely, an asset is described as something that puts money into the owner’s pocket, either through regular cash flow or appreciation, illustrated by a rental property, certain jewelry (e.g., a watch), and other items that can be sold for profit. She emphasizes a simple decision rule: before buying, ask whether the item will put money in or take money out of your pocket. The core takeaway is to consistently evaluate purchases using this rule to build wealth.
