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Andrés Millán, abogado laboralista, claro sobre si es mejor cobrar el salario e…
En España, la mayoría de los trabajadores reciben su salario en doce o catorce pagas
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Financial Expert Debunks 14-Payment Salary Myth: Why Earlier Access to Funds Matters
A recent online video featuring financial expert Lawtips has ignited a notable conversation regarding personal finance strategies, specifically focusing on the structure of annual salary payments. Lawtips presents a compelling argument against the popular 14-payment system, advocating instead for employees to opt for a 12-payment annual salary distribution. His core rationale is rooted in the widely accepted economic principle of the time value of money, asserting that capital received earlier holds greater potential for growth and investment. "It's simple financial logic: the sooner you have your money, the sooner it can start working for you through investments," Lawtips explained in the video, underscoring the benefits of early access to funds.To elucidate his point, the expert provided a practical example involving an annual salary of 24,000 euros. He detailed how receiving 2,000 euros each month over 12 installments provides a consistent and higher monthly cash flow compared to the 14-payment model, which typically involves 1,700 euros monthly supplemented by two additional payments. While the total yearly income remains constant, Lawtips emphasized that the 12-payment structure empowers individuals with more immediate capital, enabling them to initiate investments or manage finances more effectively throughout the year. He critically analyzed the prevailing preference for 14-payment schemes, particularly observed in countries such as Spain, suggesting it might stem from a "limited understanding of fundamental financial principles" and a psychological inclination towards the perceived bonus of extra payments rather than a strategic approach to wealth accumulation. The video serves as an educational piece, aiming to encourage viewers to re-evaluate their salary payment preferences and enhance their financial literacy for optimized personal economic outcomes.
