De Cero a la Libertad Financiera

What you will achieve

• Understand why your brain sabotages your money decisions, and how to stop it.
• An automatic savings system and a conscious spending plan that does not make life worse.
• A clear plan to get out of debt and a properly sized emergency fund.
• A real grasp of compound interest, inflation and the economic cycle, without jargon.
• A portfolio designed with three buckets, asset allocation and genuine diversification.
• Your account opened, your first DCA scheduled, and the tax rules for funds in Spain working for you.

Full curriculum

Six modules in the natural order of learning, plus an additional module on the methods of the great investors. Short lessons of 3 to 8 minutes so you can move at your own pace. Lessons are in Spanish with English subtitles.

1. Module 1 Money Psychology and Mindset 4 lessons · ~18 min

   Master your own psychology before you touch the markets.

   1. 1.1 What school never taught you about money 3-4 min

      Studying economics versus running your everyday finances; money as a tool for buying time and freedom.

   2. 1.2 Your brain versus your wallet: biological biases 4-5 min

      Why losing 5% hurts twice as much as gaining it feels good (loss aversion), and the danger of linear thinking in an exponential world.

   3. 1.3 Prices measured in "hours of life" 3-4 min

      Work out your net hourly wage and judge every purchase in real working time instead of in euros.

   4. 1.4 The market-timing fallacy 4-5 min

      Why trying to call tops and bottoms destroys returns, and why staying invested for the long run matters.

2. Module 2 Your Financial "Operating System": Habits and Spending 5 lessons · ~23 min

   Build the savings base and financial hygiene without giving up a good life.

   1. 2.1 Pay yourself first (the 20% rule) 3-4 min

      Automate saving the moment your salary lands and put "artificial scarcity" to work.

   2. 2.2 Spending audit and financial "fat" 4-5 min

      Build a conscious spending plan (fixed costs, investing, lifestyle) to cut what adds nothing and spend on what you love.

   3. 2.3 Good debt vs. bad debt 4-5 min

      Borrowing for income-producing assets versus the negative compounding of consumer debt.

   4. 2.4 Getting out of debt: snowball vs. avalanche 4-5 min

      The quick psychological wins of the snowball against the interest-saving maths of the avalanche.

   5. 2.5 The emergency fund: your peace-of-mind cushion 3-4 min

      Size 3 to 6 months of fixed costs and where to keep that cash so a surprise never forces you to sell investments.

3. Module 3 Macroeconomics and Financial Foundations 4 lessons · ~21 min

   Understand how money works in the real world.

   1. 3.1 The eighth wonder: the maths of compound interest 4-5 min

      The formula Cn = C0 × (1 + i)^n, the chessboard paradox and why time is the exponential factor that matters.

   2. 3.2 Inflation: the silent thief of savings 4-5 min

      Why cash in a current account can lose up to 70% of its purchasing power over decades, and how investing beats it.

   3. 3.3 Understanding the economic cycle (GDP, rates and inflation) 5-6 min

      Expansion, recession and stagflation explained simply, and how central banks respond.

   4. 3.4 Bond markets and the price of money 4-5 min

      How rising and falling rates move bond prices, and the difference between credit risk and duration risk.

4. Module 4 Portfolio Architecture and Diversification 4 lessons · ~21 min

   Structure your capital by time horizon and risk profile.

   1. 4.1 The three investment buckets framework 4-5 min

      A liquidity bucket (now), a goals bucket (1–5 years) and a long-term and retirement bucket.

   2. 4.2 Asset allocation and the "100 minus age" rule 4-5 min

      How to shift the balance between equities and bonds or cash as you get older.

   3. 4.3 Structural diversification: "the only free lunch" 4-5 min

      Asset correlation, the 60/40 portfolio, All Weather and Harry Browne's Permanent Portfolio (25/25/25/25).

   4. 4.4 Passive indexing vs. active boutique managers 5-6 min

      When to use the simplicity and low fees of a global index fund (MSCI World) and when to back a skilled independent manager.

5. Module 5 Investment Philosophies and Asset Selection 5 lessons · ~24 min

   Learn the main schools of investing and pick the one that fits your personality.

   1. 5.1 Value investing: buying quality at a discount 4-5 min

      Buying companies below intrinsic value, Warren Buffett style, and key ratios such as ROIC, ROE and ROA.

   2. 5.2 Quality & growth investing: extraordinary businesses 4-5 min

      Investing in tomorrow's monopolies — durable competitive moats or genuine disruption.

   3. 5.3 Dividend growth investing: recurring cash flow 4-5 min

      Building a rising income with established companies (the dividend aristocrats).

   4. 5.4 Large, mid and small caps 4-5 min

      How large, mid and small caps differ, plus an overview of notable boutique funds (MyInvestor Value, Numantia, True Capital, Hamco).

   5. 5.5 When to sell (without letting panic decide) 3-4 min

      Three objective rules for selling: the thesis breaks, the target is reached, or it is time to rebalance.

6. Module 6 Hands-on Workshop, Tax and Execution in Spain 5 lessons · ~27 min

   Take action at the computer with real tools.

   1. 6.1 The tax advantage of investment funds in Spain 4-5 min

      How tax-free fund-to-fund transfers work under Spanish income tax, and how to make the most of tax deferral.

   2. 6.2 Retirement planning and the 4% rule 4-5 min

      How to work out your "independence number" and where pension plans fit.

   3. 6.3 Open a MyInvestor account and set up your first DCA Hands-on5-6 min

      Step-by-step screencast, from opening the account to automating your first recurring monthly contribution.

   4. 6.4 Build your household balance sheet with the Compounding Journey Excel template Hands-on5-6 min

      A guided exercise filling in assets, liabilities and your conscious spending plan.

   5. 6.5 Spending audit with artificial intelligence Hands-on4-5 min

      Export your bank statements and use categorisation and AI tools to find money leaks in 10 minutes.

7. ★ Additional Module: Secrets of the Great Investors Additional 8 lessons · ~64 min

   8 masterclasses on the methods of Graham, Buffett, Lynch, Fisher, Akre and Terry Smith, with practical templates and checklists.

   1. 7.1 The father of value investing: Benjamin Graham and the margin of safety 5-8 min

      The three pillars of The Intelligent Investor, Mr. Market as a manic-depressive partner, and the deep-value "cigar butt" strategy.

   2. 7.2 The evolution of Warren Buffett: from Graham to Munger 5-8 min

      From deep value to quality value: See's Candies, Coca-Cola and Apple as case studies in moats and ROIC > WACC.

   3. 7.3 Peter Lynch's playbook: the six stock categories and the "crayon test" 5-8 min

      Fast growers, stalwarts, slow growers, cyclicals, turnarounds and asset plays — and the traits of the perfect stock.

   4. 7.4 Philip Fisher's 15 points and the "scuttlebutt" method 5-8 min

      Qualitative field research — customers, suppliers, competitors — as your edge over Wall Street.

   5. 7.5 The science of multibaggers: 104 companies that went 10x 5-8 min

      The Alta Fox Capital study: size, moats, barriers to entry and the two engines of return.

   6. 7.6 Chuck Akre's three-legged stool and Terry Smith's three rules 5-8 min

      Spotting compounding machines: an extraordinary business, honest management and reinvestment — and "buy good companies, don't overpay, do nothing".

   7. 7.7 Analyse a company in 5 minutes (6-step checklist) Hands-on5-8 min

      Screencast: business model, margins, ROIC, track record, earnings growth and valuation against history.

   8. 7.8 Building a reverse DCF in Excel to avoid value traps Hands-on5-8 min

      Using the reverse discounted cash flow template: what growth rate today's price demands, and whether it is realistic.

Is it for you?

• It is for you if…

  • You are starting from zero, or you know a bit but have never had a system.
  • You want to invest for the long term without staring at charts all day.
  • You are comfortable following a course in Spanish with English subtitles.
  • You prefer short, practical, well-ordered lessons to hundreds of scattered videos.

• It is not for you if…

  • You want to get rich quick, day-trade or receive buy signals.
  • You expect personalised advice on specific financial products.
  • You already run an advanced portfolio and only want company analysis.

Frequently asked questions