Build Your Financial Foundation

This module covers the definition and purpose of an emergency fund, how to calculate the appropriate size based on your fixed expenses and employment type, and which types of accounts are suitable for holding these reserves. We discuss the psychological and practical reasons for prioritizing liquidity before other financial goals.

An educational overview of the main regulated savings options available in Mexico: traditional bank savings accounts, CETES Direct, SOFIPO accounts, and investment fund basics. We explain what each instrument is, how it is regulated, and the general characteristics that differentiate them. This content is informational and does not constitute a recommendation.

The Costo Anual Total (CAT) is a standardized indicator required by Banco de México for credit products. This module explains what the CAT includes, how it differs from a nominal interest rate, and why it is a useful reference point when comparing financial products. We also cover where to find CAT disclosures in Mexico.

This module reviews the most common commissions charged by Mexican banks: annual card fees, ATM withdrawal fees, account maintenance fees, and transfer charges. We explain where these are disclosed by law, how to read a bank contract, and which regulatory resources are available to consumers in Mexico.

An introduction to the Mexican retirement savings system. We explain the structure of AFORE accounts, the types of contributions (mandatory, voluntary, and complementary), how to locate your AFORE, and the general role of CONSAR as the regulatory body. This content provides general educational information only.

The final module revisits the key concepts from the course and introduces a simple personal framework for organizing financial decisions. We discuss how to think about sequencing financial priorities, the value of periodic review, and when to seek guidance from a certified financial professional.