{"id":2094,"date":"2025-02-24T12:58:30","date_gmt":"2025-02-24T11:58:30","guid":{"rendered":"https:\/\/educatudinero.com\/podcast\/la-jubilacio\/"},"modified":"2026-03-16T12:51:12","modified_gmt":"2026-03-16T11:51:12","slug":"la-jubilacio","status":"publish","type":"podcast","link":"https:\/\/educatudinero.com\/ca\/podcast\/la-jubilacio\/","title":{"rendered":"La jubilaci\u00f3"},"content":{"rendered":"\nLa <strong>jubilaci\u00f3<\/strong>, alguna cosa que ens afecta a tots i que potser pocs de nosaltres sabem sobre ella. I \u00e9s que, alguna vegada has calculat quina pensi\u00f3 et tocaria? Alguna veu ha estat el tema estrella de conversa en un sopar?\n\nEn aquest cap\u00edtol descobrim qu\u00e8 \u00e9s, com saber si et toca o no una <strong>pensi\u00f3<\/strong>, i de quant seria aquesta pensi\u00f3. I ho fem de nou de la m\u00e0 d&#8217;<strong>Oscar de la Mata<\/strong>, consultor i assessor financer independent, amb el qual en el cap\u00edtol 35 parlem sobre la declaraci\u00f3 de la renda.\n<p data-encore-id=\"text\" data-slate-node=\"element\" data-slate-fragment=\"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\"><strong>RECURSOS MENCIONATS<\/strong><\/p>\n\n<ul>\n \t<li data-encore-id=\"text\" data-slate-node=\"element\" data-slate-fragment=\"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\"><a href=\"https:\/\/educatudinero.com\/ca\/\" target=\"_blank\" rel=\"noopener\">Curs Finanzas Concientes<\/a><\/li>\n<\/ul>\n<strong>MINUTATGE<\/strong>\n<p class=\"e-9640-text encore-text-body-medium\" data-encore-id=\"text\" data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">\u20180 INTRO: LA JUBILACI\u00d3 I L&#8217;ALVOCAT<\/span><\/span><\/p>\n<p class=\"e-9640-text encore-text-body-medium\" data-encore-id=\"text\" data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">\u20182 CONCEPTES INICIALS<\/span><\/span><\/p>\n\n<ul class=\"sc-dTSHqv yQyDa\" data-slate-node=\"element\">\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">La dimensi\u00f3: els diners gastats en 30 anys en alta velocitat no pagarien ni 4 mesos de pensions actuals. <\/span><\/span><\/li>\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">Com funciona? Qui est\u00e0 pagant les pensions actuals? El repte demogr\u00e0fic.<\/span><\/span><\/li>\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">La festa de les pensions, el past\u00eds i la import\u00e0ncia de controlar la nevera de casa teva.<\/span><\/span><\/li>\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">L&#8217;esperan\u00e7a de vida creix. Com impacta aix\u00f2 en les pensions?<\/span><\/span><\/li>\n<\/ul>\n<p class=\"e-9640-text encore-text-body-medium\" data-encore-id=\"text\" data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">\u201916\u00a0 EM CORRESPON PENSI\u00d3 DE JUBILACI\u00d3?<\/span><\/span><\/p>\n<p class=\"e-9640-text encore-text-body-medium\" data-encore-id=\"text\" data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">\u201919 CALCULAR DE QUANT SERIA LA MEVA PENSI\u00d3<\/span><\/span><\/p>\n\n<ul class=\"sc-dTSHqv yQyDa\" data-slate-node=\"element\">\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">Mira en la teva n\u00f2mina la base de cotitzaci\u00f3<\/span><\/span><\/li>\n \t<li data-slate-node=\"element\"><a class=\"Link-sc-k8gsk-0 feDGbw e-9640-text-link sc-fAnexc kGKwiv\" href=\"https:\/\/portal.seg-social.gob.es\/wps\/portal\/importass\/importass\/Categorias\/Vida+laboral+e+informes\/Informes+sobre+tu+situacion+laboral\/Informe+de+tu+vida+laboral\" data-slate-node=\"element\" data-slate-inline=\"true\" data-encore-id=\"textLink\" target=\"_blank\" rel=\"noopener\"><span contenteditable=\"false\">\u2060<\/span><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">On puc consultar la meva vida laboral? <\/span><\/span><span contenteditable=\"false\">\u2060<\/span><\/a><\/li>\n \t<li data-slate-node=\"element\"><a class=\"Link-sc-k8gsk-0 feDGbw e-9640-text-link sc-fAnexc kGKwiv\" href=\"https:\/\/prestaciones.seg-social.es\/simulador-servicio\/simulador-pension-jubilacion.html\" data-slate-node=\"element\" data-slate-inline=\"true\" data-encore-id=\"textLink\" target=\"_blank\" rel=\"noopener\"><span contenteditable=\"false\">\u2060<\/span><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">SIMULADOR PENSI\u00d3 SEGURETAT SOCIAL:<\/span><\/span><span contenteditable=\"false\">\u2060<\/span><\/a><\/li>\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">Pensi\u00f3 m\u00ednima i pensi\u00f3 m\u00e0xima<\/span><\/span><\/li>\n \t<li data-slate-node=\"element\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">La pensi\u00f3 es paga en 14 pagues!<\/span><\/span><\/li>\n<\/ul>\n<p class=\"e-9640-text encore-text-body-medium\" data-encore-id=\"text\" data-slate-node=\"element\" data-slate-fragment=\"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\"><span data-slate-node=\"text\"><span class=\"sc-eeRdLU hpUMHV\" data-slate-leaf=\"true\">\u201936 EL COMPTE ENRERE<\/span><\/span><\/p>\n<p data-encore-id=\"text\" data-slate-node=\"element\" data-slate-fragment=\"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\">Ja pots escoltar l&#8217;episodi i seguir-nos a: <a href=\"https:\/\/go.ivoox.com\/rf\/140336476\" target=\"_blank\" rel=\"noopener\">Ivoox<\/a>,\u00a0<a href=\"https:\/\/open.spotify.com\/episode\/6v7SLCXrhvyw0zUqzKRTJU?si=b723d29034524ac1\" target=\"_blank\" rel=\"noopener\">Spotify<\/a> i\u00a0<a href=\"https:\/\/podcasts.apple.com\/us\/podcast\/56-la-jubilaci%C3%B3n-oscar-de-la-mata\/id1644673905?i=1000695444344\" target=\"_blank\" rel=\"noopener\">Apple Podcasts<\/a><\/p>\n<iframe loading=\"lazy\" style=\"border-radius: 12px;\" src=\"https:\/\/open.spotify.com\/embed\/episode\/6v7SLCXrhvyw0zUqzKRTJU?utm_source=generator\" width=\"100%\" height=\"352\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\"><\/iframe>\n\nGr\u00e0cies per escoltar Educa Tu Dinero! Si vols posar-te en contacte amb nosaltres o resoldre algun dubte escriu-nos a podcast@bfs-ief.com\n","protected":false},"excerpt":{"rendered":"<p>La jubilaci\u00f3, alguna cosa que ens afecta a tots i que potser pocs de nosaltres sabem sobre ella. 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