Hablando de Pensiones... en VIVO!!!!! 29 de mayo del 2026

Added: 2026-06-02

[00:00:05]Hello good evening. I hope you are well and that you have had a very productive week. I do. And good night, producer.

[00:00:13]Good night. How are you? Today we're walking, today we don't have an intro.

[00:00:19][laughs] There are going to be some radical changes.

[00:00:25]Forward.

[00:00:26]Now let's begin with the first question.

[00:00:29]More questions are piling up. Remember that people on their phones can create hype. Uh, it's a word so that we can be recommended to more people and we can advise more people so that they can retire properly. Let's start with the first questions. I think they're very calm, there are no questions right now.

[00:00:59]Take advantage of this opportunity and ask lots of questions.

[00:01:04]Carlos Fernando Sabido Castil.

[00:01:07]Good evening, Ernesto. I am Ernesto, an accountant. I am a pensioner. If I help my sister pay for tax purposes (Modality 40), could I have problems with the SAT (Mexican Tax Administration Service)?

[00:01:15]When I get the borrowed one back, I won't have any more problems.

[00:01:18]No, no, no problem. In this case, you need to document the information. You lend it to him, make a small contract where he agrees to pay the same amount and there will be no interest.

[00:01:39]Then, when she receives her money, she can deposit it back to you, paying you back that loan, and that's it. Then it's worth it. Um, it's important that we take into account every time we make a transfer like these, uh, when we make a transaction, we put in the description what it was for, for example, payment of modality 40, or loan payment, identify it because they can ask you for accounts, not just the INS, but also the SAT, uh, it's called the origin of the resources. Tell me where you got that money. If you have no income, how do you prove to me that you paid me? Then it's very easy. My brother, who does have an income because he has a pension, lent it to me, and that's why I paid for modality 40, and I will pay him back when I receive my pension.

[00:02:54]Sorry, [laughs] we caught her eating.

[00:02:58]Yes. Angeluz Huerta, good evening everyone.

[00:03:01]Hello how are you? Ángeluz Huerta, yes, I can hear you when I'm all the way over there.

[00:03:04]Yes, yes, yes. Oh well, what can you do? [laughter] [suppressed scream] This, Angeluz, a big hug, may God bless you. And remember, if you need a projection before, during, or at the end, you always need to have a second piece of information that has nothing to do with social security. There you can make a comparison to see how you did. If you 're looking at the calculations, you're screwed, but if you already have the amount, you might discover that you weren't paid for something. So it's important.

[00:03:42]Contact Angeluz Huarta. Here on the banner below, her phone numbers appear, and in any video description, Angeluz Huarta's information has been there for many years.

[00:04:02]Roberto Diz, "Greetings from Mexico City. Hey, Accountant García, present for today's class, let's learn more.

[00:04:09]Greetings to the producer L, uh L Huerta, L Durón, and thank you for your attitude, and blessings to you.

[00:04:17]Thank you, Robert, a big hug so we do n't get taken advantage of.

[00:04:21]Yes, what to say.

[00:04:22]Ah, you forgot that hug. Oh well [laughs] it'll be another Roberto.

[00:04:29]Mauro García, greetings.

[00:04:31]Good evening, García. Greetings to you and your entire team from Toluca, State of Mexico.

[00:04:36]Hello, how are you?

[00:04:39]Martín del Castillo Velascoa. Uh, good evening. Greetings to the accountant and the producer from Tutlán, State of Mexico.

[00:04:45]Ah, excellent. A big hug.

[00:04:47]Blessings.

[00:04:49]Now more people are encouraged to write to us.

[00:04:52]Felipe Herrera, good evening, accountant.

[00:04:54]Hello, how are you? Good evening.

[00:04:57]César Ángeles Rodríguez, uh, no, César Ángel, not Genaro Rodríguez.

[00:05:03]Genaro.

[00:05:04]Ah, Genaro Rodríguez. Hello to all the work team, Greetings from Santa Lucía, Querétaro, a big hug.

[00:05:10]Thank you, Santa Lucía Monterrey, and Tomás Campechano Park. Tomás Campechano, good evening to you all and to the producer. Greetings from Tonalá, Jalisco.

[00:05:20]Thank you, a big hug to all of Guadalajara and all of Jalisco.

[00:05:28]Uh, I'm 50. Uh, Efrén Fuentes, I'm 59 years old, 817 weeks. Think about going for the guaranteed minimum. If I wait the 6 months plus one day, will it be the pension or the minimum? Yes, of course, but you have to keep paying. It's not... people often make the mistake of thinking they've already turned 60, and it's just a matter of waiting. You don't have to reach 60 and a half years and one day, but you have to keep contributing so they count and your pension goes up a little, an additional 5%.

[00:06:12]Luca, good evening, accountant. My dad already went to the clinic and they told him that this thing about increasing pensions doesn't exist.

[00:06:16]Who told him that? They rejected him.

[00:06:18]Yes, it's not like that, I mean, you have to understand the concepts, increase pensions. Uh, I'll give you an example. When they grant you a pension, it's a done deal. They've already given you a ruling.

[00:06:38]Now, unless they made a mistake in the calculation, they can modify your pension.

[00:06:48]That's modifying the pension because they did n't give you the 1.1, they did n't give you the calculation for your children, they didn't give you the calculation for your spouse. There you can modify it, but what we're going to request is an update, right? I mean, remember that when we talk, everyone at Social Security gets nervous when we want to increase the pension because that doesn't exist. Unless you prove that the Social Security Institute (IMSS) made a mistake in the calculation. Then it's valid. What we're going to request right now is to update your pension. It states that all pensions have to be updated according to the National Consumer Price Index (INDE) every February. So that does exist and it's in the law, and they have to be updated.

[00:08:00]Mario Pérez, hello accountant, greetings to you and your entire team.

[00:08:03]Ready for today's class? Greetings from the beautiful state of Querétaro.

[00:08:06]Thank you, and a big hug to everyone in Querétaro. So, uh, it says no, I mean, Lucía Luca is referring to updating the pension, right? Updating. Yes, yes, that's what the update is. If they don't pay you at least the minimum wage, then they're in breach of contract. That's what the update is, not an increase in the pension. It's the update there, uh, that they deny it in writing. If they deny it in writing, then you can sue. They won't answer you, though, because that 's illegal. Yes. Once they deny it, uh, then you can sue them, but right now they'll brush you off, saying, well, the pension can't increase because the pension doesn't increase. Yes, it does increase, but it is updated every year.

[00:09:10]Miguel Flores Villa, good evening, accountant, and also to your entire community.

[00:09:14]Thank you, a big hug Hugs, Miguel.

[00:09:16]Miguel Flores Villa. My dad's date is the 16th, I think it's March. March 2026. He's due to leave, right? My dad leaves on March 16, 2026. He has 73,146 weeks of contributions.

[00:09:31]What's better? Paying retroactively for Modality 40 from March at the sub-delegation office or starting Modality 40 online from June 2026?

[00:09:39]Me: And what day do we have to start? I think it should be May. Yes, look, you have to do the retroactive payment starting the day after the leave, which is the day you can pay the proportional amount from the 16th to the 30th and update it. So, I recommend you pay the retroactive amount because the most difficult thing about Modality 40 is precisely the time involved.

[00:10:07]So it's easier for him to pay in advance, for example, from his leave date and onwards, or to start paying in June. You can do the retroactive payment online; it asks you for a date you want to start paying, and you enter it and it generates the payment slip. All the past receipts and it generates, for example, March, April, May, June still hasn't come out.

[00:10:43]Remember that every 9th of the month these payments for modality 40 start coming out. [sigh] Sorry, I'm going to... I want those Cheetos.

[00:10:55][laughs][suppressed scream] Let's see, Gerardo Treviño, good evening and producer, here learning the classes.

[00:11:02]Greetings.

[00:11:03]Thank you, a big hug.

[00:11:05]Elvira Calvillo, good evening to producer one and two and also to your entire team.

[00:11:09]Ah, excellent. Thank you.

[00:11:10]Let Elvira greet me first.

[00:11:13]It seems that he has privileges. Mm.

[00:11:17]Miguel Flores Villa, greetings from Durango. Durango, hello, how are you?

[00:11:22]Luca, good evening, my dad already went to his clinic about the pension, the money that doesn't exist. Ah, yes, yes, he already did.

[00:11:30]Yola, greetings from Morelia, present as every Friday. Greetings.

[00:11:34]Greetings, a big hug.

[00:11:36]Edit Viras, Edit Rivas, sorry. Hello, hello accountant. To your entire team and everyone in the chat.

[00:11:42]Thank you.

[00:11:45]Javier Martínez Rosales, good evening, accountant, I already liked it, greetings and blessings from Mexico City to the producer as well. Thank you, a big hug, Javier, and also greetings again to Ángeluz Huerta so you don't forget her too.

[00:11:58]Oh, yes, because then I'll get in trouble.

[00:12:00]Yes, yes, yes. It's just that they don't want to mention her anymore.

[00:12:03]Oh, no, we did mention her. Which, by the way, is down here in the description so you can look up her phone number if you want to contact her. Excellent.

[00:12:12]Ricardo Zúñiga, uh, greetings to everyone and to the star of the show, the producer.

[00:12:15][laughs] Ah, I'm watching from Dallas, you see?

[00:12:20]It seems there are privileges. Hm.

[00:12:24][laughs] Greetings, a big hug.

[00:12:26]Yes, that's already rewarded.

[00:12:28]To all the people who watch us in Texas, uh, in the United States, greetings, a big hug. There are many, uh Mexicans who are over there working hard and helping the country move forward. That's great. Send them money, send money to their families because the crisis has already started.

[00:12:52][laughs] If they were owed money, if the production company diverts it, no problem.

[00:12:57]Oh, okay. [laughs] David Silva, good evening, accountant.

[00:13:02]Greetings from Puebla. I still haven't received my credited weeks. It's been 5 months.

[00:13:06]Oh, no, it's not that long. You have to talk to the head of pensions. Remember to give them a chance of 30 to 45 calendar days.

[00:13:19]No, no, because they can't take that long with this information, because it's that simple. If you don't insist, they consider the process rejected. Then you go around in circles and they never help you because they considered your information rejected. That thing where the lady tells you, "No, there's nothing, there's nothing."

[00:13:50]Well, talk to me, let me talk to your boss because I really need to. It can't take 5 months. This is impossible.

[00:14:03]Elvira, who commented on the billion, congratulated Angeluz Huerta. Excellent, how I explained it to my two brothers, just like you explained it to my two brothers in simple terms. Thank you. Ah, excellent. Yes, yes, of course. Yes, I recommend Angeluz Huerta. He's a really good person, very professional, and has the patience of a saint, unlike me. [laughs] And remember the screenings, there's your number below, if you want cheap screenings.

[00:14:30]Perfect. They're on sale. Remember it's May, Mother's Day and also Father's Day, because the old man deserves to be pampered too, right? Let's not waste the money, as I told the producer, nothing makes us happier than them paying. [laughter] Juan Sánchez, greetings to you and the producer. One. I will no longer pay June, I turn 60 on the 24th. I have already updated IMS and Afor.

[00:15:06]When do I process my cancellation of modality 40? I paid for 58 months. And when do I apply for the pension?

[00:15:12]Ah, excellent. Uh, July 1st.

[00:15:15]Remember that you have to be 60 years old, which you turn on the 24th. So, wait until the first of this month and you can start processing your pension.

[00:15:32]Your leave of absence could be in June or July. Since you're already 58 months old, you don't need to pay for June. You have fun with that money and grab the jug, and once you're healed, uh, on the first of this month you can go and process your pension.

[00:15:58]Good evening, accountant. Greetings to all. One question: if I have a one-year or two-month plan (10), do I have to cancel it, or does it automatically cancel if I stop paying? Advise. Thank you so much.

[00:16:08]No, if you stop paying it takes about 10 days and they cancel your account because modality 10 is usually prepaid.

[00:16:18]So if you haven't paid by the 17th, goodbye Margarito. You can also submit your cancellation, but however you want, just stop paying because it's a prepaid plan.

[00:16:38]Yola, will it do me any good if I start thinking like I'm 40 years old? It doesn't matter to me whether it's in January or February, it won't be the minimum?

[00:16:45]I recommend you do it in February so that they are already updated. If you do it in January, it's going to take a while.

[00:16:53]This, and then so they can pay you back, right? It starts on February 1st. Since you've already started, they'll pay you back pay for January, so there's no problem. They'll let January pass and they'll leave you with the retroactive payment for February. Would February be better for you?

[00:17:14]Evenings with everyone, thank you for your advice and to your whole team. Angelus Huerta gave me an updated projection from Puebla. They already gave me a date for my paperwork. [snort] Thank you. Excellent. Congratulations.

[00:17:25]Hey, good evening, José Tomás. Good evening everyone. Hello, accountant.

[00:17:29]What is the minimum guaranteed pension in Tijuana if the minimum wage is 440, and what is it in California, USA, where the minimum wage is 16 per hour?

[00:17:39]No, no, no. Hey, here we don't pay in dollars anymore. This is what conversion is all about. There are 11,000 11,000 300 there are 11,300 in the border strip.

[00:17:57]Okay, just divide it by 16.

[00:18:02]What's the dollar exchange rate? Since we don't receive dollars right now, we still haven't received dollars. So, uh, what's the dollar exchange rate?

[00:18:10]Ah, well, that's better. It's best not to receive them. [laughs] They're very low. I no longer want to receive that Yes, yes, yes, yes. But it only suits me in a promotional context.

[00:18:23][snort] Uh-huh. She wants to be paid in dollars. Not anymore.

[00:18:27]So, since the dollar is cheap, they won't eat it.

[00:18:32]But when I was 25, I was walking around, but I never invited anyone for anything. But alas. [laughs] By chance, someone has seen my card. I won't tell you.

[00:18:48]The old trick, the old card trick. I find my card. I left it on the piano there. I swear to you. I can't find my card.

[00:18:56][laughter] [clearing throat] Vicente Rocha, lawyer.

[00:19:00]Good evening. A question. If my wife was laid off from her job on March 30, 2025, what is the deadline for her to register for modality 40? Five years after leaving the hospital, already? What is the date? When was it?

[00:19:15]In March, on March 30th, starting in April, starting in April of 2026, it counts for 5 years, but if you are going to get into modality 40 in the future, it is not convenient for you because the longer you wait, the more you can pay retroactively, but it is more expensive. It can be up to 40% extra, so stop paying surcharges. I only pay what's fair, nothing more.

[00:19:53]Ilia de Carmen Castillo, good evening, accountant. I read that Lims has already started auditing all the pensions under modality 40. What are the reasons for eliminating those paid weeks under modality 40? If they detect you, if they detect you, it happens in many cases. If they detect that you have it, it's very easy. If they detect it, for example, if you are 2000 weeks pregnant, yes? Or 100, 1600, but in the contributions to the Afores you have paid very few bimonthly periods. That's when they realized you bought contribution weeks, and that means they can now take away your pension, force you to pay back everything you received, and ultimately take criminal action against you. So it's important that this does n't happen, that they don't do anything crooked, right? Pull, pull, pull, work, actually.

[00:21:13]Eric Vázquez, good evening. Hey, accountant, do you recommend registering for the New National Telephone Registry? No, it scares me. I don't trust him. I was forced to do it. [laughs] Hey Eric, look, if you have a plan, well, they already have the data, so don't worry, they already have it if you registered, I do n't know, in the government aid program, they already have the data. If your name is on it, on your electricity bill, they already have your information. Everyone has your data. They're going to rob you, by the way. Don't worry. Specifically, the company I have, Telcel, tells me, "No, they don't even have your data anymore. Why would they? I did n't steal from you." So don't worry. I mean, the problem keeps getting bigger and bigger and they can't, I mean, they can't even handle the SAT thing, I mean, imagine they have information and all the people who have it, I mean, not to brag, have an iPhone, they can put, I applied it because one of you told me that on the iPhone if it doesn't detect the phone that automatically calls you, it sends you a message.

[00:22:44]What do you want? Yes. And what do they want you for? And divert the call and they won't bother you anymore. I've been using it for 15 days. I got away. I got away. I mean, when a third party suddenly wants to talk to me, a person who is recommended, they always send me messages. So, I 'm so-and-so from tel, I want to talk to you about this topic. Ah, okay, I accept it.

[00:23:17]But I don't know this one, I know.

[00:23:21]Goodbye, Margarita. Remember, remember that this is the 30-second rule. Don't answer, well, they'll hang up on you 30 seconds before. So don't worry, just do it. Pull, pull. Very good.

[00:23:42]Good night. Greetings from Cuatzacalcos, Veracruz. I'm turning 60, and on August 16th I hear that it's better to quit your job before turning 60. There are a few days left to avoid problems with insurance.

[00:23:56]No, don't quit. Remember that the Constitution does not allow you to resign in order to retire. I recommend that if you're working, you talk to the company's accountant and ask them to terminate your contract, because in some cases—I mean, I've seen many, I don't know, we handle about 3500 annually—of those 3504, they deny the pension process because they resigned. So, don't do that. Just tell the accountant, instead of putting it as voluntary resignation due to contract termination. That, the company neither works nor does it work for you. So don't worry about it and just mention that.

[00:24:57]Hey, Edit Martinez, good evening, accountant. Who is it? We have recently retired, what details should we not lose sight of so that we never lack our pension? I guess so. Just update your information. It's important, if we suddenly move to our children's house or change residence, we have to [sigh] notify Social Security at least a month in advance so they can take it into account and there's no, uh, uh, what do you call it? There isn't one.

[00:25:34]When you have an account, they deposit money into your account. If there is no activity on the account, the insurance company orders that the account be blocked, and then you have to go back to social security, ask for identification, and it takes two months for them to reactivate it.

[00:26:00]So, if you're going on a trip, if you're going to another city, for example, if you're going on vacation, you won't receive your pension. Tell someone to buy them a burger, or something, I do n't know, treat them to something and have them pay with your card or pay for something.

[00:26:23]You regularly pay a balance, a phone bill, or whatever you want. Yes, but that reflects a movement on the card. So, that means they never block your card, the bank with your pension, because Social Security has the order from the bank, it tells the bank, if the beneficiary does not collect, yes, report it and block, I don't remove, I block that pension until they return.

[00:27:07]Good night. Greetings to your entire team and especially to your production company. Thank you so much.

[00:27:10]Ah, excellent. [laughs] No, it already has a fan club, all that's missing is for them to make a deposit.

[00:27:17][laughter] [suppressed scream] Pure pensioner.

[00:27:23]Defolix. Maybe not. I also accept not being a pensioner. No problem. I do not discriminate.

[00:27:27][clears throat] Good evening. Good afternoon. I am 54 years old and 1119 weeks old. Ah, excellent.

[00:27:35]The last 9 years with minimum wage. What's best for me? Pay capped at 40 in the last 5 years. Thank you.

[00:27:45]Yes, it's worth it because we're young. From the age of 55, start working hard and don't let up because you're going to receive a very good pension. Once we go past 1000 weeks, it's a pension, a very decent pension.

[00:28:03]So if you have the opportunity and the money to invest, go for it. They do n't allow us to deposit the pension.

[00:28:18]Ah, [clears throat] when we need to be recently retired, what detail should we not lose sight of so that they never stop depositing our pension?

[00:28:25]Ah, yes, that's the fact.

[00:28:27]Good night. Hey, tell the producer, if I sign up, hey, Raúl, hey, Chiques oes.

[00:28:33]Good evening, accountant and producer.

[00:28:34]If I register 40 online, when it comes time to cancel, I must submit a written request to the sub-delegation.

[00:28:39]Yes, you have to... uh, if you want, send me a WhatsApp and I'll send you the cancellation. You just change the details and submit it at the clinic.

[00:28:51]Uh, ah, the discharge at the sub-delegation, the pension procedure at the clinic.

[00:29:00]Guadalupe González Aguilar. Good evening, accountant. How long does it take the IMS to issue a pension decision?

[00:29:07]My last payment was in March, and I submitted my cancellation on May 4th, payment method 40.

[00:29:13]Look, if you submitted it on May 4th, your cancellation is already processed. By now, your leave of absence has been processed. You just need to process your pension starting from June 1st next week. Let's begin.

[00:29:29]Vicente Rocha, accountant, good evening. My wife was discharged under modality 40, eh 40, right? I am leaving my job on May 30, 2025.

[00:29:40]What is the deadline for leaving my job?

[00:29:42]Uh, no, no, no. You have already registered for modality 40. You have been registered for a year, practically a year, you can pay, you have two conditions, you have 5 years from your termination, but since you have already passed a year and did not pay, you have the opportunity to pay the retroactive amount from when you were terminated until the date or start from today onwards.

[00:30:16]Hey, Mirna Lara, good evening, good afternoon. The Afore address must match all INE documents and the IMS card required for retirement; everything must match. If you have, that is, if you have an address or you paid rent and you have a mess, they are going to block you. Therefore, it is important that all your information, from your CURP to your Afores, is correct. Um, sometimes regularly when we live in a new neighborhood, the municipality usually gives us a postal code for the neighborhood that's right next door. When it gets populated or not, yes, that's the word.

[00:31:18]What to talk about populating? Populate the colony. I know it gets populated, right?

[00:31:25]Population. Yes, a town. [laughs] It's getting populated.

[00:31:28]Add the comments now. They already give you a postal code there that will stay. If you're at the Inter, you have to bring at least two proofs of address that match. You take the electricity, the electricity bill, and the water bill. These are the safest.

[00:31:57]Juan Sánchez, thank you for your help. And I already did a screening with Ángel Luz Huerta, she is very attentive and explains all your doubts, I recommend her. Greetings from Pachuca.

[00:32:04]Greetings.

[00:32:04]Ah, greetings to Pachuca. Yes, yes, yes.

[00:32:07]Thank you. Yes, Ángeluz Huerta is always recommended on this channel.

[00:32:13]Rodolfo, uh, Rodolfo Hernández, greetings, Lick, and to his partner.

[00:32:18]Hello how are you?

[00:32:19]Hello, thank you very much. Andrés Torres, greetings to you and your team. Greetings to you and your team. If I was paid, no, if modality 40 was paid, no, modality 10 to recover validity for a year or 2 months and I already have 575 weeks, I am 62 years old, can I already process the minimum pension?

[00:32:39]Yes of course. All you have to do is submit your resignation. Once you're on sick leave, then you can go to the nearest clinic. Uh, I usually recommend that you update your information before you leave. The Afores, uh the IMS, yes, the Afores and the IMS so that everything is correct. When they run the information, everything is already correct.

[00:33:05]Remember that in this week's video I mentioned a person who had corrected some data and they went to the social security office and made a data correction, but they already had their retirement accounts updated. I recommended that he go back to his Afores (retirement fund administrators) to double- check everything and make any necessary changes so that the information would be correct when it was processed.

[00:33:46]Alicia Jacobo. Alicia Jacobo. Good night. Hey, accountant, when I retire at 60, do they give me all my savings and only a portion, or the rest at 65? No, they don't give you everything back. They give you back your SAR, your Afores, and your Infonavit. Those three items will be returned to you, along with your pension.

[00:34:08]Hey, Gris Robles, good evening, accountant. What is the maximum time it takes to certify payments under modality 40?

[00:34:15]Thank you so much.

[00:34:16]Maximum 3 weeks.

[00:34:18]That's what's taking up to it right now.

[00:34:23]Hey, Guillermo Castillo, good evening, accountant. I pay into the IS (Social Security) and I also work as a freight handler. I get paid in cash to complete modality 40. Do I also have to declare the cash?

[00:34:34]M, well you would have to, you would have to. Yes, you should.

[00:34:42]M. Thank you, Lilia and Carmen.

[00:34:45]If you have one, for example, if it 's a job, if it's a job for, I don't know, a few hours, then there's no problem.

[00:34:55]Yes, but if you really work and earn a lot of money, then you have to declare it because it won't match up. Remember that your income must match what you pay. Yes. No, not many people pay in cash. Many do odd jobs here, like gardening, running errands, yes, they get paid in cash, they don't declare their income, and they pay under tax modality 40, and the SAT (Mexican Tax Administration Service) can tell you about it, right? And the IMS, where the boy works, it's important that your income matches your expenses.

[00:35:45]Elena Fran, good evening, accountant, greetings to you and your team. Will you know how much income tax is paid when withdrawing from your retirement savings account? It would be an approximate amount of 24,000 pesos. I already received the INS resolution under Law 73.

[00:35:57]No, that amount is very small, so I wouldn't charge you anything.

[00:36:05]Tomás García Flores, good evening to all. Greetings from Saltillo from Tom.

[00:36:09]Ah, perfect, a big hug.

[00:36:12]Saltillo is a beautiful city, isn't it? Man, she's beautiful, isn't she? I love going. That's a well-planned Monterrey, isn't it? I mean, we should say that when I first visited Saltillo I fell in love with it because it's similar to Monterrey, but much better planned. Monterrey is a mess because unfortunately we are doing things too late. They had the opportunity. Uh, I remember that about 10 years ago you would go to Saltillo, you would see three-lane highways, four-lane highways and you would say a little car would pass by every now and then. And they're enjoying themselves right now, huh? They did a good job planning the city. Greetings. I've been to concerts there too.

[00:37:08]They're going to take away your royal visa. [laughs] You are a permanent citizen. No, one two. Good evening, Teacher and Producer One. [laughs] Greetings. Yes, yes, the royal one.

[00:37:22]Yes, no, man.

[00:37:23]Samuel is going to take it away from you. I know they do n't like me anymore. [laughs] Good evening. At least the Sims X games don't. Hey, good evening, Teacher. I'm going to retire. When it's my turn to retire, I'm going to Yocatán to process my paperwork because they won't believe me here. [laughs] Good evening, Dicher and Producer One. I'm going to file a complaint because I didn't receive the notification. Greetings from Houston. Oh, it's just that I don't know if you already saw, I don't know if you already saw that the program we use appears at the top. Well, someone didn't want to pay.

[00:38:03]Oh, well, they increased it to $500. No, man, it really was very expensive, but yes, no, yes, it wasn't notified. It's just that, uh, the way we're using it right now, we're looking at the plans to see how it's going to work for next week or see what's up, because they don't give us an intro anymore. So, since we no longer have an intro, it won't notify you; it'll be like a direct broadcast.

[00:38:27]Yes, we are already poor.

[00:38:30]Yes, he, I don't know, I'm in front of you.

[00:38:34]Yeah, they don't hype me up. You have to get hyped for Lana to arrive. Jorge López, good evening, accountant. What happens if I retire and get divorced? Do I lose the 15% or do they automatically enter the 15% loneliness?

[00:38:48]Thank you.

[00:38:48]No, they will change it, they will change it, but you have to notify social security because if you don't notify them and you happen to die, they will continue to give the lady a pension.

[00:39:02]Well, new ones. I think the IMS interfered here so that we don't know how to defend ourselves. [laughs] Thanks for putting in if they wanted to pay the [laughs] we support a like and share the video.

[00:39:14]Thank you so much.

[00:39:15]A big hug. "Let's see," says José Tomás, "Hello, accountant, how is the termination of a contract handled if the contract is for an indefinite period?"

[00:39:25]Look, what do you do when the contract is tacit?

[00:39:28]Yes. Um, you can do a termination at Social Security, you tell your accountant, they know when they file their termination, they give you options, uh, if it's due to pension, if it's because the person is 65 years old or it happened that they left due to illness or due to degree of risk.

[00:40:00]When a person leaves voluntarily, we accountants always get used to doing things badly.

[00:40:09]Whenever I met or gave lectures to accountants, before, I always told them, "No, as a precaution, put ' contract termination' on it."

[00:40:21]the termination of the contract, whether you have a contract or it is tacit.

[00:40:29]Tacit means you don't have papers, but they do stamp your paychecks, if you have receipts, they give you your money, that means you do have a contract, not in writing, as an added benefit. So, when you go to cancel, the accountant puts " contract termination" on it. That means that the parties, the worker and the employer, agree and separate the worker from the tasks and the employer from the obligation. And then you put it in writing at the Social Security office. If Social Security tells you, "No, well, I don't know what happened, because I didn't resign."

[00:41:26]The relationship simply ended and everyone went their separate ways.

[00:41:32]Hey, Amadeus de Folix, hey, thank you, thank you so much. Rodolfo Cas, "Hello, good evening, accountant. I'm enrolled in modality 40. When I print the contract, it shows the date I enrolled in modality 40, which is February 2025. Is that normal?

[00:41:46]Yes, it's normal. Remember that when you re-enroll, right? Or when you enroll for the first time, it gives you a date, and the system gives you the option to download the contract again, but that contract still has the date you first signed up.

[00:42:11]I recommend that you download that contract because it's usually the contract, the record of the commitment you made with Social Security and Social Security to you.

[00:42:39]Um, good evening, accountant. My wife turns 60 in June. We're making the last payment this month. What do we have to do to wait for the cancellation and go to the window? Let's see, I forgot to mention it.

[00:42:53]Good evening, accountant. My wife turns 60." In June. Uh, says Martín Reyes Flores. Good evening, accountant.

[00:42:59]My wife turns 60 in June. We're making the last payment this month. What do we have to do to wait?

[00:43:06]What do we have to do? Wait for the termination or go to the window? No, you don't have to submit it now. Once you pay this month of June, you wait the whole month because, uh, you can't pay by the day, you have to wait the whole month. On July 1st, you submit your termination with a date of June 30th. Yes. And it takes about 5 days, right? And then you process your pension.

[00:43:36]Thank you very much to the people who congratulated me on Accountant's Day. They never sent me checks or anything. I think they got stuck in production. They did n't arrive. They must be [laughs] on my card because they can't find them.

[00:43:53]But why can't they find them? No, they didn't even send me a congratulatory message. And on the other hand, I've already completed 2 years of my retirement, 28, 26 of this, and thank God. I'm putting in the effort, and I'm going to put in even more effort because I love to help.

[00:44:17]God left me here to work.

[00:44:19]Yes.

[00:44:20]And thank you for your support.

[00:44:24]Just this week, watching videos from the beginning when I was starting out, a lot of people supported me, and now I speak better, but I'm still putting in the effort for you all. A big hug. Thank you, accountant. I already have my CURP application. They won't give it to him, they won't give it to him, but they say it's enough, it's proof of application.

[00:44:50]If I have any errors in the CURP, this process corrects them.

[00:44:53]Yes, they couldn't process your application if you hadn't corrected the information. Yes. Uh, if you had any errors in any equation, it's corrected now.

[00:45:12]Another absurd procedure, but they're experts here at putting up obstacles, are n't they? We should have gotten over that, but we're going back to the Stone Age.

[00:45:35]Yolanda Télez, hello, good evening, accountant. My partner tried to register in the [unclear/unclear/etc.] modality 40. Uh, her application was denied because her LIMS number is wrong.

[00:45:49]I think it's wrong. If it doesn't say Yola. Yolanda, uh, I think that when your data is wrong, first you have to correct it. You have to go to what's called the data correction window. It corrects everything, but it starts with the CURP, making sure the CURP is correct, and then you go to the IMS so they can correct it and remove that detail you have, and then they'll give you a document.

[00:46:25]With that document, you have to go to the Afores to correct your Afores and notify them what change you made. And that's it. Now you can process your pension. It's good that they rejected you.

[00:46:43]I'm telling you this in a friendly way, because if the error isn't replicated, when you want to retire, they detect that error, well, I mean, it's a nightmare to process something you really want and you're stuck because the process is wrong.

[00:47:02]If we get angry, if we We get angry, we always get angry when something is rejected, but that's a sign we're wrong about something. We make the correction, and then everything runs as it should.

[00:47:24]Lucy Samudio, good evening. When are pension benefits and beneficiaries registered?

[00:47:30]Beneficiaries, sorry. Um, when you register, your Afores (retirement savings accounts) are also registered, and when you register with Social Security, if you have n't registered your wife and children, you have to go to the clinic closest to your home. It's called the Economic Benefits Window, and there, with your family's birth certificates, yes, you register them. Once they're registered, you make an appointment with the Afores and correct that so that, God forbid, if you have an accident, with that updated paperwork, they don't have any problems. So, it's worth doing because we always have to have our paperwork in order.

[00:48:29]Juan Gerardo Sans. Juan Gerardo Sans.

[00:48:33]Um, good evening. A friend of mine at work isn't having two years of contributions recognized. 1993 and 1994 because they say the employer didn't pay the contributions.

[00:48:43]That's possible.

[00:48:44]Yes, it's possible. Yes, it's possible, but give him a strategy. Have him go to Infonavit and request what's called his employment status. It's the details of who contributed and the payments that were made.

[00:49:07]If that employer appears in that status, it means that Social Security doesn't have the correct information. With that information, he can correct his data and have them update his file so that those weeks appear. It's two years, 52 weeks per year. It's worth it. That's 100 weeks.

[00:49:42]Mauricio Guzmán claims to have insured himself with 450 weeks of contributions, preserving his rights in September. In September, I turn 60, paying into modality 40 and modality 10, one year in advance.

[00:49:57]I would accumulate the 52 weeks at once and could retire in September. No, you have to wait a year. That is, the opportunity that Social Security gives you to pay them in advance. Yes, that's fine, but you have to wait that year because only the payment would be upfront, not the waiting time.

[00:50:25]Good evening, Alejandro Arbizu, Nogales, Sonora.

[00:50:28]Hello, how are you, Alejandro? A big hug.

[00:50:32]It says, "Greetings. I work in the United States and I regained my coverage by paying under modality 10. I've already switched to modality 40. Five plus 25.

[00:50:43]Could I have a problem with the GIMs or the SAT? No, no, no, because you're a worker in the United States, there's no problem there because, I mean, the treaties are supposed to say that they should combine information, but they're not working.

[00:50:57]So don't worry. All you have to do is prove that you had income.

[00:51:03]You can prove it because you are already paid regularly in the United States by check or transfer, or you have your bank account. If you're paid in cash, you have to deposit your money in the bank and prove that you had an income and paid your tax ( Modality 40). Congratulations and I hope everything goes well. Remember that you need to update your file.

[00:51:37]Hey, greetings Vicente Rocha, good evening. Greetings, no, Vicente Rocha, greetings to the whole team. I was laid off from my job on June 30, 2025.

[00:51:45]And for financial reasons, you can register me under scheme 40 on June 29, 2020. No problem.

[00:51:54]No problem.

[00:51:57]New worlds, double congratulations.

[00:52:00]Thank God, may blessings continue to be with you.

[00:52:02]Thank you.

[00:52:05]Gustavo Aguirre. It already smells like mole for the 26th. Many congratulations.

[00:52:10]Oh, it already smells like money. Excellent. Mole because [laughs] if you fancy it.

[00:52:17]Which one do you like? He's from Zacatecas.

[00:52:19]No, no, the one from Oaxaca.

[00:52:20]The roast.

[00:52:21]The wedding roast. But that one is from Zacatecas.

[00:52:24]But he likes mole, the red mole from Oaxaca is very tasty. Oh, how delicious. Oh, now I'm hungry.

[00:52:32]Wait, we have to read questions. It's slipping away, [laughs] it's slipping away.

[00:52:37]Ricardo Suñeiga is already being mentioned. I no longer knew I had been sick. I have a bit of a habit of following him. Oh, I didn't know he'd been sick. I have a little bit of a desire to follow you and you have an excellent program that helps us a lot.

[00:52:48]Yes, thank you very much.

[00:52:49]And he got sick 2 years ago. I gave myself two years.

[00:52:52]Before, I couldn't even speak. He spoke like a Korean man. Yes.

[00:52:58]Um, [laughs] but, I mean, we're not talking about him speaking like a Korean, but sometimes Koreans' accents are more noticeable when they speak Spanish.

[00:53:07]So, I was telling him that's what it sounded like.

[00:53:09]Everyone who heard me thought I was a foreigner. A stranger in my own town. So, my Yes, thank you. I think I had one, but if we put in the effort we'll get through this.

[00:53:25]Yes, the truth is that he really missed doing the shows and after a while, when his voice came back, we couldn't shut him up anymore. So yes, that's the problem. Now, now they have to put up with me.

[00:53:37][suppressed scream] May God bless him and grant him a long life so that he may continue to guide and help many, many people. Amen.

[00:53:44]Thank you, thank you. Thank you. Rolando Morales, good evening, production company.

[00:53:48]Is it possible that they will require biometric verification for next year?

[00:53:52][snort] They were supposed to order it this year, weren't they? They couldn't even get that information right now. I mean, ask all the accountants you know how stressed they are, because sometimes it works for 15 minutes and then for two weeks it doesn't work. Then it's chaos. I mean, the inefficiency of this government is unbelievable. Not even to get paid. So, that's something I learned by telling the people I was training. You can forget everything. You may be the worst manager, but the best one has to be the best debt collector. So, even if they fail to get paid.

[00:54:47]Uh, I skipped two questions.

[00:54:49]Thank you so much for letting me know. Well, I told him that he distracts me.

[00:54:54]Leave me alone. Thank you, Javier García and Miguel Olmos. Let me answer your questions first before we continue. Let me look for them.

[00:55:04]Good evening, Accountant. How do we get back the 19.85% of what we contributed under modality 40? Greetings.

[00:55:12]There, you don't get anything back. They give you back 2% of your Afores (retirement savings accounts). That goes to your retirement savings accounts.

[00:55:19]The remaining amount you paid is to enter this system and pay your pension entitlement.

[00:55:29]Social security pays it according to your pension.

[00:55:35]Only 2% of that goes to your retirement savings accounts. They must appear accredited.

[00:55:42]It's important, not only because of that they detect the errors of those who are buying weeks, because in one part they pay for modality 40, they falsely add them, they modify them, they deceive them, but when it comes to checking, reviewing the contributions, no way, then automatically, goodbye, Margarito, you can even lose your freedom. It's important to get on the ball.

[00:56:18]Hey, and Miguel Olmos, good evening. I have a wrong postal code number. It had 364, no, 36340, and it's 36040.

[00:56:30]Oh, no, it didn't have 3640, it was actually 36040. It's important that you go to the data correction office at the sub-delegation and make that correction because it's very basic. Social Security goes first with your social security number and you with your postal code. So, if it 's wrong, you can blow it up. So, go as soon as possible. Uh, go to the sub-delegation and it's called the data correction window.

[00:57:08]You correct it there so that everything goes well, and afterwards don't forget to make an appointment with the Afores to correct that information. It's important.

[00:57:22]Okay, let me see. I'm told by IMS that there's no problem.

[00:57:29]What do you recommend? Uh, he says that Lims has no problem. I mean, I recommend that if you don't have the LMS, go to the Aforares or I always always recommend that you download the digital LMS, the application instead of TikTok. So, what do they call this? The tokis tokis, the Tikitkis.

[00:57:53]The Tikitkis. Instead of lowering the Tikitis, download the IMS Digital application. And also download the app from your Afores (retirement savings accounts) so you can verify your information and keep it up to date.

[00:58:10]Juanito 66 full. Good evening, accountant. Next month I turn 60, I'm paying under plan 40, but I won't be able to pay next month. Will I have problems?

[00:58:21]No, no, no. Or no, it's none. No, no, no problem.

[00:58:27]Lucy Samudio, if at any of the companies I worked for did not pay the social security contributions, they would appear on the certificate of weeks contributed.

[00:58:37]No, not there, because they didn't pay.

[00:58:40]Social Security did not receive any money.

[00:58:46]Ah, yes, I already answered him.

[00:58:48]Always double-check, right? Don't just rely on social security information; look at the information that the Afores (retirement savings accounts) have, and they have a triple check: Infonavit, Afores, and the IMS (Mexican Social Security Institute).

[00:59:02]So, because it's possible that one person has it because they had the wrong information, but the other person does. These are very common cases, I mean, errors by people in social security who don't prove certain payments and then it appears in the affiliation.

[00:59:30]Mm.

[00:59:31]Armando Méndez, hello accountant.

[00:59:33]Congratulations, accountant. I have been paid a comfortable 10 for a year and a half with minimum wage. I need to register with the SAT. Thank you for your connection. With the minimum.

[00:59:47]Ah, she too, huh? Sergio Silva, greetings to your entire team. Good night.

[00:59:51]Greetings, Sergio.

[00:59:54]Rosa Sánchez, good evening. If my wife and husband are his wife and ah, sorry, [laughs] you have arem, Rosa.

[01:00:02]Good night. Yes, wife and wife. I do n't want to have any.

[01:00:09][laughter] Law 73. It can be quoted. Model 40 is maxed out, no problem. Either they both have an excellent rating or they don't. Oh, oh, leave me alone, you made me want to laugh with you. If husband and wife are under Law 73, they can contribute under the capped modality 40 and there is no problem. It's that both of them have an excellent pension or something top-notch.

[01:00:32]No, no, no problem. They always tell you that you can never reach 100%. You can never reach 100%. Nobody can reach 100% because remember that every year you update your weeks, I mean, you update your 40-week plan. So, if you look at the last 5 years in a straight line, you never had the same salary. If you had 100%, that means you traveled to the future and overpaid.

[01:01:11]So, that's impossible.

[01:01:18]Hey, Alejandro RM, where do the taxes they take from me go? They go to the SAT there. Do you like the Morena party? [laughs] There they go.

[01:01:33]Sergio Silva, uh, accountant, my modality 10 ends in November. Do I have to pay for two more years to continue? Should I do it at the bank or at a sub-branch?

[01:01:43]No, remember that you have to make the payments at the bank, and I recommend that you do it online. You do n't see faces, it's more relaxed, and if you're comfortable with computers, I 100% say that you get a quote and register online.

[01:02:12]Uh, good evening, accountant and producer. Is the minimum pension received calculated from the date of the last leave of absence or from the date of reaching age 60?

[01:02:19]When you process your pension for the year.

[01:02:24]When you apply for your pension.

[01:02:29]Hey, Yansel Benítez, I smoke marijuana with Fidel Castro in hell. Oh, how come? [laughter] Ah, Satan of our God. It seems we're already pretty crazy then.

[01:02:45][suppressed scream] Ah, well, that's all. Thank you. Already.

[01:02:49]It's good that you smoke, Mar.

[01:02:51]And you're talking to Satan.

[01:02:53]Yes. [clears throat] Say hi to him, we'll be there in a bit.

[01:02:57][laughter] Sergio Silva, another question. If a person retired in 2012 with a payment of 1000 out of 5500, right? Yes, you can apply for the guaranteed minimum.

[01:03:10]Yes, of course, everyone [clears throat] has to apply for the guaranteed minimum, which is to earn at least a minimum wage. So, let's move on to the last questions, shall we? The last question has already been answered for you and production.

[01:03:25]Thank you so much. Thank you very much, Miguel. Thanks for letting me know. And that's it. And then there's the guy who's smoking marijuana. Ah, excellent. Greetings to marijuana and a big hug. God bless you. Okay, so pass it on so we're on equal footing [laughs] and then we'll say goodbye. Thank you so much.

[01:03:45]Rest well and have a good night.

[01:03:47]Thank you so much. [laughs] Greetings.

[01:03:49]Greetings. Bye.

[01:03:50]Remember to be happy. Bye.

[01:03:52]Ah, another pothead.

[01:03:55]Oh, no. What country are they from? Blessings, says the marijuana man from Mexico. No, we are with Fidel Castel.

[01:04:02][laughs] Bye.