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7 cosas que YA NO vale la pena Comprar en 2026 — Transcript

by Sesgos Financieros · 2,724 words · 413 segments · language en · Watch on YouTube

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0:00Think about that delightful peace of
0:02mind you feel when you buy something on
0:04autopilot because you know it's a sure
0:05thing. It doesn’t matter if it’s
0:08throwing that $ 4 item you’ve always
0:10bought at home into your grocery cart,
0:12paying that monthly subscription
0:13you’ve had for years, or putting your
0:15savings into something big your whole
0:17family cheered as a masterstroke. You
0:19pay it happily, without a second
0:20thought, because five years ago that
0:22purchase was a solid 10 out of 10. It
0:24worked, it was worth every penny. But
0:26there is a silent problem that almost
0:28no one warned us about. Many of those
0:30things today still have the exact same
0:32name, the same pretty box, and the same
0:33good reputation in our heads, but
0:35inside, something has killed them. And
0:38the real danger to your wallet in 2026
0:40isn't going out on a Friday and
0:41spending everything on absurd whims you
0:43already know are wrong. The real danger
0:46is when you make purchases feeling like
0:47you're doing everything right, but in
0:49truth, that’s no longer the case. And
0:51mind you, let me tell you that if you
0:52bought any of these things recently,
0:54it’s not your fault. It’s just that
0:55we’ve spent decades normalizing them
0:57and associating them with progress,
0:59savings, or many other things. Besides,
1:01marketing has made sure we keep falling
1:02into their trap constantly, keep buying
1:04these things as if nothing had changed.
1:06Today we are going to look at seven
1:08real purchases we almost all make in
1:10Latin America and Spain, sometimes even
1:12daily, but they are already dead.
1:14Welcome to Financial Biases. Get
1:16comfortable, because the first
1:17financial corpse is already being
1:18charged to you automatically this month
1:20. The number one purchase that died in
1:232026 is accumulating standard or
1:24premium streaming subscriptions to
1:26avoid ads. Back around 2018, paying for
1:29streaming was an absolute masterstroke.
1:31For $ 8 you had everything in one place
1:33, with no commercials, and you shared
1:34the account even with your little
1:36cousin. And with that, you killed cable
1:38because it was already going out of
1:40style. But nowadays in 2026, something
1:42killed streaming. And what was it that
1:44killed it? Digital economists call it "
1:46enshittification" or something like
1:48that. The programmed decline of
1:50platforms. First, they make you fall in
1:52love, then they capture the entire
1:53market, and in the end, they squeeze
1:55you completely. Look, I'll explain it
1:56to you. Has it happened to you that you
1:58sit down on a Friday, for example, with
1:59a burger, open three platforms you pay
2:01for religiously, and start looking for
2:03a well-known movie, and on all three it
2:04asks you to rent for an extra $ 4, your
2:06food gets cold, and in the end, you
2:08finish watching YouTube? And by the end
2:10of the month, you're paying double for
2:124-year plans that now only let you add
2:13a couple of guests, and they still hit
2:14you with ads anyway. That is absolutely
2:17insane. Today, having four streaming
2:19platforms is considered normal, but
2:20it's basically paying for old-school
2:22cable at premium prices. The only
2:24winning move in 2026, which might seem
2:26a bit cheap, is rotating one per month,
2:28canceling the same day you subscribe to
2:30each. This same decline I'm talking
2:33about spreads from streaming to food,
2:35leading us to a second purchase
2:37that’s even more daily: the classic
2:38leading brands at the supermarket. Back
2:41in Latin America and Spain, we grew up
2:43with our mothers 'dogma. Detergent,
2:46chocolate, cookies, or mayonnaise had
2:48to be the leading brand because buying
2:50store-brand was seen as low quality.
2:53That rule is completely dead in 2026,
2:55precisely because of the inflation of
2:58cheap ingredients. You might not notice
3:00because you don't read the labels, but
3:02big multinationals have been
3:03practically ripping us off for years.
3:06As raw material prices rose globally,
3:08these big multinationals were afraid to
3:10keep raising prices or shrinking their
3:12packaging further. So, what they
3:15decided to do was start changing their
3:17recipes on the quiet. If you look at
3:19the ingredients of many famous
3:21chocolates, sauces, or detergents
3:23compared to 2020—just a blink ago—
3:25where there was once milk or cocoa
3:27butter, today palm oil and sugar
3:29dominate. Where there used to be
3:31concentrated soap, now there's just
3:32water and thickeners. Meanwhile,
3:35supermarket store brands hired those
3:37same industrial manufacturers to keep
3:39the quality recipe at half the price,
3:41saving on massive advertising budgets.
3:44And sure, you might tell me, "I swear
3:46when I taste the famous brand, it
3:47tastes better to me." And you aren't
3:49lying to me, but maybe you're lying to
3:51yourself. Look at what some
3:53neuroscientists in California
3:54discovered in a brilliant experiment.
3:57They put a group of people in a brain
3:59scanner and had them taste wine through
4:01little tubes. First, they showed them
4:04on a screen that they were drinking a
4:05cheap, low-end wine. People made faces
4:08of disgust, and their brains barely
4:09reacted. Then they told them they were
4:12trying a total gem, like a premium
4:14Chilean wine worth about $ 90. People
4:16raved about the flavor, and the scanner
4:18showed something incredible. The part
4:20of the brain that processes actual
4:22physical pleasure lit up fully, and
4:24they weren't faking it—it was real
4:26pleasure. But the thing is, both tubes
4:28were dispensing the exact same cheap $
4:30wine. Our brains savor the price tag
4:33and the logo before they even taste the
4:35product. And in 2026, many leading
4:38brands charge you double for palm oil,
4:40living purely off that placebo effect.
4:42And that same bait-and-switch with
4:44ingredients didn't just happen in the
4:45kitchen. Something even worse happened,
4:48and you didn't even notice, which
4:49brings me to purchase number three:
4:51clothing from mid-range and even
4:53mid-to-high-end mall brands. The rule
4:56used to be simple: ultra-cheap clothes
4:58lasted about three washes, but if you
5:00paid four times more at a nice mall
5:01store, you got a sweater or a shirt
5:03that stayed intact for about 5 years.
5:05In my video about seven purchases you
5:07should never make, I talked about fast
5:09fashion, but there's a problem I might
5:11have glossed over a bit.
5:12Mid-to-high-end brands are becoming
5:14increasingly cheapened. To inflate
5:17their margins without you noticing at
5:19first glance, brands drastically cut
5:21the weight of cotton and wool, knowing
5:22that almost nobody reads the inner tag.
5:25And I don't want to start mentioning
5:26specific brands, but I swear it's not
5:28superstition. You can test it yourself
5:29on your next shopping trip. Grab a $ 90
5:31or $ 100 sweater from a famous brand
5:33and check the inner label. You'll see
5:3665%polyester and 25%acrylic. It's the
5:40exact same cheap plastic that online
5:41fast fashion sells you for about $ 7.
5:44The same one that pills after about a
5:46month, but they're charging you for the
5:47luxury storefront rent. Today, you
5:49don't buy based on the brand on the bag
5:50; you buy by turning the garment inside
5:52out and reading the percentage of
5:54natural fiber. But now, here comes a
5:56big one—this isn't a mistake costing
5:58a few dozen dollars; it's one of the
5:59most important decisions of your entire
6:01life, and it's not something very
6:02specific or distant. It's a purchase
6:05you probably already take for granted
6:06that you're going to make or have
6:07already made. Purchase number six,
6:09which in 2026 is no longer worth it—
6:11and hear me out because I know it's
6:14controversial—is master's degrees and
6:16university doctorates. And it's worth
6:18clarifying, obviously, that it doesn't
6:20apply to every case. There are careers
6:21like medicine, for example, where it is
6:23indeed truly necessary. I don’t want
6:26to generalize; it doesn’t apply to
6:27everyone the same way, but since we
6:29enter university, they drill into our
6:31heads that a bachelor's degree isn't
6:33enough on its own and that going into
6:35debt for $ 15,000, $ 30,000, or $
6:3750,000 to get an MBA or a master's
6:39degree was the automatic VIP pass to
6:41reach management and double your salary
6:43. And mind you, if you graduated from
6:45university around 2010, this was true.
6:47But today, the job market has changed
6:49the rules of the game drastically, and
6:51in these times, it’s going to change
6:53even faster. Today, universities charge
6:56you a fortune to teach you books from 5
6:58or 10 years ago and hyper-slow case
7:00studies. But when you hit the streets
7:03with your gold-lettered diploma, you
7:04encounter a market that in 2026 no
7:05longer pays automatic bonuses just for
7:07having a degree. The market today
7:10rewards agility, adaptability,
7:11technical execution, and obviously,
7:13real results. And as I was saying,
7:16unless you're in a hyper-regulated
7:18field where a master's is truly
7:19necessary, like medicine or corporate
7:21law, heading out today with a generic
7:23master's or doctorate to look for work
7:25practically makes you a headache for
7:26recruiters. You are theoretically
7:29overqualified, lacking real-world
7:30agility, and above all, very expensive,
7:32especially in business careers. Mind
7:35you, it's buying an incredibly
7:36expensive status badge in a world that
7:38has completely changed, and the only
7:39thing they ask you today is: what can
7:41you solve right now? After that, which
7:43was a bit harsh and might stir up a
7:44debate in the comments—which we are
7:46completely open to—I'll return to one
7:47of those purchases you might have made
7:49yourself today. Purchase number five
7:52that died in 2026 is classic designer
7:54perfumes. Let's be honest, in Latin
7:57America and Spain, going to the
7:59department store to buy that famous $
8:00100 or $ 130 perfume—and again, I
8:02won't give examples because someone is
8:04bound to get angry—was a sacred
8:06ritual. Back around 2015, it was worth
8:09every penny. You’d put on two sprays
8:11at 7:00 AM, head to work, come back at
8:13night, and even your pillow would still
8:15smell great. And well, what killed them
8:17in 2026? We all know it’s the rise of
8:19Arabic perfumery, but again, I have to
8:20warn you about the same thing as with
8:22food and clothing. The brands are
8:24taking us for fools. To cut production
8:26costs and comply with new European
8:28regulations, large luxury conglomerates
8:30have been secretly watering down the
8:31formulas of your favorite perfumes for
8:33years. They sell you the exact same
8:36bottle with the same legendary name for
8:3940%more. But you put it on today and
8:42sometimes in two hours even your dog
8:43can’t smell it; not even perfumes are
8:45safe from the cost-cutting of big
8:46companies. Meanwhile, the market is
8:50completely flooded with Arabic and
8:52accessible niche perfumery, which,
8:53since it doesn’t spend millions
8:55paying a Hollywood actor to look at the
8:57horizon on a sailboat on TV, sells you
8:59extracts with triple the oil
9:01concentration for about 30 or 40. And
9:04well, I know there must be some perfume
9:06expert who could tell me it’s not
9:07exactly like that, and they would be
9:09absolutely right, obviously, but here
9:10I’m speaking for the average person.
9:12If it’s not your hobby or something
9:14you’re passionate about and you just
9:16want to smell good, truly, no
9:17sugarcoating, buying a perfume for over
9:19$ 100 is stupid. There it is, I said it
9:20. Well, while we’re at it, let’s
9:22move directly to purchase number six,
9:23which is being a loyal customer of your
9:25internet, cell phone, or insurance plan
9:26. This one is silent because you
9:28didn’t buy it today; you bought it
9:29like three years ago and you keep
9:31paying for it on autopilot. And this
9:33one, genuinely, I think is my favorite
9:35because I truly believe it applies to
9:37like 90%of all of us. Companies today
9:40fight fiercely among themselves to
9:41capture new customers. And guess where
9:43the money to offer those deals comes
9:45from? From the old customer who never
9:48complains. Most likely, I don't know,
9:50your neighbor switched to your same
9:51company last week and pays half of what
9:53you do for the same internet, while
9:54you’ve been loyal to the company for
9:568 years. They raised the price little
9:58by little, a couple of dollars here and
10:00another there, just enough so you
10:02don’t notice, but not enough that it
10:03doesn’t add up. The same thing
10:05happens with car or home insurance. It
10:07renews by itself and every year it’s
10:08a little more expensive, and no one
10:09sits down to get a quote because why
10:11bother if I already have it? Loyalty
10:12today isn't rewarded; it’s charged.
10:15And well, we finally arrived at
10:17purchase number seven, and this is the
10:19king of the weekend, the one that had
10:20to be here no matter what: fast food
10:22and those famous trendy burgers.
10:25Historically, fast food was the perfect
10:27deal. You knew it wasn’t the
10:29healthiest thing in the world, really,
10:30but at least they gave you something
10:32tasty, super fast, and above all, cheap
10:34. It was the lifesaver for when you
10:36wanted to treat yourself without paying
10:38what it costs to go to a real
10:39restaurant. But one thing is quite
10:41clear: 2026 killed it. Not just 2026,
10:43but for quite a while now, honestly.
10:45I’m going to call it "premiumization.
10:47" And well, I think we all know here
10:49that ordering through an app today is
10:51highway robbery. You get hungry on a
10:53Saturday, open the delivery app, and
10:55between the inflated price of the
10:57burger, the mysterious service fee,
10:59delivery cost, and tip, you end up
11:00paying $ 22 for a meal, which doesn't
11:02seem like much at first, but in the
11:04long run, obviously, it is. And well,
11:07this is where one says, "Well, then
11:08I'll just get up and go buy it at the
11:10shop to avoid paying for delivery and
11:12the fee." But no, my friend, it's not
11:14just the delivery. Going to the shop
11:16nowadays is also a waste of money.
11:18Let’s do a super quick
11:18back-of-the-envelope calculation. You
11:20arrive at the trendy spot to order that
11:22famous double smashburger with cheese
11:24and bacon. You look at the board, and
11:26at the very least, they want to charge
11:28you about $ 15 for the burger, some
11:29fries, and a drink. But now, take my
11:32hand and let’s go to the supermarket
11:33with that same $ 15. What happens if
11:36you spend it there today, regardless of
11:38where you’re watching me from, with $
11:4015, you’ll most likely be able to buy
11:411 kg of ground beef, a pack of real
11:43bakery brioche buns, some cheddar
11:45cheese, bacon, and you’ll even have
11:47enough left over for a bag of fries.
11:49And with that same money, you don’t
11:51make one burger, you make six double
11:53burgers, tastier, with better
11:54ingredients, hot, and it takes you
11:56exactly the same 15 minutes to make
11:58them in a pan as the 15 minutes you’d
12:00spend standing outside at the shop
12:02scrolling through reels. Fast food
12:04forgot that its only advantage in life
12:06was being cheap. Today, even a Quarter
12:09Pounder costs an arm and a leg and
12:10doesn't even leave you full. But anyway
12:12, let's go back for a second. To that
12:14feeling from the beginning of the video
12:15. That moment when you're in front of
12:17the supermarket shelf, in front of the
12:18screen, or in front of a contract,
12:20feeling like it's a safe bet just
12:21because something has had a good
12:23reputation in your head for years. The
12:24idea of this video is never for you to
12:26live paranoid or afraid of spending.
12:28Money is there to be enjoyed, after all
12:30. The real choice is that in 2026, the
12:32most expensive tax in the world is
12:34buying from memory, staying loyal on
12:37autopilot to things that were great in
12:392019, but today only live off their
12:41name or out of habit. And now, confess
12:43to me down here in the comments with
12:45total confidence. Which one of these
12:46seven did you keep falling for out of
12:48pure habit, thinking it was still worth
12:50it? I'll tell you straight, I fall for
12:52number one all the time; I pay for
12:53Disney Plus Premium every month, which
12:55is one of the most expensive streaming
12:57services, and they still show you ads
12:58anyway. But hey, I'm only human. I'll
13:00be responding to your comments about
13:01which one is yours. And if this video
13:03has brought you value, please subscribe
13:06. You don't know how much it helps me.
13:07See you in the next one.

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