{"id":1325,"date":"2022-08-21T13:57:18","date_gmt":"2022-08-21T13:57:18","guid":{"rendered":"https:\/\/blog.miituo.com\/ahorro-para-el-retiro-te-decimos-cuando-comenzar-a-ahorrar-para-tu-vejez\/"},"modified":"2026-02-12T17:14:34","modified_gmt":"2026-02-12T23:14:34","slug":"ahorro-para-el-retiro-te-decimos-cuando-comenzar-a-ahorrar-para-tu-vejez","status":"publish","type":"post","link":"https:\/\/miituo.com\/blog\/ahorro-para-el-retiro-te-decimos-cuando-comenzar-a-ahorrar-para-tu-vejez\/","title":{"rendered":"Ahorro para el retiro: te decimos cu\u00e1ndo comenzar a ahorrar para tu vejez"},"content":{"rendered":"<section>Por Magali de miituoUna de las cosas que m\u00e1s nos afecta a los mexicanos (y a muchas personas en diferentes pa\u00edses del mundo) es el tema econ\u00f3mico. Y es que uno de los efectos nocivos de no haber entendido a tiempo la <a href=\"https:\/\/www.miituo.com\/Blog\/cotizar-seguro-de-auto\/quedarse-en-casa-en-cuarentena\">importancia de quedarse en casa en cuarentena<\/a>, es que justo este encierro se ha extendido m\u00e1s de lo que se esperaba y esto ha impactado de forma significativa en nuestra vidas.Y es que, aunque nos trajo cosas buenas, como los <a href=\"https:\/\/www.miituo.com\/Blog\/seguro-por-kilometro-recorrido\/ventajas-home-office\">beneficios de hacer home office<\/a> de forma regular, tambi\u00e9n es cierto que hay efectos negativos. Tal es el caso de la baja en los ingresos econ\u00f3micos de muchas familias. En <strong>miituo<\/strong>, el <a href=\"https:\/\/www.miituo.com\/\">seguro de pago por km<\/a>, nos preocupa esta situaci\u00f3n; es por eso que hoy queremos hablarte de un tema muy importante: el ahorro para el retiro y cu\u00e1ndo comenzar a guardar dinero para nuestro futuro.<\/section>\n<section class=\"no-padding\"><a href=\"https:\/\/miituo.com\/?utm_source=blog&amp;utm_medium=org&amp;utm_campaign=boton&amp;utm_content=ahorroretiro&amp;utm_term=20200622\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"cursor\" src=\"https:\/\/www.miituo.com\/Images\/blog\/banner.gif\" loading=\"lazy\" \/><\/a><\/section>\n<p>hola<\/p>\n<section>\u00bfPor qu\u00e9 es importante el ahorro para el retiro?Una vez que llegues a la edad que marca la ley para el retiro laboral (a los 65 a\u00f1os para los mexicanos) o que por alguna raz\u00f3n quedes imposibilitado para laborar, trabajar ya no ser\u00e1 una opci\u00f3n para ti.<\/p>\n<p>Y si no trabajas, pues ya no habr\u00e1 un salario. Lo que s\u00ed tendr\u00e1s es una pensi\u00f3n. Una pensi\u00f3n es una prestaci\u00f3n monetaria que otorga el estado (el gobierno federal) a aquellas personas imposibilitadas para trabajar por edad o por salud. Esta prestaci\u00f3n sale del mismo sueldo de los trabajadores (revisa tu recibo de n\u00f3mina y lo ver\u00e1s) y es un dinero que se otorga de por vida al pensionado.<\/p>\n<p>Sin embargo, en M\u00e9xico las pensiones tienden a ser de, aproximadamente, 30% del salario, monto con el cual es muy dif\u00edcil tener una vida digna. Es por eso que el ahorro para el retiro es muy importante; la gran mayor\u00eda de los mexicanos no podemos darnos el lujo de ahorrar solamente lo que nos descuenta de nuestros sueldos mensualmente, por lo que tenemos la obligaci\u00f3n de ahorrar m\u00e1s si queremos tener la posibilidad de mantenernos dignamente en nuestra tercera edad y preocuparnos menos por <a href=\"https:\/\/www.miituo.com\/Blog\/seguro-por-kilometro-recorrido\/mantenerte-saludable-vejez\">mantenernos saludables en la vejez<\/a>.<\/p>\n<style>@import url(https:\/\/fonts.bunny.net\/css?family=ibm-plex-sans:400,600);<\/style>\n<style>\n#_form_16_{font-size:14px;line-height:1.6;font-family:arial, helvetica, sans-serif;margin:0;box-shadow:none}._form_hide{display:none;visibility:hidden}._form_show{display:block;visibility:visible}#_form_16_._form-top{top:0}#_form_16_._form-bottom{bottom:0}#_form_16_._form-left{left:0}#_form_16_._form-right{right:0}#_form_16_ input[type=\"text\"],#_form_16_ 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\/>\n<input name=\"s\" type=\"hidden\" \/><br \/>\n<input name=\"c\" type=\"hidden\" value=\"0\" \/><br \/>\n<input name=\"m\" type=\"hidden\" value=\"0\" \/><br \/>\n<input name=\"act\" type=\"hidden\" value=\"sub\" \/><br \/>\n<input name=\"v\" type=\"hidden\" value=\"2\" \/><br \/>\n<input name=\"or\" type=\"hidden\" value=\"f4404010-a16d-4de9-8643-c7ee3d3702d6\" \/><\/p>\n<div class=\"_form-content\">\n<div class=\"_form_element _x71303932 _full_width _clear\">\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_82_2 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\r\n<div class=\"ez-toc-title-container\">\r\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">\u00cdndice de contenidos<\/p>\r\n<span class=\"ez-toc-title-toggle\"><\/span><\/div>\r\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/miituo.com\/blog\/ahorro-para-el-retiro-te-decimos-cuando-comenzar-a-ahorrar-para-tu-vejez\/#Suscribirse_para_recibir_novedades_por_correo\" >Suscribirse para recibir novedades por correo<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/miituo.com\/blog\/ahorro-para-el-retiro-te-decimos-cuando-comenzar-a-ahorrar-para-tu-vejez\/#%C2%BFCuando_comenzar_a_ahorrar_para_el_retiro\" >\u00bfCu\u00e1ndo comenzar a ahorrar para el retiro?<\/a><\/li><\/ul><\/nav><\/div>\r\n<h2 class=\"_form-title\"><span class=\"ez-toc-section\" id=\"Suscribirse_para_recibir_novedades_por_correo\"><\/span>Suscribirse para recibir novedades por correo<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<\/div>\n<div class=\"_form_element _x51830624 _full_width _clear\">\n<div class=\"_html-code\">\n<p>A\u00f1ada un mensaje descriptivo en el que se informe al visitante sobre el registro.<\/p>\n<\/div>\n<\/div>\n<div class=\"_form_element _x39373950 _full_width \"><label class=\"_form-label\" for=\"fullname\"><br \/>\nNombre completo<br \/>\n<\/label><\/p>\n<div class=\"_field-wrapper\"><input id=\"fullname\" name=\"fullname\" type=\"text\" placeholder=\"Escriba su nombre\" \/><\/div>\n<\/div>\n<div class=\"_form_element _x96895219 _full_width \"><label class=\"_form-label\" for=\"email\"><br \/>\nCorreo electr\u00f3nico<span class=\"field-required\"><br \/>\n*<br \/>\n<\/span><br \/>\n<\/label><\/p>\n<div class=\"_field-wrapper\"><input id=\"email\" name=\"email\" required=\"\" type=\"text\" placeholder=\"Escriba su correo electr\u00f3nico\" \/><\/div>\n<\/div>\n<div class=\"_button-wrapper _full_width\"><button id=\"_form_16_submit\" class=\"_submit\" type=\"submit\"><br \/>\nEnviar<br \/>\n<\/button><\/div>\n<div class=\"_clear-element\"><\/div>\n<\/div>\n<div class=\"_form-thank-you\" style=\"display: none;\"><\/div>\n<div class=\"_form-branding\">\n<div class=\"_marketing-by\">Marketing por<\/div>\n<p><a class=\"_logo\" href=\"https:\/\/www.activecampaign.com\/?utm_medium=referral&amp;utm_campaign=acforms\" target=\"_blank\" rel=\"noopener\"><br \/>\n<span class=\"form-sr-only\"><br \/>\nActiveCampaign<br \/>\n<\/span><br \/>\n<\/a><\/p>\n<\/div>\n<\/form>\n<p><script>\nwindow.cfields = [];\nwindow._show_thank_you = function(id, message, trackcmp_url, email) {\n    var form = document.getElementById('_form_' + id + '_'), thank_you = form.querySelector('._form-thank-you');\n    form.querySelector('._form-content').style.display = 'none';\n    thank_you.innerHTML = message;\n    thank_you.style.display = 'block';\n    const vgoAlias = typeof visitorGlobalObjectAlias === 'undefined' ? 'vgo' : visitorGlobalObjectAlias;\n    var visitorObject = window[vgoAlias];\n    if (email && typeof visitorObject !== 'undefined') {\n        visitorObject('setEmail', email);\n        visitorObject('update');\n    } else if (typeof(trackcmp_url) != 'undefined' && trackcmp_url) {\n        \/\/ Site tracking URL to use after inline form submission.\n        _load_script(trackcmp_url);\n    }\n    if (typeof window._form_callback !== 'undefined') window._form_callback(id);\n    thank_you.setAttribute('tabindex', '-1');\n    thank_you.focus();\n};\nwindow._show_unsubscribe = function(id, message, trackcmp_url, email) {\n    var form = document.getElementById('_form_' + id + '_'), unsub = form.querySelector('._form-thank-you');\n    var branding = form.querySelector('._form-branding');\n    if (branding) {\n        branding.style.display = 'none';\n    }\n    form.querySelector('._form-content').style.display = 'none';\n    unsub.style.display = 'block';\n    form.insertAdjacentHTML('afterend', message)\n    const vgoAlias = typeof visitorGlobalObjectAlias === 'undefined' ? 'vgo' : visitorGlobalObjectAlias;\n    var visitorObject = window[vgoAlias];\n    if (email && typeof visitorObject !== 'undefined') {\n        visitorObject('setEmail', email);\n        visitorObject('update');\n    } else if (typeof(trackcmp_url) != 'undefined' && trackcmp_url) {\n        \/\/ Site tracking URL to use after inline form submission.\n        _load_script(trackcmp_url);\n    }\n    if (typeof window._form_callback !== 'undefined') window._form_callback(id);\n};\nwindow._show_error = function(id, message, html) {\n    var form = document.getElementById('_form_' + id + '_'),\n        err = document.createElement('div'),\n        button = form.querySelector('button[type=\"submit\"]'),\n        old_error = form.querySelector('._form_error');\n    if (old_error) old_error.parentNode.removeChild(old_error);\n    err.innerHTML = message;\n    err.className = '_error-inner _form_error _no_arrow';\n    var wrapper = document.createElement('div');\n    wrapper.className = '_form-inner _show_be_error';\n    wrapper.appendChild(err);\n    button.parentNode.insertBefore(wrapper, button);\n    var submitButton = form.querySelector('[id^=\"_form\"][id$=\"_submit\"]');\n    submitButton.disabled = false;\n    submitButton.classList.remove('processing');\n    if (html) {\n        var div = document.createElement('div');\n        div.className = '_error-html';\n        div.innerHTML = html;\n        err.appendChild(div);\n    }\n};\nwindow._show_pc_confirmation = function(id, header, detail, show, email) {\n    var form = document.getElementById('_form_' + id + '_'), pc_confirmation = form.querySelector('._form-pc-confirmation');\n    if (pc_confirmation.style.display === 'none') {\n        form.querySelector('._form-content').style.display = 'none';\n        pc_confirmation.innerHTML = \"<\/p>\n<div class='_form-title'>\" + header + \"<\/div>\n<p>\" + \"<\/p>\n<p>\" + detail + \"<\/p>\n<p>\" +\n        \"<button class='_submit' id='hideButton'>Administrar preferencias<\/button>\";\n        pc_confirmation.style.display = 'block';\n        var mp = document.querySelector('input[name=\"mp\"]');\n        mp.value = '0';\n    } else {\n        form.querySelector('._form-content').style.display = 'inline';\n        pc_confirmation.style.display = 'none';\n    }<\/p>\n<p>    var hideButton = document.getElementById('hideButton');\n    \/\/ Add event listener to the button\n    hideButton.addEventListener('click', function() {\n        var submitButton = document.querySelector('#_form_16_submit');\n        submitButton.disabled = false;\n        submitButton.classList.remove('processing');\n        var mp = document.querySelector('input[name=\"mp\"]');\n        mp.value = '1';\n        const cacheBuster = new URL(window.location.href);\n        cacheBuster.searchParams.set('v', new Date().getTime());\n        window.location.href = cacheBuster.toString();\n    });<\/p>\n<p>    const vgoAlias = typeof visitorGlobalObjectAlias === 'undefined' ? 'vgo' : visitorGlobalObjectAlias;\n    var visitorObject = window[vgoAlias];\n    if (email && typeof visitorObject !== 'undefined') {\n        visitorObject('setEmail', email);\n        visitorObject('update');\n    } else if (typeof(trackcmp_url) != 'undefined' && trackcmp_url) {\n        \/\/ Site tracking URL to use after inline form submission.\n        _load_script(trackcmp_url);\n    }\n    if (typeof window._form_callback !== 'undefined') window._form_callback(id);\n};\nwindow._load_script = function(url, callback, isSubmit) {\n    var head = document.querySelector('head'), script = document.createElement('script'), r = false;\n    var submitButton = document.querySelector('#_form_16_submit');\n    script.charset = 'utf-8';\n    script.src = url;\n    if (callback) {\n        script.onload = script.onreadystatechange = function() {\n            if (!r && (!this.readyState || this.readyState == 'complete')) {\n                r = true;\n                callback();\n            }\n        };\n    }\n    script.onerror = function() {\n        if (isSubmit) {\n            if (script.src.length > 10000) {\n                _show_error(\"16\", \"Lo sentimos, ocurri\u00f3 un error con el env\u00edo. Acorta tus respuestas y vuelve a intentarlo.\");\n            } else {\n                _show_error(\"16\", \"Lo sentimos, ocurri\u00f3 un error con el env\u00edo. Vuelve a intentarlo.\");\n            }\n            submitButton.disabled = false;\n            submitButton.classList.remove('processing');\n        }\n    }<\/p>\n<p>    head.appendChild(script);\n};\n(function() {\n    var iti;\n    if (window.location.search.search(\"excludeform\") !== -1) return false;\n    var getCookie = function(name) {\n        var match = document.cookie.match(new RegExp('(^|; )' + name + '=([^;]+)'));\n        return match ? match[2] : localStorage.getItem(name);\n    }\n    var setCookie = function(name, value) {\n        var now = new Date();\n        var time = now.getTime();\n        var expireTime = time + 1000 * 60 * 60 * 24 * 365;\n        now.setTime(expireTime);\n        document.cookie = name + '=' + value + '; expires=' + now + ';path=\/; Secure; SameSite=Lax;';\n        localStorage.setItem(name, value);\n    }\n    var addEvent = function(element, event, func) {\n        if (element.addEventListener) {\n            element.addEventListener(event, func);\n        } else {\n            var oldFunc = element['on' + event];\n            element['on' + event] = function() {\n                oldFunc.apply(this, arguments);\n                func.apply(this, arguments);\n            };\n        }\n    }\n    var _removed = false;\n        var form_to_submit = document.getElementById('_form_16_');\n    var allInputs = form_to_submit.querySelectorAll('input, select, textarea'), tooltips = [], submitted = false;<\/p>\n<p>    var getUrlParam = function(name) {\n        if (name.toLowerCase() !== 'email') {\n            var params = new URLSearchParams(window.location.search);\n            return params.get(name) || false;\n        }\n        \/\/ email is a special case because a plus is valid in the email address\n        var qString = window.location.search;\n        if (!qString) {\n            return false;\n        }\n        var parameters = qString.substr(1).split('&');\n        for (var i = 0; i < parameters.length; i++) {\n            var parameter = parameters[i].split('=');\n            if (parameter[0].toLowerCase() === 'email') {\n                return parameter[1] === undefined ? true : decodeURIComponent(parameter[1]);\n            }\n        }\n        return false;\n    };\n\n    var acctDateFormat = \"%d\/%m\/%Y\";\n    var getNormalizedDate = function(date, acctFormat) {\n        var decodedDate = decodeURIComponent(date);\n        if (acctFormat &#038;&#038; acctFormat.match(\/(%d|%e).*%m\/gi) !== null) {\n            return decodedDate.replace(\/(\\d{2}).*(\\d{2}).*(\\d{4})\/g, '$3-$2-$1');\n        } else if (Date.parse(decodedDate)) {\n            var dateObj = new Date(decodedDate);\n            var year = dateObj.getFullYear();\n            var month = dateObj.getMonth() + 1;\n            var day = dateObj.getDate();\n            return `${year}-${month < 10 ? `0${month}` : month}-${day < 10 ? `0${day}` : day}`;\n        }\n        return false;\n    };\n\n    var getNormalizedTime = function(time) {\n        var hour, minutes;\n        var decodedTime = decodeURIComponent(time);\n        var timeParts = Array.from(decodedTime.matchAll(\/(\\d{1,2}):(\\d{1,2})\\W*([AaPp][Mm])?\/gm))[0];\n        if (timeParts[3]) { \/\/ 12 hour format\n            var isPM = timeParts[3].toLowerCase() === 'pm';\n            if (isPM) {\n                hour = parseInt(timeParts[1]) === 12 ? '12' : `${parseInt(timeParts[1]) + 12}`;\n            } else {\n                hour = parseInt(timeParts[1]) === 12 ? '0' : timeParts[1];\n            }\n        } else { \/\/ 24 hour format\n            hour = timeParts[1];\n        }\n        var normalizedHour = parseInt(hour) < 10 ? `0${parseInt(hour)}` : hour;\n        var minutes = timeParts[2];\n        return `${normalizedHour}:${minutes}`;\n    };\n\n    for (var i = 0; i < allInputs.length; i++) {\n        var regexStr = \"field\\\\[(\\\\d+)\\\\]\";\n        var results = new RegExp(regexStr).exec(allInputs[i].name);\n        if (results != undefined) {\n            allInputs[i].dataset.name = allInputs[i].name.match(\/\\[time\\]$\/)\n                ? `${window.cfields[results[1]]}_time`\n                : window.cfields[results[1]];\n        } else {\n            allInputs[i].dataset.name = allInputs[i].name;\n        }\n        var fieldVal = getUrlParam(allInputs[i].dataset.name);\n\n        if (fieldVal) {\n            if (allInputs[i].dataset.autofill === \"false\") {\n                continue;\n            }\n            if (allInputs[i].type == \"radio\" || allInputs[i].type == \"checkbox\") {\n                if (allInputs[i].value == fieldVal) {\n                    allInputs[i].checked = true;\n                }\n            } else if (allInputs[i].type == \"date\") {\n                allInputs[i].value = getNormalizedDate(fieldVal, acctDateFormat);\n            } else if (allInputs[i].type == \"time\") {\n                allInputs[i].value = getNormalizedTime(fieldVal);\n            } else {\n                allInputs[i].value = fieldVal;\n            }\n        }\n    }\n\n    var remove_tooltips = function() {\n        for (var i = 0; i < tooltips.length; i++) {\n            tooltips[i].tip.parentNode.removeChild(tooltips[i].tip);\n        }\n        tooltips = [];\n    };\n    var remove_tooltip = function(elem) {\n        for (var i = 0; i < tooltips.length; i++) {\n            if (tooltips[i].elem === elem) {\n                tooltips[i].tip.parentNode.removeChild(tooltips[i].tip);\n                tooltips.splice(i, 1);\n                return;\n            }\n        }\n    };\n    var create_tooltip = function(elem, text) {\n        var tooltip = document.createElement('div'),\n            arrow = document.createElement('div'),\n            inner = document.createElement('div'), new_tooltip = {};\n        tooltip.id = `${elem.id}-error`;\n        tooltip.setAttribute('role', 'alert')\n        if (elem.type != 'radio' &#038;&#038; (elem.type != 'checkbox' || elem.name === 'sms_consent')) {\n            tooltip.className = '_error';\n            arrow.className = '_error-arrow';\n            inner.className = '_error-inner';\n            inner.innerHTML = text;\n            tooltip.appendChild(arrow);\n            tooltip.appendChild(inner);\n            elem.parentNode.appendChild(tooltip);\n        } else {\n            tooltip.className = '_error-inner _no_arrow';\n            tooltip.innerHTML = text;\n            elem.parentNode.insertBefore(tooltip, elem);\n            new_tooltip.no_arrow = true;\n        }\n        new_tooltip.tip = tooltip;\n        new_tooltip.elem = elem;\n        tooltips.push(new_tooltip);\n        return new_tooltip;\n    };\n    var resize_tooltip = function(tooltip) {\n        var rect = tooltip.elem.getBoundingClientRect();\n        var doc = document.documentElement,\n            scrollPosition = rect.top - ((window.pageYOffset || doc.scrollTop)  - (doc.clientTop || 0));\n        if (scrollPosition < 40) {\n            tooltip.tip.className = tooltip.tip.className.replace(\/ ?(_above|_below) ?\/g, '') + ' _below';\n        } else {\n            tooltip.tip.className = tooltip.tip.className.replace(\/ ?(_above|_below) ?\/g, '') + ' _above';\n        }\n    };\n    var resize_tooltips = function() {\n        if (_removed) return;\n        for (var i = 0; i < tooltips.length; i++) {\n            if (!tooltips[i].no_arrow) resize_tooltip(tooltips[i]);\n        }\n    };\n    var validate_field = function(elem, remove) {\n        var tooltip = null, value = elem.value, no_error = true;\n        remove ? remove_tooltip(elem) : false;\n        elem.removeAttribute('aria-invalid');\n        elem.removeAttribute('aria-describedby');\n        if (elem.type != 'checkbox') elem.className = elem.className.replace(\/ ?_has_error ?\/g, '');\n        if (elem.getAttribute('required') !== null) {\n            if (elem.type == 'radio' || (elem.type == 'checkbox' &#038;&#038; \/any\/.test(elem.className))) {\n                var elems = form_to_submit.elements[elem.name];\n                if (!(elems instanceof NodeList || elems instanceof HTMLCollection) || elems.length <= 1) {\n                    no_error = elem.checked;\n                }\n                else {\n                    no_error = false;\n                    for (var i = 0; i < elems.length; i++) {\n                        if (elems[i].checked) no_error = true;\n                    }\n                }\n                if (!no_error) {\n                    tooltip = create_tooltip(elem, \"Seleccione una opci\u00f3n.\");\n                }\n            } else if (elem.type =='checkbox') {\n                var elems = form_to_submit.elements[elem.name], found = false, err = [];\n                no_error = true;\n                for (var i = 0; i < elems.length; i++) {\n                    if (elems[i].getAttribute('required') === null) continue;\n                    if (!found &#038;&#038; elems[i] !== elem) return true;\n                    found = true;\n                    elems[i].className = elems[i].className.replace(\/ ?_has_error ?\/g, '');\n                    if (!elems[i].checked) {\n                        no_error = false;\n                        elems[i].className = elems[i].className + ' _has_error';\n                        err.push(\"Es necesario verificar %s\".replace(\"%s\", elems[i].value));\n                    }\n                }\n                if (!no_error) {\n                    tooltip = create_tooltip(elem, err.join('<br \/>'));\n                }\n            } else if (elem.tagName == 'SELECT') {\n                var selected = true;\n                if (elem.multiple) {\n                    selected = false;\n                    for (var i = 0; i < elem.options.length; i++) {\n                        if (elem.options[i].selected) {\n                            selected = true;\n                            break;\n                        }\n                    }\n                } else {\n                    for (var i = 0; i < elem.options.length; i++) { if (elem.options[i].selected &#038;&#038; (!elem.options[i].value || (elem.options[i].value.match(\/\\n\/g))) ) { selected = false; } } } if (!selected) { elem.className = elem.className + ' _has_error'; no_error = false; tooltip = create_tooltip(elem, \"Seleccione una opci\u00f3n.\"); } } else if (value === undefined || value === null || value === '') { elem.className = elem.className + ' _has_error'; no_error = false; tooltip = create_tooltip(elem, \"Este campo es obligatorio.\"); } } if (no_error &#038;&#038; elem.name == 'email') { if (!value.match(\/^[\\+_a-z0-9-'&#038;=]+(\\.[\\+_a-z0-9-']+)*@[a-z0-9-]+(\\.[a-z0-9-]+)*(\\.[a-z]{2,})$\/i)) { elem.className = elem.className + ' _has_error'; no_error = false; tooltip = create_tooltip(elem, \"Introduzca una direcci\u00f3n de correo electr\u00f3nico v\u00e1lida.\"); } } if (no_error &#038;&#038; (elem.id == 'phone')) { if (elem.value.trim() &#038;&#038; typeof iti != 'undefined' &#038;&#038; !iti.isValidNumber()) { elem.className = elem.className + ' _has_error'; no_error = false; tooltip = create_tooltip(elem, \"Ingresa un n\u00famero de tel\u00e9fono v\u00e1lido.\"); } } if (no_error &#038;&#038; \/date_field\/.test(elem.className)) { if (!value.match(\/^\\d\\d\\d\\d-\\d\\d-\\d\\d$\/)) { elem.className = elem.className + ' _has_error'; no_error = false; tooltip = create_tooltip(elem, \"Introduzca una fecha v\u00e1lida.\"); } } if (no_error &#038;&#038; elem.name === 'sms_consent') { const phoneInput = document.getElementById('phone'); const consentRequired = phoneInput.attributes.required || phoneInput.value.length > 0;\n            const showError =  (consentRequired || !!elem.attributes.required) && !elem.checked;\n            if (showError) {\n                elem.className = elem.className + ' _has_error';\n                no_error = false;\n                tooltip = create_tooltip(elem, \"Marca esta casilla para continuar\");\n            } else {\n                elem.className = elem.className.replace(\/ ?_has_error ?\/g, '');\n            }\n        }\n        tooltip ? resize_tooltip(tooltip) : false;\n        if (!no_error && elem.hasAttribute('id')) {\n            elem.setAttribute('aria-invalid', 'true');\n            elem.setAttribute('aria-describedby', `${elem.id}-error`);\n        }\n        return no_error;\n    };\n    var needs_validate = function(el) {\n        if(el.getAttribute('required') !== null){\n            return true;\n        }\n        if((el.name === 'email' || el.id === 'phone' || el.id === 'sms_consent') && el.value !== \"\"){\n            return true;\n        }<\/p>\n<p>        return false;\n    };\n    var validate_form = function(e) {\n        var err = form_to_submit.querySelector('._form_error'), no_error = true;\n        if (!submitted) {\n            submitted = true;\n            for (var i = 0, len = allInputs.length; i < len; i++) {\n                var input = allInputs[i];\n                if (needs_validate(input)) {\n                    if (input.type == 'text' || input.type == 'number' || input.type == 'time' || input.type == 'tel') {\n                        addEvent(input, 'blur', function() {\n                            this.value = this.value.trim();\n                            validate_field(this, true);\n                        });\n                        addEvent(input, 'input', function() {\n                            validate_field(this, true);\n                        });\n                    } else if (input.type == 'radio' || input.type == 'checkbox') {\n                        (function(el) {\n                            function getElementsArray(name){\n                                const value =  form_to_submit.elements[name];\n                                if (Array.isArray(value)){\n                                    return value;\n                                }\n                                return [value];\n                            }\n                            var radios = getElementsArray(el.name);\n                            for (var i = 0; i < radios.length; i++) {\n                                addEvent(radios[i], 'change', function() {\n                                    validate_field(el, true);\n                                });\n                            }\n                        })(input);\n                    } else if (input.tagName == 'SELECT') {\n                        addEvent(input, 'change', function() {\n                            validate_field(this, true);\n                        });\n                    } else if (input.type == 'textarea'){\n                        addEvent(input, 'input', function() {\n                            validate_field(this, true);\n                        });\n                    }\n                }\n            }\n        }\n        remove_tooltips();\n        for (var i = 0, len = allInputs.length; i < len; i++) {\n            var elem = allInputs[i];\n            if (needs_validate(elem)) {\n                if (elem.tagName.toLowerCase() !== \"select\") {\n                    elem.value = elem.value.trim();\n                }\n                validate_field(elem) ? true : no_error = false;\n            }\n        }\n        if (!no_error &#038;&#038; e) {\n            e.preventDefault();\n        }\n        if (!no_error) {\n            const firstFocusableError = form_to_submit.querySelector('._has_error:not([disabled])');\n            if (firstFocusableError &#038;&#038; typeof firstFocusableError.focus === 'function') {\n                firstFocusableError.focus();\n            }\n        }\n        resize_tooltips();\n        return no_error;\n    };\n    addEvent(window, 'resize', resize_tooltips);\n    addEvent(window, 'scroll', resize_tooltips);\n\n    var _form_serialize = function(form){if(!form||form.nodeName!==\"FORM\"){return }var i,j,q=[];for(i=0;i<form.elements.length;i++){if(form.elements[i].name===\"\"){continue}switch(form.elements[i].nodeName){case\"INPUT\":switch(form.elements[i].type){case\"tel\":q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].previousSibling.querySelector('div.iti__selected-dial-code').innerText)+encodeURIComponent(\" \")+encodeURIComponent(form.elements[i].value));break;case\"text\":case\"number\":case\"date\":case\"time\":case\"hidden\":case\"password\":case\"button\":case\"reset\":case\"submit\":q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].value));break;case\"checkbox\":case\"radio\":if(form.elements[i].checked){q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].value))}break;case\"file\":break}break;case\"TEXTAREA\":q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].value));break;case\"SELECT\":switch(form.elements[i].type){case\"select-one\":q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].value));break;case\"select-multiple\":for(j=0;j<form.elements[i].options.length;j++){if(form.elements[i].options[j].selected){q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].options[j].value))}}break}break;case\"BUTTON\":switch(form.elements[i].type){case\"reset\":case\"submit\":case\"button\":q.push(form.elements[i].name+\"=\"+encodeURIComponent(form.elements[i].value));break}break}}return q.join(\"&#038;\")}; const formSupportsPost = false; var form_submit = function(e) { e.preventDefault(); if (validate_form()) { if(form_to_submit.querySelector('input[name=\"phone\"]') &#038;&#038; typeof iti != 'undefined') { form_to_submit.querySelector('input[name=\"phone\"]').value = iti.getNumber(); } \/\/ use this trick to get the submit button &#038; disable it using plain javascript var submitButton = e.target.querySelector('#_form_16_submit'); submitButton.disabled = true; submitButton.classList.add('processing'); var serialized = _form_serialize(document.getElementById('_form_16_')).replace(\/%0A\/g, '\\\\n'); var err = form_to_submit.querySelector('._form_error'); err ? err.parentNode.removeChild(err) : false; async function submitForm() { var formData = new FormData(); const searchParams = new URLSearchParams(serialized); searchParams.forEach((value, key) =>\n<p> {\n                    if (key !== 'hideButton') {\n                        formData.append(key, value);\n                    }\n                });\n                let request = {\n                    headers: {\n                        \"Accept\": \"application\/json\"\n                    },\n                    body: formData,\n                    method: \"POST\"\n                };<\/p>\n<p>                let pageUrlParams = new URLSearchParams(window.location.search);\n                if (pageUrlParams.has('t')) {\n                    request.headers.Authorization = 'Bearer ' + pageUrlParams.get('t');\n                }\n                const response = await fetch('https:\/\/miituo9777.activehosted.com\/proc.php?jsonp=true', request);<\/p>\n<p>                return response.json();\n            }\n            if (formSupportsPost) {\n                submitForm().then((data) => {\n                    eval(data.js);\n                }).catch(() => {\n                    _show_error(\"16\", \"Lo sentimos, ocurri\u00f3 un error con el env\u00edo. Vuelve a intentarlo.\");\n                });\n            } else {\n                _load_script('https:\/\/miituo9777.activehosted.com\/proc.php?' + serialized + '&jsonp=true', null, true);\n            }\n        }\n        return false;\n    };\n    addEvent(form_to_submit, 'submit', form_submit);\n})();<\/p>\n<p><\/script><\/p>\n<\/section>\n<section>\n<h2><span class=\"ez-toc-section\" id=\"%C2%BFCuando_comenzar_a_ahorrar_para_el_retiro\"><\/span>\u00bfCu\u00e1ndo comenzar a ahorrar para el retiro?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>F\u00e1cil: cuanto antes, mejor. Es com\u00fan que para las personas j\u00f3venes (como aquellos que est\u00e1n saliendo de la universidad y tienen su primer empleo) no les preocupe mucho el tema del ahorro. Y esto es muy preocupante, porque la poblaci\u00f3n mexicana est\u00e1 envejeciendo y la realidad es que solo 7 de cada 100 mexicanos se han preocupado por hacerse de alg\u00fan ahorro para el retiro.<\/p>\n<p>\u00bfPuedes imaginarte la calidad de vida en la vejez que tendr\u00e1n esas personas al percibir solo el 30% de sus sueldos? Y es que no se trata solo de sobrevivir, sino de vivir sin presiones financieras (lo que te ayudar\u00e1 a vivir mejor y tener una mejor calidad de vida) por los a\u00f1os siguientes a tu vida laboral.<\/p>\n<p>Si a\u00fan no has comenzado a ahorrar, nunca es tarde para que lo comiences a hacer. Comienza por establecer metas financieras y no olvides poner en pr\u00e1ctica todos los <a href=\"https:\/\/www.miituo.com\/Blog\/cotizar-seguro-de-auto\/metodos-efectivos-para-ahorrar-dinero\">m\u00e9todos para ahorrar dinero en serio<\/a> que conozcas. Y si es necesario, incluso puedes ayudarte de la tecnolog\u00eda y bajar algunas de las mejores <a href=\"https:\/\/www.miituo.com\/Blog\/seguro-por-kilometro-recorrido\/apps-para-ahorrar\">apps para ahorrar<\/a>. Ver\u00e1s que as\u00ed tendr\u00e1s un ahorro sustancial y podr\u00e1s vivir una vida sin preocupaciones monetarias en tu vejez.<\/p>\n<\/section>\n<section class=\"no-padding\"><a href=\"https:\/\/miituo.com\/?utm_source=blog&amp;utm_medium=org&amp;utm_campaign=boton&amp;utm_content=ahorroretiro&amp;utm_term=20200622\" target=\"_blank\" rel=\"noopener\"><img decoding=\"async\" class=\"cursor\" src=\"https:\/\/www.miituo.com\/Images\/blog\/banner.gif\" loading=\"lazy\" \/><\/a><\/section>\n","protected":false},"excerpt":{"rendered":"<p>Tener un ahorro para el retiro es una de las cosas m\u00e1s importantes que debes hacer si quieres una vida digna en la vejez. Te decimos cu\u00e1ndo comenzar a<\/p>\n","protected":false},"author":15,"featured_media":1823,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"inline_featured_image":false,"footnotes":""},"categories":[20],"tags":[],"class_list":["post-1325","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-estilo-de-vida"],"_links":{"self":[{"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/posts\/1325","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/users\/15"}],"replies":[{"embeddable":true,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/comments?post=1325"}],"version-history":[{"count":2,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions"}],"predecessor-version":[{"id":35484,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/posts\/1325\/revisions\/35484"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/media\/1823"}],"wp:attachment":[{"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/media?parent=1325"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/categories?post=1325"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/miituo.com\/blog\/wp-json\/wp\/v2\/tags?post=1325"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}