{"id":5387,"date":"2025-12-15T13:44:34","date_gmt":"2025-12-15T18:44:34","guid":{"rendered":"https:\/\/louisbarajas.com\/?p=5387"},"modified":"2026-03-10T18:56:51","modified_gmt":"2026-03-10T22:56:51","slug":"planificacion-para-los-6-desastres-de-la-vida","status":"publish","type":"post","link":"https:\/\/louisbarajas.com\/es\/planning-for-the-6-life-disasters\/","title":{"rendered":"Planificaci\u00f3n para los 6 desastres de la vida: protegiendo su futuro con Coraz\u00f3n\u00a0"},"content":{"rendered":"\t\t
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Planning for the 6 Life Disasters: Protecting Your Future with Coraz\u00f3n <\/h1>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t<\/section>\n\t\t\t\t
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Plan So The 6 Disasters Don't Derail Your Life<\/h3>\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t
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I once had a client who came to me and had $30,000 of credit card debt on different cards with interest rates ranging from 15 to 24 percent. She\u2019d been stuck in this debt cycle for years\u2014trying to pay it down but getting nowhere.\u00a0<\/span>\u00a0<\/span><\/p>

Her debt wasn\u2019t a moral failing, it was just a fact of her financial life. And before we could move forward, it was something we needed to address before we could get any further into her financial plan.\u00a0<\/span>\u00a0<\/span><\/p>

Before I ever talk about wealth building with clients, I talk to them about something far more urgent: How do we protect you and your family from the six disasters that can sabotage your future? Because when it comes down to it, financial planning is just as much about protecting your wealth as it is about building it.\u00a0<\/span>\u00a0<\/span><\/p>

Debt is just one of the financial disasters, with the others being divorce, downsizing, disasters (natural and otherwise), disabilities, and death.\u00a0<\/span>\u00a0<\/span><\/p>

In this post, I want to walk you through the Six D\u2019s\u2014the six disasters that can derail even the wealthiest people\u2014and how to prepare to face them in a way that preserves your financial dignity.<\/span>\u00a0<\/span><\/p>

Disaster No. 1: Debt<\/span><\/b>\u00a0<\/span><\/h4>

A vast majority of people in the United States carry some form of debt, including credit cards, mortgages, auto loans, and student loans. <\/span>Experian reports<\/span><\/a> that the average consumer debt reached nearly $105,000, but the averages vary drastically between generations. Generation X (those ages 45-60) has the highest amount of average debt at around $158,000, which is down .8 percent from 2024. And Generation Z (those ages 18-28) have the lowest average debt, at around $34,000, but that is up 7.8 percent from 2024. And millennials (those ages 29-44) have an average of about $132,000 in debt, which is up 1.6 percent from 2024.\u00a0<\/span>\u00a0<\/span><\/p>

Of the different types of debt, credit cards made up the lion\u2019s share of the debt, followed by auto loans, mortgages, and personal loans.\u00a0<\/span>\u00a0<\/span><\/p>

All that to say is that if you have debt, you are clearly not alone and it\u2019s a disaster that we must plan for.\u00a0<\/span>\u00a0<\/span><\/p>

How to plan: <\/span><\/b>The truth is that <\/span>all progress starts by telling the truth. <\/span>Awareness is you can\u2019t change what you don\u2019t acknowledge. Start by doing your own \u201cobstacle detector\u201d:<\/span>\u00a0<\/span><\/p>