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La creadora de contenido Lola Vargas habla de finanzas personales para mujeres jóvenes y de algo que atraviesa muchas decisiones: la autonomía económica. En conversación con Las Igualadas, cuenta cómo su propia historia como mujer migrante y su relación con el dinero la llevaron a hablar de autonomía económica, libertad y feminismo.
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00:00Based on my finances, I'm not Carrie Bradshaw because Carrie Bradshaw had 500 pairs of shoes.
00:07She then asked her friend to buy her apartment and got angry when she didn't.
00:12I mean, I don't know what Carrie Bradshaw is about.
00:13She invests it, we don't like her.
00:15I'm a Carrie Hater.
00:16Right now I feel very Miranda Hobbes.
00:19And yes, she is a super successful lawyer, she is super proud, she arrives at the biggest apartment in Manhattan
00:25And he says, yes, I want this one.
00:26And everyone, but is it just you? What about your husband? What about your wife?
00:30And she, no, it's just me.
00:34I feel like Miranda is a boss, I love her.
00:39And Miranda invests it in the stock market.
00:41So, she invests for herself.
00:43So I think I love too much.
00:50Lola, thank you very much for joining us in this space of Las Igualadas.
00:54We want to know a little about you, your content, and a little about what you talk about regarding finance.
00:59To begin with, tell us who Lola is.
01:02Well, thank you very much for having me.
01:05My name is Lola, Lola Vargas.
01:07It's not my real name, but let's say artistically it's Lola.
01:10I create personal finance content with a gender focus.
01:14So, personal finance for women.
01:16And I also talk a lot about my life, my processes, understanding my finances,
01:21Understanding my life, understanding myself also in love, in the world, as a young woman.
01:26But the main goal of my content is to give members tools
01:31so that they can become increasingly free and financially independent.
01:35You present yourself as someone who is figuring out their money and their 20s.
01:39Tell us a little more about how you started talking about these finance topics.
01:42I've talked about many topics on social media.
01:44I've talked about sexuality, I've talked about feminism, I've talked about art.
01:48And eventually, as my life trajectory dictated, I began to have many financial problems.
01:57And it was a very difficult time in my life financially.
02:01I realized that I had received very little financial education.
02:06In that the access I had to financial products or information regarding finances
02:11It was very limited compared to what other people had.
02:15Because at that time I was living in Canada.
02:17And the culture regarding financial education is abysmal.
02:21So I, at about 22 years old, said like, this has to change and something is wrong here.
02:28I started educating myself a lot financially.
02:31Lot.
02:31At university, with books, with videos, with courses.
02:35And I started talking about it.
02:37And I think that if you're going to be watching my videos for two or three years, you can watch my first video.
02:41where I say how, I'm going to start organizing cooking for fewer people.
02:45And the girls loved it.
02:48And well, I had always spoken to women.
02:49I have a community that is 99% women.
02:53Of women.
02:56So, we hooked up right away.
02:58I kept working on that topic and I kept working on it.
03:00And eventually I realized the impact I was having.
03:04Not only in my life, but in the lives of other girls.
03:08Because there are very few role models in videos, personal ones, for young women.
03:13I would like to ask you something that you mentioned, which was that you started talking about sexuality.
03:17Tell us a little bit about that.
03:19It was also quite a while ago, so I imagine it was a topic that wasn't often discussed on social media.
03:23Tell us about that beginning.
03:24Yes, and sometimes I feel like going back because one makes me want to do things.
03:28I mean, you hear things that make you say we're in the Stone Age.
03:32Or what's going on.
03:32And at that moment I considered it to be a very important issue in my life.
03:37It was as if a lot was being discovered.
03:39And that was beginning to show.
03:41Or well, it's that this conservative thinking.
03:44And I say, I erase, with respect to sexuality it has never disappeared.
03:47But around that time, these women of high value began to emerge.
03:52And one of the topics they discussed was the topic of sexuality.
03:54If you have casual sex, you don't respect yourself.
03:57Do not give him access to your body.
03:59They give them access to your energy.
04:01Men aren't going to choose you.
04:03If you have casual sex, men won't see you as a wife.
04:08And I say to myself.
04:11I was like, I'm not understanding these conversations.
04:14Because once again, perhaps in the environment in which I moved, in Canada.
04:18It was very different.
04:19And my friends and I always saw sexuality as, first and foremost, a personal decision.
04:23And secondly, well, it wasn't that taboo.
04:26I'd like to ask you about migration, wouldn't you?
04:29You were just talking about how you had lived in Canada.
04:31Tell us about that and what it's like to be a migrant woman.
04:34I went to Canada for the first time when I was 11 years old.
04:38With my mom and my brother.
04:42And I don't know why, I mean, 15 years later I still kind of think about that moment in my life.
04:48And I remember it as a very difficult time, and you passed by the chat.
04:53It was perhaps the first moment in my life where I truly felt that I was, this concept of the
05:00another age.
05:00That I was the other woman.
05:01That I didn't fit in.
05:03That I was different.
05:04That I didn't have the same resources.
05:06The same money.
05:07The same language.
05:10And it said the size and the one was seen as less.
05:13Like the immigrant, the Latina.
05:16And that was very difficult.
05:17It was very difficult for me as a child.
05:19But it was also very difficult for my mom as a woman and as a mother.
05:24We, like I believe most immigrants, live in a precarious and complicated situation.
05:30In other words, I always had a roof over my head and three meals a day.
05:33Always.
05:34And education.
05:34And I would always be grateful to my mom for that.
05:38But it was really difficult.
05:40My mom worked as a housekeeper in hotels.
05:44As a domestic worker.
05:46As a cashier.
05:48Like in factory jobs.
05:49And he worked all the time.
05:51And that barely covered our needs.
05:54So let's just say it was something that marked me a lot.
05:58And then, I went back to Colombia.
06:01And then I went back to Canada.
06:03When I came back, let's just say I already had a slightly different role.
06:06That perhaps if I had lived in Colombia things wouldn't have been like that.
06:09Maybe so, maybe it would have been worse.
06:11Of course, there are always people.
06:13That is, as in much more complicated and complex situations.
06:18But the label of immigrant with few resources is something that I think one will always have.
06:24to penetrate the identity.
06:26And in financial identity.
06:28Well, first of all, thank you very much for telling us your story.
06:30And also for opening up to tell us all that.
06:33Do you think that family life, that personal life, is what led you to speak specifically about
06:38finance?
06:39Yeah.
06:39Yes, and the more time passes, the more I see it.
06:45I may have already said this in other forums.
06:47But I think that we, and the generations that came before us, grew up with the idea that
06:55They needed a man to provide that financial support.
07:00Let's say that my mom's generation was probably already being told things like, "No, go study, you can have..."
07:05your money.
07:06But there was always something like, "But you need a husband, but you need the father of your daughters."
07:10But you might not be able to sunbathe.
07:12I hear that a lot, but why don't you talk about women and money? It's the same.
07:16for everyone?
07:17It isn't.
07:19As a man, they don't tell you that you have to get certain things to be okay.
07:22I mean, that's not something you believe in.
07:24It's best not to listen.
07:28So, there are many beliefs that a woman has to get rid of.
07:32It's quite complex.
07:33I would also like to ask you, at this moment, why is it urgent to talk about finances for women?
07:40I feel that it has always been important that until a few decades ago we were able to have money, to have bank accounts.
07:50But I feel that we are at a rather crucial political moment because of the rise of the right wing to power.
07:56With the rise of the right wing to power, many traditional values that had been preserved are returning.
08:00What belongs to the traditional family, and then the woman, this is the role of the man, and this is
08:05the role of man.
08:07Regardless, beyond personal beliefs and what each person hopes for in their partner and love life,
08:14Money is power, and having a space and a voice in the public sphere is ultimately what matters.
08:21that decides how society works.
08:24So, if women return to this role of staying at home taking care of our children and our husbands,
08:31Who are out there deciding our futures?
08:34We often see money as the enemy; money is bad, and money is produced by exploiting others.
08:42other people.
08:43Like all this negative aspect of money, but money is also about decisions, and money that's well-directed can go far.
08:51towards causes that improve the world and improve the lives of other people.
08:56And if women have access to money, we will allow more women to have access to money.
09:01Because statistically, when women have access to money, we are more likely to donate it, to use it for charitable causes, to
09:08to help other women.
09:09So, if we want to create a world and steer the world in the direction we want to see,
09:15We need to have economic capital, a voice and a vote, and a seat at those tables where
09:22We've never had the space.
09:23Let's talk about economic autonomy, specifically, what does it look like?
09:26Perhaps it may look different for each woman.
09:29And I think it's important for a woman to feel this way; what does a life of economic independence look like for me?
09:34But I believe that in academic terms, economic autonomy is the power to decide, economic autonomy is the power to say that
09:47I want what I truly want, from a place of freedom and not from a place of need.
09:52And above all, and most importantly, economic autonomy means being able to leave, always.
09:57To leave the chaos that shouldn't be exploiting me, to leave the relationship that is abusing me.
10:04That's so important.
10:07Look, I was looking for statistics on things like financial violence and they are really hard to find because women don't recognize them.
10:14So, since we don't recognize financial violence, we don't report it.
10:19So, it's like a type of violence that is too hidden, but that is usually also accompanied by physical violence.
10:26sexual violence.
10:29And I believe that many women do not leave their relationships or abusive relationships because of the economic issue.
10:37And no, because they can't, as I was just telling you.
10:40Perhaps sometimes they can, there are clearly structural problems with economic possibilities, but many times they can.
10:47And because of this fear that I won't be able to let go of the belief, I won't be able to let go of the belief, no
10:51I'm going to be able to let go, which is extremely difficult.
10:53It even happened to me.
10:54And I had the money.
10:55Let's talk about the controversy that was recently involved in on social media; we heard a little bit
11:03There were criticisms about how they used stereotypical things to explain things to the female leaders, right?
11:10So, about using makeup, using outfits, using certain characters.
11:16And you came out obviously acknowledging those criticisms, but also making a point.
11:21Can you tell them a little about that aspect?
11:22This seems very funny to me because I am the main instigator and culprit of it.
11:30I did, I started making money for girls three years ago.
11:34But for me at that moment, starting to make money for girls was just that, it was like a horse of
11:39gauge.
11:40That's how I like to see it.
11:41To attack the violent one.
11:43Because at that moment, I think social media has set us back a lot.
11:49We started talking about girl math.
11:50I mean, a totally stupid thing that was basically like the mismanagement of the hundreds of women.
11:57Explained in girl math.
11:58Oh, I'm just a girl.
11:59So no, I'm looking for a man with whom I don't have to use my brain.
12:04And I don't like driving.
12:06So, my man does everything for me.
12:07In other words, like really, an oriental regression.
12:10Under the idea that, I'm just a girl.
12:13I'm just a girl.
12:14I'm just a girl.
12:15So I said, like, okay.
12:19In other words, let's take the aesthetics, let's take the language, let's take what's trending on social media.
12:23It's like this hyper-feminine, super-aesthetic aesthetic.
12:27It's super like soft girl life.
12:30And let's talk about money.
12:31So I said, well, I'm going to use this term.
12:35But I'm going to completely change the direction.
12:37And I started talking about finance.
12:39And it worked incredibly well.
12:40And I reached many, many women who have stayed with me ever since.
12:46And we've learned to save.
12:47And we have learned to invest.
12:48And we have learned how to manage the stock market.
12:51And we've also realized that, well, we like makeup.
12:55And if you don't like it, just watch the video where I don't talk about makeup.
12:58Instead, I explain it using terms that have nothing to do with it.
13:01Well, we'd like to go back a little bit to something that's happening right now.
13:05And you may have already mentioned it.
13:07And right now we are seeing speeches from women of high value.
13:10The tradwives.
13:11What do you think about going back to that economic model they're selling us?
13:16I'm going to start by playing devil's advocate.
13:19I understand, I can understand, why this thought arises.
13:24And why is it that so many people are so attracted to something that says "it"?
13:28I feel that feminism had a time when it made a lot of progress.
13:32In terms of women, we can do the same as men.
13:35Women can earn the same amount as men.
13:38So, we can work as much as men.
13:40Brilliant.
13:41The problem is that men didn't walk that path with us.
13:46So, to some extent, the relationships became unbalanced.
13:51For example, in Colombia, women dedicate more than 7 hours to domestic work.
13:56While men dedicate a little over 3 hours to housework daily.
14:01Then, a historical point was reached where women were no longer just having the same jobs as men.
14:07men.
14:08Or well, trying, right?
14:09Because it also addresses all the employment gaps.
14:12Making the same money, aspiring to as much professionally and economically as men.
14:17But we also had all the domestic responsibilities.
14:20So, women's workload simply tripled.
14:23And obviously, because of the same system, we weren't seeing the fruits of all that change and all the work that
14:28We had.
14:28And many say so.
14:29It's even said that feminism is to blame for women having to work, and look at the lives we have now.
14:33It's not feminism's fault.
14:34It's not the fault of capitalism.
14:35For me, it's not that women continue to put themselves in situations where they have to invent things.
14:40Because, okay, then you won't be exploited at work and also exploited at home.
14:44But you're going to be in a very serious financial situation.
14:48How have you fared online and on social media talking about these topics?
14:52How do women who speak publicly about how they spend their money and what their [expectations] are doing?
14:58economic aspirations?
14:59I get criticized too much.
15:02Can I understand the criticism?
15:04I feel like I'm very open and sometimes I've had to say how I'm going to share a little less.
15:11Because I don't want that to create a rift between my girls and me.
15:16But in general there is a lot of criticism regarding how one spends money.
15:20Someone will always have to say, "But why should you have to put up with it?"
15:23Once my money.
15:24You talk so much about financial responsibility, and here I am traveling, and well, that's what I have money for.
15:32That's what I decide to do with my money.
15:34But I feel it's very jarring to see a woman who earns money, who talks openly about the money she makes, and
15:40She says, "I'm proud of this because I've worked for this."
15:43And he says I want more.
15:45And I want to be a millionaire.
15:48That shocks you.
15:49My grandmother is going to scare me a lot to say at first, but I'm going to say it.
15:51Because women have to get used to listening.
15:54I want to make money, I want to be a millionaire, I want a house, I want a mansion.
16:03Well, Lola, to wrap things up, I'd like to extend an open invitation to anyone who wants to come and see
16:08your content.
16:10I'd like to ask you what the first tip you could give a woman who wants to better manage her
16:15money.
16:16I would say that the most important thing is that you change or analyze, start to analyze your identity with money.
16:24Start thinking about all those beliefs you grew up with.