Ivan Coronado

Acabo de solicitar una pignoración en MyInvestor. He dejado como garantía mis fondos de inversión, unos 20.000€ y he pedido el mismo importe a 20 años y un 4,59% TAE. La operación ha sido sencillísima, ahora estoy a la espera de la aprobación del banco.

Julian Rotter ran a study in 1960s that accidentally explained why most people never build a life they actually chose. He called it locus of control. People with an external locus believe their outcomes are governed by forces outside themselves: luck, authority, circumstance, other people’s decisions. People with an internal locus believe their actions are the primary driver of what happens to them. Decades of follow-up research produced a finding so consistent it borders on uncomfortable. Internal locus of control is one of the strongest predictors of income, health, relationship satisfaction, and psychological wellbeing ever measured across cultures. The school system, almost by design, trains external locus into children from the earliest age. You don’t choose what to learn. You don’t choose when to learn it. You don’t choose how to demonstrate understanding. Someone else sets the standards, grades your performance, and tells you whether you were adequate. Do this for sixteen years straight and you don’t just learn math and literature. You learn, at a neurological level, that external authorities define what counts as success and whether you’ve achieved it. Psychologists call the long term result of this “learned helplessness,” a term Martin Seligman developed after watching dogs stop trying to escape electric shocks even when escape became possible. The shocks had been uncontrollable for long enough that the animals stopped registering their own agency as a real variable. The cage door opened and they stayed inside because their nervous system had stopped believing that moving would change anything. The overlap between Seligman’s dogs and adults who cannot imagine building income outside a employer’s permission structure is not metaphorical. It is mechanistic. The brain that was never allowed to direct its own learning, never allowed to fail on its own terms and recover, never rewarded for autonomous decision making, genuinely loses resolution on its own capacity for self direction. The capability atrophies the way a muscle does when it goes unused. Reclaiming internal locus of control as an adult is rehabilitation work. And the research shows it compounds exactly the way the damage did, slowly, then faster than you expected.

NEW: 🇩🇪🇨🇳 German Chancellor Merz says Germans need to work more in order to match China: “We are simply no longer productive enough. Each individual may say, “I already do quite a lot.” And that may be true. But when you return from China, ladies and gentlemen, you see things more clearly. With work-life balance and a four-day week, long-term prosperity in our country cannot be maintained. We will simply have to do a bit more.”