Cartas a Robinson
Columna de Asesoría y Consultas
Consultas financieras reales enviadas por lectores, respondidas con la debida diligencia cuantitativa de un asesor CFP/CFA.
Cartas: Mis Padres Dejaron el Negocio Familiar a Mi Hermano, No a Mí — ¿Cuáles Son Mis Derechos?
Dear Robinson, I am heartbroken and furious. My parents passed away within months of each other earlier this year, in late 2025 and early 2026. They built a successful manufacturing business from the...
Cartas: Disputas por Manutención y Gastos Excesivos de Crianza Compartida: ¿Cuáles Son Mis Derechos?
Dear Robinson, I'm at my wit's end. My ex-husband, Mark, and I divorced three years ago, and we have two amazing kids, Emily (10) and Josh (7). The court ordered him to pay a set amount of child supp...
Cartas: Deuda de Boda vs. Pago Inicial - Un Dilema Prenupcial
Dear Robinson Roacho, I’m writing to you because I feel like I’m at a crossroads, and my wedding planning has turned into a financial nightmare. My fiancé, Mark, and I are getting married next year,...
Cartas: Heredé una Fortuna, Ahogándome en Deudas – ¿Invertir o Pagar?
Dear Robinson, I’m writing to you because I’m completely overwhelmed and don't know what to do. My Aunt Carol, bless her soul, passed away last month and left me a surprise inheritance of $100,000. I...
Cartas: Pánico a Media Carrera – ¿Todavía Puedo Ahorrar Suficiente para el Retiro a los 58?
Dear Robinson, I'm writing to you in a state of utter panic. I'm 58 years old, and my retirement savings are, frankly, pathetic. I only have about $120,000 saved, mostly in a traditional 401(k) from...
Cartas: Mi Hermana Vació la Cuenta de Cuidado de Nuestra Madre y Quiere la Casa Familiar
Dear Robinson Roacho, I'm writing to you out of desperation. My mother, who is 82, has been declining mentally for the past two years. My sister, Clara, lives closer to Mom and has always been the 'f...
Cartas: Mi Hermano se Niega a Ayudar con el Cuidado de Demencia de Mamá de $130,000 al Año. ¿Qué Hago?
Dear Robinson, I’m at my breaking point. For the past two years, I’ve been the primary caregiver for my mother, who has rapidly progressing dementia. She’s 82, and her needs have escalated to 24/7 sup...
Cartas: La familia de mi prometido exige una boda extravagante y un acuerdo prenupcial unilateral. ¿Qué hago?
Dear Robinson, I'm writing to you from a place of deep emotional turmoil. My fiancé, Mark, and I are set to marry in six months, and what should be the happiest time is turning into a nightmare. We've...
Cartas: Navegando Regalos Familiares y la Compra de Primera Vivienda en un Mercado Costoso
Subject: Trapped between my dream home and my parents' expectations! Dear Robinson, My husband, Mark, and I are at our wits' end. We've been saving diligently for years to buy our first home. We liv...
Cartas: Poniéndome al día con el ahorro para la jubilación a los 58, ¿es demasiado tarde?
Dear Robinson, I’m writing to you in absolute panic. My husband and I are both 58 years old, and we’re staring down retirement with barely anything saved. We always prioritized our kids’ education and...
Cartas: Mi 'Mejor Amigo' Me Debe $50,000 y Me Ignora. ¿Qué Hago?
Dear Robinson, I’m writing to you out of sheer desperation and a broken heart. Three years ago, in 2023, my best friend, Mark, was struggling to get his tech startup off the ground. He came to me, dis...
Cartas: Mi hermano no ayuda con el cuidado de mi mamá, y estoy agotando mis ahorros para el retiro
Dear Robinson Roacho, I’m writing to you out of sheer desperation. My mother, who is 82, had a stroke six months ago, and her health has declined significantly. She now requires full-time in-home car...
Cartas: ¡Mi ex es rico, pero las crecientes necesidades de nuestro hijo me ahogan!
Dear Robinson, I’m writing to you out of sheer desperation. My ex-husband, Mark, and I divorced five years ago, and our child, Leo, is now 12. The child support order was set back then, and honestly,...
Cartas: Sueños de Casa a Reformar vs. Miedos Financieros: Un Dilema Prematrimonial
Dear Robinson, I'm writing to you because I'm at my wit's end, and my wedding is only six months away. My fiancé, Mark, and I have been together for seven years and have diligently saved $120,000 for...
Cartas: Heredé $100K, pero estoy ahogado en deudas con intereses altos – ¿Qué debo hacer?
Dear Robinson, I'm writing to you in a state of complete financial paralysis. My beloved Aunt Clara recently passed away and, to my shock, left me a substantial inheritance of $100,000. It's a bitter...
Cartas: Mi Hermano Me Debe $100,000 Para Su Casa, y Nuestra Familia Se Está Desmoronando
Dear Robinson, I'm writing to you in desperation. Two years ago, in early 2024, my brother, Mark, was in a bind. He found his dream house but was short on the down payment. He came to me, promising to...
Cartas: Mi Hermana Heredó la Casa del Lago Familiar, Yo Recibí Dinero – ¿Cuáles Son Mis Derechos?
Dear Robinson, I'm writing to you from a place of deep hurt and confusion. My mother passed away last month, and her will has caused a rift in our family that I fear can never be mended. For the past...
Cartas: La Vida Lujosa de Mi Ex vs. las Necesidades de Nuestros Hijos – ¿Puedo Obtener Más Manutención Infantil en 2026?
Dear Robinson, I'm at my wit's end. My ex-husband, Mark, and I divorced three years ago. We have two amazing kids, 10 and 12. The divorce was messy, and the child support order was based on his incom...
Cartas: Boda Soñada vs. Realidad Prenupcial – ¿Puede Nuestro Matrimonio Sobrevivir?
Dear Robinson, I'm at my wit's end. My fiancé, Mark, and I are supposed to be planning our dream wedding for next spring, but it's turning into a nightmare. I’ve always envisioned a big, beautiful cel...
Cartas: ¿Debo Invertir Mi Herencia o Pagar Deudas con Intereses Altos?
Dear Robinson, I'm writing to you today feeling completely overwhelmed and desperate for guidance. My grandmother, bless her soul, recently passed away and left me $50,000. It's a bittersweet moment,...
Cartas: Dilema de Ahorro para la Jubilación en la Madurez Profesional - ¿Es Demasiado Tarde?
Dear Robinson, I'm writing to you feeling completely overwhelmed and frankly, a bit ashamed. My husband, Mark, and I are 58 years old. We've worked hard our entire lives, but our focus was always on...
Cartas: Mis hermanos quieren vender la casa de mamá, pero yo vivo ahí y no puedo comprar sus partes. ¿Cuáles son mis opciones?
Dear Robinson Roacho, I’m writing to you from a place of deep despair and utter exhaustion. My parents passed away within six months of each other last year, leaving behind their home – the house I g...
Cartas: Rivalidad entre Hermanos y el Aplastante Costo del Cuidado de Ancianos en 2026
Dear Robinson Roacho, I am at my breaking point. My 82-year-old mother’s health has declined rapidly over the last year, and she now requires extensive in-home care. I’ve taken on the role of her pri...
Cartas: Presión Prenupcial y Boda de $150K – ¿Puede el Amor Sobrevivir a la Charla del Dinero?
Dear Robinson, I'm writing to you because I'm at my wit's end. My fiancé, Mark, and I are supposed to be planning our dream wedding for next spring, but it's turned into a nightmare. He comes from a v...
Cartas: Dilema de la Casa Familiar – ¿Debemos Comprar la Casa de Mis Padres o la Casa de Nuestros Sueños?
Subject: My Parents Are Guilt-Tripping Me into Buying Their Old House – And It's Ruining My Relationship! Dear Robinson, I'm writing to you because I'm at my wit's end. My partner, Alex, and I have...
Cartas: ¿Puedo Realmente Recuperar el Ahorro para la Jubilación a los 58?
Dear Robinson, I am writing to you in absolute despair. I'm 58 years old, and frankly, my retirement savings are pathetic. For years, my life revolved around supporting my ex-husband's entrepreneurial...
Cartas: El Préstamo Fallido del Negocio de Mi Hermano Está Arruinando Nuestra Familia y Mi Futuro
Dear Robinson, I'm writing to you out of desperation. Three years ago, in 2023, my brother David approached me with an exciting business idea. He needed $50,000 to get it off the ground. We're close,...
Cartas: Rivalidad entre hermanos y el costo disparado del cuidado de personas mayores
Dear Robinson, I'm at my wit's end. My older brother, Mark, lives just an hour away from our 82-year-old mother, Clara, who has been in declining health since her stroke last year. I live across the c...
Cartas: La Nueva Esposa de Mi Ex-Marido Controla su Cartera, Dejándome Ahogada en Deudas de Manutención Infantil en 2026
Dear Robinson, I'm at my wit's end. My ex-husband, Mark, and I divorced five years ago, and we have a 10-year-old son, Leo. Our child support agreement felt fair at the time, but it's 2026 now, and e...
Cartas: Mi Hermano Me Debe $50,000 y Está Destrozando a Nuestra Familia
Dear Robinson, I'm writing to you out of desperation. Six years ago, in 2020, my younger brother, Mark, needed a down payment for his first home. He was struggling, and I had some savings, so I lent...
Cartas: El Negocio Fallido de Mi Amigo Me Costó el Pago Inicial de Mi Casa
Dear Robinson, I’m writing to you because I’m desperate and don’t know where else to turn. My friendship with Mark, my best friend since college, is on the brink of collapse, and my financial future...