An economy ready for new challenges
Modern solutions for those seeking a more efficient management of their resources.
Educational content aligned with CONDUSEF and CNBV · Free of charge · Available in English and Spanish
Families registered in 2026: 48,720
32 Mexican states served
Registered before CONDUSEF and RENIECYT
100% free educational materials
New opportunities to strengthen your patrimony
Access tools that make it easier to evaluate new economic opportunities.
Organize your income and expenses with method
Learn to build a clear monthly budget based on the 50-30-20 model adapted to Mexican households.
Measurable, realistic savings goals
Discover how to separate an emergency fund, a mid-term reserve, and a retirement contribution step by step.
Evaluate before signing any contract
Understand the CAT, the annual effective rate, and typical clauses of credit, payroll, mortgage, and auto loans.
Official benefits within reach of your family
Identify benefits from programs like Bienestar, INFONAVIT, FOVISSSTE, and AFORE, and learn how to apply with the right documentation.
Discover solutions designed for your growth
Discover a clearer, more practical financial experience adapted to your needs.
Personal finance course
6 weeks · 2 hours per week
Adults between 30 and 60
A guided journey led by certified instructors combining workbooks, short videos, and practice exercises in Mexican pesos.
Retirement workshop with AFORE
3 sessions · 90 minutes
IMSS and ISSSTE workers
Review your statement, learn to compare fees, and understand the early withdrawal options for unemployment and marriage.
INFONAVIT housing module
4 sessions · 60 minutes
Credit applicants
Simulate your score, review your housing subaccount, and study the different modalities: Tradicional, Cofinavit, Unamos Crédito, and Mejoravit.
Boost your savings with modern technology
Modern strategies aimed at preserving and developing the potential of your patrimony.
Free diagnosis
Answer a 12-minute questionnaire and receive a snapshot report of your current financial situation.
Learning plan
Our academic team prepares a personalized path with modules, readings, and practical exercises.
Human guidance
Biweekly group sessions with counselors certified by the Mexican Association of Financial Educators.
Assessment and certificate
At the end you receive a digital certificate and a list of concrete next steps for your household.
Voices from our community
Testimonials from people who participated in the 2025 cycle and applied what they learned in 2026.
“I reorganized my budget and, for the first time in five years, I managed to save the equivalent of three months of expenses.”
María Fernanda Reyes
Retired teacher, Puebla
“I understood how my AFORE works and changed administrator after comparing fees and yields.”
Ricardo Alarcón
Certified accountant, Monterrey
“The INFONAVIT workshop helped me prepare my file and apply for the loan with my wife without surprises.”
Guadalupe Ordóñez
Social worker, Mérida
Build a stronger financial foundation
A modern way to manage resources and prepare for new economic opportunities.
Important notices
- We do not provide financial services and do not perform intermediation, deposit-taking, or investment advisory activities.
- Content published on Lumivariomx is educational material and does not constitute investment recommendations or advice.
- Any potential yield mentioned in the materials is presented taking corresponding risks into consideration and does not represent a promise of return.