Not everyone can save. In fact, 70 out of every 100 Catalans do so, while 30% claim they cannot put money aside with what they earn per month. And among those who do save, the most common amount is about 150 euros per month, while the average is 292 euros. In any case, of all those who can save a monthly sum, only 13% account for about half of all savings, with an average of over 300 euros. At the Spanish level, those who hold half of the saved money, which is 21%, set aside an average of 400 euros.

The aging of the population has led the Spanish government to seek solutions to address pensions. Therefore, for years, Madrid has been seeking to promote a hybrid model that allows people to begin receiving their pension while extending their working life. In other words, a system that allows people to work and be a pensioner simultaneously. After numerous failures, a new series of regulatory changes will come into effect starting April 1st to encourage these options.

One cold, one hot. That's the conclusion drawn from the first major examination of the pension reform that the Spanish government launched in 2020. This Monday, the Fiscal Authority (AIREF) published the results of the acid test—the agency is mandated to evaluate the measures every three years—and, while Cristina Herrero confirmed compliance with the "spending rule" of the AIREF system, in a press conference. However, the Spanish government sees AIREF's conclusions as an endorsement of all the approved changes. In fact, the Ministry of Social Security speaks of the reform's "success." Why do they have such different opinions?