The legal content disseminator @lawstip, known on TikTok for explaining legal and financial topics in an accessible way, addressed in one of his latest videos a widespread belief among Spanish workers: the myth that collect salary in 14 payments It is better than doing it in 12. According to the expert, this statement has no economic or legal basis, since the total amount received per year is exactly the same in both cases.
The topic arose, says the creator, from a comment that a friend made to him. However, the popularizer dismantles that idea by explaining that the choice between one system and another only affects how money is distributed, not how much you earn. “The annual calculation by law has to be the same,” he clarifies in the video.
To illustrate, @lawstip proposes a simple example: a person with an annual salary of 24,000 euros. If that money is divided into 12 payments, you will receive 2,000 euros per month throughout the year. On the other hand, if it is distributed into 14 payments, the monthly salary drops to 1,700 euros, and in June and December two extra payments of that same amount are added. The final result, in both cases, is still 24,000 euros.
According to the expert, the only thing that changes is the moment in which the worker receives the money. “Getting paid in 14 payments means leaving more money in the company to collect later,” he points out. From a financial management point of view, consider that this option is not the most efficient. If a person knows how to manage their income, having the money sooner would allow them to invest it, instead of waiting for extra payments.
The popularizer explains that, in an ideal scenario, would prefer to receive his entire annual salary at the beginning of the year. That way you could use it more strategically, that is, invest a portion and generate profitability. This is, he says, a matter of capital management rather than personal preference.
@lawstip’s video goes beyond the pay debate. For him, the popularity of the 14-pay model in Spain reflects a low level of financial education in the population. Many workers prefer this distribution because it gives them the feeling of receiving a financial surprise twice a year, even though in reality it is money that already belongs to them. “Money is worth more today than in six months,” he recalls in the content.
The perception of extra pay as an additional benefit is, in the expert’s words, a common mistake. In practice, the worker is only delaying a part of your own salary. From a financial point of view, this postponement reduces the ability to save and the possibility of making the money work sooner.
On his profile, @lawstip also shares tips and tricks related to investment and taxation, always focused on improving people’s relationship with their money. Its objective is for users to understand basic concepts without the need for prior training in economics or law.
