accurate and direct answers will be given, you can ask your question now by calling 8 800 200 40-40 via sms to 04040 or through the websites moskvadefisputinu.ru and moskvadefisputinu.rf. all details are on the websites. results of the year with vladimir putin. december 14 at 12:00 moscow time. this is a psychic podcast in our studio with the hero vadim, who left his hometown, leaving his wife and two children there, but is still looking for the image of his wife. what would you say to your ex-wife now? that's a very difficult question, let's call her?

we can do this now, to be honest, i’m not sure that i’m ready, maybe you know me, i’m getting goosebumps right now, i just wanted okay, okay, well, imagine that they called, let’s have half for now, if you called now, what they would say what her name is, and her name is zukhra, she has a very unusual name, she is of muslim blood, in principle you can call again, but i need time to digest this now, i have you right now , you can’t imagine how many emotions i have right now ... sitting there, i’m really shaking, honestly, sincerely, and i just don’t know what else to say, i need to think about it , it seems to me that here’s another important point, about scenarios, remember, i said, yes, that people usually see only two scenarios, either this way or not at all , yes, they often don’t see the third scenario , which is called, i refuse to make a decision and act, because people, again, most often, either i act this way or that way, but there is a third option, i don’t

act in any way, i give you have the right to stand still, to be in this state, to worry, or not to worry, i don’t want to deal with relationships at all right now, i give myself the right, they will come on their own, thank god, you probably have a plan there, now i have three dates a week, something like that, yeah, no need , well, that is, it’s possible, but try this third scenario, that’s it, i don’t think about relationships at all now, you know what it’s like, love. i haven’t been on a train for a long time, by the way, but i really liked it when i was a student, can you imagine, you sat in a compartment, tea in the cup holder, and just sat there, you don’t do anything, and the picture flashes by, i love this time so much, it ’s exactly what mikhail was talking about just now, for me that’s how i perceived it, when you’re driving, you don’t think about anything, you arrive at half-stations of people, moving with cars, a boy playing with a dog , it started to rain, then the sun, nature changes, you just...' you observe, you just give yourself that

pause, life goes on, and you are on pause in order to comprehend, reload and somehow relax, i you know what i want to tell you, that no matter how your life turns out, you from ukhra are already deeply dear people, because you are connected by your common past, you are connected by your love, passion, most importantly, you are connected by two children, it seems to me that this is such a kinship, but you are not related by blood, but brotherhood through children, it is very deep, and it seems to me that this needs to be respected and appreciated, you are already relatives , nothing will happen in this world that will cancel this common past of yours, which was wonderful and beautiful. friends, we really don’t know what the fate of our hero will be, who, for example, i really love he’s handsome, and i would like that no matter how his life turns out, that in this story, in the end, everyone would be happy, and vadim and his...

ex-wife zukhra, their two children, let everything turn out as it should and well , he will be, but i believe that a significant part of the conflicts arose in the relationship between vadim and zukra, precisely because they tried to always be happy, always and so that everything would always be fine with them, so i just call for an adult position and - yes, he strives for happiness, but does not demand... that it was necessary, moreover , do not tie the word to happiness, to the words i want it so much, yes, that is, as you want, is not necessarily good for you and for those around you, only the future actually shows what the fulfillment of your desires gives you, and an important part of our meetings is still an easy summing up. vadim, if you say in a few words for yourself, what did you take away from our meeting, what was new, what was significant? first point, i'm really

in a hurry about what you're saying, one and a half months here, you already know how many dates i’ve had, that is, i ’m trying too quickly, probably to forget to find some new love, i just decided for myself that if i fall in love, everything will be forgotten there, but it doesn’t work like that it turned out, uh, this is the first moment, very cool, they admitted that it doesn’t work that way, and they changed it and changed their behavior a little then, yes, from that moment they probably changed, let’s say, before this, hello, hello, every day, the second moment, while communicating with you, the thought came to me that i still have sits as if feeling guilty, in a nutshell i’ll tell you what i mean. so i was leaving, i myself made the decision to start a family, well, mutually, which means i probably had to adhere to the family code, now i understand, i have a feeling of guilt, i shouldn’t have done that, i had to comply, very cool , that you said this, and here it is important in one sentence, i will try to help you

work with this feeling of guilt, there is no family code, it is generally accepted for everyone, you know, no. it turned out that you have zukhroi and your ex-wife have different family codes, that’s all, you were not obliged to adhere to her family code, she was not obliged to adhere to yours, but once again, if you had started doing this two years ago, perhaps, perhaps, it’s not a fact, you it would be possible to create a common family koros, that is, it would be good to come to an agreement, we don’t know whether it’s good or not, but there was such a possibility, it still remains, simply. a little bit different, that’s why this feeling of guilt, it’s actually not productive even once, yes, of course, you have it in mind right, as a living person, but it’s better to relieve yourself of this complete responsibility, yes, because the responsibility is still on the zukhri. this was a psychic podcast in which i,

journalist natalya loseveva and candidate of psychological sciences, clinical psychologist mikhail khors, unravel the complex, confusing situations of our heroes. all releases of the project. this is a lab podcast, watch it on the website of the first channel 1tv.ru, to be honest with you, i still can’t understand how i want to return or want to find something new, i went here with the request that i want to find something new, but so again, yes, the third option, don’t ask yourself to make a decision, live in this duality, it’s possible, yeah, you know, she most likely won’t accept me, that is, for me more don’t you know, well , yes, that’s it, stop, excuse me, you don’t know what will happen in the future, it’s unknown, live now, you have a new life, a new city, achieve success, maybe in a year you will come like this in a white mercedes, and even there, let her stay with me a little too with your thoughts, your feelings, well , both of you are hurting now, well, it’s hurting now, may

everything be fine for you, thank you very much, thank you, it was very cool, thank you very much mikhail. this is an easy money podcast, i am its host , mikhail khanov, i think that many of our tv viewers, especially after they started watching our podcasts, our audience dreams of retiring early, and generally thinks about what it is pension, how it is, why it is, why it is, and most importantly, how much it actually is... a movement, it’s called faya, whose followers want to retire very early, but by our standards, this is at 30, 35, 40 years old, and today we are talking with a follower of this movement, a private investor, alexey malakhov, hello, alexey, let’s try to figure it out , how realistic is it

to retire at 30, and most importantly, why and what needs to be done for this, well, let's start with a simple question, what is the financial independence movement? yes, that is, it is financial independence, early access to pension, how it originated, when and what it is, is it a real movement, a party, or is it just a club of interests? well, it’s more of a club of like-minded people, and a movement of people who want to get out of the so-called rat race, that is, we live in a world of victorious capitalism, for people the most important thing is money, our whole life is focused on making money, you get up in the morning, you go to work, come back in the evening, it’s already dark, you don’t see life, you live as if you only live on weekends and people don’t like it, they they believe that they can use the institutions of capitalism for their own benefit, in order to quickly break out of its shackles and become a truly

free person who does what he wants, lives the way he wants, does not depend on the boss, on the work schedule, on the location office and... it is believed that it is there, after you retire early, that your real life will begin, and before that you must earn money, save as much as possible, and do everything for yourself. refuse, there are downright radical supporters of this movement who almost they save 90% of their salary, save on socks there, they probably wear the same socks there a long time ago, it started, it generally started after the global financial crisis in 2007, but it’s somehow formalized, that is, it’s just a certain party followers, is this a manifesto, what is this or is it just , well, what is the essence of this abbreviation, that is , there are some badges, tickets yes... no, these are rather people who read other

investors like them who are there with each other communicate with a friend, here i am, for example, as a supporter movement, he simply said: that’s it, i like these ideas, i will stick to them , no one initiated me, did not accept me into the organization, it all started with one blogger, his name is mr. mani mostesh, abbreviated as mmm, we have a different association with these three letters , the association is with faya, how many followers, alexey? i can’t, well, how many thousands, tens, tens of thousands of people there are, in russia there are fewer, i have difficulty finding any articles by people who write on this topic, that is, there are hundreds, there are probably thousands, but they are just so active , perhaps even dozens, well, as i understand it , in order to retire at 35, it’s too late to think about it at 55, and accordingly, well, for the most part, how old are they, 20, 25? well, those who learn about fier, yes, it

may even be less than 18, there are 16 years old, but i can say that even if a person there is 40-45 years old, this does not mean that he is not interested in these ideas, because it’s not even about the specific number 35, it’s about the fact that you’re not relying on the state, not on chance, on yourself, on your own strengths, well, i understand correctly that it ’s pointless to talk about what profession these people belong to, because this is a dialogue, this is a way of life, right? well , in fact, most of these people are it specialists, because it specialists earn a lot, do not spend much, so they accumulate a lot of surplus, but in fact , any person can adhere to this ideology, how much should they save together? it is believed that in order for you, so that you can say that i adhere to

faire there, you must save at least half of your salary, and preferably even more, the most zealous palaguettes put aside 90%, some boast that i didn’t spend anything there this month, i invested everything, but it seems to me, how can i eat, no, prana, air, the sun, that well, people are hunting for all sorts of things discounts , cashbacks, someone even collects expired products from garbage dumps in order to... make money from this, now with this phrase you will push away all potential followers, from monitor screens, televisions, from i don’t know, radios, this, these are just the most radical people, i don’t do that kind of thing, because at one time i went through such radical savings, i had years when i saved 90% there, but to tell the truth, i went crazy, and how old are you, i’m 29 now, almost soon i’ll be 30, how did you live all these years, tell me, where? where is the motivation

to save, i’m not talking about 100% now, yes, at least 50, because at a young age people consume, that is, they take out loans, as i understand it, a loan is out of the question, yes , well, that is , how to cope then, when you are young, when you want to live, how to pacify young flesh, but in the end this? yes , it’s going to go there, well, at least to a disco, i ’m not talking about restaurants, theaters, although theaters too, yes, i agree with you about the fact that when you’re young you want to consume, but fortunately for me this cravings bypassed me, i grew up in a family that went through the nineties relatively hard, and i saw how hard it was for both my dad and mom to get money, in fact... i could say that psychological trauma saved me from consumption, that when i was there turned 18 years old, i went to work at the cash register

in a fast food, i received about 100 rubles per hour, and when you look at some kind of burger in the same fast food, it costs as much as an hour and a half of your work, and a glass of cola costs as much as an hour, you think, what do i spend my life on, what do i spend my time on, and then i wanted to save up quickly, because the more money you have, the more money you... get, for example, if you have 100,000 and you put it in a deposit , you will receive 10,000 there in a year, and if you have 10 million, then you will already receive million, it’s in your... interests to earn this 10 million or at least a million as early as possible , in order to receive as much as possible, so that the money is capitalized, so that compound interest works, so i thought, maybe i’m denying myself a little now, but but when i turn 35 years old, i’ll kind of live with dignity, than now i’ll spend money on all sorts of nonsense and i’ll

live like this for the rest of my life, i went and bought something for myself, i bought it, in the future with... i’ll live until my payday or no, you don't know that for me, here you go jack london has such a story when the gods laugh, when the couple looked inspired all the time, in love with each other, they even denied themselves kisses and everyone around wondered how it was possible, no one knew this secret, that is, they have been together for so long, they are up to date, they enjoy each other, they look at each other like lovers, as if they met for the first time, so the moral of this story is that in some way... the gods really saw that this was unfair, well, actually have made their verdict, yes people how one day they woke up and realized that they didn’t want each other, they didn’t want not only to love each other, but even to kiss, they didn’t want to, they did, they never kissed, aren’t you afraid that at 35 years old , when you reach, we will now come to this, yes , the level of financial well-being that you so strive for, you think, and as

you know, as in that joke about a man who gave up leading a riotous lifestyle... life for the sake of what when he was told that there would be no one to give him a glass of water in his old age and here he is dying on his deathbed , there are children and this, and he has given up all his sprees, casinos, i don’t know, discos, entertainment, a woman, here the grandchildren are standing there, he is lying on his deathbed, he says, but he can’t drink want to, are you not afraid that you won’t be thirsty, you know, this is a good question, when i just started there the first 5 years before i turned 25 there, i believed that i would turn 30 there. early retirement, i'll live right away, everything will be great, but a couple of years ago a tragic story happened, i my best friend and peer died, and i suddenly didn’t realize that i, too, could die at any moment, or something, in general people seem to be mortal, and i began to realize that damn, suddenly i really wouldn’t live there pensions and

god forbid, or something happens to me, and this has greatly changed my habits, if 80-90% had opened there before. i realized that no, i still need to find some kind of balance between life now and life for the sake of some kind of pension, and i chose a strategy a little here’s how to adjust what i’m saving for investment accounts and stopped blaming myself for the money i spend; at some point i was really ashamed that i could afford some kind of video game or i could afford a ticket to a concert. and especially some kind of travel, damn it, you went somewhere, hung out for a week, arrived, forgot, you have nothing left, just some memories that will be forgotten, and you spent the money, so i was very ashamed of the money spend on travel, well, you know, i ’ll tell you, maybe you’ll listen to my experience, i’m 55 years old, so i can say that travel and emotions during travel are

generally the best thing in a person’s life, even better if they are received - together with a loved one, and in fact, looking back, nothing , besides these emotions, there are none in life, yes, pleasure from money, it does not come on its own, simply by the fact of their presence, yes, because otherwise films with the famous cliched titles would not be made, the rich also cry, yes all that our life is is emotions, these are emotions, this new impressions, so i can tell you that the more emotions you get, and the more you remember, it is advisable not to do it alone, so that you don’t flip through it in your memory later, talk to someone, listen, do you remember how great it was, do you remember how they smelled , uh, i don’t know, fir, but at least in the same crimea, in the summer, when we sat in the evening and looked at the sunset, yes, but you don’t remember, but you remember how wonderful the dosherak smelled when we diluted it with boiling water, rejoicing at the next thousand, the required investment account,

okay, let's talk about specifics, okay, so you save 50% of money , let's say... wages, yes, i will no longer talk about the fact that you need to earn more and not spend less, yes, this is fundamentally different for us approach, here, okay , where, now, of course, there aren’t very many options, if we had met just a month ago, i might have told you there that i buy russian shares, chinese shares, american shares there, but just recently imposed sanctions on the st. petersburg stock exchange, my assets, infrastructure assets were realized. and there are not many options left, that is , either russian shares there, or bonds , or even buy there, that is, that same brick on the head, yes, as i apologize, with your friend, it fell, that is, everything that acquired through back-breaking labor, it was frozen and now it will somehow be taken out, well, not everything, actually, because i still diversified my portfolio, so far

about 25% of assets are frozen, but i don’t despair, because i am now in the accumulation stage, on the contrary, i am interested in periods, when everything is falling, when everything is unstable in the world, why, because when everything is cheap, i can buy it for the same thousand rubles... returning to the strategic goals, what deadline have you set for yourself or is it in fact how it will turn out this way or what? -that’s the goal, that is, at what age do you want to stop working? i would like to stop directly actively working at 35 and continue to engage in some more creative activity, and not be obliged to do something to someone, at 35, how many do you plan to live? would you like it ideally? that is in fact, the money should be enough for 65 years of life, i won’t have all this money in 5

years at the time of my thirties, i plan that for some time i will continue to earn money on some of my own projects, after all, in the end after all, uh, this is it - retire early, this does not mean that you hang your paws and just withdraw money from your account, so i don’t even understand what to live for. you know how this goes back to the joke, doctor, if i don’t drink, smoke and communicate with women, i will live, i told the doctor, you will, but why, i have the same approach, that is , by the way, the next question is, yes, aren’t you afraid that at the age of 35 you will achieve your goal, that ’s it, apathy will turn on, but no, i’m not afraid, in fact, this is the main one the argument of opponents who say, well, how can it be, you are so young, you are 35 years old and you will retire, but for me. for me and the supporters of this movement, retirement is precisely an opportunity to do what i want,

you accept malingerers, and you are a malingerer, i feel good, they didn’t give me anything, well , they would have given me clients, i fought for 6 hours, katyusha, do you think the heroic surgeon deserves a cup of coffee, he has a new nurse there for surgery, so he won’t miss his chance, his mood is zero, hello, strong alcohol, i’ve been through... a lot of nurses have passed through, but i noticed what you also noticed in medicine, tough competition , get used to it, i brought a lot of women here, in batches, you like me, and you like me too, i don’t want to see you next to him anymore , i don’t like contact with your lovers, i mean, i asked you which one -that man, what did he look like, why did you yell at me, ask... the nurse, tomorrow is the first one, why are you acting like a stupid nurse, i am acting in accordance with

my position, yes, what happened yesterday, where did you go, everything that i have in life, everything , what is the joy of every day, everything that i call my destiny. i love my country premieres on saturday on the first. you can’t love your homeland and not know the culture, geography, history, it’s impossible, hello everyone, my name is nastya zadorzhnaya, and i love dogs very much, i decided to change my life instead of my profession. what we had without dogs

and what has become now are two different lives, since i have a dog, i feel more strongly that i am a person, this is a wonderful dog, which has already saved two human lives, this is not just a pet, this is that creature, dogs love us, dogs change us, dogs teach us, dogs save us, dogs are a whole world, a world in which there is one important rule, to always be close, premiere, to be close on december 10, on the first. you are watching the easy money podcast on the first, today we are talking about how to save money money, retire at 35, you

have a diary: or i don’t know a file where it is written day by day what you will do at 35, when the first year begins, i’m completely serious, because if this is not there, that’s all words and nothing will happen, only if you have a clear picture of how you will live this year, by the way, this is life hack advice for our audience too, if you set yourself some kind of goal, then the goal should be as drawn, detailed, and written as possible then it will come true, because if it’s just, well, i’d like to go somewhere go where? well, to the maldives, yes, there will be no maldives, no trips, nothing, so you painted yourself the first year of life after the fire, i didn’t paint it straight out, but i have it, okay, there are some large strokes there , yes, yes , large strokes , i’m already slowly preparing for a big trip, i have a dream that i’ll buy myself a motor home there with part of the money i earn and the trip costs, it’s literally a couple of million, i’m not going big, dear

no, well specifically, this should be written down. i’m looking, i’m buying, this is how it works, a house , it costs 2.2 million, i take my wife and we go on a trip together, first across russia, i have a dream to travel through russia from kaliningrad to vladivostok, see all the cities, and on the way, to live there in different places, force majeure, a child is born before 35, or force majeure cannot be ruled out, well, i don’t plan yet, my wife doesn’t plan either, we somehow came together in business, as by the way, she relevant to this process? she, uh, says that in our world, it’s difficult to predict anything, even what will happen in a year, and i’m aiming for an early retirement, so she doesn’t save money for me, i kind of save it for the two of us, so to speak, uh, but she provides the current everyday life, for example, i wouldn’t

spend money on travel. and she says: i want to go to egypt there to look at the ancient tombs , what if something happens there tomorrow, they won’t let us into egypt anymore, but tomorrow we’ll go, but this is all my wife’s idea, as if i have slightly different planning horizons, maybe it's for the better when you find such a life partner, you think long-term , short-term partner, you palanti each other , she is my colleague, she is also an editor, she writes, edits articles, great, who earns more, you or she, i earn more, so, do you have a marriage contract, but no, she is not afraid of the fact, let ’s say you live another 5 years, at some point she will say, you know, listen, i met that person, i was struck by sudden love, it turns out that she endured all this, and the money these, that is, in this way she will at least understand that 50% of the accumulated money there will apply to her, or not, but she says that if

anything she has parents. she has a share in the apartment there, she will somehow live without me , she is so completely independent, that is, the apartment was bought jointly, now we live in the apartment that i got from my mother, she also has her own real estate, in this in terms of our luck, thanks to our parents, again, i understand that for many russians who may have wanted adhere to this fire movement , their first task is to get rid of the loans there , then buy themselves an apartment, this, by the way , is also an important idea, for many, for some reason there is such an ideal, to buy an apartment there in moscow or in some other large city, and people pour a huge amount of money , just into the concrete, which stands and sucks up this money instead of putting this money in the account, which i think, while i live in moscow, but before that we lived in the moscow region and in what area it's no secret if i say in khomovniki, you’ll probably think that i

’m so greedy, cool people live there in khomovniki , but we have an apartment in a simple nine-story building, like my mother’s, not exactly the area, yes, in the soviet union they gave out apartments, it was enough, so again, thanks to the parents, but that is, you live with your mother, no, your mother moved, we then bought her a separate apartment, so we live in a two-room apartment, my mother is in a one-room apartment, listen , well, this is great, you were able to earn enough money to buy an apartment for your mother, or is it jointly with your mother ? . with mom, i understand, great, that is, now, as i understand it, you are renting it out, we are renting out an apartment in khamovniki, we want to use this money to live in different cities, also travel, look, well, that is, it turns out that you are not, not a firm follower of fire, that is, you you allow yourself excesses, because in theory, the money received from income from renting out an apartment is money, that is, it’s just total income, what difference does it make whether it’s a salary or not, in theory, they should also be taken 50%,

and put into i agree with you, i just try to balance between save for early retirement and so as not to go crazy, because you are absolutely right, human psychology is such that when he doesn’t... for what, our brain is not used to living in the future, it is used to living now when you refuse yourself, you tear something off and put it somewhere, it’s quite complicated, i’ll tell you how it works, we each have a little me inside, and there, relatively speaking, you have a little alexey, and there i have a little misha, yes, which, this is the very same resource, your internal one, which manages your resources, your life, that is, at some point you came to him, he said, listen, let’s be patient, now we are developing a business there. yes, or we are working there now, we need money, there, i need strength, you are asking him for strength, you are getting strength, but in return you have to give something, yes, that is, he is, this is a child, he doesn’t understand there are some percentages, fire, something else, here, now i want a car there, a toy there, i don’t know, in

the sand on the beach, i want to swim, so if you if you don’t give it back to him, then the next time you come for resources, he says, listen, dude, i’m sorry, please, right now. he will say, go, you know where , and you are left without a life resource, your eyes actually go out and you don’t understand why, and most importantly, where to get strength, this happened to me, just like that, i’m from this too after death a friend was undergoing treatment, so i now understand that yes, i need to save, i need to put aside half, eh, as it were, but for myself i limited that there is a salary, from it i save half of it, but there is some income that, well, it wasn’t me who earned the apartment, but my mother, that’s why? mom is now just retired and she essentially also lives from this money, so okay, where, let’s go back

to the question of where, how we can earn money, well , at least for five, so you plan for how many years of life you will have, when you get out at 35, that's when you're free to float with money that works. capital, well, i would like to live up to 100 years, no, well, you and i have already come to the conclusion that it’s good, you spend, let’s say, well there, let's say, let's say you now spend what 100,000 per month, 15,000 per month, you need 200, well, let's round to the nearest million, so by the age of 35 you should have 65 million, am i right? not really, because i ’m going to receive some more money after 35 years. 45, rather, 45, 45 million is also possible, that is, you plan to save 45 million in 5 years, including investments, and provided that i sell the apartment that i am currently renting out, i will invest it in more profitable

instruments, it's quite possible how much is the apartment worth it? and somewhere around 202, no, 22 million, that is, half, this is good, but we are not now taking on the risks of inflation, that apartments and real estate will depreciate in value. and so on, as was the case in japan in the seventies, you know this example, when it seemed like an island, yes, well, what could happen with real estate, yes, on an island, larger in one of the largest economies in the world, so this is real estate fell in price there by up to 40%, this can also happen, but you don’t include it, it’s in your formula, in your business model, i have it there is always the option to continue working, that is , if the worst happens, but what can i do, i will continue to live, but what about the goal of my whole life, that is, it turns out, well, can’t you imagine some kind of blow? moral , emotional, that is, you live, you have already lived to see this day, especially since you have this plan written out with the purchase of a car trailer, i don’t know, at home, yes, suddenly something happens, or there in the thirty-fourth year, you understand , that this is another plus 5 years, where is

that inner alexei, lyosha, with these strengths, yes, when you will come to him, he will say, sorry, dude, yes , you lived there for 5 years, it’s unclear how anyone, yes, i almost died here, and goodbye, but it’s a good question, but i’m close to the founder of this movement, just mr. mani mostesh, he said, people focus too much on why it won't work, instead of focusing on what to do to make it work. is svetlogorsk a resort for retirees? oh, these are not just pensioners, these are those who came here at 20 and still don’t want to leave. oleg, the land is really beautiful from above. why don't you ask me? music festival. voicing kivin, saturday on the first. i’ll tell you a secret, when the season ends, this city is put into a box, kalingrad is put away under a hill. this place looks like a fairyland, the rivers are hot, the landscape resembles

another planet, there is one bear for every three local residents. i’m on iturup, friends, the largest island of the kuril chain. kuril style eggs, take a little and... i noticed that absolutely everything tourists feed it, it’s very bad, it stops hunting, they don’t see any other food. here she is a beauty, you can smell the smell, well, crush the little bottle, the aroma will be all over ivanovskaya, how much vitamin c is there in it? more than in oranges, finally what we had been waiting for so long happened, we saw a live bear, smoking in all its glory, the life of our own, the premiere, next sunday on the first, here is his real passport, in his name arnold, according to with this passport he went to great britain. an operative of the highest class, he was attracted to

cooperation with soviet foreign intelligence a number of selfless assistants, sources of invaluable secret information. kemfilbi recommended donald maclean as a friend whom he knew shared communist ideology. 17 or 20 agents is a remarkable achievement, but the most important thing is the cambridge five. allen dalis assesses that the cambridge five are the most effective, most powerful group of intelligence officers of the second world war. recruitment is the intelligence officer's sharpest weapon, but it it is both sharp and can be cut on any person. dach walked on the edge in england, it was clear that in general they were following the tracks. during those 4 years in london, he had already done his job, he sowed the seeds of this field. which arose already in the forties, the premiere of the names of illegal

intelligence arnold, next sunday on the first, you are watching the podcast easy money on the first, today we are talking about how to save money and retire at 35 years old. so what are you doing now, specifically, you will get there, i don’t know, half. 50-70,000 of your income, or 100,000, where do you put it? i’ll put it in liquidity funds, which now give about 14% per annum, we still have a high rate, let’s explain to our audience that, in principle, if you are not such an advanced investor as alexey, then a replacement for the liquidity funds mentioned may well become a federal loan bond, which now gives an excellent yield of fourteenth, that is, 14% per annum, and i think... that if the central bank with 15% is possible another

tightening of monetary policy, the rate will be raised further, perhaps the figure for this yield will reach 15, well, in principle, banks now give a similar yield, so that is , you put pounds, precisely with the expectation that monetary policy will tighten, liquidity funds will instantly react and i don’t i’ll lose some money on these or bonds, and when i understand that the cycle of ending interest rates will end, i ’ll be able to fix this... term, there’s an ofz, which is there for 10-15 years, and that’s just it, but why not just buy ofz, but why a fund? necessary, because there is a risk that policy tightening will continue and i will burn out on tv bonds, now it seems to me that this is not the best time to buy long-term bonds, we need to wait, wait for signals from the central bank that it seems that we have all passed the peak of inflation, everything is actually from liquidity funds into distant bonds, and in fact

, this may already be enough to relax this and there is a strategy of constantly buying more, and well, i also balance it all with shares, that is, in a portfolio, a share is a risky asset, you understand that it is not fixed yes, but shares during the period of capital accumulation are a good option because it is a risk, but since i have a safety margin of 5-10 years. at this horizon, i believe that stocks are an excellent option, because on average , in the history of stocks over 10 years, they give positive returns, do you take dividend histories or look exclusively at stocks, or are dividends also taken into account? in fact, i am not a supporter of dividends during the period of capital accumulation, because you have to pay taxes on dividends, and this is a loss, and why should i care? to lose something, if during the accumulation period i reinvest it back, then it’s easier for me to buy a bond fund, which... doesn’t pay taxes and also has some kind of return

, an excellent approach, let’s go back to stocks, that is, stocks, that’s just one , two, three, how diversified is your portfolio in stocks, stocks, this is now about a third of my portfolio, it used to be more, but i had to reduce the share, i sold, despite the fact that i am a qualified investor and i have the right to trade, how long ago, by the way, well, somewhere already... probably a year, otherwise you passed the exam or, in fact, having 6 million in the account, i received the fact of turnover, so i used to actively invest in american stocks, but after... after the twenty-second year, partly for ideological reasons, partly due to infrastructure risks, i decided that it’s better to get rid of them and , fortunately, i did the right thing, because literally a week or two ago they banned russians from trading these shares at all, instead i started buying chinese shares, unfortunately they were frozen, but i

plan to continue them after unfreezing buy in addition, because chinese shares are now generally at a historical low, especially chinese ones, taking into account the signals that if capitalism wins in china, not capitalism, well, even so i would say state capitalism, or rather, let’s say, state capitalism will win completely, and i will say that you you know, we prohibit everyone, non-chinese , from buying shares, everyone who has already bought, we forgive everyone, anything can happen, in the end, the people who held shares in the russian empire in 177 also lost everything, again now foreign investors are either left the russian market or are limited , thank you very much, i can... buy russian shares cheaply and in 5-10 years, when the world changes a little, i believe that russia will play a more serious geopolitical role, our shares will grow, i believe as if in this future, if it doesn’t happen, i can always sell the apartment and live on it, or go to work well, you know, such

a pumped-up follower of the fire movement, yes, that is, you always have an apartment, there is also an apartment your wife, okay, you are in your life. plan, you allow the birth of children within these 5 years, and i also assume that probably when the situation in the world becomes calmer, if this ever happens, then it will be the right time, that is, children are born according to the plan, well, it seems to me that the supporters are yes , they plan, well , love, it seems to be present, but when both love and the economic situation coincide, then you can already think about children. well, that is, you don’t consider the option that your wife, yes, in some kind of, what’s her name? olga, olga, olga comes to you, and says: “lyosha, you know, i thought that i want a child, i want him right now, and i don’t care about all your fires, not fires, i want children, you’ll agree to this, but i

think so, you will run to make adjustments to the planform, and send you expenses, i, as a father of four children, i can tell you, money is not the goal itself, the goal is to be a happy person who can afford to live the way he does wants, if we want to live with a child, then okay, we’ll have to earn more, like you said, not only spend less, well, i believe that this is the right approach, in fact the goal is, uh, here i naturally look at this with a little sarcasm at this whole situation, well , you probably understood from the questions and all my life experience says, on the contrary, in fact, i really like the kind of discussion we had, our audience will be able to choose for themselves which plan, which action is closer to them, well, can i then ask a question, don’t you essentially adhere to the same ideas ideologies, only you just you probably don’t hang your money, but you created

your own business, you also invested, saved, saved, it’s unlikely that you spent more than 50% of your income, when your income is already at such a level that you can relax there and enjoy life, then probably 80-90% of the money is easily spent there , you invest it all and live, including on dividends, and i’ll tell you a terrible thing now, in 2000 at the very beginning of 2000, i, before my wife is very wise and perspicacious, i i don’t know how she did it, she foresaw this growth real estate exploded in 2003-4 and i even took out loans. we took out loans, uh , well, naturally, we tried to minimize this by borrowing from friends, almost interest-free, in order to buy apartments, in the future, a loan is an integral part of the life of any successful person, even guests were sitting here and it was absolutely wonderful. ..