it immediately starts chattering in the air like this, there were stories when the costumes became really unhappy and ruined the whole performance of the french figure skater, gabriela papadakis, yes, i remember that the last name was unlucky, her dress began to fall off during the performance, her it came unhooked, and it turned out very strange, in short, she had a clasp on her neck, yeah, there was one, and we always make hooks, that is, the loop turns out to be a hook, and the bottom one. in the other direction, that is, not in any direction at all, she had six of them hooks, that is, back and forth, back here, back here, they somehow came undone at the olympics, i was very worried, but these are exactly the same guys who competed at the next olympics 4 years later entirely in bordovoye , skated the program and won the olympic games, they realized that it was better to have a laconic suit with nothing... but by the way, fabrics are of great

importance, because there is also a specificity that the suit should be comfortable, a very popular material in figure skating - this is beflex, matte, glossy, no matter, no, y me, it doesn’t stretch or whatever, it stretches, it’s dense, it restricts movement very much, that is, i need a mesh so that the skin can breathe, so that it stretches comfortably and... which is not felt at all not during rotation during jumps , it is still developing beautifully, this is how to add lightness , there is a point that some colors are prohibited, no, there is no such thing, so as not to blend in with the ice, for example, no, no, they skate in white dresses, why it can be very beautiful, if you play there, i heard that the shade of the dress is somehow white, if it’s very strict they pick up, there is no such thing, no, there is no such thing, there is no such thing, well, of course, it’s not super welcome. naked, that is, if

you put on a beige mesh and cover it with stones and stones, well, it will be strange for someone, there were such people, no? well, they were, this was then discussed very much and somehow, you also said such a phrase that modest suits are not welcome, and what else is not welcomed by the judges? it is forbidden by our rules to have detachable elements, that is, for example, if we want to film there... we are not allowed to do this, why? because it's theatrical element, if we want to ride with a hat , we can’t wear hats, that is, i’m small , when i was, i rode charlie chaplin, i was very small, i was 10-11 years old, i had such a hat on a clip, i’m leaving the performance , but in my box office results it’s marked minus one point, because you

forgot to put on a mustache, no, that’s because i had a hat on my head, all sorts of little tiaras, maybe some kind of shiny hairpin, maybe that , well , if you fill it with varnish and sew it with threads to head, but if if it is voluminous, that is, if it is read that this is a hat, but it is not, and what the audience loves, the audience loves just that, it seems to me that the audience loves showiness, of course, but the idea with charlie chaplin is amazing , well, you can’t, you can’t wear a hat, i didn’t tell you that in japan they remembered it and loved it, now they associate it only with sailorma, but you love anime, right? it was a demonstration performance, like in performances you can do anything at all , well, look, i did it, the whole audience remembered it, you know that your my friend zhenya loves anime, you decided to introduce a little anime today, how do you

feel about the comfort of clothes? but i adore it, i really love the scara, which sits in shorts, now i ’ll come to this moment, i adore comfort, and most of my life was spent in sweatpants, jeans, some oversized sneakers, just so that i wouldn’t no one could see it and... and it was warm, cozy, as you know, under the blanket, but now i realized that i still need to get out of my comfort zone a little, firstly, i’m a girl, and first of all i need to it’s my turn to remind myself of this, so i started wearing skirts more often, i don’t know , corsets, well, that is, i want to be feminine , but as i get older, feminine is necessarily uncomfortable, but femininity can be comfortable, it seems to me that history has developed that feminine equals uncomfortable. yes, this

is because corsets used to make women fall into frills, but now corsets are so comfortable, they are so stretchy and yes, it actually stretches for me. it fits my figure, i can eat it, everything is great, well that’s it, we’re calm now, but it seems to me that sport chic just came into our lives, because people wanted some kind of convenience, and what’s very cool is that sportswear now fits very organically into a feminine wardrobe, just like you and this sports chic style is how things are, how often do you use elements in your wardrobe , how comfortable is it for you, let’s take a hoodie, it’s a universal thing, i don’t know , no matter who you look at now, everyone always wears a hoodie, but this is a sport, these are sporty things from the beginning , and how do hoodies go well with skirts , uh-huh, now, now it’s generally chic, they are somehow still tucked back and forth, back,

knitted leg warmers too, so i also wanted to say about leg warmers, that you want a leg warmer skirt, some kind of shoes platform and sneakers in general , i love them. sneakers, hoodies, you love sportswear, i love just that, right now my love is just cashmere suits, cashmere is a terribly capricious material, a terribly capricious fabric, but i bought so many things, that is, i’m so i get high in cashmere and then here i am i take off my cashmere sweater, it’s all in pellets, and i take a special brush, in the evenings, how she loves this one, i love you, well, you’re like a pet, you just described him like that, you’re talking to him, zhen, you’re talking about your dogs i didn’t forget with him, no , i didn’t forget, i feel them too, it’s the same , how many dogs do you have, this is a brush, what

breed, i have french bulldogs, and why scratch a french bulldog, you can find it on the sofa in general, everything is perfectly visible, what can you comb out, like yours? with sneakers, the most comfortable shoes , well, sneakers and sneakers, sneakers are not so comfortable, plus, sneakers are cold in winter, in sneakers yes, but if you wear three pairs of wool socks, you don’t notice, but now there are winter sneakers, upstairs, yes, that’s all now this is completely in order, well, after all, now everyone has switched to ugi, ugi are not sports, they are just sports, because they came to us from because the water in the ocean is cold , when they come out of the water they are always cool they put on ugs, so initially those ugs that had just appeared and reached of our russian winter, everyone broke their legs in them,

because their soles were not suitable for ice and snow, they were designed for only walking in the sand, now they naturally make such soles, i have cashmere suits and all kinds of uggs on a very high sole with elastic bands on the heel, they are all so fluffy, very warm, very comfortable, tell me how to combine sporty chic and femininity, with jewelry, accessories, of course, and what to wear uggs with, you can wear uggs with a short skirt, high leggings are possible, you can have low knitted ones, it’s cool to have such long leggings that are straight, you can pull them on so that it’s warm, and then

roll them up like this, they’re so very cool, the leggings saved me recently, i was wearing jeans, high boots in leggings, well i did this just for the beauty of the top, i was so cold they were just... everything, in general, complete comfort, this is not lykomshita, sports, blogging, cinema and of course, fashion, we are discussing all this today with evgenia medvedeva and your morusey, how do you generally select things for events, for going out, zhenya said that she used the services of a stylist at the premiere, is this always the case? i ... lately i have a lot of filming, for which i always have some kind of specifications for clothes , no, for filming, of course, but for myself, for life, no, for myself i have quite a bit, but a small capsule of my things that i wear,

and i try to wear those things that i take, i put them on, and i love them , that is, i like it, i feel comfortable, i feel right, now there will be a story about cashmere, and how. .. well, there’s something like that, that is, for me, a thing should evoke some kind of emotion that i look at, i hold it and i just like it, i just can’t, and every thing i have should be like that, that is, i can’t... i can’t afford it, well, purely humanly speaking, i will feel sorry for myself if my wardrobe is filled with all sorts of different things for filming that do not bring me any emotions, these are the emotions, by the way, these are the things that we saw in the film medvedev vs. medvedeva, what kind of things do they evoke such vivid emotions in you? well, the suits i'm wearing i performed, of course, but there are some special ones, well, special ones, i really like the dress. my olympic short program , i have the milky way lined with stones right on my suit, it’s very beautiful, remember,

there are such jumpers, there are a lot of stones sparkling in color, and it glitters beautifully, if it glitters, it means it’s beautiful, together with the designers, starting from the program, we came up with this outfit, and then i did n’t really care what to skate in, it was the trainer and the designer who came up with it, and i put it on, went for a ride, and by the way, what happens when creating a costume, is the number first thought up or selected? a suit, and it happens that you have to redo something, oh yes , for example, the bride doesn’t like her dress for the wedding, she will wear it, or she will remake it, of course, she will remake it, and there you go to the world cup, when you go out, you don’t know whether you will get to another world championship or not, brides have a lot of signs, by the way, do figure skaters have signs? no, but for others, someone goes on the ice only with his right foot, it concerns the distance, like communication with lyoshka yagudin with us

kisses, well, after he won the olympics, marus, tell me how you put together your wardrobe, do you use the services of a stylist, no, i’ll repeat, i get ready myself, although before i often used the services of a stylist, because i didn’t fully understand, what and how, but i was always dissatisfied , i didn’t understand what the problem was, but i was dissatisfied, they brought me a bunch of things, i tried everything on, measured it, measured it, i realized that i didn’t like it, something was missing here , something is missing here, and then i just got disappointed and started going through my wardrobe, i realized that i have a lot of clothes that i bought, wore once , i never touched them again, i realized that i can improve them, make them the way i want, i often sit on some sites, i am inspired by the same fashion houses, and i just

adapt it all to myself, or it happens that i see some thing, i like it very much, but as if i could make it myself, rather than give a very large amount of money, i ordered myself a table, a chair , everything is standing at home, everything is littered like that, i just come, the sewing room there is a machine, almost, here it is. head and thread , no, well, of course, wait, but this is how many fashion houses began, you have something like that in your plans, in general you do, but for the distant future, i’m not sure of this yet, i’m only on the way , uh, first of all, i want to completely understand myself, specifically, what i want and how i want it, for now i’m just doing everything for myself, but i give jewelry to the guys, i saw, by the way, i watched how you make jewelry and that you also have handbags that you make. the same story i saw the bag, i really wanted it, i realized

that the price was not justified, i ordered less than the cost of this bag, the material, and i did it all myself, and i do it until i get it perfect, but this is a very cool hobby, because firstly, it ’s psychotherapeutic, yeah, secondly, it can become commercial, that’s true, that ’s true, thirdly, despite any difficulties, you can always do it yourself... some exclusive things that no one else has it won’t, yes, i decorated my jacket for katya adushkina’s performance, it was necessary there i should be in white, i had a white dress , but i didn’t feel completely comfortable, i had a jacket, but it was black and i made little bows under it all over the jacket, glued them on, quickly, effectively and efficiently, you’re okay if you don’t make food with your own hands, i make dishes out of clay and eat them afterwards. from it, and you sculpt from clay, well , that means you are doing something with your own hands,

i have a muffle oven at home for baking clay, hello, mash, come, i see your friend doesn’t know what you have such a hobby she has just appeared, not a friend, so you have already made a vase, three cups, four plates, two spoons, so this is a whole set, yes girls, you already have a whole one. the store can be opened, jewelry, bags, dishes, a very interesting feature of zhenya is that a figure skater who is allergic to artificial ice, to artificial ice, a person skates and immediately drips, because it is chemical, there is a chemical reaction of evaporation, yes, that’s gas , which evaporates, it can cause allergies, in most cases all skaters have this allergy and that’s why we are always with, and this is harmful to health, but no, well, i’m sitting here alive,

that’s what the trainers tell you, it’s not nonsense, it’s normal, zhenya, tell us, probably the majority of the audience, the film that hasn’t been released yet you saw it, tell me what the viewer will see in this film, the viewer will see my sports journey, from childhood, the most interesting thing is that there are a lot of shots of me very small, we found a huge film camera, we found, wow, such a healthy one, it was still broken, they repaired it, then they digitized it, and many... who were included in the film, i myself saw it for the first time in my life, my grandmother is holding a very small, still non-ambulatory woman in her arms, i haven’t seen this, but your first steps on the ice are also there, no, this doesn’t exist, probably, if your mother had raised if she were an olympic champion, for example, or a five-time world champion,

a six-time european champion, then she would probably be filming my first steps, but being a figure skater is not enough for me. there was, she just put me on the ice, go, go, i was 2 years old, these are the skates, these are the ones, that is, you were accompanied by a film crew , yes, i was accompanied by a film crew of several people, very tactical guys, i am very grateful that it did not turn into a reality show, that requests were taken into account, there, well, i am a sensitive person, very ... and it’s important for me that they don’t film me from around the corner in a fit of hysterics, well , i would simply take it personally and i would feel bad, well, that is, they didn’t violate the boundaries, despite the fact that followed you, probably, probably, the audience would have liked it’s interesting to see the whole range of my emotions, it’s in any case, yes, but still, as

a more introverted person, there are things that should be on the screen, and there are things that should remain behind the screen, well, tell me what else will be exclusive, the viewer has never seen me in comparison with himself, that is , the viewer knows zhenya medvedeva, who , well, made a video, shot an advertisement, won something, and that is, the viewer sees, sees, sees, sees zhenya medvedeva, but the viewer does not see the person’s height. in the movie it's very clearly noticeable and i even noted that it’s noticeable how differently i began to speak, that is, how much my diction has changed over time, how i spoke in sports like this, it’s generally unclear what i’m saying, i’m in media , my voice has developed differently, how much more open and calm i have become over time,

zhen, i congratulate you on the premiere, thank you very much, i am sure that this film will be... but to all the viewers, because who else but you can you tell us about how to develop your character, how to train, how to prepare yourself for difficult situations and how to always make the right choice and not stop at the most, well, it would seem fantastic achievements, thank you for your friendship, god, you brought life together, thank you. thank you, thank you, i think we have fully motivated you today to play sports and improve your style. watch ne lykomshity and the lab podcast, all episodes on the first website.

this is an easy money podcast, i am its host, mikhail khanov. uh, i think that many of our tv viewers, especially after we started watch our podcasts, our audience dreams of retiring early, and generally thinks about what a pension is, how it is, what it is for, why it is, and most importantly, how much it is. in fact, there is a whole movement, it’s called faya , whose followers want to retire very early, yes, by our standards, this is at 30, 35, 40 years old, and today we are talking with... we’ll try to figure out how realistic this is 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 fie, yes the financial independence, retirement early movement, yes, that is, it is financial independence, early retirement, how

did it originate, when and what is it anyway, is this a real movement, a party or is it just a club with 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, it is geared towards making money, you get up in the morning, go to work, come back in the evening, already it’s dark, you don’t see life, you live as if only on weekends, and people don’t like it , they think 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 of the office, it is believed that it is there, after you retire early, that your real

life will begin, and before that you must , earn as much as possible, save as much as possible, throughout yourself refuse, there are outright radical supporters of this movement who save almost 90% of their salary, save on socks, in the same socks, but how long ago did this start? this generally began after the global financial crisis in 2007, but it is somehow formalized, that is , this is just a certain party of followers, this is a manifesto, this is what, or this is just where the essence of this abbreviation comes from, that is, there are some... then badges, tickets, yes a participant, an active participant, a senior participant, yes no, these are rather people who read other such as for the investors who communicate with each other there, i, for example, as a supporter of the movement, simply said: that’s it, i like these ideas, i will stick to them, no one initiated me, no one accepted me into the organization, it all started with one blogger, his name

is mr. money mostesh, abbreviated mmm, we have another negative one with these three letters, but in america the association is precisely with faai, how many followers, alexey? i can’t, well, how many thousands, tens, tens, tens of thousands of people there are, in russia there are fewer. i'm with i have a hard time finding any articles by people who write on this topic, that is, there are hundreds , probably thousands, but there are probably even dozens of them who are active, but as i understand it , in order to retire at 35 , then it’s too late to think about it at 55, and accordingly people, well, for the most part, this is how old they are, 20, 25, well, those who find out the professional, yes, it may even be less than 18, there are 16 years old, but i ... 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 here the point is not even in the specific number 35,

the fact is that you rely not on the state, not on chance, on yourself, on your own strengths, you save, invest and can afford to go to the rada early, i understand correctly what to say about that what professions these people belong to is meaningless, because this is a dialogue, this is a way of life. but in fact, for the most part, these people are it specialists, because it specialists earn a lot, do not spend so much, so they accumulate a lot of surplus, but uh, in fact, any person can follow this ideology adhere to, the main thing is how much you need to save per month, what part of your salary, it is believed that in order for you, so that you can say that i adhere to fai there, you must save at least half of your salary, and preferably even more, just the most zealous palage. they add up to 90 %, some boast that i didn’t spend anything there this month , i invested everything, but it seems to me, what about eating, no, energized by the air, the sun, that well

, people are hunting for all sorts of discounts, cashbacks, who- even there are expired he collects food from garbage dumps so that he can make money from it, now with this phrase you will push away all potential followers, from monitor screens, televisions, from i don’t know, radios, these are, these are just the most radical people. i don’t do that, because at one time i went through such downright radical savings, i had years when i saved 90% there, but to tell the truth, i went crazy, how old are you, i’m 29 now, almost soon it will be 30, how have you lived all these years, tell me, this is where, where to find for yourself, that’s how you said, radical, but here’s the question right away, excuse me, please , for what, yes, that’s where the motivation is to put it off, i’m not right now... about 100%, yes, at least 50, because at a young age , people consume, that is, they take out loans, as i understand it, there can be no talk of a loan, but okay, 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, these are girls, yes, these are trips there, well, at least to a disco, i’m not talking about restaurants, theaters, although theaters too, yes, i agree with you that when you’re young you want to consume, but fortunately this craving bypassed me, i grew up in a family that had a relatively hard time in the nineties and i...’ i saw how hard it is to get money and to my dad and mom, in fact , i can say that psychological trauma saved me from consumption, that when i turned 18 years old there, i went to work at the cash register in a fast food, i received about 100 rubles per hour, and when you look at the same fast food, some burger there costs like one and a half hours of your work, and a glass of cola, what do you think now, what do i spend my life on, what do i

spend my time on? and then i wanted , on the contrary, to quickly accumulate, because the more money you have, the more money you get, uh, 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 a million, it is in your interests to earn this uh these 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 the complex works percentage, so i thought - maybe i ’m denying myself a little now, but when i turn 35 years old, i’ll kind of live with dignity, rather than now i’ll spend money on all sorts of nonsense and i’ll live like this all my life, there ’s a little something there i went and bought it for myself , to look into the future, like whether i will live until payday or not, this is my day, well, you know, uh, jack london has such a story when the gods laugh, when the couple looked all the time

spiritualized, in love. friend, they even denied themselves kisses and everyone around wondered how it was possible, no one knew it secret, that is, they have been together for so long , they enjoy each other, they look at each other like lovers, as if they had met for the first time, so the moral of this story is that at some point the gods really saw that it was unfair, well, in fact, they made their verdict, but people just woke up one day and realized that they didn’t want each other, they didn’t want to let alone love each other. you don’t even want to kiss, they did, they never kissed, aren’t you afraid that at 35 years old, when you achieve, we will now come to this, and the level of financial well-being that you so strive for, you will think, and as you know, as in that joke about a man who gave up leading a riotous lifestyle, for the sake of the fact that when he was told that there will be no one to give him a glass of water in his old age, and so he dies on his deathbed, there are children and this, and he threw everything into his spree, the casino,

i don’t know. entertainment of women, here the grandchildren are standing there, he is lying on his deathbed, he says: but he doesn’t want to drink, so you’re not afraid that you won’t feel thirsty, you know, this is a good question, when i just started there for the first 5 years before i turned 25, i believed that when i turned 35, i would retire early, i would live straight away, everything would be fine cool, but a couple of years ago a tragic story happened, my best friend and peer died, and i... i suddenly didn’t realize that i, too, could die at any moment, that people in general are mortal, and i started to realize that damn, suddenly i really won’t live to see retirement and god forbid, or with me something will happen, and this has greatly changed my habits, if i used to open 80-90% 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

strategy a little bit, here’s how to adjust what i put into investment accounts, and stopped blaming myself for the money i spend, uh, at some point i was really ashamed that i was there - allowing myself some kind of video game, or i can afford a ticket to a concert, and even more so some kind of travel, damn, you went somewhere to you hung out for a week, arrived, forgot, you have nothing left, just some memories that will be forgotten, alone... you spent, so i was very ashamed to spend money on travel, well, you know, i ’ll tell you, it’s possible you will listen to my experience, i am 55 years old, so i can say that travel and emotions in 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 back, nothing but these emotions, they are not in life, but the pleasure of money, it does not come by itself simply by the fact of its

presence, but because otherwise films with the famous stamped titles would not have been made, the rich also cry, and all that our life is is emotions, these are emotions, these are new impressions, so i - i can tell you that the more emotions you get, and the more you will remember, it is advisable to do this not alone, so that later you do not leaf through it in your memory, with someone they said, listen, do you remember how great it was, 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, deposited into an investment account. okay, let's talk about specifics , okay, so you save 50% of the 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, we have a fundamentally different approach, here , okay, where, now, of course, there aren’t really many options

a lot, if we had met just a month ago, i might have told you there that i buy russian shares, chinese shares, american shares, but just recently they imposed sanctions on the st. petersburg stock exchange, my assets were frozen, infrastructure risks , and there are not many options left, that is , either russian stocks there, or bonds , or even buy an apartment there, that is , that same brick on the head, yes, as i apologize, yes, with your friend, he fell, that there is everything that was 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, somewhere around 25% of assets are frozen, but i i don’t despair, because i’m now in the accumulation stage, on the contrary, i find interesting periods when everything is falling, when everything is unstable in the world, why, because when everything

is cheap, i can buy more shares for the same thousand rubles, more assets, and returning to strategic goals, and what are you for yourself? have they set a deadline or is it a matter of fact , as it turns out, it will turn out that way, or is there some kind of goal, that is, at what age do you want... to stop working, i would like to stop working actively at 35 and continue to do some kind of work then more creative activity, and not be obligated to do something to someone, at 35, how long do you plan to live, you would like to have enough, ideally, of course, enough, that is, in fact, the money should be enough for 65 years of life, not all of these i will have money in 5 years at the time of my thirtieth birthday. i'm planning some more time i will earn money on some of my own projects, after all, in the end, this is retiring early, this does not mean that you hang up your paws and just

withdraw money from the account, you get, i don’t even understand what to live for, you know, how is this again a joke, doctor, if i don’t drink, smoke and communicate with women, i will live, the doctor said you will, but why, i have the same approach, that is, by the way, this is the next question, aren’t you afraid? you, so that at 35 you reach your goal, everything will turn on apathy, but no, i’m not afraid, myself in fact, this is the main argument of opponents who say, well, how can it be, you are so young, you are 35 years old, you will retire, but for me and the supporters of this movement, retirement is precisely the opportunity to do what you want. and there is contact. results of the year with vladimir putin on december 14 at 12:00 moscow

time. you are watching the podcast easy money on the first. today we are discussing the topic. money, retire at 35, do 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 serious, completely, because if this doesn’t happen, it’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 advice, a life hack for our audience too, if you set yourself some kind of goal, then the goal should be drawn out, detailed , painted as much as possible, then it... will come true, because if it’s simple, well, i’d like to go somewhere, to, well, the maldives, yes , there will be no maldives, no trips, nothing, so you have planned for yourself the first year of life after fire, i didn’t write down the day by day, but i have, well, some big strokes there, yes,

yes, big brains, i’m already slowly preparing for a big trip, i have a dream that i’ll buy myself a house there on on wheels, for part of the money that i earn and from the cost, he literally. i’m not going to be very expensive, no, no, well, specifically, it should be written down, i’m looking, i’m buying, that’s how it works, a house, it costs 2.2 million, i’m taking my wife and we’re from there together. let's go on a trip around russia first, i have the dream is to travel russia from kaliningrad to vladivostok, see all the cities, and along the way, live there in different places, force majeure, a child is born before 35, or force majeure cannot be excluded, well, i don’t plan yet, my wife doesn’t either plans, we somehow came together, by deeds, how by the way, she relates to this process, she, uh, says that in our world... it’s difficult to predict anything, even what will happen in a year, but i

was so ambitious for early retirement, so she doesn’t save money from me, i’m kind of in favor i can say that i’m putting the two of us off , well, well, she provides the current life, for example, i wouldn’t spend money on travel, but she says, i want to go to egypt to look at the ancient tombs, in case something happens there tomorrow , there are more of us in egypt, but this is all my wife’s idea, i have slightly different planning horizons, maybe it’s for the better, when you find such a life partner, you think long-term, the partner balances out with each other for the short term , she is my colleague, she too editor, writes, edits articles, great , who earns more vyliana , i earn more, so do you have a marriage contract - 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 a person here, i was struck by sudden love, it turns out that she endured all this, and this money, that is, at least she will understand that 50% of the accumulated money will be applied to her, or not such a thing, and 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 regard , we were kind of lucky, thanks to our parents, again, i understand that for many russians, who perhaps wanted to adhere to such a fi movement, their first task is to get rid of 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, buy an apartment there in moscow or in some other large city, and people pour a huge... amount of money into the concrete,

which stands and sucks up this money instead of putting this money into the account, which is what i think, while i’m living in moscow, but before that we lived in the moscow region and in which district it’s no secret, if i say in khomovniki, you’ll probably think that i’m greedy, cool people live there in khomovniki, but we have an apartment in a simple nine-story building, here mom, it’s not the best paradise, but ... in the soviet union they gave out apartments, i got it, so again, thanks to my parents, but that is, you live with your mother, no, your mother moved, we later bought her a separate apartment, but we live in a two-room apartment, mom in a one-room apartment, listen, well, that’s great, you were able to to earn money for an apartment to buy for my mother, or is it jointly with my mother, together with my mother, i understand, great, that is, now, as i understand it, you are renting it out, we are renting out an apartment in homovniki, we want to live on this money. in different cities, also travel, look, well, that is, it turns out, you’re not like that,

not a firm follower of fire, that is , you allow yourself excess, because in theory, the money received from income, from renting out an apartment, money, that is, it’s just total income, what difference does it make whether it’s a salary or not, in theory, they also need 50% take, invest, i agree with you, i ’m just trying to balance between saving for early retirement and not losing the amount. because you are absolutely right, human psychology is such that when it is unclear why, our brain is not used to living in the future, he’s used to living now, and when you deny yourself, tear something off and put it somewhere, it’s quite difficult, i ’ll tell you how it works, we each have a little self inside, and there, relatively speaking, there you have little alexey, and there i have little misha, yes, who is that same internal resource that manages your life resources, at some point you came to him, he says, listen, let’s be patient, now we

are developing a business there, yes, or we are there now we’re working, we need money , that’s where i need strength, you’re asking him for strength, you’re getting strength, but in return you have to give something, yes, that is, he, this, this is a child, he doesn’t understand what’s there - there’s interest, fire , something else, right 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 don’t give it back to him, then you, uh, in next time you come. for resources, he says: listen, dude, excuse me, please, now this is definitely a copy, he’ll say, go ahead you know where, and you are left without a vital resource, your eyes actually go out and you don’t understand why, and most importantly, where to get strength? save, you have to save half , as it were, but i limited myself to the fact that there is a salary, from which i save half, and there are some incomes that, well, i didn’t earn the apartment, mom, so, well, in ideologies

are the same income, if you’re going to play, then play honestly by the rules, there is income, okay, give mom her share, yes, let’s do that. mom is just retired now and she in fact, he also lives from this money , so, okay, where, let’s return to the question of where, how we can earn money, well, at least for five years, so you plan how many years of life you will have when you get out at 35, in this free float with money that works as investment capital, well, i would like to live until i’m 100 years old, no, well, we’ve already come to the conclusion that you spend well. let's say, well, 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 up to a million, accordingly, 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 40, 45, more likely 45 million is also possible,

that is, you plan to save 45 million in 5 years with the help of investments, and provided that i i’ll sell the apartment that i’m currently renting out , i’ll invest it in more profitable instruments, it’s quite possible, how much does the apartment cost, but somewhere around 202, no, 22 million, that is, half, good, and what’s more, we’re not taking on the risks of inflation now, which apartment, real estate will depreciate, and so on, as was the case in japan in the seventies, you know this example, when it seemed like an island, yes, what could happen with real estate and on an island in a larger one in one of the largest economies in the world, so real estate fell in price there by up to 40%. this can also happen, but you don’t expect it, is it in your formula, in your business model? i always have 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, you can’t imagine

some kind of moral, emotional blow, that is, you live, you’ve already lived to see this day, especially since you have this plan written out for buying a trailer for a car i don’t know at home there. yes, suddenly something happens, or in the thirty-fourth year you realize that this is another plus 5 years, where can you find strength from that inner alexei, from lyosh, yes, when you come to him, he will say, sorry, dude, yes, there , you lived for 5 years, it’s unclear how anyone, yes, i almost died here, and goodbye, good question, but i like the words of the founder of this movement, mr. money mostesh, he said, people focus too much on why it won’t work out instead of focusing on what to do to make it work, you’re watching the podcast easy money on first, today we are discussing the topic of how to save money and retire at 35. so, what are you doing now, specifically, you will get there, i don’t know, well, half of it is 50-70,000 of your

income, or 100,000, where will you put it? i i’ll put it in liquidity funds, which now give about 14%. our rate is still high , 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 be a federal loan bond, which now gives an excellent fourteenth yield, that is, 14% per annum, and i think that if the central bank with 15%, another tightening of monetary policy is possible, the rate will be raised further, perhaps this yield figure will reach 15, well, in principle, banks now they give similar returns, so , that is, you put funds, yes, precisely with the expectation that monetary policy will tighten, liquidity funds will react instantly and i will not lose any money on these or bonds, only when i understand that the cycle of completion of interest rates will end, i will be able to record this ...