that is, somewhere to escape from this pain, but it is better to run towards the goal. here is the same friend. i saw the post, she took a picture with her phone and wrote. here's my new office for cash. i think it's good that i don't need it, that is, these are directly financial in. this is the amount of money , financial things. it's not exactly what i need here, yes, it's some kind of money. i need some way to extract this money. and if it is, and if it is a wealthy man who says yes, please stay at home. here's your money, here's yours resources here are your opportunities, stay at home to have children. i love you. herself. you don’t understand, i’m wondering what, uh, but it’s as if i didn’t become an adult then, that is, probably, i’m just looking for this. well,

how are adults with you, an adult woman's wife, for example, a wealthy wealthy man, you run a household. yes great achievement. this man also needs to be found and kept with a lot of work, a serious investment. no, i understand, as if i can't stand on my own feet. so it turns out we broke up as a young man, and he paid for the apartment, and he paid well for food, so i basically spent my money on education and invested in development. well , that's how it was. and now it turns out that the money that went i have for my development i, uh, i do not rent an apartment. welcome to adulthood. this is development. by the way , yes, yes. yes, the refrigerator will not fill itself, but i understand, i want while i need

money. even honest i need money, what to whom why why do i need money, it's some kind of shame with my mother so taught, probably yes, that money wants money, it's something like that. well, it's not more interesting, yes, money is evil , even money electricity is evil , you can say electricity can kill a person. can you warm up breakfast? yes, electricity is a tool, the same with money, gasoline for a car. you do not pray for gasoline. well , why don't i pray for money, that is, i say, as if they would give me money, that's cool. in a sense, this will simplify this life, well, it is determined for a certain period. uh, no one will give money. wait to pick up, you understand? but from this position, well, i have money is not important. well, i so it doesn't matter, not money , interest was given five times already changed shoes in the air. let's be honest, the money is needed as a flow. this is the main goal, then

money is not important money. this is a general success. well, success is always money not always. well, it seems to me that somewhere here you need it. yes, that's envy, it seems to me in general, it is possible, but i think envy is, you know, how it is that motivator that turns on when all the others have burned out. she calls. i just have apathy, that's the whole problem. well what, let's have your opinion that if you envy someone, then you are bad use envy as a tool, go ahead. in general, envy in moderation, think about yourself and let all your motivations be positive. we hope that you will find this energy, but also do our homework. yes and easier, of course, to yourself and easier to yourself. it was a podcast of the psyche, where

i am a journalist, natalia loseva and my co-host clinical psychologist, candidate of psychological sciences mikhail ors, analyze quite complex the tasks are here, but the problem is precisely this, here is a specific local, that is, i can’t say that i’m not successful, actually a little. who will win the car. well, you didn't even say so. you won a car, but it's the same. what, what is this? well, there was some, well, so-so. the last time i win a car last week, i feel our devaluation of our achievements is now you are in some kind of fact, it's called a crisis. don't try to jump out of it. allow yourself to get out of it gradually. uh huh, this one is professional personal now the crisis. by the way, he is quite common among young people. just now, closer to thirty and 27-28 , you begin to sow, which is still needed early. not needed. well,

it's only been 4 months. i still say i live, so it will figure it out. he is a young, pretty girl. everything will be fine with personal relationships, it is important to get out and let me get out of the crisis, because it seems to me that you broke up. it's here too. added you a crisis, on the contrary, a way out. well, it seems to me that this dead end, which hmm pressed, well, yes, probably both families were waiting. waiting to get married. yes, everything is already, it seems to me that they were not expecting anything. well, in 11 years, you can already save several times, it turns out. you had one single man in your entire life, yes, yes. this, of course, find yourself an older man , something like 35, 40 is well interesting, please don’t listen to blockages, you know that you don’t need

to sell yourself mikhail, please, as a stratum, do you understand such a social one? why does he need a man under 40? why did she say 35-40 that's what it will be. it seems to me just communicate. i communicate a lot. i'm just very happy to flirt with them. no, flirt flirt. then the strem began to be interesting. that's what was on the face now , that's it, it's so personal. yes, it's the same myrtle me young unmarried girls flirt. oh god no, i'll explain it to you, just a flirt is let's say for sex. yes, first of all, why not, but let's not go, what, why cheat? and everything should be honest in your life. listen, there is nothing more interesting than this subtle game of smart people, even,

when you realize i can't flirt. that's why the father, of course , is from the east hello dear viewers, this is the easy money podcast on channel one, i'm its presenter mikhail khanov today we have just a super guest, finance minister of the russian federation anton german silanov. hello antonovich. let's get right off the bat. we deal with questions on our podcast. what is money? for what? why? how is everything arranged? how does it work in financial literacy financial security, if you want and immediately question remember this, in our childhood there was a wonderful pioneer slogan. you are responsible for everything. here. uh, for which in the response

the ministry of finance very clearly noted that, probably, the ministry of finance is responsible for many things, not for everything, of course, but for what money, probably, in the first place. everyone knows that there is no such thing as too much money. and, of course, an offer. uh, there is always more than there are resources, but we have a lot of money here, if you hold the ministry of finance here you are, as the minister of finance you uh? your director or you chief accountant, not one for the other. we work in the ministry of finance and must perform an analytical function, because without how to properly dispose of e budget money, where to direct e in the first place, there will probably not be success in any case, that is sequence. you decide or there are still some settings. uh, the government decides. we are making an offer. we make an offer, but from the offer of mr. finance. i said

that a lot depends on the final score. uh, the government's decision is oriented, among other things, position of the ministry of finance therefore. you say, it means what the ministry of finance does for what in general, how to say it is responsible you know, probably few, it means the sectors and industries for which the ministry of finance is not responsible, here is financial policy, here is the budget taxes are part of the monetary policy, since we together with the central banks are the powers of the central bank, but uh, fiscal monetary policy is linked. eh, interbudgetary relations are very strong. yes, in general i will repeat it again setting priorities. uh, without uh treasury positions, since each task usually requires money. that is why the ministry of finance is present everywhere in all decisions that are made by the state, it can probably be formed.

so your task is to allocate the budget in such a way that we observe this very financial stability. you said you have enough money. yes, how do you feel? how to understand how to understand for a person who does not have a financial economic education that yes there is enough money, what is financial stability, financial stability in general. you know, probably, when people don't care. uh, rising price tags stores, when our people are among the news. uh, first of all, they learn about the weather, and not about the dollar exchange rate , or we will definitely talk to others. that's when inflation is, uh, predictable, and when there are no such problems with obtaining wages . that's all, if you put it like that, financial stability, in fact, of course, behind this term lies a significantly huge plast e of work, in terms of e and budget , e and debt policy and principles of financial policy , which e follows the government of the russian

federation, but we, as the main financial department, give corresponding proposals for the government, therefore the ministry of finance is just this e the body that is primarily responsible for the financial stability of the stability of the state. and this is our top priority. by the way, here is the question. how many people work together with finance 1600 people. 1.600 human. i would say that this is not a lot of people for i will also argue with you. here, actually. many people think that if there are many functions, then more people are needed. in fact. this is absolutely unrelated, because in the end, people are responsible for each direction for a specific issue. e in e professionalism. e, so i don’t care how many people you have under your command 100 people or 20, if you correctly formulate tasks, if you organize processes correctly, then you can, uh, do the same functionality with

a small number of professionals, returning to stability, uh, 23, and it will be more stable than 22 . do you think that the budget is equal to the budget deficit of three percent. yes, as far as i know, if not memory serves, what can be said to calm e. uh, viewers that financial stability is, here, in some krasnoyarsk, even with a relatively budget deficit. forecasts for the current year, we are more optimistic here, because we understand in what situation we are in. the most important. our task as a government is to uh, our people live better and not feel the limitations that, uh, our country is facing. our economy is like this. i will give you a few figures. according to estimates, for the current year , real wages should grow by 2.6%, and real incomes by 2%. this

means that, despite the dynamics of inflation , incomes will grow higher higher consumer price index higher than inflation. yes, these are the indicators. this is the first. second, we are planning such an e, which means, and if the decline is the rate in the dynamics of our economic growth, but this decline will already be much less than last year. and next year we will come out already on the positive qualities of the twenty -fourth on the twenty-fifth further this year we will practically reach our planned inflation rates. that is, our target is called yes 4%, this year we expect, well , between 5 and 6 5 this is last year. we finished recall 11 1/2. yes, 11.9, yes, we have 12 digits , so the most important thing is that people will live. uh, even uh, that means in the black in terms of real income. this

most. most importantly. the main, final, indicator of the work of the government, so that people , uh, people would live better; the second, the economy is adapting and despite its decline so far. we expect someone to reduce 0.6% of gdp, uh, before the order of error, maybe, uh, if it works out, uh, more optimistic forecasts will be better weather, that's inflation under control, what about? i'll correct your question a little with the budget last year. we've finished. this means that this is a year with a deficit of 1.7%, 1.7 - this is without taking into account the delays that we gave, uh, it means our insurance premiums, and with these deferrals, since we compensated part of the expenses with the state budget fund, uh, two and three two and three percent, and this year we planned a 2% gdp budget deficit. that's why it's absolutely acceptable. e,

means, an indicator of the working. uh, of course, uh, means the level that uh, in no way will u lead to financial discipline, so uh, answering your questions, economics. uh, will work better than last year. uh, inflation and uh, our performance forecast economic centers will decline uh this year. once again, the figure is not so somewhere yes 5.5%. our, uh, slightly forecast for the current year on inflation. and most importantly, we understand how to work in these conditions. we understand those, uh , points where we need to concentrate resources in the first place. this is the support of people, the second is the support of business. our task is to provide both the regions and local self-government bodies with resources so that they can fulfill their tasks, therefore we

understand and can say that despite everything this is a sensational limitation faced by our country. we know how to work, well, i can't do not ask a question, since we have already moved on to the topic of sanctions and the topic of the dollar. hey, we can move on. so my youngest daughter asked me when she found out. and that i'm going to talk to the minister of finance, dad, why we all follow the dollar, and why the whole world does not follow the ruble here it all depends on the economy, answering the last part of your question. why doesn't the world follow the ruble exchange rate because, uh, ruble zone in e. the scale of the world economy, not so significant, but i can not agree with the approach, why are we all watching the dollar? i don't know why we don't keep track of the dollar, because we are now switching to settlements primarily in friendly currencies. these are the moments. first of all. these are friendly countries with

which we have established relations in the first place. why do we used to uh so much attention. dollars, uh, so they paid, because we had trade, uh, primarily in dollars. yes in dollars, euros, means, uh, pounds, and so on. this so-called reserve free convertible currencies were considered. it seemed to the top units of account that this is a completely unreliable tool that can be taken and canceled. that's why we don't have confidence in such units of account, it's been lost, and uh, lately you see, we are switching to trading in other currencies in rubles. and, of course, from other and friendly countries this is yuan, i will give a few figures, if in in the 21st year, a significant part of our

calculations was carried out in e-dollars, there euros , and so on in e-rubles. uh, so with the calculations , uh, about a third, about a third, now uh in rubles and friendly currencies, more than half , about 55%. this figure will be farther in the distance. that's why, when you, uh , say, you can answer your daughter, of ​​course, you know the ministry of finance is not worried about what e like uh, so, uh, you will lead. e dollars we are more concerned about how it will mean to develop economy, and how will the income-generating population grow, what kind of employment will we have? will there be unemployment? no, next to say, now one of the elements of stabilization - this is the lowest. the rate of unemployment is three seven percent three seven percent, that's why such urgent problems are much more important than, uh,

exchange rate ratios. you said that life will be better due to the fact that incomes will grow. let there be two there with a penny by 3%, but, nevertheless, the fact itself, yes, but in simple words there will be more money in the back pocket, brul. yes, as we sometimes say, the question is very simple, what can interfere with this plan, and this year, but turn into reality, that is, what can happen that e are not fulfilled, they will not show either on the revenue side of the budget, but on the expenditure side budget. will they be exceeded by such predictions you make? we have different forecasts, but our most important task is to ensure that those spending plans that are in the budget are fulfilled and they will be fulfilled whatever the risks are. uh-huh risks, there are associated with external factors. well, you see all these sanctions packages. of course they are accepted. i understand that we once again say we have adapted, but we have a large volume. uh, the structure of our

exports. export of hydrocarbons, gas, oil and so on. yes, here is ours, uh, unfriendly countries are trying to reduce the income of the russian federation, here are experts, first of all , hydrocarbons are all sorts of slingshots, there are price restrictions and so on. yes, we are now refocusing on, uh, other markets. eh, so they themselves suffer more from this inflation. they grow more, by the way, in many country value by therefore year e. under the past years and therefore here, however, in a number of countries. uh, european means inflation. e, it exceeded 20%, so it happened, so what are the risks? there are risks. there is a decrease in export revenues as a result of possible restrictions on sanctions, which means this year, but i repeat once again that our

exporters will reorient their flows and find new markets. yes, it will be a little more expensive for us, because the so-called logistics or transportation of goods also requires costs. there are, uh, certain risks in this, but i repeat once again that we also have , uh, an answer to these risks. and what are the answers? this means that we have budgeted a certain level of oil and gas revenues of eight trillion. uh, we planned that it would be under nine, but this difference, to be exact 970 billion, then this is the difference, we planned, uh, means to send the national wealth fund, export of hydrocarbons. eh, so, uh, they won't come true. well then, uh, we won't send to our uh, reserve those funds eventually. even then, we will be able to take away this money somewhere, or the initial

national welfare, which we formed everything, by the way, is in it now, so that they are distracted. uh, talk about the liquid part. about six trillion rubles. that's the weight. that's why our task of the ministry of finance is to ensure that everything is planned in the first place. this is our, uh, commitment to citizens. everything was done regardless of what sanctions are there, what oil prices there are on gaz restrictions, everything will be done. and this is the main function of the ministry of finance in order to find resources to solve those, how to say primary accounting tasks that were planned for the current year, speaking of risks . the fact that sanctions prevent the growth of income from the sale of hydrocarbons is understandable. is there a risk of a global recession, that is, if the consumption of resources in the whole world decreases, uh, i don't know metals there. e hydrocarbons. it's just that the world economy will enter into recession, which is now

scaring us and the monetary authorities, and america there and europe and even japan, this is the risk of a global slowdown and a decrease in consumption, that is, well, in fact, the global economic crisis is a risk that you put in forecasts for the current next year. of course, these forecasts were also miscalculated, since we are part of the world economy. if, as you say , the world economy will sleep, then this will mean a decline in our export goods. this will be a reduction in prices for these goods, of course. we will be able to less, which means we will receive income from exports. i'll say it again, uh despite all these risks. although we believe that in connection with the opening of china, e, means the risks of a recession in the global economy, a are greatly exaggerated, yet china is one of the major drivers of the global economy.

if it opens, then we hope, which means it will be able to support the world economy, uh, with its growth dynamics, and china is now our main trading partner under $200 billion, we are increasing the supply of our energy resources and raw materials there. courses from there i get those goods that i used to were purchased from western countries, so western countries. so, introducing restrictions. introducing a ban on the work of their companies in the russian federation well, they have repeatedly said they shot themselves in the foot, because they reduce, uh, market share. well, others will take their place. she hides the economy, so she says, yes, the wise russian people simply do not have a holy place, or they will occupy ours. uh, so the producers we see now after leaving. eh, it means that the astral business immediately enters this place in our company. if those technologies

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mikhail khanov today we have a guest, the minister of finance of the russian federation, anton germanovich. the question is, what percentage is the ministry of finance currently occupying? let's tell the viewers. how much does it cost to borrow money from a corporation, even from individuals, we are now borrowing at the beginning of the year, and here is a little more than 10%. 10 small, but in fact we believe that this is a very high percentage and the future of our auctions. we see that there is an opportunity for a downtrend. by the way, speaking, you said about the viewers, but about the people in our audience. yes, yes, uh, our government paper is a very good investment tool. now how many in banks. uh, you can, uh, then put your money on deposit, well, six seven six seven top, yes, five six seven ten percent, well, 10 is a long time. let's tell the audience that 10% - this is not a year of the year can be

bought today. you can sell. but 10% we will receive, you will receive a coupon, yes, we will not, so buy. e federal loan bonds. well , i can say that when i answer questions. uh, where is the ordinary person now? yeah, uh, without any investment skills. where to save money? i'm saying that the first and most important instrument is the ofz - federal loan bonds. if you live in this country, believe in this country, you work in it, yes, then there is no better tool. those who liked foreign share assets. e. today we see, unfortunately, unfortunately, suffered, because that investments fell into tesla and other western companies there today are simply blocked by western structures, therefore, if we talk about means of investment, the yield of paper and the projected inflation of 10% are only now at the beginning of the year. if we see

the slowdown is already dynamic. inflation trend slowdown sometimes now if anyone wants to protect their savings, they should buy more now. uh, it means that the minister of finance advises everyone to bet, how to invest money correctly, uh, it's worth a lot. thank you again, we say that the target inflation. well, we predict inflation of 5.5 with a yield of more than ten. you are this favorite. as i will beat inflation, you will actually beat inflation twice. well , at least this year in banks such profitability in banks. why is it now? why why banks do not pull up such an opportunity, so impossibility. why don't banks give more? well, because, firstly, they also focus on cost. e resources in the economy the cost of resources in the economy. including focuses on our papers, so now you can take a loan. well, there are nine 10 11 12. it all depends on the borrower.

uh, in order to issue such a loan, banks must draw resources lower than the cost of the loan, because the difference is and uh, the bank's costs are the bank's risks - these are the reserves that the central bank requires. in all cases, there is a certain gap here, therefore, between the amount of money raised and the issuance. so, uh, that's the way the costs incurred by the bank are the way the banking system works, answering the question. i still love this one ask a question. what banks do, banks buy and sell money, respectively , they buy it cheaper, they sell it more expensive for these, as they say in well-known jokes, two questions and we live. and it's good if we started talking about debts like that. let's have a simple question. are you a civil servant? of course, you also have a map of the world. yes, and on which salary do you receive , if you personally have credit cards? and you also use. well, i'm not like a credit card, i use it like a regular payment

card. you yourself climb into this credit uh, history is rare. well, it just happens that the minister of finance can force it. uh, under climb into credit. what are your personal purchases? everything is very easy to see. i have. uh, bank deposits, so i have a card on which they receive wages, these are cards. uh, if i get a salary of part of the money when i send it to e, then the deposit bank account, here, and part remains on the card, so if i have a purchase, uh, it turns out i have to pay more than my account balance. i'm getting into credit, but i have e bank. uh, so because i already experienced client. a reliable month and an interest-free loan are such you try to withstand, that is, financial hygiene, as i say, you withstand something on time. and by the way, the question is this. here you personally

on your mobile phone financial scammers called at least once. you know, i try not to take, uh, calls from unknown addresses. well, by the way, yes life hack. uh, the finance administrator is one more, in addition to the federal law for our audience. don't pick up phone calls from numbers you don't know, keep asking about financial systems, including card systems , that's in your opinion. is a unified financial system possible? well, let's not talk on a planetary scale, but at least there is a fairly wide distribution outside of politics at the present time. this is impossible. here, although uh, ideally, of course, today. if we talk about such a system, then we can talk about the unified system of settlement payments and settlements among friendly countries, suppose, uh, brix brix countries are there, yes, it’s quite possible, what currency will be the calculation, but it could be some kind of national, relatively speaking, unit of account.

as you remember, the transferable ruble of the soviet era, here, uh, on the basis of which it would be possible to pay, but such uh studies, as it were, are being carried out, but uh to uh, decisions are very far away your relations are two-circuit financial system in russia could you say a few words on this subject? do you know if this is a two-circuit system? yes , what is it? let's come up with these experts. i think it's more theorists that what is it about that there are some real assets, namely gold oil, metals, something else, and the corresponding monetary units are allowed for this asset, because it means that the asset is being issued. ensuring the provision of a cash equivalent is these, so to speak, as a rule, some kind of raw materials. how to say resources that i have an unconditional value, they offered us, you know, here, uh, under reserves in

the reserve. there, even there, but still print money. well, in fact, this is possible and, uh, if we talk about such a bypass, well, how would the elements of what it is can do? e with digital financial assets, namely with you , the so-called coin, i don’t know who works knows, they are issued for specific assets. that is, i am an entrepreneur. i say that i have e , in fact, there are machines, which means the volume, uh, of production from these machines. yes, i want to expand my business. and i want to buy more, uh, production assets for this. i let, uh, so digital financial assets attract money. this is how it might work. well, like bills actually, but on a state scale. i i think that this is an unpromising path it is

promising. this utopia is essentially close to utopia. yes, anya we, in any case, as the ministry of finance do not support this. e, that means, since some banknotes or rubles are even issued under e, some assets. we are not the central bank. we do not see this, but we do not see further development. well, there's a monopole here. yes the monopoly of the state money printing should be unshakable as this is one of the main functions of the state. and your relationship to the digital ruble, then this is promising. u means direction, because that a number of countries are working on digital units of account. e in china e, launched a digital yuan, while a limited number of conical e, means applications. uh, what is the difference between the digital ruble and the regular ruble? there are pluses and minuses. these are the advantages of own ruble, which means that buying this ruble is absolutely reliable, because the issuer is the central bank, if you have money stored in a commercial bank, then there is a risk that, well,

the risks are the potential of the bank, of course, the bank goes bankrupt, the money is gone, except moreover, uh means levels that are guaranteed by the state, that is, the first plus is that reliability is 100%. the second plus means that for calculations, e, it means that no commission is charged for payments with a digital steering wheel. what are the minuses on the balances of the digital ruble , interest is not charged, because the central bank will not pay for this interest, because here it seems to be outside the settlement banks. and the second is that while at the first stage. uh, we are talking about the possibility of presenting loans or taking loans digital digital assets because banks in this system. they will play the role of, uh, exchanging e -digital ruble points for the ordinary i was a bank. i would be scared, of course, with him, what should they do in such a situation in this coordinate system to work with ordinary rubles. i say it again, loans. these are services.

they have their own niches, they have their own niches, but their role will be of interest primarily to the budget, since it has exclusively targeted transparency, so to speak. he can't be put anywhere. to use it for the purposes envisaged by the law on the budget, and we, after the instrument is operational, we will gradually begin to use it for our budgetary purposes. that's, uh, that's why the central bank. uh, means actively participating in, uh, preparing for legislation something and, uh, deploying this system. well, in all cases. end of this year next year. i think that we see the first support, of course , yes, how often are audited here are the state programs and what do you do, if you are the effectiveness of the right question, because money for state programs on our project. we have only one of the trillion-ruble projects.