no, this story didn't exist at first. well, that is , it was just what we call pocket money, which is given unconditionally during the week, and on fridays 200 rubles. then 500 rubles. it's just that's definitely money, and now it also continues. it’s just that now he already has more interests in this, when it became clear, already at a slightly older age, that well, it seems that i want more, that’s when we began to come up with some ideas, what else is possible, well , already see how the labor income for this ? yes, i then actively introduced the block as times for children's financial education, and i asked him to give and you'll pose for me like uh. well, how about as a photographer? i will take a picture and a 200 rubles. here is one right for the photo shoot, where i chose several high-quality photos. i also added this to his piggy bank. well, as ideas, now he already has quite a few different ideas. he is now even such a small business. you started here , well, that is, it develops, dad takes part, but since dad is also yes, there is a financier from the financial market and he also has all this. they say it's very interesting with children, he

also comes up with different contexts. for example, now danya is fond of gymnastics . well, it’s just so professional, yes, that is, he’s entering competitions , he’s already, uh, progressing, he has certain records. well, for example, he is now the last record 20 times he began to pull himself up. here's dad, as if spontaneous , without my consent, decided that 2,000 from mom 2,000 from dad for such an achievement. this is how he replenished. actually now for 4,000 piggy bank of his dream. he's saving up straight a lot of 42.000 on quad bike and he has a little left. in general, this is, in principle, good. i'm from the language question is not in the role of the situation. do you know how? well, in general, it happens, probably, in the families that you advise. mom, then, conducts strict accounting control of 500 rubles. so a week, and then he comes, dad says, well, you have 1,000 rubles on your son. you are great, absolutely. this story is the same, that is, in our family i am more of an accountant who loves watches. although

plan for a shorter term husband - he is a strategist. here he sits down once a year and draws an excel table with our budget. yes , let's see what kind of strategic savings rate we get this year, that's all, and we don't set standards for this anymore. maybe savings. you're even hard for me. i thought at first the audience would leave now, we can delay. e for your financial goals, for example, or for an airbag, how would it end. well, that is, conditionally there, so we looked at the budget, figured out, there there, we want to go there some more big expenses, and we understand that there is conditionally 15% of our income. we can certainly postpone. this is what is called when, nevertheless, in this situation, when well, there is one of the parents, let it be the mother in this case, that is, she goes under strict control, then 500 rubles. and here comes. dad strategist says, well, son, you 're done, you will support 20. here you have 2,000 and the child has. here is a guy for these 500 rubles a month. better. i will pull up and walk. well, this is true, very vital. yes , and it is different. and i manifest myself

in different ways in such situations, for example, now dad, when he announced that 2,000 rubles. for pulling up. i am like that. well, you know what dear? get out of your budget. me, too , these 2.000. and i'm like he's not there for me. well, in general, i asked him to finance these 4,000 rubles. well, because it's really in my personal budget, like, well, it's some kind of spontaneous story. here it is necessary to negotiate, of course, it is necessary at some point to clarify certain rules by grandmothers. this is often the case, too, the situation is true, because grandmothers really like to finance something. there's some money to give for something. what's an envelope, huh? what is unacceptable, for example, in a family, that's why we need to discuss, of course, we need to agree. it doesn’t just happen, because my grandmothers are offended , there is a transition , or you have switched or you advise from cashless non-cash forms. an excellent question. connections. he understands, including some responsibility for the fact that this financial product yes she and besides, he

can do great. well, learn to count, and this is the feeling of texture. yes, that money is a commodity that can be exchanged, that they can be examined banknotes, there must be a biography there. and now, i think that up to 8-9 years. it should definitely be in cash, because it is important for children to live through this texture of cash relationships and understand, yes, they wrote down the money, that up to 8-9 years. it is the tactile sensations of money that are very important, that this is an exchange commodity, that it is a kind of commodity for which you can buy any other goods. very important i decided to find out. what companies do we have in the country what do they do, what do they strive to produce there and what do they want to achieve, i am ready to go and test everything on myself. this is cosmetics primarily for the russian market, but it was originally conceived as global. our company produces more than 40 types of various devices. of course, this is a profession. lies like

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tied to the account of the parent and the parents one way or another operationally. maybe another question is he doing it or not? i'll check it out now or not. well, really, as parents , he himself is within the framework of his own rules. yes, he wants to do it, but my position is about what is interesting, what is happening there, it is interesting to look at the texture. here's how i spent it. what questions do you have. but this, among other things , forms the dialogue yes, and here is the ability to talk about money. but to broadcast the idea that you don’t need to spend stopudovo on this at all, or on this one you spent badly. it seems wrong to me because it kills this solution. yes, they should do it. if the date from what age i always recommend that as soon as the child has his own money , a cashback should appear. well, that is, conditionally, a notebook book, we give it for six years, of course, it can be just a piece of paper, yes , it can be some kind of financial one , now quite a lot of such an invoice

, it can be a notebook that he made himself you drew there graf yes, and so on, but it's very structures well. generally the brain that the money came. here they are spent on this, and so on. well, in fact, it forms a habit with an entrepreneurial skill or, after all, entrepreneurship. these are some, i don’t know, like god’s gift of sparks of entrepreneurship. tendency predisposition, because not every child has a budget to become an entrepreneur. does this help or is this. and you know, it seems to me, yes, i understand perfectly. but it seems to me that these are a little really different skills, and this one is the ability to fix it. it's more about some accounting skills is a tool. yes, and if a child has developed this, well, this tool has a creative fuse, this tool will also help. actually the question is this , this is, uh, routine, luck of money. here it will be. that doesn't kill. this is the flight of fancy. it seems to me that if you make it interesting. well, that is conditionally

pasted over with stickers and take felt-tip pens. yes , there to introduce some kind of creative context, it will be cool. if it's direct will kill. yes, that’s why it’s imperative that children pronounce this element of the game of creativity there to paint with paints there is something like that, in general, yes, this is a tool that the main thing is not to turn into a goal, if an end in itself, it’s just one tool at the level , we understand that this is not an end in itself, basically. yes, that is, it is a tool that allows. there's a better move to financial. goals and so on. and the children have the same story. they must learn how to operate this instrument in childhood, when pocket money runs out. good question. yet again. i think every family is different. here we must understand that again there is some official history. the child can officially start earning himself. here's the money. yes, when he pays taxes on them at the age of 14, yes, then you and i know the number of 18 years, when we are required by law, well, to support children, at least at some minimum there.

yes, and then we understand that there is still a certain human norm, there and so on, when parents, well, anyway, throughout the formation of a child, even if he is no longer child, but somehow helps him. here the question is this coverage. uh, let's say the cost of existence, or is it just pocket money, that is, after 18. here's how you think this is the closure of needs, and then listen, dear. so you want to have money? yes, i think, i think, something like this, that is, if we call the pocket money the money that we give conditionally to the child for wishlist, and all of its such basic part is closed by some kind of money, which we, for example, will call the parent base. yes, that is, for his needs, then pocket money, however, should end exactly before the age of 18, or even earlier. yes, that is, well, my, for example, parental goal is that they will end somewhere at 14 for sure, because , for example, you can, for example, a life path. yes , there was my financial maturation. and i didn't have

any essence. that's a la pocket money did not want. i worked as an aerobics trainer for young children. it was my first part-time job, and then i worked in store. yes, they studied at school and work. yes, and some combined in the evening. yeah, well, i've been practicing. i had a lot of time. here is your occupation. and yes, well, it's not that it's just somehow taken out of context. then , during the holidays, i worked part-time, for example, as a salesman in a stationery store. well, there were some of them, i have a story. was it your personal desire, or was it helping your parents. i gave you a question and provided money. yes, there was enough money in the family and my parents did not provoke me to earn this money. a solnechnogorsk is the moscow region. well , i had a personal desire to get out, as it were, into such financial independence. yes, why. of course, i remember that we went to the competitions in the united states of america and i came with such a changed outlook, in general, about the

ninety-eighth market economy. so i decided that it seems that i want to start doing something, because i want the opportunity to buy more and somehow see the world there. well, it's understandable that i started watching the world later, but in general it was very strong for me this is the way out. that's from the framework of the life in which i lived, but then we went to study, yes, then i had a fairly standard story. well, that is, i graduated from high school in the context. you continued to earn money. when you went to study, of course , my parents helped me for some time, but this feeling that you yourself do something and earn money was very important for me from the first year. i worked, right now with a work book officially yes, the situation is reversed. but you slipped must provide. there, under 18 years old, the situation is reversed. children should help their parents. i don’t have a ready-made

answer there, that this is how it should be or this is how you should be. and we have such a culture, in general, mutual assistance. yes, that is, of course , what we explain. here we help grandmother, for example, we help there, all the grandmothers there, we help some other people. and this is the culture of mutual assistance about charity, including, it is present, we discuss it, and we go into this one and participate there in some charity runs and so on. will some context grow here that he will help there, when he becomes an adult, well, i don’t know, it’s hard for me to say in such a way as to put pressure in this direction and speak. that's where you have to help. tra-ta-ta, because it’s so established, rather not, because this idea doesn’t respond to me myself, yes, that is , i want him to either understand, thanks to the culture of education, that it’s good, that it’s right and on what -something examples this saw, if he would consider it good and right? yes, but in such a way as to directly say that you owe it, probably, well, it contradicts my values, including, but returning to the topic of

teenagers and money, depending on the time period. why, the weekly quarterly, that is, let's say so. i correctly understood that at the age of 14, it is generally desirable to stop this story depending on the time. it seems to me, yes, that is, 14 years old - this is what already brings e child into official part-time opportunities. well, i think it's cool if he's straight will try and think about it and make money on his wishlist himself well when shoes. both support this story to the financier , support this ideology, the theory, and dad, at least does not interfere, but with some kind of stuffing with you. well, or, on the contrary, he says, something is being rubbed off nonsense, then you are wasting time, it is not clear what the child will be left for there. don't ruin his life there. let him play. and what to do when one of the parents? and i understand that often happens? it could be the father and vice versa. yes, there mom is everything. and what to do, how to, how to actually communicate with each other to parents to understand that the issue is more psychology, but nevertheless it is in psychology. that's exactly financial education. ah,

are there any correct words or techniques there? how to convince, uh, husband or wife support you in this endeavor, i would say that to convince directly, if someone is strongly against and does not want to come in. here in some new context. it ’s true, probably not a very rewarding job, because, well, maybe adults, in principle, it’s difficult. yes, there, probably to convince. and if someone does not want to do something. here you can just do some of your own actions. there are demonstrations of what, for example, is obtained by some kind of stories by some discussions. here. well, if i'm like a mom, it's an honor to do it. yes, i study there, for example, i start buying some books there to organize the environment around. this is just to demonstrate that look, how would we do this here for this. of course, i know a lot in the practice of such examples, when this is more related to adults family finances, when the wife understands there, all of a sudden, that it is necessary to deal with budget accounting there somehow to plan, and the husband is such a hygienist there, i earn money. in

general, i'm not interested in anything else, or vice versa. no, interesting, that's nonsense. the main thing is that he does not interfere. you understand the problems, because very often someone of a married couple begins to organize the process, and some results are obtained. well , for example, there, on the topic of tax deductions, for example, it’s very good. can you put it together? yes, this is for me too. yes, there, for example, current history. so some joint contexts are taking place, which are quietly slowly tied up more, yes, dialogue, as it were, some more thoughts here with the children. but now it's just the general culture, yes, and the information background. that's what people began to discuss more about some of the following issues. now it's easier, yes, that is, they leave. this is taboo, yes, that one cannot directly say about this, that it is somehow embarrassing there, or that this is all a matter of investment. yes, in its purest form, that is money is not just like but some kind of material goal, and money is like money, as a tool in the future, when it enters

the child's brain, when can you start, uh, try to lay a child's head, for example, with us? nothing, there are already gazprom shares bought on a separate brokerage account. and yes. okay, natural process, i'll tell this story. guys. went on halloween and told a little girl poem there. emma is sitting on the pipe. something there tra-ta-ta, there each other explodes there gazprom dreams come true. here, yes, they are getting older, guys. she went with her sister, which means that with this stitch she collected sweets at some point, then he remembered him and such mom and what is gazprom well , from this stitch she told him, showed him a video, found some video where they show it right beautifully, what are the workers there, what are they doing? yes, that's why all this is necessary beautifully. can you buy some of this company? well , that is, you can do a little for yourself. yes , just like that, respectively, there are six. yes, six years. here you can buy some. he says, well, like, what am i saying, well, i open the brokerage application to him.

see how this is an investment. this is where dad works. here. but we can buy gazprom shares, which was curious at the moment. we transferred 4,000 rubles to a brokerage account there. and from his money. yes, he agreed to this and he looks like this. and that this green thing happened while we were buying a glass there , it grew a little. i say, well, this is already a little bit of a share grown. if we are right now and will sell. it is clear that we will not comment on the analogy there. here, and now we are with him. now for gazprom plus here, but for the portfolio as a whole. that's the sberbank we added there at some point. that 's a small plus. and we are looking at it throughout. well, once a week we go in . look. and we started at the beginning of this year. well , the good thing here is that the mcdonagh network used to be. here i just had a question, how would you explain, when a minus is interesting, i will definitely. well, i will definitely wait for this contextual discussion. well, we just went into practice, yes, that is, at this age, it’s hard to explain there, that it

will someday grow there, that’s all. so we went into empirical practice now regularly. yes, we go there, we buy something , we look, in general there is money, so that once a week, that is, once a week, this is the period of pocket money. yes, when he checks there, 200 rubles fell on my card there. there, what i generally have in my piggy bank is cashless, yes, but it's early, really, it's early. this is my kind of experiment. yes, and on the basis of this experiment, i can definitely say that it’s too early here. no need for such a big goal, the righteous beautiful and certainly useful as education. uh, who should pay for it the child himself to save or the parents. and if we are talking about higher education, yes, if we are talking about the best and just about everything, this is what any price figures are and so on. we are talking about higher education, because well, there, if you take top universities there, then this amount is about 400-500,000 a year there, of course. yes, in my

frame of reference, it still finances the parents. yes, that is, i understand that parents do not always have the opportunity to do this. and then it can come into play, in that educational loan, for example, which the child will take. maybe not a child and a teenager, for example, and almost a personal matter. if it's triples parents continue to fund education. well, this is a question for the parent. i would continue. unless it is negotiations with the child and the understanding that this is not going there at all and that he really does not need it. i had a whole story, there with one and older children of daughters, when uh me drew up a plan. yes, there suddenly in the tenth grade the university was changed, i now faced the fact that there the use with this one is not the one you need. there they are not very good, they are paid, dad. so you don't worry. now we have a plan like this, i'm in the top 10. here, and there it is a 50% discount, then five there it is. well , almost a year later we switch to free and in general everyone is now happy and happy perfectly.

now the first session was over with a two triples, so dad said, how is it? yes, well, that is, what's the point of paying for triplets? yes, i say, you can study as you like, well, on a budget, yes, here for money , it makes sense to study for money is bad. no, it's just a mistake of chance and so on, but in the summer everything will change, in the summer there were triples and a deuce in advance. well, in general, so on. well, here, another mechanism worked there. uh, there were two programs for the second year and and i know how, your dad will understand me. and i said, we fix the loss. uh-huh here we are the review. i withdrew the money for the second semester. here the child himself did not talk there until now it’s a shame, but then she took a loan study, and uh, after she ended up with one b, she ended favorably with a red diploma, and i was reinstated there as the best dad. but this lesson went, that is, well, cool. this is a very cool situation to give financial

development and ready-made answers. i don't think it's here, because everything really depends on how events unfold. manifested by the participants of these investment events. i understand correctly that this is a non-refundable investment. here we are again they said that this is an irrevocable investment - this is in fact. here you define for yourself that comfort zone with yourself psychology. how much you invest in a child without expecting anything for you is how it works. yes? i’ll also say here that we have, for example, within the framework of our family financial plan. yes , right now the goals of educating children and the financial goals of creating a shadow that we directly save up a specific amount of money and it is not there. yes, that is, my husband and i are discussing this. that is , we understand that there will be something take place. and how many older seniors are 12 and nine. well, there is some funding from accumulative life insurance, which may go to education, that is, money. this is, in principle, there is, well, to say clearly that this is the goal. we don’t have such a goal. why not? because we can't really tell. and

what will be there? here i will tell you from my own experience. yes, it's interesting, there the wind is the wind in my head about the choice of up to 17 fluctuates. i had it there. yes, he was in a tough situation. there at the right time. it was in afghanistan. so there were only six universities and where they took them to the army, so i strictly knew where i would go, but since it is physics, the best university was chosen there, but thank god i had enough brains to go there. here in this case, that is , it happened to me, i can say there, well, both of them are there, here are the elder daughters. uh, such a situation that now uh daughter, which 18 she entered there. well, i think that this is one of the best universities, strange, but it turned out that this university is no longer a cake. as you know, here and there would be a center radically, there was a mistake. well, here i can that yes, no question. yes , of course you can, that's fine. the main thing is that not in 7 years. there was the profession

of a doctor, yes, and all that after six months, not only was the quality of education far from those ideals of standards that were drawn for themselves, but the profession itself turned out to be this very thing. well , unfortunately, it's in our coordinate system with my husband. we don't really want to be dogmatic. yes, in this sense of the child and unfortunately, uh, no, like that. well, that's it, here's 17 for you. now the tenth decision was made. here remained. this, unfortunately, doesn't work. as practice shows. yes, even my range. yes, age-wise, we understand that everything is changing so much that you constantly need to retrain yourself to get something somewhere, therefore, well, i just have several children of my daughter’s classmates there. well, how did you advise? yes, it helped me choose. here there are, there are several rules by which you should choose a university, the first most important rules. you don't have to treat it like life's work forever and so on. i tell you, you have already figured out what the first education you will receive will be,

because it will be one more education, at least. there, in the format of the most training and profession, there is a probability of almost 100%. and so on, when i talk about how to choose a taste. i say that, well , you roughly outline a circle for yourself. yes , that's about what i want to do. yes, faculties, there are not 20 all. yes, there, and you choose four or five, there and then the first thing you need will be able to. you look like information is submitted, because so that no one speaks about it. well, it's all nonsense. here we have something like this here, the site looks like a kolkhoz site from the nineties, but in fact, we have nothing like that. here, as subjects of information, the process of learning is going on. this is how it all works, and so on, and the second moment you read these texts all very carefully. and at least you don't get sick of what you read, because this set of words, these combinations of words. you will hear for at least four years very often here are two criteria. the first is how the information is presented, that is, what

the teacher has in people's heads. yes, that's why you should choose this one online, well, it should. here are the children, this is not what you should do for them here rather. well, such a skill, including the analysis of information, critical thinking, general worldview. here it is manifested, but it does not appear immediately, as it were, it does not immediately manifest itself in adults in many people. that is, it is a skill. well, that is, which must be directly trained. in my opinion. well well, i summarize our conversation, we can say that everything is in our hands, that we raise children in this way, and how we would like them to treat us in the future, but it’s impossible to ask children that you can’t force them to do only your own by our own example of attitude towards the older generation, we can show how it should be treated. well, what do you think, or rather, right? as you know, there is such a rule here. here it is in our family. like this. yes, if the child grows up, if you manage to raise and consent, and these are habits, and

you would count and save and visit, this is already the pinnacle of financial planning, so to speak, i think. those are the fruits, uh, they will not keep themselves waiting, including just that, even there, it is not necessary. there parents should be poor old age, but just see that your child is happy, that he does not need, that he has found. eh, he likes his business and knows how to manage money. don't litter. you are this. it's already worth a lot. it's already calm. thank you very much anna thank you, very interesting conversation. thank you hello, dear friends, in the crocodile magazine in 1979 such a joke was printed, a boy approaches his father for a new-haired one, who carelessly strums the guitar and asks dad. and what will you

be when you grow up gentlemen? this is the resurrection group. today i am 45 years old lord , look how you have grown and look at yourself, dear friends. i am convinced that my generation will now cling to the screens and let 's remember what happened, when the trees were big group resurrection and all the talk, then it's to blame that you're tired. what were you waiting for lost everything that he was looking for rose into the sky and fell, that the day will shut up life in a strange way. your home is not alone. and it's empty outside your window and the light freezes and sounds get wet and new

flies and more roads. and if your pain subsides, so there will be a new trouble. who is to blame, tell me, brother, the other is in love, one is a fool, the other is your enemy, something we are waiting for each other and live the same, well, up to the elbow. and the abomination of light and muddy sounds and new torment are looking for hands. and if your pain subsides, so

there will be a new trouble for the ladies there.

what is the secret that there is no grief and no happiness, without expressions of victories and is equal. good luck with the sword of wine, that you are alone and alone in life and so long and so boring. and you're still waiting for you to contact, don't die and the abomination light his hands, if your pain goes crazy there will be a new squirrel.

if now any belated to falling asleep child approached the tv destiny dad what was it? it's sunday, son, in 1979. these are the bells. it’s just that today they are number one in fashion, of course, as you probably guess, we came to each other’s houses and included each other in boca six-contact. you these forks with a tape recorder, of course, like creeping with battles. this is understandable. but sooner or later romanovsky's voice began to sound. it's the sea guy

who came and brought the burden. this sunday. now. tell me why you are so visible. and as it was seen from moscow, how the group became . sunday we played. mostly they played dances, basically all kinds of emus. the people were dancing, but, uh, they dared to play their songs, and i was surprised when it turned out that the guys stopped dancing, they came up to the speakers and start listening. well, first of all, alyosha sings like god. but the most important thing. he also writes. that is why everything you do for yourself is worth its weight in gold. i would say that on sunday this is a self-made group. it wasn't any producers. no one else in the world has ever been a music director. these people seemed to know what to do. or maybe you know, tell me, well, we will wear yours in our arms, even if you see and you will be silent, and there is a new one

. that's what. here 5 years. here is such. and after a while we will show now. another song in a minor key, which we literally really like, very expensive. just tell me who we'll see today sergei timofeev bass guitar. well, i give up, we know your timofeev comrades alexei korobkov on drums yuri smolyakov on the keys of happiness to you dima dibrov vocal fan no no, i'm the ear of the group