nothing, there is no eternal denis, i have already convinced myself in this life and the driver. e rene his partner klaus as you and i talked. they have their own vision of some kind against the background of these actions of movements. and i think that there will be something new and interesting, but at a new stage. i believe that despite the fact that the renerodzepi restaurant closes in 2024. uh, scandinavian cuisine, nordic cuisine, she's not going anywhere. she was popular and will remain and we will be happy to walk. e to these restaurants and emphasized by our latest culinary means the olympiad of the culinary golden bins, which passed here is the name. well, what are the results again denmark norway no? yes, and why hungary i will explain why? yes, because a few years ago, about five. yes, there or six, when they began to strive for the top, which made the government they are on the state. they didn’t support the chef’s story, they hired

someone who knows about asmus coffee, yes, we know, yes , who also works in a three-star restaurant in copenhagen , the only person in the world who has 300 gold medals bucks, and they are their coaches, just the same. uh, they hired such people who are powerfully versed in this part of the structure of the system in general and trained the people of hungary so bullets , guys, certain there, too, because their abortion is strong, it’s such an olympics , athletes have their own selection there, and they are guys who they can carry it further and not fall flat, that is, hungary has always been in the top for the last time, because they , as they say, sniffed, tied up with the guys, who are already in the tops a long time ago in norway has a powerful yuzovsky institute, and simply the fish institute, where they still study salmon, study its quality in general, and so on. they spend crazy money. after all , if the chef is taken to competitions, then at the state level they pay him a salary at the expense of this institute so that he prepares for competitions. the swede, for example

, the time before last, he spent 163 days to fully prepare a dish from a to z , and spend 163 days of his life on everyday training. from morning to evening. training in progress it probably starts there at 6:00 in the morning, because to prepare to start and finish, and then analyze what you did today in order to speak clearly. that's why the scandinavians are very heavily occupied. this bar, even france, was pushed aside, in my opinion, by the fifth or they are sixth. now the french this time were a girl. there was yours, and norway again, and the danes, emphasized that they bring every detail to the devil so well, that, well, it’s very expensive to look at lyuba and , accordingly, you can take an example from them. they but at the level of their inner mental , they live by this when they arrived, this is the first time in norway in a restaurant for me there, so the boss says, so today we will have important, traditional food there. so boiled potatoes. this is where you can see what is needed. i say, it's clear well, like potatoes, he says, always at times.

okay, boiled, says, serve. i say serve, i put all the potatoes in a bowl. hmm something empty. potatoes, also need butter in the krupchik. i cut myself there and sprinkled this thing. he comes in oh no, he says come on no urgent need to redo it. they didn't eat like that there 40 years ago. they want to see it now like this, because there grandmothers and grandfathers came from the scandinavian ones. and if i saw them now, on these potatoes, butter with dill, would be enough. yes, this one is simple, that is, you cannot step left or right. and this is what i remembered, that if you need to do this, then you need to do this. there is no need to invent anything from yourself there, where this is not necessary to do. listen , it's very cool that we had the opportunity to talk about this dada with you. cuisine, and in general nordic is popular, but few people know about it, they talk for a very long time. in fact, it is very good that we talked about this today. and i hope that we will have a chance to continue. here, today we are number one episode one today, yes, today episode one, wait, wait for the second. well,

vitalik and i say goodbye to you. it was a podcast for cooks on wheels. all the best, all the best, friends, until we meet again. bye. this is an easy money podcast, i'm its presenter mikhail khanov today i'm visiting. anna dengina expert of the national center for financial literacy, teacher, author of financial literacy programs for children and parents. hello anna , you know, i have four children, however, the youngest is now 15 years old. and it's probably too late to talk about the need to start financial literacy. well, i can share such a story, it is clear that there were no programs. then probably 15, there 20 years ago, especially there 30. here, i'm talking about older children. but when you take care of your money, you come to a lot.

intuitive, and uh, here i'll just tell you how we solved the problem. the kids had their own money. and moreover, practically right there almost from the first grade of the juniors, but, with which they were encouraged for successfully with these control tests , they successfully passed with excellent marks, only with excellent marks, that is, only fives were encouraged. you know, as in ancient greece, only winners get a gold medal, there are all fives, here. there is a small financial reward there, it is thousands or several thousand rubles, but nevertheless, at some point, when the house was already turning into some kind of cluttered fortress there. yes, these are all the small trinkets there, which are just right. it is known that children play with emotional toys, that any emotional toy there is much more happy, it brings something heaped up with a train or a designer. at some point , it occurred to me, a wonderful idea. i said guys. you have your own money to buy. he says, buy it, i say, buy it, and you just know how it cut off, yes, that is, they probably don’t need to look. here, probably coffee for something heavy. and that is intuitively.

this is the right move. yes, the absolutely right step is exactly the idea that arose in your head as a parent, that here is some kind of insight click, that something needs to be done differently and you are absolutely right to do it, because when children have their own financial resource, their brains also switch, and they begin to really understand what i can do. this is how i can do this, and it seems that you no longer need what parents can finance, but you need to think about something more serious there, maybe be, put it in a piggy bank and so on, so the step is absolutely accurate and cool that you caught this situation right on time and did so. well, it is no coincidence that in russia there was a fairy tale when a rich father sent his son to work. every time. there, thanks to that respect for the father, they just gave him money. he threw them out. remember the money, each time the son saw off with an indifferent look, and then he sent some distant village, where he plowed for this gold. there for a whole year there blood sweat and so on, and then when the father i was going to throw it away, but there is no dad. and this gold is very dear to me. yes, it remains how to start a conversation about money in general, in general,

for good, when a child already enters economic life. that is, he starts buying something. here he begins to want it for two and a half three years, if the child develops according to the norm. yes, that is, if this is the norm for a typical child, then it starts right early and right into economic life and you begin economic socialization at two and a half years. he can go shopping, he can choose. starts understand that if he wants something, then it may be something mandatory, what you need to buy, for example, for the whole family, but something is not necessary, that is, this story about needs, about desire, he has it here yes and you won’t believe it, here i am, on my empirical experience as a parent, yes, i went into this story of the financial development of children when we eldest was 9 months old. well, that is, it was quite a crumb. so it happened that, well, i was kind of on maternity leave and decided to do it. here is the financial education of children, finished her financial career in the bank. and so i decided that now, as children are my everything, so my house began to simply grow into various elements of the financial environment, because i began to teach other children.

there, for example, those who had the senior group in kindergarten, that is, six nine months, that now i’ll tell you, some kind of nipple appeared no, what kind of nipple appeared, for example, some piggy banks, i had several piggy banks, shells appeared, which i used it as material when i explained it to children. here, well, commodity day, yes, prokolovsky cowries, you can exchange and so on, that is, evolution, when we explain and the sea, the child began to interact with it. i started paying attention to it. i began to show him how to put money in a piggy bank, for example, then at some point he became interested in a wallet. well , that is, there is such a wallet there, yes, as it were, many parents from this. well, not for you. it's like cubes for adults. no, they didn’t attract him, he had a car, this story about the fact that various elements, and he drew attention to it. for me. it was important, and we began to interact with him. here we are with the wallet. he got acquainted with the cards. i slowly explained it all. naturally. you went to the store, and the store. here in this mode of broadcasting there with a list of what we will buy, let's look in the refrigerator, what

you need to put it in a cart. according to the list, he specially drew such a list with pictures where he could circle, and i directly have an evidence base. here is 2.5 years old my oldest child circles what he chooses now what we need to do is go to the store in the cart , put everything, unload it at the checkout, and so on. well, it causes a lot of emotions in everyone around, but in fact it works. these are such first questions a boy or a girl of some kind. not not who is faster, listen, it happens differently. well, because here we have a household, four children, yes, and there is also a girl, and she is now 9 years old, and she went into this topic. dad already why in the household? and, because these are children from my husband's first marriage. they. well, family, of course, i know the household, i call rather already professional slang. what? yes, well, well, according to observations. she went into it a little later, but it showed up very cool in such a business context. that is , it turned out that she directly made money on some of the needs that were laid bare with us. i needed

bull plates there. i got into bowls at some point. so i think, damn it, i want plates and ksenia just went to the potter. she made these plates, and we essentially sold them to us. yes , it was unexpected, because as she agreed from the series, she was like that. well, here i am i'll take it in advance from you there. well, we are such wow, but before, in general, i didn’t show much. here, in fact, now from the age of 6, when they are, as it were, very enterprising at the expense of the early years. i think including immersion. we don’t steal childhood from them, probably a common question, which is really often a question. i don't think so, and i'm often asked. that's good. you only talk about money. i say, no, of course, we really have some kind of dialogue about money every day in our lives. well, that is, we since there are many situations, this is you situations, of course, but there is always a little bit, but this is not something that i, as it were, instructively, i put him at the desk and say. come on, now we will have a lesson in financial literacy. i 'll really say something there. no. it's just such contexts, and i don't think i 'm taking away childhood. this is the ordinary life of an ordinary child who lives simply in the economic

reality, interacting with money from interacting with this space at this moment. here are 2 5 year old phrases from parents when leave the question buy we have no money. this is generally a taboo. i am not a supporter of what is there , that there is no taboo, you just need to explain to the child what you mean by the situation we have no money. well, because i caught myself, for example, thinking that i was also saying this phrase. but by that i mean not that i have no money. and what, for example, but there is no money in the wallet in cash, yes or money, for example, is not planned right now, these are additional purchases. yes and so, if you explain to a child the meaning behind with that phrase, when you say, when there is no money, this is quite normal for yourself. yes, especially for small children. this is all very important . please take a piece of paper and write down that we are actually starting to teach children. here, how is it? well, almost from the cradle. well, well, from two to three years old and all

situations. you need to beat here now, nothing is postponed for later, and the question is not what to refuse, but to explain why you do it and the children understand, of course, the children understand, well, i'll tell you an example again with our own how we entered the history of saving pocket money and so on. well, in general , it is recommended to start giving pocket money there in the range from five to eight years. we started a little earlier, but that was the situation , we had a ritual, we went with him. well, there, a couple of times a week after kindergarten, we go to the shopping center to buy cars, and at some point we come, and he says, mom, i don’t want a car there, i want a puppy patrol base, it costs a puppy patrol base, which costs 7,500 rubles . well, the child was not yet 3 years old. i say dear fine cool but base i will not buy you now. look how big it is, it will fit all your cars. she costs a lot of money. now i'm not ready to pay so much money. well, he's kind of like that. well, how upset i am. i say, but you and i can save there, what is saving, we can not buy cars, we will all put this money in a piggy bank. yes

, that's all, how you ended, the story is in the moment. we came home so that he agreed, yes, that is, he understood, well, how would i have it once there it is not clear when it is good, well, in any case, they will i bought a typewriter, yes, that is, i was left empty-handed. we came home, and we made a big piggy bank out of the box with our own hands. they painted everything there, pasted a base on it to remove her patrol, and i went in. that's where those same pocket money, yes, that is, i started giving him 200 rubles there. at the beginning of the week it was all so a little artificial. here i give you. well, because otherwise, he will forget him and now this story is not super updated. here, and for a long time we saved up, then i raised it there to 500 rubles. to save up quickly when i saw that interest was already being lost. well, after a while there a couple of months. he probably accumulated from him arose this amount of seven and a half thousand. we took it out of the piggy bank. we have added a tracker. that is, we wrote down what we put in the piggy bank there i told them. naturally, she helped him introduce all this there. here he got it. i say, well, class. you can buy a paw

patrol base, or you can not buy it, you can spend it on something else given a choice. yes, here she is. and here is the resource. yes, he chose chose the father. why didn’t we buy it from the patrol. he spent it on some of his toys, then some other ideas he had. but this is the very essence of what he accumulated, what he was able to do, what he was waiting for. it was very cool. and the money was coming. a piggy bank just after the passage of some time or for something was an additional motivation. this story was not. well , that is, it was just what we call pocket money, which is given unconditionally for weeks, and on fridays 200 rubles. then 500 rubles. it's just that's for sure money and now it also continues. it’s just that now he already has more interests in this, when it became clear, already a little older in age, that well, it seems that i want more , then we began to come up with some ideas, what else can be, well, already see how the labor income for this? yes, then i actively introduced a block just for children's financial

education, and i asked him to give it and you will pose for me like uh. well, how about as a photographer? i will take a picture and a 200 rubles. here's one right for the photo shoot, where i chose a few quality photos. i also added this to his piggy bank. well, as ideas, now he already has quite a few different ideas. now he even started such a small business of his own . so, well, i mean, it's evolving. dad understands this part. dad takes part, of course, but since dad is also yes, there is a financial market financier and he is also very interested in this whole story with children. he comes up with different contexts too. for example, now, uh, yes, he is not very fond of gymnastics. well, just so professional, yes, that is, he's coming out to the competition already. here he is 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. well, that's how he filled up. actually now for 4,000 piggy bank of his dream. he's saving up straight a lot of 42.000 for

an atv. and he has a little left. in general, here is such, in principle, a good question from the language, has there been a situation? you know how? well, in general, it happens, probably, to everyone 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. i'm more like in our family, and the topic is more of an accountant who likes to calculate here . planning for a shorter term, my husband is a strategist. here he sits down once a year and draws an excel table with our budget. yes, let 's see, as it were, what is the strategic savings rate we have this year it turns out, that's all, and more to this we do not sit down norms. maybe savings. you are even my difficult audience. now it will go into the bag. we can postpone. 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 what happens when, nevertheless, in this situations when well, there is one of the parents, let it be the mother in this case, that is , she goes strict something control 500 rubles. and here comes. dad with mouth. as he says, well, son, you are done, you will support 20. here 's 2,000 rubles for you, and the child gets because of these 500 rubles a month. better. i will pull up. papa walk. well, this is really very vital. yes, and it happens in different ways and i manifest myself differently 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? come on out of your budget. me, too, these 2.000. and i'm like he 's not there for me. yes? well, in general, i asked him to finance these 4,000 rubles. well, because it's really in my personal budget, like, well, this spontaneous is some kind of story. here it is necessary to negotiate, of course, it is necessary at some point to clarify certain rules with grandmothers. this is often the case too. they just like to finance something. there's

some money to give for something. what's an envelope, huh? what is unacceptable, for example, in the family, that's why it is necessary to discuss, of course, it is necessary agree. and it doesn’t just happen, because my grandmothers are offended, maybe the transition or you have switched or you advise from the cash form of the non-cash excellent question i am a supporter of the fact that the card should be driven at nine or eight years old, that is, when the child is already sufficiently formed . neural connections and he understands, including some responsibility for the fact that this is a financial product. yes, she's personal. besides, he's great at it. well, learn to count. and this is the feeling of texture. yes, money is a commodity which can be exchanged, that they can be examined banknotes. there geography is a must. 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 invoice on personal 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 certain commodity for

which you can buy any other goods is very important. this is an easy money podcast, i am its host mikhail khanov today we are talking about financial education of children, parents control the card account. i recommend that you know that there should be such flexible control, that is, it’s interesting what happens with the child in his interaction with money, but if you have already given him this money and it is his property there, in fact climb into it and clearly speak about it don't spend on it . but it's kind of wrong as far as bank card control is concerned, here, uh, up to 14 years of a bank card. in any case , it is tied to the parent's account and the parents one way or another otherwise operational. maybe another question is he does it or not? i'll check now. 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 a dialogue, yes, and here is the ability to talk about money in general, but to convey the idea that you don’t need to spend stopudovo on this at all, or you did a bad job on this one. it seems to me that wrong because it's the corners of the budgets. they must do it. if given from what age i always recommend that as soon as a child appears in his money should appear. cashback, well, that is, conditionally , a notebook with six, yes, there is up to 6.000-7 years of this, of course, it can be just a piece of paper, yes, it can be some kind of financial nickname. now there is quite a lot of such a texture, it can be a notebook that he made himself, you drew it there graph yes and so on, but it structures very well. generally the brain that the money came. and here they are spent on it, yes, and so on. well , in fact, it forms a habit somehow as an entrepreneurial skill or, after all, entrepreneurship. these are some i don’t know how god’s gifts of the spark of entrepreneurship are an inclination predisposition, because not

every child. sees the gestures will become an entrepreneur. does that help or is that aside, you know, i feel like i'm out of sarc right now. i understand perfectly. and it seems to me that this is a little really different skills. and this one here is the ability to fix. this is bigger about some accounting tools, which then, if a child has developed this, well, creative. the potential of this tool will also help. actually , the question is this, this is, uh, routine, the introduction 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 right, you have to sit right there and write the accounting. tra-ta-ta. that's it, that's it of course it will kill. yes, that's why it is necessary for children to bring this element of the game to paint creativity there. something like that, in general, yes, it is a tool that the main thing is not to turn into a goal and itself from a goal.

this is just one of the tools that helps adults understand that this is not an end in itself, in principle, yes, that is, it is a tool that allows. there's a better move to financial. goals and so on. and in children. same story. they must learn how to operate this instrument in childhood, when they run out of pocket money. good questions. again , it seems to me that each family needs to understand differently here that again there is some official history of the child. he 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 kind of minimum yes, and then we understand that there is more some human norm, there and so on, when parents, well, anyway, throughout the formation of a child, even if he is no longer a child, but somehow helps him. here the question is this coverage. uh, let's just say the cost of existence, or is it just pocket money, that is, after 18. here's what you think,

this is the closure of needs, and then i listen, dear. well, if you want you to have money, please, they work like this, that is, if we call the money that we give conditionally to the child as pockets of money. we want all of its such basic part to be covered by some kind of money, which we, for example, will call parental base, that is, for his needs, then pocket money, however, should end. exactly before the age of 18, or even earlier, yes, that is, well, for example, my parental goal is that they will end somewhere at 14 for sure, because for example, my life path. yes, and my financial maturation was about the fact that at 14:00 i started to earn money myself and i did not have any essence. that's a la pockets of money, i wanted to work as an aerobics trainer for young children. it was my first part-time job, and then i worked in a store. yes, and some combined in the evening. yeah well, i m. i've been training. i had a lot of time. here is the gym your occupation. yes, but it's not like it's taken out of context

. then, during the holidays, i worked part-time, for example, as a salesman in a stationery store . well, i have some of those. yes, the story was your personal desire, or it was a help to your parents. i question things. yes, yes, there was enough money in the family and my parents were not provoked. these earn me. and solnechnogorsk is moscow region. well, i had a personal desire. yours is to get out, as if in such financial independence that you don’t remember coming. 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,

then i had a fairly standard story. well, that is, i graduated from school in the context of earning money. you continued to earn. yes, yes, of course, my parents helped me for a while. and well, this is the feeling that you yourself are doing something and earning money a day for me was very important in the first year. i worked, right now with a work book officially. yes, the situation is reversed. here you slipped. eh, should 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 should not 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 it and participate in some kind of charitable

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 it in such a way as to press in this direction and speak. that's where you have to help. this is the one, because it’s the way it is, rather not, because it doesn’t respond to me myself. this is an idea, yes, that is, i want him to either understand, thanks to the culture of education, that this is good. what is the correct one on some examples that he saw, if he considers that this is good and correct? yes, but so that directly to 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. yes, here is a weekly apartment, 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 is what already brings the child into an official part-time job opportunity. well, it seems to me that it’s cool if he directly tries and

thinks about it on his wishlist earning yourself is good when the shoes have a financier. he would support this story , support this ideology, and the theory of the pope, at least does not interfere, but with some kind of stuffing. well, or, on the contrary, he says, something to grout this nonsense, waste time here, it’s not clear what the child will be left there for, don’t spoil his life. let him play. and what to do when one of the seen, and as i understand it, what often happens? it could be the father, too. yes, there mom is everything. and what to do, how to actually communicate with parents with each other to understand that the question is more in psychology, but nevertheless it is in psychology. that's exactly financial education. and any there is there the right words or techniques. 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. this is true, probably not a very rewarding job, because, well, we are already adults, in principle, and it is difficult. yes, there, probably to convince.

if someone doesn't want to do something. here you can just do some of your own. yes , there is a demonstration of what, for example, is obtained by some kind of stories by some kind of discussion. but if i, as a mother , are honored to do this there. yes, i study there, for example, there, starting to buy some books there to organize the environment around. this is just to demonstrate. what to watch, as it were, well, they did this here. yes, of course, of course, you know a lot in the practice of such examples, when this is more connected with adult family finances, when there the wife understands, all of a sudden, that it is necessary to take care of the budget there somehow to plan, and the husband is so gay, there, i earn money. in general, i'm not interested in anything else, or vice versa. no, it's not interesting, it's nonsense. the main thing is that he does not interfere. you understand, i understand, because very often someone from a married couple begins to organize processes, and some results are obtained. well , for example, there, on the topic of tax deductions, for example, it’s very good. we can get together. yes? here it is for me too. yes, there, for example, current history. so some joint contexts are taking place,

which are slowly starting more dialogues. yes, as it were, more than some thoughts, the same is true with children, but now it’s just the general culture, yes, and the informational background. that's what people began to discuss more, yes, it comes. this is taboo, yes, that you can’t directly say about it, that it’s somehow embarrassing there, or that’s all. the question of investment yes, in its purest form, that is, money is not just like but some kind of a material goal, and money as money, as a tool in the future, when it enters the child's brain, when it can begin, uh, try to lay a child's head, for example, with us. yes, there are already gazprom shares bought on separate brokerage accounts. and yes. it was fun. yes, okay natural process. now i will 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 suddenly the pipe explodes. there gazprom dreams come true. yes, they are all my sister went to the older guys, so with this everyone was collecting sweets on foot at some point , then he remembered him and such mom and what is gazprom well, from this stitch she told him she showed him a video, i found some video where it’s just beautiful shows that there are workers, what are they doing? yes, why is all this necessary? who look, can you buy some of this company? well, that is, you can buy a little bit of it 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 show 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 what is this green thing happened while we were buying it. it grew a little in a glass. i say, well, this is already a little bit of a share grown. if we

sell them right now. it is clear that we will not comment on taxes. here, and now we are with him, and now for gazprom, plus here is the portfolio as a whole, here, to which we have added some more moment to sberbank. that 's a small plus. and we are looking at it throughout. well, once a week we go, and we started at the beginning of this year, 23. well , it's good here that in mcgr start earlier. i just had a question, how would you explain when the minus i will definitely wait for the minus and discuss it contextually, well , we just went into practice, yes, that is, in this age, it is difficult, probably, to explain that it will someday grow there, that's all. so we went into empirical practice now regularly. yes, we go in there, we buy something, we look, in general, if 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 ’s going on in my piggy bank is yes, but it’s early, really, it’s early. this is my kind of experiment. yes, and based on

this experiment, i can definitely reliably to say that it's too early like that you don't need such a big goal. uh, righteous beautiful and definitely useful as an education. eh, who should pay for it the child himself to save or give birth, or it seems to me the parents. and if we are talking about higher education? yes, if we are just about everything, this is what is located 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. yes, in my system of coordinates, this is still financed by parents, yes, that is, i understand that parents do not always have the opportunity to do this and then can come into play. there is an educational loan, for example, which a child will take. maybe not a child, but a teenager, for example, and almost a personal question. 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 this whole story. there with one of the older children of daughters, when they drew me a plan. yes, there suddenly in the tenth grade the university was changed, i now faced the fact that there are no children who need the use with this one, which they need. there they are not very good. we are like dad, so don't worry, now we have such a plan , i'm in the top 10, here, and there it's a 50% discount, then the top five there it's, well, a little in a year we switch to free and everything now happy and glad great plan. just great. right now, uh, the first session was over with, uh, two triples. papa said so. how so? yes, well, then there is, what is the point of paying for triples. yes, i say, you can do whatever you want now, well, on a budget, yes, here for money, that is, the meaning of a watch for money is bad. no, it's just a mistake, an accident and so on, but in the summer everything will change. in the summer there were threes and twos

for a period. well, in general, so on. well, here , another mechanism worked there, and there were two transfers for the second year, and you know how, your dad will understand me. and i said, we fix the torture, yeah, here's a review for them. i withdrew the money for the second semester. here's to a child most didn't talk there until now it's a resentment, but then she took out a student loan. and uh, through the floor, she graduated with 1/4 was, they say, she graduated with honors, and i was reinstated there as the best dad. but this lesson has gone, that is, well, cool. this is a very cool situation, yes financial development and ready-made answers. i don't think it's here, because it all depends. it really depends on how events develop and how the participants in these events show their investments. i understand correctly that this is a non-refundable investment. here we are again you said that this is an irrevocable investment. this is actually. here you determine for yourself that comfort zone with yourself psychology. in what way, how much do you invest in a child? not expecting anything

exactly, is that how it works? what 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 are the financial goals of education, the shadows that we are directly saving 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 old are seniors 12 and nine? here there is some funding from endowment life insurance, which may go to education. that is, in principle, there is money. well, it’s clear to say directly 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? that's what they kind of want, i 'll tell you from my own experience, i wonder if there 's a wind in my head about choosing up to 17 years. i had it there. yes, he was in a tough situation. there at the right time. this was in afghanistan so there were only six universities and where did they take the army, so i