everyone wants to earn passive income. yes , this is literally every person’s dream. we have passive income in our country. they hit it in the head. tell me please, is there a formula? there is definitely a formula for how to become a rich person; by studying it, any person can achieve a very good financial result; there is some story when a person, well, practically from scratch, began his path to wealth and really became a rich person. well, by the standards of let’s say the average russian, then we’ll come to this figure. well, here's some example. today i often i say that i am one of my best examples, because i myself started from scratch as a mother on maternity leave in 2012, when my allowance was 15,000 rubles. by studying the financial literacy formulas that we will talk to you about today and the elements of each formula, my life has changed dramatically, so i can share my story, because i definitely have something to share. well , also give examples of other people i know from the business sector. world

once upon a time , a book about fyodor ovchinnikov made an incredible impression on me when an ordinary guy from syktyvkar simply began to think about something global without even understanding what my example is about. i just once started with simple steps, thinking about, can i earn twice as much? where did you start? now, is there any literature, what to read, where to start, in general, i can share what i started with, the very first book i read. it was poor rich dad, robert kiyosaki's dad, everything was very simple in fact, and after reading it from me there was a very clear conviction that there was some other scenario. that is, i realized that maybe everything he writes about is not applicable in russia, but it was the approaches, views, and worldview that really surprised me, because in my circle no one thought like that about investments, cash flow, planning. that is, i didn’t even know a phrase of such words, although i had two higher educations and many things, huh? education

: english history teacher, i graduated from university with this specialty and the second one is already northern arctic university. this is financial management. that is, in principle, there was education, but in the plane that i read about, but we were all about the enterprise; i was the commercial director of a large manufacturing enterprise, specifically about launching a line of new projects. and here i saw some earthly steps for a physical person for an ordinary person. and this book made me think a lot. what is happening in my life? what is my financial result? and, of course, he did not please me at all, because there were loans are such an average life , mortgage, car loan. well, life from paycheck to paycheck. how to start thinking like a rich person? here's the first step: what? here's a short summary of the books you've read. let's share this secret with the audience who will write it down. probably the very first thought that struck me was that there is another scenario. well, that is another thing, what i mean is not work from home or from paycheck to paycheck, but plans. your income planning passive income

planning sources passive income is when a person has some kind of capital, for example, a property, a simple apartment, that is rented out and generates income, that is, the person does not actively work. yes, full time, his money works. he sleeps money and works so that they can start working. all the same, some kind of body movements and, moreover, a conclusion. it is necessary to apply unconditionally, in general, this is the way this happens in the same formula. first step. yes, you must understand that nothing without your desire for some kind of action is possible. will change. well, certainly at the heart of the worldview. i think there are two important points. the first is how you generally think about money, what you think, and there may be limiting beliefs that can get in the way. just to even see the possibilities. well, for example, what are limiting beliefs that can prevent you from seeing opportunities, for example, here i am, like a mother in how could i have thought

, i read a book and decided that this is not in russia, it’s somewhere far away and uh, there a man needs start-up capital , which i don't have. and what kind of investor am i? i'm a mother with two children and i don't even have a chance. this is not for me. these are some kind of fairy tales, a clear example of limiting beliefs. these are limiting beliefs. you know, we did 10 sit-ups, one push-up, and i was very impressed by the story that there is another way, and i started looking further to read and it took me about six months to start, to take the first step, because it was just this faith there wasn’t and people around didn’t add this faith. they told me that this one is some kind of nonsense with whom i shared with shining eyes some investor. there you are, a mother on maternity leave, you have such a cool position. i really was in a major leadership position. people told me they dream. and you, uh, want some kind of nonsense. there was the first step in six months, and

the first step in six months. i have matured to the first step of the formula - this is to pay myself 10% from each receipt of money that came to my spouse. well, this is not the first step, maybe the form itself, but this is one of the elements of paying yourself 10%. here is this one in more detail now. see when to a person money comes in. the average person usually makes immediate payments on bills, utility bills, and loan obligations. that is, he immediately gives. e in the organization to other people all that he owes and in order to start saving something, as one of the elements of the formula, it is necessary that something remains and usually at the end of the month nothing remains with an ordinary person. and pay yourself this when any income arrives, salary, advance, cash gift , anything. you take some piece 10-15-30%, that is good. i took, let's say, let it not be 30 here, i took this piece, i'm starting.

pay like you said to the budget and you understand that i’m missing what i’m doing. i’m reporting these 10 back or what’s the biggest obstacle for me, because i just couldn’t convince myself to start doing it for six months. this step is precisely from this position. that is, i thought that when i started doing this action. i won't have enough. well, that is, the way we live from paycheck to paycheck. but this is just about worldview. and when i finally came to an agreement with myself, realizing that there was no prospect then, and having taken this step, i suddenly saw that we had enough. well, of course, there are tools that are enough to survive a month without any expenses, which it turned out that they are not very necessary, i understand correctly, well, among the main tools for me. it was smart savings. that is, i initially did not have the principle of infringing myself ; smart saving is when you can use, uh, eco methods, when you can buy the same thing for less money, for example , children's clothing via the internet. i started buying. that is, i began to study a lot in terms of financial literacy. in order for smart savings to appear as soon as you

take this 10% and set aside that very thing, i understand that the most important thing is, let’s write it down now. the most important thing is to understand that all this money is not there. we forgot about them , there is this amount. this is how she will kindly, dear, fit exactly into this budget. i understand correctly. so. well, here, of course, there is a certain willpower, because that many people fall into the trap, that they remember that they have this 10% and they count on it, that is, the most important thing, and then we write down point number one any receipt of finances into the budget. we just took and discarded 10%. and they forgot about them and we live with the remaining amount, as with the budget that we have, as a given, and more and more money. we never have and no matter what happens. and if suddenly unforeseen circumstances arise, there is an illness or emergency dental surgery. what are we doing? we use this 10% or not, so to speak, which is, of course, ideal. no, but the situation is very different, if

the situation is extreme and indeed, we do not see any other possibility; ideally we need to work it out. and what options are there so as not to resort to fitting into this budget and not spending to limit yourself in anything? but leaving this 10% untouchable is a very simple option to share your story. me at the beginning of the journey. still, there was a very big temptation; i had rollbacks several times. i looked into this wallet. taking something from there, telling myself that i will definitely put it in. well next time neither this never happened. and when i began to think more about goal setting, i took a further step, when i already understood why i was doing this 10% and where i was aiming, but i continued to develop. i continued to study financial literacy, and at that moment , goal-setting and vision of life became key for me. that is, in general, what do i want from life, how to live it? what financial goals to achieve? and if i have a goal to change? exactly,

because we had a very small two-room apartment, yes travel yes goals, and then you weigh on the scales, of course, if it is an extreme case, as you say , a disease, then perhaps no scales are comparable. you will give everything, but if a person is faced with situations where she wants new boots, for example, then the scales are very serious. your goal, which you are going to or new boots. but this is an example of just such an emotional purchase, so it is very important to weigh it here. and of course, so that it is easy to form. this captain is the first one from whom we are starting. it is very important to have a goal, because there will be an incredible amount of temptation. i understand correctly that it turns out that the first way to wealth is to start creating. this is wealth. this is how you get income automatically, because we come to something completely unique. and the definition is that with the fact that we take 10% and separate them, we forget about them. we automatically get a situation when our moves exceed our expenses, we can call this

the first step of wealth. so now we have a good understanding of what we are doing with the budget. let's say we made goal setting. we have determined the budget. we manage it, we optimize it, we think about how we can earn more. let's go back to this part. yes, this is what we have put aside with her, what we are doing, and with this part we definitely need to build our own plan. the first thing we need to do is to understand the goal we want to achieve, if the goal of passive income is one task, if a person has a goal, for example, to complete large financial goals only, well, that is, for example, he is actively working. he needs to be given, for example, a start in life children. this is to give an education to a child, maybe a start in the form of housing. this could be some kind of retirement capital. a person has changed his apartment, upgraded his car. everyone has a major financial goal. at least the basic ones that i outlined, someone puts more global passive income. well, that is , he understands that his expenses are equal to

a certain amount and person. i would like to generate income from passive instruments so that they cover his expenses, so as not to be dependent on the source of income from his active work for hire, for example or entrepreneurial activity, so, of course, the work with goal setting begins first. goals were defined. let ’s say it’s in our budget, or rather in our lives. yes, life is so boring. it turns out that we are living? yes, we write scripts all the time for him, without this there is no way to become rich. i mean, it's legacy now. somehow, uh, or only in fairy tales, it turns out. i am sure that in our lives we can meet people who received an inheritance or won the lottery, but the statistics are inexorable, and it suggests that most of them lose what came unexpectedly. and what came, we somehow return to the forms, which means we write formulas. here you and i have 10%,

which we set aside, just as the ships maneuvered and maneuvered, but never caught. here's what we need to do to ensure that our ships catch, pick up tools based on value. this is the implementation period and the amount, respectively, when we understand why we are doing this . we need to select this 10%. e your plan make a plan tools. this is for example bank deposit, shares, bonds, that is, money must work, because if we take 10% and put it under the pillow, then our inflation, which with us or without us every year, the real level of inflation and the official one, it eats up purchasing power, purchasing power , i’ll tell you right away what it is. this is when at the beginning of the year for example, 1,000 rubles. we could buy one set of goods or services at the end of the year. we can buy the same thing for 1,000,200, for example, we are trying to figure it out ourselves. collect instruments for investment, as you said, yes, there are some shares there, deposits

, federal loan bonds, to give debt to the state, and so on. or we involve someone else, i don’t know, financial consultants for these purposes. i can tell you with my own example. this will probably be the easiest way when i start saving 10% unconditionally. i already knew about inflation purchasing power, so for a very small amount. it was really cheap for me, because i remember that it took me several months to create 30,000. well then that 10% turned into 30,000. i started using a bank deposit or just an account with interest on the balance. well, that is, so that even my penny sums can start to at least earn something else and somehow work off purchasing power. it was a bank. here, i mean, this is what happened, the same increase for the sake of which you took this step of 500 rubles. 1,000 per year how much per year i did not count 10% of our income then with my husband at that time. it was probably about 8,000 rubles. in the month that we just started initially to form and it was, of course,

pennies. and you know me, by the way, i was also inspired to take this step, and some information on the internet came across the topic of compound interest somehow. before that, i didn’t even realize that a thousand or two years ago there was a table where 1.02-5.000 rubles were spent. that something can grow from them and everything was calculated precisely due to the fact that when interest is on interest, well , that is, let’s explain to our audience. this is when you have good income, for example, you don’t take it from the deposit, but leave it in the account, and so your starting amount increases by the cash increase you earned during the year. that is, these are years, that is, it turns out to become rich in a year in two in three days. that is, after all, these are years, how long it takes to become rich. well, we don’t count on an inheritance or a miracle; a huge amount has been spent. in experiments on this topic, ah and the average period is 7 years, when a person starts from scratch in 7 years. he can become a very wealthy security. what is

wealth for russia? what is it? wealth for russia wealth is a subjective concept, but its main criterion is an excess of funds, that is, a person has more money than his current expenses, but in my understanding, wealth, if you dig to the end, is when a person also has capital multiple sources of income , and he can provide his basic needs with passive income; his basic needs are zero; the capital will be 10,000 rubles. a month will be enough for all my bases. i will live like they are in a barrel, but of course these are extremes. no i'm talking about achievement russians. let's try to change the car for a large financial purpose, he can travel. that is, he has more money than there twice a year at least twice a year regularly. he can walk around, and if the desire arises, he can buy something and renovate his home. he can implement these tasks without loans and debts are resolved

in 7 years, starting with the starting capital set aside monthly, 8-10,000 rubles. in my case, this happened after about 3 years, when i already saw a clear result, that is, after 3 years. we were able buy a three-room apartment, without a mortgage. for us there was no, then i lived in the region. it was the city, arkhangelsk, that started. i was there then, and then it cost 4 million rubles. but no mortgage for us. it was such a great achievement, 3 years later, we earned money by saving 8-10,000 a month. well, successful in investing them. this was the beginning. yes, there was a task to increase income, create new sources of income, of course, income growth, all these 3 years. he's growing, that is, you didn't take him away. there’s nothing here, in fact, your percentage was exactly, thus complex, that is. yes, all the income, as soon as they appeared. you reinvested, that is, you invested back into those, uh, new instruments you created, that is , starting with the most basic bank deposit

about instruments, instruments are those, well, rephrasing the opportunities there. that is, with the help of what you can do, so that money works, the simplest tool is a bank deposit. we started. you started with him. i've been with him for a year, a month, three, how much for what period of a year, three at once, no, three. i i have never opened a bank deposit. i always kept on a bank deposit an amount no more than three months of our expenses, everything on top i always invested, that is , first there was a period of accumulation, and then there was an amount that was more than three months of expenses, like a safety cushion. i sent it to different instruments and started with the stock market. it was a just a selection of bond stocks. this was already in 2013, that is, at the end of 2012. i began to develop in this direction and in 2013 we started with elastic already to invest in 2014. and you know, i felt great,

because by that time i already had a whole set of tools and what was happening on the stock market. let's do this specifically. we specifically talk to our people about the formula, that is, how did you start on the uh, stock market on the stock market? i have the very first instrument it was and there were pivfs. it was the simplest and most understandable fund. that is, you chose a professional manager of a company that invested in certain industries. i'll just explain for personal reasons audience. what is a mutual fund when a manager chooses a certain industry? let ’s say, high technology medicine is something else there. that is, what is that there? e shops? yes, i understand, yes, yes, and what kind of income did it bring you in the thirteenth year. it was a very good income. about 38%, then the mutual fund that i chose, i was even shocked by such an income in relation to conservative instruments. where, for example, we take a bank deposit or bonds and the fourteenth year has come and

retail shares have not sank, but there was a period when they sank, but the management of this mutual fund was very competent, and it was not very long-term, because all of the month was three five six months of three months. i don’t remember in detail, but this situation lasted for less than six months, because after all, it was the consumer sector. we always want to eat. uh, people want to buy medicine if they're sick, and by this time, i already had investment property, because in parallel with the stock market. i began to study more instruments. and just in the thirteenth year on the verge of a crisis. we still started investing the money that you had in fifa, you now have it. the opportunity to invest in real estate, is it a mortgage or what? of course, i always invest with mortgage leverage. she has been investing in real estate for many years. there, the main task at the start was to find liquid objects in

good locations. i started in residential real estate. these were very small studios in st. petersburg in the suburbs of even st. petersburg, where the key task was a minimum contribution of about 200-250,000 rubles. this is approximately 15% of the cost of objects own capital for the rest we chose a mortgage. i had a key hypothesis that from one property. i can earn a million pure rubles and for this i need percentages in absolute values; for me then the absolute value was very clear. yes, because i came up with my own formula and strategy. what should an object be like in order for it to grow by 1 million rubles in one and a half to two years? and this was the case in 2015 , when there was a crisis. i downloaded it and at the moment when i was planning to exit the transaction, the object did not increase by the required amount, it was about the same. no. yes there is always not a single object in my life that i would buy so that it would fall in price. i'm

very much uh real estate. this is my greatest love for a very long time and still does not fall and still does not fall at the moment. i am very active in the real estate market and at any historical moment you can select an object that has growth prospects the only question is what kind of global growth happens not very much, but growth is always the maximum period for which you plan your investments, for example in real estate, and in average transaction cycle. one and a half to two years of real estate is if we are talking about the primary market, but there are strategies. when on average you add something for six months, let’s say you do some repairs or some kind of paperwork or just as it is. yes, that is, you bought there at the stage of the pit there. where is the strategy at the stage of only project a and that’s all and do nothing else. i have very different ones like you suggest, a very simple strategy, i bought it on the foundation pit as cheaply as possible, but understanding that this location will develop

roads to be built, social sphere, i always collect insider information, that is, hmm it works. sometimes choosing an object takes from 2 weeks to 2 months, when you analyze and compare the indicator , because my task is that for every ruble invested i get maximum time for our audience. what is the key to wealth is also information and yet it is absolutely impossible passively. yes, you invested something a and it grows on its own. it doesn't happen that way. yes, it’s still work. this is working with information. it's true. anyway. i think definitely not. and this working with information that ultimately leads to the fact that you not only feel, but do you see how your object will grow? and 3-5 minutes to look at the information that is already being collected for me today and offered to me for comparison, for example, they will look at 100 objects , of which they will select three and prepare three for me. and i've been there for 3-5 minutes enough to already

say. which object exactly is the team of analysts already working on? these are companies on your staff or as freelancers, my direct assistants who collect this information and monitor, a there is an agency that interacts with me; there are simply developers who are already sending this information, as we interact a lot. how long did you go to achieve this, so that in 5 minutes, uh, look at the object. this is an easy money podcast, i’m its host, mikhail khanov. today we are talking with tatyana volkova, a certified financial consultant of the project vasha finance.rf, the ministry of finance of the russian federation can say that now it’s not even investments, but investments in real estate - this is your main occupation. this is your main application of your analytical abilities, investment analysis and so on. this is a large share that said that 80-90 60% is probably the correct

figure, the remaining 40 are the stock market and the crypto market. what part of your investments in your portfolio can already be, so to speak, in the stock market. about 20%, probably, but in general yes, very conservatively, i am more impressed with real estate. well then, let’s return, after all, to the formula of wealth and success. still, i would like to bring out some general ones uh, elements of this very formula. so the first one actually. here, in my opinion, the most important life hack is simply take a zero solution of 10% and inform and do not touch it during any tests, then you start with the simplest tools, and bank, and immediately yes, here is the first ten percent of the bank deposit. and some, let’s say, i don’t know, federal loan bonds. that is, this is the same one. well, in the west they call it vanilla investment, vanilla, it’s a general taste. that is, they are practically risk-free. yes every ice cream there is

initially vanilla, and then it starts adding strawberries, cherries, and so on. here is the most risk-free simple sleepless one. there the product is called vanilla invest, but in our case, these are bank deposits and federal loan bonds. then you and i went through this first step, the next path in our formula is that we immediately lay down in advance that nothing will happen, right away, not in a month or in three psychologically. we set a period of seven years or 10. let’s talk right away, if we talk about some global results, when capital is already credited in tens of millions of rubles, then at the very beginning of the journey. then three years is enough for three years after which we will get some tangible result, if we do not remain only on the bank deposit and ours. uh, look at the form, either wealth and y our formula after we have mastered elementary here is called uh, instruments fixed income fixed income. where do you know how much you will receive, both from

a deposit and from a bond. you have never know how much you will get in the stock market. how much will it cost and more or less, but you always know how much you will receive from a bank deposit, well, if the bank does not go bankrupt, or from the state, but if from the state it is not full. may they not default on their obligations. here's how to add those extra ingredients here. yes, to make our dish more spicy, not vanilla. i believe we only have three levers. and now i’m ready to tell you about them, how i did it. i the most important lever is, of course, income, because if we talk about consumption, then consumption is not infinite. we cannot, as you said , turn our expenses to zero; in order to help ourselves, it is very important to constantly work on a source of income, raise it and ask a question. how can i earn more. if this job is for hire, then it’s elementary to approach and ask a question, as an employer, how can i earn more , take on the responsibilities of some additional work , then it’s about choice, if we are not satisfied,

and we understand that we will not achieve our goals ; change employer. increase the scope of the profession qualification. in this case, you are also working with investment capital. but in this case, you yourself are the investment capital, that is, you definitely need to consider yourself. yes, as investment capital - this is already for our audience and i don’t know how to develop my own there, for some it’s their hands, for others it’s the ability to make some kind of things out of wood or metal. either you work with your head, or with your tongue. as they say about acceleration , lie on the sofa, let’s write it down, that is, on the sofa, you can’t lie on the sofa it’s better to sell sitting at the table. yes, and something to write or read or improve, in fact, the quality of your own means of production. these are the hands, your body, a and the head. yes, from here, it’s probably still the same. you need to look after your health so that your means of production do not waste energy beyond psychology. this all affects the capital that we will ultimately create . the second lever is expenses.

you can still work with him. this is smart saving a little bit. i already said about it, that is, free up 20-30% of expenses without loss quality of life too you can, for example, by planning purchases for the next six months to a year. to order online to wait to save the amount to study smart ways of cashback, for example, the first years by studying cashback. my husband and i flew for 100-150,000 a year, sometimes at our own expense. and the cashback that we received from the bank by simply paying with cards, yes question: how can i buy cheaper studies, and discounts, subsidies and grants? well, that is a very big secret. it works by optimizing your costs, but it’s work. you know with time i was led to the fact that smart economics is now catching up with me, that is, at the beginning i studied it and implemented it. but now i don’t spend time listening to it all the time. or you can do it this way. cheaper and easier. well, when we interact with some organizations or buy offers for something, the brain itself has already

set a filter to receive this information. you are clarifying it. this, of course, is just everywhere. and the third lever is tools. and when i talk about tools, when we have already gone through bank deposit bonds. for money to work, the key idea is to definitely outpace inflation. this is always a higher level of risk, of course, to reduce the risk you need to work, you need to study information, because going to the real estate market, the crypto market or the stock market of high-risk instruments without knowledge. i think this is utopia and part of the savings we make. i believe that you need to pronounce yourself. if you pay to study or spend time and collect information. in fact, information on the internet it’s enough that it never brings you pleasure, what are you doing, your husband, looking at your success, successful, enter this word, he changed his field of activity and began to study. in the same way he helps you

or he stayed there, what he does is just pure curiosity. what is happening in the banking sector. and although i didn’t know anything about investment instruments, he had a completely different division. well, of course. of course, this is my most important partner. and i shared every idea i was at home i studied the information. he was at work. of course, this has been a family business for a long time, and he is my key partner, such a question. uh, well , even more, probably, as part of this most wonderful formula of ours. we have already come to terms with the fact that these are years, yes, at least at the beginning of 3 years, then it’s seven and 10. yes, you can’t become, uh, rich. it’s just that tomorrow, and denying yourself some small pleasures of spontaneous purchases. yes, we told you that our brain is the key means of production. yes, you are the one don’t destroy your means of production when you constantly deny him some pleasures, how to work with it. i believe that one cannot

constantly deny the pleasure of my decision, which i learned at the very beginning of the journey to plan expenses, and pleasure is added to the expenses that this is a certain percentage, of course, spontaneously, and at the beginning of the journey. it was a small percentage, but some satisfaction. everything should be 5% of our year according to plan. come on, look, it all depends on the stage, when i was at the very beginning of the journey, when you have zero in your pocket, even minus, because mortgage, car loan and so on. then it’s true that you should deny yourself something, whether it’s worth thinking about it or choosing a goal, but of course, moving along this path , you will gradually have wealth and you can afford more pleasure, more travel, there are restaurants, cafes and the same not forever. this was some kind of first path for the first six months. especially they me too you know, in these first six months i easily denied myself many things, because i was so inspired by this lighthouse. i was so inspired by this goal, so i wanted direct any available funds into investments, so i didn’t think that

it was somehow terribly boring. i worked like this more, you know, like delayed gratification, which you get more pleasure, when in this case it happens that i want the children of you employees in your families in business themselves are no one or they are passive contemplators. how old are the little ones? 16 years old, but the eldest son is 10 and 3 years old, so the kids and i are not discussing the issue yet, but the eldest son on a became interested in me when he was 6 years old. i made a car in the car, training center when he was taken to study groups. i listened to audiobooks that i had absolutely no time to read and he began to ask. mom, don’t listen without me, pause and listen with me, that’s why it’s 6 years for me. he played cash flow games with us , for example, at the age of 6 he kept a balance sheet and wrote down it, and by about 8:00-9 years old, he began to beat all the adults, because his thinking was so trained. we constantly discuss investment portfolios. he has his own investment portfolio in our name, of course, registered as a successful yes investor or this one

the topic is incredibly interesting, he is so far the only one of the three children who is interested in this further or will immediately become an employee of partners in your company for a very long time, he says. that he will be a sophisticated investor? let's see how it's formulated, it's difficult to learn, of course it is. yes, he plans to study, and he makes the choice of profession himself and the universities where he will study, but i think that he will start working on his own very early and most likely he will be our partner in all the projects that we have. if concentrate the essence of our conversation, then it doesn’t matter how it happened? someone close to you told you this, someone gave you a book, right? i read, but the most important thing is to start breaking the mindset that this is possible, and it’s not too late to start at any age, because you know. i told my children when they were starting to prepare for universities. they say, well, dad, well, he only stayed for a year. well, where am i going now, i say,

you can get a damn lot done in a year. and i say, so a you know what he says in six months. you will tell me that the next time i told you that if i had taken it up six months ago, i would have accomplished a lot in a year. here. get started now. no matter how old you are, if you feel this need within yourself and are ready to do something, put in your efforts in large quantities for many years. doesn't matter. how old are you now? it is important how much and how much you are ready to work on the path to this success, because without work , nothing happens without effort. but the most important thing is to accept this philosophy, it doesn’t matter how, through the book, through the first, and so on, and set goals for yourself and use the tools to achieve them. you and i have determined the formula, practically written it down and even given it. i believe that this is a completely unique way to form first capital. tatyana. thank you very much for a very informative conversation. moreover , i like it, that’s why i liked it

because it’s concrete, we weren’t just philosophizing about some heavenly things. eh, in the distance, there are star i them, and we specifically talked about what a lighthouse is, how to take it and how get to him. thank you very much it was very informative. this is a psychic podcast. my name is natalya loseva and my co-leading clinical psychologist , candidate of psychological sciences mikhail khors hello dear friends. we continue to write our library of wonderful, interesting , complex life, and admire our heroes. well, along the way, we help, how we can unravel difficult life situations, our today’s heroine.