of course, and naturally, we lowered the temperature, given that this is happening in pskokov. by the way, i wanted to say everything, i just can’t insert it, that two costume designers worked on the film, the fact is that i was nine months pregnant, i couldn’t be on set, so there is another costume designer nika belyaeva , do you remember her, we worked together several times, this is my good friend, she was more responsible for fashion trends, because she lives in new york, she works... for fashion weeks, she seems to be aware of all the trends at the very beginning of their origin in the very place of their origin, so to speak, and i was more responsible for being close to reality, for the fact that we understand that this is happening in pskov, and this is happening in moscow, and how we have such a creative tandem , i hope you have such a serious approach, i’m very interested in looking at the costumes, yes, yes, but somehow milan later affected your future life, that is. borrowed

some elements of the clothes you lived in for a long time on the set, i kept waiting for the filming to end in order to steal these costumes, to be honest, that is, they ended up in your wardrobe, some parts of some costumes, and then they told me that i needed to keep them on the poster, well, the costumes are there, but of course, i took it into my life, borrowed it, because i ’ve never, honestly, been scared of bright colors, and it seemed to me that bright colors... you need to know how to wear, you need to be able to combine, we have to somehow withstand this, and i am very afraid of some bright elements of these, this we all need to communicate with this very competently, when i saw that it suits me, but i’m kind of immodest, it goes, goes, thank you, yes, but when i realized this, of course, they began to appear in my wardrobe, firstly,

things of such... colors, which is important, and of course, such strict lines, it makes me a lot , not that older, but more serious, for sure, but it seems to you, it really, it also seems to me that it suits, right in i can’t imagine barbie-core, neither can i, oh, i can’t imagine myself either, honestly, well, here you are for the time those working on the film have become real experts in the preppe style, so let’s now give a recommendation to our viewers: where to start, and if you put together such a small preppe capsule in your wardrobe, what things must be there, first of all you need to determine what color scheme suits your appearance best, that is, more contrasting or softer , restrained, start with the color scheme, let’s say you have chosen what you have - you are blonde with blue eyes, blue, beige, rather all you can add is gray, probably, yes , gray is possible, of course, yes, blue.

and accordingly choose some basic things in this palette , the length suits someone, that these will be skirts, trousers , of course, trousers, vests, but in fact there may be some elements, let’s say a more classic top, and if you want to express fashion trends, that is, you can use more classic ones - what are blouses, shirts, i think, a white shirt, a classic white shirt, should definitely be in the wardrobe, is this a shirt or is it just the right size? i don’t think it’s in size, for some reason, yes, it seems to me that somehow it already looks old-fashioned. well, that is, a shirt, if it’s a girl, she can take the shirt off her husband , well, maybe, depending on the size, but i don’t even know, it seems to me that now they make a beautiful cut for just the same.

in general, i buy shirts in men’s stores here, it’s great, but it seems to me that they fit best for men, maybe, i don’t wear white shirts, so i would argue with milana, not for everyone, it seems to me that they don’t suit everyone, you’re both representatives of a contrasting appearance, i think you look good, but blue shirts , blue is great for me, i wear blue, i have all the shades, really, that’s why you need to choose initially, but black, at one time i didn’t wear black at all, i avoided it, but lately, since i work a lot in the theater, in the theater all the directors come out to the premiere in black, for some time i was the black sheep, that is, all the directors came out in black , and not alone in blue or beige, then i i realized that it would still be more stylish and more harmonious if i also had a black color, so i started using it, and it works, i really love the black color, and black can also be used, but in this style preppe or are they still more like that?

i think that in such a consistent preppe style there is no black color , by the way, olga and i also agreed a long time ago that we use black color to the maximum in cinema, but oh, to the minimum, sorry, because it doesn’t look very good on camera , especially on digital on camera, on television it’s the same thing, we minimize it, but it’s black, i didn’t know that , but because it falls through and you can’t see the texture, in fact, it turns out just a dark spot, yeah, if it’s black, then it has texture, really, then is it either leather or suede, or lace, some kind of lace, or velvet, then it looks interesting, i’m very glad to see you in black, like professionals, and dressed dressed in black and talked about it, in general , i agree that probably black is not the best attractive color, it seems to me, more yes beige some tones, brown, yes, well, this is the style - schools, this is the style, as i imagine there is some kind of lawn

in front of the university, uh, american, and here we see people there, there ’s no one in this idyllic picture there won’t be any in black, everyone will be some kind of discreet, noble shades, old money, yes, the fact that now from every iron there is this trend for old money, i really like it when people who have never had money teach other people who also never had money, yes, studying looks like it’s in the seventh generation there, no, just a word , i really associate it with some london, something like that - harvard, beautiful, some dark green, like that like that, but that’s how it is, it came precisely from these prestigious university schools, where it was just a common

form, i understand correctly, these rambo-shaped ones, yes, that’s all from there too, yes, but it’s beautiful, it seems to me that this style very, very much originated initially, well , it is believed that it originated in america, but we we know that the americans, they always wanted to look the way they look, the europeans, whose generation of aristocracy always wanted everything, yes, yes, yes, yes, that’s why this style, like an imitation, yes, it originated there, well i’m already looking forward to it, i want to watch the film, i’m very interested, yes, come watch our film, which is called, i’m taking a step, from september 7 it will be released nationwide in all cinemas of our beautiful country, thank you very much, we’ll be looking forward to it, although no, the film is already showing in the cinema, yes, it is already showing, already you can go to the cinema, run already , let's go to the cinema, and of course, we will be inspired by the prep style, i am sure that we can learn a lot of

interesting things from your images, yes, yes, hopefully, thank you very much, thank you. this is an easy money podcast, i am its host mikhail khanov and today our guest is tatyana volkova, hello tatyana , a certified consultant for the project your finances of the russian federation, a project of the ministry of finance, an investor blogger, in fact, now the prevailing trend is, everyone wants to be rich, everyone wants to receive passive income. yes, this is literally the dream of every person in our country, passive income, it’s been hammered into your head , please tell me, is there a formula for how to become a rich person, definitely, the formula exists, following 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, say, uh, the average russian, we will later come to this figure, well, some, here's an example today i often say that i am one of my best examples, because i myself started from scratch from my mother on maternity leave in 2012, when my allowance was 15,000 rubles. by studying financial literacy, the formulas that we will talk 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, and also give examples of other people, whom i know both from the business sphere, for example, one day a book made an incredible impression on me... about fedor ovchinnikov, when an ordinary guy from saktivkar began to simply think about something global, without even understanding what, and in the same way my example, i just once started with simple steps, thinking about whether i could make money in twice as much, where did you start, 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 was poor dad, rich dad, roberta kiyosaki, everything was very simple, really. and after reading it, i had a very clear conviction that there is some other scenario, that is, i realized that everything that he writes about may not be applicable in russia, but precisely approaches, views. and the worldview really surprised and impressed me, because no one in my circle thought like that: about investments, about cash flow, about planning, that is , i didn’t even know such phrases, although i had two higher educations and many things, and my first education i am an english history teacher, i graduated from university in such a specialty, the second is the northern arctic university, this is financial management, that is, in principle , the education was in the plane of what i read about, but we are all about something about the enterprise, i would be a commercial director of a large manufacturing enterprise about

launching a line of new projects, and here i saw some earthly steps for an individual for an ordinary person, and this book made me think very much about what was happening in my life, what was my financial result, and of course, it made me i wasn’t happy at all, because there were loans, such an average life, a mortgage, a car loan, well, life from paycheck to paycheck, how to start thinking like a rich person, that’s the first step, that’s a short summary of... which you’ve read, let’s share with this secret, the audience will probably write down the very first thought that struck me, that there is another scenario, well , that is, another, what i mean, not working from home or from paycheck to paycheck, but planning your income, planning passive income , planning is purely passive income, let's immediately explain, passive income is when a person has some kind of capital, for example, a property , simply an apartment, that is rented out and generates income, that is, the person does not work.

directly, yes, there is full-time full-time employment, yes, he does not have a full-time job, his money works, he sleeps, the money works, well , in order for them to start working, it’s still some kind of body movements, and besides, conclusions need to be attached, so of course, in general this is the way, this is included, this is part of the vague formula, the first step, yes, that you must understand that nothing without your not just desire, but some actions will not change, well, of course, at the heart of the worldview, i think there are two important points, this is how you are in general you think about money, what do you think, there may be limiting beliefs that can prevent you from just even seeing an opportunity, but also, for example , what are limiting beliefs that can prevent you from seeing an opportunity, well , for example, here i am, like a mother on maternity leave, like could to think, i read a book and decided that this is not in russia, it is somewhere far away, again there is a man, there is a man, i need start-up capital, which i don’t have and what kind of investor am i, i’m a mother with two children, i don’t even have chances, this is not for me, this is... some kind of fairy tale, here is a vivid example of a limiting belief, and how you removed this -

a limiting belief, you know what you did, squatted 10 times, did one push-up, and i was very impressed the story that there is another way, and i began to search further, read, and it took me about six months to start, to take the first step, because just this faith was not there, people around me did not add this faith to me, they said that... oh, this is some kind of nonsense, with whom i shared with burning eyes , what kind of investor are you, you’re a mother on maternity leave, you have such a cool position, i really was in a major management position, and they told me that people dream, but you want to start with some nonsense, and what was the first step after six months , and the first step, after six months i have matured, to the first step of the formula is to pay myself 10% from every receipt of money that came to me, to my spouse, well, this is not the first step, maybe the formula itself, but this is one of the elements, what? 10% for yourself right now, look in more detail, when money comes to a person to the average

, what he usually does, he immediately has payments for bills, utility bills, loan obligations, that is, he immediately gives everything he owes to other people in the organization , and in order to start saving something, as one of the elements of the formula, you need something left over, usually at the end of the month there is nothing left for an ordinary person, and paying yourself is when any income arrives. salary, advance, cash gift, whatever, you take some piece for yourself, 10, 15, 30%, it’s not enough, that is, good, i took, let’s say, let’s say 10, even if not 30, i took this piece , i start distributing, as you said, the budget, i understand what i’m missing, what am i doing, reporting these 10 back or what, this was the biggest obstacle for me, because i just couldn’t convince myself six months start taking this step from this position, that is, i thought that starting to do this action would not be enough for me. well, that is, since we live from paycheck to paycheck, but this is just about the worldview, and when i finally

came to an agreement with myself, realizing that there was no prospect then, and i took this step, suddenly i saw that we had enough, but of course, there are tools to have enough to live for a month, well , you gave up some expenses, which turned out to be not really necessary, i understand correctly, well, among the tools for me the main thing is that it was smart saving, that is, i initially had no principle of infringing on myself... smart saving is when you can use cashback methods, this is when you can buy the same thing for less money, for example, i started buying children’s clothes online , that is, i began to study a lot in terms of... financial literacy, so that smart savings would appear, that is, as soon as you took this 10% and put it aside, then, as i understand it, the most important thing, let’s write it down now, is the most the main thing is to understand that everything, these there is no money, we forgot about it, there is this amount, here it is, and please, dear, fit exactly into this budget, i understand correctly, yes, well, of course there is

a certain willpower here, because 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 financial income to the family, to the budget, we just took it, set aside 10% and forgot about it, and we live with the remaining amount, as with the budget, which is like everything is a given, we don’t have more money, never and no matter what happens, yes, but if suddenly unforeseen circumstances happen, there is an illness, an emergency operation, teeth, what are we doing, do we use this 10% or not? to say that of course, ideally not, but the situations are very different, if the situation is extreme and we really don’t see any other possibility, ideally we need to work out what options there are so that the options are not very simple to fit into this budget and not spend in limit yourself to something, but leave this 10% untouchable, option very simple, i can share my story, at the beginning of my journey

i was still very tempted, i had kickbacks several times, i looked into this wallet, i take something from there and say: to myself, what will i definitely put in, well the next time, this never happened, when i began to think more about goal setting, that is, i took a further step , when i already understood why i was doing this 10%, yes, where i was striving, as you understood it, but i continued to develop, i continued to study financial literacy, at that moment the key became for me goal setting and vision of life, that is, in general, what do i want from life, how to live it, what financial goals to achieve, and if i have... goals to change the apartment, because we had a very small two-room apartment, yes this is already a goal, to travel, yes goals, then you weigh on the scales, of course, if the extreme case, as you say, is a disease, then there may be no balance, you will give everything, but if a person is faced with situations where new boots wanted, for example, then the scales are very

serious, your goal, where you are going, or new boots, but this is an example, it is such an emotional purchase, so here it is very... important to weigh, and of course, so that it is easy to form this capital, the first one with which we start, it is very important to have a goal, because there will be an incredible amount of temptations, i understand correctly that it turns out that the first path to wealth is to start creating this wealth, in such a way that you get income automatically, because we come to completely unique definition, that with the fact that we take 10%, separate and forget them, we automatically... a situation where our income exceeds our expenses, can we call this the first step to wealth? so, now we have a good understanding of what we are doing with the budget, let’s say we have set goals, we have determined the budget , we manage it, we optimize it, we think about how we can earn more, but let’s return to this part, yes, that’s it , what we have put aside, with it,

what we are doing, with this part it is definitely necessary building your plan is the first thing you need. we need to understand the goal we want to achieve, if a solid income is one task, if a person has a goal, for example, to achieve large financial goals only, that is, for example, he is actively working, he needs to be given what large financial goals, for example, to give a start in life for children, this is to give an education to a child, maybe a start in the form of housing, it can be some kind of capital for a person’s pension, changing an apartment, upgrading a car, everyone has a major financial goal, at least basic, which i indicated, someone puts more. income, that is, he understands that his expenses are equal to a certain amount, and the person would like to get 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, first the work with goal setting begins, we have defined goals,

let’s say, we have it in our budget, or rather in life, but in life terms, how boring everything turns out, that we live. you can become rich, i mean now an inheritance, somehow or only in fairy tales it turns out, i am sure that in our lives you can meet people who received an inheritance or won the lottery, but the statistics are inexorable, they say that most of them lose what came unexpectedly, and what came somehow okay, let it be boring, okay, let’s go back to the formula, which means we’ll continue to write the formula. here you and i have 10%, which we put aside, you know, how the ships tacked, tacked, but never fished out, that's what needs to be done for our ships to be fished out, pick up tools, based on what tools are, what kind of axe. why do we need goals? this is the deadline, the implementation period and the amount, respectively, when we understand why we are doing this, this 10%, we need to select

our plan, draw up a plan, tools, for example, bank deposits, stocks, bonds, that is, money must work , because if we take 10% and put it under our pillow, then our inflation, which with or without us every year, is the real level inflation and official, it eats up purchases. i’ll tell you right away what it is, when at the beginning of the year we could buy one set of goods or services for, for example, 100 rubles, at the end of the year we can buy the same thing for 1200, for example, we ourselves are trying to come up with, select tools for investment, like you said, yes, some shares, deposits, federal loan bonds, state debt, and so on, or we attract someone for these purposes, i don’t know yet. consultants, i can tell you with my own example, this will probably be the easiest way, when i started saving 10%, of course, i already knew about inflation, purchasing power, so for a very small

amount, it was really cheap, because i remember that i formed 30,000 for several months, so that this 10% would turn into 30,000 , i started using a bank deposit or just an account with interest on the balance, that is, so that even my penny sums could start earning at least something else and how to work off purchasing power, this was what kind of sumac we are talking about, that’s what i mean was that very increase for which you took this step, in general 500 rubles, 100 per year, how much? per year i didn’t count at that time, 10% of our income then with my husband, it was probably about 8,000 rubles per month, which we started to initially form and it was, of course, pennies, and you know, by the way, i was inspired to take this step one more piece of information, i came across the topic of compound interest on the internet, how... i didn’t even realize before that it was a thousand or two, there was a table where 100, 2, 5,000 rubles, that something could 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 don’t take your annual income, for example, from a deposit , and leave it to the account, and thus your starting amount becomes larger by the cash increase that you earned during the year. yes, that is, these are years , that is, it turns out that you cannot become rich in a year, in two, in three, that is, after all, these are years, in how long can you become rich, that’s without counting on an inheritance or a miracle, a huge number of experiments have been carried out on this topic, and the average period is 7 years , when a person starts from scratch in 7 years, he can become very wealthy, even ambitious, that’s what, let’s try to define what wealth is, for russia, what wealth is for russia, wealth is a subjective concept, but its main criterion is excess 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 there is capital, a person has multiple

sources of income, and he can provide his basic needs with passive income, he can reduce his basic needs to zero, the capital will be 10,000 rubles per month, and it will be enough for all my basic needs , i will live like a diagen in a barrel, but of course, this is not an extreme, i’m talking about achievements that there is wealth for the average russian, let’s try to formulate. yes, he can achieve his major financial goals, buy an apartment, a car, he can change can travel, that is, he has more money , at least twice a year, travel regularly at least twice a year, he can, if he wants to buy something, update his home, he can implement these tasks without loans, and this task it can be solved in 7 years, starting with the start-up capital, monthly savings of 8, 10,000 rubles. in fact, in my case this happened approximately. after 3 years, when i already saw a bright result, that is, after 3 years we were able to buy a three-room apartment without mortgages, for us it was, no, then i lived in the region, it was the city of arkhanelsk

, i started there, how much did it cost then? and then it cost 4 million rubles, but without a mortgage for us it was such a great achievement , this is significant, that is, in 3 years you earned by saving 8-10,000 per month, well , they successfully reinvested it, this is the beginning 8:10 - that was the beginning, then tasks appeared to increase income from new sources of income, of course income grew, all these 3 years it grew in stages, you used it, that is, you did not they took nothing here, in fact, your percentage was precisely that very complex, that is, all income, as soon as it appeared , you reinvested, that is, you put it back into those, and you created new instruments, that is, starting with the most basic bank deposit, let's go about tools, tools are those, well, let me rephrase the possibilities there, that is, with the help of which you can make money work, so the simplest tool is a banking one, i started with it, a year, a month, three, how much, for what term, for a year?

well, for three at once, no, for three i never opened a bank deposit, i always kept in 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 the amount , which was more than three months of expenses, like an airbag, i sent it to different instruments, starting with the stock market, it was just a choice of stocks, bonds and what year? this was already in 2013, that is, at the end of 2012 i began to develop. in that direction and since 2013 my husband and i have already started investing. how did you feel 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, and these are the tools, let’s be specific, we are specifically talking about the formula, that is how did you start in the stock market? in the stock market i have the very first instrument, it was a mutual fund, it was the simplest, i mean, investment fund, that is, about

a company that invested in some certain industries, i’ll just explain to the audience what beer is, this is when the manager chooses a certain industry, yes, let’s say high technology, medicine , something else, that is, what is it, this is a store, retail, yes, of course, so and what kind of income did it bring you in the thirteenth year, it was a very good income of the order, and 38%, the beer that i chose, i was even... shocked by such income in relation to conservative instruments, where, for example, we take bank deposits or federal bonds left this income to the account in mutual fund, bought additional shares, the fourteenth year came, and the retail shares did not sag, but there was a period when they sank, but there was very competent management of this mutual fund, and it was not very long-term, because everything is not very long-term, about three months, five, about 3 months, i don’t remember in detail, but this situation

continued for less than six months, because? after all , the consumer sector, we always want to eat, people want to buy medicine if they are sick, by this time i already had investment property, because that in parallel with the stock market, i began to study other instruments , and just in the thirteenth year, on the threshold of the crisis, we also began to invest without touching the money that was in the mutual fund, you also had the opportunity to invest in real estate, is it a mortgage or what? of course, i always invest with a mortgage. i have been investing in real estate for many years and the main task there was at the start to find liquid properties in a good location, residential, non-residential or residential, i started with residential real estate, these were very small studios in st. petersburg in the suburbs of even st. petersburg where the key task was the minimum contribution of about 200-250,000 rubles. this is approximately 15% of the cost, about 15% of the equity, and the rest you took out

a mortgage. that from one piece of real estate i can earn a million net rubles and for this i need, that is, you thought not in percentages, but in absolute values, for me then the absolute value was very clear, yes, because i came up with my formula, my strategy, what it should be object, so that in one and a half to two years it grows by 1 million rubles. it happened that it didn’t grow, but this happened in the fifteenth year, when the crisis was unfolding, at the moment when i was planning to exit the deal, the object did not grow by the required amount and probably also fell, no? always, there is not a single object in my life that i would buy so that it would fall in price, there is no such object, bravo, i can only do so much, real estate is my greatest love, for a very long time, and until now, and it still doesn’t fall and still doesn’t fall, at the moment i am very active in the real estate market, in any historical moment , you can select an object that has the prospect of growth, the only question is what kind of growth, does it happen globally?

sometimes not very much, but there is always growth, what is the maximum period for which you plan your investments, let’s say in real estate, on average the transaction cycle is one and a half to 2 years in real estate, this is if we are talking about the primary market, but there are strategies when on average six months, you add something , let’s say you are doing some repairs there or there are some paperwork, or just as it is, but that is, you bought there for at the stage of the foundation pit or there at the stage of just the project, do nothing more, no , my strategies are very... different, there are those, as you say, a very simple strategy, i bought it for the foundation as cheaply as possible, but understanding that it will develop this location, the roads will be built, the social sphere, i always collect insider information, that is, mm , that is, it’s work, it’s not easy, it ’s work, it’s work, sometimes choosing an object takes from two weeks to two months, when you analyze, compare indicators because my task is to every ruble invested, i received maximum profit, let’s immediately

write down for our audience that the key to wealth does not happen like that, yes, it’s still work, it’s working with information, and in any case, i think that’s for sure. this is working with information, which ultimately leads to the fact that you do not feel what you feel, but you see, due to which your object will grow, today instantly, i just need 3-5 minutes to look at the information that is already being collected today for me and offer me comparison, for example, they will look at 100 objects, they will select three of them, they will prepare three for me, and from them it will take me 3-5 minutes to tell you exactly which object, that is, there is already a team working for you , and there are my direct assistants who collect and monitor this information , there are agencies that interact with me, there are simply developers who are already sending this information, since we interact a lot, let’s immediately, how long have you

been going to this, so that in 5 minutes, look at the object for 10 years 10 years , this is a podcast easy money, i’m its host, mikhail khanov, today we’re talking with tatyana. ministry of finance of the russian federation. we can say that now it’s not even investments, but investments in real estate - this is your main activity, this is your main application of effort, your analytical abilities, investment analysis, and so on. this is a large share, i wouldn’t say 80-90, unless you’re 90, here’s 60, 60% is probably the right number. stock market, crypto rock, what part of your investments, your portfolio can already be done like this say is on the stock market? probably about 20%, well, this is very conservative, yes, very conservative, i

am more impressed by real estate, okay, then we return to the formula for the wealth of success, after all, i would like to derive some common elements of this very formula. so, the first, in fact, in my opinion, the most important life hack, you just take the simplest tools , a bank deposit, right away, but the first 10%, a bank deposit, and some, let’s say, i don’t know, federal loan bonds , that there is this one, well, this one, in the west they call it vanilla investment, vanilla is a general taste, that is, they are practically risk-free, and every ice cream there is vanilla initially, and then they start adding strawberries, cherries and so on, that’s it. the most risk-free, simple investment product there is called vanilla investment, which in our case is actually bank deposits and federal loan bonds. then you and i have gone through this first step, the next path in our formula is us immediately in advance

we are laying down that nothing will happen right away, not in a month, not in three , psychologically, we are laying down a period of 7 years or 10, let ’s look right away, if we talk about some global results, when capital is already credited in tens of millions of rubles, then, then 3 years are enough to see the tangible result through which we get, but if we do not stay only on the bank deposit and ours, look, in the wealth formula, this is the next, next x in our formula, after we have mastered elementary that's what they call, fixed income instruments, fixed income , where you know how much you will get both on the deposit and on the bond, you never know how much you will get on the stock market, how much it will cost or. more or less this or that share, 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, well, if the state does not default, and does not default on its obligations, here’s how to add those extra ones here

ingredients, and to make our dish more spicy and not vanilla, i believe that we have only three levers and we are talking about them now, i’m ready to tell you how i did it, the most important lever is, of course, income, because if we talk about expenses, then expenses are not without... we cannot, as you said, turn our expenses to zero, in order to help ourselves, it is very important to constantly work on the source of income, grow it, ask the question how can i earn more , if this is a job for hire, then it’s elementary to go ask a question to to the employer, how can i earn more, take on responsibilities, some additional work, if the answer is no, no way, then it’s about choice, if we are not satisfied and we understand that we will not achieve our goal, change employer, field, profession, then there is in this case you are also working with investment capital, but in this case this investment capital is you yourself, that is, you definitely need to consider yourself as investment capital, this is for our audience, and develop yours there, i don’t know, with someone this hands,