will not support, no one will eat it , everything will simply be thrown away, or i should cook separately for myself, this is a very important point, remember how in the classic film we dig our own grave with a knife and fork, if this understanding, awareness appears, we are trying to tell you everything simply, yes , so that people have this understanding, and you shouldn’t cling to this crust, shortening your life or spoiling family relationships, help your loved ones, support them in this initiative to cook correctly, and... . and let’s say how i translated mine, sometimes you can do it like this, and you show that everything is delicious, it’s just that stereotypes sometimes prevent people from giving up these harmful ones, yes, i also have similar stories, for example, i don’t fry anything at all , even if i’m cooking borscht, again we talk about borscht all the time , it’s time to cook borscht, borscht absolutely doesn’t need any frying or anything like that at all, this is all an outdated story, what else did we tell her about? probably, they also

ignored the kebab, there is also an opinion, that in the caucasus everyone ate kebabs all their lives , longevity does not contradict in any way, no, this is also not a very good cooking process, because it is an open fire, these are very high temperatures, there are a lot of glycation end products, no matter what kind of meat there is, but there is one nuance , of course, the meat is usually pre-treated, yes, it’s either lemon juice or onions, which also contain substances that contribute to this ... preparation, but even with this preparatory process - high temperature, this is charring and there are parts of this meat, these are still high levels of glycation end products, in my opinion, the myth is that all caucasians have always eaten barbecue, no, more often by the way they eat boiled meat, this is what culture is quite developed, including , yes, i think there are a lot of long-livers, not only because they are high in the mountains and breathe good air, but there is a lot of meat in their diet,

but more of it is boiled than fried or cooked there, so again i would like to point out , it is still marinated in in the good sense of the word, a large number of vegetables, again this sulforphan, which we talked about, which is in broccoli, by the way , there is a very interesting fact about the microwave, and when i was collecting information about the harmfulness of the microwave, in order to pump up, so to speak, on this topic, i would discover such a terrible thing that broccoli, if you put it in the microwave, at the fiftieth second, it means it loses an enzyme, which then participates in the production of this sulforphan, which is wonderful an oncoprotective substance and so on and so forth, and i got a little tense, i said , here’s a microwave that’s good for everyone, this unfortunate thing means an enzyme, it kills, it probably kills something else, but i

started, as they say, to investigate further and found that regular cooking kills this enzyme in the same way, if you overcook, overcook broccoli, cook for more than 4 minutes, and i think that 50 seconds on high microwave power is roughly equivalent to four minutes in, so to speak, boiling water, so what should you do with broccoli so as not to lose this wonderful enzyme, you need to... eat it as alive as possible, yes, yes, and before that, let me remind you, break it up so that there is more of this enzyme, so if we cook it, then we leave it , cut it and leave it so that there is more surface in contact with the air, and if we chew, we can eat it immediately, without any preparation, just chew it thoroughly, because we produce myrosinase, this whole reaction happens, i forgot the name of merazinase, yes , yes, doctors just have it

such a deformation, they can forget aspirin, but they remember ocetylselicylic acid very well, yeah, that’s why there are a lot of misconceptions about cooking, it’s also very important to say, then regarding the end products of glycation, the longer we store products, even in the refrigerator, the more end products of glycation are formed in them, so try to cook more often, but in small portions, yes, that is , well, maybe leave one single large one, which... is, it only becomes tastier, but also, well, yes, yes, that's why that the end products of glycation are tasty, unfortunately, the mayr reaction, this very cross-linking of proteins, it is also called a tasty reaction, but everything else was better prepared, eaten, but at the most the next morning, we cook again, although it’s clear, in ours like this crazy age, yes, the pace of such life is high, it’s not very convenient for us to cook often , well, there is such a non-obvious fact, perhaps for some, that if you want to be

slim, healthy and young for as long as possible, then you should eat at home, you must understand what you eat, in no case is it restaurants, even the most expensive ones, are certainly not fast food. because your chef has completely different tasks, for the cook, what is important is that it tastes good to you, that you come in more often and eat more, so he achieves this in every possible way, and at home you can control the whole thing, what you eat and how you eat, so we encourage everyone, not to be lazy, to have fun, and this is a creative process, to cook deliciously and it’s a great pleasure to see how your household eats this healthy delicious food and becomes. healthier. did you have a podcast? deception of substances, and the presenter, editor-in-chief of komsomolskaya pravda olesya nosova , endocrinologist pavlova.

this is an easy money podcast, i am its host, mikhail khanov. i think that many of our.... viewers, especially after they started watching our podcasts, our audience, dreams of retiring early, and generally thinking about what a pension is, how it is, why this, why this, and most importantly how much it is. in fact, there is a whole movement, called fiya, whose followers want to retire very early, but by our standards, this is at 30-35, 40 years old, and today we are talking with a follower of this movement, a private... we will try to figure out how realistic it is to retire at 30, and most importantly, why and what for this needs to be done, well , let's start with a simple question, what is the movement of financial independence, early yes,

that is, this is financial independence, early retirement, how it originated, when and what it is in general, this is just a real movement, a party , or is this just a club of interests? well, is it more likely? club like-minded people and the movement of people who want to get out of the so-called rat race, that is, we live in a world of victorious capitalism, for people the most important thing is money, our whole life is focused on earning money, you get up in the morning, go to work, come back in the evening it’s already dark, you can’t see life, you live as if only on weekends, and people don’t like it, they think that they can use... the institutions of capitalism for their own benefit, in order to quickly break out of its shackles and become a truly free person, who does what he does wants, lives the way he wants, does not depend on the boss, on the work schedule, on the location of the office, it is read that

it is after you retire early that your real life will begin, and before that you must earn , save as much as possible , deny yourself everything. there are outright radical supporters of this movement who save almost 90% of their salary, save on socks, probably wear the same socks there, did this start a long time ago? this generally began after the global financial crisis in 2007, but it’s somehow formalized, that is, it’s just a certain party of followers, it’s a manifesto, it’s something, or it’s just, well, what is the essence of this abbreviation, that is, there are some badges, tickets, and a participant active. participant, senior participant, no, these are rather people who read other investors of the same kind who communicate with each other, so i, for example, as a supporter of the movement, just said, that’s it, i like these ideas, i will stick to them , no one initiated me, no one

accepted me into the organization, it all started with one blogger, his name is mr. mani mostesh, abbreviated as mmm, we have a different association with these three letters, but in america it is the association. with faya, how many followers are there, alexey? i can’t, well, how many thousands, tens , tens of thousands of people there are, in russia there are fewer, i have difficulty finding any articles by people who write on this topic, that is, there are hundreds , there are probably thousands, but just like that there are perhaps even dozens of active ones, well, as i understand it, in order to retire at 35, it’s too late to think about it at 55, and accordingly, people, well... for the most part, how old are they? 20, 25? well, those who learn about fier, yes, it may even be less than 18, there are 16 years old, but i can say that even if a person there is 40-45 years old, this does not mean that he is not interested in these ideas,

because it’s not even about the specific number 35, it’s about the fact that you rely not on the state, not on chance, but on yourself, on your own strengths, you save, you invest. i understand that it is pointless to talk about what professions these people belong to, because this dialogue is a way of life, these people are it specialists, because it specialists earn a lot, do not spend so much, so they accumulate a lot of surplus, but in fact, any person can adhere to this ideology, the main thing is how much you need to save per month, what part of your salary is considered that for what you , so that you can say that i adhere to fai there, you must save at least half of your salary, and preferably even more, the most zealous palaguettes save 90%. some people boast that i haven’t spent anything there this month, that’s all invested, but it seems to me, how can you eat, no, prana, air, sun, that well

, people are hunting for all sorts of discounts, cashbacks, someone even collects expired food from garbage dumps so that they can make money from it, now this phrase will push you away all potential followers, from screens , monitors, televisions, from i don’t know , radios, these are just the most radical people, i don’t do that, because at one time i went through such a really radical economy, i had years when i there i put it off at 90%, but to say i’m really crazy, how old are you, i ’m 29 now, almost soon i’ll be 30, how have you lived all these years, tell me, here’s where, where to find one for yourself, that’s what you said, radical, yes, that’s the question right away, excuse me, please, for the sake of what, yes, that’s where the motivation is to put it off, i’m not talking about 100% now, yes, at least 50. okay, well, that is, how

to cope then, when you are young, when you want to live, how to tame young flesh, but in the end, these are girls, yes, these are trips there, well, at least to a disco, i’m not now i’m talking about restaurants, theaters, although theaters too, yes, i agree with you, about the fact that in your youth you want to consume, fortunately this craving bypassed me, i grew up in a family that went through the nineties relatively hard and i saw how it’s hard for both dad and mom to get the money, in fact , i can say that i was saved from consumption by psychological trauma, that when i turned 18 there, i went to work at the cash register in fast food, i received about 100 rubles per hour, when you... in the same fast food you look at some burger there costs like one and a half an hour of your work, and a glass of cola is like an hour, you

think, what do i spend my life on, what do i spend my time on, and then i wanted , on the contrary, to quickly save up, because the more money you have, the more money you get, for example , if you have 100,000 and you put it on deposit, you will get 10,000 in a year, and if you have 10 million, then you will already receive a million, it is in your interests to earn money. this these 10 million or at least a million as early as possible, in order to receive as much as possible, so that the money is capitalized, so that the complex works percentage, so i thought, maybe i’m denying myself a little now, but when i turn 35, i’ll kind of live with dignity, rather than now i’ll spend money on all sorts of nonsense and i’ll live like this all my life, there’s a little bit -i went and bought it and looked into the future. whether i’ll live to see payday or not, you know that to me, jack london has this story when the gods laugh,

when the couple looked inspired all the time, in love with each other, they even denied themselves kisses and everyone around wondered how it was like that, no one didn't know this secret, that is, they have been together for so long , they are up to date, they enjoy each other, they look at each other like lovers, as if they had met for the first time, and the moral of this story is that at some point the gods really are. they saw that this was unfair, and, in fact, they made their verdict, yes, people woke up one day and realized that they didn’t want each other, they didn’t want to, let alone love each other, they didn’t even want to kiss, they are like that, they never kissed, are you not afraid that at 35 years old, when you reach, we will now come to this, and the level of financial well-being that you so strive for, you will think, and as you know, as in that joke about the man who gave up leading a riotous lifestyle for the sake of what when he was told, that there will be no one to give a glass of water in his old age and so he dies on

his deathbed, there are children and this, and he gave up all his sprees, casinos, i don’t know, discos, entertainment, women, here the grandchildren are standing there, he is lying mortal adre, he says, but i don’t feel like drinking, so you’re not afraid that you won't be thirsty, you know, this is a good question, when i just started there the first 5 years before i turned 25 there, i believed that when i turned 35 there, i would go out early. i’ll live straight away, everything will be great, but a tragic story happened a couple of years ago, my best friend and peer died, and i suddenly didn’t realize for... myself that i, too, could die at any moment, that in general people are like would be mortal, and i began to realize that damn it, suddenly it’s true that i won’t live there until retirement and god forbid, or something will happen to me, and this has greatly changed my habits, if i used to save 80-90% there, uh, i realized that no, i still need to find some kind of balance between life now

and life for the sake of some pensions and i chose a strategy a little, here’s how to adjust it - what i put aside into investment accounts and stopped blaming myself for the money i spend, but at some point i was actually ashamed that i was allowing myself some kind of video game or i allow myself a ticket to a concert, and especially some travel, damn, you went somewhere , hung out for a week, arrived, forgot, you have nothing left, just some memories that will be forgotten, and you spent the money, so i was very ashamed to spend on travel, you know , i’ll tell you, maybe you’ll listen to my experience, i ’m 55 years old, so i can say that travel and emotions in travel are generally the best thing in a person’s life, even better if they are received - together with your loved one a person, and in fact, looking back, nothing, apart from these emotions, there are none in life, yes, pleasure from money, it does not come

by itself simply by the fact of their presence, yes, because otherwise they would not be filming. movies with well-known cliched titles , the rich also cry, and everything that our life is is emotions, these are emotions, these are new impressions, so i can tell you that the more emotions you get, the more you will remember, it’s advisable not to do this alone, so that later you don’t leaf through it in your memory, you talked to someone, listen, but you remember how great it was, do you remember how you smelled, i don’t know, of fir, but at least in the same crimea in the summer, when we were sitting... in the evening you looked at the sunset, yes, but you don’t remember, but you remember how wonderful darak smelled when we diluted it with boiling water, rejoicing at another thousand deposited into an investment account, okay, let's talk about specifics, okay, so you save 50% of the money, let's say wages, but i won't talk anymore about the fact that you need to earn more and not spend less, but that's what we have a fundamentally different approach, here,

okay, where, now of course there are no options especially a lot, if you and i... just a month ago, maybe i would have said there that i buy russian shares, chinese shares, american shares there, well, just recently they imposed sanctions on the st. petersburg stock exchange, my assets were frozen, infrastructure risks have materialized, and there are not many options left, that is, either russian shares there, or bonds, or even there, buy a quar, that is, that same brick on the head, yes, as i apologize, but with your friend. he fell, that is, everything that was acquired back-breaking labor, it was frozen, and now it will somehow be taken out, well, not everything, actually, because i still diversified my portfolio, so far about 25% of assets are frozen, but i don’t despair, because i’m now in the accumulation stage, on the contrary, i’m interested in periods when everything is falling, when everything in the world is not

stable, why, because when everything is cheap, i can buy more shares for the same thousand rubles, more. have you set a deadline for yourself or is it in fact how it will turn out this way or is there some kind of goal, that is at what age do you want to stop working ? i would like to deliver. that is, in fact, the money should be enough for mm 65 years of life, i will not have all this money in 5 years at the time of my thirty-fifth birthday, i plan that for some time i will continue to earn money on some of my own projects, after all in the end, this is what retire early, this is

doesn’t mean that you hang your paws and just withdraw money from the account, you get i don’t understand what to live for at all, you know how it is again... to the joke, doctor, i, if i don’t drink, smoke and communicate with women , i will live, the doctor said, you will, but why, i have the same approach, that is , by the way, the next question is, yes, aren’t you afraid that at 35 you will achieve your goal, so , that’s it, apathy will turn on , but no, i’m not afraid, in fact, this is the main argument of opponents who say, well, how can it be, you are like that young, there you are 35 years old and you will retire, but for me, a supporter... of this movement, retirement is precisely the opportunity to do what you want. you are watching the easy money podcast on the first, we are talking about it today. on the topic of how to save money, retire at 35, do you have a diary or i don’t know, a file where it is written day by day what you will do at 35,

when the first year begins, i’m completely serious, because if this no, these are all words and nothing will happen only if you have a clear picture of how you will live this year, by the way, this is advice, a life hack for our audience too, if you set yourself some kind of goal, then the goal should be drawn out as detailed as possible, written off, then it will come true, because if it’s simple, well, i wanted to go somewhere i would like to go where, well, to the maldives, yes, there will be no maldives, no trips, nothing, so you wrote down the first year of life after fir, i didn’t write it down by day, but i have it, imagining some large strokes there there are, yes, yes, large strokes, i’m already slowly preparing for a big trip, i have a dream that i will buy myself a motor home there with part of the money i earn and send it, how much does it cost? it’s literally a couple of million, i’m not going to be very expensive, no, well, specifically, it should be written down, i’m looking, i’m buying, that’s how it works, i’m buying, 2 million, and i’m taking my wife and we

go on a trip together, first around russia , i have a dream to travel through russia from kaliningrad to vladivostok, see all the cities, and along the way, live there in different places, force majeure, a child is born before thirty, or there can’t be force majeure , well, i, i don’t plan it yet, my wife doesn’t plan it yet, we somehow came together with ideals, how, by the way, does she feel about this process, she uh says that in our world it’s difficult to predict anything, even what will happen in a year, but i’m aiming for an early retirement, so she doesn’t save money for me, i kind of save it for the two of us, one might say, so uh, well, she does provides current life, for example, i wouldn’t spend money on travel, but she says: i want to go there to egypt look at the ancient tombs

, what if something happens there tomorrow , they won’t let us into egypt anymore, but tomorrow we’ll go, but this is all my wife’s idea, as if i have slightly different planning horizons, maybe it’s for the better when you find you want such a partner in life, you think long-term, partner... she’s my colleague, she’s also an editor, writes, edits articles, yeah, great, who earned more, or she, i earn more, at least that way, but you have a marriage contract, but no, she is not afraid of the fact, let’s say, you live another 5 years, in at some point she will say, you know, listen, i met a person here, i was struck by sudden love, it turns out that she endured all this, but this money, that is, at least she will understand that there is 50% of the accumulated money. .. will they treat her with money or not ? and she says that if anything she has parents, she has a share in the apartment there, she will somehow live without me, she’s so independent, that is, the apartment

was bought jointly, now we live in the apartment that i got from my mother, she also has her own real estate, as it were, in in this regard, we were kind of lucky, thanks to our parents, again, i understand that for many russians, who perhaps wanted to adhere to such a movement, they first have the task there, there is such an ideal to buy an apartment there in moscow or in some in another large city and people simply pour a huge amount of money into the concrete, which stands and sucks up this money instead of putting this money in the account, which i think, for now i live in moscow, but before that we lived in the moscow region and in what area with no secret? if i say in homovniki, you you’ll probably think that i’m greedy , there are cool people living there in khomovniki, but we have an apartment in a simple nine-story building

, so it’s not a paradise for my mother, yes, in the soviet union they gave out apartments, it was a lot, so again, thanks to the parents, that’s it, but then do you live with your mother , no, your mother moved, we later bought her a separate apartment, so we live in a two-room apartment, my mother in one... listen, well , this is great, you were able to earn money for an apartment to buy for your mother, or is it together with mom, together with mom, i understood, great, that is, now you like her i understand you are renting, we are renting, an apartment in khamovniki, we want to live in different cities with this money, also travel, look, well, that is, it turns out that you are not, not a firm follower of fire, that is, you allow yourself excesses, because according to idea, the money received from the income from renting out an apartment, money, that is, it’s just total income, what’s the difference, it ’s a salary or not, and in theory, they also need to take 50% of it, invest it, i agree with you, i’m just trying to balance between

so as to save for... pensions so as not to go crazy, because you are absolutely right , human psychology is such that when it is not clear why, our brain is not used to living in the future, it is used to living now, and when you deny yourself, tear something off and put it somewhere, it’s quite complicated, i’ll tell you how it works, we each have a little me inside, yes, relatively speaking, you have a little alexey, and there i have a little misha, yes, which is the same one, that’s your resource internal, which manages your resources. vital, that is, at some point you came to him, said: listen, let's be patient, now we are developing a business there , or we are working there now, we need money, that's where i need strength, you ask him for strength, you get strength, but in return you have to give something, yes, that is , he, this is a child, he doesn’t understand some percentages, fire, something else, here, now, i want a car there, there, a toy there, i don’t know , in the sand on the beach, i want to swim, so, if you don’t give it back to him,

then next time you come for resources, he says: listen, dude, excuse me, please, now we’re definitely saving up, but he’ll say, yes, go, you know where, and you ’ll be left without a life resource, your eyes are actually dim and you don’t understand why, and most importantly , where to get strength , this happened to me, exactly, i was treated for this too after the death of a friend, so i now understand that yes, i have to save, i have to save half, but somehow, but i limited myself that there is a salary , i save half of it, but i have some income, which, well, it wasn’t me who earned the apartment , but my mother, so, well, in ideology , it’s the same income, if you’re going to play, then play honestly by the rules, there’s income, okay, give mom her share, yes, let’s do this, it’s possible, my mother is now retired and she essentially lives from this money too, so, okay, where, let’s go back to the question of where, how we can earn money, well, at least for five, so you’re planning,

how many years of life will you have when you get out... at 35, on this free voyage with money that works as investment capital, well, i would like to live up to 100 years , 15, no, well, you and i have already come to the conclusion that it’s good, you spend , let’s say, well, let’s say, let’s say, you spend how much now 100,000 per month, 15,000 per month, you need 200, well, let’s round up to a million, so by the age of 35 you should have 65 million, am i right? not really, but because... i’m going to receive some more money after 35 years 40 45 rather , 45 million is also possible. that is, you plan to save in 5 years with the help of investments 45 million and provided that i sell the apartment that i am currently renting out and invest it in more profitable instruments, this is quite possible, how much does the apartment cost? and somewhere 202, no, 22

million somewhere exactly. moreover, we are not now taking on the risks of inflation, that apartments, real estate will depreciate in value, and so on, as was the case in japan in the seventies, you know this example, when it seemed like an island, yes, well, what could happen with real estate, but on on a larger island in one of the largest economies in the world, so real estate there has fallen in price by up to 40%. yes, you don’t lay it down, it ’s in your formula in the business model, i always have the option to continue working, that is, if everything is the worst... but what can i do ? i’ll continue to live, but what about the goal of my whole life, that is it turns out, well, you can’t imagine some kind of blow, moral, emotional, that is, you live, you’ve already lived until this day, especially since you have this plan with the purchase of a trailer, i don’t know the car there, at home, yes, suddenly something happens, or there in the thirty-fourth year you realize that it another plus 5 years, where can you find strength from that inner alexey, from lyosha, yes, when you come to him, he will say, sorry, dude, yes, you lived there for 5 years, it’s not clear how anyone, yes, i’m

just a little bit here... .. not dead and goodbye, good question, but i like the words of the founder of this movement, mr. mani mostesh, he said, people focus too much on why it won’t work, instead of focusing on what make it work, you watch the easy money podcast on the first, we are with you today we are talking about how to save money, retire at 35, so what are you doing now, from your income, or 1000, where do you put it, i’ll put it in liquidity funds, which now give about 14% per annum , we still have a high rate, let ’s explain for our audience that, in principle, if you are not such an advanced investor , then a replacement for the liquidity funds mentioned may well become a federal loan bond, which is great now.

gives us the fourteenth yield, that is, 14% per annum, and i think that if the central bank with 15%, another tightening of monetary policy is possible, the rate will be further... raised, perhaps the figure for this yield will reach 15, well, in principle, banks now give a similar yield, so, that is, you put in pounds, and just counting on that that monetary policy will tighten, liquidity funds will react instantly and i will not lose any money on this or bonds, when i understand that the end of the interest rate cycle will end, i will be able to fix this amazing yield of 15, there 16 % per annum in bfz for quite a long period, there is an ofz, which is there for 10-15 years, and that’s exactly right. why not just buy ofz, and why is the fund needed, because there is a risk that policy tightening will continue, and i will burn out on tv bonds, now it seems to me that this is not the best time to buy long-distance bonds, we need to wait and wait for

signals from the central bank, which seems to be the case for all of us have passed the peak of inflation, then everything is actually from liquidity funds into distant bonds, and in fact this may already be enough to relax? strategy constantly buying more, and well, i also balance it all with shares, that is, the portfolio is completely for it, this is a risky asset, you understand that this is not a fix, yes, but shares, during the period of capital accumulation, are a good option, because they are a risk, but since i have a margin of safety of 5-10 years, at this horizon i believe that stocks are an excellent option, because on average in the history of stocks over 10 years they give positive returns. you take dividend histories or look exclusively at stocks or dividends are they also taken into account? in fact, i am not a supporter of dividends during the period of capital accumulation, because you have to pay taxes on dividends, and this is a loss, and why should i lose something anyway, if during the period

of accumulation, i reinvest it back, it ’s easier for me to buy then a bond fund that doesn’t pay taxes and also some kind of return, an excellent approach, let’s go back to stocks, that is, stocks, that’s one, two, three, how diversified is your portfolio in stocks, stocks, that’s now about a third of mine portfolio, there used to be more, but i had to reduce the share, i sold it, despite the fact that i am a qualified investor, and i have the right to trade, how long ago, by the way, well, about a year already, probably, and that is, you gave up exam or actually having 6 million in the account, i received the actual turnover, so i... used to actively invest in american stocks, but after the twenty-second year, partly for ideological reasons, partly due to infrastructure risks, i decided that it's better to get rid of them, fortunately right i did it because literally a week

or two ago they banned russians from trading these shares at all, instead i started buying chinese shares, unfortunately they were frozen, but after unfreezing i plan to continue to buy more of them, because chinese shares are now generally at a historical ... not particularly chinese , taking into account the signals that are being sent, and if capitalism wins in china , well, state capitalism would even say so, or rather, let’s say, state capitalism will win completely and say that you know, we ban all non-chinese buy shares, we forgive everyone who has already bought, anything can happen, in the end, people who held shares in the russian empire in 177 also lost everything, again, now foreign investors have either left the russian market or are limited , thank you very much, i can buy russian shares cheaply and in 5-10 years, when the world has changed a little, i believe that russia will play a more serious geopolitical role, our shares will grow, i kind of believe in this future, if

it doesn’t happen , i can always sell an apartment and live on it, or go to work, you know, such a pumped-up follower of the fier movement, yes, that is, you always have an apartment. your wife also has an apartment, okay, in your life plan you allow for the birth of children in these 5 years, and i also allow for it, and probably when the situation in the world becomes calmer, if this ever happens, then it will be the best, that is, children are born according to a plan, well, among supporters, it seems to me, yes, they plan, well , love, it seems to be present, but that’s when love coincides. and economic situation, then you can already think about children, well, that is, uh, wouldn’t you consider the option that your wife, but in some, what’s her name? olga, olga , olga comes to you and says: lyosha, you know, i thought

that i want a child, i want it right now, and i don’t care about all your fireworks, not fireworks, i want children, so you’ll agree to this, and i think yes, you will run to make adjustments to the planform, right? to be a happy person who can afford to live the way he does... if we want to live with a child, then okay, you will have to, yes , earn more, as you said, not only spend less, well, i think that this is the right approach, in fact the goal, here i naturally look at this with a little sarcasm at this whole situation , well, you probably understood from the questions and all my life experience speaks to the opposite, in fact, i really like the way we had a discussion, our audience will be able to choose for themselves what plan' well, can i

ask a question then, really? you don't essentially adhere to the same ideologies, only you you just probably don’t hang your money, you created your own business, you also invested, saved, saved, it’s unlikely that you spent more than 50% of your income, when your income is already at such a level that you can relax there and enjoy life, then for sure there, 80-90% of the money easily goes away, that’s all you... and you also live on dividends, and i’ll tell you a terrible thing now, in 2000 at the very beginning of the two thousandth i, my wife is very wise and perspicacious, i i don’t know how she did it, i predicted this growth real estate was exploding in 2003-4, i even took out loans, we took out loans, well, naturally, we tried to minimize this , i borrow from friends, almost interest-free , in order to buy... apartments in the future, a loan is an integral part

of the life of any successful people, even here the guests were sitting and talking absolutely beautifully about a loan, because it’s just a tool, accordingly, sometimes it’s more profitable to take a short loan - with a normal interest rate, and there’s a crazy interest rate, there’s collateral with everything, there’s under 10, under 15 per annum, having invested this money, having received certain benefits, you always know what a loan is, yes, you evaluate for yourself here, now, if i have a car there, an apartment, anything, a trip, yes, what am i acquiring, and what it will cost me, interest rates , and so on, so for me, that is, for me , of course, when children began to be born, and we began to raise them, then, of course , every soviet person had this goal, to buy an apartment for a child, although no one bought me an apartment, that is, i i was involved in investment, among other things, i was employed with a hired job, at a fairly high

level, and i never thought about what part of my salary i put aside, especially not in the context of a pension, the word pension bothers me here, because just like a person’s name, yes, this is the most common set of sound forms that he has heard in his life, so it’s one thing where your name is mishanya, yes, and another thing is mikhail, will either vladimir and voovochko grow up there, yes, these are two different people who will grow up, and then it’s no coincidence that when they want to show a powerful, strong-willed woman in some performances or productions, they usually call her marina igorevna, there you either run, that is, it’s such a rat race, on the contrary, that is, you run, die, well, that’s it in my opinion, because i don’t see what you live for now, yes, because now you are 30 years old, how many countries have you visited? well, probably about 10-15, 10-15, yes, this already goes against the ideologists of those who love it... to live, but i don’t

know, go out there in the emirates in the best hotel on the balcony with the woman you love to look at the sea or in the crimea or in sochi or on lake baikal, and now it’s altai, well, i want it again, i ’ll put into your head the thoughts that consumption is in my life ideology. this is an integral part of pumping up that little inner self from which we draw resources, you don’t look like such a die-hard stubborn follower of this movement, i think that with your help we , together with our audience, figured out today what it is and people, i think that they can independently choose which degree they should be adherents of this ideology, thank you very much for sharing how it works, what’s in your head, how you live and how you plan to live, good luck

to you, thank you very much, thank you for inviting me, this was an easy money podcast , i ’m its host, mikhail khanov, today we looked at what the fai movement is, what financial independence and early retirement are . and there is a contact summing up the year with vladimir putin on december 14 at 12:00 moscow time. i’ll teach you the first lesson, you need

to look up at me, and then hit the brakes, shupari while i’m not a playboy, but just a mista , a small place, because of the market i’ll answer with my head when i speak, i’m watching the broom, look at my manicure, if you’re with me, you’re not a manicure, northern woods glazed beach, where would you be was and would not be, catch courage, catch courage, courage, catch, catch courage, catch courage, catch, catch courage, catch courage, courage, catch, catch courage, bring courage, if you are with me, what should you do to enter in courage, flight, music, wine , beach, my family’s dad saves camouflage, because all

you need is makeup, i myself don’t care i'm not rustling anyone. and i don’t carry wild garlic with me , you know, this is not a fight, wushu, don’t slow down , let’s kurashun, look at my manicure, if you’re with me, you’re not a pimp, north pole, glaze yarn, wherever you are and not there was courage, catch courage, courage, catch, catch courage, catch courage, catch lagbi courage, labi , courage, courage, labi, labi, courage, labi, courage, if you are with me, wherever you screw up, wherever

you were not. if you are with me , wherever you are, be courageous, if you are with me, be courageous, courage, catch, catch, courage, catch, courage, catch, catch, courage, catch, courage, courage, if you are with me, labi , courage, courage, labi, labi, courage, catch courage, catch, catch courage, catch courage, courage, catch, catch courage, love, courage, if you are with me.

this is a podcast 20 years later, me and its host konstantin mikhailov, our guest is mr. maloy, aka andrey tsyganov, an