st. petersburg stock exchange, my assets were frozen , infrastructure risks were realized , there are not many options left, that is , either russian shares there, or bonds, or even buy apartments there, that same brick on my head, yes, as i apologize, yes with your friend , it fell, that is, everything that was acquired through hard work, it was frozen and now it will somehow be taken out, well, not everything really, because i still diversified my portfolio, for now... it ’s frozen somewhere there 25% of assets, but i don't despair because i'm now in the stage savings, on the contrary, i find interesting periods when everything falls, when everything in the world is unstable, why? because when everything is cheap, i can buy more shares, more assets for the same thousand rubles, returning to strategic goals, and what deadline have you set for yourself, or is it in fact, how it turns out, it will turn out that way, or there is some kind of goal , that is, at what age do you want to stop. from work, i would like to stop

actively working at 35 and continue to engage in some more creative activities, and not be beholden to someone do something, at 35, how long do you plan to live? i would like to have enough, ideally, of course , enough, that is, in fact, there should be enough money for 65 years of my life; i won’t have all this money in 5 years at the time of my thirty-fifth birthday. i plan that for some time i will make money on some of my own projects, after all , in the end, this is about retiring early, this does not mean that you hang up your paws and just withdraw money from your account and receive it, i i don’t understand at all why i should live, you know how it’s like, again, as an anecdote, doctor, if i don’t i will drink, smoke and communicate with women, i will live, the doctor said you will, but why, i have the same approach, that is... this,

by the way, is the next question, yes, aren’t you afraid that at 35 years old you will achieve your goal , that’s it, apathy will turn on, but no, i’m not afraid , in fact, this is the main argument of the opponents of fire, who say, well, how can it be, you’re so young, you’re 35 years old and you’ll retire, but but for me and the supporters of this movement, retirement is precisely the opportunity to do what you want, you have something new reminder, events, results of the year with vladimir putin. don't forget to turn on the tv. december 14 at 12:00 moscow time. you are watching the podcast easy money on the first. today we are discussing the topic of how to save money and 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 years old, when the first year begins. i'm serious.

absolutely, because if this is not there, these are all words, and there will be nothing only if you have a clear picture of how you will live this year, by the way, this is advice, a life hack, and for our audience too, if you set yourself some kind of goal, then the goal should be as drawn, detailed, and planned as possible, then it will come true, because if it’s simple, well, i i would like to go somewhere, where, well, to the maldives, yes, there will be no maldives, no trips, nothing, so have you planned out the first year of your life after the fire? i didn’t write down the days exactly, but i have an idea, there are some large strokes there, yes, yes, large strokes, i’m already slowly preparing for a big trip, i have a dream that i will buy myself a mobile home there with part of the money i earn and how much it costs, it’s literally a couple of million, i’m not going big, dear, no, well, specifically, that should be written down, i’m looking, i’m buying , this is how the house works, so it costs 2 - i take my wife and... together

we go on a trip, first across russia, i have a dream to travel through russia from kaliningrad to vladivostok, see all the cities, live in different ones along the way places, force majeure, a child is born before thirty, or it can’t be, formalities are excluded , well, i don’t plan it yet, my wife doesn’t plan it yet, how did we come together in our affairs, how does she feel about this process, by the way, she says: that in our world it’s difficult to predict something, even , what will happen in a year, and i was aiming for an early retirement, so she doesn’t save money for me, as if for the two of us, i can say, i save it, uh, but she provides for the current life, for example, i don’t i would spend money on a trip, but she says i want to go there go to egypt to 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 will the best when you find it. you want such a partner in life, you think long-term, your partner is short-term , you palantate each other, she is my colleague, she is also an editor, she writes, edits articles, great, who earned more, or she, i earn more, and so do you there is a marriage contract, but no, she is not afraid of the fact , let’s say you live another 5 years, at some point she will say, you know, listen, i met this person, i was struck by sudden love, it turns out that she endured all this .

who perhaps wanted to adhere to such a movement, their first task is to get rid of loans there, then buy an apartment for themselves, this, by the way, is also an important idea, for many for some reason there is such an ideal to buy an apartment there in moscow or in some other large city ​​and people swell hugely the amount of money is simply in concrete, which stands and sucks up this money instead of putting this money into the account, which is what i think, for now i live in moscow, but before that... we lived in the moscow region and in which area is this not a secret? if i say in khamovniki, you’ll probably think that i’m too greedy, cool people live there in khamovniki, but we have an apartment in a simple nine-story building, this is my mother’s very district,

but in the soviet union they gave out apartments, it was bad for her, so again, thanks to your parents, here, but that is, you live with your mother, no, uh, mom moved, we bought it for her. then a separate apartment, but we live in a two-room apartment, mom in a one-room apartment, listen, well, that’s great, you were able to earn money to buy an apartment for your mom, or is it jointly with your mom, together with your mom, yes , i understand, great, that is, now you as i understand it, you rent it out, we rent it out - 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 such a not-not-a-solid follower of fire, that is, you allow yourself excesses, because according to the idea is that the money received is from income, from renting out an apartment, money, that is, it’s just total income, what difference does it make whether it’s a salary or not, in theory, they also need to be taken 50%, then invested, i agree with you, i’m just trying to balance between in order to save for early retirement,

so as not to go crazy, because you are absolutely right, human psychology is such that when it is unclear for what, our brain is not used to living in the future, it is used to living now, when you deny yourself , you tear off something from a nest. the date is quite difficult, i tell you i’ll tell you how it works, we each have a little me inside, yes, relatively speaking, there you have a little alexey, and there, i have a little misha, yes, which, this is that same inner resource, who manages your life resources , that is, at some point you came to him, says: listen, let’s be patient, now we are developing a business there, or we are working there now, we need money, here, i need strength, it is you who ask him for strength, you receive strength, but... you must 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, 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 the next time you

come for resources, he says: listen, dude, excuse me, please, now here’s an exact copy, but he’ll say, go, you know where, and you are left without a vital resource, your eyes actually go out and you don’t understand why, and most importantly, where? with me this happened just because of this, i was also being treated after the death of a friend, so i now understand that yes, i need to save, i need to put aside half, as if, well, i limited it for myself that i have a salary from it, i save half of it, but there are some incomes that, well, don’t allow me to live in an apartment i earned money, and my mother , so well, in ideology, this is the same income; if you play like this, play honestly according to the rules, there is income, well, well, give it to your mother.

okay, let's say you spend, well, let's say, let's say you spend now how much 100.00 in month, 1500 per month, you need 1.200, well , let's round up to a million, so you shout accordingly. in years you should have 65 million, am i right? not really, because i’m going to receive some more money after 35 years, 40, 45, rather, it’s also possible 45, 45 million, that is, you plan to save 45 million in 5 years, including investments. 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 around 20. no, 22 million, that is half, that’s good, and we don’t

now take 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 there with real estate, but on a larger island in one of the largest economies in the world, and so real estate has fallen in price there by up to 40%, this can also happen, but you don’t include it, it’s in your formula for business. model, i always have the option to continue working, that is, if the worst happens, but what i can’t help it, i’ll move on, but what about the whole purpose of living, that is, it turns out, well , you can’t imagine that some kind of blow is moral, emotional, that is, you live, you’ve already lived to see this day, especially since you have it planned this plan with the purchase of a trailer , i don’t know the car there at home, yes, suddenly something happens, or in the thirty-fourth year you understand that this is another plus 5 years, where can you find strength from that inner alexei, from lyosha, yes, when you you’ll come to him and say: sorry, dude, yes, you lived there for 5 years, it’s unclear how anyone, yes, i’m here in general, i almost died, and goodbye

, but it’s a good question, but i’m close to the words of the founder of this movement, mr. money mostesh, he said: “people focus too much on why it won’t work, instead of focus on what to do to make it happen. you are watching the easy money podcast on the first, today we are talking about the topic of how..." to save money and retire at 35. so, what are you doing now specifically, you will get there, i don’t know, half of them are 50-70 thousand of your income, or 100,000, where will you put it? i’ll put it in liquidity funds , which now give about 14% per annum, our rate is still high, let ’s explain for our audience that, in principle, if you are not such an advanced investor as alexey, then a replacement for the liquidity funds mentioned. may well become a federal loan bond, which now gives an excellent

yield of fourteenth, that is, 14 % per annum, and i think that if the central bank with 15% is possible to tighten monetary policy again, the rate will be even raised, perhaps the figure for this profitability will reach 15, well, in principle, banks now give a similar profitability, so that is, you deposit funds with the expectation that monetary policy will tighten, liquidity funds will instantly react. buy long-term bonds , you have to wait, wait for signals from the central bank that

it seems that everything is over, we have passed the peak of inflation, then everything, in fact, from liquidity funds to long-term bonds, and in fact this may already be enough to relax, then this is the strategy , constantly buying more, and well i also balance it all with stocks, that is , the entire portfolio, this is a risky asset, you understand that this is not a fixcom, yes, but stocks and during the period of capital accumulation are a good option, because it is a risk, but since i have safety margin 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. do you take dividend histories or look exclusively at stocks, or are dividends also taken into account? i'm actually not a supporter dividends during the period of capital accumulation, because taxes have to be paid on dividends. these are losses, but why should i lose something anyway, if during the accumulation period i reinvest it back, then it’s easier for me to buy

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 about one, two, three, how diversified is your portfolio in stocks, stocks are now about a third of my portfolio, before it was more, but i... had to to reduce the share, i sold, 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, probably, and that is, did you pass the exam or based on availability? i actually gained momentum, so i used to actively invest in american stocks, but after the twenty-second year, partly for ideological reasons, and partly because of infrastructure risks, i decided that it was better to get rid of them , fortunately i did the right thing, because literally a week or two ago they banned russians

generally trade these shares, instead i started buying chinese shares, unfortunately they were frozen, but i plan... after unfreezing to continue to buy them, because chinese shares are now generally at a historical low, especially chinese high-tech, taking into account the signals, which messages, and if it is not capitalism that wins in china, well, even so i would say state capitalism, or rather, let’s say, state capitalism will win completely, and will say that you know, we prohibit everyone, non-chinese , from buying shares, everyone who has already bought, everyone we forgive, anything can happen, in the end, the 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 them 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 believe in this future, if

it doesn’t happen, i can always sell apartment and live on it, or go to work you know such... a pumped -up follower of the movement, yes, that is, you always have an apartment, your wife also has an apartment, okay, in your life plan you allow the birth of children during these 5 years, and i also allow , probably, when the situation in the world becomes calmer, if this ever happens, then it will be that children are born according to plan, well, it seems to me that among the fire supporters, yes, they plan, well, with love. it’s present, well, when love and the economic situation coincide, then it’s already possible to the children should think about it, well, that is, don’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’m going to drum,

all your fires, not fires, i want children, you’ll agree on this? and i think yes, you will run to make adjustments to the planform and send you expenses, i, as a father of four children, i can tell you how it works, money is not the goal itself, the goal is to be a happy person who can afford to live the way he wants, if we want to live with a child, then okay , we’ll have to earn more, as you said, not only spend less, well , i think this is the right approach, in fact the goal..

liva, i don’t know how she did it, she foresaw this explosive real estate growth in 2003-4, i even took out loans, we took out loans, and well, naturally we tried to minimize this by borrowing from friends - almost interest-free in order to to buy apartments, in the future, a loan - this is an integral part of the life of any

successful person, even here the guests were sitting and talking absolutely beautifully about credit. because it ’s just a tool, therefore, sometimes it’s more profitable to take out a short loan with a normal interest rate, and there’s a non-crazy one with collateral with everything at 10, 15 per annum, investing this money, receiving some 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 i buy, and what it will cost me, interest rates and so on, so i... that is, i certainly, when children began to be born, i and we began to raise them, then of course every soviet person had this goal, to buy an apartment child, although... no one bought me an apartment, that is, i was involved in investment, i was engaged in hired work at a fairly high level, and i never thought about what part of my salary i save,

especially not didn't think about it in the context of pensions, me the word pension also comes into play here, because just like a person’s name, 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, but another thing is mikhail, and i’ll grow up there or vladimir evochka , yes, these are two different people who will grow up, and it’s no coincidence that when they want to show a powerful, strong-willed woman in some plays or productions, they usually call her marina igorevna or something like that, yes, but not in in no case is there some kind of varnish or mashenka, it’s the same here, the more often you say the word pension, but here it’s built right into the abbreviation, i’m very afraid that you’re starting to think like a pensioner, you’re starting to lead, you’re running, that is... it’s such a rat race in reverse , that is, you will run , you will die, well, in my opinion, because i don’t see what you are living 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 ideology of the amateurs and followers there, because from their point of view, this is a crime, good, but i never wanted to live there.

i really don’t think that the profession of a psychiatrist is very important here, of course there are many doctors among writers among science fiction writers , well, there are dentists and therapists and surgeons and this does not interfere, but strictly speaking, a medical education probably gives some kind of advantage , like any education in general, teaches you to look at the world systematically, and since childhood i loved science fiction, and for me , as it were, the main... favorite technique when i started writing was precisely to bring it into the world some unexpected fantastic assumption, and after a single assumption appears, you can see

what is happening to the world. is it possible to teach to be a science fiction writer? this is a difficult question, can you help me learn? you now have two projects at once, as far as i know, these are the stars over donbass one and another workshop, because people were completely cut off from the media environment, they could not see their favorite performers, writers, and we came , met with readers, just showed

that they had not been forgotten. and as for literary workshop, here really, i think this is a very important, big deal, a writer is a very lonely job, a writer for the most part sits at home at the computer and writes: you know how in the first years of soviet power writers were given the title of a solitary artisan without motor , that’s how we remained, only we got a motor, a computer, and in order for ... a writer to develop creatively somehow, he needs to communicate with colleagues, he needs to listen not only to the voices of readers, everything is clear there, there will be those who will shout, this is the best book i have read, and those who will shout that this is a terrible graphomania, stop writing altogether, this is the opinion of colleagues who also write, support them, criticize them, this is very important, and for this how since they existed

before...

hey, they continue to communicate, argue , show each other fragments, that is , they have the opportunity to communicate, i want to get to this boiling point, but what if i just wanted to, well, that is, i’m not a writer , i have a great passion for writing an indirect relationship, but i would like to know how to do this, well, it’s just difficult to get there, because it’s really a selection process, and people come who have written their first, there is a second novel that they are writing. perhaps next time we will do some kind of truly open event, where you can come and watch. do you often go out in public? well, if in the format of training, working with colleagues, with young authors, then for the first time. that is, we had, no, we had, of course, such kind of events, but they were usually one-day events, yeah, within the framework of some fantastic festival, they met,

talked, discussed the works of young authors, but as a rule, it was a short form, stories, all this lasted there for 3-4 hours maximum, well, i don’t know, it’s not very serious, but here it was full-fledged, there is an opinion that there is a deceived generation, well, this is about my age, maybe a little older, these are people who were brought up on soviet science fiction and who had a general a belief formed by science fiction writers, again . that, in principle, by 2023 we will already be on other planets, we will have a completely different world, and now that none of this has happened, but this is a phenomenon, and how much do you feel that such a generation really exists, maybe you yourself feel the same way about it , well, in some way - at least when i was still a very young man, i ran a club for science fiction lovers. i was about 20 years old and corresponded.

just paper mail with similar clubs from other cities, then still the soviet union, and i remember that when our reusable spacecraft buran flew, they wrote to me, well, we just talked, people from some distant corners of the country wrote, yes, what a holiday for them, that we are starting to seriously explore space, that they were waiting for this, then yes, indeed, there was this expectation, not only among us, by the way, ray bradbury wrote... literally about 10 years ago, in some article, about the fact that we were supposed to be on mars now, we should have lived on the moon, but instead we traded everything for the fact that our mobile phones became thinner, and the screen shows a lot of colors , i have a test, i tried it when covid hit, i went to study to become a writer, and before that i studied at the film academy and started writing my first script, here is my first

script, which i put into...

i remember in february we were flying from abroad with our family, and we simply saw that part of the plane was sitting in blank masks, we were somehow even amused by this, what a panic among people, and a week later we arrived in the city of london, and

london gave the impression of a city london from american post-apocalyptic movie, because everything was practically empty, we went into a huge bookstore in the store.

somehow conflict, well, yes, i removed oil and gas from this world there, i decided to see what would happen, there are several such interesting worlds, there is a world with victorious feudalism, which developed to the modern level and so

on, the picture there was quite interesting from different worlds, unfortunately, of course, the film only managed to slip around the edge, not always successfully. i'm roman karmanov, and i'm elena kiper, we continue conversation with sergei lukyanenko, to what extent are social networks really able to guide us now? should we, for example, give up on them at least to some extent? i think that, of course, it is necessary to distance oneself, because, well, you see, there is such a cumulative effect - the accumulation of surrounding opinions, a person goes online, he has some views, he involuntarily finds like-minded people, they begin to support these views, and the person radicalizes very quickly, here it is -

the conditional virtuality of networks, it was a kind of shock, many just found themselves in the depths and began to choke, for the generation that followed there, maybe those born in the early 2000s, but yes, it was such a very full-fledged environment and they splashed around with pleasure in it, and the current one is already suitable somehow differentiated, that is, i was convinced many times that children grab, say, some... box with a board game, lay out some

figures, cards on the floor of the table, so they play it with no less, and then with much more pleasure than in some online games , but if they offer all the feelings, i apologize, in general, if there are offers, then part of the population will certainly take advantage, but this is still very far away, and how do you yourself react to the appearance of various new products? are you going to explore what's there? or just generally tune out this? no, well, i like some things, i go and research some things, i reject some things, i just understand that i don’t need it, there’s an interesting gadget, an interesting technology, then i think, so, in fact, where will i use this wonderful gadget, it’s not needed for me specifically, someone needs it, well, i’m trying to approach it more sensibly, you ’re visiting, the great soviet. a person

who thinks that he is talented or untalented , he has the opportunity to eat a pill, and if he is really talented, his talent is revealed, he begins to write with terrible force, and if the untalented one turns into a vampire, he basically begins to walk and eat like a zombie people, at the dawn of your activity, when did you realize that the pill was possible? in general, eat already, well, in fact, a writer, when he even wrote his first story, he should be generally confident that he is a genius, at least potentially, without this, without this, you cannot do this work, because you’ll look at the shelves of bookstores and you’ll feel bad, and you’ll think, what am i doing, why am i still writing something, they ’ve already written so much, but in a good way, it was probably a book... an atomic dream, i had so old, old, completely written,

i think, when i was 20 years old, a story, when i wrote it, i suddenly realized that it was more or less good, i realized that i was succeeding, and somehow noted it for myself, so it was joyful, then it was a few more such works , there were autumn visits, after which i realized that i had written a good novel, there was a spectrum, a few more books, that is... well, they ask, of course, they ask, they ask, because the scheme is when a person spends all day works, and in the evening she sits and writes something, well , somehow even in her youth she can ride, when a person is already 30-40 years old, then in the evening he still wants to relax a little, and not

take up a second job, writing is also work, i now simply advise everyone, i say, go, do electronic publishing, because young people now really love this format reading, like reading from a tablet, from a phone, and so on, there are a lot of sites where authors are exhibited like this, and people pay there, well, a person announces a subscription, says: i’m writing a novel, read three chapters there for free, if you like it there for 50 rubles you will read to the end. there or for 100, who evaluates their work , as a result, some authors become super popular, earn big, really big money, but here there is another danger, because the reader is a person who wants to get what he already has all the time i liked it, here’s a young author

, he wrote his novel, everyone there shouted hurray , the man suddenly made money, he’s 20 years old there, he wrote a book, he earned more money there in a couple of months than... now i’ll write a new one, no, he’s writing a third one, but it’s necessary, he sits down, writes a second book, so , after which he says to himself, no, i’ll write a new one after all, i’m a writer, he writes a completely new plot, all his faithful readers say: ugh, this is not at all what we wanted and he sees that... he is a financial failure, as a result a person begins to earn money, a young author, but he is forced to work purely at the request of the public, you always write what you feel, what you want, what you have torments, almost always, i tried a couple of times to work, let’s say, to order,

usually this was associated with some kind of computer games, that is, people create a computer game, it is interesting, they have the idea that if... a famous writer writes a novel about our computer game, then it will become even more popular. yes, this works in principle, but when you write such a novel to order, you are convinced, motivated, you sit and write, but you feel that, in general, you are not doing what you wanted. this is a very unpleasant feeling, i wrote books like this a couple of times, but i don’t really want to repeat it. there is recipe for how many hours a day should you invest in writing? well , there is such a good rule, to write at least a little every day, at least half a page, at least a page, to be honest, even if a person writes a page every day , one page of computer text or

word, then he will write a couple of novels in a year . stephen king has banned film adaptations of several of his works, not just stage adaptations. in the theater, they were associated with the fact that children, just like in american schools, over the past 10 years these cases repeated, to commit murder with children, and he forbade it, categorically did not give anyone permission, but you have such, perhaps not, i know what he’s talking about, king has several stories about teenagers who carried out a school shooting there, to be honest, i haven’t written such things, and... in general , i don’t think these books by kingato are the best, well, let’s get back to the industry, after all, yes, indeed, the western industry has captured our market for some time, but it’s quite obvious now it has partially subsided, but subsided along with the interest of our citizens too, that is, they...