here are cherries optimization is what, in my opinion?m an opponent of saving, because the word saving is not a resource, it is generally saving makes people sad and sad - it's about the fact that we limit ourselves in some expenses, we forbid ourselves to spend money on something that we like, optimization is the redistribution of our expenses between items so as to find money for the joys of life and for important financial goals, that is, do not offend yourself, and i believe that in fact long-term savings are generally harmful, and i can say this from my personal experience, now you are sitting in front of a person who has committed the greatest stupidity of his life. a that was before i became a financial advisor. and my husband and i took hmm an apartment on a mortgage, and in dollars. and when , after the divorce, i stayed with this mortgage, it was 2011, the dollar was growing, and i found myself in a very difficult situation, and i know what it is to save. i really saved for 3 years when the savings ended. well, that is, my credi

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