zakharov. thanks a lot. well, to you, our respected interlocutors, i, dmitry bak, host of a literary podcast, don’t let themast, i’m its host , mikhail khanov. i think that many of our tv viewers, especially after they started watching our podcasts, our audience dreams of retiring early, and generally thinks about it. about what a pension is, how it is, why it is, why it is, and most importantly, how much it is. in fact , there is a whole movement, it’s called faya, whose followers want to retire very early, yes, by our standards, this is at 30, 35, 40 years old, and today we are talking with a follower of this movement, a private investor, alexey malakhov , hello, alexey, hello, let’s try to figure out how realistic it is to retire at 30, and most importantly, why. and what for does this need to be done? well, let's start with a simple question, what is faiya , yes, the financial independence early movement, yes, that is , it is financial independence, early retirement, how it originated, when and what it is, is this a real movement, a party, or is it just such interest club? well, it’s more of a club of l