[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.rakai.cz\/financni-gramotnost\/#Article","mainEntityOfPage":"https:\/\/www.rakai.cz\/financni-gramotnost\/","headline":"Finan\u010dn\u00ed gramotnost","name":"Finan\u010dn\u00ed gramotnost","description":"\u017dijeme ve sv\u011bt\u011b, kde je n\u011bjakou dobu zajet\u00fd standard, kde bychom m\u011bli poslu\u0161n\u011b 13-20 let studovat, abychom se p\u0159ipravili na jedno z n\u011bkolika lukrativn\u00edch zam\u011bstnan\u00ed a str\u00e1vili 50 nebo v\u00edce let v produktivn\u00edm zam\u011bstn\u00e1n\u00ed 8h denn\u011b, 5 dn\u00ed v t\u00fddnu, hlavn\u011b tedy platili dan\u011b – zdravotn\u00ed abychom vydr\u017eeli co nejd\u00e9le, a soci\u00e1ln\u00ed na d\u016fchod, kdybychom […]","datePublished":"2019-11-25","dateModified":"2023-06-05","author":{"@type":"Person","@id":"https:\/\/www.rakai.cz\/author\/#Person","name":"","url":"https:\/\/www.rakai.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/b653a05acc9928bc50547a0b6ed51698115bbf59840455a4bc9d337f928ec9d6?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"rakai.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.rakai.cz\/wp-content\/uploads\/img_a361001_w3899_t1574520772.jpg","url":"https:\/\/www.rakai.cz\/wp-content\/uploads\/img_a361001_w3899_t1574520772.jpg","height":0,"width":0},"url":"https:\/\/www.rakai.cz\/financni-gramotnost\/","about":["Finance"],"wordCount":506,"articleBody":"\u017dijeme ve sv\u011bt\u011b, kde je n\u011bjakou dobu zajet\u00fd standard, kde bychom m\u011bli poslu\u0161n\u011b 13-20 let studovat, abychom se p\u0159ipravili na jedno z n\u011bkolika lukrativn\u00edch zam\u011bstnan\u00ed a str\u00e1vili 50 nebo v\u00edce let v produktivn\u00edm zam\u011bstn\u00e1n\u00ed 8h denn\u011b, 5 dn\u00ed v t\u00fddnu, hlavn\u011b tedy platili dan\u011b – zdravotn\u00ed abychom vydr\u017eeli co nejd\u00e9le, a soci\u00e1ln\u00ed na d\u016fchod, kdybychom ten koloto\u010d n\u00e1hodou p\u0159e\u017eili, zjednodu\u0161en\u011b stav kdy na za\u010d\u00e1tku m\u016f\u017ee\u0161 investovat sv\u016fj \u010das do sebe samotn\u00e9ho, tedy do vzd\u011blan\u00ed, experimentovat a naj\u00edt \u010dinnost, kter\u00e1 t\u011b bude bavit a z\u00e1rove\u0148 p\u0159in\u00e9st hodnotu ostatn\u00edm a zlep\u0161ovat lidem kolem tebe \u017eivot a jako vedlej\u0161\u00ed efekt ti p\u0159inese n\u011bjak\u00e9 finance, kter\u00e9 z \u010d\u00e1sti nech\u00e1\u0161 pracovat ide\u00e1ln\u011b smyslupln\u011b za tebe, to je takov\u00fd hrub\u00fd n\u00e1m\u011bt.
 
 Poj\u010fme to rozv\u00e9st, prakticky realita je ale \u010dasto jin\u00e1, s \u010d\u00edm se setk\u00e1v\u00e1me \u010dasto, jsou vrstevn\u00edci, kter\u00fdm je 20-30 let, jsou podle norem velmi inteligentn\u00ed, ale chyb\u011bli ve \u0161kole na jednom p\u0159edm\u011btu, kter\u00fd se nevyu\u010doval, a t\u00edm je finan\u010dn\u00ed gramotnost. Potom se st\u00e1vaj\u00ed ob\u011b\u0165mi syst\u00e9mu, pracuji v prosklen\u00e9 krabici 12h denn\u011b, bydl\u00ed v ob\u0159\u00ed krabici na 30letou hypot\u00e9ku, kde tr\u00e1v\u00ed noc a do pr\u00e1ce, jezd\u00ed dal\u0161\u00ed krabici, na kterou si vzali \u00fav\u011br, d\u0159\u00edve nebo pozd\u011bji si uv\u011bdom\u00ed \u017ee n\u011bco nen\u00ed v po\u0159\u00e1dku, jen\u017ee jsou v za\u010darovan\u00e9m kruhu, kdy d\u011blaj\u00ed pr\u00e1ci, kter\u00e1 je nebav\u00ed nebo ni\u010d\u00ed, a na druh\u00e9 stran\u011b maj\u00ed obrovsk\u00e9 z\u00e1vazky, ale co je \u0161patn\u011b? Prvn\u00ed v\u011bc je, \u017ee jsme se sice u\u010dili o ka\u017ed\u00e9m letadle v druh\u00e9 sv\u011btov\u00e9 v\u00e1lce, zapomn\u011bli n\u00e1m tam ale d\u00e1t p\u0159edm\u011bt o z\u00e1kladn\u00edm fungovan\u00ed pen\u011bz, nejsp\u00ed\u0161 se spol\u00e9halo \u017ee toto vy\u0159e\u0161\u00ed za ka\u017ed\u00e9ho z n\u00e1s st\u00e1t t\u00edm, \u017ee n\u00e1m ukousne nemal\u00fd procentu\u00e1ln\u00ed kus z v\u00fdplaty v podob\u011b soci\u00e1ln\u00edho poji\u0161t\u011bn\u00ed, abychom potom dostali sm\u011b\u0161n\u00fd d\u016fchod, pokud n\u011bjak\u00fd v\u016fbec, kdy\u017e se pravd\u011bpodobn\u011b ka\u017ed\u00fd z n\u00e1s do\u017eije v\u00edce ne\u017e 100 let. Prvn\u00ed v\u011bc je vr\u00e1tit se zp\u011bt a p\u0159evz\u00edt odpov\u011bdnost za sv\u00e9 pen\u00edze.
 
 D\u016fle\u017eit\u00e9 je investovat \u010das do sv\u00e9ho vzd\u011blan\u00ed v oboru financ\u00ed, v tomto p\u0159\u00edpad\u011b do dlouhodob\u00fdch investic. Tak\u00e9 je dobr\u00e9 v\u011bd\u011bt, co to jsou aktiva a pasiva \u2013 pasiva = auto, d\u016fm (\u010dasem st\u00e1rne, n\u011bco se opravuje, nic s nimi ned\u011bl\u00e1m) ve v\u0161ech p\u0159\u00edpadech pen\u00edze jdou z tv\u00fdch p\u0159ijmu. Aktiva = mohou b\u00fdt to sam\u00e9, auto, d\u016fm, ale auto pou\u017e\u00edv\u00e1\u0161 k podnikan\u00ed a d\u016fm pronaj\u00edm\u00e1\u0161 p\u0159es Airbnb, takto se pen\u00edze vr\u00e1t\u00ed zp\u011bt.
                                                                                                                                                                                                                                                                                                                                                                                         4.3\/5 - (15 votes)        "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Finan\u010dn\u00ed gramotnost","item":"https:\/\/www.rakai.cz\/financni-gramotnost\/#breadcrumbitem"}]}]