[00:02] think you can only lose money to scammers, or Telegram, or Larisa Dolina's scheme, then I hasten to put your mind at ease. You can simply do nothing, not spend them anywhere, and by the end of the year be left with empty [00:16] pockets. It's good that with pockets you can be left without pants at all. How can this happen and what can you do to save your savings? Let's figure it out. We'll start with the most obvious risk. This is from the banking [00:29] system. For some reason, most people are convinced that if money is sitting at interest in a large bank, like Sberbank or VTB, then everything is fine. That is, it’s like some kind of safe. And another 15% drips from above. Absolutely beautiful. Well, [00:45] of course, this is just a theory. But we live not in a theoretical, but in a practical world. In practice, things are completely different. In a bank, your money lives by the bank's rules, not yours. Transfer limits, [01:01] yours. Transfer limits, account freezes, and transaction blocks are something that account freezes, and transaction blocks are something that transfer a couple thousand rubles, there are no problems . As soon as the amount gets [01:14] higher, questions start to arise, and blocks start to freeze your transfers. My friends and I have already been in several situations, but, people, we are certainly not poor. And so, it would seem, you come to the bank, want to withdraw your [01:29] money from your account, and a beautiful woman at the bank branch asks: “Why do you need your money?” What do you mean, why? For what? Why do I want to withdraw money from my account that I earned and paid taxes on? [01:44] I put them into my account. And there is some banker here who decides whether to return my money to me or not. So is the money in the account still mine or is it no longer mine? And if you are running a business, for example, or you urgently need a large [01:58] sum of money, just imagine the absurdity of such a situation. I personally transferred money for a deposit on an apartment and the payment was frozen on suspicion of was frozen on suspicion of fraud. Frozen for 24 hours. [02:13] After 24 hours, I was asked to go to a bank branch. I think this is wrong. And while you're writing in the comments that this is all done just to fight scammers and, so to speak, for our own [02:26] good, I'll tell you that this story is far from new. In the nineties, people simply had their deposits wiped out. In case any of you have forgotten, let me remind you that before the collapse of the USSR, people had savings in so-called savings banks. For many, this was tens of [02:42] thousands of rubles. At that time, this was simply a huge amount of money. Many people planned to use them to buy apartments, cars, and give their children a start. Plus, there was perestroika then, and many people were thinking about starting a business. But in 1991, [02:57] Pavlov’s monetary reform took place. Some of the banknotes are simply declared invalid. The exchange takes place with limits and in a very short time. And even then, people physically don’t have [03:11] time to save some of their money. After ninety-second year, the so-called price liberalization. Prices are released at one point, and inflation shoots up by 2,500% over the course of a year. [03:23] Even cryptocurrency couldn't beat this record. People still formally had money in their accounts , but their purchasing power had evaporated. That is, in the ninetieth year for 10,000 rubles. it was possible to buy a car. And in [03:37] 1992, for the same 10,000 rubles. a couple of blue hens, and, probably, I'll buy my wife boots. In the 2000s, accounts were frozen. In the 2010s, the central bank began to purge the banking sector and began revoking [03:52] licenses, as a result of which many depositors again lost money. And now they are introducing all sorts of restrictions, of course, only for your protection in the fight against fraudsters. Well, you see, yes, they deceived two or three illiterate [04:07] grandmothers, but everyone should suffer from it. The money in your account appears to be yours, but you are not guaranteed access to it. And I want to ask you the question again: is the money in your account yours or the bank’s? Let everyone answer for themselves. [04:24] And I'm not even talking about cases where you wrote something undesirable to politicians in the comments and were declared an extremist. literally in one day. And that's it, your accounts are now blocked. And you might tell me: “Well then don’t [04:39] write anything.” But we know that the law is a drawbar. Wherever I turned, that's where it went. 1913, 1915, 1910 . Judging by the decisions, the law [04:51] has no statute of limitations. You were recognized as an extremist in one day. And that's it, goodbye . You will never have access to the money again . Risk number two is, of course, inflation. And not the one in Rosstat reports, but the one [05:05] on store shelves. Food, medicine, equipment, services, repairs, cars. Over the past 5 years, price growth has outpaced any interest rates on deposits. [05:17] Just the housing stock, that is, apartments over the last year, over the last year, not over 5 years, have increased in price by 40%. It seems like you have the money, but the amount is growing. And the list of what you can afford with the same money is [05:32] smoldering. This is especially noticeable on large shelves: apartment, car, medical treatment, children’s education. You put it off, put it off, put it off, you try, but the goal keeps moving forward. Five years ago I could have bought a nice [05:48] apartment and a car for rent for 10 million. Now, for that money, I can buy, well, probably the same car. It's just that it has doubled in size over the last 5 years. Well, as a bonus, I’ll pay another 1.5-2 million rubles for the recycling fee. And while [06:02] auto experts are exposing me in the comments and writing that I wouldn’t have 2 million rubles. I spent it on recycling fees, they will give me, so to speak, all the calculations in the comments, I will advertise my Finzvezda school. This is an online school that has been teaching [06:17] investments for several years. Investments that allow you to live and feel comfortable in any conditions. the same during the crisis. Scan the QR code and check it out . The third and most tangible risk [06:31] is loss of income. Many of you will probably say: "Well, I work there for the government or for Russian Railways, for example. I have a stable job, Artyom; many people have worked here for 10 years." By the way, the irony is that I'm recording a video right now and [06:46] just today they announced that a large-scale staff reduction campaign has started. will be reduced by approximately 15%. 15% of people, that's thousands of [06:58] people, thousands of families, who will lose their jobs, including senior positions. And there are dozens of such examples. This is a large company, this is Russian Railways. I won't even mention any small individual entrepreneurs . Starting in 26, [07:14] individual entrepreneurs began filing for bankruptcy and began to close. The reason is clear and obvious - it is the increase in the tax rate. But if an individual entrepreneur closes his business, the work is also carried out on specific employees who were involved in this [07:28] business. And then everything happens in a chain. And here I want to ask a question: what exactly will you do if you are laid off tomorrow? Not someone there at [07:40] Russian Railways, not someone there at the Supreme Court, but you specifically. What will you do? Entire professions decline within a year. Entire business lines, such as marketplaces, are being completely left behind. And if at that moment you don't have some kind of [07:54] reserve, some kind of financial cushion, no flexibility, then you won't have flexibility and alternatives, you'll quickly fall down, along with loans, obligations, and a normal standard of living. In short, the situation is not the most [08:11] pleasant, but as always, the weakest link will suffer. If you don't want to be that weak link, then listen carefully and apply the pattern I'm going to tell you about next. In the current conditions, this scheme is not just about [08:27] investing, but something else. This is a survival scheme. If you don't money you earn must be shared. What is needed is simple money management. I have a separate course, it’s free, the link to it [08:42] will be here. So scan the QR code and get to know it. Everything is absolutely free. Powerful lectures, not an infestation of warming up without water. There you will find more detailed, in-depth information. But to put it [08:56] briefly, money for living, money for growth, money for entertainment and a safety net. All this should be in different piggy banks. If you don't have your finances in order, your budget will be drained . It's just a matter of time, even [09:12] if you have a high income, especially if you have a high income, because you will have high expenses. And when you lose wages, you're left with high consumption at a low income level, and that delta will [09:27] correct itself, of course, not in your favor. Furthermore, part of the capital must be outside the banking system. Not all, but noticeable. I could tell you now about cryptocurrency, that there are some X's there. Let 's leave it to the zoomer. This does not guarantee [09:43] purchasing power. But what guarantees the preservation of purchasing power is gold bullion. Gold has survived wars, defaults, currency changes, and paradigm shifts. Gold always holds its value. And maybe gold seems so [09:59] old-fashioned, and I agree to some extent , but we're not going to buy just gold. If you're an advanced user and use digital crypto assets in cold storage, that is, in a cold wallet, [10:12] it's just a cold wallet, it's essentially your personal safe, hidden from view. Where is the amount of money that you are willing to keep outside the bank, outside the banking system? Of course, there are questions about cashing out cryptocurrency, but when [10:27] that time comes, I think you will find ways. Without intermediaries and without restrictions. Well, it will be very difficult to steal your cold wallet . Yes, even if they steal without a SIT phrase, they won't be able to withdraw [10:41] the cryptocurrency. Cash also saves, ordinary cash in foreign currency and liquid assets. Not everything in a row, but there are options too . I made separate videos about this . I will leave the link in the description and also via this QR code. Another very [10:57] important point that for some reason everyone ignores is your skills, your future income. It is not guaranteed for any profession. Frankly speaking, no one needs a diploma in 26, except for some [11:10] companies where you work, where a diploma is required. People who survive in a crisis are not those who have some nice piece of paper, but those who have certain skills and qualities. And again , I say this also as an [11:23] entrepreneur. I have employees working for me. To be honest, I wiped my ass with their diplomas. I don’t care at all what grades they have there , what is written in their profession. I hired them for some [11:35] specific skill, for some specific quality. Mobility and skills are key. If you don't have the skill, you will never make very much money. By skill I mean solving a specific problem for specific [11:49] people. This is the only way you can get paid. It doesn't work any other way. Let me give you a small example. Here are two videos in front of you now. One video was made by one editor for 2,000 rubles. Another video was made by another editor for 3,500 [12:04] was made by another editor for 3,500 rubles. These videos are essentially the same, meaning I'm telling a story, but one video has artificial intelligence, and I paid more for it. And the other video doesn't have any artificial [12:16] intelligence, and I paid less for it. This does not cancel the diploma. If you are currently studying or your parents are paying for your education, then, of course, continue studying, because any diploma is better than none. But [12:30] listen to what I'm trying to explain to you. Between two employees, one who has a diploma and no qualities, and one who does not have a diploma but has qualities, I will choose the second one. I'll choose the one that has quality and no warmth. And an important point: there is [12:46] inflation in skills too. What you were able to do before may no longer be liquid, and therefore you need to constantly learn. Moreover, a crisis is a time of opportunity. Everyone has heard this phrase. But why is this true? Because [13:00] in a stable competitive market, a small company cannot compete with a small company cannot compete with a large player. And when everything collapses, it makes everyone equal and new opportunities open up. Take a look at [13:14] the brands, too. How many brands have left recently? Well, I think there are dozens, even probably hundreds. How many guys came up with their solution and made millions from it? It's simply thousands. But if the old whales of the market had been [13:27] in place, they would have had no chance. And there are a huge number of such examples around us. You all know them very well . There is no point in me repeating what you already know. What I mean is that where one loses, another will find. In a crisis, [13:42] money simply loses its owner, loses its owner. In the next 12 months, the risks, frankly , are not about doing anything wrong. The risks are in doing nothing, or doing everything the same way, [13:57] storing everything in one place, trusting the numbers in the app, hoping for stability, hoping for some kind of Santa Claus to come , yes, something in the management will change , the system will change, and everything will be better. It won't be better if you [14:10] start acting while everything is relatively calm, at least you will have a choice. And if you wait for this Santa Claus, if you wait with the sea of ​​​​weather, the choice will be made for you. I hope this video was helpful and brought [14:24] you at least a little closer to understanding where we are. Earn happily, check out my investment school. Until next time.