Financial Survival Strategy for Russia in 2026 (in Numbers)

[00:02] want, help your loved ones, develop yourself, but for now you work 8 hours a day, 5 days a week and still have difficulty meeting even your basic needs. In this video, I'll show you a simple and mathematically sound

[00:17] way to avoid resorting to extreme savings, buy high-quality, expensive items, and live a full life without debt, loans, or a money-centric

[00:29] mindset. Just numbers and a step- by-step plan. Let's go. In this video, we'll be discussing a financial strategy for making large purchases. For example, a large purchase: a car. Now, in just a few minutes, you

[00:43] will see how even with an income of 100,000 rubles. You can buy a car without loans and debts. So, the first thing you need to do is understand the real price of the chosen car. It's trivial how much it costs on the market. Let's say you are not the son of

[00:58] rich parents and not a deputy. You look at life more or less soberly and want a at life more or less soberly and want a 2018 Toyota Corolla 1.6 automatic. Open any bulletin board, like Auto. Avito or Drom.

[01:11] And we look at live options. Without total and twists. On average, a car costs twists. On average, a car costs somewhere between 1,450 and 1,550 at the time this video was recorded. For the calculation we take the average of 1.5 million rubles. Okay, we've

[01:26] decided on the price. The second step is to determine the time frame. It is very important to be realistic and set realistic deadlines for achieving the goal, but the deadlines should be more or less strict. By terms I mean the period of implementation, that is, the

[01:39] purchase of the car. For example, you want to buy a car not now, but in 2 years. It is clear that we would like to do this now, but we must give ourselves a buffer time to earn money. In 2 years - that's about 24 months. Okay, we've fixed this

[01:56] amount. The third parameter that most people ignore is inflation. Many of you will say: "Well, in 2 years these cars will cost 3 million." And this is precisely our most important third point, the third parameter. Most people

[02:10] always ignore this. And this is precisely inflation in that niche, in that product that you are going to purchase. Not the official general inflation from Rostot, but the real one exactly where you want to make a purchase.

[02:26] Cars are becoming more expensive much faster than normal inflation because general inflation affects groups of goods. But we are interested in a specific product, and its price can rise much faster depending on various factors. I think

[02:41] if you've been interested in cars, you understand that they go up in price by about 10% a year. Of course, you can say that in some year they grew by 20%, but in some year they grew by 5%. Therefore, without fanaticism, let's take plus or minus

[02:56] 10% per year. Now let's calculate the future cost of our purchase, that is, the future cost of our purchase, that is, the future cost of purchasing a car. 1.00 ps 2 years of growth at 10%. As a result, the same Corolla will cost somewhere around

[03:10] 1,850 - 1,900. The accountants would, of course, be stunned by my calculations, but we don’t need, you know, some kind of precision down to the penny. It is important to understand the approximate price, and we must at least have something to focus on.

[03:24] It is clear that this approximate price may be either higher or lower. After all, by the time cars are sold in 2018, they will cost less, but there will also be inflation . In general, everything needs to be taken into account. And from this moment on, a completely

[03:40] real task appears. You want to buy a 2018 Toyota Corolla 1.6 automatic, and to do this you need to save 1,900,000

[03:52] 1,900,000 in 24 months. And now everything is simple. 1.00 divided by 24 months gives approximately 79,000 rubles. per month. Let's round up by

[04:04] 79,000 rubles. per month. Let's round up by 80,000 rubles. per month. And you look at this amount and honestly answer yourself: "I can handle it without any problems if I put aside 80,000 rubles. Will everything be okay for me? And if everything is okay,

[04:19] just put aside 80,000 rubles. But something tells me that nine out of ten men, looking at the mandatory payment of 80,000 rubles, think: "Oh, screw it, I'd rather take out a car loan." And many of you will sensibly

[04:34] protest: "What about the apartment? What about the food? What about payments? What if it's a wife? What if there are children? And it’s completely unclear what will happen there. And you start arguing with yourself and realize that, well, overall 20,000 rubles. I can still put it off somehow. And what if

[04:49] I ride a bike? Yes, no, of course not. With a healthy approach, there are several options. We have option A - to postpone the goal, option B postpone the goal, option B - to lower the class of the car and option C -

[05:04] to find additional income. Well, or combine everything at once, of course. There is nothing complicated here, of course. The only thing is, you have to be honest with yourself . If you're lazy and you've been that way for the last 30 years, it's unlikely you'll

[05:20] take a second job to earn money for a car. And you will label all advice like: "Get a second job" as infocyganism and you will be right to some extent, because it’s simply not your thing. But overall, look,

[05:33] find a part-time job for 30,000 rubles. per month today is not such a big problem in a normal, large city. 130,000, of which, according to your calculations, approximately 70,000 is needed for living which, according to your calculations, approximately 70,000 is needed for living . And it turns out that you

[05:47] . And it turns out that you can put aside 60 every month. 1. We divide our cost of the car by 60,000 per month and get 32 ​​months. Essentially, a little bargaining under the hood. And in fact, you get the car not in 2 years, as we

[06:04] planned, but in 2 years without car loans, collateral, credit cards, and so on, and so forth, and so forth. So, we have defined the goal, deadlines, and methods of achieving it . Let's now move on to the practical component. Most of

[06:20] you, friends, cannot save money. Sometimes I record these videos and think about most people don’t know how to save money, they don’t know how to put it aside. People don't understand where they're going because everything is being eaten up by deliveries, marketplaces, and purchases of

[06:37] seemingly necessary things, but at the same time, unnecessary things. In general, all the money is wasted and it is unclear where it goes. This has always been the case , even when there were no deliveries or marketplaces, even then

[06:50] it was the case. And here the thought immediately comes to mind: “Why do I need to put anything aside if I’m now, for example, going to engage in speculative trading or, for example, find some high-risk method

[07:03] of earning money? But you need to understand that there are two parameters - risk and return. If you are engaged in trading, taking on a huge amount of risk, then the probability of earning money will not be that high. But if it does occur, you will slightly

[07:19] compensate for this risk. In most cases, you don’t need to take on additional risks. Yes, this is even contraindicated, but you need a kind of safe. You need a place where you can put money aside and a place that you will not

[07:34] touch. Usually these are savings accounts, deposits with quick access, or conservative instruments on the stock market with virtually no risks. Our task is not to make money, but to not lose the

[07:49] purchasing power of our money. Money for a purpose, for the purchase of a specific purpose, it must be liquid and it must be protected. Many of you , probably, Now they’ll say: “Artyom, why make everything so complicated? Let's just put it

[08:05] there, so to speak, in a shoe box, which could be reliable, because now we see that bank accounts are being blocked. It's not clear if you transfer money somewhere and you'll be accused of terrorism. And in general, the Internet will be turned off tomorrow

[08:18] , and then I won’t get my money back. Maybe I should keep my money in crypto, for example, in cryptocurrency? Well, by the way, we have courses dedicated to cryptocurrency at our Finzvezda school . Scan the

[08:32] QR code and check it out if you are interested in cryptocurrency. But our task is completely different. We don't need to take on additional risks. And now the last, but most important point of the strategy is cost control.

[08:47] You're probably now expecting me to tell you to be there with a cheapskate, count every penny, sit there on buckwheat and water, and so on. Everything is much simpler. I'll give you the simplest possible instructions. You only count large and regular

[09:02] expenses. What is this? This is rent, this is a mortgage, this is utilities, this is food, this is transportation and subscriptions. There is no need to count anything else, because you will not do it. I tell you to do this every time , and none of you

[09:17] do it, and I understand you perfectly, because I myself do not always do it. But nevertheless, you need to try to do this . It seems like a small thing, coffee there costs 300, 400 rubles. You don't have to touch it. They don't really play the weather. Of course,

[09:31] if it doesn’t go beyond the bounds of decency. If you buy three or four cups of coffee for 500 rubles. On this day, of course, the weather will play a role. Well, that is, you need to have a normal, healthy head, you don’t need to take everything to extremes. What

[09:44] else needs to be done? Every major expense you spend should be carefully considered. Ask yourself : "What do you want more: a new gaming computer, for example, or driving your own car?" And based on this, make a decision. If your

[10:00] spending doesn't save your life or increase your well-being, it can be postponed. And, of course, be rational. A gaming computer, for example, is very expensive, but you can take, for example, some kind of

[10:14] game console. Believe me, if you're going to professional gamer, so why do you need this huge computer? That is, it is always possible to find some compromises. I understand that this now sounds very,

[10:29] you know, somehow, well, strange, right? Because you came here to earn money, to save money, but you must understand that you spend time on all this. Time is not replenished. And the older you get, it goes even faster. And,

[10:45] Only with the years do you realize how much time you have for all sorts of nonsense, for all sorts of wants, for useless things. Something that has never brought you happiness and never will. The most

[10:58] important thing is, first of all, you must know how much you earn. Secondly, you need to know how much you are saving. Third, you need to know how much you spend per month. And fourthly, you must follow your

[11:14] goal. That is, you must gradually achieve this goal. There is no need to rush anywhere. The main thing is to move slowly, but at the same time move in the same direction. Believe me, this is all you need. It worked for me, it

[11:29] will work for you, it will work for your children, it works. And finally, a little motivation for money thinking. Although we agreed that this would not happen here. Well, it kind of demands it, right? Remember one thing. Your

[11:45] current position is a result of your decisions. Either you decide to achieve some financial goal and achieve it, or you become a slave to this very

[11:57] money and toil for the rest of your days. Unfortunately, there is no third option . You have to choose something for yourself. You should have a rough idea in your head of where you are going. Many people advise writing

[12:12] everything down verbatim: what kind of car you want , what color the cars are, and so on. Of course, if it helps you, do it, but I personally have never done it . I always had a rough idea of ​​where I was going. That is, I

[12:26] want a big house. I now live in a big house, I want a strong family, I have a wonderful family now. And so on, and so on. That is, there was an idea of ​​what I wanted, without such details, without specifics. And

[12:38] every decision I made, every important decision, I made through this filter. Does this bring me closer to my goal? If it brought me closer, I implemented it. Good luck to you. earn money.