{"id":167,"date":"2018-09-20T07:00:07","date_gmt":"2018-09-20T05:00:07","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=167"},"modified":"2018-09-20T14:05:57","modified_gmt":"2018-09-20T12:05:57","slug":"kdy-a-jak-se-detmi-bavit-o-penezich","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/kdy-a-jak-se-detmi-bavit-o-penezich\/","title":{"rendered":"3 tipy, kdy a jak se d\u011btmi bavit o pen\u011bz\u00edch"},"content":{"rendered":"<div class=\"single-featured-video\"><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/z9EYDWShyRw?rel=0&amp;showinfo=0&amp;autoplay=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/div>\n<h2>P\u0159epis videa<\/h2>\n<p>Dnes se s v\u00e1mi chci pod\u011blit o p\u00e1r tip\u016f na t\u00e9ma, jak vzd\u011bl\u00e1vat d\u011bti v oblasti pen\u011bz.<\/p>\n<p>Prvn\u00ed ot\u00e1zka, na kterou \u010dasto odpov\u00edd\u00e1m, zn\u00ed:<\/p>\n<p><em>Kdy se vlastn\u011b za\u010d\u00edt zaj\u00edmat, nebo bavit s d\u011btmi o pen\u011bz\u00edch?<\/em><\/p>\n<p>Moje zku\u0161enost je, \u017ee je to zhruba <strong>ve t\u0159et\u00ed t\u0159\u00edd\u011b z\u00e1kladn\u00ed \u0161koly<\/strong>.<br \/>\nTo u\u017e d\u011bti um\u011bj\u00ed docela dob\u0159e po\u010d\u00edtat, alespo\u0148 ty z\u00e1kladn\u00ed po\u010dty, a pen\u00edze u\u017e tak\u00e9 za\u010d\u00ednaj\u00ed vn\u00edmat.<br \/>\nPr\u00e1v\u011b zhruba od t\u0159et\u00ed t\u0159\u00eddy u\u017e nen\u00ed \u0161patn\u00e9 za\u010d\u00edt d\u011btem d\u00e1vat i prvn\u00ed kapesn\u00e9.<\/p>\n<p>A pr\u00e1v\u011b od v\u011bku <strong>9 nebo 10 let<\/strong> d\u00edt\u011bte, je pot\u0159eba, abyste se nau\u010dili d\u011btem \u0159\u00edkat dv\u011b z\u00e1kladn\u00ed v\u011bty.<\/p>\n<p>Ta prvn\u00ed v\u011bta je n\u00e1sleduj\u00edc\u00ed:<\/p>\n<p><em>J\u00e1 ti to nekoup\u00edm, ale kup si to za sv\u00e9.<\/em><\/p>\n<p>D\u00edky t\u00e9to v\u011bt\u011b, si d\u011bti poprv\u00e9 za\u010d\u00ednaj\u00ed uv\u011bdomovat, \u017ee si nemohou koupit \u00fapln\u011b v\u0161echno.<br \/>\nA mus\u00ed p\u0159em\u00fd\u0161let, jestli jim to za ten n\u00e1kup stoj\u00ed nebo ne.<br \/>\nN\u011bkdy se rozhodnou, \u017ee ano, n\u011bkdy, \u017ee ne.<\/p>\n<p>Ale to nen\u00ed to nejd\u016fle\u017eit\u011bj\u0161\u00ed.<\/p>\n<p>To <strong>podstatn\u00e9 je, \u017ee o tom za\u010d\u00ednaj\u00ed p\u0159em\u00fd\u0161let<\/strong>.<br \/>\nA p\u0159est\u00e1vaj\u00ed p\u0159i t\u011bch n\u00e1kupech jednat jenom impulzivn\u011b.<br \/>\nA to se jim v \u017eivot\u011b bude hodit.<\/p>\n<p>Druh\u00e1 v\u011bta, kterou d\u011btem pom\u016f\u017eete, je:<\/p>\n<p><em>Jestli nem\u00e1\u0161 sv\u00e9 pen\u00edze sebou, j\u00e1 ti p\u016fj\u010d\u00edm. A a\u017e p\u0159ijdeme dom\u016f, tak mi m\u00edsto 20 K\u010d vr\u00e1t\u00ed\u0161 25 K\u010d.<\/em><\/p>\n<p>Kdy\u017e se budou pt\u00e1t pro\u010d, tak \u0159eknete, \u017ee <strong>to tak funguje i v bance<\/strong>.<\/p>\n<p>Kdy\u017e si chce n\u011bkdo p\u016fj\u010dit, mus\u00ed potom vr\u00e1tit pen\u011bz v\u00edce.<br \/>\nPou\u017e\u00edv\u00e1n\u00edm i t\u00e9to druh\u00e9 v\u011bty op\u011bt d\u011btem m\u016f\u017eete p\u0159ibl\u00ed\u017eit re\u00e1ln\u00fd finan\u010dn\u00ed sv\u011bt.<\/p>\n<p>Trochu star\u0161\u00ed d\u011bti, \u0159ekn\u011bme mezi <strong>12, 15, 16 lety<\/strong>, lze u\u010dit i v\u00edce. Je to ale pot\u0159eba d\u011blat z\u00e1bavnou formou, aby je pen\u00edze bavili.<\/p>\n<p>M\u00e1m zku\u0161enosti t\u0159eba s t\u00edm, \u017ee jsem pou\u017e\u00edval na sv\u00e9 vlastn\u00ed d\u011bti, ve \u0161kol\u00e1ch v \u010cesk\u00e9 republice i Americe, hru <strong>Finan\u010dn\u00ed svoboda<\/strong>.<\/p>\n<p>To je hra, kter\u00e1 d\u011btem p\u0159edstav\u00ed z\u00e1bavnou formou, co pen\u00edze jsou, co od nich \u010dekat.\u00a0Co znamen\u00e1 hypot\u00e9ka. Co dobr\u00fd dluh a co \u0161patn\u00fd dluh.<\/p>\n<p>A to, \u017ee se mohou st\u00e1t milion\u00e1\u0159em, nebo tak\u00e9 zkrachovat, kdy\u017e se o pen\u00edze nebudou starat.<\/p>\n<p>Finan\u010dn\u00ed svoboda je docela komplexn\u00ed hra, \u0159ekl bych sp\u00ed\u0161, \u017ee je to simulace.<\/p>\n<p>Jej\u00ed v\u00fdhodou je, \u017ee je velmi modul\u00e1rn\u00ed, tak\u017ee je dobr\u00e9 a mo\u017en\u00e9 ji p\u0159izp\u016fsobit d\u011btem r\u016fzn\u00e9ho v\u011bku a schopnost\u00ed.<br \/>\nA \u010d\u00edm v\u00edc ji s d\u011btmi budete tu hru hr\u00e1t, t\u00edm v\u00edc finan\u010dn\u00edch \u017eivot\u016f pro\u017eij\u00ed, a t\u00edm v\u00edc se jim z\u00e1kladn\u00ed pravidla dostanou pod k\u016f\u017ei.<\/p>\n<p>A pro d\u011bti, kter\u00e9 u\u017e se bl\u00ed\u017e\u00ed dosp\u011blosti, nebo kter\u00e9 u\u017e si za\u010d\u00ednaj\u00ed vyd\u011bl\u00e1vat, je potom skv\u011bl\u00fdm \u0159e\u0161en\u00edm, kombinovat hru typu Finan\u010dn\u00ed svoboda s n\u011bjakou praktickou v\u00fdukou.<br \/>\nNa t\u00e9ma hypot\u00e9ky, pojistky, investice a podobn\u011b.<\/p>\n<p>D\u00edky tomu, \u017ee se dozv\u00ed o n\u011bco v\u00edce, um\u00ed potom zku\u0161enosti ze hry p\u0159etavit i v praktick\u00e9 z\u00e1v\u011bry a dovednosti pou\u017eiteln\u00e9 ji\u017e druh\u00fd den v re\u00e1ln\u00e9m \u017eivot\u011b.<\/p>\n<p>Na z\u00e1v\u011br u\u017e potom m\u016f\u017eete d\u011btem poradit, co jste za\u017eili sami.<\/p>\n<p>A\u0165 maj\u00ed sv\u016fj vlastn\u00ed finan\u010dn\u00ed pl\u00e1n, a\u0165 p\u0159em\u00fd\u0161l\u00ed nejenom o tom, co si koup\u00ed z\u00edtra, ale i o rent\u011b, kter\u00e1 p\u0159ijde za n\u011bjakou dobu.<\/p>\n<p>A od <strong>25 nebo 30 let v\u011bku<\/strong>, u\u017e je pomalu m\u016f\u017eete br\u00e1t na sch\u016fzky s n\u00e1mi, aby vid\u011bli jak p\u0159em\u00fd\u0161let o pen\u011bz\u00edch a jak se o n\u011b starat.<\/p>\n<p>A jestli jim d\u00e1te i prvn\u00ed pen\u00edze na investice, to u\u017e je na v\u00e1s.<\/p>\n<p>M\u011bjte se hezky a investujte sv\u016fj \u010das, energii i pen\u00edze s rozvahou a dlouhodob\u011b.<\/p>\n<p>V\u00edce o Finan\u010dn\u00ed svobod\u011b najdete na str\u00e1nk\u00e1ch\u00a0<a href=\"https:\/\/www.financnisvoboda.cz\/\" target=\"_blank\" rel=\"noopener\">www.financnisvoboda.cz<\/a>.<\/p>\n<h3>Jak\u00e9 rady a zku\u0161enosti ohledn\u011b pen\u011bz d\u00e1v\u00e1te sv\u00fdm d\u011btem?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>Pomoc\u00ed jednoduch\u00fdch pravidel a her sv\u00e9 d\u011bti m\u016f\u017eete v\u00e9st k tomu, aby p\u0159em\u00fd\u0161leli jako finan\u010dn\u011b svobodn\u00ed.<\/p>\n","protected":false},"author":2,"featured_media":169,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"_genesis_hide_title":false,"_genesis_hide_breadcrumbs":false,"_genesis_hide_singular_image":false,"_genesis_hide_footer_widgets":false,"_genesis_custom_body_class":"","_genesis_custom_post_class":"","_genesis_layout":"","footnotes":""},"categories":[4],"tags":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.2 - 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