{"id":303,"date":"2018-12-06T13:33:32","date_gmt":"2018-12-06T12:33:32","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=303"},"modified":"2019-03-02T17:19:15","modified_gmt":"2019-03-02T16:19:15","slug":"kolik-penez-potrebuji-financne-nezavisli","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/kolik-penez-potrebuji-financne-nezavisli\/","title":{"rendered":"Kolik pen\u011bz pot\u0159ebuj\u00ed finan\u010dn\u011b nez\u00e1visl\u00ed"},"content":{"rendered":"<p><iframe loading=\"lazy\" src=\"https:\/\/www.youtube.com\/embed\/1MMmX99_sGI?rel=0&amp;showinfo=0&amp;autoplay=1&amp;modestbranding=1\" width=\"720\" height=\"405\" frameborder=\"0\" allowfullscreen=\"allowfullscreen\" allow=\"autoplay\"><\/iframe><\/p>\n<h2>P\u0159epis videa<\/h2>\n<p>V tomto videu se s v\u00e1mi pod\u011bl\u00edm o z\u00e1v\u011bry jedn\u00e9 zaj\u00edmav\u00e9 studie, kter\u00e1 zkoumala, kolik vlastn\u011b \u010dlov\u011bk pot\u0159ebuje pen\u011bz v okam\u017eiku, kdy se stane finan\u010dn\u011b nez\u00e1visl\u00fdm.<\/p>\n<p>Studii d\u011blal m\u016fj obl\u00edben\u00fd autor a z\u00e1rove\u0148 profesor <a href=\"https:\/\/cs.wikipedia.org\/wiki\/Dan_Ariely\" target=\"_blank\">Dan Ariely<\/a>.<\/p>\n<p>Je to ten sam\u00fd Ariely, jeho\u017e do \u010de\u0161tiny p\u0159elo\u017een\u00e9 knihy, <a href=\"https:\/\/www.martinus.cz\/?uItem=60788\" target=\"_blank\" rel=\"noopener\">Jak drah\u00e9 je zdarma<\/a> a <a href=\"https:\/\/www.martinus.cz\/?uItem=103722\" target=\"_blank\" rel=\"noopener\">Jak drah\u00e1 je intuice<\/a>, mohu ka\u017ed\u00e9mu v\u0159ele doporu\u010dit.<\/p>\n<p>Ukazuje v nich toti\u017e, \u017ee i ta nejd\u016fle\u017eit\u011bj\u0161\u00ed rozhodnut\u00ed v na\u0161ich \u017eivotech, m\u00edvaj\u00ed velmi \u010dasto \u00fapln\u011b iracion\u00e1ln\u00ed ko\u0159eny. Ani\u017e bychom o tom v\u011bd\u011bli a ani\u017e bychom si to cht\u011bli p\u0159ipustit.<\/p>\n<p>A proto\u017ee se ve studii jedn\u00e1 o pen\u00edze, je zaj\u00edmav\u00e1 nejen pro n\u00e1s, ale napsali o n\u00ed dokonce \u010dl\u00e1nek ve Wall Street Journal. Kde jsem se vlastn\u011b o n\u00ed dozv\u011bd\u011bl.<\/p>\n<p>A jak\u00e9 tedy bylo t\u00e9ma zmi\u0148ovan\u00e9 studie? Podle m\u011b \u00fapln\u011b skv\u011bl\u00e9.<\/p>\n<p>Kolik lid\u00e9 vlastn\u011b pot\u0159ebuj\u00ed pen\u011bz na svoji finan\u010dn\u00ed nez\u00e1vislost. Na svoji rentu.<\/p>\n<p>Profesor Ariely a jeho t\u00fdm, zji\u0161\u0165ovali odpov\u011b\u010f na tuto ot\u00e1zku u vzorku lid\u00ed, kte\u0159\u00ed p\u0159em\u00fd\u0161lej\u00ed o sv\u00e9 finan\u010dn\u00ed budoucnosti.<\/p>\n<p>A odpov\u011b\u010f lid\u00ed r\u016fzn\u00e9ho v\u011bku, r\u016fzn\u00fdch p\u0159\u00edjm\u016f i v\u00fddaj\u016f byla pom\u011brn\u011b jednotn\u00e1. <\/p>\n<p>Budeme pot\u0159ebovat asi 70 % toho, na co jsme nyn\u00ed zvykl\u00ed.<\/p>\n<p>Profesor Ariely se ale s touto odpov\u011bd\u00ed nespokojil. Jak u\u017e je to pro n\u011bj hodn\u011b typick\u00e9. <\/p>\n<p>Zeptal se lid\u00ed, jak vlastn\u011b na t\u011bch 70 % p\u0159i\u0161li.<\/p>\n<p>A odpov\u011b\u010f byla u t\u00e9m\u011b\u0159 v\u0161ech respondent\u016f op\u011bt skoro stejn\u00e1. Sly\u0161eli jsme to od sv\u00e9ho poradce. Nebo od sv\u00e9ho bank\u00e9\u0159e. Nebo n\u011bkdy jsme to n\u011bkde zaslechli.<\/p>\n<p>Dan Ariely se ale ani s touto odpov\u011bd\u00ed je\u0161t\u011b nespokojil.<\/p>\n<p>Se v\u0161emi respondenty si obrazn\u011b \u0159e\u010deno sedl, a spole\u010dn\u011b individu\u00e1ln\u011b a v klidu je donutil pop\u0159em\u00fd\u0161let, jak budou \u017e\u00edt, a\u017e budou finan\u010dn\u011b nez\u00e1visl\u00ed.<\/p>\n<p>A zjistil, \u017ee budou pot\u0159ebovat ne 70 % sou\u010dasn\u00fdch v\u00fddaj\u016f, ale 130 %. T\u00e9m\u011b\u0159 2x v\u00edce, ne\u017e si respondenti do t\u00e9 doby intuitivn\u011b mysleli.<\/p>\n<p>A za touto odpov\u011bd\u00ed je jednoduch\u00fd d\u016fvod.<\/p>\n<p><strong>Nejlevn\u011bj\u0161\u00ed je toti\u017e chodit do pr\u00e1ce.<\/strong><\/p>\n<h2>Pro\u010d je odpov\u011b\u010f na v\u00fd\u0161i renty ve finan\u010dn\u00ed nez\u00e1vislosti pro n\u00e1s tak d\u016fle\u017eit\u00e1?<\/h2>\n<p>Proto\u017ee investi\u010dn\u00ed strategie na cest\u011b k rent\u011b se za jinak nezm\u011bn\u011bn\u00fdch podm\u00ednek bude li\u0161it podle toho, jestli chceme v budoucnu m\u00edt pasivn\u00ed p\u0159\u00edjem ve v\u00fd\u0161i 70 % sou\u010dasn\u00fdch v\u00fddaj\u016f, 100 % sou\u010dasn\u00fdch v\u00fddaj\u016f, nebo t\u0159eba 130 % toho, na co jsme zvykl\u00ed dnes.<\/p>\n<p>P\u0159i 70 % m\u016f\u017ee b\u00fdt na\u0161e investi\u010dn\u00ed strategie konzervativn\u011bj\u0161\u00ed.<\/p>\n<p>A p\u0159esto ke sv\u00e9mu c\u00edli dojdete.<\/p>\n<p>P\u0159i 130 %, tj. t\u00e9m\u011b\u0159 2x vy\u0161\u0161\u00edm c\u00edli, budete mo\u017en\u00e1 muset akceptovat investi\u010dn\u00ed strategii, kter\u00e1 je mnohem dynami\u010dt\u011bj\u0161\u00ed.<\/p>\n<p>Tak\u017ee a\u017e p\u0159\u00ed\u0161t\u011b budete p\u0159em\u00fd\u0161let o sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti, nespol\u00e9hejte se na to, \u017ee n\u011bjak\u00e9 b\u011b\u017en\u00e9 \u017eivotn\u00ed v\u00fddaje v\u00e1m do budoucna odpadnou.<\/p>\n<p>Samoz\u0159ejm\u011b u\u017e nebudete spl\u00e1cet hypot\u00e9ku, u\u017e nebudete muset platit tolik pojistek, ale ty b\u011b\u017en\u00e9 v\u00fddaje nemus\u00ed v\u016fbec klesnout ve chv\u00edli, kdy p\u0159estanete tak\u00e9 chodit do pr\u00e1ce.<\/p>\n<p>Tak\u017ee se sp\u00ed\u0161e zamyslete nad sv\u00fdm budouc\u00edm \u017eivotn\u00edm stylem renti\u00e9ra, a teprve potom se spr\u00e1vn\u011b promy\u0161len\u00fdm a stanoven\u00fdm c\u00edlem si nechte zpracovat investi\u010dn\u00ed pl\u00e1n.<\/p>\n<p>Pokud se v\u00e1m video l\u00edb\u00ed, dejte mu palec a budu r\u00e1d, kdy\u017e mi do koment\u00e1\u0159\u016f nap\u00ed\u0161ete, co si o tomto t\u00e9matu mysl\u00edte pr\u00e1v\u011b vy. R\u00e1d si to p\u0159e\u010dtu.<\/p>\n<p>M\u011bjte se hezky a investujte sv\u016fj \u010das, energii i pen\u00edze s rozvahou a dlouhodob\u011b!<\/p>\n<h3>Jak se zam\u00fd\u0161l\u00edte nad svou finan\u010dn\u00ed nez\u00e1vislost\u00ed?<\/h3>\n","protected":false},"excerpt":{"rendered":"<p>V\u011bt\u0161ina lid\u00ed se shodla na ur\u010dit\u00e9m \u010d\u00edslu, kter\u00e9 zd\u00e1nliv\u011b vypad\u00e1 spr\u00e1vn\u011b. Skute\u010dnost je ale dramaticky jin\u00e1. Seznamte se se z\u00e1v\u011bry zaj\u00edmav\u00e9 studie Dana Arielyho.<\/p>\n","protected":false},"author":2,"featured_media":308,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"video","meta":{"_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":[7],"class_list":["post-303","post","type-post","status-publish","format-video","has-post-thumbnail","category-video-tipy","tag-financni-nezavislost","post_format-post-format-video","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/303","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=303"}],"version-history":[{"count":5,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/303\/revisions"}],"predecessor-version":[{"id":588,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/303\/revisions\/588"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/308"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=303"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=303"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=303"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}