{"id":407,"date":"2019-02-06T12:00:06","date_gmt":"2019-02-06T11:00:06","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=407"},"modified":"2019-02-08T13:21:28","modified_gmt":"2019-02-08T12:21:28","slug":"financni-nezavislost","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/financni-nezavislost\/","title":{"rendered":"Co je vlastn\u011b finan\u010dn\u00ed nez\u00e1vislost?"},"content":{"rendered":"

Finan\u010dn\u00ed nez\u00e1vislost znamen\u00e1, \u017ee m\u00e1te takov\u00fd majetek, \u017ee nemus\u00edte pracovat. Pasivn\u00ed p\u0159\u00edjmy z va\u0161eho majetku pokryj\u00ed ve\u0161ker\u00e9 va\u0161e \u017eivotn\u00ed v\u00fddaje.<\/p>\n

\n

pasivn\u00ed p\u0159\u00edjmy > v\u00fddaje = finan\u010dn\u00ed nez\u00e1vislost<\/strong><\/p>\n<\/blockquote>\n

Pasivn\u00ed p\u0159\u00edjmy<\/strong> – N\u00e1jem z nemovitosti, kterou pronaj\u00edm\u00e1te. Akcie, kter\u00e9 generuj\u00ed dividendu. Dluhopisy, kter\u00e9 vypl\u00e1c\u00ed \u00faroky.<\/p>\n

Pasivn\u00ed p\u0159\u00edjem naopak nejsou pen\u00edze pod pol\u0161t\u00e1\u0159em. Nebo zlat\u00e1 cihla. Nebo bitcoin. Ani vlastn\u00ed nemovitost. Je to majetek, ale negeneruje pr\u016fb\u011b\u017en\u00fd v\u00fdnos. Jenom spol\u00e9h\u00e1te na to, \u017ee ho n\u011bkdy v budoucnu prod\u00e1te za v\u00edc, ne\u017e jste ho koupili.<\/p>\n

V\u00fddaje – <\/strong>To, co plat\u00edte ka\u017ed\u00fd m\u011bs\u00edc i jednou ro\u010dn\u011b (t\u0159eba dovolen\u00e1). Pro n\u011bkoho to je i v\u00fddaj na bydlen\u00ed. Pro toho, kdo hypot\u00e9ku splatil a m\u00e1 vlastn\u00ed nemovitost, jsou samoz\u0159ejm\u011b v\u00fddaje men\u0161\u00ed.<\/p>\n

Nemus\u00edte chodit do pr\u00e1ce<\/h2>\n

\"\"Kdy\u017e va\u0161e pasivn\u00ed p\u0159\u00edjmy pokryj\u00ed va\u0161e v\u00fddaje, tak nemus\u00edte chodit do pr\u00e1ce. M\u016f\u017eete, ale nemus\u00edte. To je velk\u00fd rozd\u00edl oproti mus\u00edte.<\/p>\n

V\u011bt\u0161ina finan\u010dn\u011b nez\u00e1visl\u00fdch do pr\u00e1ce chod\u00ed, proto\u017ee d\u011blaj\u00ed n\u011bco, co je bav\u00ed. D\u00edky tomu maj\u00ed v\u011bt\u0161\u00ed radost z toho, co ud\u011blaj\u00ed a vytvo\u0159\u00ed.<\/p>\n

My takov\u00fdm lidem \u0159\u00edk\u00e1me renti\u00e9\u0159i. Mysl\u00edme t\u00edm i renti\u00e9ry, kte\u0159\u00ed nemaj\u00ed \u0161ediv\u00e9 vlasy.<\/p>\n

To, \u017ee se n\u011bkdo stane finan\u010dn\u011b nez\u00e1visl\u00fdm, neznamen\u00e1, \u017ee ze dne na den p\u0159estane pracovat, odst\u011bhuje se na Hawaj a bude si p\u0159ipalovat doutn\u00edky stodolarovkou. Renti\u00e9r si ani nekupuje soukrom\u00e9 trysk\u00e1\u010de nebo modern\u00ed jachty.<\/p>\n

\u017divot renti\u00e9ra vypad\u00e1 tak, \u017ee se r\u00e1no probud\u00ed, nemus\u00ed j\u00edt do pr\u00e1ce, a p\u0159esto mu na \u00fa\u010dt\u011b p\u0159istane tolik pen\u011bz, jako kdyby dostal v\u00fdplatu z pr\u00e1ce.<\/p>\n

Mo\u017en\u00e1 to zn\u00ed na prvn\u00ed poslech neuv\u011b\u0159iteln\u011b, ale str\u00e1nky InvestGuru<\/a> jsou pr\u00e1v\u011b pro lidi, kte\u0159\u00ed o tom cht\u011bj\u00ed p\u0159em\u00fd\u0161let.<\/p>\n

Ze zku\u0161enost\u00ed v\u00edme, \u017ee jen 2 ze 100 renti\u00e9r\u016f p\u0159estanou pracovat pot\u00e9, co dos\u00e1hnou finan\u010dn\u00ed nez\u00e1vislosti. T\u011bch zbyl\u00fdch 98 za\u010dne vyhled\u00e1vat nebo tvo\u0159it dal\u0161\u00ed nov\u00e9 projekty. A d\u00e1l pracuj\u00ed a v\u011bnuj\u00ed se tomu, co je bav\u00ed.<\/p>\n

Jen u\u017e prost\u011b nejsou z\u00e1visl\u00ed na tom, \u017ee ka\u017ed\u00e9 r\u00e1no mus\u00ed vst\u00e1t a j\u00edt do pr\u00e1ce. Vstanou a vyraz\u00ed, proto\u017ee je to bav\u00ed a ne proto, \u017ee mus\u00ed.<\/p>\n

Osud finan\u010dn\u011b z\u00e1visl\u00fdch<\/h2>\n

St\u00e1t se renti\u00e9rem, nemuset chodit do pr\u00e1ce a b\u00fdt finan\u010dn\u011b nez\u00e1visl\u00fdm by cht\u011bl b\u00fdt asi ka\u017ed\u00fd.<\/p>\n

Ale jen m\u00e1lo komu se to opravdu povede. Pro\u010d?<\/p>\n

Abyste se stali finan\u010dn\u011b nez\u00e1visl\u00fdmi, neznamen\u00e1 to nutn\u011b vyd\u011bl\u00e1vat hodn\u011b pen\u011bz v pr\u00e1ci. Je to dobr\u00fd p\u0159edpoklad, ale nen\u00ed ten nejd\u016fle\u017eit\u011bj\u0161\u00ed.<\/p>\n

Je tu toti\u017e je\u0161t\u011b druh\u00e1 strana rovnice. A to jsou va\u0161e v\u00fddaje.<\/p>\n

Mezi v\u00fddaje pat\u0159\u00ed v\u00fddaje na bydlen\u00ed, j\u00eddlo, oble\u010den\u00ed, telefon, elektroniku, energie, dopravu a dal\u0161\u00ed v\u011bci. Velkou \u010d\u00e1st va\u0161ich p\u0159\u00edjm\u016f tak\u00e9 mohou spolknout spl\u00e1tky na hypot\u00e9ku nebo spl\u00e1tky jin\u00fdch \u00fav\u011br\u016f.<\/p>\n

Jestli ihned utrat\u00edte v\u0161e, co za m\u011bs\u00edc vyd\u011bl\u00e1te, cesta k finan\u010dn\u00ed nez\u00e1vislosti nen\u00ed mo\u017en\u00e1. Leda vyhr\u00e1t n\u011bkolik milion\u016f v loterii – a tady je \u0161ance velmi, velmi mal\u00e1.<\/p>\n

Finan\u010dn\u011b z\u00e1visl\u00ed nikdy nedaj\u00ed stranou tolik pen\u011bz, aby m\u011bli n\u011bjak\u00fd vlastn\u00ed majetek. T\u0159eba splat\u00ed bydlen\u00ed, ale st\u00e1le budou pot\u0159ebovat z n\u011b\u010deho platit ostatn\u00ed v\u00fddaje.<\/p>\n

D\u016fle\u017eit\u00e9 tedy nen\u00ed, kolik dok\u00e1\u017eete vyd\u011blat pen\u011bz, ale kolik pen\u011bz d\u00e1te stranou. A n\u00e1sledn\u011b je investujete.<\/strong><\/h3>\n

V\u011bt\u0161ina nedok\u00e1\u017ee d\u00e1vat stranou dostatek prost\u0159edk\u016f, a kdy\u017e je d\u00e1vaj\u00ed, tak se o n\u011b neum\u00ed postarat. Sp\u00ed\u0161e o n\u011b dlouhodob\u011b p\u0159ich\u00e1zej\u00ed kv\u016fli inflaci.<\/p>\n

Kvalita finan\u010dn\u00ed nez\u00e1vislosti<\/h2>\n

\"\"Samoz\u0159ejm\u011b, \u010d\u00edm v\u00edce vyd\u011bl\u00e1v\u00e1te, t\u00edm v\u00edc d\u00e1te stranou a t\u00edm v\u011bt\u0161\u00ed bude kvalita \u017eivota ve finan\u010dn\u00ed nez\u00e1vislosti.<\/p>\n

\u017d\u00edt za 1.000 K\u010d m\u011bs\u00ed\u010dn\u011b se d\u00e1 leda n\u011bkde v lese. Teoreticky nic nepot\u0159ebujete, pijete vodu z pot\u016f\u010dku a j\u00edte lesn\u00ed plody.<\/p>\n

S 10.000 K\u010d u\u017e je situace lep\u0161\u00ed a m\u016f\u017eete \u017e\u00edt v men\u0161\u00edm m\u011bst\u011b. Koup\u00edte si j\u00eddlo, m\u00e1te telefon, zaplat\u00edte energie.<\/p>\n

Drtiv\u00e1 v\u011bt\u0161ina lid\u00ed vyjde velmi dob\u0159e s 20 – 30 tis\u00edci. Mohou jezdit na v\u00fdlety, chodit na j\u00eddlo do restaurac\u00ed a \u017e\u00edt b\u011b\u017en\u00fd \u017eivot, kter\u00fd zn\u00e1me.<\/p>\n

\u00dasp\u011b\u0161n\u00ed lid\u00e9, kte\u0159\u00ed maj\u00ed velk\u00e9 p\u0159\u00edjmy, maj\u00ed vy\u0161\u0161\u00ed standard a cht\u011bj\u00ed m\u00edt 50 a v\u00edc tis\u00edc m\u011bs\u00ed\u010dn\u011b. D\u00edky tomu, \u017ee maj\u00ed vy\u0161\u0161\u00ed p\u0159\u00edjmy, si mohou i v\u00edce odkl\u00e1dat a dos\u00e1hnout i takov\u00e9ho pasivn\u00edho p\u0159\u00edjmu.<\/p>\n

Jak st\u00e1t finan\u010dn\u011b nez\u00e1visl\u00fdm<\/h2>\n

M\u00e1te v podstat\u011b 3 mo\u017enosti, jak se k finan\u010dn\u00ed nez\u00e1vislosti dostat.<\/p>\n

    \n
  1. Za\u010d\u00edt budovat sv\u00e9 bohatstv\u00ed t\u00edm, \u017ee voln\u00e9 prost\u0159edky za\u010dnete investovat<\/li>\n
  2. Sn\u00ed\u017eit sv\u00e9 v\u00fddaje a z\u00edskat prost\u0159edky na investice<\/li>\n
  3. Spol\u00e9hat na \u0161t\u011bst\u00ed a n\u00e1hodu<\/li>\n<\/ol>\n

    T\u0159et\u00ed mo\u017enost vol\u00ed drtiv\u00e1 v\u011bt\u0161ina lid\u00ed a vid\u00edte ji v\u0161ude kolem sebe. Tak\u017ee k n\u00ed nemus\u00edme moc ps\u00e1t.<\/p>\n

    Druh\u00e1 mo\u017enost m\u00e1 sv\u00e1 omezen\u00ed. D\u0159\u00edve nebo pozd\u011bji se dostanete na \u00farove\u0148 v\u00fddaj\u016f, kter\u00e9 u\u017e sn\u00ed\u017eit nep\u016fjdou. Ot\u00e1zka je, jestli v\u00e1m takov\u00e9 v\u00fddaje zajist\u00ed \u017eivot, jak\u00fd chcete.<\/p>\n

    Nej\u010dast\u011bji finan\u010dn\u00ed nez\u00e1vislosti dos\u00e1hnout lid\u00e9 tou prvn\u00ed cestou. A o tom si budeme pov\u00eddat v dal\u0161\u00edch p\u0159\u00edsp\u011bvc\u00edch InvestGuru.cz. Nenechte si je ut\u00e9ct.<\/p>\n

    Te\u010f se m\u016f\u017eete pod\u00edvat na 4 d\u00edln\u00fd tr\u00e9nink, jak se dos\u00e1hnout bohatstv\u00ed a st\u00e1t se finan\u010dn\u011b nez\u00e1visl\u00fdm<\/a> (renti\u00e9rem) d\u00edky na\u0161emu unik\u00e1tn\u00edmu p\u0159\u00edstupu k investov\u00e1n\u00ed. Klikn\u011bte a z\u00edskejte p\u0159\u00edstup zdarma.<\/a><\/p>\n

    A nezapome\u0148te napsat…<\/h3>\n

    Jak vy vn\u00edm\u00e1te finan\u010dn\u00ed nez\u00e1vislost? Sly\u0161eli jste o n\u00ed nebo je to n\u011bco nov\u00e9ho? Co by v\u00e1s d\u00e1le zaj\u00edmalo?<\/p>\n","protected":false},"excerpt":{"rendered":"

    Finan\u010dn\u00ed nez\u00e1vislost je pro spoustu lid\u00ed sen a c\u00edl, kter\u00e9ho cht\u011bj\u00ed v \u017eivot\u011b dos\u00e1hnout.<\/p>\n","protected":false},"author":1,"featured_media":437,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":[1],"tags":[7,10,9],"class_list":["post-407","post","type-post","status-publish","format-standard","has-post-thumbnail","category-clanky","tag-financni-nezavislost","tag-pasivni-prijem","tag-rentier","entry"],"_links":{"self":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/407","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\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/comments?post=407"}],"version-history":[{"count":17,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/407\/revisions"}],"predecessor-version":[{"id":480,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/posts\/407\/revisions\/480"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media\/437"}],"wp:attachment":[{"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/media?parent=407"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/categories?post=407"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.investguru.cz\/cs\/wp-json\/wp\/v2\/tags?post=407"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}