{"id":436,"date":"2019-02-08T12:00:07","date_gmt":"2019-02-08T11:00:07","guid":{"rendered":"https:\/\/www.investguru.cz\/cs\/?p=436"},"modified":"2019-02-08T13:19:10","modified_gmt":"2019-02-08T12:19:10","slug":"7-kroku-k-financni-nezavislosti","status":"publish","type":"post","link":"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/","title":{"rendered":"7 krok\u016f, kter\u00e9 v\u00e1s dovedou k finan\u010dn\u00ed nez\u00e1vislosti"},"content":{"rendered":"

Nemuset chodit ka\u017ed\u00fd den do pr\u00e1ce, a p\u0159esto dost\u00e1vat na sv\u016fj \u00fa\u010det pravideln\u011b v\u00fdplatu v podob\u011b \u201erenty\u201c. Finan\u010dn\u00ed nez\u00e1vislost nen\u00ed jen dom\u00e9nou milion\u00e1\u0159\u016f a miliard\u00e1\u0159\u016f.<\/p>\n

To, \u017ee je n\u011bkdo milion\u00e1\u0159 neznamen\u00e1, \u017ee je finan\u010dn\u011b nez\u00e1visl\u00fd. T\u0159eba m\u00e1 vysok\u00e9 n\u00e1klady a je neust\u00e1le v jednom kole.<\/p>\n

Finan\u010dn\u00ed nez\u00e1vislosti m\u016f\u017ee dos\u00e1hnout i b\u011b\u017en\u00fd \u010dlov\u011bk. \u010casto to b\u00fdv\u00e1 daleko jednodu\u0161\u0161\u00ed, ne\u017e kdy\u017e m\u00e1te sta tis\u00edcov\u00e9 m\u011bs\u00ed\u010dn\u00ed n\u00e1klady jako milion\u00e1\u0159i.<\/p>\n

Jak\u00e1 cesta vede k finan\u010dn\u00ed nez\u00e1vislosti?<\/p>\n

1. Rozhodn\u011bte se<\/h2>\n

\"\"D\u016fle\u017eit\u00e9 je se rozhodnout, \u017ee chcete b\u00fdt jednoho dne finan\u010dn\u011b nez\u00e1visl\u00ed. \u017de jednoho dne budete m\u00edt takov\u00fd majetek, kter\u00fd v\u00e1m p\u0159in\u00e1\u0161\u00ed p\u0159\u00edjem, ze kter\u00e9ho pokryjete v\u0161echny sv\u00e9 n\u00e1klady.<\/p>\n

Tak toti\u017e ozna\u010dujeme finan\u010dn\u00ed nez\u00e1vislost.<\/p>\n

M\u00e1te takov\u00fd majetek, kter\u00fd generuje pasivn\u00ed p\u0159\u00edjem. Nemovitosti, finan\u010dn\u00ed aktiva, byznysy. To jsou zjednodu\u0161en\u011b 3 nej\u010dast\u011bj\u0161\u00ed typy majetku, kter\u00e9 generuj\u00ed p\u0159\u00edjem.<\/p>\n

Rozhodnut\u00ed to nen\u00ed snadn\u00e9<\/h3>\n

V\u00fdsledky se toti\u017e nedostav\u00ed hned. Ale a\u017e za n\u011bkolik let.<\/p>\n

V dne\u0161n\u00ed dob\u011b jsme zvykl\u00ed na okam\u017eitou odm\u011bnu. Zve\u0159ejn\u00edme n\u011bco na Facebooku a lid\u00e9 b\u011bhem minut d\u00e1vaj\u00ed palce a p\u00ed\u0161ou koment\u00e1\u0159e. V reklam\u00e1ch vid\u00edme, jak n\u011bkdo rychle zbohatl.<\/p>\n

Dostat se k finan\u010dn\u00ed nez\u00e1vislosti m\u016f\u017ee t\u00e9m\u011b\u0159 ka\u017ed\u00fd. Z na\u0161ich zku\u0161enost\u00ed na to finan\u010dn\u011b m\u00e1 8 lid\u00ed z 10. Ale ne ka\u017ed\u00fd se odhodl\u00e1, rozhodne a pak si za sv\u00fdm rozhodnut\u00edm stoj\u00ed.<\/p>\n

2. Vzd\u011bl\u00e1vejte se<\/h2>\n

\"\"Ne nadarmo se \u0159\u00edk\u00e1, \u017ee investice do vzd\u011bl\u00e1n\u00ed je ta nejlep\u0161\u00ed investice. A vzd\u011bl\u00e1n\u00ed nikdy nekon\u010d\u00ed.<\/p>\n

Pravidla finan\u010dn\u00edho sv\u011bta se ve \u0161kol\u00e1ch neu\u010d\u00ed. Naopak n\u011bkdy se \u0159\u00edk\u00e1 prav\u00fd opak i na ekonomick\u00fdch \u0161kol\u00e1ch, jako kdy\u017e u\u010ditelka \u0159\u00edk\u00e1,\u00a0\u017ee dluhopisy jsou bezpe\u010dn\u011bj\u0161\u00ed ne\u017e akcie<\/a>.<\/p>\n

Rozhodn\u011b nemus\u00edte b\u00fdt studovan\u00fd ekonom. Sta\u010d\u00ed pou\u017e\u00edvat selsk\u00fd rozum, m\u00edt z\u00e1kladn\u00ed v\u011bdomosti a sledovat pot\u0159ebn\u00e9 informace.<\/p>\n

Informace sami o sob\u011b nesta\u010d\u00ed. Je pot\u0159eba je spr\u00e1vn\u011b pospojovat, aby z nich byly v\u011bdomosti.<\/p>\n

Hledejte zdroje, kter\u00e9 v\u00e1m pomohou. Mohou to b\u00fdt knihy o investov\u00e1n\u00ed, blogy, videa, semin\u00e1\u0159e, workshopy nebo podcasty. Vyberte si form\u00e1t, kter\u00fd v\u00e1m bude vyhovovat, a ten pravideln\u011b sledujte.<\/p>\n

Doporu\u010dujeme za\u010d\u00edt knihou Inteligentn\u00ed investor od Benjamina Grahama. Dal\u0161\u00ed \u010dl\u00e1nky najdete na InvestGuru.cz<\/a> nebo se pod\u00edvejte na n\u00e1\u0161 YouTube kan\u00e1l<\/a>.<\/p>\n

3. Odkl\u00e1dejte stranou<\/h2>\n

\"\"Jestli utrat\u00edte v\u0161echno, co vyd\u011bl\u00e1te, tak sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti nedos\u00e1hnete.<\/p>\n

Na druhou stranu nem\u00e1 smysl l\u00e9ta j\u00edst such\u00fd chleba a \u010dekat na sp\u00e1snou nez\u00e1vislost.<\/p>\n

Najd\u011bte \u010d\u00e1stku, kterou m\u016f\u017eete odkl\u00e1dat ka\u017ed\u00fd m\u011bs\u00edc stranou. Volba nen\u00ed slo\u017eit\u00e1 – \u010d\u00edm v\u011bt\u0161\u00ed ta \u010d\u00e1stka bude, t\u00edm rychleji se ke sv\u00e9mu c\u00edli dostanete.<\/p>\n

Uk\u00e1\u017eu to na jednoduch\u00e9m p\u0159\u00edkladu.<\/p>\n

Marek vyd\u011bl\u00e1 35 000 K\u010d m\u011bs\u00ed\u010dn\u011b a jeho n\u00e1klady jsou 28 000 K\u010d. Ka\u017ed\u00fd m\u011bs\u00edc tak m\u016f\u017ee odkl\u00e1dat 7 000 K\u010d. Kdy\u017e se o n\u011b dob\u0159e postar\u00e1, m\u016f\u017ee jednoho dne dos\u00e1hnout finan\u010dn\u00ed nez\u00e1vislosti.<\/em><\/p>\n

Karel vyd\u011bl\u00e1v\u00e1 100 000 K\u010d m\u011bs\u00ed\u010dn\u011b, ale jeho m\u011bs\u00ed\u010dn\u00ed n\u00e1klady jsou 110 000 K\u010d. To znamen\u00e1, \u017ee co utrat\u00ed v\u00edc, ne\u017e vyd\u011bl\u00e1. To sportovn\u00ed auto p\u0159eci jen n\u011bco stoj\u00ed. S t\u00edmto rozpo\u010dtem Karel sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti nedos\u00e1hne.<\/em><\/p>\n

Karel prodal sv\u016fj spor\u0165\u00e1k a bude jezdit oby\u010dejn\u00fdm autem. Jeho n\u00e1klady klesnou na 80 000 K\u010d m\u011bs\u00ed\u010dn\u011b. 20.000 m\u016f\u017ee investovat do sv\u00e9 finan\u010dn\u00ed nez\u00e1vislosti.<\/em><\/p>\n

Nez\u00e1le\u017e\u00ed na tom, kolik vyd\u011bl\u00e1v\u00e1te, ale kolik dok\u00e1\u017eete ka\u017ed\u00fd m\u011bs\u00edc odkl\u00e1dat.<\/p>\n

4. Sestavte si investi\u010dn\u00ed pl\u00e1n<\/h2>\n

\"\"Cesta k c\u00edli bez mapy je bloud\u011bn\u00ed.<\/p>\n

V p\u0159\u00edpad\u011b pen\u011bz se bloud\u011bn\u00ed moc nevypl\u00e1c\u00ed. Ka\u017ed\u00fd m\u011bs\u00edc, kdy se o sv\u00e9 pen\u00edze nestar\u00e1te, v\u00e1s n\u011bco stoj\u00ed. Kdy\u017e se vyd\u00e1te na slepou cestu, tak v\u00e1m ute\u010dou pen\u00edze i \u010das.<\/p>\n

Warren Buffett jeden z nejbohat\u0161\u00edch lid\u00ed na sv\u011bt\u011b – \u0159\u00edk\u00e1 \u201eJe to jedin\u00e1 v\u011bc, kterou nem\u016f\u017eete koupit. Mysl\u00edm, \u017ee mohu koupit v\u0161e, co v podstat\u011b chci, ale nem\u016f\u017eu si koupit \u010das.<\/em>\u201c<\/p>\n

Investi\u010dn\u00ed pl\u00e1n by m\u011bl obsahovat velk\u00e9 X a p\u0159\u00edpadn\u011b mal\u00e9 x. Va\u0161e finan\u010dn\u00ed c\u00edle a kolik pen\u011bz na n\u011b budete pot\u0159ebovat. A za jak dlouho.<\/p>\n

Nap\u0159. Za 20 let chci pravidelnou pasivn\u00ed rentu 30 000 K\u010d m\u011bs\u00ed\u010dn\u011b. Vedle toho si budu ka\u017ed\u00fdch 5 let kupovat nov\u00e9 auto.<\/em><\/p>\n

V pl\u00e1nu mus\u00ed b\u00fdt i m\u00edsto, kde jste te\u010f. Jak\u00fd m\u00e1te majetek, sou\u010dasn\u00e9 p\u0159\u00edjmy, n\u00e1klady na \u017eivot, spl\u00e1tky hypot\u00e9k, \u00fav\u011br\u016f. Pokud u\u017e te\u010f investujete, o jak\u00e9 produkty se jedn\u00e1. Nap\u0159\u00edklad stavebn\u00ed spo\u0159en\u00ed nebo d\u016fchodov\u00e9 p\u0159ipoji\u0161t\u011bn\u00ed.<\/p>\n

V pl\u00e1nu samoz\u0159ejm\u011b mus\u00ed b\u00fdt i konkr\u00e9tn\u00ed n\u00e1stroje, kter\u00e9 pou\u017eijete. Finan\u010dn\u00ed produkty, do kter\u00fdch budete investovat. Kdy a kolik.<\/p>\n

Pl\u00e1nem m\u016f\u017ee b\u00fdt i ka\u017ed\u00fd den investovat 1000 K\u010d do loterie. Pravd\u011bpodobnost, \u017ee na konci budete m\u00edt 0 je vysok\u00e1, ale pl\u00e1n to je.<\/p>\n

Naopak investi\u010dn\u00ed pl\u00e1n, kter\u00fd je postaven\u00fd na ov\u011b\u0159en\u00e9m syst\u00e9mu, ukazuje cestu k finan\u010dn\u00ed nez\u00e1vislosti jako baterka v noci.<\/p>\n

5. Investujte<\/h2>\n

\"\"Nejjednodu\u0161\u0161\u00ed pl\u00e1n je d\u00e1vat pen\u00edze stranou na spo\u0159ic\u00ed \u00fa\u010det. Ka\u017ed\u00fd m\u011bs\u00edc tam po\u0161lete 10 tis\u00edc. Za rok tam je 120 tis\u00edc. Za 10 let je tam 1,2 milionu. 20 % v\u00e1m vezme inflace. Ale stejn\u011b m\u00e1te milion!<\/p>\n

Nejrizikov\u011bj\u0161\u00ed pl\u00e1n je rozjet vlastn\u00ed podnik\u00e1n\u00ed. V\u011bt\u0161ina firem krachuje, ale n\u011bjak\u00e9 procento generuje jejich majitel\u016fm p\u0159\u00edjem, i kdy\u017e ve firm\u011b fyzicky nejsou. Jestli m\u00e1te obchodn\u00edho ducha, je to cesta.<\/p>\n

D\u00e1le se m\u016f\u017eete vydat sm\u011brem investic do nemovitost\u00ed na pron\u00e1jem. Vid\u00edme ji u spousty lid\u00ed a m\u00e1 sv\u00e9 v\u00fdhody i nev\u00fdhody. Jedn\u00e1n\u00ed s n\u00e1jemn\u00edky a \u00fadr\u017eba nen\u00ed pro ka\u017ed\u00e9ho.<\/p>\n

Pak jsou tu investice do finan\u010dn\u00edch n\u00e1stroj\u016f jako akcie a dluhopisy. Ty generuj\u00ed pasivn\u00ed p\u0159\u00edjmy v podob\u011b dividend a \u00farok\u016f. Takov\u00fdmi investicemi vyd\u011bl\u00e1te i polovinu toho, co pot\u0159ebujete na rentu.<\/p>\n

Mal\u00fd p\u0159\u00edklad. Na rentu 30 000 K\u010d m\u011bs\u00ed\u010dn\u011b pot\u0159ebujete m\u00edt zhruba 10 milion\u016f korun. Pokud budete dob\u0159e investovat, tak polovinu – 5 milion\u016f korun – v\u00e1m mohou p\u0159in\u00e9st investice, pokud na to m\u00e1te \u010das 15 let.<\/p>\n

Investov\u00e1n\u00edm m\u00e1me na mysli dlouhodob\u00e9 investov\u00e1n\u00ed a ne spekulativn\u00ed obchodov\u00e1n\u00ed na burze, forexu nebo s kryptom\u011bnami. Spekulativn\u00ed obchodov\u00e1n\u00ed je toti\u017e v podstat\u011b druh\u00e1 pr\u00e1ce a vy\u017eaduje extr\u00e9mn\u00ed nasazen\u00ed.<\/p>\n

D\u00edky ETF fond\u016fm a dal\u0161\u00edm finan\u010dn\u00edm instrument\u016fm poraz\u00edte inflaci a v\u00fdnos z investice nespolknou poplatky.<\/p>\n

6. Udr\u017ete sv\u00e9 emoce na uzd\u011b<\/h2>\n

\"\"S investov\u00e1n\u00edm jsou spojen\u00e9 emoce. \u017d\u00e1dn\u00fd investor se jim nevyhne. Ale m\u016f\u017ee se nau\u010dit udr\u017eet sv\u00e9 emoce pod kontrolou.<\/p>\n

Asi v\u0161ichni zn\u00e1me situace, kdy lid\u00e9 podlehnou emoc\u00edm a prod\u00e1vaj\u00ed sv\u00e9 investice zrovna, kdy\u017e jsou trhy nejn\u00ed\u017ee. Moc se nemluv\u00ed o tom, \u017ee pod vlivem emoc\u00ed kupuj\u00ed drah\u00e9 produkty, kdy\u017e jsou trhy naho\u0159e.<\/p>\n

Z\u00e1kladem pro zvl\u00e1d\u00e1n\u00ed emoc\u00ed je odhadnout svou chu\u0165 pro riziko. Podle toho vyb\u00edrat portfolio investic, kter\u00e9 dok\u00e1\u017eu ust\u00e1t.<\/p>\n

Je pot\u0159eba se p\u0159ipravit na to, \u017ee budou trhy kol\u00edsat. To je p\u0159irozenost. Nicm\u00e9n\u011b v dlouhodob\u00e9m horizontu bude va\u0161e portfolio r\u016fst i p\u0159es v\u011bt\u0161\u00ed \u010di men\u0161\u00ed poklesy.<\/p>\n

Emoce mus\u00ed b\u00fdt sou\u010d\u00e1st\u00ed investi\u010dn\u00edho pl\u00e1nu a pl\u00e1n je mus\u00ed respektovat. Samotn\u00fd fakt, \u017ee m\u00e1te pl\u00e1n, s emocemi hodn\u011b pom\u00e1h\u00e1.<\/p>\n

Na za\u010d\u00e1tku investov\u00e1n\u00ed se vyplat\u00ed b\u00fdt sp\u00ed\u0161 konzervativn\u00ed a postupem \u010dasu p\u0159id\u00e1vat riziko. Ale samoz\u0159ejm\u011b mus\u00edte i v\u010das brzdit, proto\u017ee mistr\u016f sv\u011bta, kte\u0159\u00ed p\u0159i\u0161li o podstatnou \u010d\u00e1st sv\u00e9ho majetku, zn\u00e1me tak\u00e9 hodn\u011b.<\/p>\n

7. Sta\u010d\u00ed vydr\u017eet<\/h2>\n

\"\"Doj\u00edt k finan\u010dn\u00ed nez\u00e1vislosti vy\u017eaduje vytrvalost a discipl\u00ednu. Discipl\u00ednu ve smyslu dodr\u017eovat nastaven\u00fd investi\u010dn\u00ed pl\u00e1n a nepodl\u00e9hat \u201em\u00f3dn\u00edm\u201c v\u00fdst\u0159elk\u016fm, nap\u0159\u00edklad ve form\u011b kryptom\u011bn.<\/p>\n

D\u00edky pravideln\u00e9 p\u00e9\u010di o sv\u00e9 pen\u00edze v\u00edte, co p\u0159esn\u011b se s nimi d\u011bje. Kdy\u017e se objev\u00ed voln\u00e9 pen\u00edze, tak v\u00edte, co s nimi ud\u011blat. Kdy\u017e p\u0159ijde bublina, v\u00edte, jak se zachovat. Kdy\u017e p\u0159ijde krize, v\u00edte p\u0159esn\u011b co d\u011blat.<\/p>\n

Neutr\u00e1c\u00edte za zbyte\u010dnosti. S ka\u017ed\u00fdm rokem jste bl\u00ed\u017e a bl\u00ed\u017e sv\u00e9mu c\u00edli. Zat\u00edm co ostatn\u00ed propaluj\u00ed svou energii i pen\u00edze za nejdra\u017e\u0161\u00ed telefony, nejnov\u011bj\u0161\u00ed auta a dal\u0161\u00ed m\u00f3dn\u00ed v\u00fdst\u0159elky.<\/p>\n

Nen\u00ed to pro ka\u017ed\u00e9ho<\/h2>\n

Pro dosa\u017een\u00ed finan\u010dn\u00ed nez\u00e1vislosti\u00a0nemus\u00edte m\u00edt vlastn\u00ed firmu ani d\u011blat vysok\u00e9ho mana\u017eera ve st\u00e1tn\u00edm podniku ani spol\u00e9hat na n\u00e1hodu. To neznamen\u00e1, \u017ee v\u00e1m v\u0161echno spadne samo do kl\u00edna.<\/p>\n

Stanovit si c\u00edl a vydr\u017eet za n\u00edm j\u00edt p\u0159es v\u0161echny mo\u017en\u00e9 p\u0159ek\u00e1\u017eky nen\u00ed snadn\u00e9.<\/p>\n

Nav\u00edc ani t\u011bchto 7 krok\u016f nen\u00ed nic moc sexy. Na prvn\u00ed pohled mo\u017en\u00e1 vypadaj\u00ed oby\u010dejn\u011b. Ale v\u011bt\u0161ina funguj\u00edc\u00edch v\u011bc\u00ed nen\u00ed moc t\u0159pytiv\u00fdch.<\/p>\n

Kdy\u017e se budete bavit s \u00fasp\u011b\u0161n\u00fdmi lidmi, tak zjist\u00edte, \u017ee d\u011blaj\u00ed v\u011bci, kter\u00e9 vypadaj\u00ed oby\u010dejn\u011b a vydr\u017e\u00ed je d\u011blat d\u00e9le ne\u017e ostatn\u00ed.<\/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 ov\u011b\u0159en\u00e9mu 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

Kter\u00fd krok je podle v\u00e1s nejleh\u010d\u00ed a kter\u00fd nejt\u011b\u017e\u0161\u00ed? Jak\u00fdm sm\u011brem m\u00e1 smysl se k finan\u010dn\u00ed nez\u00e1vislosti vydat? U\u017e jste vyrazili – co v\u00e1m funguje?<\/p>\n","protected":false},"excerpt":{"rendered":"

Abyste dos\u00e1hli svobodu, kterou jste v\u017edycky cht\u011bli<\/p>\n","protected":false},"author":1,"featured_media":466,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","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":[1],"tags":[7,11],"yoast_head":"\n7 krok\u016f, kter\u00e9 v\u00e1s dovedou k finan\u010dn\u00ed nez\u00e1vislosti - InvestGuru.cz<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\" \/>\n<meta property=\"og:locale\" content=\"cs_CZ\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"7 krok\u016f, kter\u00e9 v\u00e1s dovedou k finan\u010dn\u00ed nez\u00e1vislosti\" \/>\n<meta property=\"og:description\" content=\"Abyste dos\u00e1hli svobodu, kterou jste v\u017edycky cht\u011bli\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\" \/>\n<meta property=\"og:site_name\" content=\"InvestGuru.cz\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/Fichtner-sro-185375650667\/\" \/>\n<meta property=\"article:author\" content=\"https:\/\/www.facebook.com\/fichtner.cz\" \/>\n<meta property=\"article:published_time\" content=\"2019-02-08T11:00:07+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2019-02-08T12:19:10+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/02\/blog-financni-nezavislost.png\" \/>\n\t<meta property=\"og:image:width\" content=\"1000\" \/>\n\t<meta property=\"og:image:height\" content=\"524\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"T\u00fdm InvestGuru\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Napsal(a)\" \/>\n\t<meta name=\"twitter:data1\" content=\"T\u00fdm InvestGuru\" \/>\n\t<meta name=\"twitter:label2\" content=\"Odhadovan\u00e1 doba \u010dten\u00ed\" \/>\n\t<meta name=\"twitter:data2\" content=\"9 minut\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/#article\",\"isPartOf\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\"},\"author\":{\"name\":\"T\u00fdm InvestGuru\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/#\/schema\/person\/66b95bf281e1e7dfe1bacbc5833f6a81\"},\"headline\":\"7 krok\u016f, kter\u00e9 v\u00e1s dovedou k finan\u010dn\u00ed nez\u00e1vislosti\",\"datePublished\":\"2019-02-08T11:00:07+00:00\",\"dateModified\":\"2019-02-08T12:19:10+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\"},\"wordCount\":1780,\"commentCount\":3,\"publisher\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/#organization\"},\"image\":{\"@id\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/www.investguru.cz\/cs\/wp-content\/uploads\/2019\/02\/blog-financni-nezavilost.jpg\",\"keywords\":[\"finan\u010dn\u00ed nez\u00e1vislost\",\"investi\u010dn\u00ed pl\u00e1n\"],\"articleSection\":[\"\u010cl\u00e1nky\"],\"inLanguage\":\"cs\",\"potentialAction\":[{\"@type\":\"CommentAction\",\"name\":\"Comment\",\"target\":[\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/#respond\"]}]},{\"@type\":\"WebPage\",\"@id\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\",\"url\":\"https:\/\/www.investguru.cz\/cs\/7-kroku-k-financni-nezavislosti\/\",\"name\":\"7 krok\u016f, kter\u00e9 v\u00e1s dovedou k finan\u010dn\u00ed nez\u00e1vislosti - 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