ОЛЬГА ГОГАЛАДЗЕ: Как навести порядок в деньгах, что будет с рублём и как начать инвестировать с нуля

1) Link to the Telegram channel: Olga Gogaladze https://t.me/+hUz4iEZbGcUxODky 2) Articles "Saving Millions on Housing. An Overview of Subsidized Mortgages and Subsidies." https://t.me/pro_sdelki_bot?start=pre... 3) Free Marathon "Debt Relief": https://investmafk.ru/dolgovaya_razgr... 4) Free 3-day marathon "7 Ways to Invest Money in 2025" https://t.me/profinansy_7sposobovbot?... 5) Summary of the book "Brain and Money." How to Train 100 Billion Neurons to Make Good Financial Decisions | Jason Zweig ttps://telegram.me/biblioteka_investora_bot?start=file_77__stein (https://telegram.me/biblioteka_invest...) Olga Gogaladze is an economist, financial consultant, specialist in financial markets, brokerage and dealer activities, and entrepreneur. Over 10 years of banking experience. Creator of PRO.FINANSY, Russia's largest online school for financial literacy and investments. This turned out to be a very rich and insightful conversation about money, fears, and the reality of finance in modern Russia. Together with financial consultant Olga Gogaladze, we discussed why Russians are afraid of their deposits closing, whether a collapse of the banking system is really possible, and what's happening with mortgages and loans. We discussed how to buy an apartment for 30% down, buy land from the state for next to nothing, and build a house without going into debt. We discussed energy exports, the ruble's decline, the impact of the US on the global economy, and why default isn't the biggest threat. We explored behavioral economics: why investing is so difficult for us, how the brain prevents us from saving, and how dopamine works when we make impulse purchases. We also touched on the topic of automatic savings, brokerage accounts, financial goals for ordinary people, and the role of consultants. The finale covered financial compatibility in couples, accelerating spending, lawsuits in business, and the main principle: how to earn, spend, and still manage to invest. The discussion was honest, helpful, and, in places, unexpected. 00:00 Teaser 00:51 Introduction 02:09 Why you shouldn't worry about your deposits, debunking economic myths 04:03 Mortgages and loans: availability and growing demand 06:02 How to get large mortgages, the process and requirements 07:33 Buying an apartment for 30%: an investment scheme 09:57 Risks of construction loans, examples of problems 11:45 Dreaming of a home: availability of land and construction 12:14 Why is construction expensive, rising prices and hidden costs 12:51 Land buyout from the state: how it works 14:12 Finding and registering a plot, tools and nuances 16:10 Mortgage secured by land: how to get money for construction 17:15 Different approaches to construction 19:50 Economy and construction: the influence of the dollar and imports 23:31 Energy exports, the market and sanctions 24:12 Problems with currencies - Indian rupees and currency controls 25:56 How the US prints money: the dollar and the global economy 28:53 Inflation vs. default, global risks 29:56 Investing in OFZs — reliability and profitability 32:43 The rule of 72 and liquidity funds, how to double your investments 34:42 Behavioral economics — why we don't like to wait 36:19 Devaluation of the future, investor thinking errors 37:14 Ruble deposits — high rates and stability 38:02 Bank risks, history, and regulation 39:12 What to do with a million — interest-bearing investments 39:40 Crises and inequality: how different groups suffer 40:14 How business can profitably invest, financial instruments 41:11 Financial goals of ordinary people — where to start 44:47 Brokerage account: you can start with 1 ruble 46:21 Investing psychology — how Changing your thinking 47:03 Piggy Bank: A Simple Way to Save a Large Sum 48:04 Self-Control and Impulsive Spending, How to Keep Yourself in Check 48:59 CBT and Finances — Working with Thinking and Habits 49:53 Dopamine and Money: How the Brain Influences Purchases 51:24 Completing the Dopamine Cycle: How to Switch 54:19 A Wish List — A Tool Against Impulsive Spending 56:03 Financial Advisor: Why You Need One 57:48 Budgeting, How to Structure Your Income 58:43 Money Management — From Assistant to Consultant 59:41 How to Choose a Consultant: Compatibility and Tasks 01:00:12 Financial Values ​​in a Couple — How to Avoid Fighting Over Money 01:01:03 Spending Acceleration: What It Is and How to Stop It 01:02:44 Courts and Business — Legal Reality 01:04:14 Personal experience: earnings, expenses, and principles 01:07:05 Recommendations - books, lessons, and channel subscription 01:08:05 Conclusion For advertising and partnership inquiries: Mail: [email protected] TG: @Tonis_me My Social Media: Instagram*: @antonistein TG: https://t.me/fatherwow *Meta has been deemed extremist by the Russian Ministry of Justice #finance #mortgage #dollar #family #apartment #education