Получила 1.500.000 и все СПУСТИЛА. Тратит В НОЛЬ. Раздельный бюджет | Финансовый аудит с Сашей

She received 1,500,000 and LOST IT ALL. Spends to ZERO. Separate budget | Financial audit with Sasha    • Получила 1.500.000 и все СПУСТИЛА. Тратит ...   ABOUT RIGHTS AND LIABILITIES: This video is for informational, educational, and entertainment purposes only. The author expresses his personal opinion and analyzes financial habits as part of his own show. Anything stated on the channel does not constitute individual investment advice (IRA). The author does not encourage the purchase or sale of any financial instruments. Remember: investing always involves the risk of capital loss. Before making any financial decisions, conduct your own analysis. We are here to learn from the mistakes of others and become financially free. 🟣 Financial Audit Club - my audio analysis of anonymous financial issues for those who want to not just stop doing financial nonsense, but start saving money and building capital: https://t.me/CommunityAudit_bot?start... 🟡Financial Audit Telegram. Subscribe to Telegram: https://t.me/afterfinaudit. A community where we post all the evidence supporting our heroes and announce new episodes. _______________________ Table with all English courses: https://englishtochka.ru _______________________ TIMESTAMPS: 00:00 Intro 01:01 Introduction to the heroine and her financial goals 01:31 Why Vika lived "hardly" and didn't save 03:59 The story of a mortgage in Yanino and service housing 07:35 How Vika "blows away" 1.5 million rubles from the Zemsky doctor 12:36 The balance between impressions and a financial cushion 14:48 A safety cushion from her husband and investment experience 18:27 The psychology of risk: fear of loss in the stock market 21:12 A down payment loan and financial anxiety 28:41 Why it's not customary to discuss income in the family 37:30 Hidden car expenses and the distribution of the family budget 42:33 Obligations in medicine: Residency and Job Change Prospects 57:20 Detailed Expense Analysis: Marketplaces, Food, and Gifts 1:12:28 Creating a New, Realistic Budget for Vika 1:31:23 Summary, Scoring, and Final Advice In this episode, Sasha Rubanov conducts a financial audit for 29-year-old Victoria, a general practitioner from the Leningrad Region. Her main problems are constant anxiety, financial instability, and an inability to save, despite the fact that her combined income with her husband allows her to save. During the conversation, Vika's key financial mistakes and triggers are revealed: Previous attitude toward money: She previously received a 1.5 million ruble payment from the "Zemsky Doctor" program, which she spent entirely on momentary experiences, a used car (soon totaled), and gifts, leaving no foundation for the future. After this, she had to take out a 600,000 ruble loan for the down payment on her mortgage. Challenges in family communication: Victoria's husband earns twice as much as she does, yet the couple is completely lacking transparency regarding finances. They don't discuss each other's incomes, have no clear agreements on how to split expenses, and Vika subconsciously doesn't consider the financial cushion her husband provided her, which fuels her feelings of guilt and fear of being left with nothing. Instability and expenses: The situation worsened when Vika's income from her main job decreased and began to fluctuate. Meanwhile, the family effectively pays for two utilities (living alternately in company housing and a mortgaged two-bedroom apartment in Yanino), and also has hidden increased expenses for food and marketplaces. Subscribe and wait for future videos. ▶️ Want to be a guest of the Financial Audit? We're recording live in St. Petersburg. To apply, fill out the form: https://forms.gle/44LyRGRowLVu8k2DA