{"id":112905,"date":"2026-06-10T03:50:07","date_gmt":"2026-06-10T03:50:07","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/112905\/"},"modified":"2026-06-10T03:50:07","modified_gmt":"2026-06-10T03:50:07","slug":"jak-vyjde-s-penezi-fotografka-martina","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/112905\/","title":{"rendered":"Jak vyjde s pen\u011bzi fotografka Martina"},"content":{"rendered":"

D\u011bkujeme, \u017ee jste ochotni sv\u011b\u0159it n\u00e1m sv\u00e9 hospoda\u0159en\u00ed a\u00a0popsat, jak jako rodina vych\u00e1z\u00edte s\u00a0p\u0159\u00edjmy. Chcete se tak\u00e9 p\u0159idat? Popis finan\u010dn\u00ed situace a\u00a0vypln\u011bn\u00fd dotazn\u00edk pos\u00edlejte na adresu redakce.prozeny@firma.seznam.cz<\/a>. V\u0161e z\u016fst\u00e1v\u00e1 zcela anonymn\u00ed.<\/p>\n

Projekt Mluvte o\u00a0pen\u011bz\u00edch! na Pro\u017eeny.cz<\/p>\n

Seri\u00e1l pro \u017eeny o\u00a0financ\u00edch. Na str\u00e1nk\u00e1ch Pro\u017eeny.cz<\/a> se v\u00a0projektu Mluvte o\u00a0pen\u011bz\u00edch!<\/a> dlouhodob\u011b zab\u00fdv\u00e1me hospoda\u0159en\u00edm \u010desk\u00fdch rodin a\u00a0v podcastu i\u00a0\u010dl\u00e1nc\u00edch konzultujeme se zku\u0161en\u00fdmi odborn\u00edky r\u016fzn\u00e1 finan\u010dn\u00ed t\u00e9mata, kter\u00e1 se t\u00fdkaj\u00ed b\u011b\u017en\u00fdch dom\u00e1c\u00edch rozpo\u010dt\u016f (\u00faspory v\u00a0dom\u00e1cnosti, spo\u0159en\u00ed na d\u016fchod, tvorba pen\u011b\u017en\u00ed rezervy, drobn\u00e9 investice, d\u011blen\u00ed majetku p\u0159i rozvodu\u2026). <\/p>\n

Starosti maj\u00ed za sebou, cht\u011bj\u00ed si u\u017e\u00edt radost\u00ed<\/p>\n

Do rodiny fotografky Martiny (55) a\u00a0\u0159emesln\u00edka Pavla (55) vstoupilo t\u00e9ma d\u011bdictv\u00ed<\/a>. Po letech, kdy jako OSV\u010c m\u011bli co d\u011blat, aby u\u017eivili rodinu, splatili byt a\u00a0dali sv\u00fdm dv\u011bma d\u011btem n\u011bco do z\u00e1klad\u016f, nastala doba, kdy si cht\u011bj\u00ed trochu v\u00edc u\u017e\u00edvat \u017eivota. Zvl\u00e1\u0161\u0165 te\u010f, kdy\u017e se rozhodli prodat star\u0161\u00ed d\u016fm, kter\u00fd Martina zd\u011bdila po mamince. A\u00a0rovnou si \u0159ekli, \u017ee by \u010d\u00e1st pen\u011bz z\u00a0prodeje pou\u017eili na n\u00e1kup karavanu<\/a>.<\/p>\n

\u201eCel\u00fd \u017eivot jsme pracovali, spl\u00e1celi bydlen\u00ed, pom\u00e1hali d\u011btem a\u00a0\u0161et\u0159ili. Te\u010f bychom si cht\u011bli splnit sen. Karavan by pro n\u00e1s znamenal svobodu,\u201c \u0159\u00edk\u00e1. Jen\u017ee jako podnikatel\u00e9 nemaj\u00ed st\u00e1l\u00e9 p\u0159\u00edjmy, tak\u017ee mus\u00ed m\u00edt rezervu na slab\u0161\u00ed m\u011bs\u00edce, ale i\u00a0servis auta nebo ne\u010dekan\u00e9 v\u00fddaje. \u201eKdy\u017e je pr\u00e1ce hodn\u011b, m\u00e1me pocit, \u017ee jsme v\u00a0pohod\u011b. Jen\u017ee v\u00edme, \u017ee zdrav\u00ed nen\u00ed samoz\u0159ejmost. A\u00a0taky \u017ee za deset let u\u017e mo\u017en\u00e1 nebudeme cht\u00edt nebo moct pracovat stejn\u011b jako dnes,\u201c dod\u00e1v\u00e1 Martina.<\/p>\n

Chceme cestovat, ale nechceme b\u00fdt na obt\u00ed\u017e<\/p>\n

Martina s\u00a0Pavlem maj\u00ed dohromady p\u0159\u00edjem kolem 112\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b\u00a0\u2013 p\u0159ed zapo\u010dten\u00edm dan\u00ed, odvod\u016f a\u00a0nepravideln\u00fdch n\u00e1klad\u016f. Proto\u017ee jsou oba OSV\u010c, \u010d\u00e1st pen\u011bz odch\u00e1z\u00ed na soci\u00e1ln\u00ed a\u00a0zdravotn\u00ed poji\u0161t\u011bn\u00ed, dan\u011b, vybaven\u00ed, pohonn\u00e9 hmoty, servis auta a\u00a0dal\u0161\u00ed v\u00fddaje spojen\u00e9 s\u00a0prac\u00ed. Jen spl\u00e1tka dod\u00e1vky je stoj\u00ed 8\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b a\u00a0pob\u011b\u017e\u00ed je\u0161t\u011b zhruba p\u011bt let. B\u011b\u017en\u00e9 n\u00e1klady na \u017eivot v\u00a0Praze maj\u00ed p\u0159ibli\u017en\u011b 70\u00a0a\u017e 75\u00a0tis\u00edc korun m\u011bs\u00ed\u010dn\u011b bez zapo\u010dten\u00ed odvod\u016f st\u00e1tu.<\/p>\n

Na spo\u0159ic\u00edm \u00fa\u010dtu dr\u017e\u00ed asi 300\u00a0tis\u00edc korun jako rychle dostupnou rezervu<\/a>. Krom\u011b toho maj\u00ed p\u0159ibli\u017en\u011b 900\u00a0tis\u00edc korun v\u00a0penzijn\u00edch produktech a\u00a0konzervativn\u011bj\u0161\u00edch investic\u00edch. Dohromady tedy naspo\u0159ili zhruba 1,2\u00a0milionu korun, co\u017e je v\u00edc ne\u017e jen z\u00e1kladn\u00ed rezerva, ale vzhledem k\u00a0jejich v\u011bku, podnik\u00e1n\u00ed a\u00a0o\u010dek\u00e1van\u00e9mu d\u016fchodu to st\u00e1le nemus\u00ed sta\u010dit. Odhaduj\u00ed, \u017ee jejich d\u016fchody<\/a> by se kv\u016fli podnik\u00e1n\u00ed mohly pohybovat jen okolo 11\u00a0500\u00a0korun.<\/p>\n

Pr\u00e1v\u011b proto by byl sice karavan za zhruba 1,5\u00a0milionu korun spln\u011bn\u00edm snu, ale z\u00e1rove\u0148 by ukrojil v\u00fdznamnou \u010d\u00e1st pen\u011bz, kter\u00e9 mohou jednou pot\u0159ebovat na d\u016fchod. \u201eNa pap\u00ed\u0159e to vypad\u00e1 jednodu\u0161e. N\u011bco zd\u011bd\u00edme<\/a>, n\u011bco m\u00e1me na\u0161et\u0159eno, byt je splacen\u00fd. Jen\u017ee dcera se pt\u00e1, jestli si opravdu m\u016f\u017eeme dovolit utratit tolik za v\u011bc, kter\u00e1 za deset let nebude m\u00edt skoro \u017e\u00e1dnou hodnotu. Nav\u00edc nazna\u010dila, \u017ee ona s\u00a0man\u017eelem a\u00a0d\u011btmi bydl\u00ed v\u00a0pron\u00e1jmu\u2026 Syn \u0159\u00edk\u00e1, \u017ee nem\u00e1me v\u0161echno odkl\u00e1dat na dobu, kdy u\u017e nebudeme m\u00edt s\u00edlu cestovat. A\u00a0my s\u00a0Pavlem jsme n\u011bkde mezi ob\u011bma n\u00e1zory,\u201c \u0159\u00edk\u00e1.<\/p>\n

Pen\u00edze se tak v\u00a0jejich rodin\u011b p\u0159estaly t\u00fdkat jen \u00fa\u010dtu, \u00faspor a\u00a0investic<\/a>. Najednou se v\u00a0nich objevily i\u00a0emoce. \u201eJe to smutek po ztr\u00e1t\u011b maminky, strach z\u00a0nedostatku, obava z\u00a0kontroly, ot\u00e1zka d\u011bdictv\u00ed, pomoc d\u011btem i\u00a0p\u0159edstava, jak m\u00e1 vypadat klidn\u00e9 st\u00e1\u0159\u00ed,\u201c p\u0159izn\u00e1v\u00e1.<\/p>\n

O pen\u011bz\u00edch se u\u00a0n\u00e1s mluv\u00ed opatrn\u011b<\/p>\n

Martina p\u0159izn\u00e1v\u00e1, \u017ee o\u00a0financ\u00edch se v\u00a0jejich rodin\u011b nikdy otev\u0159en\u011b nemluvilo. S\u00a0Pavlem \u0159e\u0161\u00ed b\u011b\u017en\u00e9 v\u00fddaje, ale o\u00a0d\u016fchodu mluvili zat\u00edm sp\u00ed\u0161 obecn\u011b. S\u00a0d\u011btmi o\u00a0pen\u011bz\u00edch mluv\u00ed hlavn\u011b ve chv\u00edli, kdy jim cht\u011bj\u00ed n\u011bjak pomoct. O\u00a0d\u011bdictv\u00ed se d\u0159\u00edv nemluvilo skoro v\u016fbec, a\u00a0pr\u00e1v\u011b proto je te\u010f pro v\u0161echny t\u011b\u017ek\u00e9 s\u00a0t\u00edm za\u010d\u00edt. \u201eNechci, aby to vypadalo, \u017ee jsem \u010dekala na d\u011bdictv\u00ed, ale nechci tak\u00e9, aby m\u011b d\u011bti kontrolovaly, i\u00a0kdy\u017e ch\u00e1pu, \u017ee se ptaj\u00ed nejen na to, jak\u00e9 pl\u00e1ny s\u00a0n\u00edm m\u00e1me a\u00a0jestli mysl\u00edme na d\u016fchod<\/a> tak, abychom ve st\u00e1\u0159\u00ed ne\u0159e\u0161ili ka\u017edou korunu,\u201c \u0159\u00edk\u00e1 Martina.<\/p>\n

Pr\u00e1v\u011b proto za\u010dali uva\u017eovat o\u00a0finan\u010dn\u00edm poradci. P\u016fvodn\u011b \u010dekali hlavn\u011b radu, jestli si mohou dovolit karavan<\/a>, nebo maj\u00ed pen\u00edze investovat. Nakonec ale zjistili, \u017ee pot\u0159ebuj\u00ed i\u00a0n\u011bkoho, kdo pom\u016f\u017ee celou debatu uklidnit. \u201eKdy\u017e n\u00e1m to \u0159\u00edk\u00e1 dcera, bereme to osobn\u011b. Kdy\u017e to \u0159ekne odborn\u00edk na finance, je to snaz\u0161\u00ed p\u0159ijmout,\u201c dod\u00e1v\u00e1 Martina.<\/p>\n

FINAN\u010cN\u00cd DOTAZN\u00cdK FOTOGRAFKY MARTINY<\/p>\n

DOTAZN\u00cdK: RODINN\u00c9 FINANCE MARTINY A\u00a0PAVLA<\/p>\n

Jm\u00e9no a\u00a0v\u011bk: Martina, 55\u00a0let; Pavel, 57\u00a0let<\/p>\n

Rodinn\u00fd stav a\u00a0d\u011bti: Vdan\u00e1, dv\u011b dosp\u011bl\u00e9 d\u011bti \u017eij\u00ed samostatn\u011b<\/p>\n

Povol\u00e1n\u00ed: Martina fotografka, Pavel \u0159emesln\u00edk; oba OSV\u010c<\/p>\n

Kolik daj\u00ed dohromady: P\u0159ibli\u017en\u011b 112\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b p\u0159ed zapo\u010dten\u00edm odvod\u016f, dan\u00ed a\u00a0nepravideln\u00fdch podnikatelsk\u00fdch v\u00fddaj\u016f.<\/p>\n

Bydlen\u00ed: Vlastn\u00ed byt v\u00a0Praze, hypot\u00e9ka je splacen\u00e1.<\/p>\n

V\u011bt\u0161\u00ed z\u00e1vazky: Spl\u00e1tka dod\u00e1vky 8\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b, je\u0161t\u011b zhruba 5\u00a0let.<\/p>\n

Pravideln\u00e9 v\u00fddaje: Odvody st\u00e1tu (soci\u00e1ln\u00ed a\u00a0zdravotn\u00ed poji\u0161t\u011bn\u00ed, z\u00e1lohy na da\u0148 z\u00a0p\u0159\u00edjmu) p\u0159ibli\u017en\u011b 28\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b za oba, energie, fond oprav, slu\u017eby a\u00a0provoz dom\u00e1cnosti asi 9\u00a0000\u00a0K\u010d, potraviny a\u00a0drogerie 16\u00a0000\u00a0K\u010d, doprava a\u00a0pohonn\u00e9 hmoty 10\u00a0000\u00a0K\u010d, telefony, internet a\u00a0poji\u0161t\u011bn\u00ed 6\u00a0000\u00a0K\u010d, slu\u017eby \u00fa\u010detn\u00ed 3\u00a0000\u00a0K\u010d, kultura, kon\u00ed\u010dky a\u00a0voln\u00fd \u010das 7\u00a0000\u00a0K\u010d, oble\u010den\u00ed a\u00a0obuv 3\u00a0000\u00a0K\u010d, cestov\u00e1n\u00ed, n\u00e1v\u0161t\u011bvy rodiny, d\u00e1rky, restaurace a\u00a0dal\u0161\u00ed nepravideln\u00e9 v\u00fddaje p\u0159ibli\u017en\u011b 10\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b.<\/p>\n

Kolik maj\u00ed naspo\u0159eno: Asi 300\u00a0000\u00a0K\u010d na spo\u0159ic\u00edm \u00fa\u010dtu jako rezerva a\u00a0p\u0159ibli\u017en\u011b 900\u00a0000\u00a0K\u010d v\u00a0penzijn\u00edch produktech a\u00a0konzervativn\u011bj\u0161\u00edch investic\u00edch.<\/p>\n

Co zva\u017euj\u00ed: Karavan za zhruba 1,5\u00a0milionu korun z\u00a0pen\u011bz po prodeji domu po Martinin\u011b mamince, kter\u00fd m\u00e1 hodnotu cca 1,7\u00a0milionu korun.<\/p>\n

Finan\u010dn\u00ed obava: N\u00edzk\u00fd d\u016fchod kv\u016fli podnik\u00e1n\u00ed, mo\u017en\u00e9 zdravotn\u00ed omezen\u00ed Pavla, z\u00e1vislost na d\u011btech a\u00a0citliv\u00e1 debata o\u00a0d\u011bdictv\u00ed.<\/p>\n

Finan\u010dn\u00ed c\u00edl: Aktivn\u00ed d\u016fchod, cestov\u00e1n\u00ed, vlastn\u00ed rezerva a\u00a0dostatek prost\u0159edk\u016f na st\u00e1\u0159\u00ed bez z\u00e1vislosti na d\u011btech.<\/p>\n

Co doma nejv\u00edc drhne: Otev\u0159en\u00e1 debata mezi generacemi. Rodi\u010de cht\u011bj\u00ed svobodu a\u00a0pocit, \u017ee si po letech pr\u00e1ce mohou n\u011bco dop\u0159\u00e1t. D\u011bti se boj\u00ed, aby rodi\u010de pen\u00edze z\u00a0d\u011bdictv\u00ed neutratili p\u0159\u00edli\u0161 rychle a\u00a0v d\u016fchodu jim nechyb\u011bly.<\/p>\n

Odborn\u00edk: Nejd\u0159\u00edv d\u016fchodov\u00fd pl\u00e1n, potom karavan<\/p>\n

\u201ePavel a\u00a0Martina nejsou bez mo\u017enost\u00ed, ale \u010das u\u017e pro n\u011b za\u010d\u00edn\u00e1 b\u00fdt velmi d\u016fle\u017eit\u00fd. Maj\u00ed splacen\u00e9 bydlen\u00ed, deset let p\u0159\u00edjm\u016f p\u0159ed sebou, z\u00e1rove\u0148 ale nemohou o\u010dek\u00e1vat dostate\u010dn\u00fd st\u00e1tn\u00ed d\u016fchod. Proto bych byl velmi opatrn\u00fd s\u00a0n\u00e1kupem karavanu za v\u00fdznamnou \u010d\u00e1st d\u011bdictv\u00ed. Nejd\u0159\u00edv je pot\u0159eba v\u0161e spo\u010d\u00edtat, vytvo\u0159it pl\u00e1n a\u00a0maxim\u00e1ln\u011b vyu\u017e\u00edt posledn\u00ed roky aktivn\u00edho p\u0159\u00edjmu k\u00a0investov\u00e1n\u00ed<\/a>. Karavan si mohou p\u016fj\u010dovat, zat\u00edmco pen\u00edze, kter\u00e9 by za n\u011bj dnes utratili, mohou pracovat na jejich budouc\u00ed nez\u00e1vislosti,\u201c \u0159\u00edk\u00e1 Vojt\u011bch \u0160majer, produktov\u00fd analytik OVB Allfinanz pro investice a\u00a0penze, kter\u00fd m\u00e1 p\u00e1r doporu\u010den\u00ed.<\/p>\n

Zat\u00edm jejich finan\u010dn\u00ed situace nep\u016fsob\u00ed dramaticky. V\u00a0d\u016fchodu se ale m\u016f\u017ee v\u00fdrazn\u011b zm\u011bnit. Pokud by jejich p\u0159\u00edjmy klesly jen na st\u00e1tn\u00ed d\u016fchod, kter\u00fd se u\u00a0obou m\u016f\u017ee orienta\u010dn\u011b pohybovat dohromady okolo 23\u00a0tis\u00edc, a\u00a0rozd\u00edl mezi jejich sou\u010dasn\u00fdm \u017eivotn\u00edm stylem a\u00a0p\u0159\u00edjmem v\u00a0penzi by byl velmi v\u00fdrazn\u00fd a\u00a0dlouhodob\u011b neudr\u017eiteln\u00fd. V\u00a0d\u016fchodu mohou b\u00fdt klidn\u011b dal\u0161\u00edch 20\u00a0let.Spo\u0159ic\u00ed \u00fa\u010det je dobr\u00fd z\u00e1klad, ale v\u00a0jejich p\u0159\u00edpad\u011b pln\u00ed hlavn\u011b roli bezpe\u010dnostn\u00ed rezervy. \u010c\u00e1stka 300\u00a0tis\u00edc korun m\u016f\u017ee pomoci p\u0159i oprav\u011b auta, kr\u00e1tkodob\u00e9m v\u00fdpadku p\u0159\u00edjm\u016f nebo nenad\u00e1l\u00fdch zdravotn\u00edch v\u00fddaj\u00edch, ale d\u016fchod nevy\u0159e\u0161\u00ed. Pen\u00edze ur\u010den\u00e9 na del\u0161\u00ed horizont by m\u011bly pracovat jinak ne\u017e jen na spo\u0159ic\u00edm \u00fa\u010dtu, proto\u017ee jinak je postupn\u011b ukrajuje inflace.Je z\u00e1sadn\u00ed spo\u010d\u00edtat, kolik budou pot\u0159ebovat v\u00a0d\u016fchodu, jak\u00fd p\u0159\u00edjem mohou realisticky \u010dekat od st\u00e1tu a\u00a0jak velkou \u010d\u00e1st pen\u011bz z\u00a0prodeje domu i\u00a0sou\u010dasn\u00fdch \u00faspor by m\u011bli ponechat na dlouhodob\u00e9 zaji\u0161t\u011bn\u00ed. Pokud budou je\u0161t\u011b zhruba deset let pracovat, d\u00e1v\u00e1 smysl nastavit pravideln\u00e9 investov\u00e1n\u00ed<\/a> co nejvy\u0161\u0161\u00ed \u010d\u00e1stkou, kterou rozpo\u010det unese, a\u00a0k tomu rozumn\u011b investovat i\u00a0\u010d\u00e1st pen\u011bz z\u00a0d\u011bdictv\u00ed.Karavan p\u0159itom nemus\u00ed z\u00a0jejich \u017eivota zmizet. Jen nemus\u00ed b\u00fdt nutn\u00e9 ho hned nebo v\u016fbec kupovat. Pokud cht\u011bj\u00ed cestovat n\u011bkolik t\u00fddn\u016f v\u00a0roce, mohou si ho p\u016fj\u010dovat. Vyzkou\u0161\u00ed si, jak jim tento styl cestov\u00e1n\u00ed opravdu vyhovuje, neutop\u00ed velkou \u010d\u00e1st kapit\u00e1lu v\u00a0majetku, kter\u00fd rychle ztr\u00e1c\u00ed hodnotu, a\u00a0z\u00e1rove\u0148 si nechaj\u00ed otev\u0159enou mo\u017enost, \u017ee se jejich pot\u0159eby s\u00a0v\u011bkem zm\u011bn\u00ed.Dal\u0161\u00ed mo\u017enost\u00ed do budoucna m\u016f\u017ee b\u00fdt takzvan\u00fd downsizing. Pokud by se uk\u00e1zalo, \u017ee jejich d\u016fchodov\u00e9 p\u0159\u00edjmy budou p\u0159\u00edli\u0161 n\u00edzk\u00e9, mohou jednou zv\u00e1\u017eit prodej pra\u017esk\u00e9ho bytu<\/a>, p\u0159est\u011bhov\u00e1n\u00ed do levn\u011bj\u0161\u00edho regionu a\u00a0investov\u00e1n\u00ed \u010d\u00e1sti pen\u011bz tak, aby jim vytv\u00e1\u0159ely rentu vedle st\u00e1tn\u00edho d\u016fchodu. Pro rodinu to ale m\u016f\u017ee b\u00fdt citliv\u00e9 rozhodnut\u00ed: d\u011bti by p\u0159i\u0161ly o\u00a0bl\u00edzkost rodi\u010d\u016f a\u00a0p\u0159\u00edpadnou pomoc s\u00a0vnou\u010daty, rodi\u010de zase o\u00a0prost\u0159ed\u00ed, na kter\u00e9 jsou zvykl\u00ed.Finan\u010dn\u00ed poradce jako\u00a0prost\u0159edn\u00edk <\/p>\n

V p\u0159\u00edb\u011bhu Martiny a\u00a0Pavla ale nejde jen o\u00a0v\u00fdb\u011br investice a\u00a0zhodnocen\u00ed finan\u010dn\u00ed situace. Stejn\u011b d\u016fle\u017eit\u00e9 je, aby o\u00a0pen\u011bz\u00edch dok\u00e1zali mluvit v\u00a0r\u00e1mci rodiny otev\u0159en\u011b a\u00a0bez v\u00fd\u010ditek. D\u011bti pot\u0159ebuj\u00ed sly\u0161et, \u017ee rodi\u010de maj\u00ed pl\u00e1n a\u00a0nebudou se muset jednou spol\u00e9hat jen na jejich pomoc. Rodi\u010de zase pot\u0159ebuj\u00ed c\u00edtit, \u017ee jim d\u011bti neberou pr\u00e1vo rozhodovat o\u00a0vlastn\u00edm \u017eivot\u011b. A\u00a0cel\u00e1 rodina pot\u0159ebuje otev\u0159\u00edt t\u00e9ma d\u011bdictv\u00ed d\u0159\u00edv, ne\u017e se z\u00a0n\u011bj stane zdroj zklam\u00e1n\u00ed nebo tlaku. \u201eFinan\u010dn\u00ed poradci mohou b\u00fdt medi\u00e1torem, kter\u00fd pom\u016f\u017ee rodin\u011b t\u00e9ma bez zbyte\u010dn\u00fdch emoc\u00ed otev\u0159\u00edt. Objektivn\u011b zhodnot\u00ed situaci, uk\u00e1\u017e\u00ed vhodn\u00e9 mo\u017enosti a\u00a0napl\u00e1nuj\u00ed dal\u0161\u00ed kroky. Pomohou tak p\u0159edej\u00edt nep\u0159\u00edjemn\u00fdm situac\u00edm, kter\u00e9 by v\u00a0p\u0159\u00edpad\u011b ne\u010dinnosti mohly ohrozit rodinnou atmosf\u00e9ru,\u201c uv\u00e1d\u00ed Vojt\u011bch \u0160majer. <\/p>\n

V \u010desk\u00fdch dom\u00e1cnostech se bohu\u017eel na t\u00e9ma zaji\u0161t\u011bn\u00ed na d\u016fchod mezi rodi\u010di a\u00a0d\u011btmi nemluv\u00ed, jak dok\u00e1zal pr\u016fzkum, kter\u00fd si nechala zpracovat spole\u010dnost OVB Allfinanz, a.s., v\u00a0b\u0159eznu leto\u0161n\u00edho roku. Uk\u00e1zal, \u017ee a\u017e 70\u00a0% \u010cech\u016f neo\u010dek\u00e1v\u00e1, \u017ee jim d\u016fchod od st\u00e1tu posta\u010d\u00ed na pokryt\u00ed \u017eivotn\u00edch n\u00e1klad\u016f, a\u00a065\u00a0% obyvatel si spo\u0159\u00ed na st\u00e1\u0159\u00ed nad r\u00e1mec povinn\u00fdch odvod\u016f. \u010ce\u0161i tedy v\u00a0t\u00e9to oblasti podnikaj\u00ed aktivn\u00ed kroky, ale se sv\u00fdmi nejbli\u017e\u0161\u00edmi je sp\u00ed\u0161e ne\u0159e\u0161\u00ed, co\u017e je \u0161koda.<\/p>\n

S k\u00fdm jsme si pov\u00eddali o\u00a0pen\u011bz\u00edch?<\/p>\n

Mluv\u00edme se skute\u010dn\u00fdmi \u017eenami o\u00a0jejich skute\u010dn\u00fdch p\u0159\u00edjmech, v\u00fddaj\u00edch a\u00a0finan\u010dn\u00edch probl\u00e9mech.<\/p>\n

Kucha\u0159ka Katka:<\/a> Jak m\u00edt na \u00fa\u010dtu tolik, aby p\u0159e\u017eila, kdyby p\u0159i\u0161la o pr\u00e1ci?Samo\u017eivitelka asistentka Blanka:<\/a> \u017dije s kalkula\u010dkou v hlav\u011b.Matka p\u011bti d\u011bt\u00ed Jana:<\/a> Jak a\u00a0s kolika pen\u011bzi hospoda\u0159\u00ed velk\u00e1 rodina?Osam\u011bl\u00e1 d\u016fchodkyn\u011b Ad\u00e9la:<\/a> Jak vyjde ze sv\u00e9ho d\u016fchodu?Vdova Marie:<\/a> Jak se vyrovnala s finan\u010dn\u00edmi dopady po smrti man\u017eela?T\u0159icetilet\u00e1 asistentka Mark\u00e9ta:<\/a> Jak zvl\u00e1d\u00e1 hospoda\u0159it? Je na v\u0161echno sama.U\u010ditelka Marcela:<\/a> \u017dije sama s d\u011btmi a ob\u010das mus\u00ed na brig\u00e1du.Samo\u017eivitelka Lucie:<\/a> Jak u\u017eiv\u00ed dv\u011b d\u011bti, kdy\u017e pracuje jen 9 m\u011bs\u00edc\u016f v roce?Invalidn\u00ed d\u016fchodkyn\u011b Mariana:<\/a> Jak vy\u017eije t\u011b\u017ece nemocn\u00e1 \u017eena po rozvodu?Mlad\u00e1 knihovnice Erika<\/a>: Jak vy\u017eije single \u017eena s 22 tis\u00edci?Mlad\u00e1 l\u00e9ka\u0159ka Jana<\/a>: Co si m\u016f\u017ee dovolit svobodn\u00e1 \u017eena se 45 tis\u00edci?Policistka Monika:<\/a> Jak vyjde s\u00a0v\u00fdplatou svobodn\u00e1 \u017eena, kterou \u017eiv\u00ed st\u00e1t?St\u00e1tn\u00ed zam\u011bstnankyn\u011b Eva:<\/a> 3 d\u011bti, hypot\u00e9ka, alimenty… Lze to zvl\u00e1dnout?Prodava\u010dka St\u00e1\u0148a:<\/a> V\u00fdplata nic moc, a\u00a0nav\u00edc \u017e\u00e1dn\u00e9 volno.Pracovnice v kultu\u0159e Mark\u00e9ta:<\/a> Rozpo\u010det zvl\u00e1d\u00e1 d\u00edky mamince.Zdravotn\u00ed sestra Marie:<\/a> M\u00e1 se dob\u0159e, ale v\u00fddaje si hl\u00eddat mus\u00ed.L\u00e9k\u00e1rnice Gabriela:<\/a> Na m\u011bs\u00edc m\u00e1 jej\u00ed rodina 100 tis\u00edc korun.Studentka Sofie:<\/a> V\u0161echno plat\u00ed jej\u00ed p\u0159\u00edtel.Podnikatelka Lucie:<\/a> M\u00e1me 100 tis\u00edc, ale v luxusu ne\u017eijeme.Recep\u010dn\u00ed Jarka:<\/a> Po man\u017eelov\u011b \u00farazu z\u016fstali bez pen\u011bz.U\u010ditelka Libu\u0161e:<\/a> \u017dije si skv\u011ble a utr\u00e1c\u00ed za sebe.Kur\u00fdrka Blanka:<\/a> Je finan\u010dn\u011b na dn\u011b…Spr\u00e1vcov\u00e1 Ad\u00e9la:<\/a> V\u0161e platila firma, te\u010f je \u010dek\u00e1 zm\u011bna.Obsluha na benzince Mirka:<\/a> Nem\u00e1me na spole\u010dn\u00e9 bydlen\u00ed.Samo\u017eivitelka Jana<\/a>: Od nikoho nic ne\u010dek\u00e1m!Pomocn\u00e1 kucha\u0159ka Veronika<\/a>: Maj\u00ed max. 40 tis\u00edc, ale nest\u011b\u017euj\u00ed si.Invalidn\u00ed d\u016fchodkyn\u011b Ji\u0159ina:<\/a> \u017dije sama a dok\u00e1\u017ee u\u0161et\u0159it.Na\u010fa na rodi\u010dovsk\u00e9:<\/a> Nemaj\u00ed m\u00e1lo, ale po\u010d\u00edtat mus\u00ed.Grafi\u010dka Hedvika:<\/a> \u0160et\u0159\u00ed s mu\u017eem na zuby a rekonstrukci bytu.Vdova Tamara:<\/a> M\u00e1 rakovinu a z\u016fstala sama na 3 d\u011bti.Prodava\u010dka Marta:<\/a> M\u00e1me p\u011bt d\u011bt\u00ed a chceme jim dop\u0159\u00e1t i z m\u00e1la.Samo\u017eivitelka Simona:<\/a> Utekla od tyrana s d\u011btmi, chod\u00ed na brig\u00e1dy.\u00da\u010detn\u00ed Ivona:<\/a> P\u0159\u00edjem n\u00e1m umo\u017e\u0148uje pracovat m\u00e9n\u011b a\u00a0b\u00fdt s\u00a0d\u011btmi.Katka na rodi\u010dovsk\u00e9:<\/a> Vyjdeme, ale zbyte\u010dn\u011b utr\u00e1c\u00edm.Podnikatelka Ev\u017eenie:<\/a> Za\u010d\u00ednali jsme od nuly, te\u010f m\u00e1me pen\u011bz dost.Serv\u00edrka Marie:<\/a> P\u0159e\u017e\u00edv\u00e1me, ale jestli budu nemocn\u00e1, tak nev\u00edm.Mana\u017eerka Romana:<\/a> Investujeme do zlata a ne\u0161et\u0159\u00edme.Bank\u00e9\u0159ka Erika:<\/a> Zdra\u017eov\u00e1n\u00ed u\u017e m\u011b ned\u011bs\u00ed, ale boj\u00edm se nemoci.Skladnice L\u00edda:<\/a> \u017dij\u00ed z ruky do \u00fast a \u0161et\u0159it nen\u00ed z \u010deho.Kv\u011btin\u00e1\u0159ka Veronika:<\/a> Sv\u016fj vysn\u011bn\u00fd obchod u\u017e asi dlouho neudr\u017e\u00ed.Asistentka Radana:<\/a> A\u017e splat\u00edme dluhy, zbl\u00e1zn\u00edm se radost\u00ed!P\u0159ekladatelka Daniela:<\/a> Na vlastn\u00ed bydlen\u00ed nikdy neu\u0161et\u0159\u00edme…Zdravotn\u00ed sestra Marie:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, ale zase se skoro nevid\u00edme.L\u00e9k\u00e1rnice Dita:<\/a> Man\u017eel bere jen z\u00e1kladn\u00ed plat, zbytek na ruku.Zdravotn\u00ed sestra T\u00e1\u0148a:<\/a> Nev\u00edm, kolik bere man\u017eel, a nevad\u00ed mi to.D\u016fchodkyn\u011b Radana:<\/a> Chod\u00edm na brig\u00e1dy a nedr\u017e\u00edm se zp\u00e1tky.Studentka Ji\u0159ina:<\/a> Studuju a m\u00e1m dv\u011b brig\u00e1dy, ale nev\u00edm, zda vyjdu.Rozveden\u00e1 u\u010ditelka Dana:<\/a> Um\u00ed chyt\u0159e \u0161et\u0159it a chce do p\u0159ed\u010dasn\u00e9ho d\u016fchodu.Kade\u0159nice Karol\u00edna:<\/a> Dohromady daj\u00ed hodn\u011b pen\u011bz, chystaj\u00ed stavbu domu.Administrativn\u00ed pracovnice Radka:<\/a> Chod\u00ed na brig\u00e1dy a\u00a0\u0161et\u0159\u00ed, kde se d\u00e1.Ovdov\u011bl\u00e1 pokladn\u00ed Sv\u011btlana:<\/a> Nevzali jsme se, vdovsk\u00fd d\u016fchod nem\u00e1m.Silvie pracuje v kancel\u00e1\u0159i:<\/a> V\u0161echno zaplat\u00edme a spo\u0159\u00edme, ale nic si neu\u017eijeme.Pokojsk\u00e1 Kate\u0159ina:<\/a> Jsem z\u00e1visl\u00e1 na d\u00e1vk\u00e1ch. Kdy\u017e v\u00edc vyd\u011bl\u00e1m, nevy\u017eijeme.Market\u00e9rka Karla:<\/a> Vyd\u011bl\u00e1v\u00e1me dost, do d\u016fchodu chceme v\u00a050!Podruh\u00e9 vdan\u00e1 \u00fa\u010detn\u00ed Helena:<\/a> Podporuji dceru, mu\u017eovy d\u011bti mi to vy\u010d\u00edtaj\u00ed.U\u010ditelka Jana:<\/a> Kv\u016fli rodin\u011b opustila dob\u0159e placenou pr\u00e1ci, te\u010f je ale rozveden\u00e1.Pr\u016fvodkyn\u011b Romana:<\/a> Zuba\u0159e m\u00e1m v Asii, v \u010cesku chod\u00edm do sek\u00e1\u010de.B\u00fdval\u00e1 \u0159editelka \u0161koly Magdalena:<\/a> D\u011btem po mn\u011b nic nez\u016fstane. Jen d\u016fm.Program\u00e1torka Jana:<\/a> Ani s p\u0159\u00edjmem \u010dtvrt milionu m\u011bs\u00ed\u010dn\u011b neutr\u00e1c\u00edme.Prodejkyn\u011b kuchyn\u00ed Kamila:<\/a> \u017dije sama, nic j\u00ed nechyb\u00ed, ale boj\u00ed se d\u016fchodu.Lektorka Nikol na rodi\u010dovsk\u00e9:<\/a> Ex na mn\u011b parazituje, ale bez n\u011bj bych nevy\u0161la.D\u016fchodkyn\u011b Kv\u011bta:<\/a> Pracuje, spo\u0159\u00ed a\u00a0podporuje dceru v\u00a0USA.Samo\u017eivitelka Irena: <\/a>M\u00e1m dv\u011b d\u011bti, dv\u011b brig\u00e1dy a\u00a0dluhy.M\u00e1ma na mate\u0159sk\u00e9 Ilona:<\/a> Nem\u00e1me ani na po\u0159\u00e1dn\u00e9 j\u00eddlo pro d\u011bti.Studentka Sofie v dom\u00e1cnosti:<\/a> \u017diju jako milenka, v\u0161echno plat\u00ed p\u0159\u00edtel.Finan\u010dn\u00ed analyti\u010dka Janka:<\/a> Vyd\u011bl\u00e1me 220\u00a0tis\u00edc, ale skoro neutr\u00e1c\u00edme.Samo\u017eivitelka Tamara:<\/a> Je sama na \u010dty\u0159i d\u011bti, ex neplat\u00ed alimenty.Pr\u00e1vni\u010dka Marika:<\/a> M\u00e1me hodn\u011b, u\u017e\u00edv\u00e1me, ale nerozhazujeme.Seniorka Ivana:<\/a> \u017dijeme si dob\u0159e, ale co a\u017e tu jeden z\u016fstane na v\u0161e s\u00e1m?Asistentka pedagoga Magda:<\/a> Nechci alimenty ani d\u00e1vky. Dceru u\u017eiv\u00edm sama.Seniorka Alena:<\/a> D\u016fm n\u00e1m pad\u00e1 na hlavu, d\u011bti o n\u011bj nejev\u00ed z\u00e1jem.Vdova Marcela:<\/a> \u017diju jinak ne\u017e kamar\u00e1dky, mu\u017e m\u011b zabezpe\u010dil.M\u00e1ma na mate\u0159sk\u00e9 Radana:<\/a> Boj\u00edm se, aby se d\u011bti nestyd\u011bly, \u017ee jsme chud\u00ed.Kosmeti\u010dka Dominika:<\/a> N\u011bco si vyd\u011bl\u00e1me, ale nen\u00ed to \u017e\u00e1dn\u00e1 sl\u00e1va.Podnikatelka Karol\u00edna:<\/a> Jsme milion\u00e1\u0159i bez radosti, p\u0159i\u0161li jsme o syna.Maminka Pavl\u00edna:<\/a> Cht\u011bla jsem d\u011bti a\u00a0ka\u0161lala jsem na vzd\u011bl\u00e1n\u00ed.Barmanka Sv\u011btlana:<\/a> Vyd\u011bl\u00e1m si dost, ale dom\u016f chod\u00edm jen p\u0159espat.Prodava\u010dka Iveta:<\/a> P\u016fl roku \u017eijeme z\u00a0podpory a\u00a0sp\u00ed\u0161 p\u0159e\u017e\u00edv\u00e1me.Samo\u017eivitelka Romana:<\/a> Skon\u010dila jsem t\u011bhotn\u00e1 na ulici, ale nebre\u010d\u00edm.Taxik\u00e1\u0159ka V\u011bra:<\/a> Za volant sedla z nouze po rozvodu. Co d\u011blat d\u00e1l?U\u010ditelka hudby Jitka:<\/a> Aby vy\u0161la, mus\u00ed si p\u0159ivyd\u011bl\u00e1vat.Veronika na rodi\u010dovsk\u00e9:<\/a> Spl\u00e1c\u00edme dluhy, na \u017eivot n\u00e1m moc nezb\u00fdv\u00e1.Dent\u00e1ln\u00ed hygienistka Sl\u00e1vka:<\/a> Kv\u016fli p\u00e9\u010di o\u00a0maminky \u017eijeme s mu\u017eem ka\u017ed\u00fd jinde.Oper\u00e1torka Simona:<\/a> Star\u00e1m se o\u00a0tat\u00ednka s\u00a0alzheimerem, v\u0161echno t\u00e1hne man\u017eel.\u0158editelka marketingu Veronika:<\/a> M\u00e1me se dob\u0159e d\u00edky vlastn\u00edmu \u00fasil\u00ed.Pedik\u00e9rka Stanislava:<\/a> Abych v\u0161echno poplatila, pracuju 7\u00a0dn\u00ed v t\u00fddn\u016f.Kulturn\u00ed referentka Tamara:<\/a> Bude mi 30 a\u00a0po\u0159\u00e1d bydl\u00edm u\u00a0na\u0161ich v pokoj\u00ed\u010dku.Eva z pivovaru:<\/a> Prvn\u00ed dluhy jsem m\u011bla u\u017e v\u00a018.\u00a0Dnes\u00a0m\u00e1m \u010dist\u00fd st\u016fl.\u017dena v\u00a0dom\u00e1cnosti Katka:<\/a> Nevyd\u011bl\u00e1v\u00e1m, p\u0159esto se m\u00e1me dob\u0159e.Asistentka Ji\u0159ina:<\/a> S dcerkou m\u00e1me napjat\u00fd rozpo\u010det, ale m\u00e1me klid!\u00da\u010detn\u00ed Anna:<\/a> Pl\u00e1n na d\u016fchod zkrachoval, u\u017e se nesta\u010d\u00edme zabezpe\u010dit!D\u016fchodkyn\u011b Helena:<\/a> Cel\u00fd \u017eivot jsem pracovala, v d\u016fchodu sotva vyjdu.U\u010detn\u00ed Jana:<\/a> S mu\u017eem se chystaj\u00ed na d\u016fchod, chalupa je jejich jistota.Jak se hospoda\u0159\u00ed na Slovensku:<\/a> Rodina s d\u00edt\u011btemInvalidn\u00ed man\u017eel\u00e9:<\/a> Tou\u017e\u00ed po vlastn\u00edm dom\u011b a jistot\u011b na st\u00e1\u0159\u00ed.Projektantka Petra:<\/a> \u017dijeme skromn\u011b, na\u0161e priorita je splatit d\u016fm.Asistentka Ema:<\/a> Cestujeme. Co vyd\u011bl\u00e1me, to utrat\u00edme.Jak se hospoda\u0159\u00ed na Kan\u00e1rsk\u00fdch ostrovech:<\/a> \u010ce\u0161i provozuj\u00ed ekofarmu.Jind\u0159i\u0161ka v p\u0159ed\u010dasn\u00e9m d\u016fchodu:<\/a> Penzi si chceme u\u017e\u00edt.Serv\u00edrka Veronika:<\/a> M\u00e1me hypot\u00e9ku a vyd\u011bl\u00e1v\u00e1me vlastn\u011b jenom na ni.Prodava\u010dka Janka:<\/a> Man\u017eela nikdo nezam\u011bstn\u00e1, pracuje na\u010derno.Jak se hospoda\u0159\u00ed na Islandu:<\/a> Energie jsou levn\u011bj\u0161\u00ed ne\u017e v \u010cesku.Kucha\u0159ka D\u00e1\u0161a:<\/a> Je rozveden\u00e1 a spl\u00e1c\u00ed dluhy po man\u017eelovi.\u0160vadlena Ivana:<\/a> Vyd\u011bl\u00e1v\u00e1me, ale co kdy\u017e p\u0159ijdeme o pr\u00e1ci?Jak se hospoda\u0159\u00ed v Egypt\u011b:<\/a> Popis b\u011b\u017en\u00e9ho \u017eivota egyptsk\u00e9 rodinyZdravotn\u00ed sestra Alice:<\/a> Po rozchodu se mus\u00edm postavit na vlastn\u00ed nohy.Recep\u010dn\u00ed Pavl\u00edna:<\/a> Nev\u011b\u0159\u00edm na d\u016fchod, chceme spo\u0159it sami.Design\u00e9rka Ingrit:<\/a> Do 40 chci m\u00edt vlastn\u00ed bydlen\u00ed.Jak se \u017eije v\u00a0Chorvatsku:<\/a> \u010cesk\u00e1 d\u016fchodkyn\u011b u mo\u0159e kr\u00e1sn\u011b vy\u017eije.D\u016fchodkyn\u011b Jarka:<\/a> Mus\u00edm se vyst\u011bhovat na venkov.<\/p>\n","protected":false},"excerpt":{"rendered":"D\u011bkujeme, \u017ee jste ochotni sv\u011b\u0159it n\u00e1m sv\u00e9 hospoda\u0159en\u00ed a\u00a0popsat, jak jako rodina vych\u00e1z\u00edte s\u00a0p\u0159\u00edjmy. Chcete se tak\u00e9 p\u0159idat?…\n","protected":false},"author":2,"featured_media":112906,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[14],"tags":[5809,14382,3421,79,883,1984,69,12237,6233,470,884,80],"class_list":["post-112905","post","type-post","status-publish","format-standard","has-post-thumbnail","category-zabava","tag-dedictvi","tag-doplnkove-penzijni-sporeni-dps","tag-duchod","tag-entertainment","tag-finance","tag-hypoteky","tag-investice","tag-karavan","tag-osvc","tag-penzijni-sporeni","tag-podcast-mluvte-o-penezich","tag-zabava"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116723779206192407","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/112905","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/comments?post=112905"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/112905\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/112906"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=112905"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=112905"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=112905"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}