{"id":120354,"date":"2026-06-17T04:53:10","date_gmt":"2026-06-17T04:53:10","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/120354\/"},"modified":"2026-06-17T04:53:10","modified_gmt":"2026-06-17T04:53:10","slug":"splacim-velke-duhy-jak-si-mam-nasetrit-na-duchod","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/120354\/","title":{"rendered":"Spl\u00e1c\u00edm velk\u00e9 duhy! Jak si m\u00e1m na\u0161et\u0159it na d\u016fchod?"},"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

Vysok\u00fd p\u0159\u00edjem, skromn\u00fd \u017eivot<\/p>\n

Marketingov\u00e1 konzultantka Jana (52) by si, s\u00a0ohledem na v\u00fd\u0161i p\u0159\u00edjm\u016f, mohla \u017e\u00edt velmi pohodln\u011b. Vyd\u011bl\u00e1v\u00e1 kolem 75\u00a0tis\u00edc korun a\u00a0jednou ro\u010dn\u011b dost\u00e1v\u00e1 odm\u011bny, tak\u017ee kdy\u017e se to rozpo\u010dte, je to p\u0159es sto tis\u00edc korun m\u011bs\u00ed\u010dn\u011b. Nem\u00e1 d\u011bti, \u017eije sama a\u00a0jej\u00ed \u017eivotn\u00ed styl je a\u017e p\u0159ekvapiv\u011b st\u0159\u00eddm\u00fd. Nekou\u0159\u00ed, nepije, nechod\u00ed po restaurac\u00edch, nekupuje si k\u00e1vu cestou do pr\u00e1ce a\u00a0kino m\u00e1 jednou za p\u016fl roku. Jezd\u00ed slu\u017eebn\u00edm autem, m\u00e1 firmou placen\u00fd mobil, plat\u00ed si jen penzijn\u00ed poji\u0161t\u011bn\u00ed a\u00a0\u017eivotn\u00ed pojistku. Sportuje d\u00edky multisportce<\/a> a\u00a0jej\u00ed nejv\u011bt\u0161\u00ed radost\u00ed je klid a\u00a0cestov\u00e1n\u00ed, r\u00e1da jezd\u00ed i\u00a0na sv\u00e9m elektrokole.<\/p>\n

\u201eDo restaurac\u00ed skoro nechod\u00edm, nekou\u0159\u00edm, nepiju alkohol. J\u00eddlo a\u00a0drogerie m\u011b stoj\u00ed kolem osmi tis\u00edc m\u011bs\u00ed\u010dn\u011b. Oble\u010den\u00ed kupuju jen ob\u010das, maxim\u00e1ln\u011b za p\u011bt tis\u00edc jednou za t\u0159i m\u011bs\u00edce,\u201c \u0159\u00edk\u00e1 Jana. \u017dije v\u00a0pronajat\u00e9m byt\u011b v\u00a0Praze, kde plat\u00ed 25\u00a0tis\u00edc korun. Dal\u0161\u00ed v\u00fddaje m\u00e1 minim\u00e1ln\u00ed\u00a0\u2013 elekt\u0159ina 860\u00a0korun, internet 450\u00a0korun.<\/p>\n

Jana si dop\u0159\u00e1v\u00e1 jen jednu velkou radost\u00a0\u2013 cestov\u00e1n\u00ed. Jednou ro\u010dn\u011b odlet\u00ed na j\u00f3gov\u00fd pobyt do exotiky, ten ji vyjde asi na 75\u00a0tis\u00edc korun. K\u00a0tomu si p\u0159id\u00e1 jednu men\u0161\u00ed dovolenou v\u00a0Evrop\u011b za zhruba 25\u00a0tis\u00edc. \u201eTo je moje radost. Nechci se j\u00ed vzd\u00e1t, i\u00a0kdy\u017e v\u00edm, \u017ee je to nejv\u011bt\u0161\u00ed polo\u017eka,\u201c \u0159\u00edk\u00e1.<\/p>\n

Dluh z\u00a0minulosti m\u011b stoj\u00ed velkou \u010d\u00e1st platu<\/p>\n

Za nejv\u011bt\u0161\u00ed z\u00e1t\u011b\u017e pova\u017euje dluh, kter\u00fd si nese z\u00a0minulosti. \u201eZ l\u00e1sky jsem partnerovi p\u016fj\u010dila 5,5\u00a0milionu korun. Bohu\u017eel to dopadlo tak, \u017ee byl odsouzen za podvod, ale co je to platn\u00e9, pen\u00edze mi to nevr\u00e1tilo a\u00a0mus\u00edm \u010d\u00e1st z\u00a0nich spl\u00e1cet bance,\u201c popisuje. M\u011bs\u00ed\u010dn\u011b tak pos\u00edl\u00e1 26\u00a0500\u00a0korun. \u00daroky nenar\u016fstaj\u00ed, spl\u00e1c\u00ed fixn\u00ed \u010d\u00e1stku. A\u00a0i kdy\u017e by teoreticky mohla dluh splatit d\u0159\u00edv, nechce. \u201eNechci j\u00edt \u00fapln\u011b na d\u0159e\u0148. Chci si udr\u017eet n\u011bjak\u00fd \u017eivotn\u00ed standard a\u00a0z\u00e1rove\u0148 tvo\u0159it rezervu pro p\u0159\u00edpad, \u017ee bych p\u0159i\u0161la o\u00a0pr\u00e1ci. V\u00a0m\u00e9m v\u011bku u\u017e nen\u00ed jednoduch\u00e9 naj\u00edt pr\u00e1ci a\u00a0doba je nejist\u00e1.\u201c<\/p>\n

Chce jistotu na st\u00e1\u0159\u00ed a\u00a0rezervu na rekonstrukci<\/p>\n

Jana vlastn\u00ed d\u016fm v\u00a0hodnot\u011b asi t\u0159\u00ed milion\u016f korun, ve kter\u00e9m vyr\u016fstala. Vyplatila z\u00a0n\u011bj sestry, ale d\u016fm nem\u016f\u017ee prodat ani pln\u011b rekonstruovat, dokud v\u00a0n\u011bm \u017eij\u00ed jej\u00ed rodi\u010de, proto\u017ee by p\u0159i\u0161li o\u00a0klid, kter\u00fd jim vyhovuje. Sama si nav\u00edc nen\u00ed jist\u00e1, zda do n\u011bj chce z\u00e1sadn\u011b investovat a\u00a0pak v\u00a0n\u011bm \u017e\u00edt, by\u0165 t\u0159eba na st\u00e1\u0159\u00ed, proto\u017ee je pro ni velk\u00fd a\u00a0n\u00e1ro\u010dn\u00fd na \u00fadr\u017ebu.<\/p>\n

Na \u00fa\u010dtech m\u00e1 p\u0159ibli\u017en\u011b 150\u00a0tis\u00edc korun, v\u00a0penzijn\u00edm fondu sto tis\u00edc a\u00a0na \u017eivotn\u00edm poji\u0161t\u011bn\u00ed kolem 400\u00a0tis\u00edc, celkem tedy finan\u010dn\u00ed majetek kolem 650\u00a0tis\u00edc korun.<\/p>\n

Jana m\u00e1 dva hlavn\u00ed c\u00edle: vytvo\u0159it rezervu na rekonstrukci domu<\/a>, kter\u00e1 by mohla st\u00e1t kolem p\u016fl milionu, a\u00a0zajistit si d\u016fstojn\u00fd d\u016fchod. \u201eJsem sama, nem\u00e1m d\u011bti. Kdy\u017e p\u0159ijdu o\u00a0pr\u00e1ci, nem\u00e1m se o\u00a0koho op\u0159\u00edt. A\u00a0nechci jednou \u017e\u00edt jen z\u00a0minim\u00e1ln\u00edho d\u016fchodu<\/a>.\u201c Z\u00e1rove\u0148 ale nechce ob\u011btovat \u00fapln\u011b v\u0161echno: \u201eCestov\u00e1n\u00ed je moje radost. Nechci se ho vzd\u00e1t \u00fapln\u011b. Ale mo\u017en\u00e1 bych pot\u0159ebovala poradit, jak naj\u00edt rovnov\u00e1hu mezi spl\u00e1cen\u00edm, spo\u0159en\u00edm a\u00a0\u017eivotem.\u201c<\/p>\n

Z jej\u00edho p\u0159\u00edb\u011bhu je z\u0159ejm\u00e9, \u017ee by ocenila p\u0159edev\u0161\u00edm radu, jak efektivn\u011b tvo\u0159it rezervu, kdy\u017e m\u00e1 vysok\u00fd fixn\u00ed dluh, jak se p\u0159ipravit na d\u016fchod<\/a>, aby nebyla z\u00e1visl\u00e1 jen na st\u00e1tn\u00edm syst\u00e9mu, a\u00a0jak pracovat s\u00a0majetkem, kter\u00fd je sice hodnotn\u00fd, ale re\u00e1ln\u011b nepou\u017eiteln\u00fd okam\u017eit\u011b. Zaj\u00edmalo by ji tak\u00e9, zda m\u00e1 smysl splatit dluh d\u0159\u00edv, nebo rad\u011bji d\u00e1l spo\u0159it, a\u00a0jak nastavit dlouhodob\u00fd pl\u00e1n, kter\u00fd j\u00ed umo\u017en\u00ed \u017e\u00edt, nejen p\u0159e\u017e\u00edvat.<\/p>\n

Sama svou situaci hodnot\u00ed realisticky: \u201eM\u00e1m se dob\u0159e. Ale jen d\u00edky tomu, \u017ee jsem disciplinovan\u00e1. A\u00a0\u017ee jsem zdrav\u00e1. Kdyby se n\u011bco stalo, moje rezerva je mal\u00e1.\u201c<\/p>\n

FINAN\u010cN\u00cd DOTAZN\u00cdK MARKETINGOV\u00c9 KONZULTANTKY JANY <\/p>\n

Rodinn\u00fd stav a\u00a0po\u010det d\u011bt\u00ed: Svobodn\u00e1, bezd\u011btn\u00e1<\/p>\n

Povol\u00e1n\u00ed: Marketingov\u00e1 konzultantka<\/p>\n

Celkov\u00e9 p\u0159\u00edjmy m\u011bs\u00ed\u010dn\u011b: 75\u00a0000\u00a0K\u010d \u010dist\u00e9ho + ro\u010dn\u00ed odm\u011bny<\/p>\n

N\u00e1klady na bydlen\u00ed: N\u00e1jem 25\u00a0000\u00a0K\u010d, elekt\u0159ina 860\u00a0K\u010d, internet 450\u00a0K\u010d<\/p>\n

N\u00e1klady za j\u00eddlo: 8\u00a0000\u00a0K\u010d<\/p>\n

N\u00e1klady na oble\u010den\u00ed: Asi 1\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b<\/p>\n

Dal\u0161\u00ed v\u011bt\u0161\u00ed polo\u017eky: Spl\u00e1tka dluhu 26\u00a0500\u00a0K\u010d, \u017eivotn\u00ed poji\u0161t\u011bn\u00ed 3\u00a0000\u00a0K\u010d, penzijn\u00ed 2\u00a0500\u00a0K\u010d<\/p>\n

Co musela o\u017eelet: Omezila jsem restaurace, alkohol, kav\u00e1rny i\u00a0kulturn\u00ed akce.<\/p>\n

\u00daspory na hor\u0161\u00ed \u010dasy: P\u0159ibli\u017en\u011b 650\u00a0000\u00a0K\u010d<\/p>\n

Kolik m\u016f\u017ee investovat do dovolen\u00e9: Asi 100\u00a0000\u00a0K\u010d ro\u010dn\u011b<\/p>\n

Finan\u010dn\u00ed zlozvyky: \u017d\u00e1dn\u00e9 v\u00fdrazn\u00e9<\/p>\n

Finan\u010dn\u00ed c\u00edle: Rezerva na rekonstrukci (minim\u00e1ln\u011b 500\u00a0000\u00a0K\u010d), d\u016fstojn\u00fd d\u016fchod<\/p>\n

Finan\u010dn\u00ed obavy: Asi nejv\u00edc se boj\u00edm ztr\u00e1ty pr\u00e1ce, m\u00e1m tak\u00e9 obavy, \u017ee dostanu n\u00edzk\u00fd d\u016fchod a\u00a0moje finan\u010dn\u00ed rezerva nebude sta\u010dit na klidn\u00fd \u017eivot.<\/p>\n

Hodnocen\u00ed situace: M\u00e1m se dob\u0159e, ale jen d\u00edky discipl\u00edn\u011b a\u00a0relativn\u011b skromn\u00e9mu \u017eivotu.<\/p>\n

Nadpr\u016fm\u011brn\u00fd p\u0159\u00edjem a\u00a0discipl\u00edna nesta\u010d\u00ed, chce to i\u00a0v\u011bt\u0161\u00ed rezervu a\u00a0dobr\u00e9 poji\u0161t\u011bn\u00ed<\/p>\n

\u201eNa Janin\u011b p\u0159\u00edb\u011bhu je sympatick\u00e9 p\u0159edev\u0161\u00edm to, \u017ee si navzdory nep\u0159\u00edjemn\u00e9 \u017eivotn\u00ed zku\u0161enosti zachovala discipl\u00ednu a\u00a0zdrav\u00fd vztah k\u00a0pen\u011bz\u016fm. M\u00e1 nadpr\u016fm\u011brn\u00fd p\u0159\u00edjem, \u017eije st\u0159\u00eddm\u011b, neutrat\u00ed zbyte\u010dn\u011b za v\u011bci, kter\u00e9 j\u00ed nep\u0159in\u00e1\u0161ej\u00ed hodnotu, a\u00a0pravideln\u011b mysl\u00ed na budoucnost prost\u0159ednictv\u00edm penzijn\u00edho spo\u0159en\u00ed i\u00a0\u017eivotn\u00edho poji\u0161t\u011bn\u00ed. To je velmi dobr\u00fd z\u00e1klad, kter\u00fd mnoho lid\u00ed s\u00a0podobn\u00fdm p\u0159\u00edjmem v\u016fbec nem\u00e1,\u201c konstatuje Jakub Hesoun, odborn\u00edk na investice a\u00a0finan\u010dn\u00ed pl\u00e1nov\u00e1n\u00ed Fondu firemn\u00edho n\u00e1stupnictv\u00ed Adax.<\/p>\n

S p\u0159\u00edjmem 100\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b (v\u010detn\u011b rozpo\u010d\u00edtan\u00fdch odm\u011bn) jsou jej\u00ed v\u00fddaje 75\u00a0600\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b, co\u017e znamen\u00e1, \u017ee j\u00ed zb\u00fdv\u00e1 kolem 24\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b na tvorbu rezerv a\u00a0investice. \u201eNejv\u011bt\u0161\u00edm probl\u00e9mem nen\u00ed \u017eivotn\u00ed styl, ale vysok\u00fd dluh z\u00a0minulosti. P\u0159esto\u017ee Jana uv\u00e1d\u00ed, \u017ee \u00faroky ji\u017e nenar\u016fstaj\u00ed, spl\u00e1tka 26\u00a0500\u00a0K\u010d p\u0159edstavuje v\u00edce ne\u017e \u010dtvrtinu jej\u00edch p\u0159\u00edjm\u016f. Pokud skute\u010dn\u011b nejde o\u00a0\u00fav\u011br s\u00a0RPSN<\/a> vy\u0161\u0161\u00edm ne\u017e 8\u00a0%, nepova\u017eoval bych p\u0159ed\u010dasn\u00e9 splacen\u00ed za prioritu. V\u00a0jej\u00ed situaci je d\u016fle\u017eit\u011bj\u0161\u00ed budovat likvidn\u00ed rezervu a\u00a0investi\u010dn\u00ed majetek<\/a>. Pokud by ale RPSN u\u00a0\u00fav\u011bru p\u0159esahovalo 8\u00a0%, doporu\u010dil bych zam\u011b\u0159it voln\u00e9 prost\u0159edky prim\u00e1rn\u011b na jeho rychlej\u0161\u00ed umo\u0159en\u00ed.\u201c M\u00e1 pro Janu i\u00a0p\u00e1r doporu\u010den\u00ed:<\/p>\n

3.\u00a0Prov\u011b\u0159it parametry penzijn\u00edho spo\u0159en\u00ed\u00a0\u2013 pokud jde o\u00a0penzijn\u00ed p\u0159ipoji\u0161t\u011bn\u00ed (PP), je t\u0159eba jej zm\u011bnit na dopl\u0148kov\u00e9 penzijn\u00ed spo\u0159en\u00ed (DPS) s\u00a0dynamickou strategi\u00ed (vy\u0161\u0161\u00ed v\u00fdnosnost ne\u017e u\u00a0PP).<\/p>\n

4.\u00a0Pravideln\u011b investovat alespo\u0148 15\u00a0000\u00a0a\u017e 20\u00a0000\u00a0K\u010d m\u011bs\u00ed\u010dn\u011b do dlouhodob\u00e9ho dynami\u010dt\u011bj\u0161\u00edho portfolia (renta v\u00a0d\u016fchodu).<\/p>\n

5.\u00a0Odd\u011blit rezervu na rekonstrukci domu (500\u00a0000\u00a0K\u010d) od dlouhodob\u00fdch investic na st\u00e1\u0159\u00ed.<\/p>\n

6.\u00a0Prov\u011b\u0159it parametry \u017eivotn\u00edho poji\u0161t\u011bn\u00ed<\/a>, zejm\u00e9na kryt\u00ed invalidity a\u00a0dlouhodob\u00e9ho v\u00fdpadku p\u0159\u00edjmu. Z\u00a0popisu vypl\u00fdv\u00e1, \u017ee jde o\u00a0investi\u010dn\u00ed nebo kapit\u00e1lov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed. Pokud na n\u011bj z\u00e1sadn\u00ed m\u00edrou nep\u0159isp\u00edv\u00e1 zam\u011bstnavatel, doporu\u010duji jej ukon\u010dit, naspo\u0159en\u00e9 pen\u00edze p\u0159esm\u011brovat do standardn\u00edch investi\u010dn\u00edch n\u00e1stroj\u016f (nebo do pohotovostn\u00ed rezervy) a\u00a0zalo\u017eit si pouze rizikov\u00e9 \u017eivotn\u00ed poji\u0161t\u011bn\u00ed (bez spo\u0159en\u00ed). Je n\u00e1kladov\u011b p\u0159\u00edzniv\u011bj\u0161\u00ed.<\/p>\n

7.\u00a0Nep\u0159est\u00e1vat cestovat. V\u00a0Janin\u011b rozpo\u010dtu nep\u0159edstavuj\u00ed dovolen\u00e9 probl\u00e9m. Finan\u010dn\u00ed pl\u00e1n m\u00e1 \u010dlov\u011bku pom\u00e1hat \u017e\u00edt spokojen\u00fd \u017eivot, ne pouze maximalizovat z\u016fstatek na \u00fa\u010dtu.<\/p>\n

Jana nen\u00ed ve \u0161patn\u00e9 situaci. Naopak. Za nejv\u011bt\u0161\u00ed chybu minulosti u\u017e zaplatila velmi vysokou cenu. Te\u010f pot\u0159ebuje hlavn\u011b zv\u00fd\u0161it finan\u010dn\u00ed rezervu, za\u010d\u00edt v\u00edce investovat pro vlastn\u00ed rentu a\u00a0chr\u00e1nit sv\u016fj p\u0159\u00edjem. Pokud to ud\u011bl\u00e1, m\u00e1 velmi slu\u0161nou \u0161anci pro\u017e\u00edt finan\u010dn\u011b klidn\u00e9 st\u00e1\u0159\u00ed i\u00a0bez podpory partnera nebo d\u011bt\u00ed.<\/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.Fotografka Martina:<\/a> D\u011bti se boj\u00ed, aby n\u00e1m zbylo na d\u016fchod.<\/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":120355,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_share_on_mastodon":"0"},"categories":[7],"tags":[43,42,41,40,648,12522,12525,5835,470,884,889,15200,33624],"class_list":["post-120354","post","type-post","status-publish","format-standard","has-post-thumbnail","category-cesko","tag-ceska-republika","tag-cesko","tag-czech-republic","tag-czechia","tag-dluhy","tag-duchodove-pojisteni","tag-financni-rezerva","tag-penzijni-pripojisteni","tag-penzijni-sporeni","tag-podcast-mluvte-o-penezich","tag-rodinne-finance","tag-rodinny-rozpocet","tag-zivotni-pojisteni"],"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116763663186179374","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/120354","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=120354"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/120354\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/120355"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=120354"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=120354"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=120354"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}