{"id":36936,"date":"2026-03-27T05:21:09","date_gmt":"2026-03-27T05:21:09","guid":{"rendered":"https:\/\/www.europesays.com\/cz\/36936\/"},"modified":"2026-03-27T05:21:09","modified_gmt":"2026-03-27T05:21:09","slug":"rodinne-finance-co-byste-mela-vedet","status":"publish","type":"post","link":"https:\/\/www.europesays.com\/cz\/36936\/","title":{"rendered":"Rodinn\u00e9 finance: Co byste m\u011bla v\u011bd\u011bt"},"content":{"rendered":"<p class=\"b_br\">Jak vysokou hypot\u00e9ku plat\u00edte? Jak\u00fd je v\u00e1\u0161 <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.prozeny.cz\/clanek\/radce-jak-udrzet-rodinne-finance-na-uzde-a-mozna-i-usetrit-nepujcujte-si-penize-ale-veci-93227\" class=\"b_g\" rel=\"nofollow noopener\">rodinn\u00fd rozpo\u010det<\/a>? Kolik vyd\u011bl\u00e1v\u00e1 v\u00e1\u0161 mu\u017e? Investujete do akci\u00ed, kryptom\u011bn, do zlata, jak velk\u00e9 jsou va\u0161e rodinn\u00e9 \u00faspory? Pokud na tyhle ot\u00e1zky nezn\u00e1te odpov\u011b\u010f, nebo m\u00e1te jen v\u00e1gn\u00ed p\u0159edstavu, pat\u0159\u00edte k\u00a0velk\u00e9mu mno\u017estv\u00ed \u017een, kter\u00e9 automaticky p\u0159enech\u00e1vaj\u00ed starost o\u00a0rodinn\u00e9 finance mu\u017e\u016fm.<\/p>\n<p>Pro\u010d \u017eeny pen\u00edze nezaj\u00edmaj\u00ed?<\/p>\n<p class=\"b_br\">Kdy\u017e byste si rodinu p\u0159edstavili jako podnik se\u00a0dv\u011bma majiteli, nejsp\u00ed\u0161 by se nestalo, \u017ee by jeden v\u011bd\u011bl o\u00a0firemn\u00edch financ\u00edch v\u0161e a\u00a0druh\u00fd nic, nebo jen n\u011bco m\u00e1lo. Ale kdy\u017e jde o\u00a0rodinu, funguje to takhle v\u00a0mnoha man\u017eelstv\u00edch.<\/p>\n<p class=\"b_br\">\u201eA co m\u011b nep\u0159estalo ani po letech praxe p\u0159ekvapovat, je, \u017ee je to \u010dasto nev\u011bdom\u00e1 dohoda p\u00e1ru. Mu\u017e chce m\u00edt kontrolu, \u017eena klid. Oba to pova\u017euj\u00ed za funk\u010dn\u00ed <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.prozeny.cz\/clanek\/radce-delite-si-doma-povinnosti-spravedlive-jestli-ne-nastartujte-zmenu-pomuze-vam-ferova-domacnost-94551\" class=\"b_g\" rel=\"nofollow noopener\">rozd\u011blen\u00ed povinnost\u00ed<\/a>. A\u00a0funguje to, dokud to fungovat nep\u0159estane,\u201c \u0159\u00edk\u00e1 \u017eivotn\u00ed kou\u010d Ale\u0161 Kalina. Pro\u010d? D\u016fvod\u016f je podle n\u011bj v\u00edc:<\/p>\n<p>Vzor z rodiny \u2013 Prost\u011b jste to u\u017e jako mal\u00e9 okoukaly od va\u0161ich rodi\u010d\u016f. V\u011bt\u0161ina \u010desk\u00fdch \u017een toti\u017e vyrostla v rodin\u00e1ch, kde m\u00e1ma \u0159e\u0161ila dom\u00e1cnost, t\u00e1ta pen\u00edze. \u201eNikdo jim ne\u0159ekl, \u017ee by to mohlo b\u00fdt jinak, tak\u017ee je to ani nenapadne zpochyb\u0148ovat,\u201c vysv\u011btluje kou\u010d.Pohodl\u00ed \u2013 Nemuset se o n\u011bco starat a \u0159e\u0161it nep\u0159\u00edjemn\u00e9 (ale z\u00e1rove\u0148 d\u016fle\u017eit\u00e9) v\u011bci je fajn. Nev\u011bdomost je pohodln\u00e1.Slep\u00e1 d\u016fv\u011bra \u2013 Nikdy by m\u011b nezklamal, je zodpov\u011bdn\u00fd, miluje m\u011b i na\u0161e d\u011bti. D\u016fv\u011bra ve vztahu je z\u00e1sadn\u00ed, ale nem\u011bla by b\u00fdt slep\u00e1. \u201eD\u016fv\u011bra nen\u00ed strategie. D\u016fv\u011b\u0159ovat partnerovi a zn\u00e1t rodinn\u00e9 finance jsou dv\u011b r\u016fzn\u00e9 v\u011bci, kter\u00e9 se v\u016fbec nevylu\u010duj\u00ed,\u201c tvrd\u00ed Ale\u0161 Kalina.<img fetchpriority=\"high\" height=\"667\"   width=\"1000\" src=\"https:\/\/www.europesays.com\/cz\/wp-content\/uploads\/2026\/03\/manzele-finance.jpeg\" loading=\"eager\" decoding=\"sync\" class=\"b_u b_s\"\/>Foto: StockPhotoDirectors, Shutterstock.com<\/p>\n<p class=\"b_br\">D\u016fv\u011bra ve vztahu je z\u00e1sadn\u00ed, ale nevylu\u010duje to skute\u010dnost, \u017ee byste m\u011bla zn\u00e1t stav rodinn\u00fdch financ\u00edFoto: StockPhotoDirectors, Shutterstock.com<\/p>\n<p>Jste zraniteln\u00e9 v\u00edc, ne\u017e je zdr\u00e1vo<\/p>\n<p class=\"b_br\">Nulov\u00e9 pov\u011bdom\u00ed o\u00a0finan\u010dn\u00ed situaci rodiny a\u00a0o\u00a0pracovn\u00edch, investi\u010dn\u00edch, spo\u0159\u00edc\u00edch aktivit\u00e1ch va\u0161eho mu\u017ee v\u00e1s d\u011bl\u00e1 zranitelnou. V\u00a0pln\u00e9 s\u00edle to poc\u00edt\u00edte ve chv\u00edli, kdy v\u00e1\u0161 vztah najednou skon\u010d\u00ed\u00a0\u2013 <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.prozeny.cz\/clanek\/radce-podcast-o-penezich-se-nemluvi-uspesny-rozvod-v-klidu-97650\" class=\"b_g\" rel=\"nofollow noopener\">rozvodem<\/a>, smrt\u00ed nebo kdy\u017e va\u0161eho mu\u017ee ochrom\u00ed nemoc.<\/p>\n<p class=\"b_br\">\u201eV tu chv\u00edli \u017eena stoj\u00ed p\u0159ed naprosto konkr\u00e9tn\u00edmi probl\u00e9my bez z\u00e1kladn\u00ed v\u00fdbavy. Nev\u00ed, co maj\u00ed, co dlu\u017e\u00ed, <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.prozeny.cz\/clanek\/radce-rozvod-majetkove-vyrovnani-97452\" class=\"b_g\" rel=\"nofollow noopener\">co je spole\u010dn\u00e9<\/a>, co ne. V\u00a0t\u00e9 nejbolestiv\u011bj\u0161\u00ed chv\u00edli \u017eivota se najednou mus\u00ed zorientovat ve v\u011bcech, kter\u00e9 nikdy nesledovala. To je brut\u00e1ln\u00ed pozice,\u201c vysv\u011btluje Ale\u0161 Kalina.<\/p>\n<p class=\"b_br\">Vymst\u00edt se v\u00e1m to m\u016f\u017ee, i\u00a0kdy\u017e se vztahem jako takov\u00fdm nic nebude. \u201eM\u011bl jsem klientku, kter\u00e1 naprosto v\u011b\u0159ila partnerovi a\u00a0jeho podnik\u00e1n\u00ed. Nezaj\u00edmala se, nepokl\u00e1dala ot\u00e1zky, prost\u011b d\u016fv\u011b\u0159ovala. A\u017e do chv\u00edle, kdy museli prodat d\u016fm, aby zaplatili dluhy jeho firmy. P\u0159i\u0161la o\u00a0domov a\u00a0dozv\u011bd\u011bla se o\u00a0tom na posledn\u00ed chv\u00edli, proto\u017ee nikdy necht\u011bla nic v\u011bd\u011bt.\u201c<\/p>\n<p class=\"b_br\">A je tu i\u00a0psychologick\u00e1 rovina. \u201e\u017dena, kter\u00e1 nezn\u00e1 rodinn\u00e9 finance, nen\u00ed v\u00a0partnerstv\u00ed rovnocenn\u00e1. M\u016f\u017ee si to namlouvat, ale objektivn\u011b je z\u00e1visl\u00e1,\u201c tvrd\u00ed kou\u010d. Zbavila se toti\u017e zodpov\u011bdnosti, kterou p\u0159enesla na sv\u00e9ho partnera. On \u010din\u00ed ve\u0161ker\u00e1 rozhodnut\u00ed, kolik pen\u011bz se investuje a\u00a0kam, kolik a\u00a0za co se jich utrat\u00ed. \u201eOdm\u011bnou\u201c za stres a\u00a0zodpov\u011bdnost mu je nad\u0159azen\u00e9 postaven\u00ed\u00a0\u2013 on m\u00e1 p\u0159ehled, m\u016f\u017ee kdykoli bouchnout do stolu, m\u00e1 pr\u00e1vo veta.<\/p>\n<p>Zm\u011b\u0148te to<\/p>\n<p class=\"b_br\">Je jasn\u00e9, \u017ee pokud takhle fungujete roky, nen\u00ed dobr\u00fd n\u00e1pad najednou uhodit na man\u017eela a\u00a0\u0159\u00edct: \u201eOdte\u010f chci v\u011bd\u011bt v\u0161echno o\u00a0na\u0161ich pen\u011bz\u00edch.\u201c Vznikne z\u00a0toho <a data-dot=\"atm-link\" target=\"_blank\" href=\"https:\/\/www.prozeny.cz\/clanek\/sex-a-vztahy-laska-a-vztahy-hadky-konflikty-97623\" class=\"b_g\" rel=\"nofollow noopener\">h\u00e1dka<\/a>\u00a0\u2013 partner to p\u0159e\u010dte jako ned\u016fv\u011bru a\u00a0p\u0159ejde do obrann\u00e9ho m\u00f3du.<\/p>\n<p class=\"b_br\">Zkuste to pomalu, bez dramat, sp\u00ed\u0161 za\u010dn\u011bte projevovat z\u00e1jem. \u201ePtejte se z\u00a0pozice z\u00e1jmu, ne kontroly. Hele, cht\u011bla bych l\u00edp rozum\u011bt tomu, jak funguje na\u0161e rodina finan\u010dn\u011b. \u201aM\u016f\u017ee\u0161 mi to uk\u00e1zat? Vysv\u011btl\u00ed\u0161 mi to?\u2018\u201c up\u0159es\u0148uje Kalina. Tohle nen\u00ed \u00fatok, to je z\u00e1jem o\u00a0spole\u010dn\u00fd \u017eivot.<\/p>\n<p class=\"b_br\">Pomoci m\u016f\u017ee i\u00a0zaveden\u00ed pravideln\u00e9ho ritu\u00e1lu, kdy spolu t\u0159eba u\u00a0ned\u011bln\u00ed k\u00e1vy projdete z\u00e1kladn\u00ed \u010d\u00edsla, pl\u00e1ny, vize. Ne proto, \u017ee si ned\u016fv\u011b\u0159ujete, ale proto\u017ee jste partne\u0159i. A\u00a0proto\u017ee finance pat\u0159\u00ed k\u00a0\u017eivotu a\u00a0k dosp\u011bl\u00e9 zodpov\u011bdnosti za vlastn\u00ed \u017eivot.<\/p>\n","protected":false},"excerpt":{"rendered":"Jak vysokou hypot\u00e9ku plat\u00edte? Jak\u00fd je v\u00e1\u0161 rodinn\u00fd rozpo\u010det? Kolik vyd\u011bl\u00e1v\u00e1 v\u00e1\u0161 mu\u017e? Investujete do akci\u00ed, kryptom\u011bn, do&hellip;\n","protected":false},"author":2,"featured_media":36937,"comment_status":"","ping_status":"","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[7],"tags":[43,42,41,40,883,996,653,703,884,651,889,15200,652],"class_list":{"0":"post-36936","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-cesko","8":"tag-ceska-republika","9":"tag-cesko","10":"tag-czech-republic","11":"tag-czechia","12":"tag-finance","13":"tag-financni-gramotnost","14":"tag-laska","15":"tag-penize","16":"tag-podcast-mluvte-o-penezich","17":"tag-rodina","18":"tag-rodinne-finance","19":"tag-rodinny-rozpocet","20":"tag-vztahy"},"share_on_mastodon":{"url":"https:\/\/pubeurope.com\/@cz\/116299463766563297","error":""},"_links":{"self":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/36936","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=36936"}],"version-history":[{"count":0,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/posts\/36936\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media\/36937"}],"wp:attachment":[{"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/media?parent=36936"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/categories?post=36936"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.europesays.com\/cz\/wp-json\/wp\/v2\/tags?post=36936"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}