Someone who knows about asmus coffee, yes, we know, yes , who also works in a threestar restaurant in copenhagen , the only person in the world who has 300 gold medals bucks, and they are their coaches, just the same. Uh, they hired such people who are powerfully versed in this part of the structure of the system in general and trained the people of hungary so bullets , guys, certain there, too, because their abortion is strong, its such an olympics , athletes have their own selection there, and they are guys who they can carry it further and not fall flat, that is, hungary has always been in the top for the last time, because they , as they say, sniffed, tied up with the guys, who are already in the tops a long time ago in norway has a powerful yuzovsky institute, and simply the fish institute, where they still study salmon, study its quality in general, and so on. They spend crazy money. After all , if the chef is taken to competitions, then at the state level they pay him a salary at the expense of this institute so that he prepares for competitions. The swede, for example , the time before last, he spent 163 days to fully prepare a dish from a to z , and spend 163 days of his life on everyday training. From morning to evening. Training in progress it probably starts there at 6 00 in the morning, because to prepare to start and finish, and then analyze what you did today in order to speak clearly. Thats why the scandinavians are very heavily occupied. This bar, even france, was pushed aside, in my opinion, by the fifth or they are sixth. Now the french this time were a girl. There was yours, and norway again, and the danes, emphasized that they bring every detail to the devil so well, that, well, its very expensive to look at lyuba and , accordingly, you can take an example from them. They but at the level of their inner mental , they live by this when they arrived, this is the first time in norway in a restaurant for me there, so the boss says, so today we will have important, traditional food there. So boiled potatoes. This is where you can see what is needed. I say, its clear well, like potatoes, he says, always at times. Okay, boiled, says, serve. I say serve, i put all the potatoes in a bowl. Hmm something empty. Potatoes, also need butter in the krupchik. I cut myself there and sprinkled this thing. He comes in oh no, he says come on no urgent need to redo it. They didnt eat like that there 40 years ago. They want to see it now like this, because there grandmothers and grandfathers came from the scandinavian ones. And if i saw them now, on these potatoes, butter with dill, would be enough. Yes, this one is simple, that is, you cannot step left or right. And this is what i remembered, that if you need to do this, then you need to do this. There is no need to invent anything from yourself there, where this is not necessary to do. Listen , its very cool that we had the opportunity to talk about this dada with you. Cuisine, and in general nordic is popular, but few people know about it, they talk for a very long time. In fact, it is very good that we talked about this today. And i hope that we will have a chance to continue. Here, today we are number one episode one today, yes, today episode one, wait, wait for the second. Well, vitalik and i say goodbye to you. It was a podcast for cooks on wheels. All the best, all the best, friends, until we meet again. Bye. This is an easy money podcast, im its presenter mikhail khanov today im visiting. Anna dengina expert of the National Center for Financial Literacy, teacher, author of Financial Literacy programs for children and parents. Hello anna , you know, i have four children, however, the youngest is now 15 years old. And its probably too late to talk about the need to start Financial Literacy. Well, i can share such a story, it is clear that there were no programs. Then probably 15, there 20 years ago, especially there 30. Here, im talking about older children. But when you take care of your money, you come to a lot. Intuitive, and uh, here ill just tell you how we solved the problem. The kids had their own money. And moreover, practically right there almost from the first grade of the juniors, but, with which they were encouraged for successfully with these control tests , they successfully passed with excellent marks, only with excellent marks, that is, only fives were encouraged. You know, as in ancient greece, only winners get a gold medal, there are all fives, here. There is a small financial reward there, it is thousands or several thousand rubles, but nevertheless, at some point, when the house was already turning into some kind of cluttered fortress there. Yes, these are all the small trinkets there, which are just right. It is known that Children Play with emotional toys, that any emotional toy there is much more happy, it brings something heaped up with a train or a designer. At some point , it occurred to me, a wonderful idea. I said guys. You have your own money to buy. He says, buy it, i say, buy it, and you just know how it cut off, yes, that is, they probably dont need to look. Here, probably coffee for something heavy. And that is intuitively. This is the right move. Yes, the absolutely right step is exactly the idea that arose in your head as a parent, that here is some kind of insight click, that something needs to be done differently and you are absolutely right to do it, because when children have their own financial resource, their brains also switch, and they begin to really understand what i can do. This is how i can do this, and it seems that you no longer need what parents can finance, but you need to think about something more serious there, maybe be, put it in a piggy bank and so on, so the step is absolutely accurate and cool that you caught this situation right on time and did so. Well, it is no coincidence that in russia there was a fairy tale when a rich father sent his son to work. Every time. There, thanks to that respect for the father, they just gave him money. He threw them out. Remember the money, each time the son saw off with an indifferent look, and then he sent some distant village, where he plowed for this gold. There for a whole year there blood sweat and so on, and then when the father i was going to throw it away, but there is no dad. And this gold is very dear to me. Yes, it remains how to start a conversation about money in general, in general, for good, when a child already enters Economic Life. That is, he starts buying something. Here he begins to want it for two and a half three years, if the child develops according to the norm. Yes, that is, if this is the norm for a typical child, then it starts right early and right into Economic Life and you begin economic socialization at two and a half years. He can go shopping, he can choose. Starts understand that if he wants something, then it may be something mandatory, what you need to buy, for example, for the whole family, but something is not necessary, that is, this story about needs, about desire, he has it here yes and you wont believe it, here i am, on my empirical experience as a parent, yes, i went into this story of the Financial Development of children when we eldest was 9 months old. Well, that is, it was quite a crumb. So it happened that, well, i was kind of on Maternity Leave and decided to do it. Here is the Financial Education of children, finished her financial career in the bank. And so i decided that now, as children are my everything, so my house began to simply grow into various elements of the financial environment, because i began to teach other children. There, for example, those who had the senior group in kindergarten, that is, six nine months, that now ill tell you, some kind of nipple appeared no, what kind of nipple appeared, for example, some piggy banks, i had several piggy banks, shells appeared, which i used it as material when i explained it to children. Here, well, commodity day, yes, prokolovsky cowries, you can exchange and so on, that is, evolution, when we explain and the sea, the child began to interact with it. I started paying attention to it. I began to show him how to put money in a piggy bank, for example, then at some point he became interested in a wallet. Well , that is, there is such a wallet there, yes, as it were, many parents from this. Well, not for you. Its like cubes for adults. No, they didnt attract him, he had a car, this story about the fact that various elements, and he drew attention to it. For me. It was important, and we began to interact with him. Here we are with the wallet. He got acquainted with the cards. I slowly explained it all. Naturally. You went to the store, and the store. Here in this mode of broadcasting there with a list of what we will buy, lets look in the refrigerator, what you need to put it in a cart. According to the list, he specially drew such a list with pictures where he could circle, and i directly have an evidence base. Here is 2. 5 years old my oldest child circles what he chooses now what we need to do is go to the store in the cart , put everything, unload it at the checkout, and so on. Well, it causes a lot of emotions in everyone around, but in fact it works. These are such first questions a boy or a girl of some kind. Not not who is faster, listen, it happens differently. Well, because here we have a household, four children, yes, and there is also a girl, and she is now 9 years old, and she went into this topic. Dad already why in the household . And, because these are children from my husbands first marriage. They. Well, family, of course, i know the household, i call rather already professional slang. What . Yes, well, well, according to observations. She went into it a little later, but it showed up very cool in such a business context. That is , it turned out that she directly made money on some of the needs that were laid bare with us. I needed bull plates there. I got into bowls at some point. So i think, damn it, i want plates and ksenia just went to the potter. She made these plates, and we essentially sold them to us. Yes , it was unexpected, because as she agreed from the series, she was like that. Well, here i am ill take it in advance from you there. Well, we are such wow, but before, in general, i didnt show much. Here, in fact, now from the age of 6, when they are, as it were, very enterprising at the expense of the early years. I think including immersion. We dont steal childhood from them, probably a common question, which is really often a question. I dont think so, and im often asked. Thats good. You only talk about money. I say, no, of course, we really have some kind of dialogue about money every day in our lives. Well, that is, we since there are many situations, this is you situations, of course, but there is always a little bit, but this is not something that i, as it were, instructively, i put him at the desk and say. Come on, now we will have a lesson in Financial Literacy. I ll really Say Something there. No. Its just such contexts, and i dont think i m taking away childhood. This is the ordinary life of an ordinary child who lives simply in the economic reality, interacting with money from interacting with this space at this moment. Here are 2 5 year old phrases from parents when leave the question buy we have no money. This is generally a taboo. I am not a supporter of what is there , that there is no taboo, you just need to explain to the child what you mean by the situation we have no money. Well, because i caught myself, for example, thinking that i was also saying this phrase. But by that i mean not that i have no money. And what, for example, but there is no money in the wallet in cash, yes or money, for example, is not planned right now, these are additional purchases. Yes and so, if you explain to a child the meaning behind with that phrase, when you say, when there is no money, this is quite normal for yourself. Yes, especially for small children. This is all very important. Please take a piece of paper and write down that we are actually starting to teach children. Here, how is it . Well, almost from the cradle. Well, well, from two to three years old and all situations. You need to beat here now, nothing is postponed for later, and the question is not what to refuse, but to explain why you do it and the children understand, of course, the children understand, well, ill tell you an example again with our own how we entered the history of saving pocket money and so on. Well, in general , it is recommended to start giving pocket money there in the range from five to eight years. We started a little earlier, but that was the situation , we had a ritual, we went with him. Well, there, a couple of times a week after kindergarten, we go to the Shopping Center to buy cars, and at some point we come, and he says, mom, i dont want a car there, i want a puppy patrol base, it costs a puppy patrol base, which costs 7,500 rubles. Well, the child was not yet 3 years old. I say dear fine cool but base i will not buy you now. Look how big it is, it will fit all your cars. She costs a lot of money. Now im not ready to pay so much money. Well, hes kind of like that. Well, how upset i am. I say, but you and i can save there, what is saving, we can not buy cars, we will all put this money in a piggy bank. Yes , thats all, how you ended, the story is in the moment. We came home so that he agreed, yes, that is, he understood, well, how would i have it once there it is not clear when it is good, well, in any case, they will i bought a typewriter, yes, that is, i was left emptyhanded. We came home, and we made a Big Piggy Bank out of the box with our own hands. They painted everything there, pasted a base on it to remove her patrol, and i went in. Thats where those same pocket money, yes, that is, i started giving him 200 rubles there. At the beginning of the week it was all so a little artificial. Here i give you. Well, because otherwise, he will forget him and now this story is not super updated. Here, and for a long time we saved up, then i raised it there to 500 rubles. To save up quickly when i saw that interest was already being lost. Well, after a while there a couple of months. He probably accumulated from him arose this amount of seven and a half thousand. We took it out of the piggy bank. We have added a tracker. That is, we wrote down what we put in the piggy bank there i told them. Naturally, she helped him introduce all this there. Here he got it. I say, well, class. You can buy a paw patrol base, or you can not buy it, you can spend it on Something Else given a choice. Yes, here she is. And here is the resource. Yes, he chose chose the father. Why didnt we buy it from the patrol. He spent it on some of his toys, then some other ideas he had. But this is the very essence of what he accumulated, what he was able to do, what he was waiting for. It was very cool. And the money was coming. A piggy bank just after the passage of some time or for something was an additional motivation. This story was not. Well , that is, it was just what we call pocket money, which is given unconditionally for weeks, and on fridays 200 rubles. Then 500 rubles. Its just thats for sure money and now it also continues. Its just that now he already has more interests in this, when it became clear, already a little older in age, that well, it seems that i want more , then we began to come up with some ideas, what else can be, well, already see how the labor income for this . Yes, then i actively introduced a block just for childrens Financial Education, and i asked him to give it and you will pose for me like uh. Well, how about as a photographer . I will take a picture and a 200 rubles. Heres one right for the photo shoot, where i chose a few quality photos. I also added this to his piggy bank. Well, as ideas, now he already has quite a few different ideas. Now he even started such a Small Business of his own. So, well, i mean, its evolving. Dad understands this part. Dad takes part, of course, but since dad is also yes, there is a Financial Market financier and he is also very interested in this whole story with children. He comes up with different contexts too. For example, now, uh, yes, he is not very fond of gymnastics. Well, just so professional, yes, that is, hes coming out to the competition already. Here he is progressing, he has certain records. Well , for example, he is now the last record 20 times he began to pull himself up. Heres dad, as if spontaneous, without my consent, decided that 2,000 from mom 2,000 from dad for such an achievement. Well, thats how he filled up. Actually now for 4,000 piggy bank of his dream. Hes saving up straight a lot of 42. 000 for an atv. And he has a little left. In general, here is such, in principle, a good question from the language, has there been a situation . You know how . Well, in general, it happens, probably, to everyone that you advise. Mom, then conducts strict accounting control of 500 rubles. So a week, and then he comes, dad says, well, you have 1,000 rubles on your son. You are great, absolutely. This story is the same. Im more like in our family, and the topic is more of an accountant who likes to calculate here. Planning for a shorter term, my husband is a strategist. Here he sits down once a year and draws an excel table with our budget. Yes, let s see, as it were, what is the strategic savings rate we have this year it turns out, thats all, and more to this we do not sit down norms. Maybe savings. You are even my difficult audience. Now it will go into the bag. We can postpone. E for your financial goals, for example, or for an airbag, how would it end. Well, that is, conditionally there, so we looked at the budget, figured out, there there, we want to go there some more big expenses, and we understand that there is conditionally 15 of our income. We can certainly postpone. This is what is called what happens when, nevertheless, in this situations when well, there is one of the parents, let it be the mother in this case, that is , she goes strict something control 500 rubles. And here comes. Dad with mouth. As he says, well, son, you are done, you will support 20. Here s 2,000 rubles for you, and the child gets because of these 500 rubles a month. Better. I will pull up. Papa walk. Well, this is really very vital. Yes, and it happens in different ways and i manifest myself differently in such situations, for example, now dad, when he announced that 2,000 rubles. For pulling up. I am like that. Well, you know what dear . Come on out of your budget. Me, too, these 2. 000. And im like he s not there for me. Yes . Well, in general, i asked him to finance these 4,000 rubles. Well, because its really in my personal budget, like, well, this spontaneous is some kind of story. Here it is necessa