[{"@context":"https:\/\/schema.org\/","@type":"Article","@id":"https:\/\/www.wib.cz\/proc-je-financni-gramotnost-tak-dulezita\/#Article","mainEntityOfPage":"https:\/\/www.wib.cz\/proc-je-financni-gramotnost-tak-dulezita\/","headline":"Pro\u010d je finan\u010dn\u00ed gramotnost tak d\u016fle\u017eit\u00e1","name":"Pro\u010d je finan\u010dn\u00ed gramotnost tak d\u016fle\u017eit\u00e1","description":"Je smutn\u00fdm faktem, \u017ee v\u00a0na\u0161\u00ed zemi je finan\u010dn\u00ed gramotnost na velmi n\u00edzk\u00e9 \u00farovni. Plat\u00ed to p\u0159edev\u0161\u00edm o lidech s\u00a0ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm, av\u0161ak ani vysoko\u0161kol\u00e1ci nejsou v\u00a0mnoha p\u0159\u00edpadech u\u0161et\u0159eni. P\u0159itom se bez n\u00ed v\u00a0sou\u010dasn\u00e9m sv\u011bt\u011b v\u00a0podstat\u011b nelze obej\u00edt, zvl\u00e1\u0161t\u011b kdy\u017e st\u00e1t p\u0159en\u00e1\u0161\u00ed st\u00e1le v\u00edce odpov\u011bdnosti za na\u0161i budoucnost na n\u00e1s, ob\u010dany. V\u00a0sou\u010dasnosti pom\u011brn\u011b jednodu\u0161e plat\u00ed, \u017ee pokud […]","datePublished":"2023-11-30","dateModified":"2023-11-30","author":{"@type":"Person","@id":"https:\/\/www.wib.cz\/author\/#Person","name":"","url":"https:\/\/www.wib.cz\/author\/","identifier":1,"image":{"@type":"ImageObject","@id":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","url":"https:\/\/secure.gravatar.com\/avatar\/89f417dfbb336d235b856435ef935ffa51c2f646edc1f5c4e6fccf32a9c88173?s=96&d=mm&r=g","height":96,"width":96}},"publisher":{"@type":"Organization","name":"wib.cz","logo":{"@type":"ImageObject","@id":"\/logo.png","url":"\/logo.png","width":600,"height":60}},"image":{"@type":"ImageObject","@id":"https:\/\/www.wib.cz\/wp-content\/uploads\/art474463_3x2_20260926_222337_f0xszZ.jpg","url":"https:\/\/www.wib.cz\/wp-content\/uploads\/art474463_3x2_20260926_222337_f0xszZ.jpg","height":0,"width":0},"url":"https:\/\/www.wib.cz\/proc-je-financni-gramotnost-tak-dulezita\/","about":["Pen\u00edze"],"wordCount":448,"articleBody":"\t\tJe smutn\u00fdm faktem, \u017ee v\u00a0na\u0161\u00ed zemi je finan\u010dn\u00ed gramotnost na velmi n\u00edzk\u00e9 \u00farovni. Plat\u00ed to p\u0159edev\u0161\u00edm o lidech s\u00a0ni\u017e\u0161\u00edm vzd\u011bl\u00e1n\u00edm, av\u0161ak ani vysoko\u0161kol\u00e1ci nejsou v\u00a0mnoha p\u0159\u00edpadech u\u0161et\u0159eni. P\u0159itom se bez n\u00ed v\u00a0sou\u010dasn\u00e9m sv\u011bt\u011b v\u00a0podstat\u011b nelze obej\u00edt, zvl\u00e1\u0161t\u011b kdy\u017e st\u00e1t p\u0159en\u00e1\u0161\u00ed st\u00e1le v\u00edce odpov\u011bdnosti za na\u0161i budoucnost na n\u00e1s, ob\u010dany.\tV\u00a0sou\u010dasnosti pom\u011brn\u011b jednodu\u0161e plat\u00ed, \u017ee pokud se chceme m\u00edt dob\u0159e, je pot\u0159eba, abychom se o to postarali sami, abychom si sami ur\u010dili, co budeme d\u011blat s\u00a0na\u0161imi pen\u011bzi, abychom jich nem\u011bli v\u00a0p\u0159\u00edpad\u011b pot\u0159eby nedostatek.\tZ\u00e1kladn\u00ed my\u0161lenkou finan\u010dn\u00ed gramotnosti je priorita dlouhodob\u00e9ho zisku p\u0159ed kr\u00e1tkodob\u00fdm pot\u011b\u0161en\u00edm. Jednodu\u0161e \u0159e\u010deno, pokud pen\u00edze dob\u0159e investujete, budete jich m\u00edt za p\u00e1r let mnohem v\u00edce. Na druhou stranu, pokud si za n\u011b m\u00edsto investov\u00e1n\u00ed koup\u00edte novou televizi, tak ta v\u00e1m velmi brzo zastar\u00e1.\tSamoz\u0159ejm\u011b nen\u00ed na \u0161kodu si \u010das od \u010dasu n\u011bco koupit. Spot\u0159ebi\u010de je tak\u00e9 nutn\u00e9 ob\u010das vym\u011bnit. Prioritou by v\u0161ak m\u011bl b\u00fdt n\u011bkter\u00fd z\u00a0mnoha zp\u016fsob\u016f investic, a\u0165 u\u017e jde o klasick\u00e9 investice do r\u016fzn\u00fdch fond\u016f, spo\u0159\u00edc\u00ed \u00fa\u010det, d\u016fchodov\u00e9 \u010di stavebn\u00ed spo\u0159en\u00ed. Tak se zajist\u00edme pro budoucnost, a pokud budeme postupovat chyt\u0159e, tak tak\u00e9 pro budoucnost na\u0161ich d\u011bt\u00ed.\tBohu\u017eel, to je n\u011bco, co je nap\u0159\u00edklad na \u0161kol\u00e1ch zna\u010dn\u011b zanedb\u00e1v\u00e1no. V\u00a0d\u016fsledku toho pak lid\u00e9 utr\u00e1c\u00ed ve\u0161ker\u00e9 sv\u00e9 pen\u00edze za v\u011bci, kter\u00e9 v\u00a0podstat\u011b ani nepot\u0159ebuj\u00ed, a nezb\u00fdv\u00e1 jim, ne\u017e si vz\u00edt p\u016fj\u010dky. Nakonec se tak \u010dasto dost\u00e1vaj\u00ed do dluh\u016f, ze kter\u00fdch se v\u00a0podstat\u011b nemaj\u00ed \u0161anci dostat.\tI proto by m\u011bla b\u00fdt pr\u00e1v\u011b finan\u010dn\u00ed gramotnost jedn\u00edm z\u00a0d\u016fle\u017eit\u00fdch p\u0159edm\u011bt\u016f na \u0161kol\u00e1ch. \u017de tomu tak nen\u00ed je pak pouze dokladem zastaralosti na\u0161eho \u0161kolstv\u00ed, kter\u00e9 nen\u00ed schopn\u00e9 se p\u0159izp\u016fsobit sou\u010dasn\u00fdm podm\u00ednk\u00e1m.\tNezb\u00fdv\u00e1 tedy, ne\u017e abychom se j\u00ed nau\u010dili sami, co\u017e nen\u00ed tak jednoduch\u00e9, jak se m\u016f\u017ee zd\u00e1t. Bez odborn\u00e9 pomoci budeme d\u011blat chyby, kter\u00e9 n\u00e1s mohou st\u00e1t pen\u00edze. Proto rozhodn\u011b nen\u00ed na \u0161kodu si alespo\u0148 pro za\u010d\u00e1tek zajistit pomoc odborn\u00edka. Tak bude riziko, \u017ee prod\u011bl\u00e1me, mnohem men\u0161\u00ed.                                                                                                                                                                                                                                                                                                                                                                                                "},{"@context":"https:\/\/schema.org\/","@type":"BreadcrumbList","itemListElement":[{"@type":"ListItem","position":1,"name":"Pro\u010d je finan\u010dn\u00ed gramotnost tak d\u016fle\u017eit\u00e1","item":"https:\/\/www.wib.cz\/proc-je-financni-gramotnost-tak-dulezita\/#breadcrumbitem"}]}]