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How to save money at different income levels? How to manage an unexpectedly large sum? How to effectively manage debt? My guest is the incredible Olga Gogaladze — a financial consultant and the author of the most popular Telegram channel about finance. With this episode, we want to help you improve your financial habits and avoid the most common mistakes. Olga talks about: three skills you need to manage your money wisely saving can be difficult because you haven’t found your own way. What are there? Why give up your basket on VB? Get gifts from Olga at the link: https://t.me/profinansy_info_bot?star... ????Social networks of the guest: Telegram channel: https://t.me/profinansy YouTube channel: / @olga.gogaladze Instagram* of the academy: / pro.finansy.academy ???? Subscribe to our social networks: Instagram of Sasha Mitroshina: / alexandramitroshina Telegram channel of the podcast: https://t.me/Mom_of_blogs (here are the episode summaries) Episode time codes: How to earn, save and spend wisely 00:00 Financial skills 06:18 Managing large sums 07:57 How to close debts 11:46 Strategy for closing a mortgage through bonds 15:34 Credit cards and their risks 17:29 Life hack for closing a credit card 21:15 Astrology and finance 22:09 Working on debt 24:02 Anti-crisis management 27:49 Personal finance management 29:41 Investment instruments 32:30 How to save money 33:27 Currency and the stock market 39:05 The trend for marketplaces 43:52 The golden mean in earnings 44:49 Collecting in investments 48:36 Cost averaging strategy 52:18 Behavioral economics and finance 55:06 Investing in stocks 57:30 Alternative investment methods 59:23 Long-term investments 01:01:18 The impact of the ruble exchange rate 01:04:10 Investment recommendations 01:08:19 Improving financial literacy *Instagram is a product of Meta, this organization is recognized as extremist and banned in Russia