6 reasons that prevent the Russians get rich

Too many people in Russia live from paycheck to paycheck. They have no savings, and if there is, then they merge haphazardly. The problem is deeper than it seems. I have identified six main reasons because of which the Russians have money problems.

1. Education in the paradigm of "money - the evil"

Almost 100 years of money in Russia associated with the negative. From an early age children are told that the money - it's evil.

The Soviet government announced its so-called enemies of the parasitic layers: the former landowners, entrepreneurs, bankers. They were selected property, forced to leave the country, and even killed. During the industrialization in the public mind we have formed a negative image of "fist" - a prosperous farmer.

USSR I took care of all the money of the citizens. Began leveling, earn above normal it was difficult. And even if it will earn, we must also think of how to spend the money. Entrepreneurs called speculators, they denounced both the society and the law.

Form in such circumstances the financial literacy of the population was not possible and not necessary. In the course of the installation was, "Do not put out", "Be like everybody else".

Then the Soviet Union collapsed in 1992, declared the freedom of entrepreneurship, began economic reforms: to financially illiterate country abruptly came capitalism.

It began a period of rapid accumulation of capital, and with it - rampant crime. And when that time has passed, he began to sing in films and TV shows I like "Brigades". Wealth has become associated with crime and blood.

Result: All the money the Soviet era in Russia was something shameful, and in the nineties and two thousandth - and even dirty, bloody. This could not but affect the education of us with you and millions of Russians. But now a completely different time! It's time to switch to a healthy capitalism, in which the money - a tool to secure a quality life. And certainly there is nothing to be ashamed of.

2. An indispensable desire to earn a lot and immediately

In 1994, Russia had a "MMM". Millions of Russians have suffered money in a pyramid scheme, because were led to the promise of easy earnings. The country then just changed course, and a belief in the endemic financial miracle can understand.

But more recently there was a story with "Keshberi", which also offers a high yield virtually nothing. The main thing - to bring the money. Pyramid naturally fallen, and the organization has ceased to pay its depositors.

The basic rule of financial literacy: the higher the yield, the greater the risk. The more risk, the more carefully you need to approach the choice of instrument, in which investiruesh.

I recommend to focus on three parameters:

1. Security - how reliable the selected tool. It is very important to understand exactly how it works. If investors' Keshberi "tried to figure out where are such gains, the desire to invest would be far less.
2. Liquidity - how quickly you can convert an asset into cash.
3. profitability - what percentage of the annual bring investments.

Consider these characteristics should in this order: the yield is only in third place.

3. Fear to use any financial instruments

In the financial illiteracy of the two extremes. First, we have already discussed - the desire win just a lot. The second extreme - nothing at all to do with money, and assume that all financial instruments are too complex and not for us.

Statistics confirm the fear of Russians use the financial instruments. 37% of people who have savings storeWhere the money goes. The proportion of Russians with savings decreased by 2% per year them in cash rubles. That is, money is just lying and burn up in inflation. Money on deposit held 42% of the respondents.

Frustratingly it looks among those Russians who investpublic involvement in the investment process securities - their only 0.77%. For comparison, in China to invest 10% of the population in the US - 52%.

To invest money is not terrible, it is terrible to put them in the tools that do not understand. If you fear that your savings that were to happen, learn the basic theory: what inflation is, how the banks and bonds. Immediately realize that if to invest in reliable instruments, the minimum risks.

4. Irresponsible approach to its prosperity in the future

The average pension in Russia - just over 14 thousand rubles per monthDynamics of average pension, And without figures it is clear that pensioners have rarely live in abundance. No one wants to count every penny in old age, but for some reason most do not do anything to avoid it.

IN article "What should I do now to receive passive income in old age," I said about the way to make a fortune for a secured pension. The method is quite simple, but the need discipline.

I hope in anyone, if not for yourself? The state, which in 35 years will begin to pay a decent pension? Children who will take under his wing? It's more like a shifting of responsibility.

5. Revenues are not keeping pace with the costs

I myself for over 10 years made this mistake. After graduation I was for some time worked in recruitment, and then began to do business. I always properly earned, but in the 30 years found that really is not accumulated any assets.

So many! Earned 50 thousand rubles, I went on vacation once a year in Turkey. I began to earn 100 thousand rubles - a vacation twice a year in Spain. How much I earn, and spend as much.

It is normal that with the growth of income becomes more comfortable life. But we must look not so much on earnings as the growth of private capital.

I like a formula that tells you how much you should be saving. It is considered in two steps:

1. Divide the age of 10 and receive a number.
2. Multiply this on its annual rate income.

For example, Artyom 28 years old, and he earns one million rubles a year.

2,8 × 1 million = 2.8 million rubles - so it must have capital. Not necessarily money: securities, real estate and other assets convertible into cash are also here.

6. Reassessment of their financial capabilities

If a person just spend all my money, this is so-so, and when he is still and get into debt, it is the real financial sin. It is sad to see how a person with a perfectly ordinary income takes a loan to buy the latest iPhone. Then draw up a new credit card to pay off the debt on the old.

I even encountered this story: A man at a salary of 50 000 rubles per month by some miracle, got a bank loan on the BMW X5. Two months after buying the neighbor took on winter tires, and a year later the bank took the car.

To adequately assess their financial capabilities, no matter how much you might wish to buy now a cool car or go on vacation in Bali. Otherwise enjoy in the moment will turn serious problems for you and your family. Loans makes sense to take only really necessary purchases. And you must always carefully plan where you will take the money for the monthly payments.

Tips banal, but no science in matters of life means and no. Unfortunately, many do not even comply with these simple rules and driving themselves in debts.

I very much want to hear your opinion about the problems of Russians with money. What reason do you consider most important? Maybe you highlight the problem that I have not written? Let's discuss in the comments!