From the author: The crisis in our economy will continue for a long time, and it will not be possible to wait them out, endure them, “sit out in the trenches.” What should we do? Now we all feel very unpleasant, incomprehensible, and scary. It’s scary because you don’t know what will happen next. Only one thing is clear - that this situation will last for a long time. This means that you and I don’t have much choice. There is only one way out - you need to change, you need to adapt to the new realities of the market (low demand, expensive dollar). To do this, you need to master new skills, learn to earn money in a new way, you need to finally sit down and develop your own Strategy, and not keep going blindly. I recommend that you take three steps: Step 1 Each person, each family should develop their own Personal anti-crisis plan. Gather a family council and write down what we will do if the most pessimistic expectations are realized: What will we do if the dollar jumps to 150 rubles (or roll back to 40); What will we do if we are fired; What will we do if food prices double; What will we do if there is no money to pay for the mortgage; What will we do if...Step 2 Keep your long-term goals in mind, strategic goal Many people have their sights off, they shoot in the wrong direction, and therefore can’t get where they want to go. My recommended goal is the long-term capitalization of your family capital, creating and preserving wealth, purchasing assets, investing, etc. p.Usually the goal sounds like this - take out a mortgage, buy an apartment or upgrade a car - i.e. this (in Robert Kiyosaki's terminology) is the acquisition of liabilities. A financially literate person first buys assets, and only then liabilities! This is the difference between a rich man and a poor man! Step 3 Make all decisions based on your strategic goal. Ask yourself often - what am I doing right now - is it bringing me closer or further from my Strategic goal? Step 4 Increase your value in the labor market - for this, increase your uniqueness and your skill in your chosen professions. Case: My talents One of the typical tasks in my courses on personal finance and investing is to compile a List of your strengths, your talents, your uniqueness. Read the report of Svetlana, one of the participants in our training: And now my talents: honesty, commitment, patience, politeness, hard work, optimism, intuition, curiosity, openness to something new. helping others Question for you - do you see unique features? I DO NOT SEE! Everyone has it. It is very easy to replace such a person with another (i.e. fire him). These are not talents, these are the most common human traits. CONCLUSION - you need to be a pro in your field - this is what they pay a lot of money for, and not for pretty eyes! PS HERE I have collected must-read books on personal finance and investing