{"id":258378,"date":"2022-07-07T11:13:00","date_gmt":"2022-07-07T08:13:00","guid":{"rendered":"https:\/\/finance.inform.click\/?p=258378"},"modified":"2022-07-16T02:31:42","modified_gmt":"2022-07-15T23:31:42","slug":"5-isikliku-rahanduse-taset","status":"publish","type":"post","link":"https:\/\/finance.inform.click\/et\/5-isikliku-rahanduse-taset\/","title":{"rendered":"5 isikliku rahanduse taset"},"content":{"rendered":"<p>Kohtun v\u00e4ga erinevate inimestega. Kohtudes arutleme erinevatel teemadel ja t\u00e4nu minu professionaalsele huvile isikliku rahanduse vastu puudutan seda teemat vahel. Ja ma k\u00fcsin oma vestluskaaslastelt: millist finantstaset te teate?<\/p>\n<p>K\u00f5ige sagedamini vastavad nad: <strong>&#8220;Palju raha v\u00f5i v\u00e4he&quot;,<\/strong> <strong>&#8220;Rahapuudus&#8221;,<\/strong> <strong>&#8220;Finantsid laulavad romansse&#8221;,<\/strong> <strong>&#8220;V\u00f5lad on k\u00f5rgemad kui katus&#8221;<\/strong> ja k\u00f5ike muud sellist. Just nemad prognoosivad kohe oma finantsseisundit.<\/p>\n<p>Ja kui ma hakkan r\u00e4\u00e4kima <strong>viiest finantstasemest<\/strong>, tekivad neist iga\u00fche kohta palju k\u00fcsimusi.<\/p>\n<p>T\u00e4na otsustasin neid tasemeid teiega jagada.<\/p>\n<p>Juhtus nii, et tegelesin 6 aastat v\u00f5rkturundusega (seda nimetatakse ka MLM-iks, MLM-iks v\u00f5i mitmetasandiliseks turunduseks). Seega ajasid isegi tippjuhid segi kaks p\u00f5him\u00f5istet: finantsvabadus ja rahaline s\u00f5ltumatus. Mida me saame \u00f6elda &quot;lihtsate&quot; v\u00f5rgumeeste, finantsvabaduse kohta, mida nad lubavad &#8230;<\/p>\n<p>Ja alles 2014. aastal sain teada, et, tuleb v\u00e4lja, pole olemas ainult finantsvabadus ja rahaline s\u00f5ltumatus, vaid ka muud tasandid.<\/p>\n<p>Olen v\u00e4ga t\u00e4nulik oma finantsmentorile, et siis t\u00e4nu temale sain aru, mis tasemel ma olen ja mille poole peaksin p\u00fc\u00fcdlema.<\/p>\n<p>Siin r\u00e4\u00e4gime neist k\u00f5igist l\u00e4hiajal. N\u00fc\u00fcd ma lihtsalt loetlen need k\u00f5ik.<\/p>\n<p>1 tase \u2013 rahaline oht. See on tase, kus enamus on.<\/p>\n<p>2 tase \u2013 <strong>rahaline tagatis.<\/strong><\/p>\n<p>3 tase \u2013 <strong>finantsstabiilsus<\/strong>.<\/p>\n<p>4 tase \u2013 <strong>rahaline s\u00f5ltumatus<\/strong>.<\/p>\n<p>5 tase \u2013 <strong>finantsvabadus<\/strong>.<\/p>\n<p><a href=\"https:\/\/finance.inform.click\/wp-content\/uploads\/2022\/04\/a06341af2a9e3b282f56884af6bc06fd-1.webp\" data-rel=\"lightbox\" ><img decoding=\"async\" class=\"SDStudio-light-box-enable SDStudio-editor-tools-md-imp\" src=\"https:\/\/finance.inform.click\/wp-content\/uploads\/2022\/04\/a06341af2a9e3b282f56884af6bc06fd-1.webp\" alt=\"5 isikliku rahanduse taset\" ><\/a><\/p>\n<p>Siiski on veel \u00fcks tase \u2013 <strong>absoluutne finantsvabadus<\/strong>. Kuid sellel tasemel on v\u00e4hem kui 0,01% meie suure riigi kodanikest. Sellep\u00e4rast me seda isegi ei puuduta. Pealegi ei tea ma ise sellest tasemest midagi &#8230;<\/p>\n<p>K\u00f5igist nendest finantstasemetest r\u00e4\u00e4gime j\u00e4rgmistes numbrites. Lihtsalt \u00fche artikli raames ei j\u00f5ua neist k\u00f5igist r\u00e4\u00e4kida.<\/p>\n<p>Millisele rahalisele tasemele te arvate?<\/p><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Kohtun v\u00e4ga erinevate inimestega. Kohtudes arutleme erinevatel teemadel ja t\u00e4nu minu professionaalsele huvile isikliku rahanduse vastu puudutan seda teemat vahel. Ja sp&#8230;<\/p>\n","protected":false},"author":1,"featured_media":164437,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"footnotes":"","_wp_rev_ctl_limit":""},"categories":[841,1257],"tags":[],"class_list":["post-258378","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finantsharidus","category-persoenliches-finanzmanagement-et"],"_links":{"self":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts\/258378","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/comments?post=258378"}],"version-history":[{"count":0,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/posts\/258378\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/media\/164437"}],"wp:attachment":[{"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/media?parent=258378"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/categories?post=258378"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/finance.inform.click\/et\/wp-json\/wp\/v2\/tags?post=258378"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}