#537 Money Matters: Planning, Saving and Spending — Learn Polish Podcast

0:00 Welcome to Learn Polish Podcast, episode number 537, 537. Find other episodes on learnpolishpodcast.com or on YouTube, Rumble and Spotify, get lessons in mania, either in Polish or in Spanish. You'll find it in the show notes and you'll find everything about me, icon.com or scan the QR code and I have two school groups. You'll find them in the link as well, one's for podcasting and the other's for brain fitness. Cześć, Daria. No, witam cię, Roy. I always ask myself, what is there for you? How do you see it? So I always ask myself today, without any doubt, what is it for you? Everything is good. It was nice. I was with my son.

0:41 We were probably, I don't know, I don't know, 50 times ping pong. Oh, dear. I stand up now. You look like a professional. So, I'm so young. I was when I played ping pong. as I was a little girl. As I was a little girl. Well, I have a interesting topic in sum. If you don't know what it is, it is what? What? What? What? What? What? It's like it's like it's like money. And now we are talking about money.

1:22 And about planning, and about planning. And we will see what we know about. Okay, tell me Roy, how do you look at your money? To znaczy, how do you treat money? I think that... That's a pretty good question. What? Yes, yes, yes. For some money or material material, which you can buy, it's a materialism, it's the most important thing. For other money, it's a way to just live.

2:02 For other money, money doesn't have any sense. Let's say that they are more sentimental. mental. No właśnie, a jak to jest u Ciebie? To jest system, który my zarabiać od nasza praca i kupimy rzeczy. To nie jest moje boga, tak? Snap my god, tak? To nie jest ooo, tak? Ale niestety nie musi być, bo nie mogę robić rzeczy bez pieniędzy. So musisz planować i masz kontrol od pieniędzy. So, we need to go into the topic.

2:44 Well, tell me, when you were young, or you were young, when you were young. What was your first investment? Or, as a child, or as a child, maybe something you bought for your first money, and it was like a wow. Now it's not, because it was a perspective. But then there was a thing, which I don't know, you were very much money, and you were your own thing. You had a purchase. I remember the first bank, when I was 7 years old.

3:28 I work for 9 years and I paid good money for 11 years. I remember that I bought a video cassette. And then I bought a lawnmower, a machine. That's a little bit of a bag. Yes. I bought a few things for my mom. I remember that I bought something and now I learned if I want to or I want to. Aha, so now the difference is whether I want to or I want to.

4:11 That's a very important difference. Okay, so it's my next question. because you want to do it, or I would like to do it. Now it's a question about planning. Because I think that the fundamental difference in planning is to, if I need something to do, or if I need something to do it, but if I think I should do it, I think I need something to do it. So, how does it look like you plan? So, how do you plan to look? Are you impulsively? What do you think is it? Or you are in a way? Or do you think you are in a way to buy something? Or do you think you are in a way to buy something?

4:55 In Poland, of course, with the word. It's normally like... Is it a need or a want? Is it a need or a want? It's a very rational topic, that you have to think about. Or do you think you are in a way to buy something impulsively? Because it's nice, because it's nice, but it's nice. Rzadko, tak normalnie. Na przykład, kiedy wiem, chcesz koszula, or spodnia, or coś, wiem, gdzie, ja idzę do pitaka outlet, wiem, jaki sklep jest dobre ubranie, idzie szybko, tak. Ale kiedy jest ten sklep, pak z koszulą, Very rarely go, oh, I have to be this bag. Okay, I have a question quickly, because I remember myself.

5:40 Who is more rational in making money, women or women? This is a stereotype, but what are your thoughts? Who is more rational, and who is more impulsive in making money? For me, women are impulsive. It's like, like, wszystko, well, nie wszystko, ale dużo kobiety ma 100 buty, tak? Ale tylko dwa nogi, tak? Cest handbag, tak? Cest, it's like 50. A to już konstytucjonizm, mój drogi, wiesz? To już pod to podchodzi. Nie, no, nie wszystkie kobiety. Ja, na przykład, mówiąc tutaj otwarcie, że wszystkich, którzy mnie słuchają, nie mam takiego problemu.

6:26 I think one thing absolutely is that I'm very economic. I think what will I pay for? This stereotype is not the only thing that is in the case of the Spain. The people in Spain are super, but it is not the same. Not all women have a lot of women. How many women have? Yes, that's it. No, dobra. A teraz powiedz mi, jakie są w takim razie Twoje zasady racjonalne, no bo tutaj racjonalnie, w podejmowaniu decyzji finansowych. Jakie masz zasady?

7:08 Nie wiem, lista zasad, czyli jak podejmujesz takie decyzje? Powiedzmy, no nie wiem, musisz, zobaczmy, mamy w dany miesiąc i w danym miesiącu masz jakiś budżet, pieniędzy, tak? I musisz je rozdysponować. Now, how do you organize this plan for a month? Do you have a plan or not? Well, I have my own head, because I know that the administration is something like that, the car, the dinner, the dinner, the dinner, the dinner, so I don't know how much I know. I have a revolution and I have so much money and everything I want, because I know that there will be a few thousand dollars, to to jest pomoc, bo czasami może ma wszystko razem and then just weź, weź, weź, to lepiej, kiedy organizuje, co będzie i planować.

8:06 And then też myślę, jak mogę zrobić, tak? Bo czasami ludzie ma kartę kredytową i nie myślę, ale to jest twoje pieniądze plus ocet. Mówią opinię na pewien temat, który ja w sumie często lubię zadawać to pytanie. Do you think that you pay a card for a card? Because here we have two words. Card or card card, right? And now, do you think that you pay a card for a card? It's less than a physical card for a card for a card? Do you think that's it? Yes, definitely. Because you don't think about when you pay a card. It's just like, but then when you pay a card, the credit information will be huge.

8:55 The preparation is better for everything, and I think you won't spend it fast. I think, when you have the preparation. Yes, but I just thought about it, if you make the preparation, you don't feel like... How do you say it? I know, it's like... When you see your preparation. I have like 1000, now I have 500, but I don't think about this subject. Yes, yes. The card is more comfortable and better, because you don't control it and you don't worry about it.

9:37 But when you physically have it, it hurts you. To Cię to boli. To Cię to boli. Tak, dobra. A powiedz mi w takim razie, czy oszczędzanie pieniędzy to jest sprawa naturalna? No, to jest taki dosyć trudny temat. Czy oszczędzanie pieniędzy to jest dla Ciebie sprawa naturalna? Czy raczej jest to coś trudnego i nie każdy może? Może trzeba być naprawdę zdyscyplinowanym i mieć bardzo mocny charakter, żeby oszczędzać. Jak to jest? with the money. Yes, I think, in the school, people don't teach this topic. Yes, we know.

10:20 Yes, so it must be your control, and you know how to work, what you spend, but it must not be so accurate. You must be flexible. I don't know about a certain amount, but it doesn't matter, so it may be a minimum amount or maximum amount in a month, but it really depends. For example, I know people who are high-level doctors, but they have a lot of money, because there must be a big house, the best house, the best house, the best house, maybe something, but you can do it less.

11:09 So, sometimes, maybe you can do it with a spontaneity or something and you know exactly. Oh, I'm going to do it for 2000 and I know everything. And there's no minus. So, it's not a, when you spend a lot of money, sometimes you have a lot of problems when you spend a lot of money, because you have everything in your house, you have a lot of house, a lot of money, but you don't spend a lot of money. I have a very nice question now, when you start talking about this contrast, that if someone spends, you want to buy so-called material goods, to have more money, but it doesn't have a lot of money, but it has a lot of control.

11:52 To tell me in the case, if money, or a lot of money can change a character? It means that if someone starts to pay a lot of money, it's a difficult job. Which is a business, and at some point, at some point, at some point, at some point, which he had, so, when he was in a business, when he was a business, it's not always super, but at some point, she actually starts to work really well and better. And he has more money and his life is less. The question is, do you think the money can change his character?

12:33 I don't know. It always says, that money changes a negative person. That a person makes a, let's say, no, like, no, that's a nice thing. Do you think that money can change a person? Or that a person is always the same person? No, because for example, crypto, I have very few people who don't have a podcast. When I organize time, everything will be like, but it will be a lot of time. I will wait for crypto. to is to people who will make money from crypto who don't have before. And it's not a lot of money, because you can make a lot of money, maybe a million, a million, and you're not good.

13:18 Also, when you win a lottery, sometimes people don't know how to make a lot of money. They think, oh, you buy a lot of money, a car, and then later it will be nothing. It will be a minus. I think that's the question of how much money you have. Maybe you can change. But when you are good and think about it, everything will be fine. For example, when you earn 100 000 in this year, and next year, a million, when you think about it, it will be fine. But when you never have that money, and you think that always will be a million, And you can ask everything. You can buy a lot of things.

14:06 What will happen tomorrow. Yes, but also the question. I think if something comes out, in Polish it's also a nice statement. I just mentioned in a podcast that I was a very honest statement. Remember what it was? I was a mistake. I was like, what did you say? I don't tell you now. I don't tell you about this. I don't tell you. I was like, what did you say? Something about this. So it's like, no, this is a bit better. Not, no, no, no, no! You see, Roy, you see what happens to us.

14:49 There's a simple word in the Polish saying, you can go straight, you can go straight, you can go straight. Easy, easy, easy, yeah. Yeah, it's easy, easy, easy, easy, easy. Because if someone has a lot of luck, because he did nothing but won't go, then it will go straight and it will go straight. I think that if a person who has to be stressed and stressed and feels like it's hard to make money, I think that he has a lot of money and has a lot of money. And he thinks more about the money and thinks about the results. I think it's just like that. It's just like that. It's just like that. It's just like that.

15:31 It's true. To jest święta prawda? No i tak. Czyli rozmawialiśmy sobie o oszczędzaniu. Tak. No i co jeszcze? Ja bym chciała od Ciebie się dowiedzieć. A coś mi pamięć dzisiaj szwankuje troszeczkę. Coś z moją pamięcią jest nie tak. A. Kolejne pytanie. Też bardzo aktualne. O tym nawet dyskutują moi znajomi. Którzy są w dosyć młodym wieku. Ja mam wyjście 4 lata. Jak to jest? Niektórzy w młodym wieku, czyli moim wieku, I've said, I'm 24 years old. They're very focused on this discipline of finance and on the way to put money on the future. No matter what, on the investment, on the living, on the car, on the car, I don't think I don't think it was a good investment, but in a way, on the things that are related to the future.

16:20 And in so much like this they're very focused on the future and they're putting money on the future. They're actually very disciplined. Even if they're small. A second group of these same people from my age, that is life. It means that life is one thing, that is one thing that is to be just a part of life, that is to be able to get money, because they come back. It is also in the Polish way, that money will come, but you will never be more than you or more. So, you have to live here and now, and then something will be there. And then, Roy, tell me. Do you think you think that later it will be, and now we're going to play, as soon as possible?

17:05 Or are you more distanced and you think that you're a long-term? Well, I remember when I was in university, many people thought about going on vacation, vacation, vacation, and I work, and then I thought about home. Then I had a lot of people, but then I didn't. So, I think that when you organize your own things and everything will be in the same way, you will have a choice later, but I think that everything will be in the same way, when you have money, we will go to the next step, and then you will spend money.

17:46 Because sometimes I don't have to go out of a good house and maybe I don't have a good job. I think that you have to see what will happen later. I don't think that everything will be positive. It must be realistic. And what will happen to you? For example, it's not a good job, you work, you work, you don't do anything, it's time for you. But I know, now people are like, oh, you want to do this, you want a new iPhone, you want to do this. I tell you, that now is very popular, like you said, mindset in Polish.

18:31 Is it translated? No, I think that some English words don't have translated. Mindset to just mindset. Polacy also use this word. Just like a mindset, to be just like a life. So today I go to the city break to, I don't know, to Włoch, to Hiszpanii, and tomorrow I don't know what I will do, because I don't have money, but the most important thing is, I don't know anything, I do this, I do this, I do this, I do this, I do this, I do this, I do this. I'm not working, I'm not working, I'm not working. I'm not working. I really love my life, sometimes it's fun, but sometimes it's fun, but sometimes it's fun, but sometimes it's fun.

19:13 It's a normal thing, but it's a fact. But it's a fact, that the society is on these two types. And I think that sooner or later, every person comes in the life of every person, to be able to prioritize something. Because in the street, they live in the street. And it doesn't matter whether in the 20th century, or in the 40th century, And then the moment that the person starts to think about themselves. And I think that I think that it will change. The role is changing. And those who don't travel, they will travel. And those who don't travel. And those who don't travel. And so it is. Sometimes, maybe, your family is very rich. And you have to do everything for the children.

19:55 But when you have all the time money, when your family doesn't have money or doesn't live, very rarely people don't have anything, because they don't know how to do it and control their money. So, sometimes my family thinks, well, this is my son, you have to do it, please, please, please, please, normal, it's not good. It's better to teach children how to do it and help, but don't give them money. Yes, I think that's true. I think that there is no more satisfaction than everything else. And learning everything on their own hands, on their own mistakes, method of prób and mistakes, was never done.

20:44 And many people, who have achieved some success today, I mean, it's pretty much, it's just a mistake. And every mistake is done. And mistakes are always like stress. It's not a mistake. A person is a person. Which you may, but if you can get the consequences and analyze your want, you can use it to use it for your use. But if you don't, it will probably do not. So, it's true. Many people have a start in life, but if it's okay, it's okay? Well, it's okay. You know, maybe we can finish, because I can take it all day, and then I have a lesson, then other things. So, these podcasts are made very long. It was very short.

21:34 But it was like... It's important, because we all talk about everything. Not only grammar, but when we talk about normal topics. My thoughts are always very life. It's just life. It's just life. Okay. Okay, let's go. Let's go. Let's go. Let's go. Let's go. Let's go. Thank you very much. Do you know? Maybe we'll see you with someone new teacher. Who knows? Okay. No, it's okay.

22:15 Thank you very much, Anja. Thank you for the lesson for Manny. In Polish or Spanish. You can find the links to show us. For the audio and the video. You can see me. Me scan the QR code or go up to RoyCullen.com and if you're looking to join our brain fitness school group or the podfather school group you'll find the links in the show notes sure to give us a thumbs up if I stay right and share with your friends until next week thank you very much for having me.