В гостях Гриша — композитор, который недавно переехал в Берлин. Гриша зарабатывает 300 000 рублей, но, кажется, этого мало для жизни в Европе. В этом выпуске мы разбираем, как справляться с финансовыми и эмоциональными трудностями в эмиграции, как рассчитать «подписку на жизнь» и как закрыть долги в России.\n

Заполнить анкету и стать героем выпуска: https://l.tbank.ru/nktsd-podcast-form-s3e5

Смотрите видеоверсию «Ну как там с деньгами?»

В «VK Видео»: https://vkvideo.ru/@t_jrnl?_ads_group_id=132711327На нашем ютуб-канале: https://www.youtube.com/channel/UCoB-7GeVKErACU0_SwNiIDВ «Дзене»: https://dzen.ru/journal.tinkoff.ru?tab=longs

ВАЖНАЯ ИНФОРМАЦИЯ: шоу «Ну как там с деньгами?» исключительно развлекательное и не дает инвестиционных рекомендаций. Никита и Максим — не аккредитованные финансовые консультанты и не психологи, они дают дружеские советы. Гости шоу знают об этом и согласились рассказать о своих ситуациях. Если у вас серьезные финансовые или психологические проблемы — пожалуйста, обратитесь к специалистам.\n

","html_annotation_litres":"","first_time_sale_at":"2025-05-07T12:14:39","is_azimyt_trial":false,"is_pdw_trial":false,"is_discount_forbidden":false,"is_preorder_show_fragment":false,"reviews_count":0,"livelib_rated_count":0,"livelib_rated_avg":0,"livelib_ratings":null,"parent_podcast_name":"Ну как там с деньгами?","parent_podcast_id":68791047,"parent_podcast_url":"podcast/maksim-koposov/nu-kak-tam-s-dengami-68791047/","podcast_episodes_count":null,"is_podcast_complete":false,"is_podcast_last_episode":false,"is_webtoon_complete":false,"genres":[{"id":5056,"uuid":"ed162716-f034-11e5-a511-0cc47a5454c6","name":"личные финансы","is_root":false,"url":"/genre/lichnye-finansy-5056/"}],"tags":[{"id":99585,"uuid":"6140692c-5b5b-11e4-96e2-0025905a06ea","name":"способы экономии","is_root":false,"url":"/tags/sposoby-ekonomii/"},{"id":101396,"uuid":"61418c14-5b5b-11e4-96e2-0025905a06ea","name":"финансовая грамотность","is_root":false,"url":"/tags/finansovaya-gramotnost/"},{"id":172583,"uuid":"30975f7a-d315-11e5-8578-0cc47a520474","name":"финансовая безопасность","is_root":false,"url":"/tags/finansovaya-bezopasnost/"},{"id":202071,"uuid":"88106bef-e00f-11e7-9b5a-0cc47a520474","name":"деньги","is_root":false,"url":"/tags/dengi/"}],"paper_book":null,"paper_books":[],"isbn":null,"publication_date":"2025-05-07","quotes_count":0,"is_auto_speech":false,"youtube_videos":[],"contents_url":null,"is_prohibited_for_sale":false,"additional_info":{"registered_at":"2025-05-07T12:14:39","translated_at":null,"current_pages_or_seconds":2294,"expected_pages_or_seconds":null},"publisher":{"id":31891587,"name":"Редакция Т-Ж","url":null},"copyrighter":{"id":null,"name":"Редакция Т-Ж","url":null},"rightholders":[{"id":null,"name":"Автор","url":null},{"id":null,"name":"Редакция Т-Ж","url":null}],"is_referrable":false,"referral":null,"alisa_url":"https://dialogs.yandex.ru/sharing/doc?button_text=%D0%A1%D0%BB%D1%83%D1%88%D0%B0%D1%82%D1%8C&image_url=https%3A%2F%2Fcv0.litres.ru%2Fpub%2Fc%2Fcover%2F71969900.jpg&payload=%7B+%22sharing_user_data%22%3A+%7B+%22user%22%3A+%22None%22%2C+%22art%22%3A+71969900%2C+%22time%22%3A+1750949443%2C+%22signature%22%3A+%227000e75bcf1d2c76612793195c68e061ca5f4f86aa583ff8cb56b7e008a70312%22+%7D%7D%27&skill_id=689f64c4-3134-42ba-8685-2b7cd8f06f4d&subtitle_text=%D0%A0%D0%B5%D0%B4%D0%B0%D0%BA%D1%86%D0%B8%D1%8F+%D0%A2-%D0%96&title_text=%D0%AD%D0%BC%D0%B8%D0%B3%D1%80%D0%B0%D1%86%D0%B8%D1%8F%2C+%D1%84%D1%80%D0%B8%D0%BB%D0%B0%D0%BD%D1%81+%D0%B8+%D0%B4%D0%BE%D0%BB%D0%B3%D0%B8%3A+%D0%BA%D0%B0%D0%BA+%D0%BD%D0%B0%D1%87%D0%B0%D1%82%D1%8C+%D0%BD%D0%BE%D0%B2%D1%83%D1%8E+%D0%B6%D0%B8%D0%B7%D0%BD%D1%8C+%D0%B8+%D0%B8%D0%B4%D1%82%D0%B8+%D0%BA+%D1%86%D0%B5%D0%BB%D1%8F%D0%BC%3F&signature=k3I3Xg1mZcFBYu6Lkhpno5ffwEPoJOZahv8%2FGNmk5tA%3D&required_interfaces=audio_player&utm_campaign=litres","update_events":["none"],"prequels":[],"alternate_urls":[{"url":"https://litres.de/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"de"},{"url":"https://litres.com/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"en"},{"url":"https://www.litres.ru/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"ru"},{"url":"https://litres.pl/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"pl"},{"url":"https://litres.az/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"az"},{"url":"https://litres.uz/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"uz"},{"url":"https://litres.ee/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/","language":"et"}],"is_art_online_readable":false,"webtoon_chapter_number":null,"webtoon_parent_id":null,"next_webtoon_chapter_id":null,"meta_title":null,"meta_tags":null,"audio_drm3_key":null},"fulfilledTimeStamp":1750949685189},"getSimilarArtsForRecommendation({\"artIDorSlug\":\"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900\",\"limit\":24,\"offset\":\"984\"})":{"status":"fulfilled","endpointName":"getSimilarArtsForRecommendation","requestId":"wuFzyPuNTOZM4xFAbl5JG","originalArgs":{"artIDorSlug":"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900","offset":"984","limit":24,"withRedisCache":true},"startedTimeStamp":1750949685187,"data":{"pagination":{"next_page":null,"previous_page":"/api/arts/podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900/similar?limit=24&offset=960"},"data":[],"recommendation_model_version":{"response_model_tag":"top","response_model_name":"top 2025-06-26_16-30-09"}},"fulfilledTimeStamp":1750949685418}},"mutations":{},"provided":{"Art":{"71969900":["getArtData({\"artIdOrSlug\":\"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900\"})"]},"ArtShortList":{"__internal_without_id":["getSimilarArtsForRecommendation({\"artIDorSlug\":\"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900\",\"limit\":24,\"offset\":\"984\"})"]}},"subscriptions":{"getBanners({\"place\":\"web-header-full-width\"})":{"v5sTR63p9pgv73M72eLUO":{}},"getArtData({\"artIdOrSlug\":\"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900\"})":{"c7Xu6Iz7i8Hcrq7cJcQnI":{}},"getSimilarArtsForRecommendation({\"artIDorSlug\":\"podcast/maksim-koposov/emigraciya-frilans-i-dolgi-kak-nachat-novuu-zhizn-i-idti-k-71969900\",\"limit\":24,\"offset\":\"984\"})":{"wuFzyPuNTOZM4xFAbl5JG":{}}},"config":{"online":true,"focused":true,"middlewareRegistered":true,"refetchOnFocus":false,"refetchOnReconnect":false,"refetchOnMountOrArgChange":false,"keepUnusedDataFor":60,"reducerPath":"rtkqApi"}},"HeadHunterApi":{"queries":{},"mutations":{},"provided":{},"subscriptions":{},"config":{"online":true,"focused":true,"middlewareRegistered":true,"refetchOnFocus":false,"refetchOnReconnect":false,"refetchOnMountOrArgChange":false,"keepUnusedDataFor":60,"reducerPath":"HeadHunterApi"}},"user":{"accountSettings":{"actions":{"changePasswordCSRF":{}}},"credentials":{"isAnon":true,"userID":"0","userSID":"anonimous-empty-sid","name":"Anonymous","groups":[8,16],"lfrom":"","actions":{"changeCredentialsCSRF":{}}},"balance":{"account":0,"bonus":0,"accountFull":0},"basket":{"inBasket":0,"inDeferred":0,"purchased":0},"library":{},"boughtCollections":{"collections":[]},"notifications":{"isLoading":false,"unreadedCount":0,"allCount":0,"list":[]},"abonement":{"active":false,"price":"399"},"subscription":{"subscriptionClass":[{"id":1,"trial":true,"month":1,"price":"0","pricePerMonth":"0","basePrice":"399"},{"id":2,"trial":false,"month":1,"price":"399","pricePerMonth":"399","basePrice":"399"}],"active":false},"partnersSubscriptions":{"isAnyPartnerSubscriptionActive":false,"isMegafonSubscriptionActive":false,"isRostelecomSubscriptionActive":false,"isYotaSubscriptionActive":false,"isA1SubscriptionActive":false,"isKCellSubscriptionActive":false,"isInlabSubscriptionActive":false,"isTinkoffSubscriptionActive":false,"isLifebelSubscriptionActive":false},"socnet":{"attachedSocnets":[]},"avatar":{"availability":false,"avatarHash":"560","actions":{}},"tests":{},"webpushes":{"status":false},"offers":{"offersList":[]},"actions":{"updateMyRegCSRF":{},"uniteUsersCSRF":{}},"registration":{"actions":{"recoverPasswordCSRF":{}}},"rebills":{"list":{},"actions":{"getRebillsGUJ":{}}}},"foundationUser":{"id":0,"login":"","BSK":[],"LKS":[],"is_staff":false,"isOfficeUser":false,"profile":{"has_folder_arts":false},"account":{"display":0,"real":0,"full":0,"bonus":0},"settings":{"profile_privacy":"default","is_safemode_enabled":null},"socials":[],"library_info":{"title":null,"logo":{},"host":null,"is_school_user":false},"abonement":{"id":null,"is_active":false,"price":null,"rebill_id":null,"valid_till":null,"grace_period_start":null,"gift_arts_refresh_at":null,"payment_system_id":null,"purchase_origin":null},"subscription":{"id":null,"grace_period_start":null,"rebill_id":null,"payment_system_id":null,"purchase_origin":null},"partner_subscriptions":{"has_active":false,"subscriptions":[]},"phone":{},"ab_tests":[],"isLoading":false,"error":{},"isAsking":false,"actions":{"teleport_CSRF":{}},"varioqubTests":{"ymabParam":"","flags":{},"testIds":[],"initialized":false,"initializingError":false,"rawFlagResponse":[]},"loyalty":{"is_loyalty_user":false,"bonuses_info":null},"is_tester":false},"browser":{"screen":{"width":null,"height":null},"urlParams":{},"pda":false,"clientHost":"www.litres.ru","headers":{"client-host":"www.litres.ru","ui-currency":"RUB","Ui-Language-Code":"ru","x-request-id":"4dd16782af7ce7bbe12436c77fa3b611","Basket":"","Wishlist":""},"isRobot":true},"player":{"data":{"playerSettings":{"url":"","drm3key":"","isPlaying":false,"volume":0.5,"playbackRate":1,"muted":false,"isContentsOpen":false,"downloadForbidden":false,"readOnly":false,"isAnon":true,"isChapterLoading":false,"contentsData":[]},"currentTime":0,"playerData":{"error":null,"event":null,"isReady":false,"loadedTime":0,"duration":0,"totalDuration":0,"isHalf":false,"canBackward":false,"canForward":true,"stats":{"hits":0,"secondsListened":0}}},"notes":{"order":0}},"payment":null,"pages":{"personalCabinet":{"userLibraries":{"libraries":[],"actions":{"teleportCSRF":{},"unsubscribeCSRF":{},"uniteCSRF":{},"uniteCSRFV2":{},"getUserLibrariesCSRF":{}}}},"paymentReceipts":{"receipts":[],"actions":{"getPaymentReceipts":{}}}},"global":{"auth":{"activeStep":"authenticationByEmail","fallbackStep":"init","stepsHistory":[],"formData":{},"isRateLimitError":false},"header":{"auth":{"isAuthPopupVisible":false,"analyticsData":{}},"banners":{"subscr":{"isActive":false},"onlyLitres":{"isActive":false},"promotion":{"isActive":false},"audioSubscr":{"isActive":false},"tvCampaignBanner":{"isActive":false}}},"globalModals":{"visibilityState":"init"},"availableBonuses":{"list":{},"actions":{"getAvailableBonusesListGUJ":{}}},"login":{"authValues":{"code":"","email":"","pwd":"","phoneCode":{"id":"91","tel_codes":[{"tel_mask":"7 XXX XXX XX XX","tel_code":"7"}],"code":"RU","name":"Россия"},"phone":"","otpin":""},"activeStep":"welcome","strategy":"email","isBiblioLogin":false,"isOldUser":false,"isVerifyPhone":false,"isLoading":false,"loginFormat":"email","passRecovery":{"method":"email","isTimerActive":false},"prevSteps":["welcome"],"usersMerges":false,"isLoginReserved":false,"serverError":null},"search":{"query":"","searchResults":[],"history":[],"loading":false,"error":{},"isInitiated":false},"interface":{"loginPopupError":{"isOpen":false},"stickyPlayer":{"isOpen":false},"bookUpsalePopup":{"isOpen":false},"isPageWithPlayer":true,"checkoutBox":{"isOpen":false,"height":0},"helpdesk":{"isOpen":false},"spamTickets":{"isOpen":false,"isHtmlFetched":false},"paymentPopup":{"isOpen":false},"reviewComplainPopup":{"isOpen":false,"id":0},"forceScroll":{"scrollToReviewForm":false,"scrollToReviewId":0},"notRecommendArts":{"arts":[]},"sharingPopup":{"reviewId":0,"userName":"","userId":0,"rating":0,"comment":"","date":"","hasAvatar":false,"isOpen":false,"isReply":false},"headerHeight":0},"lastViewedBooksWidget":{"arts":[],"isLoading":false,"error":null},"onboarding":{"isOpen":false},"genres":{"popup":{"history":[],"currentGenre":null,"isOpen":false}},"arts":{"details":{"xmlProps":null},"reviews":{"list":[],"idMap":{},"sortType":"popular","pagination":{"next":null,"previous":null},"userReview":null,"lastGetRequestDate":"Thu Jun 26 2025 14:21:05 GMT+0000 (Coordinated Universal Time)","actions":{"getArtsReviews":{},"addArtsReview":{},"getUserArtsReviews":{},"addArtReviewLike":{},"removeArtReviewLike":{},"addArtReviewDislike":{},"removeArtReviewDislike":{},"addReviewReply":{}}}},"take":{"take":{"actions":{"takeBookCSRF":{}},"rating":[]}},"reviews":{"actions":{"addReviewComplain":{}},"activeReply":-1},"searchPage":{"query":""},"zeroSearchPage":{"recommendationBlocks":[],"loading":false,"error":{},"isListInitiated":false,"isInfoInitiated":false,"data":{"art_slider":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"person_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"series_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false},"tag_list":{"data":[],"pagination":{"next_page":null,"previous_page":null},"loading":false}}}},"face":{"language":"ru","host":null}}

Подкасты, похожие на «Эмиграция, фриланс и долги: как начать новую жизнь и идти к целям?», Редакция Т-Ж