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

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Welcome to Learn Polish Podcast, episode number 537, 537.

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Find other episodes on learnpolishpodcast.com or on YouTube,

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Rumble and Spotify, get lessons in mania, either in Polish or in Spanish.

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You'll find it in the show notes and you'll find everything about me,

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icon.com or scan the QR code and I have two school groups.

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You'll find them in the link as well, one's for podcasting and the other's for

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brain fitness. Cześć, Daria.

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No, witam cię, Roy. I always ask myself, what is there for you?

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How do you see it? So I always ask myself today, without any doubt, what is it for you?

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Everything is good. It was nice. I was with my son.

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We were probably, I don't know, I don't know, 50 times ping pong. Oh, dear.

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I stand up now. You look like a professional. So, I'm so young.

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I was when I played ping pong. as I was a little girl.

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As I was a little girl. Well, I have a interesting topic in sum.

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If you don't know what it is, it is what? What? What? What? What?

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What? It's like it's like it's like money.

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And now we are talking about money.

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And about planning, and about planning. And we will see what we know about.

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Okay, tell me Roy, how do you look at your money?

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To znaczy, how do you treat money?

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I think that... That's a pretty good question. What?

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Yes, yes, yes. For some money or material material, which you can buy,

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it's a materialism, it's the most important thing.

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For other money, it's a way to just live.

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For other money, money doesn't have any sense. Let's say that they are more

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sentimental. mental. No właśnie, a jak to jest u Ciebie?

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To jest system, który my zarabiać od nasza praca i kupimy rzeczy.

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To nie jest moje boga, tak? Snap my god, tak?

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To nie jest ooo, tak? Ale niestety nie musi być, bo nie mogę robić rzeczy bez pieniędzy.

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So musisz planować i masz kontrol od pieniędzy.

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So, we need to go into the topic.

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Well, tell me, when you were young, or you were young, when you were young.

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What was your first investment?

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Or, as a child, or as a child, maybe something you bought for your first money, and it was like a wow.

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Now it's not, because it was a perspective.

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But then there was a thing, which I don't know, you were very much money,

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and you were your own thing.

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You had a purchase. I remember the first bank, when I was 7 years old.

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I work for 9 years and I paid good money for 11 years.

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I remember that I bought a video cassette.

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And then I bought a lawnmower, a machine.

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That's a little bit of a bag. Yes. I bought a few things for my mom.

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I remember that I bought something and now I learned if I want to or I want to.

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Aha, so now the difference is whether I want to or I want to.

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That's a very important difference.

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Okay, so it's my next question. because you want to do it, or I would like to

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do it. Now it's a question about planning.

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Because I think that the fundamental difference in planning is to,

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if I need something to do, or if I need something to do it, but if I think I

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should do it, I think I need something to do it.

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So, how does it look like you plan? So, how do you plan to look? Are you impulsively?

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What do you think is it? Or you are in a way? Or do you think you are in a way to buy something?

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Or do you think you are in a way to buy something?

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In Poland, of course, with the word.

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It's normally like... Is it a need or a want? Is it a need or a want?

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It's a very rational topic, that you have to think about.

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Or do you think you are in a way to buy something impulsively?

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Because it's nice, because it's nice, but it's nice.

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Rzadko, tak normalnie. Na przykład, kiedy wiem, chcesz koszula,

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or spodnia, or coś, wiem, gdzie, ja idzę do pitaka outlet, wiem,

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jaki sklep jest dobre ubranie, idzie szybko, tak.

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Ale kiedy jest ten sklep, pak z koszulą,

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Very rarely go, oh, I have to be this bag. Okay, I have a question quickly,

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because I remember myself.

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Who is more rational in making money, women or women?

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This is a stereotype, but what are your thoughts?

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Who is more rational, and who is more impulsive in making money?

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For me, women are impulsive. It's like, like, wszystko, well,

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nie wszystko, ale dużo kobiety ma 100 buty, tak? Ale tylko dwa nogi, tak?

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Cest handbag, tak? Cest, it's like 50.

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A to już konstytucjonizm, mój drogi, wiesz? To już pod to podchodzi.

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Nie, no, nie wszystkie kobiety. Ja, na przykład, mówiąc tutaj otwarcie,

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że wszystkich, którzy mnie słuchają, nie mam takiego problemu.

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I think one thing absolutely is that I'm very economic.

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I think what will I pay for?

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This stereotype is not the only thing that is in the case of the Spain.

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The people in Spain are super, but it is not the same.

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Not all women have a lot of women.

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How many women have?

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Yes, that's it. No, dobra.

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A teraz powiedz mi, jakie są w takim razie Twoje zasady racjonalne,

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no bo tutaj racjonalnie, w podejmowaniu decyzji finansowych. Jakie masz zasady?

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Nie wiem, lista zasad, czyli jak podejmujesz takie decyzje?

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Powiedzmy, no nie wiem, musisz, zobaczmy, mamy w dany miesiąc i w danym miesiącu

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masz jakiś budżet, pieniędzy, tak?

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I musisz je rozdysponować. Now, how do you organize this plan for a month?

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Do you have a plan or not? Well, I have my own head, because I know that the

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administration is something like that,

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the car, the dinner, the dinner, the dinner, the dinner, so I don't know how much I know.

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I have a revolution and I have so much money and everything I want,

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because I know that there will be a few thousand dollars, to to jest pomoc,

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bo czasami może ma wszystko razem and then just weź, weź, weź, to lepiej,

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kiedy organizuje, co będzie i planować.

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And then też myślę, jak mogę zrobić, tak?

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Bo czasami ludzie ma kartę kredytową i nie myślę, ale to jest twoje pieniądze plus ocet.

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Mówią opinię na pewien temat, który ja w sumie często lubię zadawać to pytanie.

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Do you think that you pay a card for a card? Because here we have two words.

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Card or card card, right?

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And now, do you think that you pay a card for a card?

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It's less than a physical card for a card for a card? Do you think that's it?

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Yes, definitely. Because you don't think about when you pay a card.

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It's just like, but then when you pay a card, the credit information will be huge.

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The preparation is better for everything, and I think you won't spend it fast.

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I think, when you have the preparation.

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Yes, but I just thought about it, if you make the preparation,

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you don't feel like... How do you say it?

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I know, it's like... When you see your preparation.

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I have like 1000, now I have 500, but I don't think about this subject. Yes, yes.

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The card is more comfortable and better, because you don't control it and you don't worry about it.

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But when you physically have it, it hurts you. To Cię to boli. To Cię to boli.

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Tak, dobra. A powiedz mi w takim razie, czy oszczędzanie pieniędzy to jest sprawa

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naturalna? No, to jest taki dosyć trudny temat.

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Czy oszczędzanie pieniędzy to jest dla Ciebie sprawa naturalna?

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Czy raczej jest to coś trudnego i nie każdy może?

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Może trzeba być naprawdę zdyscyplinowanym i mieć bardzo mocny charakter,

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żeby oszczędzać. Jak to jest? with the money.

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Yes, I think, in the school, people don't teach this topic. Yes, we know.

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Yes, so it must be your control, and you know how to work, what you spend,

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but it must not be so accurate.

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You must be flexible.

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I don't know about a certain amount, but it doesn't matter, so it may be a minimum

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amount or maximum amount in a month, but it really depends.

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For example, I know people who are high-level doctors,

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but they have a lot of money, because there must be a big house,

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the best house, the best house, the best house, maybe something, but you can do it less.

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So, sometimes, maybe you can do it with a spontaneity or something and you know exactly.

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Oh, I'm going to do it for 2000 and I know everything. And there's no minus. So, it's not a,

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when you spend a lot of money, sometimes you have a lot of problems when you

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spend a lot of money, because you have everything in your house,

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you have a lot of house, a lot of money, but you don't spend a lot of money.

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I have a very nice question now, when you start talking about this contrast,

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that if someone spends, you want to buy so-called material goods,

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to have more money, but it doesn't have a lot of money, but it has a lot of control.

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To tell me in the case, if money, or a lot of money can change a character?

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It means that if someone starts to pay a lot of money, it's a difficult job.

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Which is a business, and at some point, at some point, at some point,

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at some point, which he had, so, when he was in a business,

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when he was a business, it's not always super, but at some point,

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she actually starts to work really well and better.

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And he has more money and his life is less.

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The question is, do you think the money can change his character?

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I don't know. It always says, that money changes a negative person.

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That a person makes a, let's say, no, like, no, that's a nice thing.

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Do you think that money can change a person? Or that a person is always the same person?

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No, because for example, crypto, I have very few people who don't have a podcast.

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When I organize time, everything will be like, but it will be a lot of time.

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I will wait for crypto. to is to people who will make money from crypto who don't have before.

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And it's not a lot of money, because you can make a lot of money,

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maybe a million, a million, and you're not good.

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Also, when you win a lottery, sometimes people don't know how to make a lot of money.

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They think, oh, you buy a lot of money, a car, and then later it will be nothing. It will be a minus.

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I think that's the question of how much money you have.

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Maybe you can change. But when you are good and think about it,

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everything will be fine.

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For example, when you earn 100 000 in this year, and next year,

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a million, when you think about it, it will be fine.

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But when you never have that money, and you think that always will be a million,

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And you can ask everything. You can buy a lot of things.

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What will happen tomorrow. Yes, but also the question.

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I think if something comes out, in Polish it's also a nice statement.

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I just mentioned in a podcast that I was a very honest statement. Remember what it was?

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I was a mistake. I was like, what did you say? I don't tell you now.

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I don't tell you about this. I don't tell you. I was like, what did you say?

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Something about this.

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So it's like, no, this is a bit better.

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Not, no, no, no, no! You see, Roy, you see what happens to us.

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There's a simple word in the Polish saying, you can go straight,

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you can go straight, you can go straight. Easy, easy, easy, yeah.

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Yeah, it's easy, easy, easy, easy, easy. Because if someone has a lot of luck,

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because he did nothing but won't go, then it will go straight and it will go straight.

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I think that if a person who has to be stressed and stressed and feels like

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it's hard to make money, I think that he has a lot of money and has a lot of money.

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And he thinks more about the money and thinks about the results.

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I think it's just like that. It's just like that. It's just like that. It's just like that.

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It's true. To jest święta prawda? No i tak. Czyli rozmawialiśmy sobie o oszczędzaniu.

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Tak. No i co jeszcze? Ja bym chciała od Ciebie się dowiedzieć.

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A coś mi pamięć dzisiaj szwankuje troszeczkę.

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Coś z moją pamięcią jest nie tak.

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A. Kolejne pytanie. Też bardzo aktualne. O tym nawet dyskutują moi znajomi.

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Którzy są w dosyć młodym wieku. Ja mam wyjście 4 lata.

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Jak to jest? Niektórzy w młodym wieku, czyli moim wieku, I've said, I'm 24 years old.

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They're very focused on this discipline of finance and on the way to put money on the future.

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No matter what, on the investment, on the living, on the car,

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on the car, I don't think I don't think it was a good investment,

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but in a way, on the things that are related to the future.

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And in so much like this they're very focused on the future and they're putting

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money on the future. They're actually very disciplined.

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Even if they're small.

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A second group of these same people from my age, that is life.

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It means that life is one thing, that is one thing that is to be just a part

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of life, that is to be able to get money, because they come back.

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It is also in the Polish way, that money will come, but you will never be more than you or more.

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So, you have to live here and now, and then something will be there.

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And then, Roy, tell me. Do you think you think that later it will be,

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and now we're going to play, as soon as possible?

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Or are you more distanced and you think that you're a long-term?

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Well, I remember when I was in university, many people thought about going on

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vacation, vacation, vacation, and I work, and then I thought about home.

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Then I had a lot of people, but then I didn't.

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So, I think that when you organize your own things and everything will be in

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the same way, you will have a choice later,

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but I think that everything will be in the same way, when you have money,

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we will go to the next step, and then you will spend money.

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Because sometimes I don't have to go out of a good house and maybe I don't have a good job.

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I think that you have to see what will happen later. I don't think that everything will be positive.

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It must be realistic. And what will happen to you? For example,

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it's not a good job, you work, you work, you don't do anything, it's time for you.

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But I know, now people are like, oh, you want to do this, you want a new iPhone, you want to do this.

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I tell you, that now is very popular, like you said, mindset in Polish.

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Is it translated? No, I think that some English words don't have translated.

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Mindset to just mindset. Polacy also use this word. Just like a mindset, to be just like a life.

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So today I go to the city break to, I don't know, to Włoch, to Hiszpanii,

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and tomorrow I don't know what I will do, because I don't have money,

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but the most important thing is, I don't know anything, I do this,

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I do this, I do this, I do this, I do this, I do this,

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I do this.

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I'm not working, I'm not working, I'm not working. I'm not working.

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I really love my life, sometimes it's fun, but sometimes it's fun,

00:19:12.523 --> 00:19:13.043
but sometimes it's fun, but sometimes it's fun.

00:19:13.463 --> 00:19:19.023
It's a normal thing, but it's a fact. But it's a fact, that the society is on these two types.

00:19:19.183 --> 00:19:23.123
And I think that sooner or later, every person comes in the life of every person,

00:19:23.823 --> 00:19:27.103
to be able to prioritize something.

00:19:27.643 --> 00:19:31.623
Because in the street, they live in the street. And it doesn't matter whether

00:19:31.623 --> 00:19:36.763
in the 20th century, or in the 40th century, And then the moment that the person

00:19:36.763 --> 00:19:38.223
starts to think about themselves.

00:19:38.483 --> 00:19:40.603
And I think that I think that it will change.

00:19:40.903 --> 00:19:44.383
The role is changing. And those who don't travel, they will travel.

00:19:45.223 --> 00:19:48.503
And those who don't travel. And those who don't travel. And so it is.

00:19:48.703 --> 00:19:54.123
Sometimes, maybe, your family is very rich. And you have to do everything for the children.

00:19:55.263 --> 00:20:03.663
But when you have all the time money, when your family doesn't have money or doesn't live,

00:20:04.803 --> 00:20:10.083
very rarely people don't have anything, because they don't know how to do it

00:20:10.083 --> 00:20:11.803
and control their money.

00:20:12.263 --> 00:20:16.383
So, sometimes my family thinks, well, this is my son, you have to do it,

00:20:16.703 --> 00:20:20.023
please, please, please, please, normal, it's not good.

00:20:20.223 --> 00:20:26.083
It's better to teach children how to do it and help, but don't give them money.

00:20:26.763 --> 00:20:31.823
Yes, I think that's true. I think that there is no more satisfaction than everything else.

00:20:33.183 --> 00:20:36.943
And learning everything on their own hands, on their own mistakes,

00:20:37.683 --> 00:20:42.123
method of prób and mistakes, was never done.

00:20:44.083 --> 00:20:47.783
And many people, who have achieved some success today, I mean,

00:20:47.803 --> 00:20:49.943
it's pretty much, it's just a mistake.

00:20:50.983 --> 00:20:55.223
And every mistake is done. And mistakes are always like stress.

00:20:56.423 --> 00:21:00.043
It's not a mistake. A person is a person.

00:21:01.211 --> 00:21:08.571
Which you may, but if you can get the consequences and analyze your want,

00:21:09.031 --> 00:21:11.751
you can use it to use it for your use.

00:21:12.311 --> 00:21:17.231
But if you don't, it will probably do not. So, it's true. Many people have a

00:21:17.231 --> 00:21:20.151
start in life, but if it's okay, it's okay?

00:21:20.431 --> 00:21:25.691
Well, it's okay. You know, maybe we can finish, because I can take it all day,

00:21:25.831 --> 00:21:33.911
and then I have a lesson, then other things. So, these podcasts are made very long. It was very short.

00:21:34.871 --> 00:21:43.051
But it was like... It's important, because we all talk about everything.

00:21:43.131 --> 00:21:48.891
Not only grammar, but when we talk about normal topics.

00:21:49.631 --> 00:21:54.511
My thoughts are always very life. It's just life.

00:21:55.651 --> 00:22:00.251
It's just life. Okay. Okay, let's go. Let's go. Let's go.

00:22:02.151 --> 00:22:06.291
Let's go. Let's go. Let's go. Thank you very much. Do you know?

00:22:08.251 --> 00:22:14.091
Maybe we'll see you with someone new teacher. Who knows? Okay. No, it's okay.

00:22:15.091 --> 00:22:18.971
Thank you very much, Anja. Thank you for the lesson for Manny. In Polish or Spanish.

00:22:19.271 --> 00:22:22.691
You can find the links to show us. For the audio and the video. You can see me.

00:22:22.691 --> 00:22:26.931
Me scan the QR code or go up to RoyCullen.com and if you're looking to join

00:22:26.931 --> 00:22:31.011
our brain fitness school group or the podfather school group you'll find the

00:22:31.011 --> 00:22:33.871
links in the show notes sure to give us a thumbs up if I stay right and share

00:22:33.871 --> 00:22:36.671
with your friends until next week thank you very much for having me.