{"id":224879,"date":"2024-03-11T08:30:00","date_gmt":"2024-03-11T08:30:00","guid":{"rendered":"https:\/\/bm.dev.synology.me\/?p=224879"},"modified":"2024-03-11T08:30:00","modified_gmt":"2024-03-11T08:30:00","slug":"taiati-cordonul-ombilical-cu-care-va-tineti-copilul-adult-legat-financiar-de-voi","status":"publish","type":"post","link":"https:\/\/bm.dev.synology.me\/?p=224879","title":{"rendered":"T\u0103ia\u0163i cordonul ombilical cu care v\u0103 \u0163ine\u0163i copilul-adult legat financiar de voi!"},"content":{"rendered":"<p>\n<strong>\u00ce<\/strong>i cer lui tata bani pentru chirie, trece mama s\u0103-mi aduc\u0103 de m\u00e2ncare \u015fi s\u0103 m\u0103 ajute la cur\u0103\u0163enie, \u00eemi pl\u0103tesc ai mei ratele la cas\u0103\/telefon, s-au oferit s\u0103 ne ajute ei s\u0103 mergem \u00een concediu, c\u0103 dup\u0103 ce ne lu\u0103m apartamentul va fi mai greu cu plec\u0103rile\u201d\u2026 sunt doar c\u00e2teva dintre replicile pe care le tot aud de la prietenii mei adul\u0163i, de-o seam\u0103 cu mine, adic\u0103 \u00een jurul v\u00e2rstei de 30 de ani, ori chiar peste. Trecu\u0163i de mult de majorat, iar unii cu salarii mult mai mari dec\u00e2t pensia\/salariul p\u0103rin\u0163ilor.<\/p>\n<p>\nLa nivel european, o statistic\u0103 a Eurostat ar\u0103ta c\u0103 rom\u00e2nii \u00ee\u015fi p\u0103r\u0103sesc casa p\u0103rinteasc\u0103 \u00een jurul v\u00e2rstei de 25-30 de ani (25,7 femeile \u015fi 30,3 b\u0103rba\u0163ii &#8211; la noi fiind \u00eent\u00e2lnit\u0103 cea mai mare diferen\u0163\u0103 \u00eentre sexe), \u00een timp ce suedezii, de pild\u0103, pleac\u0103 de acas\u0103 cu 5-6 ani mai devreme, media european\u0103 fiind de circa 24 de ani. De asemenea, \u00een Rom\u00e2nia peste 40% dintre adul\u0163ii cu v\u00e2rsta de 25-34 de ani locuiau cu p\u0103rin\u0163ii (\u00een 2018, la data public\u0103rii statisticii), Danemarca av\u00e2nd aici cel mai mic scor, de circa 4%, cu o medie a EU de aproximativ 30%.<\/p>\n<p>\n\u00cen ceea ce prive\u015fte dependen\u0163a financiar\u0103, trec\u00e2nd dincolo de grani\u0163ele Europei, un studiu citat de cbsnews men\u0163ioneaz\u0103 c\u0103 \u00een Statele Unite doar 45% dintre adul\u0163ii de 18-34 de ani se declar\u0103 100% independen\u0163i financiar de p\u0103rin\u0163i, iar 1 din 5 adul\u0163i cu v\u00e2rsta cuprins\u0103 \u00eentre 30 \u015fi 34 de ani recunoa\u015fte c\u0103 \u00eenc\u0103 are nevoie de sprijin, apel\u00e2nd la p\u0103rin\u0163i pentru plata utilit\u0103\u0163ilor, printre altele, \u00een timp ce num\u0103rul e \u015fi mai mare \u00een r\u00e2ndul celor de 18-24 de ani.<\/p>\n<p>\n&nbsp;\u00cen plus, aceast\u0103 dependen\u0163\u0103 vine la pachet cu un surplus. Potrivit aceluia\u015fi studiu, 45% dintre studen\u0163ii de 25-29 de ani din prezent sunt \u00eendatora\u0163i, \u00een timp ce \u00een 1993, cu trei decenii \u00een urm\u0103, procentajul era de 28%. Nu e de mirare, c\u0103ci acum tinerii c\u0103l\u0103toresc mai des \u015fi \u00een destina\u0163ii mai exotice, vor cel mai nou model de smartphone la fiecare lansare, vor ma\u015fini electrice sau hibrid, vor s\u0103 mearg\u0103 la studii peste grani\u0163e \u2013 dar nu to\u0163i \u00eenva\u0163\u0103 pentru o burs\u0103 de studiu, vor s\u0103 m\u0103n\u00e2nce la fine-dining sau cu diet\u0103 raw-vegan\u0103 \u2013 op\u0163iuni mult mai scumpe dec\u00e2t clasicele meniuri de fast-food preferate la ie\u015firile cu prietenii \u00een trecut, vor, \u00eenc\u0103 de prin adolescen\u0163\u0103, cele mai trendy outfituri, c\u0103ci uniformele nu mai sunt obligatorii \u00een multe \u015fcoli \u015fi e\u015fti ar\u0103tat cu degetul dac\u0103 nu por\u0163i un model-r\u0103cnet de Jordans. \u015ei gradul de \u00eendatorare pentru locuin\u0163\u0103 e mai mare dec\u00e2t \u00een \u02bc90 &#8211; datoria medie a unui t\u00e2n\u0103r de 29-34 de ani din State e de 190.000 de dolari, \u00een timp ce \u00een 1993 era de 120.000 de dolari, cifrele fiind calculate la o infla\u0163ie ajustat\u0103.<\/p>\n<p>\nLec\u0163ia dependen\u0163ei e toxic\u0103, c\u0103ci dac\u0103 adultul \u00eentre\u0163inut va ajunge c\u00e2ndva \u00een situa\u0163ia \u00een care nu va mai putea fi sprijinit financiar de p\u0103rin\u0163i, se va trezi pe un teritoriu complet necunoscut, poate \u00een cel mai nepropice moment. Un prim risc evident e s\u0103 \u00eenlocuiasc\u0103 dependen\u0163a de p\u0103rin\u0163i cu cea de prieteni ori de partener, sau de \u00eemprumuturi imediate, cu dob\u00e2nzi mari, care \u00eel vor \u00eengloda \u00een datorii, dar pot ap\u0103rea \u015fi altele. De asemenea, rela\u0163iile cu cei care opresc ajutorul se pot \u00eenr\u0103ut\u0103\u0163i, de aceea e bine s\u0103 fie prevenite astfel de riscuri, nu comb\u0103tute. \u015ei \u00een via\u0163a de familie, de cuplu, pot ap\u0103rea nemul\u0163umiri, frustr\u0103ri, dac\u0103 descoperi c\u0103 locuie\u015fti cu un copil-adult care nu \u015ftie la 25-30 de ani s\u0103 porneasc\u0103 ma\u015fina de sp\u0103lat, s\u0103 pr\u0103jeasc\u0103 un ou, s\u0103 \u00ee\u015fi calce o c\u0103ma\u015f\u0103 sau s\u0103 pl\u0103teasc\u0103 o factur\u0103.<\/p>\n<p>\nPreg\u0103tirea momentului \u00een care vei t\u0103ia cordonul ombilical cu care \u00ee\u0163i \u0163ii copilul ata\u015fat financiar de tine poate fi f\u0103cut foarte de timpuriu, s\u0103dindu-i responsabilitatea banilor, \u00eenv\u0103\u0163\u00e2ndu-l cum s\u0103 \u00eei c\u00e2\u015ftige, nu doar s\u0103 \u00eei cear\u0103 \u2013 cu mici sarcini \u00een cas\u0103 pentru care poate fi recompensat.<\/p>\n<p>\nLa fel, exist\u0103 fel de fel de joburi pe care le poate face chiar \u015fi pe durata liceului\/a facult\u0103\u0163ii, cu care s\u0103 \u00ee\u015fi str\u00e2ng\u0103 banii necesari pentru un city break, un iPhone \u015fi tot a\u015fa \u2013 s\u0103 dea medita\u0163ii, s\u0103 \u00eenve\u0163e s\u0103 fac\u0103 site-uri, copywriting, promo\u0163ii, apari\u0163ii TV \u00een reclame \u015fi multe altele. Sunte\u0163i antreprenori mul\u0163i dintre voi, implica\u0163i-i \u00een afaceri, ajuta\u0163i-i s\u0103 g\u0103seasc\u0103 ceva ce li se potrive\u015fte cu adev\u0103rat dac\u0103 au \u00eenclina\u0163ie c\u0103tre business, educa\u0163i-i financiar, \u00eenv\u0103\u0163a\u0163i-i cum s\u0103 investeasc\u0103. Dar nu le \u00eentre\u0163ine\u0163i dependen\u0163a financiar\u0103 \u00een via\u0163a de adult.<\/p>\n<p>\nDe altfel, cel mai bun exemplu vine de la arhicunoscu\u0163ii miliardari ai lumii, de la Warren Buffet, de la Bill Gates, de la Mark Zuckerburg, care au sus\u0163inut, de-a lungul timpului, c\u0103 nu sunt adep\u0163ii l\u0103s\u0103rii averilor ca mo\u015ftenire, ci prefer\u0103 s\u0103 doneze p\u0103r\u0163i importante ale acestora (peste 50%, conform campaniei caritabile The giving pledge). La scar\u0103 mic\u0103, re\u0163eta poate fi aplicat\u0103 tuturor, indiferent c\u0103 vorbim de ac\u0163iuni caritabile ori de a profita de resursele tale financiare dup\u0103 bunul plac, dup\u0103 ce timp de mul\u0163i ani ai muncit \u015fi pentru a-\u0163i cre\u015fte copiii.&nbsp;&nbsp;<\/p>\n<p>\n<strong>Andra Stroe este jurnalist, BUSINESS Magazin<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>\u00cei cer lui tata bani pentru chirie, trece mama s\u0103-mi aduc\u0103 de m\u00e2ncare \u015fi s\u0103 m\u0103 ajute la cur\u0103\u0163enie, \u00eemi pl\u0103tesc ai mei ratele la cas\u0103\/telefon, s-au oferit s\u0103 ne ajute ei s\u0103 mergem \u00een concediu, c\u0103 dup\u0103 ce ne lu\u0103m apartamentul va fi mai greu cu plec\u0103rile\u201d\u2026 sunt doar c\u00e2teva dintre replicile pe care [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[510,529,512],"tags":[34554,33141,82,13497,11056,87,10162],"class_list":["post-224879","post","type-post","status-publish","format-standard","hentry","category-actualitate","category-opinii","category-revista-bm","tag-adulti","tag-ajutare","tag-bani","tag-dependenta","tag-financiar","tag-opinie","tag-parinti"],"_links":{"self":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224879","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcomments&post=224879"}],"version-history":[{"count":0,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=\/wp\/v2\/posts\/224879\/revisions"}],"wp:attachment":[{"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fmedia&parent=224879"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Fcategories&post=224879"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bm.dev.synology.me\/index.php?rest_route=%2Fwp%2Fv2%2Ftags&post=224879"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}