Финансы на пальцах. Гайд для зумеров по управлению деньгами

This guide helps Gen Z readers learn to manage money. It shows how thoughts and habits shape what we earn and spend. Family beliefs play a part too. It covers basic economics and how to make a budget. Readers learn to save and weigh the risks of credit. They also learn to guard what they own against fraud.

The book shows how a hobby can bring in money. It explains how to start investing with small sums. Plans for the future link these topics. The aim is long-term freedom with money, not quick gains. The authors teach money skills through a role-playing game.

Sergey Makarov is an independent financial adviser. He has twenty years of experience. He gives advice and teaches money management and investing. He also works to help people feel secure with money.

Co-author Valeria Tsibulnikova gives advice on finance. She works on programmes that teach people about money. She also backs science-based projects and startups.