{"id":108875,"date":"2026-06-18T00:16:21","date_gmt":"2026-06-17T22:16:21","guid":{"rendered":"https:\/\/www.infokuryr.cz\/n\/?p=108875"},"modified":"2026-06-17T15:33:26","modified_gmt":"2026-06-17T13:33:26","slug":"mladi-lide-jsou-v-otazce-penez-zvedavejsi-zaroven-ale-celi-drahemu-bydleni-i-online-podvodum-rika-jakub-rychly-z-nekrachni","status":"publish","type":"post","link":"https:\/\/www.infokuryr.cz\/n\/2026\/06\/18\/mladi-lide-jsou-v-otazce-penez-zvedavejsi-zaroven-ale-celi-drahemu-bydleni-i-online-podvodum-rika-jakub-rychly-z-nekrachni\/","title":{"rendered":"Mlad\u00ed lid\u00e9 jsou v ot\u00e1zce pen\u011bz zv\u011bdav\u011bj\u0161\u00ed. Z\u00e1rove\u0148 ale \u010del\u00ed drah\u00e9mu bydlen\u00ed i online podvod\u016fm, \u0159\u00edk\u00e1 Jakub Rychl\u00fd z Nekrachni"},"content":{"rendered":"<div id=\"fb-root\"><\/div>\n<p>Mlad\u00ed lid\u00e9 vstupuj\u00ed do dosp\u011blosti v dob\u011b drah\u00e9ho bydlen\u00ed, rostouc\u00edch \u017eivotn\u00edch n\u00e1klad\u016f a soci\u00e1ln\u00edch s\u00edt\u00ed pln\u00fdch investi\u010dn\u00edch zkratek i slib\u016f rychl\u00e9ho zbohatnut\u00ed. O pen\u011bz\u00edch se sice mluv\u00ed otev\u0159en\u011bji ne\u017e d\u0159\u00edve, praktick\u00e1 finan\u010dn\u00ed p\u0159\u00edprava ve \u0161kole ani v rodin\u011b ale podle Jakuba Rychl\u00e9ho, spoluzakladatele platformy Nekrachni, \u010dasto st\u00e1le chyb\u00ed.<\/p>\n<p>Nekrachni se zam\u011b\u0159uje na finan\u010dn\u00ed gramotnost a finan\u010dn\u00ed pohodu generace Z. Mlad\u00fdm lidem nab\u00edz\u00ed vzd\u011bl\u00e1vac\u00ed obsah, aplikaci, workshopy pro \u0161koly, materi\u00e1ly pro u\u010ditele i vzd\u011bl\u00e1v\u00e1n\u00ed pro firmy. C\u00edlem projektu je mluvit o pen\u011bz\u00edch srozumiteln\u011b, prakticky a bez moralizov\u00e1n\u00ed.<\/p>\n<p>\u201eMlad\u00ed lid\u00e9 jsou v tomhle ur\u010dit\u011b zv\u011bdav\u011bj\u0161\u00ed. Z\u00e1rove\u0148 jsou ale samoz\u0159ejm\u011b n\u00e1chyln\u011bj\u0161\u00ed k podvod\u016fm, kter\u00fdch v posledn\u00ed dob\u011b p\u0159ib\u00fdv\u00e1,\u201c uv\u00e1d\u00ed Jakub Rychl\u00fd <a href=\"https:\/\/tradeinfo.cz\/clanky\/rozhovor-s-jakubem-rychlym-z-nekrachni\/\">v rozhovoru<\/a> na Tradeinfo.cz.<\/p>\n<p>Podle Rychl\u00e9ho se situace v posledn\u00edch letech zlep\u0161ila v tom, \u017ee pen\u00edze u\u017e nejsou tak velk\u00e9 tabu. Z\u00e1rove\u0148 se ale zhor\u0161ily vn\u011bj\u0161\u00ed podm\u00ednky, kter\u00fdm mlad\u00ed lid\u00e9 \u010del\u00ed. Pat\u0159\u00ed mezi n\u011b hlavn\u011b bytov\u00e1 krize, zdra\u017eov\u00e1n\u00ed nebo tlak na to, aby si \u010dlov\u011bk svou finan\u010dn\u00ed budoucnost vy\u0159e\u0161il s\u00e1m.<\/p>\n<p>Finance nejsou rychl\u00e1 v\u011bc. Jde o dlouhou hru<\/p>\n<p>Jednou z nejv\u011bt\u0161\u00edch mezer z\u016fst\u00e1v\u00e1 podle Rychl\u00e9ho \u0161kola i rodina. O financ\u00edch se ve v\u00fduce st\u00e1le mluv\u00ed m\u00e1lo a t\u00e9ma nen\u00ed dostate\u010dn\u011b za\u010dlen\u011bn\u00e9 nap\u0159\u00ed\u010d p\u0159edm\u011bty. D\u016fle\u017eit\u00e9 je podle n\u011bj tak\u00e9 mluvit o pen\u011bz\u00edch doma co nejd\u0159\u00edve, nejen d\u011btem d\u00e1vat kapesn\u00e9, ale vysv\u011btlovat jim, jak jednotliv\u00e9 finan\u010dn\u00ed mechanismy funguj\u00ed.<\/p>\n<p>Rychl\u00fd doporu\u010duje za\u010d\u00edt jednoduch\u00fdmi kroky: sledovat v\u00fddaje, vytvo\u0159it si finan\u010dn\u00ed rezervu a pravideln\u011b odkl\u00e1dat i men\u0161\u00ed \u010d\u00e1stky. U rozpo\u010dtu zmi\u0148uje pravidlo 50\u201330\u201320, p\u0159\u00edpadn\u011b v dne\u0161n\u00ed dob\u011b sp\u00ed\u0161e 60\u201320\u201320, kdy by nutn\u00e9 v\u00fddaje nem\u011bly p\u0159es\u00e1hnout zhruba 50 a\u017e 60 procent p\u0159\u00edjm\u016f a alespo\u0148 \u010d\u00e1st pen\u011bz by m\u011bla sm\u011b\u0159ovat na spo\u0159en\u00ed nebo investice.<\/p>\n<p>Velk\u00fdm rizikem jsou podle n\u011bj tak\u00e9 online podvody, kter\u00e9 dnes \u010dasto nep\u016fsob\u00ed jako podez\u0159el\u00e9 e-maily, ale jako b\u011b\u017en\u00e9 zpr\u00e1vy, v\u00fdhodn\u00e9 nab\u00eddky nebo investi\u010dn\u00ed doporu\u010den\u00ed. Mlad\u00ed lid\u00e9 by proto podle n\u011bj m\u011bli posilovat nejen finan\u010dn\u00ed, ale i digit\u00e1ln\u00ed hygienu.<\/p>\n<p>\u201eFinance nejsou rychl\u00e1 v\u011bc. Je to dlouh\u00e1 hra a v\u011bt\u0161ina v\u011bc\u00ed trv\u00e1. Ned\u00e1 se to hacknout. A\u0165 u\u017e \u010dlov\u011bk za\u010d\u00edn\u00e1 v osmn\u00e1cti, nebo ve 27 letech, v\u017edycky je to o mal\u00fdch kroc\u00edch, na kter\u00e9 se postupn\u011b nabaluj\u00ed dal\u0161\u00ed a dal\u0161\u00ed v\u011bci,\u201c uv\u00e1d\u00ed se v rozhovoru na <a href=\"http:\/\/tradeinfo.cz\">Tradeinfo.cz<\/a>.<\/p>\n<p><img decoding=\"async\" loading=\"lazy\" class=\"alignnone size-full wp-image-1185\" src=\"http:\/\/www.infokuryr.cz\/n\/wp-content\/uploads\/2021\/04\/kuryr-podpis.png\" alt=\"\" width=\"84\" height=\"24\" \/><\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Mlad\u00ed lid\u00e9 vstupuj\u00ed do dosp\u011blosti v dob\u011b drah\u00e9ho bydlen\u00ed, rostouc\u00edch \u017eivotn\u00edch n\u00e1klad\u016f a soci\u00e1ln\u00edch s\u00edt\u00ed&#8230;<\/p>\n","protected":false},"author":2,"featured_media":108876,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":[],"categories":[6],"tags":[1042,45,548,331],"_links":{"self":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/108875"}],"collection":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/comments?post=108875"}],"version-history":[{"count":0,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/posts\/108875\/revisions"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media\/108876"}],"wp:attachment":[{"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/media?parent=108875"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/categories?post=108875"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/www.infokuryr.cz\/n\/wp-json\/wp\/v2\/tags?post=108875"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}