{
    "id": 36278,
    "date": "2024-08-09T06:56:18",
    "date_gmt": "2024-08-09T06:56:18",
    "guid": {
        "rendered": "https:\/\/new.bizz.io\/?p=36278"
    },
    "modified": "2024-08-12T08:35:04",
    "modified_gmt": "2024-08-12T08:35:04",
    "slug": "mladi-in-investiranje-zacetki-investiranja",
    "status": "publish",
    "type": "post",
    "link": "https:\/\/new.bizz.io\/en\/2024\/08\/09\/mladi-in-investiranje-zacetki-investiranja\/",
    "title": {
        "rendered": "Mladi in investiranje – za\u010detki investiranja"
    },
    "content": {
        "rendered": "<div data-elementor-type=\"wp-post\" data-elementor-id=\"36278\" class=\"elementor elementor-36278\" data-elementor-post-type=\"post\">\n\t\t\t\t<div class=\"elementor-element elementor-element-b08b9ad e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"b08b9ad\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-c0f36e2 cmsmasters-audio-type-spotify cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-cmsmasters-audio\" data-id=\"c0f36e2\" data-element_type=\"widget\" data-settings=\"{&quot;audio_type&quot;:&quot;spotify&quot;}\" data-widget_type=\"cmsmasters-audio.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<link rel=\"stylesheet\" href=\"https:\/\/new.bizz.io\/wp-content\/uploads\/elementor\/css\/cmsmasters-custom-widget-cmsmasters-audio.min.css?ver=1728389160\"><div class=\"elementor-widget-cmsmasters-audio__container\"><iframe title=\"Spotify Embed: Za mlade in za\u010detnike: kako upravljati denar in var\u010devati\" style=\"border-radius: 12px\" width=\"100%\" height=\"152\" frameborder=\"0\" allowfullscreen allow=\"autoplay; clipboard-write; encrypted-media; fullscreen; picture-in-picture\" loading=\"lazy\" src=\"https:\/\/open.spotify.com\/embed\/episode\/79mKCn9gszZqcltBAhP6Mt?si=6DBoTxLySJOioagSg_j0Pw&amp;utm_source=oembed\"><\/iframe><\/div>\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-8e6ad32 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"8e6ad32\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-text-editor.elementor-drop-cap-view-stacked .elementor-drop-cap{background-color:#69727d;color:#fff}.elementor-widget-text-editor.elementor-drop-cap-view-framed .elementor-drop-cap{color:#69727d;border:3px solid;background-color:transparent}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap{margin-top:8px}.elementor-widget-text-editor:not(.elementor-drop-cap-view-default) .elementor-drop-cap-letter{width:1em;height:1em}.elementor-widget-text-editor .elementor-drop-cap{float:left;text-align:center;line-height:1;font-size:50px}.elementor-widget-text-editor .elementor-drop-cap-letter{display:inline-block}<\/style>\t\t\t\t<p>V tokratni epizodi: <a href=\"https:\/\/www.youtube.com\/watch?v=GgeK45mAGsQ\">Za mlade in za\u010detnike: kako upravljati denar in var\u010devati<\/a>, podkasta <strong>Money-How<\/strong>, ki ga ustvarja Marja Mili\u010d, so se posvetili pomembnim vpra\u0161anjem, ki zadevajo mlade v njihovih prvih korakih upravljanja osebnih financ. Epizoda ponuja prakti\u010dne nasvete in razlage, ki so klju\u010dne za vsakogar, ki \u017eeli postati finan\u010dno pismen in vzpostaviti trdne temelje za prihodnost.<\/p><h3>Glavne to\u010dke epizode:<\/h3><ol><li><p><strong>Razkorak v znanju in razumevanju financ<\/strong>: Marja uvodoma izpostavi problem razkoraka v finan\u010dni pismenosti med mladimi. Veliko mladih se namre\u010d znajde pred izzivi, ki jih prina\u0161a finan\u010dna neodvisnost, brez zadostnega znanja o upravljanju denarja. Razumevanje osnovnih finan\u010dnih pojmov in strategij je klju\u010dno, da se izognejo napakam in oblikujejo zdrave finan\u010dne navade.<\/p><\/li><li><p><strong>Kako razporediti denar<\/strong>: V prvem delu epizode se Marja osredoto\u010da na upravljanje denarja, ki ga mladi prejemajo kot \u0161tipendijo ali \u017eepnino. Poudarek je na prakti\u010dnih nasvetih, kako oblikovati osebni prora\u010dun, ki vklju\u010duje tako nujne mese\u010dne stro\u0161ke kot tudi sredstva za var\u010devanje in prosto\u010dasne dejavnosti. Bistvo je v tem, da mladi za\u010dnejo razmi\u0161ljati o denarju kot o omejenem viru, ki ga je treba razumno razporediti.<\/p><\/li><li><p><strong>Postavljanje var\u010devalnih ciljev<\/strong>: Postavljanje konkretnih var\u010devalnih ciljev je eden od klju\u010dnih korakov pri oblikovanju finan\u010dne stabilnosti. Marja pojasnjuje, kako dolo\u010diti kratkoro\u010dne in dolgoro\u010dne cilje ter kako se motivirati za njihovo dosego. Namen tega koraka je, da mladi \u017ee zgodaj razvijejo navado na\u010drtovanja in var\u010devanja, kar jim bo omogo\u010dilo ve\u010djo finan\u010dno varnost v prihodnosti.<\/p><\/li><li><p><strong>Varnostna rezerva<\/strong>: Varnostna rezerva je sklad denarja, ki ga imamo na voljo za nepri\u010dakovane izdatke. Marja poudarja, da je ustvarjanje varnostne rezerve ena izmed prvih prioritet, saj ta zagotavlja finan\u010dno za\u0161\u010dito v primeru izgube prihodka ali nepredvidenih stro\u0161kov. Pomembno je, da mladi razumejo, zakaj je varnostna rezerva klju\u010dna za finan\u010dno stabilnost.<\/p><\/li><li><p><strong>Razumevanje neto in bruto pla\u010de<\/strong>: Marja razlo\u017ei razliko med neto in bruto pla\u010do ter zakaj je pomembno vedeti, koliko dejansko \u00bbstanemo\u00ab delodajalca. To razumevanje omogo\u010da bolj\u0161o oceno vrednosti delovnih pogodb in pomaga pri na\u010drtovanju osebnega prora\u010duna. Mladi pogosto spregledajo to razliko, kar lahko privede do napa\u010dnih pri\u010dakovanj glede njihovega dejanskega razpolo\u017eljivega dohodka.<\/p><\/li><li><p><strong>Kako do pasivnih prihodkov<\/strong>: Pasivni prihodki so klju\u010dni za gradnjo finan\u010dne neodvisnosti, saj omogo\u010dajo ustvarjanje dohodka brez aktivne vpletenosti. Marja razlaga razli\u010dne strategije za ustvarjanje pasivnih prihodkov, kot so nalo\u017ebe v delnice, nepremi\u010dnine ali druge finan\u010dne produkte. Glavno sporo\u010dilo je, da je za dosego finan\u010dne svobode potrebno aktivno vlagati v sredstva, ki prina\u0161ajo pasiven dohodek.<\/p><\/li><li><p><strong>Investiranje za za\u010detnike<\/strong>: V tem delu epizode Marja podaja pregled osnovnih konceptov investiranja, kot so borza, delnice, skladi in dividende. Pojasni razliko med aktivno in pasivno upravljanimi skladi ter opozarja na pomembnost razumevanja stro\u0161kov, povezanih z razli\u010dnimi investicijskimi opcijami. Mladi se pogosto spopadajo z dilemo, kje in kako za\u010deti z investiranjem, zato so te informacije klju\u010dne za njihovo finan\u010dno opismenjevanje.<\/p><\/li><li><p><strong>Inflacija in njen vpliv na finance<\/strong>: Inflacija je koncept, ki ga morajo razumeti vsi, ki \u017eelijo u\u010dinkovito upravljati svoje finance. Marja pojasnjuje, kako inflacija zmanj\u0161uje kupno mo\u010d denarja in zakaj je pomembno investirati v sredstva, ki vsaj ohranjajo svojo vrednost ali jo celo pove\u010dujejo. Razumevanje inflacije pomaga pri bolj\u0161em na\u010drtovanju dolgoro\u010dnih finan\u010dnih ciljev.<\/p><\/li><li><p><strong>Investiranje v kriptovalute<\/strong>: Kriptovalute so pogosto privla\u010dna mo\u017enost za mlade vlagatelje, vendar so povezane z visokimi tveganji. Marja opozarja na pomembnost raziskovanja in razumevanja kriptovalut pred za\u010detkom vlaganja. \u010ceprav so kriptovalute lahko zelo donosne, so hkrati tudi zelo nestabilne, zato je treba k investiranju pristopiti z veliko mero previdnosti.<\/p><\/li><\/ol><h3>Viri in dodatna gradiva:<\/h3><p>Marja spodbuja uporabo sodnjih virov za bolj\u0161e razumevanje in nadzor nad osebnimi financami:<\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-1a89796 cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-toggle\" data-id=\"1a89796\" data-element_type=\"widget\" data-widget_type=\"toggle.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>.elementor-toggle{text-align:start}.elementor-toggle .elementor-tab-title{font-weight:700;line-height:1;margin:0;padding:15px;border-bottom:1px solid #d5d8dc;cursor:pointer;outline:none}.elementor-toggle .elementor-tab-title .elementor-toggle-icon{display:inline-block;width:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon svg{margin-inline-start:-5px;width:1em;height:1em}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-right{float:right;text-align:right}.elementor-toggle .elementor-tab-title .elementor-toggle-icon.elementor-toggle-icon-left{float:left;text-align:left}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-closed{display:block}.elementor-toggle .elementor-tab-title .elementor-toggle-icon .elementor-toggle-icon-opened{display:none}.elementor-toggle .elementor-tab-title.elementor-active{border-bottom:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-closed{display:none}.elementor-toggle .elementor-tab-title.elementor-active .elementor-toggle-icon-opened{display:block}.elementor-toggle .elementor-tab-content{padding:15px;border-bottom:1px solid #d5d8dc;display:none}@media (max-width:767px){.elementor-toggle .elementor-tab-title{padding:12px}.elementor-toggle .elementor-tab-content{padding:12px 10px}}.e-con-inner>.elementor-widget-toggle,.e-con>.elementor-widget-toggle{width:var(--container-widget-width);--flex-grow:var(--container-widget-flex-grow)}<\/style>\t\t<div class=\"elementor-toggle\">\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2781\" class=\"elementor-tab-title\" data-tab=\"1\" role=\"button\" aria-controls=\"elementor-tab-content-2781\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Izra\u010dun vi\u0161ine depozitov<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2781\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"1\" role=\"region\" aria-labelledby=\"elementor-tab-title-2781\"><p><a href=\"http:\/\/www.depoziti.si\/\">Lorem ipsum dolor sit amet, consectetur adipiscing elit. Ut elit tellus, luctus nec ullamcorper mattis, pulvinar dapibus leo.<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2782\" class=\"elementor-tab-title\" data-tab=\"2\" role=\"button\" aria-controls=\"elementor-tab-content-2782\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Izra\u010dun neto\/bruto zneska \u0161tudentskega dela:<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2782\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"2\" role=\"region\" aria-labelledby=\"elementor-tab-title-2782\"><p><a href=\"https:\/\/www.zvezarfr.si\/pripomocki\/iz...\">https:\/\/www.zvezarfr.si\/pripomocki\/iz&#8230;<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2783\" class=\"elementor-tab-title\" data-tab=\"3\" role=\"button\" aria-controls=\"elementor-tab-content-2783\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Izra\u010dun neto\/bruto zneska pla\u010de<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2783\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"3\" role=\"region\" aria-labelledby=\"elementor-tab-title-2783\"><p>https:\/\/www.racunovodja.com\/izracuni\/&#8230;<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2784\" class=\"elementor-tab-title\" data-tab=\"4\" role=\"button\" aria-controls=\"elementor-tab-content-2784\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Izra\u010duni donosnosti<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2784\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"4\" role=\"region\" aria-labelledby=\"elementor-tab-title-2784\"><p>https:\/\/www.calculator.net\/investment&#8230;<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2785\" class=\"elementor-tab-title\" data-tab=\"5\" role=\"button\" aria-controls=\"elementor-tab-content-2785\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Nabor ETF<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2785\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"5\" role=\"region\" aria-labelledby=\"elementor-tab-title-2785\"><p><a href=\"https:\/\/biznispace.com\/sl\/blog\/v-kate...\">https:\/\/biznispace.com\/sl\/blog\/v-kate&#8230;<\/a><\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2786\" class=\"elementor-tab-title\" data-tab=\"6\" role=\"button\" aria-controls=\"elementor-tab-content-2786\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">Katerega brokerja izbrati<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2786\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"6\" role=\"region\" aria-labelledby=\"elementor-tab-title-2786\"><p>https:\/\/biznispace.com\/sl\/blog\/seznam&#8230;<\/p><p>in<\/p><p>https:\/\/www.justetf.com\/en\/<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t<div class=\"elementor-toggle-item\">\n\t\t\t\t\t<div id=\"elementor-tab-title-2787\" class=\"elementor-tab-title\" data-tab=\"7\" role=\"button\" aria-controls=\"elementor-tab-content-2787\" aria-expanded=\"false\">\n\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon elementor-toggle-icon-left\" aria-hidden=\"true\">\n\t\t\t\t\t\t\t\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-closed\"><svg class=\"e-font-icon-svg e-fas-caret-right\" viewbox=\"0 0 192 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M0 384.662V127.338c0-17.818 21.543-26.741 34.142-14.142l128.662 128.662c7.81 7.81 7.81 20.474 0 28.284L34.142 398.804C21.543 411.404 0 402.48 0 384.662z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t<span class=\"elementor-toggle-icon-opened\"><svg class=\"elementor-toggle-icon-opened e-font-icon-svg e-fas-caret-up\" viewbox=\"0 0 320 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M288.662 352H31.338c-17.818 0-26.741-21.543-14.142-34.142l128.662-128.662c7.81-7.81 20.474-7.81 28.284 0l128.662 128.662c12.6 12.599 3.676 34.142-14.142 34.142z\"><\/path><\/svg><\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t\t\t\t\t\t\t<a class=\"elementor-toggle-title\" tabindex=\"0\">O inflaciji<\/a>\n\t\t\t\t\t<\/div>\n\n\t\t\t\t\t<div id=\"elementor-tab-content-2787\" class=\"elementor-tab-content elementor-clearfix\" data-tab=\"7\" role=\"region\" aria-labelledby=\"elementor-tab-title-2787\"><p>https:\/\/www.ecb.europa.eu\/ecb\/educati&#8230;<\/p><\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-b0d86cc cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-spacer\" data-id=\"b0d86cc\" data-element_type=\"widget\" data-widget_type=\"spacer.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-spacer\">\n\t\t\t<div class=\"elementor-spacer-inner\"><\/div>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-2b8c1cb e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"2b8c1cb\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-d7273fb cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" data-id=\"d7273fb\" data-element_type=\"widget\" data-widget_type=\"text-editor.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t\t\t<h4>Money-how oziroma Marjo Mili\u010d lahko spremljate na dru\u017ebenih omre\u017ejih:<\/h4>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<div class=\"elementor-element elementor-element-5d9b653 elementor-shape-rounded elementor-grid-0 e-grid-align-center cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-social-icons\" data-id=\"5d9b653\" data-element_type=\"widget\" data-widget_type=\"social-icons.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t<style>\/*! elementor - v3.23.0 - 25-07-2024 *\/\n.elementor-widget-social-icons.elementor-grid-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-mobile-0 .elementor-widget-container,.elementor-widget-social-icons.elementor-grid-tablet-0 .elementor-widget-container{line-height:1;font-size:0}.elementor-widget-social-icons:not(.elementor-grid-0):not(.elementor-grid-tablet-0):not(.elementor-grid-mobile-0) .elementor-grid{display:inline-grid}.elementor-widget-social-icons .elementor-grid{grid-column-gap:var(--grid-column-gap,5px);grid-row-gap:var(--grid-row-gap,5px);grid-template-columns:var(--grid-template-columns);justify-content:var(--justify-content,center);justify-items:var(--justify-content,center)}.elementor-icon.elementor-social-icon{font-size:var(--icon-size,25px);line-height:var(--icon-size,25px);width:calc(var(--icon-size, 25px) + 2 * var(--icon-padding, .5em));height:calc(var(--icon-size, 25px) + 2 * var(--icon-padding, .5em))}.elementor-social-icon{--e-social-icon-icon-color:#fff;display:inline-flex;background-color:#69727d;align-items:center;justify-content:center;text-align:center;cursor:pointer}.elementor-social-icon i{color:var(--e-social-icon-icon-color)}.elementor-social-icon svg{fill:var(--e-social-icon-icon-color)}.elementor-social-icon:last-child{margin:0}.elementor-social-icon:hover{opacity:.9;color:#fff}.elementor-social-icon-android{background-color:#a4c639}.elementor-social-icon-apple{background-color:#999}.elementor-social-icon-behance{background-color:#1769ff}.elementor-social-icon-bitbucket{background-color:#205081}.elementor-social-icon-codepen{background-color:#000}.elementor-social-icon-delicious{background-color:#39f}.elementor-social-icon-deviantart{background-color:#05cc47}.elementor-social-icon-digg{background-color:#005be2}.elementor-social-icon-dribbble{background-color:#ea4c89}.elementor-social-icon-elementor{background-color:#d30c5c}.elementor-social-icon-envelope{background-color:#ea4335}.elementor-social-icon-facebook,.elementor-social-icon-facebook-f{background-color:#3b5998}.elementor-social-icon-flickr{background-color:#0063dc}.elementor-social-icon-foursquare{background-color:#2d5be3}.elementor-social-icon-free-code-camp,.elementor-social-icon-freecodecamp{background-color:#006400}.elementor-social-icon-github{background-color:#333}.elementor-social-icon-gitlab{background-color:#e24329}.elementor-social-icon-globe{background-color:#69727d}.elementor-social-icon-google-plus,.elementor-social-icon-google-plus-g{background-color:#dd4b39}.elementor-social-icon-houzz{background-color:#7ac142}.elementor-social-icon-instagram{background-color:#262626}.elementor-social-icon-jsfiddle{background-color:#487aa2}.elementor-social-icon-link{background-color:#818a91}.elementor-social-icon-linkedin,.elementor-social-icon-linkedin-in{background-color:#0077b5}.elementor-social-icon-medium{background-color:#00ab6b}.elementor-social-icon-meetup{background-color:#ec1c40}.elementor-social-icon-mixcloud{background-color:#273a4b}.elementor-social-icon-odnoklassniki{background-color:#f4731c}.elementor-social-icon-pinterest{background-color:#bd081c}.elementor-social-icon-product-hunt{background-color:#da552f}.elementor-social-icon-reddit{background-color:#ff4500}.elementor-social-icon-rss{background-color:#f26522}.elementor-social-icon-shopping-cart{background-color:#4caf50}.elementor-social-icon-skype{background-color:#00aff0}.elementor-social-icon-slideshare{background-color:#0077b5}.elementor-social-icon-snapchat{background-color:#fffc00}.elementor-social-icon-soundcloud{background-color:#f80}.elementor-social-icon-spotify{background-color:#2ebd59}.elementor-social-icon-stack-overflow{background-color:#fe7a15}.elementor-social-icon-steam{background-color:#00adee}.elementor-social-icon-stumbleupon{background-color:#eb4924}.elementor-social-icon-telegram{background-color:#2ca5e0}.elementor-social-icon-threads{background-color:#000}.elementor-social-icon-thumb-tack{background-color:#1aa1d8}.elementor-social-icon-tripadvisor{background-color:#589442}.elementor-social-icon-tumblr{background-color:#35465c}.elementor-social-icon-twitch{background-color:#6441a5}.elementor-social-icon-twitter{background-color:#1da1f2}.elementor-social-icon-viber{background-color:#665cac}.elementor-social-icon-vimeo{background-color:#1ab7ea}.elementor-social-icon-vk{background-color:#45668e}.elementor-social-icon-weibo{background-color:#dd2430}.elementor-social-icon-weixin{background-color:#31a918}.elementor-social-icon-whatsapp{background-color:#25d366}.elementor-social-icon-wordpress{background-color:#21759b}.elementor-social-icon-x-twitter{background-color:#000}.elementor-social-icon-xing{background-color:#026466}.elementor-social-icon-yelp{background-color:#af0606}.elementor-social-icon-youtube{background-color:#cd201f}.elementor-social-icon-500px{background-color:#0099e5}.elementor-shape-rounded .elementor-icon.elementor-social-icon{border-radius:10%}.elementor-shape-circle .elementor-icon.elementor-social-icon{border-radius:50%}<\/style>\t\t<div class=\"elementor-social-icons-wrapper elementor-grid\">\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-apple elementor-repeater-item-58866c7\" href=\"https:\/\/www.youtube.com\/redirect?event=video_description&#038;redir_token=QUFFLUhqbmNzV2Z2cEJaNjVicUcxYlB1ZEEyaWptaVZIZ3xBQ3Jtc0trSThXeVZJMEh2a3VoUmYybWk4bE9DWFJDWGhBOTA3SXJJeW1NVU4tS0syWTFPRFp6LU5pcWd1TWczLXNPQWNkNmxPTmt3eFBuZWZnUzdSLVdkN3RQaHY5Umx6dzN6VWhaNVdPdDlCUC1DWXZpZC1GSQ&#038;q=https%3A%2F%2Fbiznispace.com%2Fmoney-how%2Fitun..&#038;v=GgeK45mAGsQ\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Apple<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-apple\" viewbox=\"0 0 384 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M318.7 268.7c-.2-36.7 16.4-64.4 50-84.8-18.8-26.9-47.2-41.7-84.7-44.6-35.5-2.8-74.3 20.7-88.5 20.7-15 0-49.4-19.7-76.4-19.7C63.3 141.2 4 184.8 4 273.5q0 39.3 14.4 81.2c12.8 36.7 59 126.7 107.2 125.2 25.2-.6 43-17.9 75.8-17.9 31.8 0 48.3 17.9 76.4 17.9 48.6-.7 90.4-82.5 102.6-119.3-65.2-30.7-61.7-90-61.7-91.9zm-56.6-164.2c27.3-32.4 24.8-61.9 24-72.5-24.1 1.4-52 16.4-67.9 34.9-17.5 19.8-27.8 44.3-25.6 71.9 26.1 2 49.9-11.4 69.5-34.3z\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-android elementor-repeater-item-d4fe1b6\" href=\"https:\/\/www.youtube.com\/redirect?event=video_description&#038;redir_token=QUFFLUhqbEFnRlo2MXpmUnk0VHZUakdNR18xTFRpOVp3UXxBQ3Jtc0ttMi1hRzlianR4dTFWRTBZTTJnQjh4SlZpZnQ1RmRnZEVEc2RrRjdXYl9fTUVCbnJqdEx6d2dDLURKUHJ1bTBtcW1yTGl2ZFByUDFWc0dvX1FGSGRwT2lERWl3czlPVVhUWXBFQmJfelRxWXBZMDZpWQ&#038;q=https%3A%2F%2Fbiznispace.com%2Fmoney-how%2Fandr..&#038;v=GgeK45mAGsQ\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Android<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-android\" viewbox=\"0 0 576 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M420.55,301.93a24,24,0,1,1,24-24,24,24,0,0,1-24,24m-265.1,0a24,24,0,1,1,24-24,24,24,0,0,1-24,24m273.7-144.48,47.94-83a10,10,0,1,0-17.27-10h0l-48.54,84.07a301.25,301.25,0,0,0-246.56,0L116.18,64.45a10,10,0,1,0-17.27,10h0l47.94,83C64.53,202.22,8.24,285.55,0,384H576c-8.24-98.45-64.54-181.78-146.85-226.55\"><\/path><\/svg>\t\t\t\t\t<\/a>\n\t\t\t\t<\/span>\n\t\t\t\t\t\t\t<span class=\"elementor-grid-item\">\n\t\t\t\t\t<a class=\"elementor-icon elementor-social-icon elementor-social-icon-spotify elementor-repeater-item-44558cd\" href=\"https:\/\/www.youtube.com\/redirect?event=video_description&#038;redir_token=QUFFLUhqbm4tUFMtS2dnUkNYRHRNRzZqTHFmQk5SYWk3UXxBQ3Jtc0tsSTNYTHZzVHV1Uzg5RFpZdHh3eE0wRUhPNUpudVI3enM5MEZFOWZwanJibkQyX0lRYnlINnVWU2RjeVBOMTgtMVNPSE0xN0hya1lNWlFjdl9vLUZGZ2F1QkFfR1ZhLVBqUGNpbVB6MEM0UmVTaGJIcw&#038;q=https%3A%2F%2Fbiznispace.com%2Fmoney-how%2Fspot..&#038;v=GgeK45mAGsQ\" target=\"_blank\">\n\t\t\t\t\t\t<span class=\"elementor-screen-only\">Spotify<\/span>\n\t\t\t\t\t\t<svg class=\"e-font-icon-svg e-fab-spotify\" viewbox=\"0 0 496 512\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\"><path d=\"M248 8C111.1 8 0 119.1 0 256s111.1 248 248 248 248-111.1 248-248S384.9 8 248 8zm100.7 364.9c-4.2 0-6.8-1.3-10.7-3.6-62.4-37.6-135-39.2-206.7-24.5-3.9 1-9 2.6-11.9 2.6-9.7 0-15.8-7.7-15.8-15.8 0-10.3 6.1-15.2 13.6-16.8 81.9-18.1 165.6-16.5 237 26.2 6.1 3.9 9.7 7.4 9.7 16.5s-7.1 15.4-15.2 15.4zm26.9-65.6c-5.2 0-8.7-2.3-12.3-4.2-62.5-37-155.7-51.9-238.6-29.4-4.8 1.3-7.4 2.6-11.9 2.6-10.7 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data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-96bee2f elementor-widget-divider--view-line cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-divider\" data-id=\"96bee2f\" data-element_type=\"widget\" data-widget_type=\"divider.default\">\n\t\t\t\t<div class=\"elementor-widget-container\">\n\t\t\t\t\t<div class=\"elementor-divider\">\n\t\t\t<span class=\"elementor-divider-separator\">\n\t\t\t\t\t\t<\/span>\n\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t<div class=\"elementor-element elementor-element-c940467 e-flex e-con-boxed cmsmasters-block-default e-con e-parent\" data-id=\"c940467\" data-element_type=\"container\">\n\t\t\t\t\t<div class=\"e-con-inner\">\n\t\t\t\t<div class=\"elementor-element elementor-element-740313d cmsmasters-block-default cmsmasters-sticky-default elementor-widget elementor-widget-text-editor\" 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Za podrobnej\u0161e informacije priporo\u010damo poslu\u0161anje celotne epizode na uradnih platformah.<\/em><\/p>\t\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t\t<\/div>\n\t\t\t\t<\/div>\n\t\t\t\t<\/div>",
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