פרק 17 - כסף לא חייב לעצור אותנו-איך מממנים לימודים בחו״ל

לימודים בחו״ל נשמעים להרבה אנשים כמו חלום גדול, אבל גם כמו פחד כלכלי לא קטן. כמה זה באמת עולה? האם חייבים הורים עשירים? איך עובדות הלוואות לסטודנטים? ומתי השקעה בלימודים הופכת גם להשקעה חכמה בעתיד?

בפרק הזה אירחנו את שי גולן, מנהל בנק דיסקונט אפקה לשיחה פתוחה ובלי שפה בנקאית מסובכת. דיברנו על כל מה שצעירים וסטודנטים באמת רוצים לדעת: טעויות כלכליות נפוצות, התנהלות נכונה לפני המעבר, הלוואות לסטודנטים, חיים בחו״ל, שיחות על כסף עם ההורים והדרך לקבל החלטות כלכליות בלי להיכנס ללחץ מיותר.

אם אתם חולמים ללמוד בחו״ל אבל הכסף מלחיץ אתכם, תקדישו כמה דקות להאזין לפרק.

*השיחה נועדה למידע והשראה בלבד ואינה מהווה ייעוץ פיננסי או המלצה אישית.

Transcript

SPEAKER_02 0:01

Shalom, we have university of the podcasternoga, you have to be a good one. I know, we have a lot of people who are not going to be able to do it.

SPEAKER_01 2:07

So as a mate, I'm going to go to the house, and I'm going to go to the house. Aval student you dame lift not allowed, and we have to use the amot, and soften that we student, but soa, and we're not going to be able to do this. Sedir Azat Naimashtovim, Zoot and Dafka Hashanah, Losha Alta, Mastalze, Aval Dafka Shana Bemet is the mutazuta or Europa or the breed, or Bamet Slib and Time Berthot, as Gam Shara Helifin, we sahekpo kidmashmotime dollar, medal mashuk mosh time kudatation, a student gaminim, lobby, mashkook, we feel student dollar, dollarimet, a sort of dollarim, and the mishtia in Zugnasu Tari. Aska Bemecha, a student, I had him shell on Kmoche, Amati Mikodem, and Nishalota Monshellot. Sadir Melodmot Hashula Nula Vodbchki Fut Melea, Ledaber Lagvulot, Alayholot Meroch. Blila Stir Vilia Pot, Etam Tsute, Keshmetsu, Shpochem Gvote, Rim, Nidrashim Lahtomar Vot, Beschum Kesef Mashmoti. Vetira Barbemishpachot, Zwashkame show tefet batichela yelet, kahaim ruimed. Kmo show rimashkeim bedira obese keshmichot, beetem laškea ba bailadim shalem, belimudim bechul Arbepa mim shanama sluulechaim, sheldour shalem, phinat karriera, bitahon, kalkale izdamuota tidiot, az bezrata shalot, bezrata Bitachon gam sheme kabli mea chuvot, gamet so vrimeh Bitachon. Nehola gidleha sheh lifnekama shanim, giju zuguri mim student, natanu talva, student wahsiem lil mod, ve aba aħeshana eh akeshana za yeah, aħeshanahusiem ta eta alva aken a yeled, itkasherelai. Ve amali alan tazuhero te ani abba shelkachha vekaha, ušamurut tliba ba telefon, ba mali tere gama bate yot tset lelimudima nahnubahimya share elha. Ane manutazu, vea lismohha lecha ze arbeha utalagav. Sheli ke kemenael, kebankai, la dachani oseta avodatova veatawede, zeme gia shu ve, meutamishpacha, ve zeme odmahmi. Zomer sha citi, shha siti mashusham shenagaba emvemu shavadsuan.

SPEAKER_02 27:33

Tani, shhedambaramay shitalai um disclaimer po alumka cluma bank and the shit to pullakal kalimis khikoshu. Kevdaberitha vodra k was of that is in Yanshara Nashim, it's mohal mishu. But amidashamahtele, Aleho Alehem K student, and you student in Mahim show met uh shovel ketam is levad as it nahbahma ishuv um as a kiff killum headed mashtomer, the holikatsov uh perek, honot conokol is it site another Israeli or Israelite Bene Srimish time, Sukhesh Loshim, the Honela Gilaim, Shhoshashim Lakakata Alva, Hoshima Kesef, Avalombrim Walla Limudim Behul, if it's Tikrotz Hukhids and a Holy Mergishani Kyavad Zavel, Mamashme Fahed Maywaze meotgdola. Mata Omerlaim.

SPEAKER_01 28:31

Aniomerle me Listakel gamla metsuut, ve gamla e cholot begova enaim. Besader anachnu baour shelmot behul, vele napetzkols tikratz khuhit, ve le kabele zeshu jobbe behevrag dola, ve mashmautit, bidu kmo a khaverim shelaim, o makarim shelaim, o kelecem kurimbe hadme mea tarimakalkalim, veze mout khashov listakel, veli rod, veliv noteta takziv shelaim, betsuwa, she nechona, ki basofali mudim bechul e not nimarbe, takshiv zemaamad, ze maskochemot gvot zet Afkidim Khirim Bameshekeshli lomme aate le kochot, ma yombe bekumi net ofkidim khirim, kefliftoach, de marker o ezeshu ezehu atarkal kaliya kherve ta shemshla gidwala, uayatli me sandalima shenikrah ve khasare khasar bi tahakonba khala bayomu mena elze she firma gdola mashu, be metlis takel advarim, begova nim Lolik Fotsmala Pupik, lokara klumim im tzhimle sader veli targen, ochana kede la tsetla khaloma gadolaze, ve khashov mikol, bezman shatembalimudim, vegwawoskimbe zatodah, ali mudimbehulem arbeme ver lelimudim. Talamade tato, ze arbek sharim shiotrin, zaulaya uh zekimat koldeva chutsma alimudim shalavisia. Zanashim, khadashim sha tamekir, zek sharim sha tabune, ze khasimim anashimbehul ze Shlikut, bemdinak mo Israel, atli mudim behul, the coli sraeli shautze ushagrir miprinatenu. Umareta taerzaya fashelanu, yeshamon game at Shlikut Shel student shemivimu, l'aret student mechul, le colme tiulim, barret, we make Israel shamout khashov. Lakahatazman, le lirocha call me Ugan, the azlat limudim, shima loli bail, sharalimudu gavouan, ti ruhate me dimlamo, titiatsuimam ishpaha, titiyatoim khavarim, ti uzgorimalat'mehem, we be metasha maimemagvul. Any tana sium ale studentemale student, kaha la kruitzen, alvotva she pina shell kaha, shelachat, masha nikra. Yesh are hot perekula, dwarimacherim bemati uh mashukatan and student shigela y mishto kashna mrava kim, itanyan ba alva, kol, yatsulele mudim behul, uhu ni sharubeka nobekesh, uga mefnaudarbe student, orbe todaya za kaverme vi khaver machanikra. Weimasha niim atodea tam kabele oda atwhatsap anizuhare bezesstein bala, ushalach lituna she stoyalda, mtinok bayad ve atodea tome wala, ithalon, miklum ve, veneu khaverim, veodme forgain la nov, at awek, mishpachot mit patot, kam nishawotla gore bekul, kam hozot la rets, ve nisharim etenugam le kohot, some kochot me odhutim, shilizare nahu gamashkimba student, sheat sam ottovala studentim kedegam she shawetzlenu, kele kohot, premiumikabatid, veze bemete, ma vea, bebe nahat ve kefla vodita. Ezekef, ezekef, as as Po Zak Zakoda Cum anda Helchabat'sha to dashabata, ilan gisha Mudim bhul, Velechashlo katan mezha langisha panakal calibali mudim bhul, Velehaanish bealef um bank shiholet musadu like sat, kaumukakla pehuts, pitamash pose kovit asamasto da can can uhli tehase masha malta is cutali poze mashu. Ani zoh lifne lifne kamashani, kahashet khanuimata lihazehala limude mbalva odba bank, az a hezesh na time shalloshigala student. Wala koshel bank kahagi chemabank. Uma li teksiv, shha matia lehabe, amuli sha ta sha tem yodimna tetula alva utle studenti, mbotsa per lima'j khalatia. Ve tzati loytakolo, umeli tekshiv zemadim, Aiti be ban kakher, badaktia citi se ker ma kirim. Bani umerle mani ohli mod MBA behul veakol, we m istaklima live, umri chmata, lonirak musarkanka dursal, nba bedeha sarkanimem gvoim veakol. Azebemetramata apearim sheesh ledati gam arbe na benaban ki mashonim, zanisha shani mashkea barbe. Ve ve kefli rocha studentim gama rihim, shanakudim gam mekirim tatsahim sheleem. Seder mea katsela kate zmashu shimot khashov. Akani kajave leagid basof shekovan colo podcaster zekolo z ma kodem kolmodne neti.

SPEAKER_02 34:04

Kenakkef.

SPEAKER_01 34:04

Ayao mashkef. Shle mona mon ma maleagid, shap shanini skarani, amartti zebel, lamartze, niti alzebu lo shalete asken, asperekaba besimcha, ani otaq let sayen sh anibemete bankay ve nbekolmasha marty the amlatilvad, al date atsmeva anisonchelim studentin, ve kamuvan loma shushha bank me studentin, odvehule, we gabe alva, khashovla at gish, shia mi dabe pirona alva, tigori bit pigurim valihautza la poal, tsrina modbetne alva, we call alva, ni shelet legufa, kmosha marnubathala, wecol student anachnu buhani tatsahim, buhani duhota sha, tiva revim, velpiza nachnu khazarim chuva, go no go.

SPEAKER_02 34:50

Khuvma, uhai amona toda, batzlaha, perikavasha.

SPEAKER_01 34:55

Ta da da yakev. Bat'slacha.