{"id":248,"date":"2025-10-20T13:52:03","date_gmt":"2025-10-20T13:52:03","guid":{"rendered":"https:\/\/blog.pilapk.com\/money-myths-we-still-believe\/248\/"},"modified":"2026-04-17T18:54:08","modified_gmt":"2026-04-17T18:54:08","slug":"myty-o-peniazoch-ktorym-stale-verime","status":"publish","type":"post","link":"https:\/\/blog.pilapk.com\/sk\/money-myths-we-still-believe\/248\/","title":{"rendered":"M\u00fdty o peniazoch, ktor\u00fdm st\u00e1le ver\u00edme"},"content":{"rendered":"

M\u00fdty o peniazoch, ktor\u00fdm st\u00e1le ver\u00edme<\/h1>\n

Efekt\u00edvne spravovanie financi\u00ed je k\u013e\u00fa\u010dov\u00e1 \u017eivotn\u00e1 zru\u010dnos\u0165, no mnoh\u00ed z n\u00e1s funguj\u00fa na z\u00e1klade finan\u010dn\u00fdch myln\u00fdch predst\u00e1v, ktor\u00e9 m\u00f4\u017eu po\u0161kodi\u0165 na\u0161e dlhodob\u00e9 bohatstvo. Tieto m\u00fdty o peniazoch pretrv\u00e1vaj\u00fa napriek d\u00f4kazom o opaku, odovzd\u00e1vaj\u00fa sa z gener\u00e1cie na gener\u00e1ciu alebo ich \u0161\u00edria dobre mienen\u00ed, ale dezinformovan\u00ed poradcovia.<\/p>\n

Finan\u010dn\u00e1 gramotnos\u0165 sa vo v\u00e4\u010d\u0161ine \u0161k\u00f4l nevyu\u010duje, tak\u017ee mnoh\u00ed dospel\u00ed sa musia u\u010di\u0165 o hospod\u00e1ren\u00ed s peniazmi met\u00f3dou pokus-omyl. T\u00e1to medzera vo vedomostiach vytv\u00e1ra \u00farodn\u00fa p\u00f4du pre \u0161\u00edrenie m\u00fdtov, ktor\u00e9 ovplyv\u0148uj\u00fa na\u0161e finan\u010dn\u00e9 rozhodnutia, \u010dasto na na\u0161u \u0161kodu.<\/p>\n

M\u00fdtus o \u201cdobrom dlhu\u201d verzus \u201czlom dlhu\u201d<\/h2>\n

Pravdepodobne ste u\u017e po\u010duli, \u017ee niektor\u00e9 dlhy s\u00fa \u201cdobr\u00e9\u201d, zatia\u013e \u010do in\u00e9 s\u00fa \u201czl\u00e9\u201d. V\u0161eobecne sa hovor\u00ed, \u017ee hypotek\u00e1rne dlhy a \u0161tudentsk\u00e9 p\u00f4\u017ei\u010dky s\u00fa pozit\u00edvne, preto\u017ee s\u00fa invest\u00edciami, zatia\u013e \u010do dlhy z kreditn\u00fdch kariet s\u00fa negat\u00edvne. Tento zjednodu\u0161en\u00fd poh\u013ead v\u0161ak ignoruje nuansy osobn\u00fdch financi\u00ed.<\/p>\n

Ak\u00fdko\u013evek dlh, ktor\u00fd prevy\u0161uje va\u0161u schopnos\u0165 spl\u00e1ca\u0165 alebo nie je v s\u00falade s va\u0161imi finan\u010dn\u00fdmi cie\u013emi, sa m\u00f4\u017ee sta\u0165 problematick\u00fdm. Dokonca aj hypot\u00e9ka sa m\u00f4\u017ee sta\u0165 z\u00e1\u0165a\u017eou, ak klesn\u00fa ceny nehnute\u013enost\u00ed alebo ak ste sa pr\u00edli\u0161 natiahli. Podobne \u0161tudentsk\u00e9 p\u00f4\u017ei\u010dky nie s\u00fa automaticky \u201cdobr\u00e9\u201d, ak v\u00e1\u0161 titul nevedie k dostato\u010dn\u00e9mu pr\u00edjmu.<\/p>\n

Klam \u201cPren\u00e1jom je vyhadzovanie pe\u0148az\u00ed nazmar\u201d<\/h2>\n

Jedn\u00fdm z najpretrv\u00e1vaj\u00facich m\u00fdtov je, \u017ee pren\u00e1jom nehnute\u013enosti znamen\u00e1 vyhadzovanie pe\u0148az\u00ed, zatia\u013e \u010do k\u00fapa buduje bohatstvo. Toto zjednodu\u0161enie ignoruje po\u010detn\u00e9 finan\u010dn\u00e9 faktory, ktor\u00e9 ovplyv\u0148uj\u00fa rozhodnutie o pren\u00e1jme alebo k\u00fape.<\/p>\n

Vlastn\u00edctvo nehnute\u013enosti so sebou prin\u00e1\u0161a zna\u010dn\u00e9 n\u00e1klady nad r\u00e1mec hypot\u00e9ky, vr\u00e1tane dane z nehnute\u013enost\u00ed, poistenia, \u00fadr\u017eby a opr\u00e1v. Okrem toho, oportunitn\u00e9 n\u00e1klady spojen\u00e9 s viazan\u00edm ve\u013ekej z\u00e1lohy znamenaj\u00fa, \u017ee tieto prostriedky nie s\u00fa k dispoz\u00edcii na potenci\u00e1lne lukrat\u00edvnej\u0161ie invest\u00edcie inde.<\/p>\n

M\u00fdtus, \u017ee vy\u0161\u0161\u00ed pr\u00edjem rie\u0161i v\u0161etky finan\u010dn\u00e9 probl\u00e9my<\/h2>\n

Mnoho \u013eud\u00ed ver\u00ed, \u017ee zarobenie v\u00e4\u010d\u0161ieho mno\u017estva pe\u0148az\u00ed by vyrie\u0161ilo v\u0161etky ich finan\u010dn\u00e9 \u0165a\u017ekosti. Hoci zv\u00fd\u0161en\u00fd pr\u00edjem ur\u010dite pom\u00e1ha, zriedkakedy je \u00fapln\u00fdm rie\u0161en\u00edm finan\u010dn\u00fdch probl\u00e9mov, ako si mnoh\u00ed myslia.<\/p>\n

Bez spr\u00e1vnych zru\u010dnost\u00ed v oblasti riadenia financi\u00ed vy\u0161\u0161ie z\u00e1robky \u010dasto ved\u00fa k infl\u00e1cii \u017eivotn\u00e9ho \u0161t\u00fdlu, a nie k zlep\u0161eniu finan\u010dn\u00e9ho zabezpe\u010denia. \u0160t\u00fadie ukazuj\u00fa, \u017ee \u013eudia, ktor\u00ed maj\u00fa v\u00fdrazn\u00e9 zv\u00fd\u0161enie pr\u00edjmu, maj\u00fa tendenciu \u00famerne zvy\u0161ova\u0165 aj svoje v\u00fddavky, \u010do im finan\u010dne nelep\u0161\u00ed ako predt\u00fdm.<\/p>\n

Kreditn\u00e9 karty s\u00fa v\u017edy zl\u00e9<\/h2>\n

Predstava, \u017ee kreditn\u00e9 karty s\u00fa vo svojej podstate \u0161kodliv\u00e9 a treba sa im za ka\u017ed\u00fa cenu vyhn\u00fa\u0165, predstavuje \u010fal\u0161\u00ed be\u017en\u00fd omyl. Toto \u010diernobiele myslenie br\u00e1ni mnoh\u00fdm v strategickom vyu\u017e\u00edvan\u00ed \u00faveru ako finan\u010dn\u00e9ho n\u00e1stroja.<\/p>\n

Pri zodpovednom pou\u017e\u00edvan\u00ed pon\u00fakaj\u00fa kreditn\u00e9 karty zna\u010dn\u00e9 v\u00fdhody vr\u00e1tane ochrany pred podvodmi, odmien, budovania \u00faverovej hist\u00f3rie a kr\u00e1tkodob\u00fdch bez\u00faro\u010dn\u00fdch p\u00f4\u017ei\u010diek. Probl\u00e9m nie je v samotn\u00fdch kreditn\u00fdch kart\u00e1ch, ale sk\u00f4r v tom, ako sa pou\u017e\u00edvaj\u00fa a \u010di dr\u017eitelia kariet rozumej\u00fa podmienkam.<\/p>\n

M\u00fdtus, \u017ee \u0161etrenie sta\u010d\u00ed<\/h2>\n

Mnoho \u013eud\u00ed si mysl\u00ed, \u017ee samotn\u00e9 sporenie pe\u0148az\u00ed na bankovom \u00fa\u010dte je dostato\u010dn\u00e9 na finan\u010dn\u00e9 zabezpe\u010denie. Hoci je sporenie ur\u010dite d\u00f4le\u017eit\u00e9, tento pr\u00edstup ignoruje k\u013e\u00fa\u010dov\u00fa \u00falohu investovania a eroz\u00edvny vplyv infl\u00e1cie.<\/p>\n

Ke\u010f\u017ee priemern\u00e9 \u00farokov\u00e9 sadzby na sporiacich \u00fa\u010dtoch sa pohybuj\u00fa okolo 0,11 TP3T, zatia\u013e \u010do infl\u00e1cia sa zvy\u010dajne pohybuje okolo 2 a\u017e 31 TP3T ro\u010dne, peniaze na sporiacich \u00fa\u010dtoch v skuto\u010dnosti \u010dasom str\u00e1caj\u00fa k\u00fapnu silu. Budovanie bohatstva si zvy\u010dajne vy\u017eaduje, aby ste svoje peniaze investovali do r\u00f4znych investi\u010dn\u00fdch n\u00e1strojov.<\/p>\n

Na za\u010datie investovania potrebujete ve\u013ek\u00fa sumu pe\u0148az\u00ed<\/h2>\n

Pretrv\u00e1vaj\u00faci m\u00fdtus nazna\u010duje, \u017ee investovanie je len pre bohat\u00fdch, ktor\u00ed maj\u00fa k dispoz\u00edcii ve\u013ek\u00e9 sumy pe\u0148az\u00ed. T\u00e1to myln\u00e1 predstava br\u00e1ni mnoh\u00fdm \u013eu\u010fom, najm\u00e4 mlad\u00fdm dospel\u00fdm, za\u010da\u0165 svoju investi\u010dn\u00fa cestu v optim\u00e1lnom \u010dase.<\/p>\n

Dne\u0161n\u00e1 investi\u010dn\u00e1 krajina pon\u00faka mno\u017estvo mo\u017enost\u00ed, ako za\u010da\u0165 s mal\u00fdmi sumami. Mnoho brokersk\u00fdch spolo\u010dnost\u00ed pon\u00faka \u010diasto\u010dn\u00e9 akcie, \u010do umo\u017e\u0148uje investorom nakupova\u0165 \u010dasti drah\u00fdch akci\u00ed. Podobne aj robo-poradcovia maj\u00fa \u010dasto n\u00edzke alebo \u017eiadne minim\u00e1lne po\u010diato\u010dn\u00e9 sumy.<\/p>\n

Pasca \u201cInvestujem, ke\u010f budem ma\u0165 viac pe\u0148az\u00ed\u201d<\/h2>\n

S predch\u00e1dzaj\u00facim m\u00fdtom s\u00favis\u00ed aj my\u0161lienka, \u017ee je lep\u0161ie po\u010dka\u0165, k\u00fdm budete ma\u0165 viac pe\u0148az\u00ed, ne\u017e za\u010dnete investova\u0165. Toto myslenie ignoruje jednu z najmocnej\u0161\u00edch s\u00edl vo financi\u00e1ch: zlo\u017een\u00fd \u00farok.<\/p>\n

Za\u010da\u0165 skoro s mal\u00fdmi sumami \u010dasto prin\u00e1\u0161a lep\u0161ie dlhodob\u00e9 v\u00fdsledky ako \u010daka\u0165 roky na investovanie v\u00e4\u010d\u0161\u00edch s\u00fam. Rastov\u00fd potenci\u00e1l pe\u0148az\u00ed investovan\u00fdch v dvadsiatke \u010faleko prevy\u0161uje potenci\u00e1l v\u00e4\u010d\u0161\u00edch invest\u00edci\u00ed uskuto\u010dnen\u00fdch v \u0161tyridsiatke v\u010faka dodato\u010dn\u00fdm desa\u0165ro\u010diam zlo\u017eenia.<\/p>\n

M\u00fdtus, \u017ee v\u0161etky dlhy by mali by\u0165 splaten\u00e9 pred investovan\u00edm<\/h2>\n

Finan\u010dn\u00e9 poradenstvo \u010dasto odpor\u00fa\u010da splati\u0165 v\u0161etky dlhy pred za\u010dat\u00edm investovania. Hoci to d\u00e1va zmysel pri dlhoch s vysok\u00fdm \u00farokom, ako s\u00fa kreditn\u00e9 karty, nie je to v\u017edy optim\u00e1lna strat\u00e9gia pri dlhoch s n\u00edzkym \u00farokom, ako s\u00fa hypot\u00e9ky alebo niektor\u00e9 \u0161tudentsk\u00e9 p\u00f4\u017ei\u010dky.<\/p>\n

Ak m\u00e1 v\u00e1\u0161 dlh ni\u017e\u0161iu \u00farokov\u00fa sadzbu, ako je sadzba, ktor\u00fa by ste mohli rozumne o\u010dak\u00e1va\u0165 investovan\u00edm (historicky okolo 7% pre diverzifikovan\u00e9 akciov\u00e9 portf\u00f3li\u00e1), m\u00f4\u017ee by\u0165 pre v\u00e1s lep\u0161ie investova\u0165 a z\u00e1rove\u0148 vykon\u00e1va\u0165 minim\u00e1lne spl\u00e1tky pri n\u00edzko\u00faro\u010denom dlhu.<\/p>\n

Rozpo\u010dty s\u00fa pr\u00edli\u0161 obmedzuj\u00face<\/h2>\n

Mnoho \u013eud\u00ed sa vyh\u00fdba zostavovaniu rozpo\u010dtu, preto\u017ee si myslia, \u017ee bude pr\u00edli\u0161 obmedzuj\u00face alebo bude vy\u017eadova\u0165 sledovanie ka\u017ed\u00e9ho centa. T\u00e1to myln\u00e1 predstava im br\u00e1ni v za\u017e\u00edvan\u00ed slobody, ktor\u00e1 prich\u00e1dza s finan\u010dnou jasnos\u0165ou.<\/p>\n

Modern\u00e9 pr\u00edstupy k rozpo\u010dtovaniu sa menej zameriavaj\u00fa na obmedzenia a viac na zos\u00faladenie s osobn\u00fdmi hodnotami a cie\u013emi. Namiesto obmedzovania v\u00fddavkov pom\u00e1ha efekt\u00edvne rozpo\u010dtovanie zabezpe\u010di\u0165, aby va\u0161e peniaze pr\u00fadili tam, kde v\u00e1m najviac z\u00e1le\u017e\u00ed.<\/p>\n

M\u00fdtus, \u017ee finan\u010dn\u00ed poradcovia s\u00fa len pre bohat\u00fdch<\/h2>\n

Existuje v\u0161eobecn\u00fd n\u00e1zor, \u017ee finan\u010dn\u00ed poradcovia pracuj\u00fa iba s bohat\u00fdmi klientmi a poskytuj\u00fa hodnotu iba v zlo\u017eit\u00fdch finan\u010dn\u00fdch situ\u00e1ci\u00e1ch. T\u00e1to myln\u00e1 predstava br\u00e1ni mnoh\u00fdm \u013eu\u010fom so stredn\u00fdmi pr\u00edjmami vyh\u013eada\u0165 odborn\u00e9 poradenstvo.<\/p>\n

Dne\u0161n\u00e9 finan\u010dn\u00e9 poradenstvo zah\u0155\u0148a mnoho profesion\u00e1lov, ktor\u00ed pracuj\u00fa s klientmi s r\u00f4znymi \u00farov\u0148ami pr\u00edjmov. Okrem toho, vznik poradcov a fiduci\u00e1rov platiacich len honor\u00e1r spr\u00edstupnil kvalitn\u00e9 finan\u010dn\u00e9 poradenstvo aj priemern\u00fdm z\u00e1robkom.<\/p>\n

Poistenie je v\u017edy zl\u00e1 invest\u00edcia<\/h2>\n

Niektor\u00ed finan\u010dn\u00ed guruovia propaguj\u00fa my\u0161lienku, \u017ee v\u0161etky poistn\u00e9 produkty s investi\u010dn\u00fdmi zlo\u017ekami (ako napr\u00edklad celo\u017eivotn\u00e9 poistenie) s\u00fa zlou vo\u013ebou. Hoci tieto produkty nie s\u00fa vhodn\u00e9 pre ka\u017ed\u00e9ho, toto v\u0161eobecn\u00e9 zavrhovanie zjednodu\u0161uje zlo\u017eit\u00e9 rozhodnutie.<\/p>\n

V ur\u010dit\u00fdch situ\u00e1ci\u00e1ch t\u00fdkaj\u00facich sa pl\u00e1novania majetku, da\u0148ov\u00fdch \u00favah alebo \u0161pecifick\u00fdch rizikov\u00fdch profilov m\u00f4\u017eu by\u0165 cenn\u00e9 poistn\u00e9 produkty s investi\u010dn\u00fdmi prvkami. K\u013e\u00fa\u010dom je presne pochopi\u0165, \u010do kupujete a \u010di to zodpoved\u00e1 va\u0161im \u0161pecifick\u00fdm potreb\u00e1m.<\/p>\n

M\u00fdtus \u201cNezar\u00e1bam dos\u0165 na to, aby som si u\u0161etril\u201d<\/h2>\n

Mnoho \u013eud\u00ed si mysl\u00ed, \u017ee jednoducho nezar\u00e1baj\u00fa dos\u0165 pe\u0148az\u00ed na to, aby si u\u0161etrili nie\u010do zmyslupln\u00e9. Tento m\u00fdtus sa st\u00e1va sebanapl\u0148uj\u00facim sa proroctvom, ktor\u00e9 br\u00e1ni finan\u010dn\u00e9mu pokroku bez oh\u013eadu na \u00farove\u0148 pr\u00edjmu.<\/p>\n

V\u00fdskum opakovane ukazuje, \u017ee sporenie viac s\u00favis\u00ed so spr\u00e1van\u00edm ako s pr\u00edjmom. Mnoho \u013eud\u00ed s vysok\u00fdmi pr\u00edjmami spor\u00ed m\u00e1lo, zatia\u013e \u010do niektor\u00ed \u013eudia so skromn\u00fdmi pr\u00edjmami si vytv\u00e1raj\u00fa zna\u010dn\u00e9 \u00faspory prostredn\u00edctvom konzistentn\u00fdch n\u00e1vykov a stanovovania prior\u00edt.<\/p>\n

M\u00fdtus, \u017ee v\u0161etky finan\u010dn\u00e9 rady platia pre ka\u017ed\u00e9ho<\/h2>\n

Asi najnebezpe\u010dnej\u0161\u00edm m\u00fdtom je, \u017ee finan\u010dn\u00e9 poradenstvo je univerz\u00e1lne pou\u017eite\u013en\u00e9. Realita je tak\u00e1, \u017ee osobn\u00e9 financie s\u00fa presne tak\u00e9 \u2013 osobn\u00e9. \u010co funguje perfektne pre jedn\u00e9ho \u010dloveka, m\u00f4\u017ee by\u0165 pre in\u00e9ho katastrof\u00e1lne.<\/p>\n

Va\u0161e finan\u010dn\u00e9 rozhodnutia by mali odr\u00e1\u017ea\u0165 va\u0161e jedine\u010dn\u00e9 okolnosti, ciele, toleranciu rizika a hodnoty. V\u0161eobecn\u00e9 rady, ktor\u00e9 nezoh\u013ead\u0148uj\u00fa tieto faktory, m\u00f4\u017eu vies\u0165 k nevhodn\u00fdm finan\u010dn\u00fdm krokom, bez oh\u013eadu na to, ak\u00e9 rozumn\u00e9 m\u00f4\u017eu by\u0165 vo v\u0161eobecnosti.<\/p>\n

Myln\u00e1 predstava o \u201cna\u010dasovan\u00ed trhu\u201d<\/h2>\n

Mnoho investorov ver\u00ed, \u017ee \u00faspe\u0161n\u00e9 investovanie si vy\u017eaduje predv\u00eddanie pohybov na trhu \u2013 nakupovanie za n\u00edzku cenu a predaj za vysok\u00fa cenu. Tento m\u00fdtus vedie k nadmern\u00e9mu obchodovaniu a pokusom o na\u010dasovanie trhu, \u010dasto so slab\u00fdmi v\u00fdsledkami.<\/p>\n

Desa\u0165ro\u010dia v\u00fdskumu ukazuj\u00fa, \u017ee aj profesion\u00e1lni spr\u00e1vcovia fondov zriedkakedy dosahuj\u00fa konzistentn\u00e9 v\u00fdsledky oproti trhu v\u010faka na\u010dasovaniu. Pre v\u00e4\u010d\u0161inu investorov prin\u00e1\u0161a disciplinovan\u00fd pr\u00edstup pravideln\u00e9ho investovania bez oh\u013eadu na trhov\u00e9 podmienky (priemerovanie dol\u00e1rov\u00fdch n\u00e1kladov) lep\u0161ie dlhodob\u00e9 v\u00fdsledky.<\/p>\n

Oslobodenie sa od m\u00fdtov o peniazoch<\/h2>\n

Spochyb\u0148ovanie t\u00fdchto finan\u010dn\u00fdch myln\u00fdch predst\u00e1v je prv\u00fdm krokom k budovaniu skuto\u010dnej finan\u010dnej gramotnosti. Spochyb\u0148ovan\u00edm konven\u010dn\u00fdch m\u00fadrost\u00ed a h\u013eadan\u00edm pr\u00edstupov k riadeniu pe\u0148az\u00ed zalo\u017een\u00fdch na d\u00f4kazoch m\u00f4\u017eete robi\u0165 informovanej\u0161ie rozhodnutia v s\u00falade s va\u0161imi cie\u013emi.<\/p>\n

Pam\u00e4tajte, \u017ee finan\u010dn\u00e9 vzdel\u00e1vanie je neust\u00e1ly proces. Ako sa va\u0161e okolnosti menia a vy z\u00edskavate viac vedomost\u00ed, bu\u010fte ochotn\u00ed prisp\u00f4sobi\u0165 svoj pr\u00edstup. Finan\u010dn\u00e9 strat\u00e9gie, ktor\u00e9 v\u00e1m najlep\u0161ie sl\u00fa\u017eia, sa bud\u00fa vyv\u00edja\u0165 po\u010das cel\u00e9ho v\u00e1\u0161ho \u017eivota.<\/p>","protected":false},"excerpt":{"rendered":"

Money Myths We Still Believe Managing your finances effectively is a crucial life skill, yet many of us operate under […]<\/p>\n","protected":false},"author":4,"featured_media":935,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"default","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[7],"tags":[],"class_list":["post-248","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-finance"],"_links":{"self":[{"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/posts\/248","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/users\/4"}],"replies":[{"embeddable":true,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/comments?post=248"}],"version-history":[{"count":1,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/posts\/248\/revisions"}],"predecessor-version":[{"id":936,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/posts\/248\/revisions\/936"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/media\/935"}],"wp:attachment":[{"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/media?parent=248"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/categories?post=248"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/blog.pilapk.com\/sk\/wp-json\/wp\/v2\/tags?post=248"}],"curies":[{"name":"pracovn\u00fd list","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}