{"id":3086,"date":"2025-01-15T13:30:01","date_gmt":"2025-01-15T10:30:01","guid":{"rendered":"https:\/\/otetmarkets.net\/blog\/?p=3086"},"modified":"2025-04-20T15:20:45","modified_gmt":"2025-04-20T12:20:45","slug":"warren-buffetts-advice-for-the-middle-class","status":"publish","type":"post","link":"https:\/\/otetmarkets.net\/blog\/articles\/warren-buffetts-advice-for-the-middle-class\/","title":{"rendered":"\u0646\u0635\u064a\u062d\u0629 \u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a \u0644\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629"},"content":{"rendered":"\n<div class=\"wp-block-rank-math-toc-block\" id=\"rank-math-toc\"><h2>\u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/h2><nav><ul><li class=\"\"><a 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id=\"\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a-\u0627\u0644\u062c\u062f\u064a\u062f\u0629-\u0641\u062e-\u0627\u0644\u0623\u0635\u0648\u0644-\u0627\u0644\u0645\u062a\u062f\u0647\u0648\u0631\u0629\"><strong>\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629: \u0641\u062e \u0627\u0644\u0623\u0635\u0648\u0644 \u0627\u0644\u0645\u062a\u062f\u0647\u0648\u0631\u0629<\/strong> <\/h3>\n\n\n\n<p>&#8220;\u0644\u0627 \u062a\u062f\u062e\u0631 \u0645\u0627 \u064a\u062a\u0628\u0642\u0649 \u0628\u0639\u062f \u0627\u0644\u0625\u0646\u0641\u0627\u0642\u061b \u0628\u0644 \u0623\u0646\u0641\u0642 \u0645\u0627 \u064a\u062a\u0628\u0642\u0649 \u0628\u0639\u062f \u0627\u0644\u0627\u062f\u062e\u0627\u0631.&#8221; \u2013 \u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a<\/p>\n\n\n\n<p> \u0634\u0631\u0627\u0621 \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u0647\u0648 \u0623\u062d\u062f \u0627\u0644\u0646\u0641\u0642\u0627\u062a \u0627\u0644\u0643\u0628\u064a\u0631\u0629 \u0627\u0644\u062a\u064a \u064a\u0646\u062a\u0642\u062f\u0647\u0627 \u0628\u0627\u0641\u064a\u062a \u0628\u0634\u0643\u0644 \u0645\u0633\u062a\u0645\u0631. \u0641\u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0647\u064a \u0623\u0635\u0648\u0644 \u062a\u062a\u062f\u0647\u0648\u0631 \u0642\u064a\u0645\u062a\u0647\u0627 \u0628\u0633\u0631\u0639\u0629. \u062a\u0638\u0647\u0631 \u0627\u0644\u0625\u062d\u0635\u0627\u0626\u064a\u0627\u062a \u0623\u0646 \u0627\u0644\u0633\u064a\u0627\u0631\u0629 \u0627\u0644\u062c\u062f\u064a\u062f\u0629 \u062a\u0641\u0642\u062f \u062d\u062a\u0649 20% \u0645\u0646 \u0642\u064a\u0645\u062a\u0647\u0627 \u0641\u064a \u0627\u0644\u0633\u0646\u0629 \u0627\u0644\u0623\u0648\u0644\u0649 \u0648\u062a\u0635\u0644 \u0625\u0644\u0649 60% \u0628\u0639\u062f \u062e\u0645\u0633 \u0633\u0646\u0648\u0627\u062a. \u0628\u0627\u0641\u064a\u062a \u0646\u0641\u0633\u0647 \u064a\u0637\u0628\u0642 \u0647\u0630\u0647 \u0627\u0644\u0646\u0635\u064a\u062d\u0629. \u0641\u0642\u062f \u0642\u0627\u062f \u0633\u064a\u0627\u0631\u0629 \u0643\u0627\u062f\u064a\u0644\u0627\u0643 DTS \u0645\u0648\u062f\u064a\u0644 2006 \u0644\u0645\u062f\u0629 \u0639\u0642\u062f \u062a\u0642\u0631\u064a\u0628\u0627\u064b \u0642\u0628\u0644 \u0623\u0646 \u064a\u0642\u0648\u0645 \u0628\u062a\u062d\u062f\u064a\u062b\u0647\u0627 \u0641\u064a 2014 \u0628\u0646\u0627\u0621\u064b \u0639\u0644\u0649 \u0637\u0644\u0628 \u0627\u0628\u0646\u062a\u0647. \u0643\u0645\u0627 \u0643\u0627\u0646 \u064a\u0634\u062a\u0631\u064a \u0627\u0644\u0633\u064a\u0627\u0631\u0627\u062a \u0627\u0644\u062a\u064a \u0628\u0647\u0627 \u062a\u0644\u0641 \u0637\u0641\u064a\u0641 \u0644\u062a\u062c\u0646\u0628 \u0627\u0644\u062a\u062f\u0647\u0648\u0631 \u0627\u0644\u0643\u0628\u064a\u0631 \u0641\u064a \u0642\u064a\u0645\u062a\u0647\u0627.<\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"481\" src=\"https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/111-1024x481.webp\" alt=\"\u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a\" class=\"wp-image-3091\" srcset=\"https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/111-1024x481.webp 1024w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/111-300x141.webp 300w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/111-768x361.webp 768w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/111.webp 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a-\u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a-\u063a\u064a\u0631-\u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629-\u0645\u0635\u0627\u0631\u0641-\u0627\u0644\u0645\u0627\u0644-\u0627\u0644\u0635\u0627\u0645\u062a\u0629\"><strong>\u0627\u0644\u0627\u0634\u062a\u0631\u0627\u0643\u0627\u062a \u0648\u0627\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0636\u0631\u0648\u0631\u064a\u0629: \u0645\u0635\u0627\u0631\u0641 \u0627\u0644\u0645\u0627\u0644 \u0627\u0644\u0635\u0627\u0645\u062a\u0629<\/strong><\/h3>\n\n\n\n<p>&#8220;\u0625\u0630\u0627 \u0627\u0634\u062a\u0631\u064a\u062a \u0623\u0634\u064a\u0627\u0621 \u0644\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u064a\u0647\u0627\u060c \u0633\u062a\u0636\u0637\u0631 \u0642\u0631\u064a\u0628\u0627\u064b \u0644\u0628\u064a\u0639 \u0623\u0634\u064a\u0627\u0621 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u064a\u0647\u0627.&#8221; \u2013 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\u0627\u0644\u0645\u0627\u0636\u064a!<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u0634\u0627\u0647\u062f \u0623\u064a\u0636\u0627\u064b: <a href=\"https:\/\/otetmarkets.net\/blog\/articles\/%d8%a7%d9%84%d8%ad%d9%81%d8%a7%d8%b8-%d8%b9%d9%84%d9%89-%d8%a3%d9%85%d8%a7%d9%86-%d8%ad%d8%b3%d8%a7%d8%a8%d8%a7%d8%aa-%d8%a7%d9%84%d9%81%d9%88%d8%b1%d9%83%d8%b3\/\" data-type=\"post\" data-id=\"2463\">\u0646\u0635\u0627\u0626\u062d \u0623\u0633\u0627\u0633\u064a\u0629 \u0644\u0644\u062d\u0641\u0627\u0638 \u0639\u0644\u0649 \u0623\u0645\u0627\u0646 \u062d\u0633\u0627\u0628\u0627\u062a\u0643 \u0641\u064a \u0627\u0644\u0641\u0648\u0631\u0643\u0633 \u0648\u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0631\u0642\u0645\u064a\u0629<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a-\u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629-\u0625\u0644\u0649-\u0645\u0646\u0627\u0632\u0644-\u0623\u0643\u0628\u0631-\u0641\u062e-\u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a\"><strong>\u0627\u0644\u062a\u062d\u062f\u064a\u062b\u0627\u062a \u0627\u0644\u0645\u0633\u062a\u0645\u0631\u0629 \u0625\u0644\u0649 \u0645\u0646\u0627\u0632\u0644 \u0623\u0643\u0628\u0631: \u0641\u062e \u0627\u0644\u0639\u0642\u0627\u0631\u0627\u062a<\/strong><\/h3>\n\n\n\n<p>&#8220;\u0627\u0644\u0631\u0636\u0627 \u064a\u0623\u062a\u064a \u0645\u0646 \u0627\u0644\u062f\u0631\u062c\u0627\u062a \u0627\u0644\u062f\u0627\u062e\u0644\u064a\u0629\u060c \u0648\u0644\u064a\u0633 \u0627\u0644\u062e\u0627\u0631\u062c\u064a\u0629.&#8221; \u2013 \u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a<\/p>\n\n\n\n<p> \u0628\u064a\u0646\u0645\u0627 \u064a\u0639\u062a\u0631\u0641 \u0628\u0627\u0641\u064a\u062a \u0628\u0623\u0647\u0645\u064a\u0629 \u0627\u0645\u062a\u0644\u0627\u0643 \u0645\u0646\u0632\u0644\u060c \u0625\u0644\u0627 \u0623\u0646\u0647 \u064a\u0646\u062a\u0642\u062f \u0639\u0627\u062f\u0629 \u0627\u0644\u062a\u062d\u062f\u064a\u062b \u0627\u0644\u0645\u0633\u062a\u0645\u0631 \u0625\u0644\u0649 \u0645\u0646\u0627\u0632\u0644 \u0623\u0643\u0628\u0631. \u0647\u0630\u0647 \u0627\u0644\u0639\u0627\u062f\u0629 \u0627\u0644\u0634\u0627\u0626\u0639\u0629 \u0628\u064a\u0646 \u0627\u0644\u0637\u0628\u0642\u0629 \u0627\u0644\u0645\u062a\u0648\u0633\u0637\u0629 \u0642\u062f \u062a\u0624\u062f\u064a \u0625\u0644\u0649 \u0636\u063a\u0648\u0637 \u0645\u0627\u0644\u064a\u0629 \u0648\u062a\u0639\u064a\u0642 \u062a\u0631\u0627\u0643\u0645 \u0627\u0644\u062b\u0631\u0648\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644. \u0644\u0642\u062f \u0639\u0627\u0634 \u0628\u0627\u0641\u064a\u062a \u0641\u064a \u0646\u0641\u0633 \u0645\u0646\u0632\u0644\u0647 \u0641\u064a \u0623\u0648\u0645\u0627\u0647\u0627\u060c \u0646\u0628\u0631\u0627\u0633\u0643\u0627 \u0645\u0646\u0630 \u0639\u0627\u0645 1958\u060c \u0648\u0627\u0644\u0630\u064a \u0627\u0634\u062a\u0631\u0627\u0647 \u0645\u0642\u0627\u0628\u0644 31,500 \u062f\u0648\u0644\u0627\u0631. \u0648\u064a\u0634\u062f\u062f \u0639\u0644\u0649 \u0623\u0646 \u0627\u0644\u062a\u0643\u0627\u0644\u064a\u0641 \u0627\u0644\u0639\u0627\u0644\u064a\u0629 \u0644\u0644\u0636\u0631\u0627\u0626\u0628 \u0648\u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u0648\u0641\u0648\u0627\u062a\u064a\u0631 \u0627\u0644\u0645\u0631\u0627\u0641\u0642 \u0641\u064a \u0627\u0644\u0645\u0646\u0627\u0632\u0644 \u0627\u0644\u0623\u0643\u0628\u0631 \u0647\u064a \u0633\u0628\u0628 \u0644\u0644\u0639\u064a\u0634 \u0636\u0645\u0646 \u0627\u0644\u0625\u0645\u0643\u0627\u0646\u064a\u0627\u062a.<\/p>\n\n\n\n<p><\/p>\n\n\n\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"481\" src=\"https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/\u0648\u0627\u0631\u0646-\u0628\u0627\u0641\u064a\u062a-1024x481.webp\" alt=\"\u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a\" class=\"wp-image-3092\" srcset=\"https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/\u0648\u0627\u0631\u0646-\u0628\u0627\u0641\u064a\u062a-1024x481.webp 1024w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/\u0648\u0627\u0631\u0646-\u0628\u0627\u0641\u064a\u062a-300x141.webp 300w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/\u0648\u0627\u0631\u0646-\u0628\u0627\u0641\u064a\u062a-768x361.webp 768w, https:\/\/otetmarkets.net\/blog\/wp-content\/uploads\/2025\/01\/\u0648\u0627\u0631\u0646-\u0628\u0627\u0641\u064a\u062a.webp 1280w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n\n\n\n<p><\/p>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u0627\u0644\u0633\u0644\u0639-\u0627\u0644\u0631\u062e\u064a\u0635\u0629-\u0648\u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629-\u0627\u0644\u062c\u0648\u062f\u0629-\u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f-\u0627\u0644\u0645\u0632\u064a\u0641\"><strong>\u0627\u0644\u0633\u0644\u0639 \u0627\u0644\u0631\u062e\u064a\u0635\u0629 \u0648\u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u062c\u0648\u062f\u0629: \u0627\u0644\u0627\u0642\u062a\u0635\u0627\u062f \u0627\u0644\u0645\u0632\u064a\u0641<\/strong> <\/h3>\n\n\n\n<p>&#8220;\u0627\u0644\u0633\u0639\u0631 \u0647\u0648 \u0645\u0627 \u062a\u062f\u0641\u0639\u0647\u061b \u0648\u0627\u0644\u0642\u064a\u0645\u0629 \u0647\u064a \u0645\u0627 \u062a\u062d\u0635\u0644 \u0639\u0644\u064a\u0647.&#8221; \u2013 \u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a<\/p>\n\n\n\n<p> \u064a\u064f\u0642\u064a\u0645 \u0628\u0627\u0641\u064a\u062a \u0627\u0644\u062c\u0648\u062f\u0629 \u0639\u0644\u0649 \u0627\u0644\u0643\u0645\u064a\u0629. \u064a\u0639\u062a\u0642\u062f \u0623\u0646 \u0634\u0631\u0627\u0621 \u0627\u0644\u0623\u0634\u064a\u0627\u0621 \u0627\u0644\u0631\u062e\u064a\u0635\u0629 \u0648\u0627\u0644\u0645\u0646\u062e\u0641\u0636\u0629 \u0627\u0644\u062c\u0648\u062f\u0629 \u0642\u062f \u064a\u0628\u062f\u0648 \u0645\u062c\u062f\u064a\u0627\u064b \u0645\u0627\u0644\u064a\u0627\u064b \u0641\u064a \u0627\u0644\u0628\u062f\u0627\u064a\u0629\u060c \u0644\u0643\u0646\u0647 \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629 \u064a\u0635\u0628\u062d \u0623\u0643\u062b\u0631 \u062a\u0643\u0644\u0641\u0629 \u0639\u0644\u0649 \u0627\u0644\u0645\u062f\u0649 \u0627\u0644\u0637\u0648\u064a\u0644. \u064a\u0646\u0635\u062d \u0628\u0627\u0644\u0627\u0633\u062a\u062b\u0645\u0627\u0631 \u0641\u064a \u0645\u0646\u062a\u062c\u0627\u062a \u0639\u0627\u0644\u064a\u0629 \u0627\u0644\u062c\u0648\u062f\u0629 \u0648\u062f\u0627\u0626\u0645\u0629 \u0648\u0627\u0644\u0635\u064a\u0627\u0646\u0629 \u0627\u0644\u062c\u064a\u062f\u0629 \u0644\u0647\u0627. \u062a\u0645\u062a\u062f \u0647\u0630\u0647 \u0627\u0644\u0641\u0644\u0633\u0641\u0629 \u0625\u0644\u0649 \u0627\u0633\u062a\u062b\u0645\u0627\u0631\u0627\u062a\u0647 \u0627\u0644\u0645\u0627\u0644\u064a\u0629.<\/p>\n\n\n\n<blockquote class=\"wp-block-quote is-layout-flow wp-block-quote-is-layout-flow\">\n<p>\u0627\u0642\u0631\u0623 \u0627\u0644\u0645\u0632\u064a\u062f: <a href=\"https:\/\/otetmarkets.net\/blog\/articles\/%d9%86%d8%b5%d8%a7%d8%a6%d8%ad-%d9%81%d9%8a-%d8%a7%d9%84%d8%b9%d9%85%d9%84%d8%a7%d8%aa-%d8%a7%d9%84%d9%85%d8%b4%d9%81%d8%b1%d8%a9\/\" data-type=\"post\" data-id=\"2137\">\u0646\u0635\u0627\u0626\u062d \u0630\u0647\u0628\u064a\u0629 \u0644\u0644\u0628\u0642\u0627\u0621 \u0628\u0623\u0645\u0627\u0646 \u0641\u064a \u0633\u0648\u0642 \u0627\u0644\u0639\u0645\u0644\u0627\u062a \u0627\u0644\u0645\u0634\u0641\u0631\u0629<\/a><\/p>\n<\/blockquote>\n\n\n\n<h3 class=\"wp-block-heading\" id=\"\u062a\u0630\u0627\u0643\u0631-\u0627\u0644\u064a\u0627\u0646\u0635\u064a\u0628-\u0633\u0648\u0621-\u0641\u0647\u0645-\u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0627\u062a\"><strong>\u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u064a\u0627\u0646\u0635\u064a\u0628: \u0633\u0648\u0621 \u0641\u0647\u0645 \u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0627\u062a<\/strong><\/h3>\n\n\n\n<p>&#8220;\u0627\u0644\u0642\u0645\u0627\u0631 \u0648\u0627\u0644\u064a\u0627\u0646\u0635\u064a\u0628 \u0647\u0645\u0627 \u0636\u0631\u064a\u0628\u0629 \u0639\u0644\u0649 \u0627\u0644\u062c\u0647\u0644 \u0628\u0627\u0644\u0631\u064a\u0627\u0636\u064a\u0627\u062a.&#8221; \u2013 \u0648\u0627\u0631\u0646 \u0628\u0627\u0641\u064a\u062a<\/p>\n\n\n\n<p> \u064a\u0639\u062a\u0628\u0631 \u0628\u0627\u0641\u064a\u062a \u0627\u0644\u0642\u0645\u0627\u0631 \u0648\u0634\u0631\u0627\u0621 \u062a\u0630\u0627\u0643\u0631 \u0627\u0644\u064a\u0627\u0646\u0635\u064a\u0628 \u0625\u0647\u062f\u0627\u0631\u0627\u064b 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