🌴 I’ve been living in Bali for 7 years
And I still remember the day I found out I could open a local bank account on a tourist visa
No paperwork, no business visa. All I needed was a local reference

🛵 I asked my motorbike rental guy to be my reference — and he gladly agreed
The bank managers came to me, all the way through Bali traffic, to the tourist zone
✨ I paid 10,000 rupiah (about $0,6 at the time, for a stamp on the contract)
💳 And that was it — card activated

😅 I was nervous. Thought: “What if it’s a scam?”
Transferred a bit, withdrew cash from the ATM — everything worked. It was a legit, licensed bank

😬 And then…

🌍 The pandemic hit. Sanctions. Card blocks
Russian cards stopped working abroad. Everyone rushed to open local accounts

⁉️ But by then, things had changed:
– Long queues and waiting lists — days or even weeks
– Intermediaries charging higher prices
– Official price jumped from 10,000 to 1,000,000 rupiah (over $60)
– And you now needed a business visa to get one

Ключевая мысль — доход это результат, а рабочий капитал его причина!

50% — обязательные расходы, 30% — желания, 20% — накопления

Адаптация под инвестиционный профиль выглядит иначе: сначала формируется поток в капитал, затем капитал начинает генерировать доход и только потом этот доход распределяется на жизнь и цели

«Выстрелы» почти всегда несут обратную сторону: повышенный риск, эмоциональные решения и нестабильность результата