{"id":17838,"date":"2026-09-07T15:19:25","date_gmt":"2026-09-07T12:19:25","guid":{"rendered":"https:\/\/www.dztecs.com\/money\/millennials-and-money\/"},"modified":"2026-09-07T15:54:29","modified_gmt":"2026-09-07T12:54:29","slug":"millennials-and-money","status":"publish","type":"post","link":"https:\/\/www.dztecs.com\/money\/millennials-and-money\/","title":{"rendered":"\u062f\u0631\u0627\u0633\u0629: \u0645\u0635\u0627\u062f\u0631 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627","gt_translate_keys":[{"key":"rendered","format":"text"}]},"content":{"rendered":"<div class=\"vfocused-takeaways-box\">\n<h4 class=\"vfocused-takeaways-title\"><span class=\"vfocused-takeaways-icon\" aria-hidden=\"true\">\ud83d\udca1<\/span> \u0623\u0647\u0645 \u0645\u0627 \u062a\u062d\u062a\u0627\u062c \u0625\u0644\u0649 \u0645\u0639\u0631\u0641\u062a\u0647<\/h4>\n<ul class=\"vfocused-takeaways-list\">\n<li>\u064a\u0639\u062a\u0645\u062f \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0630\u064a \u064a\u0646\u0634\u0626\u0647 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 (33%) \u0648\u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621 (39%) \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a\u060c \u0645\u0645\u0627 \u064a\u0645\u064a\u0632\u0647\u0645 \u0639\u0646 \u0627\u0644\u0623\u062c\u064a\u0627\u0644 \u0627\u0644\u0623\u0643\u0628\u0631 \u0633\u0646\u064b\u0627.<\/li>\n<li>\u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u0627\u0647\u0645 \u062b\u0644\u062b\u0627 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 (67%) \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u0641\u0625\u0646 39% \u0641\u0642\u0637 \u0645\u0646\u0647\u0645 \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u0630\u0644\u0643 \u0628\u0627\u0646\u062a\u0638\u0627\u0645\u060c \u0645\u0645\u0627 \u064a\u0634\u064a\u0631 \u0625\u0644\u0649 \u0641\u062c\u0648\u0629 \u0641\u064a \u0627\u0644\u0627\u0644\u062a\u0632\u0627\u0645 \u0627\u0644\u0645\u0627\u0644\u064a \u0637\u0648\u064a\u0644 \u0627\u0644\u0623\u0645\u062f.<\/li>\n<li>\u064a\u0638\u0647\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u062a\u0628\u0627\u064a\u0646\u0627\u062a \u062f\u0627\u062e\u0644\u064a\u0629\u061b \u0641\u0627\u0644\u0643\u0628\u0627\u0631 \u0645\u0646\u0647\u0645 \u064a\u0641\u0636\u0644\u0648\u0646 \u0646\u0635\u0627\u0626\u062d \u0627\u0644\u0639\u0627\u0626\u0644\u0629 (53%)\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u062a\u062c\u0647 \u0627\u0644\u0635\u063a\u0627\u0631 \u0623\u0643\u062b\u0631 \u0644\u0644\u0645\u0633\u062a\u0634\u0627\u0631\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 \u0627\u0644\u0645\u0633\u062a\u0642\u0644\u064a\u0646 (29%) \u0648\u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a (24%) \u0644\u0644\u062a\u0639\u0644\u0645 \u0627\u0644\u0645\u0627\u0644\u064a.<\/li>\n<\/ul>\n<\/div>\n<nav class=\"vfocused-toc-box\" aria-label=\"\u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a\"><strong class=\"vfocused-toc-title\">\ud83d\udccc \u062c\u062f\u0648\u0644 \u0627\u0644\u0645\u062d\u062a\u0648\u064a\u0627\u062a<\/strong><\/p>\n<ul class=\"vfocused-toc-list\">\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-1\">\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-2\">\u0644\u0645\u0627\u0630\u0627 \u064a\u0647\u0645 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629\u061f<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-3\">\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u0641\u0636\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-4\">\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0627\u0644\u0623\u0643\u0628\u0631 \u0633\u0646\u064b\u0627 \u0623\u0643\u062b\u0631 \u0627\u0647\u062a\u0645\u0627\u0645\u064b\u0627 \u0628\u0646\u0635\u0627\u0626\u062d \u0627\u0644\u0639\u0627\u0626\u0644\u0629\u060c \u0648\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0627\u0644\u0623\u0635\u063a\u0631 \u0633\u0646\u064b\u0627 \u0628\u0627\u0644\u0627\u0633\u062a\u0639\u0627\u0646\u0629 \u0628\u0627\u0644\u0645\u0633\u0627\u0639\u062f\u0629 \u0627\u0644\u0645\u062f\u0641\u0648\u0639\u0629<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-5\">\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0627\u0644\u0623\u0635\u063a\u0631 \u0633\u0646\u064b\u0627 \u0641\u064a \u0637\u0644\u064a\u0639\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0627\u0644\u0630\u0643\u0627\u0621 \u0627\u0644\u0627\u0635\u0637\u0646\u0627\u0639\u064a<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-6\">\u0643\u064a\u0641\u064a\u0629 \u0627\u0644\u0627\u0633\u062a\u0641\u0627\u062f\u0629 \u0645\u0646 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a<\/a><\/li>\n<li class=\"vfocused-toc-item\"><a class=\"vfocused-toc-link\" href=\"#section-7\">\u0627\u0644\u0645\u0646\u0647\u062c\u064a\u0629<\/a><\/li>\n<\/ul>\n<\/nav>\n<p>\u064a\u062a\u0645\u064a\u0632 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u0628\u0639\u0636 \u0627\u0644\u0633\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0648\u0627\u0636\u062d\u0629\u060c \u0648\u0641\u0642\u064b\u0627 \u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u062c\u062f\u064a\u062f \u0623\u062c\u0631\u062a\u0647 DzTecnium. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u064a\u064f\u0638\u0647\u0631\u0648\u0646 \u0627\u0633\u062a\u0639\u062f\u0627\u062f\u064b\u0627 \u0623\u0643\u0628\u0631 \u0644\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621 \u0648\u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0630\u064a \u064a\u0646\u0634\u0626\u0647 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 <a href=\"https:\/\/www.dztecs.com\/money\/50-30-20-budgeting-method\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0645\u0627\u0644\u064a\u0629<\/a>. \u062a\u0648\u062c\u062f \u0623\u064a\u0636\u064b\u0627 \u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0645\u0644\u062d\u0648\u0638\u0629 \u062f\u0627\u062e\u0644 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0646\u0641\u0633\u0647\u060c \u0648\u0647\u0648 \u0623\u0643\u0628\u0631 \u0645\u062c\u0645\u0648\u0639\u0629 \u0633\u0643\u0627\u0646\u064a\u0629 \u0641\u064a \u0627\u0644\u0628\u0644\u0627\u062f. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u064a\u0644\u062c\u0623 \u0639\u062f\u062f \u0623\u0643\u0628\u0631 \u0645\u0646 \u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 (\u0627\u0644\u0630\u064a\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 38 \u064845 \u0639\u0627\u0645\u064b\u0627) \u0625\u0644\u0649 \u0627\u0644\u0639\u0627\u0626\u0644\u0629 \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0635\u063a\u0627\u0631\u0647\u0645 (\u0627\u0644\u0630\u064a\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 30 \u064837 \u0639\u0627\u0645\u064b\u0627) \u2014 \u0628\u0646\u0633\u0628\u0629 53% \u064841% \u0639\u0644\u0649 \u0627\u0644\u062a\u0648\u0627\u0644\u064a. \u0645\u0639 \u0625\u0641\u0627\u062f\u0629 77% \u0645\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u0623\u0646\u0647\u0645 \u064a\u0634\u0639\u0631\u0648\u0646 \u0628\u0627\u0644\u062b\u0642\u0629 \u0641\u064a \u0645\u0639\u0631\u0641\u062a\u0647\u0645 \u0628\u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a\u060c \u0627\u0633\u062a\u0643\u0634\u0641\u0646\u0627 \u0645\u0646 \u0623\u064a\u0646 \u064a\u062d\u0635\u0644\u0648\u0646 \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0647\u0645 \u0648\u0643\u064a\u0641 \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646\u0647\u0627. \u064a\u064f\u0638\u0647\u0631 \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639\u060c \u0627\u0644\u0630\u064a \u0623\u062c\u0631\u062a\u0647 The Harris Poll \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0641\u064a \u064a\u0648\u0644\u064a\u0648 2026 \u2014 \u0648\u0634\u0645\u0644 2,089 \u0628\u0627\u0644\u063a\u064b\u0627\u060c \u0645\u0646\u0647\u0645 553 \u0645\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u2014 \u0645\u0627 \u064a\u0645\u064a\u0632 \u0647\u0630\u0627 \u0627\u0644\u062c\u064a\u0644.<\/p>\n<h2 id=\"section-1\">\u0627\u0644\u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629<\/h2>\n<ul>\n<li><strong>\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u0639\u062a\u0645\u062f \u0639\u0644\u0649 \u0635\u0627\u0646\u0639\u064a \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0644\u0644\u0645\u0639\u0631\u0641\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629<\/strong>: \u062b\u0644\u062b \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 (33%) \u064a\u0633\u062a\u062e\u062f\u0645\u0648\u0646 \u0639\u0627\u062f\u0629\u064b \u0627\u0644\u0645\u062d\u062a\u0648\u0649 \u0627\u0644\u0630\u064a \u064a\u0646\u0634\u0626\u0647 \u0627\u0644\u0645\u0633\u062a\u062e\u062f\u0645\u0648\u0646 (\u0645\u062b\u0644 YouTube \u0648TikTok \u0648Instagram) \u0644\u0644\u062a\u0639\u0631\u0641 \u0639\u0644\u0649 <a href=\"https:\/\/www.dztecs.com\/money\/be-disciplined-about-money\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a<\/a>\u060c \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0640 49% \u0645\u0646 \u062c\u064a\u0644 Zers\u060c \u064817% \u0645\u0646 \u062c\u064a\u0644 Xers\u060c \u06488% \u0645\u0646 \u062c\u064a\u0644 \u0637\u0641\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0644\u064a\u062f.<\/li>\n<li><strong>\u0627\u0644\u0643\u062b\u064a\u0631\u0648\u0646 \u064a\u062f\u062e\u0631\u0648\u0646 \u0644\u0644\u0646\u0641\u0642\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0645\u062a\u0648\u0642\u0639\u0629<\/strong>: \u064a\u0633\u0627\u0647\u0645 \u062b\u0644\u062b\u0627 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 (67%) \u0641\u064a <a href=\"https:\/\/www.dztecs.com\/money\/percentage-of-income-should-you-save-every-month\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626<\/a>\u060c \u0644\u0643\u0646 39% \u0641\u0642\u0637 \u064a\u0641\u0639\u0644\u0648\u0646 \u0630\u0644\u0643 \u0628\u0627\u0646\u062a\u0638\u0627\u0645.<\/li>\n<li><strong>\u0644\u064a\u0633 \u0627\u0644\u062c\u0645\u064a\u0639 \u064a\u0634\u0639\u0631\u0648\u0646 \u0628\u0642\u0648\u0629 \u0628\u0627\u0644\u062a\u062d\u0643\u0645 \u0641\u064a \u0623\u0645\u0648\u0627\u0644\u0647\u0645<\/strong>: \u0635\u063a\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0623\u0643\u062b\u0631 \u0639\u0631\u0636\u0629 \u0644\u0644\u0645\u0648\u0627\u0641\u0642\u0629 \u0628\u0642\u0648\u0629 \u0639\u0644\u0649 \u0623\u0646\u0647\u0645 \u064a\u062a\u062d\u0643\u0645\u0648\u0646 \u0641\u064a \u0634\u0624\u0648\u0646\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629\u060c \u0628\u0646\u0633\u0628\u0629 41% \u0645\u0642\u0627\u0628\u0644 29%.<\/li>\n<\/ul>\n<p>\u0645\u0644\u0627\u062d\u0638\u0629: \u064a\u064f\u0639\u0631\u0651\u0641 \u0627\u0633\u062a\u0637\u0644\u0627\u0639\u0646\u0627 \u062c\u064a\u0644 Zers \u0639\u0644\u0649 \u0623\u0646\u0647\u0645 \u0627\u0644\u0630\u064a\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 18 \u064829 \u0639\u0627\u0645\u064b\u0627\u061b \u0648\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u064a\u0646 30 \u064845 \u0639\u0627\u0645\u064b\u0627 (\u0635\u063a\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629\u060c \u0628\u064a\u0646 30 \u064837 \u0639\u0627\u0645\u064b\u0627\u060c \u0648\u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629\u060c \u0628\u064a\u0646 38 \u064845 \u0639\u0627\u0645\u064b\u0627)\u061b \u0648\u062c\u064a\u0644 Xers \u0628\u064a\u0646 46 \u064861 \u0639\u0627\u0645\u064b\u0627\u061b \u0648\u062c\u064a\u0644 \u0637\u0641\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0644\u064a\u062f \u0628\u064a\u0646 62 \u064880 \u0639\u0627\u0645\u064b\u0627.<\/p>\n<p><img loading=\"lazy\" decoding=\"async\" class=\"aligncenter size-large wp-image-featured-og\" src=\"https:\/\/www.dztecs.com\/money\/wp-content\/uploads\/sites\/11\/2026\/09\/GettyImages-1338208010-1.jpg\" alt=\"\u062f\u0631\u0627\u0633\u0629: \u0645\u0635\u0627\u062f\u0631 \u0645\u0639\u0644\u0648\u0645\u0627\u062a \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0648\u0643\u064a\u0641\u064a\u0629 \u0627\u0633\u062a\u062e\u062f\u0627\u0645\u0647\u0627\" width=\"1920\" height=\"1152\" \/><\/p>\n<h2 id=\"section-2\">\u0644\u0645\u0627\u0630\u0627 \u064a\u0647\u0645 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629\u061f<\/h2>\n<p>\u064a\u064f\u0639\u062f \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0623\u0643\u0628\u0631 \u062c\u064a\u0644 \u0641\u064a \u0627\u0644\u0628\u0644\u0627\u062f \u0645\u0646\u0630 \u0639\u0627\u0645 2020. \u064a\u062a\u0643\u0648\u0646 \u0647\u0630\u0627 \u0627\u0644\u062c\u064a\u0644 \u0645\u0646 \u0627\u0644\u0623\u0641\u0631\u0627\u062f \u0627\u0644\u0630\u064a\u0646 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 30 \u064845 \u0639\u0627\u0645\u064b\u0627\u060c \u0648\u0647\u0645 \u064a\u062f\u062e\u0644\u0648\u0646 \u0633\u0646\u0648\u0627\u062a \u0630\u0631\u0648\u0629 \u0643\u0633\u0628\u0647\u0645\u060c \u0643\u0645\u0627 \u0623\u0646 \u0627\u0644\u0639\u062f\u064a\u062f \u0645\u0646\u0647\u0645 \u0641\u064a \u0633\u0646\u0648\u0627\u062a \u0627\u0644\u0623\u0628\u0648\u0629 \u0648\u0627\u0644\u0623\u0645\u0648\u0645\u0629 \u0627\u0644\u0631\u0626\u064a\u0633\u064a\u0629. \u0628\u0639\u0628\u0627\u0631\u0629 \u0623\u062e\u0631\u0649\u060c \u062a\u062a\u062f\u0641\u0642 \u0627\u0644\u0623\u0645\u0648\u0627\u0644 \u062f\u0627\u062e\u0644 \u0648\u062e\u0627\u0631\u062c \u062d\u064a\u0627\u062a\u0647\u0645 \u0628\u0648\u062a\u064a\u0631\u0629 \u0623\u0633\u0631\u0639 \u0645\u0646 \u0623\u064a \u0648\u0642\u062a \u0645\u0636\u0649.\u0644\u0643\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0623\u0628\u0639\u062f \u0645\u0627 \u064a\u0643\u0648\u0646 \u0639\u0646 \u0643\u0648\u0646\u0647 \u0645\u062c\u0645\u0648\u0639\u0629 \u0645\u062a\u062c\u0627\u0646\u0633\u0629. \u0643\u0627\u0646 \u0628\u0639\u0636 \u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u062a\u0639\u0644\u0645\u0648\u0646 \u0627\u0644\u0642\u064a\u0627\u062f\u0629 \u0628\u064a\u0646\u0645\u0627 \u0643\u0627\u0646 \u0635\u063a\u0627\u0631\u0647\u0645 \u0644\u0627 \u064a\u0632\u0627\u0644\u0648\u0646 \u0641\u064a \u0627\u0644\u062d\u0641\u0627\u0636\u0627\u062a. \u0644\u0642\u062f \u062d\u0638\u064a \u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u0633\u0646\u0648\u0627\u062a \u0623\u0643\u062b\u0631 \u0644\u062a\u062c\u0645\u064a\u0639 <a href=\"https:\/\/www.dztecs.com\/money\/start-investing-with-little-money\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0627\u0644\u062b\u0631\u0648\u0629<\/a> \u0648\u0627\u0644\u062e\u0628\u0631\u0629\u060c \u0645\u0645\u0627 \u0642\u062f \u064a\u0641\u0633\u0631 \u0628\u0639\u0636 \u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u0627\u062a \u0627\u0644\u0645\u062a\u0639\u0644\u0642\u0629 \u0628\u0627\u0644\u0645\u0627\u0644 \u0628\u064a\u0646 \u0647\u0627\u062a\u064a\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u062a\u064a\u0646. \u0639\u0644\u0649 \u0633\u0628\u064a\u0644 \u0627\u0644\u0645\u062b\u0627\u0644\u060c \u062a\u0632\u062f\u0627\u062f \u0627\u062d\u062a\u0645\u0627\u0644\u064a\u0629 \u0627\u0645\u062a\u0644\u0627\u0643 \u0643\u0628\u0627\u0631 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0644\u0645\u0646\u0627\u0632\u0644\u0647\u0645 (65%) \u0645\u0642\u0627\u0631\u0646\u0629 \u0628\u0635\u063a\u0627\u0631\u0647\u0645 (51%). \u062a\u0638\u0647\u0631 \u0647\u0630\u0647 \u0627\u0644\u0641\u0631\u0648\u0642 \u0627\u0644\u062f\u0642\u064a\u0642\u0629\u060c \u0627\u0644\u062a\u064a \u062a\u062c\u0645\u0639 \u0628\u064a\u0646 \u0627\u0644\u062a\u0634\u0627\u0628\u0647 \u0648\u0627\u0644\u0627\u062e\u062a\u0644\u0627\u0641\u060c \u0628\u0648\u0636\u0648\u062d \u0641\u064a \u0646\u062a\u0627\u0626\u062c \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639.<\/p>\n<h2 id=\"section-3\">\u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u0641\u0636\u0644 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u063a\u064a\u0631 \u0627\u0644\u0631\u0633\u0645\u064a\u0629<\/h2>\n<p>\u0625\u062d\u062f\u0649 \u0627\u0644\u0633\u0645\u0627\u062a \u0627\u0644\u0645\u0634\u062a\u0631\u0643\u0629 \u0628\u064a\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u0628\u062c\u0645\u064a\u0639 \u0641\u0626\u0627\u062a\u0647 \u0627\u0644\u0639\u0645\u0631\u064a\u0629 \u0647\u064a \u0627\u0644\u0627\u0633\u062a\u0639\u062f\u0627\u062f \u0644\u0644\u062d\u0635\u0648\u0644 \u0639\u0644\u0649 \u0645\u0639\u0644\u0648\u0645\u0627\u062a\u0647\u0645 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0645\u0646 \u0642\u0646\u0648\u0627\u062a \u063a\u064a\u0631 \u0631\u0633\u0645\u064a\u0629. \u0648\u0647\u0630\u0627 \u064a\u0645\u062b\u0644 \u0627\u062e\u062a\u0644\u0627\u0641\u064b\u0627 \u0639\u0646 \u0627\u0644\u0623\u0633\u0627\u0644\u064a\u0628 \u0627\u0644\u062a\u064a \u0627\u062a\u0628\u0639\u0647\u0627 \u062c\u064a\u0644 \u0625\u0643\u0633 \u0627\u0644\u0623\u0643\u0628\u0631 \u0633\u0646\u064b\u0627 \u0648\u062c\u064a\u0644 \u0637\u0641\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0644\u064a\u062f\u060c \u0648\u0646\u0645\u0648\u0630\u062c\u064b\u0627 \u0633\u0627\u0631 \u0639\u0644\u0649 \u0646\u0647\u062c\u0647 \u0627\u0644\u0643\u062b\u064a\u0631\u0648\u0646 \u0645\u0646 \u0627\u0644\u062c\u064a\u0644 Z.\u064a\u062a\u0639\u0644\u0645 \u0645\u0627 \u064a\u0642\u0631\u0628 \u0645\u0646 \u0627\u062b\u0646\u064a\u0646 \u0645\u0646 \u0643\u0644 \u062e\u0645\u0633\u0629 \u0623\u0641\u0631\u0627\u062f \u0645\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 (39%) \u0639\u0646 \u0645\u0648\u0627\u0636\u064a\u0639 \u0627\u0644\u062a\u0645\u0648\u064a\u0644 \u0627\u0644\u0634\u062e\u0635\u064a \u0645\u0646 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621. \u0648\u0647\u0630\u0647 \u0627\u0644\u0646\u0633\u0628\u0629 \u0645\u0634\u0627\u0628\u0647\u0629 \u0644\u062c\u064a\u0644 Z (45%)\u060c \u0648\u0623\u0639\u0644\u0649 \u0645\u0646 \u062c\u064a\u0644 \u0625\u0643\u0633 (32%) \u0648\u062c\u064a\u0644 \u0637\u0641\u0631\u0629 \u0627\u0644\u0645\u0648\u0627\u0644\u064a\u062f (22%).<\/p>\n<p>\u0646\u0642\u0637\u0629 \u0645\u0647\u0645\u0629: \u0627\u0644\u062a\u0639\u0644\u0645 \u0645\u0646 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621 \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0624\u062f\u064a \u0625\u0644\u0649 \u0623\u0641\u0643\u0627\u0631 \u062c\u062f\u064a\u062f\u0629 \u0648\u0632\u064a\u0627\u062f\u0629 \u0641\u064a \u0627\u0644\u062f\u0627\u0641\u0639. \u0628\u0627\u0644\u0625\u0636\u0627\u0641\u0629 \u0625\u0644\u0649 \u0630\u0644\u0643\u060c \u063a\u0627\u0644\u0628\u064b\u0627 \u0645\u0627 \u064a\u0643\u0648\u0646 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621 \u0628\u0645\u062b\u0627\u0628\u0629 \u0645\u0631\u062c\u0639 \u064a\u0636\u0639 \u0645\u0635\u0644\u062d\u062a\u0643 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0628\u0627\u0631. \u0644\u0643\u0646 \u0647\u0630\u0647 \u0627\u0644\u0635\u0641\u0627\u062a \u0644\u0627 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\u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u064a\u0648\u0645\u064a\u0629 \u062a\u062d\u062a \u0627\u0644\u0633\u064a\u0637\u0631\u0629 \u0628\u0634\u0643\u0644 \u0639\u0627\u0645\u060c \u0642\u062f \u062a\u062a\u0637\u0644\u0628 \u0627\u0644\u0627\u062d\u062a\u064a\u0627\u062c\u0627\u062a \u0637\u0648\u064a\u0644\u0629 \u0627\u0644\u0623\u062c\u0644 \u0645\u0632\u064a\u062f\u064b\u0627 \u0645\u0646 \u0627\u0644\u0627\u0647\u062a\u0645\u0627\u0645.<\/p>\n<p>\u064a\u064f\u0638\u0647\u0631 \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0623\u0646 \u063a\u0627\u0644\u0628\u064a\u0629 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u0633\u0627\u0647\u0645\u0648\u0646 \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 (67%) \u0648\u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629 (62%)\u060c \u0628\u064a\u0646\u0645\u0627 \u064a\u0633\u0627\u0647\u0645 48% \u0645\u0646\u0647\u0645 \u0641\u064a \u062d\u0633\u0627\u0628 IRA \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0623\u0648 Roth IRA.\u0647\u0630\u0647 \u0623\u062e\u0628\u0627\u0631 \u0631\u0627\u0626\u0639\u0629\u060c \u0644\u0643\u0646 \u0639\u062f\u062f\u064b\u0627 \u0623\u0642\u0644 \u0628\u0643\u062b\u064a\u0631 \u064a\u0642\u0648\u0645\u0648\u0646 \u0628\u0645\u0633\u0627\u0647\u0645\u0627\u062a \u0645\u0646\u062a\u0638\u0645\u0629: 39% \u0645\u0646 \u062c\u064a\u0644 \u0627\u0644\u0623\u0644\u0641\u064a\u0629 \u064a\u0633\u0627\u0647\u0645\u0648\u0646 \u0628\u0627\u0646\u062a\u0638\u0627\u0645 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626\u060c \u0648 42% \u0641\u064a \u0635\u0646\u0627\u062f\u064a\u0642 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u0627\u0644\u0648\u0638\u064a\u0641\u064a\u0629\u060c \u0648 33% \u0641\u064a \u062d\u0633\u0627\u0628 IRA \u0627\u0644\u062a\u0642\u0644\u064a\u062f\u064a \u0623\u0648 Roth IRA.<\/p>\n<p><strong>\u0627\u0644\u062e\u0644\u0627\u0635\u0629:<\/strong> \u064a\u064f\u0639\u062f \u0641\u062a\u062d \u062d\u0633\u0627\u0628 \u0648\u062a\u0642\u062f\u064a\u0645 \u0645\u0633\u0627\u0647\u0645\u0629 \u0641\u064a \u0635\u0646\u062f\u0648\u0642 \u0627\u0644\u0637\u0648\u0627\u0631\u0626 \u0623\u0648 \u0627\u0644\u062a\u0642\u0627\u0639\u062f \u062e\u0637\u0648\u0629 \u0623\u0648\u0644\u0649 \u0645\u0645\u062a\u0627\u0632\u0629. \u0644\u0643\u0646 <a href=\"https:\/\/www.dztecs.com\/money\/funding-lifes-biggest-investments\/\" target=\"_blank\" rel=\"noopener noreferrer\">\u0628\u0646\u0627\u0621 \u0627\u0644\u062b\u0631\u0648\u0629<\/a> \u0639\u0645\u0644\u064a\u0629 \u0645\u0633\u062a\u0645\u0631\u0629. \u0648\u0623\u0641\u0636\u0644 \u0637\u0631\u064a\u0642\u0629 \u0644\u0636\u0645\u0627\u0646 \u0627\u0633\u062a\u0645\u0631\u0627\u0631 \u0646\u0645\u0648 \u0647\u0630\u0647 \u0627\u0644\u062d\u0633\u0627\u0628\u0627\u062a \u0647\u064a \u0623\u062a\u0645\u062a\u0629 \u0627\u0644\u0645\u0633\u0627\u0647\u0645\u0627\u062a. \u064a\u0642\u0648\u0644 \u0628\u0627\u0644\u0645\u0631: &#8220;\u0641\u064a \u0646\u0647\u0627\u064a\u0629 \u0627\u0644\u0645\u0637\u0627\u0641\u060c \u0644\u0627 \u064a\u0645\u0643\u0646 \u0644\u0644\u0645\u0634\u0648\u0631\u0629 \u0627\u0644\u0645\u0627\u0644\u064a\u0629 \u0627\u0644\u0645\u0633\u062a\u0642\u0627\u0629 \u0645\u0646 \u0627\u0644\u062c\u0645\u0647\u0648\u0631 \u0623\u0646 \u062a\u0648\u0635\u0644\u0643 \u0628\u0639\u064a\u062f\u064b\u0627 \u062c\u062f\u064b\u0627. \u064a\u0645\u0643\u0646\u0647\u0627 \u0623\u0646 \u062a\u0648\u0641\u0631 \u062a\u0630\u0643\u064a\u0631\u0627\u062a \u0648\u0625\u0644\u0647\u0627\u0645\u064b\u0627 \u0648\u0631\u0624\u0649\u060c \u0648\u0644\u0643\u0646 \u0628\u0645\u0627 \u0623\u0646 \u0627\u0644\u0648\u0636\u0639 \u0627\u0644\u0645\u0627\u0644\u064a \u0644\u0643\u0644 \u0634\u062e\u0635 \u0645\u062e\u062a\u0644\u0641\u060c \u0641\u0647\u0646\u0627\u0643 \u0623\u064a\u0636\u064b\u0627 \u062e\u0637\u0631 \u0641\u064a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0628\u0634\u0643\u0644 \u0643\u0628\u064a\u0631 \u0639\u0644\u0649 \u0622\u0631\u0627\u0621 \u0627\u0644\u0622\u062e\u0631\u064a\u0646. \u0641\u064a \u0627\u0644\u0646\u0647\u0627\u064a\u0629\u060c \u064a\u0645\u0643\u0646 \u0623\u0646 \u064a\u0645\u0646\u062d\u0643 \u0627\u0644\u0646\u0647\u062c \u0627\u0644\u0647\u062c\u064a\u0646 \u0627\u0644\u0630\u064a \u062a\u0633\u062a\u0645\u062f \u0641\u064a\u0647 \u0627\u0644\u0631\u0624\u0649 \u0645\u0646 \u0648\u0633\u0627\u0626\u0644 \u0627\u0644\u062a\u0648\u0627\u0635\u0644 \u0627\u0644\u0627\u062c\u062a\u0645\u0627\u0639\u064a \u0645\u0639 \u0627\u0633\u062a\u0634\u0627\u0631\u0629 \u0627\u0644\u0623\u0635\u062f\u0642\u0627\u0621 \u0648\u0627\u0644\u0639\u0627\u0626\u0644\u0629 \u0648\u0627\u0644\u0645\u0647\u0646\u064a\u064a\u0646 \u0627\u0644\u0645\u0627\u0644\u064a\u064a\u0646 \u0645\u0646\u0638\u0648\u0631\u064b\u0627 \u0623\u0643\u062b\u0631 \u062a\u0648\u0627\u0632\u0646\u064b\u0627.&#8221;<\/p>\n<h2 id=\"section-7\">\u0627\u0644\u0645\u0646\u0647\u062c\u064a\u0629<\/h2>\n<p>\u0623\u064f\u062c\u0631\u064a \u0647\u0630\u0627 \u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639 \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u062f\u0627\u062e\u0644 \u0627\u0644\u0648\u0644\u0627\u064a\u0627\u062a \u0627\u0644\u0645\u062a\u062d\u062f\u0629 \u0628\u0648\u0627\u0633\u0637\u0629 The Harris Poll \u0646\u064a\u0627\u0628\u0629 \u0639\u0646 DzTecnium \u0641\u064a \u0627\u0644\u0641\u062a\u0631\u0629 \u0645\u0646 7 \u0625\u0644\u0649 9 \u064a\u0648\u0644\u064a\u0648 2026\u060c \u0648\u0634\u0645\u0644 2,089 \u0628\u0627\u0644\u063a\u064b\u0627 \u0623\u0645\u0631\u064a\u0643\u064a\u064b\u0627 \u062a\u062a\u0631\u0627\u0648\u062d \u0623\u0639\u0645\u0627\u0631\u0647\u0645 \u0628\u064a\u0646 18 \u0639\u0627\u0645\u064b\u0627 \u0641\u0645\u0627 \u0641\u0648\u0642. \u062a\u064f\u0642\u0627\u0633 \u062f\u0642\u0629 \u0623\u062e\u0630 \u0627\u0644\u0639\u064a\u0646\u0627\u062a \u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639\u0627\u062a Harris \u0639\u0628\u0631 \u0627\u0644\u0625\u0646\u062a\u0631\u0646\u062a \u0628\u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0641\u062a\u0631\u0629 \u0628\u0627\u064a\u0632\u064a\u0629 \u0645\u0648\u062b\u0648\u0642\u0629 (Bayesian credible interval).<\/p>\n<p>\u0644\u0647\u0630\u0647 \u0627\u0644\u062f\u0631\u0627\u0633\u0629\u060c \u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u0639\u064a\u0646\u0629 \u062f\u0642\u064a\u0642\u0629 \u0636\u0645\u0646 \u0647\u0627\u0645\u0634 \u062e\u0637\u0623 +\/- 2.7 \u0646\u0642\u0637\u0629 \u0645\u0626\u0648\u064a\u0629 \u0628\u0645\u0633\u062a\u0648\u0649 \u062b\u0642\u0629 95%. \u0633\u062a\u0643\u0648\u0646 \u0647\u0630\u0647 \u0627\u0644\u0641\u062a\u0631\u0629 \u0627\u0644\u0645\u0648\u062b\u0648\u0642\u0629 \u0623\u0648\u0633\u0639 \u0628\u064a\u0646 \u0627\u0644\u0645\u062c\u0645\u0648\u0639\u0627\u062a \u0627\u0644\u0641\u0631\u0639\u064a\u0629 \u0645\u0646 \u0627\u0644\u0633\u0643\u0627\u0646 \u0627\u0644\u0645\u0633\u062a\u0647\u062f\u0641\u064a\u0646 \u0628\u0627\u0644\u0627\u0633\u062a\u0637\u0644\u0627\u0639.<\/p>\n<p><strong>\u0625\u062e\u0644\u0627\u0621 \u0645\u0633\u0624\u0648\u0644\u064a\u0629<\/strong><\/p>\n<p>\u062a\u064f\u062e\u0644\u064a DzTecnium \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0647\u0627\u060c \u0635\u0631\u0627\u062d\u0629\u064b \u0648\u0636\u0645\u0646\u064a\u064b\u0627\u060c \u0639\u0646 \u062c\u0645\u064a\u0639 \u0627\u0644\u0636\u0645\u0627\u0646\u0627\u062a \u0645\u0646 \u0623\u064a \u0646\u0648\u0639\u060c \u0628\u0645\u0627 \u0641\u064a \u0630\u0644\u0643 \u0636\u0645\u0627\u0646\u0627\u062a \u0627\u0644\u0642\u0627\u0628\u0644\u064a\u0629 \u0644\u0644\u062a\u0633\u0648\u064a\u0642 \u0648\u0627\u0644\u0645\u0644\u0627\u0621\u0645\u0629 \u0644\u063a\u0631\u0636 \u0645\u0639\u064a\u0646\u060c \u0623\u0648 \u0645\u0627 \u0625\u0630\u0627 \u0643\u0627\u0646\u062a \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0627\u0644\u0648\u0627\u0631\u062f\u0629 \u0641\u064a \u0627\u0644\u0645\u0642\u0627\u0644 \u062f\u0642\u064a\u0642\u0629 \u0623\u0648 \u0645\u0648\u062b\u0648\u0642\u0629 \u0623\u0648 \u062e\u0627\u0644\u064a\u0629 \u0645\u0646 \u0627\u0644\u0623\u062e\u0637\u0627\u0621. \u0627\u0633\u062a\u062e\u062f\u0627\u0645 \u0647\u0630\u0647 \u0627\u0644\u0645\u0639\u0644\u0648\u0645\u0627\u062a \u0623\u0648 \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u064a\u0647\u0627 \u064a\u0643\u0648\u0646 \u0639\u0644\u0649 \u0645\u0633\u0624\u0648\u0644\u064a\u062a\u0643 \u0627\u0644\u062e\u0627\u0635\u0629\u060c \u0648\u0644\u0627 \u0646\u0636\u0645\u0646 \u0627\u0643\u062a\u0645\u0627\u0644\u0647\u0627 \u0623\u0648 \u062f\u0642\u062a\u0647\u0627. \u0644\u0627 \u064a\u0646\u0628\u063a\u064a \u0627\u0644\u0627\u0639\u062a\u0645\u0627\u062f \u0639\u0644\u0649 \u0645\u062d\u062a\u0648\u064a\u0627\u062a \u0647\u0630\u0627 \u0627\u0644\u0645\u0642\u0627\u0644 \u0623\u0648 \u0631\u0628\u0637\u0647\u0627 \u0628\u0627\u0644\u0623\u062f\u0627\u0621 \u0627\u0644\u0645\u0633\u062a\u0642\u0628\u0644\u064a \u0644\u0640 DzTecnium \u0623\u0648 \u0623\u064a \u0645\u0646 \u0627\u0644\u0634\u0631\u0643\u0627\u062a \u0627\u0644\u062a\u0627\u0628\u0639\u0629 \u0644\u0647\u0627 \u0623\u0648 \u0641\u0631\u0648\u0639\u0647\u0627. \u0627\u0644\u0628\u064a\u0627\u0646\u0627\u062a \u0627\u0644\u062a\u064a \u0644\u0627 \u062a\u0645\u062b\u0644 \u062d\u0642\u0627\u0626\u0642 \u062a\u0627\u0631\u064a\u062e\u064a\u0629 \u0647\u064a \u0628\u064a\u0627\u0646\u0627\u062a \u062a\u0637\u0644\u0639\u064a\u0629 \u062a\u0646\u0637\u0648\u064a \u0639\u0644\u0649 \u0645\u062e\u0627\u0637\u0631 \u0648\u0634\u0643\u0648\u0643\u060c \u0643\u0645\u0627 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