{"id":167,"date":"2023-12-09T12:25:02","date_gmt":"2023-12-09T10:25:02","guid":{"rendered":"https:\/\/silviumarcu.ro\/blog\/?p=167"},"modified":"2026-04-16T21:49:39","modified_gmt":"2026-04-16T19:49:39","slug":"recesiunea-programatorilor-cum-sa-cresti-veniturile-cu-500-euro","status":"publish","type":"post","link":"https:\/\/silviumarcu.ro\/blog\/2023\/12\/09\/recesiunea-programatorilor-cum-sa-cresti-veniturile-cu-500-euro\/","title":{"rendered":"Recesiunea Programatorilor: Cum s\u0103 Cre\u0219ti Veniturile cu +500 Euro"},"content":{"rendered":"\r\n<figure class=\"wp-block-embed is-type-video is-provider-youtube wp-block-embed-youtube wp-embed-aspect-16-9 wp-has-aspect-ratio\">\r\n<div class=\"wp-block-embed__wrapper\"><br \/>\r\n<p><iframe loading=\"lazy\" title=\"Recesiunea Programatorilor: Cum s\u0103 Cre\u0219ti Veniturile cu +500 Euro\" width=\"720\" height=\"405\" src=\"https:\/\/www.youtube.com\/embed\/jDgeDzFn124?feature=oembed\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe><\/p>\r\n<\/div>\r\n<\/figure>\r\n<div>\u00a0<\/div>\r\n\r\n\r\n\r\n<p>Suntem \u00een plin\u0103 recesiune a programatorilor. \u00cen cei 25 de ani de c\u00e2nd sunt programator, este prima dat\u0103 c\u00e2nd m\u0103 confrunt cu o sc\u0103dere salarial\u0103.<\/p>\r\n\r\n\r\n\r\n<p>\u00cen acest material, vom explora dou\u0103 cauze directe ale problemelor noastre \u0219i \u00ee\u021bi propun tot dou\u0103 modalit\u0103\u021bi prin care po\u021bi prelua controlul asupra finan\u021belor tale. Cu un plan bine g\u00e2ndit \u0219i executat, po\u021bi s\u0103-\u021bi m\u0103re\u0219ti veniturile lunare \u00een mod constant \u0219i semnificativ.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-large-font-size\">Problema<\/p>\r\n\r\n\r\n\r\n<p>Din decembrie 2023, guvernul decide s\u0103 majoreze taxele pentru industria IT.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Se pare c\u0103 pu\u021bine firme vor putea compensa aceste taxe, ceea ce \u00eenseamn\u0103 c\u0103 mul\u021bi programatori din Rom\u00e2nia se vor confrunta cu o sc\u0103dere salarial\u0103 \u00een lunile urm\u0103toare. Probabil c\u0103 sc\u0103derea salarial\u0103 nu va fi semnificativ\u0103, dar din punct de vedere psihologic, este un factor descurajator. Pentru cei obi\u0219nui\u021bi cu cre\u0219teri constante ale salariului, aceast\u0103 schimbare poate fi sim\u021bit\u0103 precum o g\u0103leat\u0103 de ap\u0103 rece aruncat\u0103 \u00een fa\u021ba programatorului.<\/p>\r\n\r\n\r\n\r\n<p>Al doilea factor este economia global\u0103, care \u00eenc\u0103 se afl\u0103 \u00een recesiune. Clien\u021bii firmelor de IT nu \u00ee\u0219i mai deschid generos portofelele. Investitorii stau \u00eengrijora\u021bi pe margine \u0219i a\u0219teapt\u0103 ca lucrurile s\u0103 se mai stabilizeze. Se aud unele zvonuri c\u0103 recesiunea ar fi gata. Nu \u0219tiu care este adev\u0103rul, dar ceea ce v\u0103d este c\u0103 banii nu au \u00eenceput s\u0103 curg\u0103 ca \u00eenainte \u00een firmele de IT.<\/p>\r\n\r\n\r\n\r\n<p>Vedem c\u0103 ace\u0219ti doi factori negativi, cre\u0219terea taxelor \u0219i recesiunea global\u0103, ne afecteaz\u0103 direct pe noi, programatorii.<\/p>\r\n\r\n\r\n\r\n<p>Ce pot face eu, ca simplu programator, \u00een toat\u0103 furtuna aceasta din jurul meu?\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Prima reac\u021bie poate s\u0103 fie nemul\u021bumire, demotivare sau revolta, s\u0103 scoatem furcile \u0219i topoarele virtuale.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Dar dac\u0103 analizez mai profund situa\u021bia, \u00eemi dau seama c\u0103 pot influen\u021ba foarte pu\u021bin contextul exterior.<\/p>\r\n\r\n\r\n\r\n<p>A\u0219a c\u0103, \u00een loc s\u0103 o iau pe panta negativismului, vreau s\u0103 m\u0103 uit la ce pot schimba \u00een dreptul meu astfel \u00eenc\u00e2t s\u0103 ajung s\u0103-mi cresc venitul c\u00e2t mai mult \u0219i mai constant.<\/p>\r\n\r\n\r\n\r\n<p class=\"has-large-font-size\">Schimbarea 1: Dezvoltarea Mea<\/p>\r\n\r\n\r\n\r\n<p>Dac\u0103 te ui\u021bi la cei mai de succes oameni, vei auzi constant ideea c\u0103 investi\u021bia \u00een dezvoltarea ta este cea mai important\u0103. Dezvoltarea skillsurilor, a g\u00e2ndirii, a capacit\u0103\u021bii de a rezolva probleme tot mai complexe &#8211; poate s\u0103 sune ca un cli\u0219eu sau un c\u00e2rlig cu care vor ei s\u0103 te fac\u0103 s\u0103 le cumperi cursurile.<\/p>\r\n\r\n\r\n\r\n<p>Pentru a \u00een\u021belege practic dac\u0103 aceast\u0103 dezvoltare personal\u0103 constant\u0103 chiar aduce un beneficiu real, am desenat un grafic care, \u00een linii mari, reprezint\u0103 diferen\u021bele salariale \u00eentre diferitele niveluri de programatori.\u00a0<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"530\" class=\"wp-image-169\" src=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-1024x530.png\" alt=\"\" srcset=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-1024x530.png 1024w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-300x155.png 300w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-768x397.png 768w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-1536x795.png 1536w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/salary-diff-2048x1060.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n\r\n\r\n\r\n<p>Po\u021bi verifica exact unde te situezi tu cu <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/salar\/\" target=\"_blank\" rel=\"noopener\">calculatorul meu de salariu IT<\/a> \u2014 am date pentru Junior, Mid, Senior, Lead, pe tehnologii \u0219i ora\u0219e.<\/p>\r\n<p>Pornind de la cel mai novice programator p\u00e2n\u0103 la expertul din turnul de filde\u0219, vedem c\u0103 la fiecare treapt\u0103, diferen\u021bele pot s\u0103 fie semnificative.<\/p>\r\n\r\n\r\n\r\n<p>Aten\u021bie &#8211; valorile pe care le-am pus pe grafic nu sunt salarii, ci diferen\u021be estimative, care arat\u0103 cam cu c\u00e2t poate c\u00e2\u0219tiga un programator la nivelul urm\u0103tor fa\u021b\u0103 de cineva mai junior.<\/p>\r\n\r\n\r\n\r\n<p>Efortul de a te echipa pentru a ajunge la urm\u0103torul nivel, la urm\u0103toarea treapt\u0103 profesional\u0103, ar trebui s\u0103 aib\u0103 cel mai mare impact \u00een cre\u0219terea salarial\u0103.<\/p>\r\n<p>Ca s\u0103 vezi concret ce competen\u021be \u00ee\u021bi lipsesc pentru nivelul urm\u0103tor, am construit un <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/eval\/\" target=\"_blank\" rel=\"noopener\">tool de auto-evaluare<\/a> care compar\u0103 skill-urile tale cu a\u0219tept\u0103rile industriei.<\/p>\r\n\r\n\r\n\r\n<p>Dac\u0103 e\u0219ti serios, disciplinat \u0219i adaugi constant lucruri valoroase la setul t\u0103u de abilit\u0103\u021bi, estimez c\u0103 po\u021bi ob\u021bine trecerea la urm\u0103torul nivel. Estimativ, a\u0219 spune c\u0103 aceast\u0103 trecere poate fi reflectat\u0103 \u00eentr-un plus de 2 sau 300 de euro lunar.\u2020<\/p>\r\n\r\n\r\n\r\n<p>Am construit \u00eentre timp un <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/training\/\" target=\"_blank\" rel=\"noopener\">tool de training path<\/a> care \u00ee\u021bi genereaz\u0103 un plan de \u00eenv\u0103\u021bare personalizat, cu c\u0103r\u021bi \u0219i resurse pe tehnologia ta (Java, .NET, Python etc.).<\/p>\r\n\r\n\r\n\r\n<p class=\"has-large-font-size\">Schimbarea 2: Investi\u021bia Financiar\u0103 Planificat\u0103 \u0219i Constant\u0103<\/p>\r\n\r\n\r\n\r\n<p>Nu \u0219tiu care este starea ta financiar\u0103, dar majoritatea programatorilor tineri pe care \u00eei \u00eent\u00e2lnesc nu par s\u0103 fie foarte disciplina\u021bi \u00een zona financiar\u0103. \u00cen IT se c\u00e2\u0219tig\u0103 mult, dar se \u0219i cheltuie mult.<\/p>\r\n\r\n\r\n\r\n<p>Al doilea mod de a-\u021bi m\u0103ri venitul este cu b\u0103taie mai lung\u0103, dar are un efect mai autonom. Acesta presupune ca, odat\u0103 pus \u00een practic\u0103 \u0219i aplicat lun\u0103 de lun\u0103, \u00een c\u00e2\u021biva ani s\u0103 produc\u0103 un efect asem\u0103n\u0103tor cu al bulg\u0103relui de z\u0103pad\u0103 care se rostogole\u0219te &#8211; \u00eencepe s\u0103 acumuleze \u0219i s\u0103 genereze de la sine o valoare din ce \u00een ce mai mare.<\/p>\r\n\r\n\r\n\r\n<p>Sfatul cel mai decent \u0219i s\u0103n\u0103tos pe care l-am g\u0103sit \u00een domeniul financiar este s\u0103 economise\u0219ti constant \u0219i sigur. Chiar dac\u0103 nu po\u021bi s\u0103 pui deoparte sume uria\u0219e \u00een fiecare lun\u0103, depunerile constante pe termen lung \u00ee\u021bi vor aduce o sum\u0103 frumoas\u0103. Dup\u0103 cum spune proverbul, bob cu bob se umple sacul.<\/p>\r\n\r\n\r\n\r\n<p>Aici, recomandarea este simpl\u0103: s\u0103 pui deoparte \u00een fiecare lun\u0103 minimum 20% din venitul t\u0103u \u00eentr-un cont de investi\u021bii. Dac\u0103 c\u00e2\u0219tigi 1500 de euro pe lun\u0103, asta \u00eenseamn\u0103 300 de euro lunar s\u0103 ii investe\u0219ti.<\/p>\r\n<p>Ca s\u0103 vezi regula 50\/30\/20 aplicat\u0103 pe salariul t\u0103u real, folose\u0219te <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/buget\/\" target=\"_blank\" rel=\"noopener\">calculatorul meu de buget<\/a> \u2014 lei, adaptat pentru Rom\u00e2nia.<\/p>\r\n\r\n\r\n\r\n<p>Poate crezi c\u0103 propunerea sun\u0103 ironic. \u00ce\u021bi spun c\u0103 po\u021bi avea un venit suplimentar \u0219i \u00ee\u021bi cer s\u0103 \u00ee\u021bi tai din venit.<\/p>\r\n\r\n\r\n\r\n<p>Pentru a \u00een\u021belege c\u0103 nu este o glum\u0103, \u00ee\u021bi prezint dou\u0103 grafice despre dob\u00e2nda compus\u0103. Primul este graficul care arat\u0103 ce se \u00eent\u00e2mpl\u0103 cu economiile tale c\u00e2nd economise\u0219ti 300 de euro timp de 10 ani, cu o depunere ini\u021bial\u0103 de 5000 de euro. Dup\u0103 10 ani de investi\u021bie constant\u0103 \u0219i ad\u0103ug\u00e2nd \u0219i o dob\u00e2nd\u0103 de 10%, po\u021bi ajunge la frumoasa sum\u0103 de 75.000 de euro.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"453\" class=\"wp-image-170\" src=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300-1024x453.png\" alt=\"\" srcset=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300-1024x453.png 1024w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300-300x133.png 300w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300-768x340.png 768w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300-1536x680.png 1536w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/accumultation-300.png 1848w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n\r\n\r\n\r\n<p>Al doilea grafic arat\u0103 ce dob\u00e2nd\u0103 este calculat\u0103 anual \u0219i este estimat\u0103 ca plat\u0103 lunar\u0103. Aici, vedem cam c\u00e2t ai putea ob\u021bine ca venit din acea dob\u00e2nd\u0103 lunar\u0103:<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"460\" class=\"wp-image-171\" src=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest-1024x460.png\" alt=\"\" srcset=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest-1024x460.png 1024w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest-300x135.png 300w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest-768x345.png 768w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest-1536x690.png 1536w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/compound-300-10perc-interest.png 1788w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n\r\n\r\n\r\n<p>Ce pot vedea din acest grafic este c\u0103, dup\u0103 2 ani de acumulare, ai putea c\u00e2\u0219tiga aproximativ 100 de euro lunar doar din dob\u00e2nda compus\u0103, iar \u00een 5 ani po\u021bi ajunge la 200 de euro.<\/p>\r\n\r\n\r\n\r\n<p>Conform graficului, efectul se amplific\u0103 \u00een timp, iar \u00een 10 ani ai putea c\u00e2\u0219tiga 500 de euro lunar doar din dob\u00e2nd\u0103, f\u0103r\u0103 s\u0103 mi\u0219ti un deget \u00een plus. Dac\u0103 aplici constant regula de 20%, odat\u0103 cu cre\u0219terea salariului, vei investi sume tot mai mari, iar efectul compus va fi mult mai dramatic.<\/p>\r\n<p>Graficele astea le-am f\u0103cut manual \u00een 2023. \u00centre timp am construit un <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/invest\/\" target=\"_blank\" rel=\"noopener\">simulator de investi\u021bii<\/a> unde po\u021bi modifica suma, durata \u0219i profilul de risc \u0219i vezi proiec\u021bia \u00een timp real.<\/p>\r\n\r\n\r\n\r\n<p>Po\u021bi spune c\u0103 cifrele sunt umflate \u0219i este imposibil s\u0103 pui deoparte o sum\u0103 a\u0219a de mare de bani ca \u00eencep\u0103tor. Este adev\u0103rat, am f\u0103cut o estimare pentru un programator cu experien\u021b\u0103 de 3-4 ani, care ar trebui s\u0103 aib\u0103 un salariu care s\u0103 \u00eei permit\u0103 s\u0103 economiseasc\u0103 \u00een jur de 300 de euro lunar.<\/p>\r\n\r\n\r\n\r\n<p>O alt\u0103 critic\u0103 ar putea fi adus\u0103 dob\u00e2nzii de 10%, care pare ireal\u0103. Investi\u021biile de care vorbesc sunt \u00een zona fondurilor index, unde istoric putem oberva o rat\u0103 medie ce indic\u0103 spre acea dob\u00e2nd\u0103 de 10% pe care am folosit-o.<\/p>\r\n\r\n\r\n\r\n<p>Ca exemplu, \u00een acest grafic avem evolu\u021bia indicelui care include cele mai valoroase companii de pe Bursa de Valori Bucure\u0219ti &#8211; aici putem vedea c\u0103 media acumulat\u0103 pe ultimii 10 ani este de 12%.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"618\" class=\"wp-image-173\" src=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-1024x618.png\" alt=\"\" srcset=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-1024x618.png 1024w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-300x181.png 300w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-768x463.png 768w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-1536x926.png 1536w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/bvb-2048x1235.png 2048w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n\r\n\r\n\r\n<p>Un alt exemplu notabil este reprezentat de fondurile index de pe pia\u021ba american\u0103. Lu\u00e2nd \u00een considerare, fondul Vanguard S&amp;P 500, care include cele mai valoroase 500 de companii din Statele Unite, observ\u0103m c\u0103 are un randament istoric de 14% pe ultimii 10 ani.<\/p>\r\n\r\n\r\n\r\n<figure class=\"wp-block-image size-large\"><img loading=\"lazy\" decoding=\"async\" width=\"1024\" height=\"542\" class=\"wp-image-175\" src=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1-1024x542.png\" alt=\"\" srcset=\"https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1-1024x542.png 1024w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1-300x159.png 300w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1-768x407.png 768w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1-1536x813.png 1536w, https:\/\/silviumarcu.ro\/blog\/wp-content\/uploads\/2023\/12\/vusa-1.png 1660w\" sizes=\"auto, (max-width: 1024px) 100vw, 1024px\" \/><\/figure>\r\n\r\n\r\n\r\n<p>Cu toate acestea, pentru a te convinge, po\u021bi s\u0103 faci propriile c\u0103ut\u0103ri pentru a verifica istoricul acestor fonduri.\u00a0<\/p>\r\n\r\n\r\n\r\n<p>Este important s\u0103 \u021bii cont c\u0103 eu nu sunt expert financiar, iar sfaturile pe care le ofer aici sunt doar observa\u021bii personale. Nu ar trebui s\u0103 le iei orbe\u0219te ca un plan pentru tine. De aceea, \u00ee\u021bi recomand s\u0103 \u00eencepi s\u0103 te documentezi singur \u0219i s\u0103 \u00ee\u021bi creezi propriul plan de investi\u021bii.<\/p>\r\n\r\n\r\n\r\n<p>\u00cen descriere, am l\u0103sat c\u00e2teva linkuri cu materiale pe care le urm\u0103resc \u0219i le consider utile \u00een educa\u021bia mea financiar\u0103. Aceste resurse pot fi un punct de pornire \u00een c\u0103utarea ta pentru a \u00een\u021belege mai bine lumea investi\u021biilor.<\/p>\r\n\r\n\r\n\r\n<pre class=\"wp-block-code has-small-font-size\"><code>Inainte sa trecem la ultimul punct, a\u0219 vrea s\u0103-\u021bi spun pu\u021bin despre materialele mele \u0219i cum po\u021bi s\u0103 m\u0103 aju\u021bi. Dac\u0103 ai urm\u0103rit p\u00e2n\u0103 acum materialele anterioare, ai observat c\u0103 nu vin cu tutoriale specifice. Nu \u00eencerc s\u0103 te \u00eenv\u0103\u021b detalii tehnice. Sunt at\u00e2tea materiale de bun\u0103 calitate care fac asta mult mai bine dec\u00e2t a\u0219 putea eu s\u0103 o fac.\r\n\r\n\u00cencercarea mea este s\u0103-\u021bi expun observa\u021biile \u0219i g\u00e2ndurile pe care le am pe drumul de programator. Un programator normal, cu care probabil este u\u0219or s\u0103 te echivalezi. \u00ce\u021bi povestesc \u0219i analizez situa\u021bii de la firul ierbii. \u00cencerc s\u0103 m\u0103 uit \u00een urm\u0103 \u0219i s\u0103 \u00een\u021beleg ce a fost bine \u0219i ce a fost gre\u0219it. \u00cencerc s\u0103 extrag \u00eenv\u0103\u021b\u0103turi \u0219i lec\u021bii prin care s\u0103 evit repetarea gre\u0219elilor \u0219i s\u0103 \u00eenaintez c\u00e2t mai rapid pe aceast\u0103 cale.\r\n\r\nTotodat\u0103, m\u0103 intereseaz\u0103 \u0219i feedback-ul t\u0103u. Dac\u0103 ai v\u0103zut un beneficiu, c\u00e2t de mic, din materialele pe care \u021bi le-am prezentat, dac\u0103 cel pu\u021bin o idee pe care ai auzit-o te-a motivat sau te-a ajutat s\u0103 faci un pas \u00eenainte, atunci m-ar \u00eencuraja \u0219i pe mine s\u0103 \u0219tiu acest lucru. Apreciez dac\u0103 dai un like, subscribe \u0219i share.\r\n<\/code><\/pre>\r\n\r\n\r\n\r\n<p class=\"has-large-font-size\">Schimbarea 3. Creeaz\u0103-\u021bi un nou revenue stream<\/p>\r\n\r\n\r\n\r\n<p>Acest pas poate p\u0103rea cel mai dificil. S-ar putea s\u0103 sune ca \u0219i cum ai lua un al doilea job \u0219i c\u0103 timpul liber ar disp\u0103rea. Cu toate acestea, cred c\u0103 po\u021bi g\u0103si alternative care se \u00eencadreaz\u0103 \u00eentr-un timp rezonabil \u0219i \u00ee\u021bi permit s\u0103 men\u021bii \u0219i timpul liber. Exist\u0103 multe op\u021biuni dintre care po\u021bi alege ceva care \u021bi se potrive\u0219te. Am colegi care au scris c\u0103r\u021bi, al\u021bii care public\u0103 con\u021binut online, iar al\u021bii predau cursuri de IT.<\/p>\r\n\r\n\r\n\r\n<p>Dac\u0103 e\u0219ti t\u00e2n\u0103r \u0219i nu ai \u00eenc\u0103 familie sau copii, este momentul perfect s\u0103 \u00eencerci aceast\u0103 direc\u021bie.<\/p>\r\n\r\n\r\n\r\n<p>Este adev\u0103rat c\u0103, dac\u0103 e\u0219ti la \u00eenceputul carierei \u00een programare, f\u0103r\u0103 mult\u0103 experien\u021b\u0103, poate fi intimidant s\u0103 te lansezi \u00een aceast\u0103 aventur\u0103. Ce pot s\u0103 \u00eenv\u0103\u021b pe al\u021bii c\u00e2nd sunt la \u00eenceput?<\/p>\r\n\r\n\r\n\r\n<p>Po\u021bi exersa \u0219i prezenta ceea ce \u00eenve\u021bi \u00een prezent, s\u0103-\u021bi publici cre\u0219terea constant\u0103. Acest lucru te va motiva s\u0103 evoluezi \u0219i mai mult.<\/p>\r\n\r\n\r\n\r\n<p>Sau poate te g\u00e2nde\u0219ti la o aplica\u021bie, la un produs pe care s\u0103-l creezi \u0219i s\u0103-l aduci la o form\u0103 prin care s\u0103 ob\u021bii un venit nou, oric\u00e2t de mic.<\/p>\r\n\r\n\r\n\r\n<p>Aici v\u0103d cea mai mare oportunitate de a-\u021bi descoperi cu adev\u0103rat poten\u021bialul. Dac\u0103 \u00een firm\u0103 po\u021bi da vina pe cineva pentru neajunsuri, c\u00e2nd \u00eencepi propriul t\u0103u produs, e\u0219ti singurul responsabil. Nimeni nu te mai \u00eempiedic\u0103 s\u0103 iei cele mai bune decizii.<\/p>\r\n\r\n\r\n\r\n<p>Cam at\u00e2t pentru ast\u0103zi. Dup\u0103 cum spuneam, \u00ee\u021bi las \u00een descriere materiale care m\u0103 ajut\u0103 \u00een educa\u021bia financiar\u0103.<\/p>\r\n\r\n\r\n\r\n<p>Dac\u0103 ai p\u0103reri diferite \u0219i crezi c\u0103 ceva poate fi corectat \u00een materialul de fa\u021b\u0103, te rog s\u0103 \u00eemi la\u0219i un comentariu.<\/p>\r\n\r\n\r\n\r\n<p>Pe cur\u00e2nd.<\/p>\r\n\r\n\r\n\r\n<p>Material plan de dezvoltare: <a href=\"https:\/\/silviumarcu.ro\/ai\/training\/\" target=\"_blank\" rel=\"noopener\">training path<\/a>.<\/p>\r\n\r\n\r\n\r\n<p>Materiale care m-au ajutat pe mine in educatia financiara<\/p>\r\n\r\n\r\n\r\n<ol class=\"wp-block-list\">\r\n<li>Tool-urile mele gratuite: <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/salar\" target=\"_blank\" rel=\"noopener\">salar<\/a>, <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/buget\/\" target=\"_blank\" rel=\"noopener\">buget<\/a>, <a class=\"underline underline underline-offset-2 decoration-1 decoration-current\/40 hover:decoration-current focus:decoration-current\" href=\"https:\/\/silviumarcu.ro\/ai\/invest\/\" target=\"_blank\" rel=\"noopener\">investi\u021bii<\/a> \u2014 toate pe silviumarcu.ro\/ai<\/li>\r\n<li>Adrian Asoltanie: <a href=\"https:\/\/www.youtube.com\/@AdrianAsoltanie\">https:\/\/www.youtube.com\/@AdrianAsoltanie<\/a><\/li>\r\n\r\n\r\n\r\n<li>FoxLand: <a href=\"https:\/\/www.youtube.com\/@foxlandro\">https:\/\/www.youtube.com\/@foxlandro<\/a><\/li>\r\n\r\n\r\n\r\n<li>Investeste la bursa: <a href=\"https:\/\/www.youtube.com\/@InvestestelaBursaro\">https:\/\/www.youtube.com\/@InvestestelaBursaro<\/a><\/li>\r\n\r\n\r\n\r\n<li>Cristian Sima: <a href=\"https:\/\/www.youtube.com\/@feedyourgreedofficial\">https:\/\/www.youtube.com\/@feedyourgreedofficial<\/a><\/li>\r\n<\/ol>\r\n","protected":false},"excerpt":{"rendered":"<p>Suntem \u00een plin\u0103 recesiune a programatorilor. \u00cen cei 25 de ani de c\u00e2nd sunt programator, este prima dat\u0103 c\u00e2nd m\u0103 confrunt cu o sc\u0103dere salarial\u0103. \u00cen acest material, vom explora dou\u0103 cauze directe ale problemelor noastre \u0219i \u00ee\u021bi propun tot dou\u0103 modalit\u0103\u021bi prin care po\u021bi prelua controlul asupra finan\u021belor tale. Cu un plan bine g\u00e2ndit&#8230;<\/p>\n","protected":false},"author":1,"featured_media":186,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_kad_post_transparent":"default","_kad_post_title":"default","_kad_post_layout":"default","_kad_post_sidebar_id":"","_kad_post_content_style":"default","_kad_post_vertical_padding":"default","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[45,47,12,43],"tags":[48,49],"class_list":["post-167","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-criza","category-educatie","category-programare","category-unelte","tag-recesiune","tag-salar"],"_links":{"self":[{"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/posts\/167","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/comments?post=167"}],"version-history":[{"count":6,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/posts\/167\/revisions"}],"predecessor-version":[{"id":275,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/posts\/167\/revisions\/275"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/media\/186"}],"wp:attachment":[{"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/media?parent=167"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/categories?post=167"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/silviumarcu.ro\/blog\/wp-json\/wp\/v2\/tags?post=167"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}