Beimbet

Book · PDF · 224 pages

Сенің финансист досың

Personal finance in Kazakhstan: from debt to capital

Borrowing until payday and not sure where the money goes? This book is a path through seven levels: from microloan debt to an emergency fund, first investments, a pension you understand and a plan for life.

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Title page of the book “Сенің финансист досың”

Each chapter pairs a principle that holds in any country with how it works in Kazakhstan: what the law says, how much it is in tenge, what to do and where to complain.

Official and off-the-books salaries, taxes under the new Tax Code, benefits, mortgages, the “National Fund for Children” program, bonds, pensions and inheritance - told through seven characters, from a courier to a woman close to retirement.

No bank rankings and no affiliate links. Start at the level you are at now: an 11-question test at the beginning of the book points you to your starting chapter.

Authors
Маратов Беимбет, Claude Opus 5.5
Language
Russian
Pages
224
Format
PDF, 3.1 MB
Laws and figures as of
October 16, 2026
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Seven levels

  1. Level 1Stop the fallmoney and rising prices, tracking, debt, scams, a cash reserve
  2. Level 2Income and the statesalary, taxes, social protection, government agencies
  3. Level 3Banks, housing, familysavings, housing, insurance, marriage and children
  4. Level 4Growthinvesting, taxes on it, pension, real estate and gold
  5. Level 5Your own businessregistration, the tax office, legal tax savings, business money
  6. Level 6–7Capital and maturitywhat to leave your family, moving abroad, family spending, a plan for life

Contents

The book is in Russian; chapter titles are shown as they appear in it.

Level 1

  1. 1Деньги, инфляция, девальвация, сложный процент
  2. 2Учёт и бюджет
  3. 3Как устроен долг
  4. 4Выход из долговой ямы
  5. 5Мошенники, пирамиды, дропы, ставки
  6. 6Подушка безопасности
  7. Навык уровня 1: автоматизация денег

Level 2

  1. 7Как поднять доход
  2. 8Зарплата и формы занятости
  3. 9Налоги физлица
  4. 10Соцзащита
  5. 11Как работать с государством
  6. Навык уровня 2: читать договор и торговаться

Level 3

  1. 12Депозиты и жилстройсбережения
  2. 13Кредиты с умом
  3. 14Жильё
  4. 15Страхование
  5. 16Семья и деньги
  6. Навык уровня 3: сравнение предложений и расчёт переплаты

Level 4

  1. 17Основы инвестиций
  2. 18Инструменты РК
  3. 19Налоги на инвестиции
  4. 20Пенсия целиком
  5. 21Недвижимость, золото, крипта, сукук
  6. Навык уровня 4: дисциплина и защита от шума

Level 5

  1. 22От самозанятого к ИП и ТОО
  2. 23Как налоговики работают с ИП
  3. 24Оптимизация или уклонение
  4. 25Деньги бизнеса отдельно от личных

Level 6–7

  1. 26Наследство, дарение, завещание
  2. 27Международный уровень
  3. 28Семейный CFO
  4. 29Финплан на жизнь
  5. Навык уровней 6–7: крупные решения

Appendices

  1. 1Параметры года
  2. 2Календарь
  3. 3Карта госорганов по функциям
  4. 4Что делать, если…
  5. 5Карточки категорий
  6. 6Глоссарий

Please note

The book is educational and is not individual investment, tax or legal advice.

Rules and figures are given as of October 16, 2026 and may change after that date. For large sums and disputes, consult a lawyer or a tax advisor.

What has changed since the book came out, with sources for every figure

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