5 Powerful Rules of Money (Nobody Explained to You)
This course empowers students to take control of their personal finances with confidence and clarity. It introduces practical financial planning, proven investing principles, smart use of insurance and loans, and effective retirement preparation without unnecessary complexity. Special attention is given to recognizing trustworthy financial solutions, avoiding common traps and frauds, and understanding how the Bulgarian pension system works in practice. The course is designed for anyone who wants to make better financial decisions and build long‑term financial security.
The aims of this course are to:
- Develop students’ understanding of what constitutes a well-structured and sustainable personal financial plan and the key financial indicators that support long-term financial health.
- Introduce fundamental investing principles that are historically proven, resilient over time, and applicable across different economic environments.
- Provide students with a clear understanding of the Bulgarian pension system and equip them with strategies to prepare for a financially secure retirement.
- Enable students to critically distinguish between investing and speculation, and to identify reliable investment opportunities versus fraudulent or misleading schemes.
- Build students’ ability to evaluate insurance products by distinguishing meaningful life and non-life insurance from unnecessary or ineffective coverage.
- Strengthen students’ practical skills in comparing loan offers and selecting the most suitable financing option based on objective financial criteria.
- Encourage responsible financial behavior, critical thinking, and informed decision-making as foundations for long-term financial independence and stability.
What will you learn?
Students who complete this course:
- will know:
- What should a properly set financial plan look like and what are the ideal financial measures that, if followed, will ensure my financial health is in order
- Basic principles of investing that are timeless and always work
- How the Bulgarian pension system works and how can I prepare for a better pension
- will be able to:
- Distinguish between investment and speculation
- Find out what is a fraud and what is a reliable investment
- Distinguish between truly meaningful life and non-life insurance and unreliable, useless insurance
- Simply compare and choose the most optimal loan
When and how will the training take place?
The training has a duration of 10 academic hours and will be held, provided that a group of 15 participants is formed, on the following dates:
15 of September 2026, 16.00 – 19.00: 4 acad. hours, in person at NBU.
16 of September 2026, 16.00 – 19.00: 4 acad. hours, in person at NBU.
17 of September 2026, 16.00 – 17.30: 2 acad. hours, in person at NBU.
My name is Tomáš Škultéty, and I have been working in personal finance, investing, and financial planning for nearly twenty years. Today, I serve as Senior Director at Partners Group in Slovakia and Bulgaria, where I focus on business development, building advisory teams, and educating financial professionals at the highest level.
I started my career working directly with clients analyzing their finances, building financial plans, and helping them make better decisions about investments, insurance, loans, and retirement. Over the years, I progressed from a financial consultant to executive leadership, which gives me both a ground level and strategic view of how the financial world really works. I have taught over 300 consultants how to successfully help clients plan their finances, and together we have helped over 20,000 clients.
I am a long term member of MDRT (Million Dollar Round Table), including Court of the Table and Top of the Table, which recognizes top financial professionals worldwide for performance, professionalism, and ethical standards.
In my courses, I focus on clarity, practicality, and real life. I don’t teach theory for the sake of theory. I explain money and finance in a way that is easy to understand, based on real situations, real mistakes, and principles that actually work long term. My goal is to help people make smarter financial decisions, avoid costly errors, and build financial security with confidence skills that will benefit them for the rest of their life.
- 5 Секции
- 0 Урока
- 10 Часове
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My name is Tomáš Škultéty, and I have been working in personal finance, investing, and financial planning for nearly twenty years. Today, I serve as Senior Director at Partners Group in Slovakia and Bulgaria, where I focus on business development, building advisory teams, and educating financial professionals at the highest level.
I started my career working directly with clients analyzing their finances, building financial plans, and helping them make better decisions about investments, insurance, loans, and retirement. Over the years, I progressed from a financial consultant to executive leadership, which gives me both a ground level and strategic view of how the financial world really works. I have taught over 300 consultants how to successfully help clients plan their finances, and together we have helped over 20,000 clients.
I am a long term member of MDRT (Million Dollar Round Table), including Court of the Table and Top of the Table, which recognizes top financial professionals worldwide for performance, professionalism, and ethical standards.
In my courses, I focus on clarity, practicality, and real life. I don’t teach theory for the sake of theory. I explain money and finance in a way that is easy to understand, based on real situations, real mistakes, and principles that actually work long term. My goal is to help people make smarter financial decisions, avoid costly errors, and build financial security with confidence skills that will benefit them for the rest of their life.
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