For many expats (and especially women), money in Czechia sits in the background as a quiet worry.
Maybe you keep postponing looking into pensions, investments, or insurance, telling yourself you’ll do it “when you have time.”
Maybe you feel a bit guilty – you earn, you work hard, but you’re not sure you’re actually protecting your future here.
Or you feel dependent on others (partner, employer, bank advisor) and wish you could understand things well enough to confidently decide for yourself.
This session is for you if you’re tired of carrying that vague worry and want to feel calmer, better informed, and more in control of your financial life in Czechia.
Why am I doing this?
I’m a former educator and academic. Teaching has always been my way of helping people – explaining things clearly, step by step, until they feel, “I get it now.”
I’m also a feminist who deeply believes that every woman deserves financial security and freedom, regardless of where she was born or where she lives now. For me, this webinar is not a marketing trick; it’s a way to share knowledge that many women never had a chance to learn, especially in a new country and a new system.
This is my way of combining my teaching background with my commitment to women’s financial independence.
How will we do it?
My style is simple: no jargon, no talking down, no shaming.
As a former academic, I put a lot of effort into explaining clearly, using concrete examples, and checking that what I say is actually understandable and useful in real life.
You can expect:
Plain language, and “finance-speak” explained
Local context for Czech Republic, specifically for expats
Space to ask questions without feeling silly or behind
My goal is that you leave thinking, “Okay, I finally understand this. I know what my next step is.”
What Financial Breakfast is
It is a 60-minute online session where we go through the most common questions expat women have about money in Czechia.
I’ll share clear explanations and practical tips, and then we’ll have time for your questions, so you can connect what you hear to your own situation.
Very practical things we can talk about
“DPS or DIP… or nothing?”
What these pension products are, how they’re different, and a simple way to decide if either makes sense for you right now.
“I’m renting. Do I still need property insurance?”
When it’s useful, what it should actually cover, and what you can skip without feeling irresponsible.
“How do I even start saving and investing?”
A simple order of steps: set the secure foundation, then emergency fund, and then one straightforward investing option you can consider.
“Am I missing something important?”
Common gaps expats have—like underinsured contents, unknown fees, or unused employer benefits.
The topics are not limited to these suggestions; I'd love to address your questions (just write them in the form below). I will also answer questions in real time, but of course I can prepare better answers if I have the questions in advance.
What participants say about the Financial Breakfasts:
"The session was very helpful and I would be interested in further sessions. I really appreciate offering this content to women and for free - THANK YOU"!
"Thank you Liuba for this initiative."
"Liuba managed to make a formerly inscrutable topic understood by me- no small feat!"
"I would like to thank Liuba for this informative financial breakfast session. I am not very knowledgeable in budgeting and saving and any other financial matters; the sessions with Liuba are helping me gain knowledge and also providing me with simple practical steps I can do to help my present and future self. I recommend the financial breakfasts with Liuba!"
"Very interesting and useful"
Topic: Retirement, Decoded: Pensions, DIP & Long-Term Freedom
When: 11 October 2026
Time: 10:00 - 11:00 (CET)
Where: Google Meet (just fill in the form below to get the meeting link)
Duration: ±60 minutes
Cost: Free
What do you need to prepare? A good mood, a coffee or a beverage of your taste, a notebook for taking notes and any questions you might have.
Next Financial Breakfast
For this session, we are talking about something that is often pushed to the back of our minds: retirement. But don’t worry – this isn’t going to be dry or depressing! Instead, we’re going to demystify what it actually takes to build long-term financial freedom on your own terms.
As expat women, our retirement paths often look a bit different: career breaks, living across borders, and navigating a state pension system in a language that isn’t our mother tongue. Together, we’ll break down how pensions actually work in the Czech Republic, what happens to your pension contributions across bilateral international agreements if you’ve worked in multiple countries, and how the new DIP (long-term investment product) can give you genuine tax advantages right now.
We’ll run through practical, step-by-step calculations so you know exactly what numbers you're aiming for, and discuss how to structure your long-term investments so you aren't leaving your future to chance or relying on the state. It’s going to be a practical, open, and relaxed hour designed to take the mystery out of the future and replace it with a clear, confident plan. Coffee, as always, is on hand!
About the next session:
Register for the Financial Breakfast online:
* By submitting this form you agree to me processing your private data - name and email for the purposes of sending you the emails about the financial breakfast. All of your data is kept confidential and is never shared with any third parties.
Privacy Policy
Register for the Financial Breakfast online:
* By submitting this form you agree to me processing your private data - name and email for the purposes of sending you the emails about the financial breakfast. All of your data is kept confidential and is never shared with any third parties.
Privacy Policy
Approximate schedule for the future
Financial Breakfasts
Schedule: Every first or second weekend each month (check the exact date in the schedule!). Approximate topics:
August: Investing
September: Investing
October: Pensions
November: Insurances
You can also suggest your topics, and I can adapt out Financial Breakfasts. Drop me an email!
You can also simply book a call online if you don't want to wait or need to discuss your indiviudal situation:
Empowering expats with financial consulting services. Free. Personally-tailored. Fair.
Contact
liubov.borisova@ovbmail.cz
+420 777 672 834
© Mgr. Liubov Borisova, PhD, 2026.
All rights reserved.
Portraits by Raifa Slota
Slezská 874/36, Prague, CZ
Mgr. Liubov Borisova, PhD
IČO 19929889
Services are provided by Liubov/Ljubov Viktorovna Borisova as a tied agent (vázaný zástupce) of OVB Allfinanz, a.s., with a registered office at Prague 4 – Chodov, V Park 2343/24, 148 00, ID No.: 48040410. In accordance with Czech financial market regulations.