{"$schema": "https://iptc.org/std/ninjs/ninjs-schema_3.2.json", "uri": "urn:newsml:wireva.mib.news:item:5440ca10-df2e-4f9a-b14d-2c7698df0cdb", "type": "text", "profile": "standard", "version": "1", "versioncreated": "2026-10-06T18:05:00.155580Z", "firstcreated": "2026-10-06T18:01:25.231116Z", "pubstatus": "usable", "urgency": 5, "language": "pl", "headline": "Planowanie emerytury w rodzinach z jednym dochodem. Ekspertka radzi, jak nie stracić lat składkowych", "byline": "Magdalena Adamska", "located": "Poland", "copyrightholder": "Haydamax OÜ", "copyrightnotice": "Wireva / Jej Tempo", "usageterms": "Subscribers may republish this item in full, including translation and trimming, with the credit “Wireva / Jej Tempo”. Set rel=canonical to https://jejtempo.mib.news/pieniadze/planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych/ when publishing on the web.", "description_text": "Rodziny utrzymujące się z jednej pensji są bardziej narażone na finansową kruchość. Ekspertka Christine Benz z Morningstar wyjaśnia, jak planować emeryturę, budować roczny fundusz awaryjny i podejmować decyzje o świadczeniach emerytalnych.", "altids": {"mosaic": "5440ca10-df2e-4f9a-b14d-2c7698df0cdb", "story": "fe5892aa-f18f-4c79-964d-ed63b1e47716", "slug": "planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych"}, "subject": [{"name": "Economy and business", "rel": "direct", "literal": "economy", "code": "medtop:04000000", "scheme": "http://cv.iptc.org/newscodes/mediatopic/", "uri": "http://cv.iptc.org/newscodes/mediatopic/04000000"}], "place": [{"name": "Poland", "literal": "pl", "code": "PL", "scheme": "http://cv.iptc.org/newscodes/countrycodes/"}], "person": [], "organisation": [], "genre": [{"name": "Standard story", "literal": "standard"}], "service": [{"name": "Wireva", "literal": "wireva"}], "associations": {"featuremedia": {"uri": "urn:newsml:wireva.mib.news:media:2baa9bce-fa9f-4fa3-be3a-f4d31e1b08fa", "type": "picture", "version": "1", "pubstatus": "usable", "headline": "Retirement planning looks different for couples with one income. Follow these expert tips", "description_text": "Planowanie emerytury w rodzinach z jednym dochodem. Ekspertka radzi, jak nie stracić lat składkowych", "copyrightholder": "images.fastcompany.com", "copyrightnotice": "Retirement planning looks different for couples with one income. Follow these expert tips", "usageterms": "Picture belongs to the source publication: address and terms are delivered, the file is not.", "altids": {"wireva": "2baa9bce-fa9f-4fa3-be3a-f4d31e1b08fa"}, "extra": {"wireva:delivery_mode": "link_only", "wireva:rights": {"licence": "", "licence_url": "", "licence_raw": "RSS source", "licence_verified_at": "2026-10-06T18:05:00.181858Z", "attribution_required": true, "attribution_text": "Retirement planning looks different for couples with one income. Follow these expert tips", "redistribution_allowed": false, "commercial_use_allowed": false, "modifications_allowed": false, "share_alike_required": false}, "wireva:provenance": {"creator": "", "source_name": "images.fastcompany.com", "source_url": "https://images.fastcompany.com/image/upload/w_1280,q_auto,f_auto,fl_lossy/f_webp,q_auto,c_fit/wp-cms-2/2026/10/AP26273568464270.jpg", "source_page_url": "https://images.fastcompany.com/image/upload/w_1280,q_auto,f_auto,fl_lossy/f_webp,q_auto,c_fit/wp-cms-2/2026/10/AP26273568464270.jpg", "our_page_url": "https://jejtempo.mib.news/pieniadze/planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych/"}, "wireva:role": "lead"}, "renditions": {"source": {"href": "https://images.fastcompany.com/image/upload/w_1280,q_auto,f_auto,fl_lossy/f_webp,q_auto,c_fit/wp-cms-2/2026/10/AP26273568464270.jpg", "mimetype": "image/jpeg"}}}}, "extra": {"wireva:story": {"uri": "urn:newsml:wireva.mib.news:story:fe5892aa-f18f-4c79-964d-ed63b1e47716", "slug": "patagonias-112-million-voting-push-reaches-112000-in-four-days-20261006", "status": "updated", "languages": ["en", "fr", "pl", "uk"], "item_count": 6, "is_breaking": false}, "wireva:rights": {"class": "agency_original", "redistribution_allowed": true, "commercial_use_allowed": true, "modifications_allowed": true, "share_alike_required": false, "attribution_required": true, "attribution_text": "Wireva / Jej Tempo", "canonical_required": true, "canonical_url": "https://jejtempo.mib.news/pieniadze/planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych/", "linkback_required": true, "licence": "Wireva subscriber licence", "licence_url": "", "licensor": "Haydamax OÜ", "valid_until": null, "excerpt_max_chars": 0, "decided_by_rule": "agency_original_verified", "needs_review": false}, "wireva:provenance": {"production_method": "automated", "ai_stages": {"editing": true, "drafting": true, "headline": true, "discovery": true, "classification": true, "image_selection": true, "source_collection": true, "cross_source_comparison": true}, "model": "", "human_reviewed": false, "reviewed_by": "", "reviewed_at": null, "editorial_control": true, "editorial_responsibility": "Haydamax OÜ (Wireva)", "factchecked": false, "verification_status": "multi_source", "independent_confirmations": 4, "official_source_used": false, "used_press_release": false, "public_interest": true, "ai_disclosure_required": true, "ai_disclosure_text": "Materiał powstał przy wsparciu SI pod odpowiedzialnością redakcyjną Haydamax OÜ.", "independence_check": {"status": "passed", "score": 0.0, "checked_at": "2026-10-06T18:05:00.178495Z"}}, "wireva:publication": {"name": "Jej Tempo", "domain": "jejtempo.mib.news", "country": "PL", "url": "https://jejtempo.mib.news/pieniadze/planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych/"}, "wireva:links": {"self": "https://wireva.mib.news/api/v1/items/5440ca10-df2e-4f9a-b14d-2c7698df0cdb", "html": "https://wireva.mib.news/item/5440ca10-df2e-4f9a-b14d-2c7698df0cdb/planowanie-emerytury-w-rodzinach-z-jednym-dochodem-ekspertka-radzi-jak-nie-stracic-lat-skladkowych/", "story": "https://wireva.mib.news/story/patagonias-112-million-voting-push-reaches-112000-in-four-days-20261006/"}, "wireva:metrics": {"word_count": 456, "char_count": 3215, "reading_time_seconds": 230}}}