富爸爸Word格式文档下载.docx
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富爸爸Word格式文档下载.docx
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Insteadofsimplyacceptingorrejectingoneortheother,Ifoundmyselfthinkingmore,comparingandthenchoosingformyself.
Theproblemwas,therichmanwasnotrichyetandthepoormannotyetpoor.Bothwerejuststartingoutontheircareers,andbothwerestrugglingwithmoneyandfamilies.Buttheyhadverydifferentpointsofviewaboutthesubjectofmoney.
Forexample,onedadwouldsay,"
Theloveofmoneyistherootofallevil."
Theother,"
Thelackofmoneyistherootofallevil."
Asayoungboy,havingtwostrongfathersbothinfluencingmewasdifficult.Iwantedtobeagoodsonandlisten,butthetwofathersdidnotsaythesamethings.Thecontrastintheirpointsofview,particularlywheremoneywasconcerned,wassoextremethatIgrewcuriousandintrigued(3).Ibegantostartthinkingforlongperiodsoftimeaboutwhateachwassaying.
Muchofmyprivatetimewasspentreflecting(4),askingmyselfquestionssuchas,"
Whydoeshesaythat?
"
andthenaskingthesamequestionoftheotherdad'
sstatement.Itwouldhavebeenmucheasiertosimplysay,"
Yeah,he'
sright.Iagreewiththat."
Ortosimplyrejectthepointofviewbysaying,"
Theoldmandoesn'
tknowwhathe'
stalkingabout."
Instead,havingtwodadswhomIlovedforcedmetothinkandultimatelychooseawayofthinkingformyself.Asaprocess,choosingthethingformyselfturnedouttobemuchmorevaluableinthelongrun,ratherthansimplyacceptingorrejectingasinglepointofview.
Oneofthereasonstherichgetricher,thepoorgetpoorer,andthemiddleclassstrugglesindebtisbecausethesubjectofmoneyistaughtathome,notinschool.Mostofuslearnaboutmoneyfromourparents.Sowhatcanapoorparenttelltheirchildaboutmoney?
Theysimplysay"
Stayinschoolandstudyhard."
Thechildmaygraduatewithexcellentgradesbutwithapoorperson'
sfinancialprogrammingandmind-set(5).Itwaslearnedwhilethechildwasyoung.
Moneyisnottaughtinschools.Schoolsfocusonscholastic(6)andprofessionalskills,butnotonfinancialskills.Thisexplainshowsmartbankers,doctorsandaccountantswhoearnedexcellentgradesinschoolmaystillstrugglefinanciallyalloftheirlives.Ourstaggering(7)nationaldebtisdueinlargeparttohighlyeducatedpoliticiansandgovernmentofficialsmakingfinancialdecisionswithlittleornotrainingonthesubjectofmoney.
Ioftenlookaheadtothenewmillenniumandwonderwhatwillhappenwhenwehavemillionsofpeoplewhowillneedfinancialandmedicalassistance.Theywillbedependentontheirfamiliesorthegovernmentforfinancialsupport.WhatwillhappenwhenMedicareandSocialSecurityrunoutofmon
ey?
Howwillanationsurviveifteachingchildrenaboutmoneycontinuestobelefttoparents-mostofwhomwillbe,oralreadyare,poor?
BecauseIhadtwoinfluentialfathers,Ilearnedfrombothofthem.Ihadtothinkabouteachdad'
sadvice,andindoingso,Igainedvaluableinsightintothepowerandeffectofone'
sthoughtsonone'
slife.Forexample,onedadhadahabitofsaying,"
Ican'
taffordit."
Theotherdadforbadethosewordstobeused.HeinsistedIsay,"
HowcanIaffordit?
Oneisastatement,andtheotherisaquestion.Oneletsyouoffthehook,andtheotherforcesyoutothink.Mysoon-to-be-richdadwouldexplainthatbyautomaticallysayingthewords"
taffordit,"
yourbrainstopsworking.Byaskingthequestion"
yourbrainisputtowork.Hedidnotmeanbuyeverythingyouwanted.Hewasfanatical
(1)aboutexercisingyourmind,themostpowerfulcomputerintheworld."
MybraingetsstrongereverydaybecauseIexerciseit.Thestrongeritgets,themoremoneyIcanmake."
Hebelievedthatautomaticallysaying"
taffordit"
wasasignofmentallaziness.
Althoughbothdadsworkedhard,Inoticedthatonedadhadahabitofputtinghisbraintosleepwhenitcametomoneymatters,andtheotherhadahabitofexercisinghisbrain.Thelong-termresultwasthatonedadgrewstrongerfinanciallyandtheothergrewweaker.Itisnotmuchdifferentfromapersonwhogoestothegymtoexerciseonaregularbasisversussomeonewhositsonthecouchwatchingtelevision.Properphysicalexerciseincreasesyourchancesforhealth,andpropermentalexerciseincreasesyourchancesforwealth.Lazinessdecreasesbothhealthandwealth.
Mytwodadshadopposingattitudesinthought.Onedadthoughtthattherichshouldpaymoreintaxesandtakecareofthoselessfortunate.Theothersaid,"
Taxespunishthosewhoproduceandrewardthosewhodon'
tproduce."
Onedadrecommended,"
Studyhardsoyoucanfindagoodcompanytoworkfor."
Theotherrecommended,"
Studyhardsoyoucanfindagoodcompanytobuy."
Onedadsaid,"
ThereasonI'
mnotrichisbecauseIhaveyoukids."
Theothersaid,"
ThereasonImustberichisbecauseIhaveyoukids."
Onedadencouragedtalkingaboutmoneyandbusinessatthedinnertable.Theotherforbadethesubjectofmoneytobediscussedoverameal.
Onesaid,"
Whenitcomestomoney,playitsafe,anddon'
ttakerisks."
Learntomanagerisk."
Onebelieved,"
Ourhomeisourlargestinvestmentandourgreatestasset."
Theotherbelieved,"
Myhouseisaliability,andifyourhouseisyourlargestinvestment,you'
reintrouble."
Bothdadspaidtheirbillsontime,yetonepaidhisbillsfirstwhiletheotherpaidhisbillslast.
Beingaproductoftwostrongdadsallowedmetheluxuryofobservingtheeffectsdifferentthoughtshaveonone'
slife.Inoticedthatpeoplereallydoshapetheirlifethroughtheirthoughts.
Forexample,mypoordadalwayssaid,"
I'
llneverberich."
Andthatprophesy
(2)becamereality.Myrichdad,ontheotherhand,alwaysreferredtohimselfasrich.Hewouldsaythingslike,"
marichman,andrichpeopledon'
tdothis."
Evenwhenhewasflatbrokeafteramajorfinancialsetback,hecontinuedtorefertohimselfasarichman.Hewouldcoverhimselfbysaying,"
Thereisadifferencebetweenbeingpoorandbeingbroke.-Brokeistemporary,andpooriseternal."
Mypoordadwouldalsosay,"
mnotinterestedinmoney,"
or"
Moneydoesn'
tmatter."
Myrichdadalwayssaid,"
Moneyispower."
Thepowerofourthoughtsmayneverbemeasuredorappreciated,butitbecameobvioustomeasayoungboytobeawareofmythoughtsandhowIexpressedmyself.Inoticedthatmypoordadwaspoornotbecauseoftheamountofmoneyheearned,whichwassignificant,butbecauseofhisthoughtsandactions.Asayoungboy,havingtwofathers,IbecameacutelyawareofbeingcarefulwhichthoughtsIchosetoadoptasmyown.WhomshouldIlistento-myrichdadormypoordad?
Althoughbothmenhadtremendousrespectforeducationandlearning,theydisagreedinwhattheythoughtwasimportanttolearn.Onewantedmetostudyhard,earnadegreeandgetagoodjobtoworkformoney.Hewantedmetostudytobecomeaprofessional,anattorneyoranaccountantortogotobusinessschoolformyMBA.Theotherencouragedmetostudytoberich,tounderstandhowmoneyworksandtolearnhowtohaveitworkforme."
Idon'
tworkformoney!
werewordshewouldrepeatoverandover,"
Moneyworksforme!
Attheageof9,Idecidedtolistentoandlearnfrommyrichdadaboutmoney.Indoingso,Ichosenottolistentomypoordad,eventhoughhewastheonewithallthecollegedegrees.
OnceImadeupmymindwhomtolistento,myeducationaboutmoneybegan.Myrichdadtaughtmeoveraperiodof30years,untilIwasage39.HestoppedonceherealizedthatIknewandfullyunderstoodwhathehadbeentryingtodrumintomyoftenthickskull.
Moneyisoneformofpower.Butwhatismorepowerfulisfinancialeducation.Moneycomesandgoes,butifyouhavetheeducationabouthowmoneyworks,yougainpoweroveritandcanbeginbuildingwealth.Thereasonpositivethinkingalonedoesnotworkisbecausemostpeoplewenttoschoolandneverlearnedhowmoneyworks,sotheyspendtheirlivesworkingformoney.
BecauseIwasonly9yearsoldwhenIstarted,thelessonsmyrichdadtaughtmeweresimple.Andwhenitwasallsaidanddone,therewereonlysixmainlessons,repeatedover30years.Thisbookisaboutthosesixlessons,putassimplyaspossibleasmyrichdadputforththoselessonstome.Thelessonsarenotmeanttobeanswersbutguideposts(3).Guidepoststhatwillassistyouandyourchildrentogrowwealthiernomatterwhathappensinaworldofincreasingchangeanduncertainty.
Dad,CanYouTellMeHowtoGetRich?
Mydadputdowntheeveningpaper."
Whydoyouwanttogetrich,son?
BecausetodayJimmy'
smomdroveupintheirnewCadillac,andtheyweregoingtothei
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