富爸爸穷爸爸-第2部分

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ollege。　He　admits　that。　He　was　eager　to　start　building　his　assets；　but　finally　agreed　that　the　college　education　would　also　be　a　benefit　to　him。
Truthfully；　the　ideas　in　this　book　are　probably　too　far　fetched　and　radical　for　most　parents　today。　Some　parents　are　having　a　hard　enough　time　simply　keeping　their　children　in　school。　But　in　light　of　our　changing　times；　as　parents　we　need　to　be　open　to　new　and　bold　ideas。　To　encourage　children　to　be　employees　is　to　advise　your　children　to　pay　more　than　their　fair　share　of　taxes　over　a　lifetime；　with　little　or　no　promise　of　a　pension。　And　it　is　true　that　taxes　are　a　person's　greatest　expense。　In　fact；　most　families　work　from　January　to　mid…May　for　the　government　just　to　cover　their　taxes。　New　ideas　are　needed　and　this　book　provides　them。
Robert　claims　that　the　rich　teach　their　children　differently。　They　teach　their　children　at　home；　around　the　dinner　table。　These　ideas　may　notbe　the　ideas　you　choose　to　discuss　with　your　children；　but　thank　you　for　looking　at　them。　And　I　advise　you　to　keep　searching。　In　my　opinion；　as　a　mom　and　a　CPA；　the　concept　of　simply　getting　good　grades　and　finding　a　good　job　is　an　old　idea。　We　need　to　advise　our　children　with　a　greater　degree　of　sophistication。　We　need　new　ideas　and　different　education。　Maybe　telling　our　children　to　strive　to　be　good　employees　while　also　striving　to　own　their　own　investment　corporation　is　not　such　a　bad　idea。
It　is　my　hope　as　a　mother　that　this　book　helps　other　parents。　It　is　Robert's　hope　to　inform　people　that　anyone　can　achieve　prosperity　if　they　so　choose。　If　today　you　are　a　gardener　or　a　janitor　or　even　unemployed；　you　have　the　ability　to　educate　yourself　and　teach　those　you　love　to　take　care　of　themselves　financially。　Remember　that　financial　intelligence　is　the　mental　process　via　which　we　solve　our　financial　problems。
Today　we　are　facing　global　and　technological　changes　as　great　or　even　greater　than　those　ever　faced　before。　No　one　has　a　crystal　ball；　but　one　thing　is　for　certain：　Changes　lie　ahead　that　are　beyond　our　reality。　Who　knows　what　the　future　brings？　But　whatever　happens；　we　have　two　fundamental　choices：　play　it　safe　or　play　it　smart　by　preparing；　getting　educated　and　awakening　your　own　and　your　children's　financial　genius。　…　Sbaron　Lecbter

For　a　FREE　AUDIO　REPORT　〃What　My　Rich　Dad　Taught　Me　About　Money〃　all　you　have　to　do　is　visit　our　special　website　at　。richdadbooki。　and　the　report　is　yours　free。

Thank　you
Rich　Dad；　Poor　Dad

CHAPTER　ONE
Rich　Dad；　Poor　Dad
As　narrated　by　Robert　Kiyosaki

I　had　two　fathers；　a　rich　one　and　a　poor　one。　One　was　highly　educated　and　intelligent；　he　had　a　Ph。D。　and　pleted　four　years　of　undergraduate　work　in　less　than　two　years。　He　then　went　on　to　Stanford　University；　the　University　of　Chicago；　and　Northwestern　University　to　do　his　advanced　studies；　all　on　full　financial　scholarships。　The　other　father　never　finished　the　eighth　grade。
Both　men　were　successful　in　their　careers；　working　hard　all　their　lives。　Both　earned　substantial　ines。　Yet　one　struggled　financially　all　his　life。　The　other　would　bee　one　of　the　richest　men　in　Hawaii。　One　died　leaving　tens　of　millions　of　dollars　to　his　family；　charities　and　his　church。　The　other　left　bills　to　be　paid。
Both　men　were　strong；　charismatic　and　influential。　Both　men　offered　me　advice；　but　they　did　not　advise　the　same　things。　Both　men　believed　strongly　in　education　but　did　not　remend　the　same　course　of　study。
If　I　had　had　only　one　dad；　I　would　have　had　to　accept　or　reject　his　advice。　Having　two　dads　advising　me　offered　me　the　choice　of　contrasting　points　of　view；　one　of　a　rich　man　and　one　of　a　poor　man。
Instead　of　simply　accepting　or　rejecting　one　or　the　other；　I　found　myself　thinking　more；　paring　and　then　choosing　for　myself。
The　problem　was；　the　rich　man　was　not　rich　yet　and　the　poor　man　not　yet　poor。　Both　were　just　starting　out　on　their　careers；　and　both　were　struggling　with　money　and　families。　But　they　had　very　different　points　of　view　about　the　subject　of　money。
For　example；　one　dad　would　say；　〃The　love　of　money　is　the　root　of　all　evil。〃　The　other；　〃The　lack　of　money　is　the　root　of　all　evil。〃
As　a　young　boy；　having　two　strong　fathers　both　influencing　me　was　difficult。　I　wanted　to　be　a　good　son　and　listen；　but　the　two　fathers　did　not　say　the　same　things。　The　contrast　in　their　points　of　view；　particularly　where　money　was　concerned；　was　so　extreme　that　I　grew　curious　and　intrigued。　I　began　to　start　thinking　for　long　periods　of　time　about　what　each　was　saying。
Much　of　my　private　time　was　spent　reflecting；　asking　myself　questions　such　as；　〃Why　does　he　say　that？〃　and　then　asking　the　same　question　of　the　other　dad's　statement。　It　would　have　been　much　easier　to　simply　say；　〃Yeah；　he's　right。　I　agree　with　that。〃　Or　to　simply　reject　the　point　of　view　by　saying；　〃The　old　man　doesn't　know　what　he's　talking　about。〃　Instead；　having　two　dads　whom　I　loved　forced　me　to　think　and　ultimately　choose　a　way　of　thinking　for　myself。　As　a　process；　choosing　for　myself　turned　out　to　be　much　more　valuable　in　the　long　run；　rather　than　simply　accepting　or　rejecting　a　single　point　of　view。
One　of　the　reasons　the　rich　get　richer；　the　poor　get　poorer；　and　the　middle　class　struggles　in　debt　is　because　the　subject　of　money　is　taught　at　home；　not　in　school。　Most　of　us　learn　about　money　from　our　parents。　So　what　can　a　poor　parent　tell　their　child　about　money？　They　simply　say　〃Stay　in　school　and　study　hard。〃　The　child　may　graduate　with　excellent　grades　but　with　a　poor　person's　financial　programming　and　mind…set。　It　was　learned　while　the　child　was　young。
Money　is　not　taught　in　schools。　Schools　focus　on　scholastic　and　professional　skills；　but　not　on　financial　skills。　This　explains　how　smart　bankers；　doctors　and　accountants　who　earned　excellent　grades　in　school　may　still　struggle　financially　all　of　their　lives。　Our　staggering　national　debt　is　due　in　large　part　to　highly　educated　politicians　and　government　officials　making　financial　decisions　with　little　or　no　training　on　the　subject　of　money。
I　often　look　ahead　to　the　new　millennium　and　wonder　what　will　happen　when　we　have　millions　of　people　who　will　need　financial　and　medical　assistance。　They　will　be　dependent　on　their　families　or　the　government　for　financial　support。　What　will　happen　when　Medicare　and　Social　Security　run　out　of　money？　How　will　a　nation　survive　if　teaching　children　about　money　continues　to　be　left　to　parents…most　of　whom　will　be；　or　already　are；　poor？
Because　I　had　two　influential　fathers；　I　learned　from　both　of　them。　I　had　to　think　about　each　dad's　advice；　and　in　doing　so；　I　gained　valuable
insight　into　the　power　and　effect　of　one's　thoughts　on　one's　life。　For　example；　one　dad　had　a　habit　of　saying；　〃I　can't　afford　it。〃　The　other　dad　forbade　those　words　to　be　used。　He　insisted　I　say；　〃How　can　I　afford　it？〃　One　is　a　statement；　and　the　other　is　a　question。　One　lets　you　off　the　hook；　and　the　other　forces　you　to　think。　My　soon…to…be…rich　dad　would　explain　that　by　automatically　saying　the　words　〃I　can't　afford　it；〃　your　brain　stops　working。　By　asking　the　question　〃How　can　I　afford　it？〃　your　brain　is　put　to　work。　He　did　not　mean　buy　everything　you　wanted。　He　was　fanatical　about　exercising　your　mind；　the　most　powerful　puter　in　the　world。　〃My　brain　gets　stronger　every　day　because　I　exercise　it。　The　stronger　it　gets；　the　more　money　I　can　make。〃　He　believed　that　automatically　saying　〃I　can't　afford　it〃　was　a　sign　of　mental　laziness。
Although　both　dads　worked　hard；　I　noticed　that　one　dad　had　a　habit　of　putting　his　brain　to　sleep　when　it　came　to　money　matters；　and　the　other　had　a　habit　of　exercising　his　brain。　The　long…term　result　was　that　one　dad　grew　stronger　financially　and　the　other　grew　weaker。　It　is　not　much　different　from　a　person　who　goes　to　the　gym　to　exercise　on　a　regular　basis　versus　someone　who　sits　on　the　couch　watching　television。　Proper　physical　exercise　increases　your　chances　for　health；　and　proper　mental　exercise　increases　your　chances　for　wealth。　Laziness　decreases　both　health　and　wealth。
My　two　dads　had　opposing　attitudes　in　thought。　One　dad　thought　that　the　rich　should　pay　more　in　taxes　to　take　care　of　those　less　fortunate。　The　other　said；　〃Taxes　punish　those　who　produce　and　reward　those　who　don't　produce。〃
One　dad　remended；　〃Study　hard　so　you　can　find　a　good　pany　to　work　for。〃　The　other　remended；　〃Study　hard　so　you　can　find　a　good　pany　to　buy。〃
One　dad　said；　〃The　reason　I'm　not　rich　is　because　I　have　you　kids。〃　The　other　said；　〃The　reason　I　must　be　rich　is　because　I　have　you　kids。〃
One　encouraged　talking　about　money　and　business　at　the　dinner　；table。　The　other　forbade　the　subject　of　money　to　be　discussed　over　a　meal。
One　said；　〃When　it　es　to　money；　play　it　safe；　don't　take　risks。〃　The　other　said；　〃Learn　to　manage　risk。〃
One　believed；　〃Our　home　is　our　largest　investment　and　our　greatest　asset。〃　The　other　believed；　〃My　house　is　a　liability；　and　if　your　house　is　your　largest　investment；　you're　in　trouble。〃
Both　dads　paid　their　bills　on　time；　yet　one　paid　his　bills　first　while　the　other　paid　his　bills　last。
One　dad　believed　in　a　pany　or　the　government　taking　care　of　you　and　your　needs。　He　was　always　concerned　about　pay　raises；　retirement　plans；　medical　benefits；　sick　leave；　vacation　days　and　other　perks。　He　was　impressed　with　two　of　his　uncles　who　joined　the　military　and　earned　a　retirement　and　entitlement　package　for　life　after　twenty　years　of　active　service。　He　loved　the　idea　of　medical　benefits　and　PX　privileges　the　military　provided　its　retirees。　He　also　loved　the　tenure　system　available　through　the　university。　The　idea　of　job　protection　for　life　and　job　benefits　seemed　more　important；　at　times；　than　the　job。　He　would　often　say；　〃I've　worked　hard　for　the　government；　and　I'm　entitled　to　these　benefits。〃
The　other　believed　in　total　financial　self…reliance。　He　spoke　out　against　the　〃entitlement〃　mentality　and　how　it　was　creating　weak　and　financially　needy　people。　He　was　emphatic　about　being　financially　petent。
One　dad　struggled　to　save　a　few　dollars。　The　other　simply　created　investments。
One　dad　taught　me　how　to　write　an　impressive　resume　so　I　could　find　a　good　job。　The　other　taught　me　how　to　write　strong　business　and　financial　plans　so　I　could　create　jobs。
Being　a　product　of　two　strong　dads　allowed　me　the　luxury　of　observing　the　effects　different　thoughts　have　on　one's　life。　I　noticed　that　people　really　do　shape　their　life　through　their　thoughts。
For　example；　my　poor　dad　always　said；　〃I'll　never　be　rich。〃　And　that　prophesy　became　reality。　My　rich　dad；　on　the　other　hand；　always　referred　to　himself　as　rich。　He　would　say　things　like；　〃I'm　a　rich　man；　and　rich　people　don't　do　this。〃　Even　when　he　was　flat　broke　after　a　major　financial　setback；　he　continued　to　refer　to　himself　as　a　rich　man。　He　would　cover　himself　by　saying；　〃There　is　a　difference　between　being　poor　and　being　broke。　…　Broke　is　temporary；　and　poor　is　eternal。〃
My　poor　dad　would　also　say；　〃I'm　not　interested　in　money；〃　or　〃Money　doesn't　matter。〃　My　rich　dad　always　said；　〃Money　is　power。〃
The　power　of　our　thoughts　may　never　be　measured　or　appreciated；　but　it　became　obvious　to　me　as　a　young　boy　to　be　aware　of　my　thoughts　and　how　I　expressed　myself。　I　noticed　that　my　poor　dad　was　poor　not　because　of　the　amount　of　money　he　earned；　which　was　significant；　but
because　of　his　thoughts　and　actions。　As　a　young　boy；　having　two　fathers；　I　became　acutely　aware　of　being　careful　which　thoughts　I　chose　to　adopt　as　my　own。　Whom　should　I　listen　to…my　rich　dad　or　my　poor　dad？
Although　both　men　had　tremendous　respect　for　education　and　learning；　they　disagreed　in　what　they　thought　was　important　to　learn。　One　wanted　me　to　study　hard；　earn　a　degree　and　get　a　good　job　to　work　for　money。　He　wanted　me　to　study　to　bee　a　professional；　an　attorney　or　an　accountant　or　to　go　to　business　school　for　my　MBA。　The　other　encouraged　me　to　study　to　be　rich；　to　understand　how　money　works　and　to　learn　how　to　have　it　work　for　me。　〃I　don't　work　for　money！〃　were　words　he　would　repeat　over　and　over；　〃Money　works　for　me！〃
At　the　age　of　9；　I　decided　to　listen　to　and　learn　from　my　rich　dad　about　money。　In　doing　so；　I　chose　not　to　listen　to　my　poor　dad；　even　though　he　was　the　one　with　all　the　college　degrees。

A　Lesson　From　Robert　Frost

Robert　Frost　is　my　favourite　poet。　Although　I　love　many　of　his　poems；　my　favorite　is　The　Road　Not　Taken。　I　use　its　lesson　almost　daily：

The　Road　Not　Taken

Two　roads　diverged　in　a　yellow　wood；　And　sorry　I　could　not　travel　both　And　be　one　traveler；　long　I　stood　And　looked　down　one　as　far　as　I　could　To　where　it　bent　in　the　undergrowth；
Then　took　the　other；　as　just　as　fair；　And　having　perhaps　the　better　claim；　Because　it　was　grassy　and　wanted　wear　Though　as　for　that　the　passing　there　Had　worn　them　really　about　the　same；
And　both　that　morning　equally　lay　In　leaves　no　step　had　trodden　black。　Oh；　I　kept　the　first　for　another　day！　Yet　knowing　how　way　leads　onto　way；　I　doubted　if　I　should　ever　e　back。
I　shall　be　telling　this　with　a　sigh　Somewhere　ages　and　ages　hence；　Two　roads　diverged　in　a　wood；　and　I　took　the　one　less　traveled　by；　And　that　has　made　all　the　difference。
Robert　Frost（1916）

And　that　made　all　the　difference。
Over　the　years；　I　have　often　reflected　upon　Robert　Frost's　poem。　Choosing　not　to　listen　to　my　highly　educated　dad's　advice　and　attitude　about　money　was　a　painful　decision；　but　it　was　a　decision　that　shaped　the　rest　of　my　life。
Once　I　made　up　my　mind　whom　to　listen　to；　my　education　about　money　began。　My　rich　dad　taught　me　over　a　period　of　30　years；　until　I　was　age　39。　He　stopped　once　he　realized　that　I　knew　and　fully　understood　what　he　had　been　trying　to　drum　into　my　often　thick　skull。
Money　is　one　form　of　power。　But　what　is　more　powerful　is　financial　education。　Money　es　and　goes；　but　if　you　have　the　education　about　how　money　works；　you　gain　power　over　it　and　can　begin　building　wealth。　The　reason　positive　thinking　alone　does　not　work　is　because　most　people　went　to　school　and　never　learned　how　money　works；　so　they　spend　their　lives　working　for　money。
Because　I　was　only　9　years　old　when　I　started；　the　lessons　my　rich　dad　taught　me　were　simple。　And　when　it　was　all　said　and　done；　there　were　only　six　main　lessons；　repeated　over　30　years。　This　book　is　about　those　six　lessons；　put　as　simply　as　possible　as　my　rich　dad　put　forth　those　lessons　to　me。　The　lessons　are　not　meant　to　be　answers　but　guideposts。　Guideposts　that　will　assist　you　and　your　children　to　grow　wealthier　no　matter　what　happens　in　a　world　of　increasing　change　and　uncertainty。

Lesson　#1　The　Rich　Don't　Work　for　Money
Lesson　#2　Why　Teach　Financial　Literacy？
Lesson　#3　Mind　Your　own　Business
Lesson　#4　The　History　of　Taxes　and　the　　Power　of　Corporations
Lesson　#5　The　Rich　Invent　Money
Lesson　#6　Work　to　Learn　Don't　Work　for　Money

CHAPTER　TWO　
Lesson　One：　The　Rich　Don't　Work　For　Money

〃Dad；　Can　You　Tell　Me　How　to　Get　Rich？〃
My　dad　put　down　the　evening　paper。　〃Why　do　you　want　to　get　rich；　son？〃
〃Because　today　Jimmy's　mom　drove　up　in　their　new　Cadillac；　and　they　were　going　to　their　beach　house　for　the　weekend。　He　took　three　of　his　friends；　but　Mike　and　I　weren't　invited。　They　told　us　we　weren't　invited　because　we　were　‘poor　kids'。〃
〃They　did？〃　my　dad　asked　incredulously。
〃Yeah；　they　did。〃　I　replied　in　a　hurt　tone。
My　dad　silently　shook　his　head；　pushed　his　glasses　up　the　bridge　of　his　nose　and　went　back　to　reading　the　paper。　I　stood　waiting　for　an　answer。
The　year　was　1956。　I　was　9　years　old。　By　some　twist　of　fate；　I　attended　the　same　public　school　where　the　rich　people　sent　their　kids。　We　were　primarily　a　sugar　plantation　town。　The　managers　of　the　plantation　and　the　other　affluent　people　of　the　town；　such　as　doctors；　business　owners；　and　bankers；　sent　their　children　to　this　school；　grades　1　to　6。　After　grade　6；　their　children　were　generally　sent　off　to　private　schools。　Because　my　family　lived　on　one　side　of　the　street；　I　went　to　this　school。　Had　I　lived　on　the　other　side　of　the　street；　I　would　have　gone　to　a　different　school；　with　kids　from　families　more　like　mine。　After　grade　6；these　kids　and　I　would　go　on　to　the　public　intermediate　and　high　school。　There　was　no　private　school　for　them　or　for　me。
My　dad　finally　put　down　the　paper。　I　could　tell　he　was　thinking。
〃Well；　son；〃　he　began　slowly。　〃If　you　want　to　be　rich；　you　have　to　learn　to　make　money。〃
〃How　do　I　make　money？〃　I　asked。
〃Well；　use　your　head；　son；〃　he　said；　smiling。　Which　really　meant；　〃That's　all　I'm　going　to　tell　you；〃　or　〃I　don't　know　the　answer；　so　don't　embarrass　me。〃

A　Partnership　Is　Formed

The　next　morning；　I　told　my　best　friend；　Mike；　what　my　dad　had　said。　As　best　I　could　tell；　Mike　and　I　were　the　only　poor　kids　in　this　school。　Mike　was　like　me　in　that　he　was　in　this　school　by　a　twist　of　fate。　Someone　had　drawn　a　jog　in　the　line　for　the　school　district；　and　we　wound　up　in　school　with　the　rich　kids。　We　weren't　really　poor；　but　we　felt　as　if　we　were　because　all　the　other　boys　had　new　baseball　gloves；　；；；y
new　bicycles；　new　everything。
Mom　and　dad　provided　us　with　the　basics；　like　food；　shelter；　clothes。　：；　But　that　was　about　it。　My　dad　used　to　say；　〃If　you　want　something；　work　for　it。〃　We　wanted　things；　but　there　was　not　much　work　available　for　9…　；　year…old　boys。
〃So　what　do　we　do　to　make　money？〃　Mike　asked。
〃I　don't　know；〃　I　said。　〃But　do　you　want　to　be　my　partner？〃
He　agreed　and　so　on　that　Saturday　morning；　Mike　became　my　first　business　partner。　We　spent　all　morning　ing　up　with　ideas　on　how　to　1'make　money。　Occasionally　we　talked　about　all　the　〃cool　guys〃　at　Jimmy's　beach　house　having　fun。　It　hurt　a　little；　but　that　hurt　was　good；　for　it　inspired　us　to　keep　thinking　of　a　way　to　make　money。　Finally；　that　afternoon；　a　bolt　of　lightning　came　through　our　heads。　It　was　an　idea　Mike　had　gotten　from　a　science　book　he　had　read。　Excitedly；　we　shook　hands；　and　the　partnership　now　had　a　business。
For　the　next　several　weeks；　Mike　and　I　ran　around　our　neighborhood；　knocking　on　doors　and　asking　our　neighbors　if　they　would　save　their　toothpaste　tubes　for　us。　With　puzzled　looks；　most　adults　consented　with　a　smile。　Some　asked　us　what　we　were　doing。　To　which　we　replied；　〃We　can't　tell　you。　It's　a　business　secret。〃
My　mom　grew　distressed　as　the　weeks　wore　on。　We　had　selected　a
site　next　to　her　washing　machine　as　the　place　we　would　stockpile　our　raw　materials。　In　a　brown　cardboard　box　that　one　time　held　catsup　bottles；　our　little　pile　of　used　toothpaste　tubes　began　to　grow。
Finally　my　mom　put　her　foot　down。　The　sight　of　her　neighbors'　；　messy；　crumpled　used　toothpaste　tubes　had　gotten　to　her。　〃What　are　you　boys　doing？〃　she　asked。　〃And　I　don't　want　to　hear　again　that　it's　a　business　secret。　Do　something　with　this　mess　or　I'm　going　to　throw　it　out。〃
Mike　and　I　pleaded　and　begged；　explaining　that　we　would　soon　have　enough　and　then　we　would　begin　production。　We　informed　her　that　we　were　waiting　on　a　couple　of　neighbors　to　finish　using　up　their　toothpaste　so　we　could　have　their　tubes。　Mom　granted　us　a　one…week　extension。
The　date　to　begin　production　was　moved　up。　The　pressure　was　on。　My　first　partnership　was　already　being　threatened　with　an　eviction　notice　from　our　warehouse　space　by　my　own　mom。　It　became　Mike's　job　to　tell　the　neighbors　to　quickly　use　up　their　toothpaste；　saying　their　dentist　wanted　them　to　brush　more　often　anyway。　I　began　to　put　together　the　production　line。
One　day　my　dad　drove　up　with