富爸爸.docx

富爸爸.docx

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富爸爸

《富爸爸，穷爸爸》（RichDadPoorDad）是一个真实的故事。

作者罗伯特・清崎的亲生父亲和朋友的父亲对金钱的看法截然不同，这使他对认识金钱产生了兴趣，最终他接受了朋友的父亲的建议，也就是书中所说的。

“富爸爸”的观念，即不要做金钱的奴隶，要让金钱为我们工作，并由此成为一名极富传奇色彩的成功的投资家。

Ihadtwofathers,arichoneandapoorone.Onewashighlyeducatedandintelligent;hehadaPh.D.andcompletedfouryearsofundergraduateworkinlessthantwoyears.Theotherfatherneverfinishedtheeighthgrade.

Bothmenweresuccessfulintheircareers,workinghardalltheirlives.Bothearnedsubstantialincomes.Yetonestruggledfinanciallyallhislife.TheotherwouldbecomeoneoftherichestmeninHawaii.Onediedleavingtensofmillionsofdollarstohisfamily,charitiesandhischurch.Theotherleftbillstobepaid.

Bothmenwerestrong,charismatic

（1）andinfluential.Bothmenofferedmeadvice,buttheydidnotadvisethesamethings.Bothmenbelievedstronglyineducationbutdidnotrecommendthesamecourseofstudy.

IfIhadhadonlyonedad,Iwouldhavehadtoacceptorrejecthisadvice.Havingtwodadsadvisingmeofferedmethechoiceofcontrasting

（2）pointsofview;oneofarichmanandoneofapoorman.

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"Ican'taffordit,"yourbrainstopsworking.Byaskingthequestion"HowcanIaffordit?

"yourbrainisputtowork.Hedidnotmeanbuyeverythingyouwanted.Hewasfanatical

（1）aboutexercisingyourmind,themostpowerfulcomputerintheworld."MybraingetsstrongereverydaybecauseIexerciseit.Thestrongeritgets,themoremoneyIcanmake."Hebelievedthatautomaticallysaying"Ican'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."Theothersaid,"Learntomanagerisk."

Onebelieved,"Ourhomeisourlargestinvestmentandourgreatestasset."Theotherbelieved,"Myhouseisaliability,andifyourhouseisyourlargestinvestment,you'reintrouble."

Bothdadspaidtheirbillsontime,yetonepaidhisbillsfirstwhiletheotherpaidhisbillslast.

Beingaproductoftwostrongdadsallowedmetheluxuryofobservingtheeffectsdifferentthoughtshaveonone'slife.Inoticedthatpeoplereallydoshapetheirlifethroughtheirthoughts.

Forexample,mypoordadalwayssaid,"I'llneverberich."Andthatprophesy

（2）becamereality.Myrichdad,ontheotherhand,alwaysreferredtohimselfasrich.Hewouldsaythingslike,"I'marichman,andrichpeopledon'tdothis."Evenwhenhewasflatbrokeafteramajorfinancialsetback,hecontinuedtorefertohimselfasarichman.Hewouldcoverhimselfbysaying,"Thereisadifferencebetweenbeingpoorandbeingbroke.-Brokeistemporary,andpooriseternal."

Mypoordadwouldalsosay,"I'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