Everyone wants to earn more and work less. Some succeed, others don't. Some people save up for a house all their lives, others buy real estate and rent it out. The difference between the first and second in relation to money, says the American entrepreneur and author of the book "Rich Dad Poor Dad" Robert Kiyosaki.
The secret of the popularity of books is in the way of thinking of rich and poor people.
TWO FATHERS
As a child, Kiyosaki watched over two fathers: his own and his best friend. Robert's father is an educated man with a doctoral degree. He completed a four-year university course in two years. After that, he graduated from Stanford, Chicago and Northwestern Universities. The second father did not finish eight grades.
Both worked hard and made careers. Both made a lot of money. But Robert's father always struggled with financial difficulties, and the second - easily became one of the richest people.
Robert wondered, "Why is this happening?"
DIFFERENCE OF VIEWS
Kiyosaki is sure: anyone can get rich. To do this, you first need to understand what type of person you are. Kiyosaki identifies four types of people:
An employee is a person who works for someone. Our parents have programmed us to become an employee since childhood.
Parents tell their children: "You need a medal, it will be easier to enter a good university." Children finish school with good grades and go to college. Parents continue: "You need a good diploma - it will help you get a well-paid job." Children try hard, finish their studies and get good jobs. Many move quickly up the career ladder, but remain employees.
It doesn't matter if you are a salesperson or a department head in a large company, you are an employee. Your income is your salary. And if that's your only income, no matter how much, you live paycheck to paycheck. You can climb the career ladder, but you have a ceiling - you can’t jump above the salary level in your position.
Entrepreneurs have more opportunities. These people use professional skills for self-employment. This includes small business owners, independent entrepreneurs, professionals.
Just like employees, entrepreneurs get paid for their time. But unlike workers who give most of their income to the company for the right to work, entrepreneurs get all the income.
Entrepreneurs are good specialists: they build companies on their own knowledge - the fuel for the company's development. If an entrepreneur with his knowledge leaves his job for a while, the company's income will decrease.
Businessmen, unlike entrepreneurs, often do not have special knowledge in the field in which they open a business.
Oleg Tinkov did not study to be a cook, but opened a dumplings factory. He did not understand technology at a professional level, but he created a network of consumer electronics.
Shiochiro Honda, the founder of the Honda company, barely finished eight grades of school.
Roman Abramovich left the Forestry Institute.
The list of rich people who have not received special education is endless. But that doesn't mean they are stupid. It's just that their mind, unlike entrepreneurial, is not academic. Businessmen know how to find smart people who do the work for them.
Their companies prosper and generate income, although the businessmen themselves do not work in the usual sense of the word. Businessmen don't trade time for money like employees and entrepreneurs do. They organize the business process and the companies generate income.
Investors want their money to work for them. First of all, they are concerned about how quickly the investment will pay off. Investors, like businessmen, manage their time freely. Workers and entrepreneurs are dependent on time and limited in getting money. The first, because they work for the leader, the second - for themselves.
To gain access to money, you need to move from workers and entrepreneurs to the category of businessmen and investors. But fear and the desire to have blessings prevent this from being done. An employee is afraid of losing a stable place, an entrepreneur is a business. And together they are afraid of the possibility of being left without a livelihood and the inability to buy what they want.
The secret of the popularity of books is in the way of thinking of rich and poor people.
TWO FATHERS
As a child, Kiyosaki watched over two fathers: his own and his best friend. Robert's father is an educated man with a doctoral degree. He completed a four-year university course in two years. After that, he graduated from Stanford, Chicago and Northwestern Universities. The second father did not finish eight grades.
Both worked hard and made careers. Both made a lot of money. But Robert's father always struggled with financial difficulties, and the second - easily became one of the richest people.
Robert wondered, "Why is this happening?"
DIFFERENCE OF VIEWS
Kiyosaki is sure: anyone can get rich. To do this, you first need to understand what type of person you are. Kiyosaki identifies four types of people:
An employee is a person who works for someone. Our parents have programmed us to become an employee since childhood.
Parents tell their children: "You need a medal, it will be easier to enter a good university." Children finish school with good grades and go to college. Parents continue: "You need a good diploma - it will help you get a well-paid job." Children try hard, finish their studies and get good jobs. Many move quickly up the career ladder, but remain employees.
It doesn't matter if you are a salesperson or a department head in a large company, you are an employee. Your income is your salary. And if that's your only income, no matter how much, you live paycheck to paycheck. You can climb the career ladder, but you have a ceiling - you can’t jump above the salary level in your position.
Entrepreneurs have more opportunities. These people use professional skills for self-employment. This includes small business owners, independent entrepreneurs, professionals.
Just like employees, entrepreneurs get paid for their time. But unlike workers who give most of their income to the company for the right to work, entrepreneurs get all the income.
Entrepreneurs are good specialists: they build companies on their own knowledge - the fuel for the company's development. If an entrepreneur with his knowledge leaves his job for a while, the company's income will decrease.
Businessmen, unlike entrepreneurs, often do not have special knowledge in the field in which they open a business.
Oleg Tinkov did not study to be a cook, but opened a dumplings factory. He did not understand technology at a professional level, but he created a network of consumer electronics.
Shiochiro Honda, the founder of the Honda company, barely finished eight grades of school.
Roman Abramovich left the Forestry Institute.
The list of rich people who have not received special education is endless. But that doesn't mean they are stupid. It's just that their mind, unlike entrepreneurial, is not academic. Businessmen know how to find smart people who do the work for them.
Their companies prosper and generate income, although the businessmen themselves do not work in the usual sense of the word. Businessmen don't trade time for money like employees and entrepreneurs do. They organize the business process and the companies generate income.
Investors want their money to work for them. First of all, they are concerned about how quickly the investment will pay off. Investors, like businessmen, manage their time freely. Workers and entrepreneurs are dependent on time and limited in getting money. The first, because they work for the leader, the second - for themselves.
To gain access to money, you need to move from workers and entrepreneurs to the category of businessmen and investors. But fear and the desire to have blessings prevent this from being done. An employee is afraid of losing a stable place, an entrepreneur is a business. And together they are afraid of the possibility of being left without a livelihood and the inability to buy what they want.
THE MISTAKE OF THE POOR
The reason for the fear of the worker and the entrepreneur is the wrong attitude towards money. Both work to get more money. When they succeed, they indulge the desire to spend money. We get up in the morning, go to work, pay our bills, and dream about things we don't have enough money for. This is a circle run.
The more money the poor man earns, the more goods he acquires and wants to acquire. There is not enough money all the time.
The poor man tries to get out of this wheel in three ways:
FINANCIAL LITERACY
Kiyosaki sees the main problem of the poor and the middle class in the lack of financial literacy. The rich acquire assets. The poor and the middle class buy liabilities that they consider assets. The most common examples of confusion in the minds are related to the house or the car.
The poor buy (or are going to buy) an apartment and a car. But an apartment and a car do not generate income, but only take money - a loan, utility bills, property tax. Yes, you have a vehicle and a roof over your head, but it's a passive because you get nothing.
Suppose you have written an online course of lectures. Effort spent once, and money is received every time your course is bought. This is an asset.
It's simple: an asset brings money, and a liability takes it away.
The problem of the poor is not in small salaries, but in the wrong investments. Look at the cash flow of poor dad and rich dad.
Rich dads and poor dads have the same expenses: food, entertainment, clothing, utilities, taxes. Only rich dad has assets as a source of income. Real estate (which he rents out), intellectual property, stocks—all assets generate income and don’t require rich dad’s involvement.
Poor dad's only income is his salary. He spends it not only on fixed expenses, but also on liabilities. Credit is a liability, just like a credit card. Liabilities take away money, although it seems that this is an investment in the future.
Poor dad has no free money for investments. But there are loans, savings for retirement and fixed expenses. Rich dad always has free money for investments: this item is written in his budget. Rich dad seeks to invest even a small amount in an asset that will bring income.
Gradually, rich dad's assets cover his monthly expenses. So he ceases to depend on the salary. The next step is to invest the excess money from assets into new assets.
Kiyosaki is convinced that the poor dad needs to stop being afraid and think about how to increase even a small income.
The reason for the fear of the worker and the entrepreneur is the wrong attitude towards money. Both work to get more money. When they succeed, they indulge the desire to spend money. We get up in the morning, go to work, pay our bills, and dream about things we don't have enough money for. This is a circle run.
The more money the poor man earns, the more goods he acquires and wants to acquire. There is not enough money all the time.
The poor man tries to get out of this wheel in three ways:
- The first is savings. Saving for the future is a useful skill, the rich do it too. Only the poor have savings savings, they do not increase current income. You will ensure a comfortable existence in retirement and even leave an inheritance to your grandchildren. But income is not available at the moment: the budget is shrinking, there is no free money to increase it. The poor remain poor.
- The second is cost reduction and savings. Planning money is a skill no less useful than savings. Only the poor again make the mistake of saving up for the same goods. When the poor man collects the required amount, spends it on buying what he wants and returns to where he started. Saving up again for the next good. The process can take a lifetime.
- The third is investing in assets. This is done by the middle class or entrepreneurs. Only here the poor have no luck: they confuse assets and liabilities.
FINANCIAL LITERACY
Kiyosaki sees the main problem of the poor and the middle class in the lack of financial literacy. The rich acquire assets. The poor and the middle class buy liabilities that they consider assets. The most common examples of confusion in the minds are related to the house or the car.
The poor buy (or are going to buy) an apartment and a car. But an apartment and a car do not generate income, but only take money - a loan, utility bills, property tax. Yes, you have a vehicle and a roof over your head, but it's a passive because you get nothing.
Suppose you have written an online course of lectures. Effort spent once, and money is received every time your course is bought. This is an asset.
It's simple: an asset brings money, and a liability takes it away.
The problem of the poor is not in small salaries, but in the wrong investments. Look at the cash flow of poor dad and rich dad.
Rich dads and poor dads have the same expenses: food, entertainment, clothing, utilities, taxes. Only rich dad has assets as a source of income. Real estate (which he rents out), intellectual property, stocks—all assets generate income and don’t require rich dad’s involvement.
Poor dad's only income is his salary. He spends it not only on fixed expenses, but also on liabilities. Credit is a liability, just like a credit card. Liabilities take away money, although it seems that this is an investment in the future.
Poor dad has no free money for investments. But there are loans, savings for retirement and fixed expenses. Rich dad always has free money for investments: this item is written in his budget. Rich dad seeks to invest even a small amount in an asset that will bring income.
Gradually, rich dad's assets cover his monthly expenses. So he ceases to depend on the salary. The next step is to invest the excess money from assets into new assets.
Kiyosaki is convinced that the poor dad needs to stop being afraid and think about how to increase even a small income.
THOUGHTS OF THE RICH MAN
Kiyosaki teaches you to manage money (even small ones), and not to obey them.
If we say to ourselves: “I can’t”, the brain relaxes and does not look for options. If we say: “How can this happen?”, a signal enters the brain, it starts working and necessarily gives out ideas and ways to increase income.
To change your thoughts, it is enough to remember a few things.
The rich don't work for money. But also for the idea. The rich work for experience.
Look for sources of passive income. No need to quit your job and spend all your savings on stocks. Work: keep your income stable. And in your free time, study the market, look around. Your brain will find a way to enrich itself.
The main teacher of the rich is mistakes. In 2012, Robert Kiyosaki lost a long-term lawsuit and declared bankruptcy of the company. Kiyosaki has lost millions more than once. But he earned them again and again. Don't stop if something doesn't work. Consider the mistakes of the past and try new things.
Investing in investment knowledge is better than buying stocks and losing everything. Financial literacy is something that many lack. Kiyosaki advises going to courses, but not just memorizing information, but delving into the subtleties.
Business drivers are smart people. Don't try to get twenty-five formations. Find educated people and hire them.
The first investors are useful acquaintances. Communicate with people. The larger the circle of acquaintances, the more likely it is to find investors who will invest in your idea.
The rich man thinks about increasing assets and decreasing liabilities. Before you buy something big, think about how much money you will have to invest in the purchase afterwards.
Kiyosaki teaches you to manage money (even small ones), and not to obey them.
If we say to ourselves: “I can’t”, the brain relaxes and does not look for options. If we say: “How can this happen?”, a signal enters the brain, it starts working and necessarily gives out ideas and ways to increase income.
To change your thoughts, it is enough to remember a few things.
The rich don't work for money. But also for the idea. The rich work for experience.
Look for sources of passive income. No need to quit your job and spend all your savings on stocks. Work: keep your income stable. And in your free time, study the market, look around. Your brain will find a way to enrich itself.
The main teacher of the rich is mistakes. In 2012, Robert Kiyosaki lost a long-term lawsuit and declared bankruptcy of the company. Kiyosaki has lost millions more than once. But he earned them again and again. Don't stop if something doesn't work. Consider the mistakes of the past and try new things.
Investing in investment knowledge is better than buying stocks and losing everything. Financial literacy is something that many lack. Kiyosaki advises going to courses, but not just memorizing information, but delving into the subtleties.
Business drivers are smart people. Don't try to get twenty-five formations. Find educated people and hire them.
The first investors are useful acquaintances. Communicate with people. The larger the circle of acquaintances, the more likely it is to find investors who will invest in your idea.
The rich man thinks about increasing assets and decreasing liabilities. Before you buy something big, think about how much money you will have to invest in the purchase afterwards.