所以我擁有7000個出租物業(yè)，這些都是資產(chǎn)。
So I own 7,000 rental properties.Those are assets.
每個月都有現(xiàn)金流進來。
Every month,the cash flows in.
銀行給我三億美元，免稅，來購買那些笨蛋輸?shù)舻姆康禺a(chǎn)。
The banks give me 300 million dollars,tax-free,to buy real estate that the idiots had lost.
現(xiàn)在如你所知的，對于全世界的中產(chǎn)階級來說，我們正處在經(jīng)濟危機。
And right now as you know,for the middle class of the world,we're in a crash.
By ROBERT KIYOSAKI.

首先讓我們先回到什么是金融教育。
First of all,let's go back to what is finacial education.
不是去找份工作，努力工作，存錢然后把錢投在多元化的投資組合。
It's not get a job,work hard,save money and invest in a well-diversified portfolio,
股票債券，信托基金或ETF上。不是這樣的。
stocks bonds,mutual funds and ETFs.That's not it.
你知道的，錢是。。。金融業(yè)是這兩樣東西，債務(wù)和稅收。
You know,money is.....The financial industry is two things,debt and taxes.
我們卻還在告訴孩子去上學，找份工作，努力工作，存錢然后拜托債務(wù)。
And we still tell kids to go to school,get a job,work hard,save money and get out of debt.
是誰告訴他們這樣做的？那是最荒唐的事情。
Who tells them to do that?That's the most ridiculous thing there is.
書本在開始的第一行說存錢能讓你致富。
The book starts and it says line number one saving money will make you rich.
從來不會，你知道的。我們都從小都是這樣被教育的。對。
Yeah,and never will,you know that.We were all taught that as a kid.Yeah.
因為他們可以印刷鈔票出來，為什么你要用存錢的方式？為什么你要靠工作賺錢？
Because they can print it.Why would you save it and why would you work for it
如果他們印刷的速度比你賺錢的速度還要快。
if they can print it at faster than you can work for it.
第二個問題是，他們不斷地降低儲蓄利率。
And number two is they keep dropping the interest rates on it.
日本依然在實施著零利率政策。而我是日本人第四代了。
You know,Japan still has zero...zero interest rate policy.And I'm Japanese,fourth generation.
他們都不太明智。對。為什么他們都在印刷了你還在繼續(xù)存錢？
They're not too bright.Right.Why would you keep saving when they're printing it?
當我住在日本的時候，這就是我所說的恐懼。他們很害怕，
You know,and when I'm in Japan...And that's what I mean by fear.They're so afraid,
因為日本人，雖然他們有非常好的文化，但他們只會順從指示。
cause the Japanese,they're very good culture,but they do as you're told.
性格非常的順從。非常順從。所以他們只會順從指示。
It's very conformist.Very conformist.So they just do as they are told
然后一味地存錢。他們害怕他們自己可能會犯錯。
and then they just save money.They're afraid they might make a mistake.
作為學校里的乖學生，去上學，找份工作。不要犯錯！
The good little students in school,go to school,get a job.Don't make mistakes!
對。而這就是學校訓練人們做的事情。而這就是學校訓練人們做的事情，教你不要犯錯。
Right.And that's what shcool conditions people to do,is do not get mistakes.
考取A成績，出席課堂，完成你的功課
Get an A on the test,show up and do your homework.
不過要成為一名偉大的企業(yè)家，投資家和偉大的富人。
But to be a great entrepreneur,an investor and a great rich person.
你必須把錯誤融入到生活中。
You have to engineer mistakes into your life.
然而軍事教育不同于學術(shù)教育，
And the military education different than academic education,
我們被教導要試著去犯錯。所以每一天
We're taught to make mistakes.You know,so every day
我都會駕駛戰(zhàn)斗機，然后我們要關(guān)掉引擎練習墜毀。
I'd fly and we had to kill the engine on our aircraft and crash.
所以當一般人遇到金融危機時，他們不知所措。
So what happens to the average person in a finacial crash,they don't know what to do.
現(xiàn)在如你所知的，對于全世界的中產(chǎn)階級來說，我們正處于在經(jīng)濟危機。
And right now as your know,for the middle class of the world,we're in a crash.
日元、歐元、盧比等貨幣的購買力全都在下降。
You know,the purchasing power of the yen,the eurp,the rupiah all going down.
人們更加倍努力地工作，而全世界的中央銀行都在印刷更多的鈔票。
And people are working harder and harder and harder.And the central banks of the world are printing more money.
大部分窮人將債務(wù)混淆為資產(chǎn)。
And most poor people confuse assets for liabilities.
他們認為自己的房子是資產(chǎn)。但它其實是債務(wù)。沒錯。
They think their home is an asset.It's an actually a liability.Right.
再一次，這就是為什么 我對會計老師的教導有些意見。
And againt,that's why yelling at the accounting teacher.
資產(chǎn)是個名詞，就像一間房子，現(xiàn)金流是個動詞。
An asset is a noun,like a house.Cash flow is a verb.
所以要了解它到底是資產(chǎn)還是債務(wù)。它需要結(jié)合名詞和動詞。
So to understand if it's an asset a liability.It takes a noun + verb.
所以，如果現(xiàn)金從你的口袋中流出，它是個債務(wù)。
So if the cash is flowing out of your pocket.It's a liability.
如果現(xiàn)金流進你的口袋。作為一個動詞，它就是資產(chǎn)。
If the cash is flowing into your pocket as a verb,it's an asset.
所以我擁有7000個出租物業(yè)，這些都是資產(chǎn)。
So I own 7,000 rental properties.Those are assets.
每個月都會有現(xiàn)金流進來。然而許多人在山上有大房子
Every month,the cash flows in.Whereas many people have a big house on the hill
但他們的現(xiàn)金正在流出。對。他們將越來越窮。
and the cash is flowing out.Right.And they're going broke.
對，這就像是個思維的框架。每個人都可以做跟我相同的事。
Right,it's like frame of mind.Everybody can do the save thing I do.
因為稅法可以用于任何人身上。我們不會說，稅收只適用于富人。
Cause the tax laws are for everybody.You know,they don't say well the tax are only for the rich.
不對。每個人都可以善用稅法。只要你有接收過正確的財務(wù)教育。
No.The tax laws are for everybody to use if you have the right finacial education.
麥當勞是在從事房地產(chǎn)業(yè)務(wù)，雖然他們賣漢堡包，
McDonald's is in the real estate business so they sell hamburgers
但他們購買房地產(chǎn)所以不必繳稅。你知道這家伙貝佐斯
but they buy a real estates and pay no taxes.You know this guy Bezos,
他有1600億美元。他要為1600億美元繳付多少稅金？零。
he has 160 billion dollars.How much tax did he pay on the 160 billion?Zero.
而這些都是合法的。任何人都可以做到。每個人都可以做到。
And that's all legal.Anyone can do it.Everybody could do it.
但大多數(shù)人缺乏相關(guān)的知識。所以，你總是說這是法律。
But most people lack the education.And so,you always say that is the law.
這法律可以用于每個公民，你可以做到，但大多人都沒在做。
The law is true for every citizen,you can do it,but most people just don't do it.
有時候就像你說的，他們沒有那方面的教育，因為你必須要有個計劃，
Sometimes like you said,they don't have the education,you need to have a plan,
如果你打算去做有風險的事。這并不是風險。
if your're gonna go do risky things.Well,it's not risky.
我的意思是，對我來說，最風險的是找份工作和繳稅。
I mean to me,what's risky is having a job and paying taxes.
還有存錢因為他們可以把錢印刷出來。你知道嗎？
And saving money,cause they're printing it.You know?
這是最糟糕的事情。這就是為什么我稱之為“假錢”，“假老師”。
That's the worst thing of all.And that's why there's fake money,fake teachers.
這些老師從不教你，因為他們根本不會。對。還有“假資產(chǎn)”，
The teachers will never...they don't know.Right.And fake assets，
因為像是華爾街，或者倫敦金融城，或者是雷曼兄弟，或者高盛等等，
because Wall Street or the city of London or Lehman Brothers or Goldman or others,
他們不會告訴你這些。2008年的金融危機之后，銀行提供我3億美元，免稅
they're not going to tell you this.After the crash of 2008 the banks gave me
來購買哪些笨蛋輸?shù)舻姆康禺a(chǎn)。
300 million dollars,tax-free,to buy real estate that the idiots had lost.
為什么說他們是笨蛋？因為那時房市已經(jīng)漲得那么高了，為什么你會在市場頂點購買呢？
They were idiots because the prices were so high,why would you buy it at the top of a market?
難道你不懂它會崩盤嗎？他們都說“不，不”。
Don't you know that's going to crash? They were all "no,no!".
那是次級貸款，是衍生市場。抵押貸款證券等等的，
That was the subprime,was the derivatives market.The MBS'es and all that stuff,
把價格推動到如此之高。而我們這群人就只是在等待時機。
had driven the price of real estate so high,and the rest of us were just waiting.
當整個市場崩盤時，所有這些房地產(chǎn)都在市場上待售。
And then when the whole thing came crashing down,all this real estate was now available.
而他們需要。。。美聯(lián)儲以及財政部的那些人需要向我們這樣的人進場。
And they needed...The Fed and those guys in the Treasury needed guys like us to go in there.
于是華爾街提供我們數(shù)億美元來掃空那些家伙輸?shù)舻姆康禺a(chǎn)。
So Wall Street gave us hundreds of millions of dollars to mop up all that real estate these guys had lost.
這很公平，因為每個人都可以做到！對。
Now it's fair because eveybody could do it!Right.
所以當我問一般人“為什么你不使用債務(wù)購買？”
So,you know,when I ask the average guy and said "why not you use debt?"
他們根本無法獲得貸款。因為他們的信用分數(shù)他們的FICO分數(shù)糟透了。
They can't even get a loan.Because their scores,their FICO scores are so bad.
對，沒錯。這就是現(xiàn)今世界正在發(fā)生的事情。
Right,right. So that's what's going on in the world today.
假錢、假老師、假資產(chǎn)。學校老師從來不會教你這些，
It's fake money,fake teachers,fase assets.The school teachers will never tell you that,
因為他們不懂。我的窮爸爸從來不懂這些。他們認為富人都是騙子。
because they don't know it.My poor dad never knew that.And they think the rich are crooks.
富人只是善用法律。規(guī)則都是一樣的。但你必須順從著政府的意向。
The rich just play by different laws.The rules are the same.But you have to do what the government wants you to do.