這是一本投資入門(mén)書(shū)籍，作者是日裔美國(guó)人Robert T. Kiyosaki，投資的觀點(diǎn)在這里變成了小故事，深入淺出，非常易懂。笑來(lái)老師提到的被動(dòng)收入在這本書(shū)有了更詳細(xì)的解釋，這本書(shū)還深刻探討了恐懼變化、害怕投資失敗、無(wú)財(cái)商的害處，并提出了相應(yīng)解決方案。偉大的人成功的法門(mén)都是差不多的，后來(lái)在我看到《洛克菲勒給兒子的38封信》中，看到了太多相似的見(jiàn)解。
1. The rich thinks quite differently:
1) The lack of money is the root of all evil
2) Study hard so you can find a good company to buy.
3) Learn to manage risk
4) My house is a liability, and if your house is your largest investment, you’re in trouble.
5) Financial self-reliance, Financial struggle is often the result of people working all their lives for someone else.Keep expenses low, reduce liabilities, and diligently build a base of solid assets.
6) Created investments,the purpose of the cashflow game: to teach players to think and create new and various financial options. Limiting your options is the same as hanging on to old ideas. Financial intelligence is simply having more options.The single most powerful asset we all have is our mind.?
7) Poor is eternal, money is power, making money working for you.Time is one of your greatest assets.?
2. Rich don't work for money
1)Change, Most people want everyone else in the world to change but themselves. It’s easier to change yourself than everyone else.
2)The poor and the middle class work for money. The rich have money work for them.另外可以用別人的錢(qián)為自己賺錢(qián)，比如借銀行的錢(qián)，曉波老師強(qiáng)調(diào)要敢于負(fù)債，利用財(cái)務(wù)杠桿才會(huì)賺更多的錢(qián)。洛克菲勒也說(shuō)“在我所認(rèn)識(shí)或者是所熟知的富翁中，僅憑自己點(diǎn)滴積累的錢(qián)財(cái)創(chuàng)造巨額財(cái)富的人是少之又少呀！而大多數(shù)則是依靠借貸的方式發(fā)達(dá)起來(lái)的。這就好比說(shuō)是百元的買(mǎi)賣(mài)總是會(huì)比一元的買(mǎi)賣(mài)賺得多一樣，沒(méi)有多么深刻的道理，其實(shí)就是這么簡(jiǎn)單。但是那些膽小的人們卻總是不敢去相信這一道理。”
3)Most people want to play it safe and feel secure. So passion does not direct them. Fear does. Most people become a slave to money.Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.?
4)How to do: to avoid the trap caused by those two emotions, fear and desire. Use them in your favor, not against you.
5)Keep using your brain, work for free, and soon your mind will show you ways of making money far beyond you wish. (Use our imaginations to identify an opportunity to make money, eg comic store)
《洛克菲勒給兒子的38封信》中也有相同的觀點(diǎn)：我一直視“努力工作定會(huì)致富”為謊言，從不把為別人工作當(dāng)作積累可觀財(cái)富和上策，相反，我非常篤信為自己工作才能富有。我采取的一切行動(dòng)都忠于我的偉大夢(mèng)想和為實(shí)現(xiàn)這一夢(mèng)想而不斷達(dá)成的各個(gè)目標(biāo)。
3. How to face change?
1) I find so many people struggling today,often working harder, simply because they cling to old ideas. They want things to be the way they were,and they resist change. I recognized that it was excessive fear and self-doubt that were the greatest detractors of personal genius.your financial genius requires both technical knowledge as well as courage.I’d rather welcome change than cling to the past.
洛克菲勒說(shuō)“沒(méi)有將自己的思想付諸實(shí)際行動(dòng)的人們，都有一個(gè)通病——安于現(xiàn)狀，拒絕改變。很多人因?yàn)閮?nèi)心里對(duì)未知世界感到恐懼，所以他們拒絕改變，即使是現(xiàn)實(shí)生活令他們感到不滿，他們也不愿意戰(zhàn)勝自己內(nèi)心里的恐懼感而去改變身邊的一切?！敝挥性诓蛔兊沫h(huán)境中，他們的思維才是安全的。
2) To avoid the trap caused by those two emotions, fear and desire. Use them in your favor, not against you. I do it because it is the most exciting time to be alive. I’d rather be welcoming change. So why bother developing your financial IQ? Because if you do, you will prosper greatly
3) The briar patch is our fear and greed. Confronting fear, weaknesses, and neediness by choosing our own thoughts is the way out. Most people are too afraid to rationally think things through and instead run out the door to a job they hate.
4. What does fortune freedom mean?
1) For us, it means that, barring unforeseen cataclysmic changes, we can work or not work, and our wealth grows automatically, staying ahead of in?ation. Our assets are large enough to grow by themselves. Wealth is a person’s ability to survive so many number of days forward—or, if I stopped working today, how long could I survive?
2) If people are prepared to be ?exible,keep an open mind and learn, they will grow richer and richer despite tough changes. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.
3) I caution them that in the long run,it’s not how much money you make. It’s how much you keep, and how many generations you keep it.
4) If you want to be rich, simply spend your life buying assets. Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets. “Assets put money in your pocket, a liability is something that takes money out of my pocket”
5) The fear of being di?erent prevents most people from seeking new ways to solve their problem.
5. How to find opportunity?
1) Great opportunities are not seen with your eyes. They are seen with your mind. Most people never get wealthy simply because they are not trained financially to recognize opportunities right in front of them.
2) Develop three main skills: Find an opportunity that everyone else missed, Raise money (you need to learn how to do that which stops most people）,Organize smart people.
3)There is a lot to learn, but the rewards can be astronomical,There is always risk, so learn to manage risk instead of avoiding it.
6.About greedy.
1) So what is the cure for laziness? The answer is—a little greed. “I can’t a?ord it” shut down your brain. “How can I a?ord it?” opens up possibilities, excitement, and dreams. Now the “wants.” I want to be free to travel the world and live in the lifestyle I love, without a strong reason or purpose, anything in life is hard.
2) Make daily choices: the power of choice,I chose to be rich, and I knew that all I had to do was learn to acquire assets, real assets. Most people choose not to be rich. For 90 percent of the population, being rich is too much of a hassle. So they invent sayings that go: “I’m not interested in money.” “I’ll never be rich.” “I don’t have to worry.I’m still young.”
3) Think more and not afraid of bargain,Look for people who want to buy first. Then look for someone who wants to sell. Small people remain small because they think small, act alone, or don’t act all.
7. The key to financial freedom
All a real investor does is convert earned income into passive and portfolio income. If you know what you’re doing, investing is not risky. It’s just common sense.
Take action ! 洛克菲勒也強(qiáng)調(diào)行動(dòng)的重要性：在你沒(méi)有采取任何行動(dòng)的情況下，人世間再美麗、再實(shí)用、再可行的哲理對(duì)你也沒(méi)有任何意義。要想在你的一生中取得理想的成果，擁有卓爾不凡的才智以及過(guò)人的學(xué)識(shí)那是再好不過(guò)的了，但是沒(méi)有這些也無(wú)可厚非，只要你肯采取行動(dòng)、努力工作，你就會(huì)離成功的巔峰越來(lái)越近了。
