富爸爸、穷爸爸(英文版)-第3章

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schools　spend。　How　can　the　education　system　teach　a　subject　that　it　does　not　know？〃
So　how　does　a　parent　teach　their　children；　what　the　school　does　not？　How　do　you　teach　accounting　to　a　child？　Won't　they　get　bored？　And　how　do　you　teach　investing　when　as　a　parent　you　yourself　are　risk　averse？　Instead　of　teaching　my　children　to　simply　play　it　safe；　I　decided　it　was　best　to　teach　them　to　play　it　smart。
〃So　how　would　you　teach　a　child　about　money　and　all　the　things　we've　talked　about？〃　I　asked　Robert。　〃How　can　we　make　it　easy　for　parents　especially　when　they　don't　understand　it　themselves？〃
〃I　wrote　a　book　on　the　subject；　〃　he　said。
〃Where　is　it？〃
〃In　my　computer。　It's　been　there　for　years　in　random　pieces。　I　add　to　it　occasionally　but　I've　never　gotten　around　to　put　it　all　together。　I　began　writing　it　after　my　other　book　became　a　best　seller；　but　I　never　finished　the　new　one。　It's　in　pieces。〃
And　in　pieces　it　was。　After　reading　the　scattered　sections；　I　decided　the　book　had　merit　and　needed　to　be　shared；　especially　in　these　changing　times。　We　agreed　to　co…author　Robert's　book。
I　asked　him　how　much　financial　information　he　thought　a　child　needed。　He　said　it　would　depend　on　the　child。　He　knew　at　a　young　age　that　he　wanted　to　be　rich　and　was　fortunate　enough　to　have　a　father　figure　who　was　rich　and　willing　to　guide　him。　Education　is　the　foundation　of　success；　Robert　said。　Just　as　scholastic　skills　are　vitally　important；　so　are　financial　skills　and　communication　skills。
What　follows　is　the　story　of　Robert's　two　dads；　a　rich　one　and　a　poor
one；　that　expounds　on　the　skills　he's　developed　over　a　lifetime。　The　contrast　between　two　dads　provides　an　important　perspective。　The　book　is　supported；　edited　and　assembled　by　me。　For　any　accountants　who　read　this　book；　suspend　your　academic　book　knowledge　and　open　your　mind　to　the　theories　Robert　presents。　Although　many　of　them　challenge　the　very　fundamentals　of　generally　accepted　accounting　principles；　they　provide　a　valuable　insight　into　the　way　true　investors　analyze　their　investment　decisions。
When　we　as　parents　advise　our　children　to　〃go　to　school；　study　hard　and　get　a　good　job；〃　we　often　do　that　out　of　cultural　habit。　It　has　always　been　the　right　thing　to　do。　When　I　met　Robert；　his　ideas　initially　startled　me。　Having　been　raised　by　two　fathers；　he　had　been　taught　to　strive　for　two　different　goals。　His　educated　dad　advised　him　to　work　for　a　corporation。　His　rich　dad　advised　him　to　own　the　corporation。　Both　life　paths　required　education；　but　the　subjects　of　study　were　completely　different。　His　educated　dad　encouraged　Robert　to　be　a　smart　person。　His　rich　dad　encouraged　Robert　to　know　how　to　hire　smart　people。
Having　two　dads　caused　many　problems。　Robert's　real　dad　was　the　superintendent　of　education　for　the　state　of　Hawaii。　By　the　time　Robert　was　16；　the　threat　of　〃If　you　don't　get　good　grades；　you　won't　get　a　good　job〃　had　little　effect。　He　already　knew　his　career　path　was　to　own　corporations；　not　to　work　for　them。　In　fact；　if　it　had　not　been　for　a　wise　and　persistent　high　school　guidance　counselor；　Robert　might　not　have　gone　on　to　college。　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

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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　completed　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　incomes。　Yet　one　struggled　financially　all　his　life。　The　other　would　become　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　recommend　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；　comparing　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