CHAPTERONE RichDad,PoorDad社会保险


Rich Dad, Poor Dad

Read by Alison


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大学,大学生 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  [səb’stænʃ(ə)l]incomes  [‘ɪnkʌm]. Yet one
struggled financially all his life. The other would become one of the
richest men in Hawaii [hə’waii:]. 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英 [kærɪz’mætɪk]
超脱凡俗魅力的;神赐能力的 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 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  [ɪn’triɡd  好奇的;被迷住了的.  I began to start
thinking for long periods of time about what each was saying.

Much of my private time was spent reflecting思考, asking myself
questions such as, “Why does he say that?” and then asking the same
question of the other dad’s statement陈述. 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 最终 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 single point
of view.

One of the reasons the rich get richer, the poor get poorer, and the
middle class struggles in debt  is because the subject of money is
taught at home, not in school. Most of us learn about money from our
parents. So what can a poor parent tell their child about money? They
simply say “Stay in school and study hard.” The child may graduate with
excellent grades but with a poor person’s financial programming方案 and
mind-set思考情势. It was learned while the child was young.

Money is not taught in schools. Schools focus on scholastic
[skə’læstɪk] and professional skills, but not on financial skills.
This explains how smart bankers, doctors and accountants who earned
excellent grades in school may still struggle financially all of their
lives. Our staggering 令人震惊的national debt is due 归于 in large part
非常大程度上to highly educated politicians  [,pɒlə’tɪʃənz] and
government officials  making financial decisions with little or no
training  on the subject of money.

I often look ahead to the new millennium  and wonder what will happen 
when we have millions of people who will need financial and medical
assistance. They will be dependent on their families or the government
for financial support. What will happen when Medicare医疗有限援助 and Social
Security社会保证 run out of money? How will a nation survive if teaching
children about money  continues to be left to parents- most of whom will
be, or already are, poor?

Because I had two influential fathers, I learned from both of them. I
had to think about each dad’s advice, and in doing so, I gained valuable
insight  into the power and effect of one’s thoughts on one’s life. For
example, one dad had a habit of saying, “I can’t afford it.” The other
dad forbade 禁止those words to be used. He insisted I say, “How can I
afford it?” One is a statement, and the other is a question. One lets
you off the hook脱困, and the other forces you to think. My
soon-to-be-rich登时有钱的 dad would explain  that by automatically
saying the words “I can’t afford it,” your brain stops working. By
asking the question “How can I afford it?” your brain is put to work. He
did not mean buy everything you wanted. He was fanatical 狂热的 about
exercising your mind, the most powerful computer in the world. “My brain
gets stronger every day because I exercise it. The stronger it gets, the
more money I can make.” He believed that automatically saying “I can’t
afford it” was a sign of mental laziness[‘leɪzɪnɪs]


Although both dads worked hard, I noticed that one dad had a habit of
putting his brain to sleep when it came to money matters, and the other
had a habit of exercising his brain. The long-term result was that one
dad grew stronger financially and the other grew weaker. It is not much
different from a person who goes to the gym to exercise on a regular
basis versus someone who sits on the couch watching television. Proper
physical exercise increases your chances for health, and proper mental
exercise increases your chances for wealth. Laziness decreases both
health and wealth.

My two dads had opposing attitudes in thought. One dad thought that the
rich should pay more in taxes to take care of those less fortunate. The
other said, “Taxes punish those who produce and reward those who don’t

One dad recommended, “Study hard so you can find a good company to work
for.” The other recommended, “Study hard so you can find a good company
to buy.”

One dad said, “The reason I’m not rich is because I have you kids.” The
other said, “The reason I must be rich is because I have you kids.”

One encouraged talking about money and business [ˈbɪznɪs] at the
dinner, table. The other forbade the subject of money to be discussed
over a meal.

One said, “When it comes to money, play it safe 求稳, don’t take risks.”
The other said, “Learn to manage risk.”

One believed, “Our home is our largest investment and our greatest
asset.” The other believed, “My house is a liability债务, and if your
house is your largest investment, you’re in trouble.”

Both dads paid their bills on time, yet one paid his bills first while
the other paid his bills last.

One dad believed in a company or the government taking care of you and
your needs. He was always concerned about pay raises, retirement plans,
medical benefits, sick leave, vacation days and other perks额外津贴(.
He was impressed with对。。。印象深刻 two of his uncles who joined the
military  and earned a retirement and entitlement package 任务;津贴for
life after  twenty years of active service现役. He loved the idea of
medical benefits and PX privileges the military provided its
retirees退休人口. He also loved the tenure system 
[‘tenjə]社会保险,任期制available through the university. The idea of job
protection for life and job benefits seemed more important, at times,
than the job. He would often say, “I’ve worked hard for the government,
and I’m entitled to有权利 these benefits.”

The other believed in total financial self-reliance依靠本人. He spoke
out against 大胆抗议,公然反对the “entitlement”津贴、应得的职责mentality  心态 and how it was creating weak and financially needy
贫困的,必要的people. He was emphatic[ɪm’fætɪk; em-]看重的,着重的
about being financially competent[‘kɒmpɪt(ə)nt].

One dad struggled to save a few dollars. The other simply created

One dad taught me how to write an impressive resume  [rɪˈzjuːm    so I
could find a good job. The other taught me how to write strong business
and financial plans  so I could create jobs.

Being a product of two strong dads allowed me the luxury of observing
the effects  different thoughts have on one’s life. I noticed  that
people really do shape their life through their thoughts.

For example, my poor dad always said, “I’ll never be rich.” And that
prophesy  became reality. My rich dad, on the other hand, always
referred to himself 把哪些称作 as rich. He would say things like, “I’m a
rich man, and rich people don’t do this.” 伊芙n when he was flat
broke身无分文 after a major financial setback , he continued to refer to
把团结称呼himself as a rich man. He would cover修饰,掩饰 himself by
saying, “There is a difference between being poor and being broke. –
Broke is temporary, and poor is eternal.  “

My poor dad would also say, “I’m not interested in money,” or “Money
doesn’t matter.” My rich dad always said, “Money is power.”

The power of our thoughts may never be measured or appreciated, but it
became obvious to me as a young boy to be aware of my thoughts  and how
I expressed myself. I noticed that my poor dad was poor  not because of
the amount of money he earned, which was significant, but because of his
thoughts and actions. As a young boy, having two fathers, I became
acutely清醒的看来 aware of being careful  which thoughts I chose to
adopt as my own. Whom should I listen to-my rich dad or my poor dad?

Although both men had tremendous  大量的 respect for education and
learning, they disagreed in what they thought was important to learn.
One wanted me to study hard, earn a degree and get a good job to work
for money. He wanted me to study to become a professional, an attorney
[ə’tɜːnɪ] or an accountant or to go to business school for my MBA. The
other encouraged me to study to be rich, to understand how money works
and to learn how to have it work for me. “I don’t work for money!” were
words he would repeat over and over, “Money works for me!”

At the age of 9, I decided to listen to and learn from my rich dad about
money. In doing so, I chose not to listen to my poor dad, even though he
was the one with all the college degrees.


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