富爸爸、穷爸爸(英文版)-第26节

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My　wife　and　I　are　not　real　estate　agents。　We　are　strictly　investors。　After　identifying　a　unit　in　a　resort　community；　we　called　an　agent　who　sold　it　to　him　that　afternoon。　The　price　was　a　mere　42；000　for　a　two…bedroom　townhome。　　Similar　units　were　going　for　65；000。　He　had　found　a　bargain。　Excited；　he　bought　it　and　returned　to　Boston。
Two　weeks　later；　the　agent　called　to　say　that　our　friend　had　backed　out。　I　called　immediately　to　find　out　why。　All　he　said　was　that　he　talked　to　his　neighbor；　and　his　neighbor　told　him　it　was　a　bad　deal。　He　was　paying　too　much。
I　asked　Richard　if　his　neighbor　was　an　investor。　Richard　said　〃no。〃　When　I　asked　why　he　listened　to　him；　Richard　got　defensive　and　simply　said　he　wanted　to　keep　looking。
The　real　estate　market　in　Phoenix　turned；　and　by　1994；　that　little　unit　was　renting　for　1；000　a　month…2；500　in　the　peak　winter　months。　The　unit　was　worth　95；000　in　1995。　All　Richard　had　to　put　down　was　5；000　and　he　would　have　had　a　start　at　getting　out　of　the　rat　race。　Today；　he　still　has　done　nothing。　And　the　bargains　in　Phoenix　are　still　here；　you　just　have　to　look　a　lot　harder。
Richard's　backing　out　did　not　surprise　me。　　It's　called　〃buyer's　remorse；〃　and　it　affects　all　of　us。　It's　those　doubts　that　get　us。　The　little　1　chicken　won；　and　a　chance　at　freedom　was　lost。
In　another　example；　I　hold　a　small　portion　of　my　assets　in　tax　lien　certificates　instead　of　CDs。　I　earn　16　percent　per　year　on　my　money；　which　certainly　beats　the　5　percent　the　bank　offers。　The　certificates　are　secured　by　real　estate　and　enforced　by　state　law；　which　is　also　better　than　most　banks。　The　formula　they're　bought　on　makes　them　safe。　They　just　lack　liquidity。　So　I　look　at　them　as　2　to　7…year　CDs。　Almost　every　time　I　tell　someone；　especially　if　they　have　money　in　CDs；　that　I　hold　my　money　this　way；　they　will　tell　me　it's　risky。　They　tell　me　why　I　should　not　do　it。　When　I　ask　them　where　they　get　their　information；　they　say　from　a　friend　or　an　investment　magazine。　They've　never　done　it；　and　they're　telling　someone　who's　doing　it　why　they　shouldn't。　The　lowest　I　yield　I　look　for　is　16　percent；　but　people　who　are　filled　with　doubt　are　willing　to　accept　5　percent。　Doubt　is　expensive。
My　point　is　that　it's　those　doubts　and　cynicism　that　keep　most　people？　poor　and　playing　it　safe。　The　real　world　is　simply　waiting　for　you　to　get　rich。　　Only　a　person's　doubts　keep　them　poor。　As　I　said；　getting　out　of　the　rat　race　is　technically　easy。　It　doesn't　take　much　education；　but　those　doubts　are　cripplers　for　most　people。
〃Cynics　never　win；〃　said　rich　dad。　〃Unchecked　doubt　and　fear　creates　i　a　cynic。　Cynics　criticize；　and　winners　analyze〃　was　another　of　his　favorite　sayings。　Rich　dad　explained　that　criticism　blinded　while　analysis　opened　…《　eyes。　Analysis　allowed　winners　to　see　that　critics　were　blind；　and　to　see　opportunities　that　everyone　else　missed。　And　finding　what　people　miss　is　｜　key　to　any　success。
Real　estate　is　a　powerful　investment　tool　for　anyone　seeking　financial　independence　or　freedom。　It　is　a　unique　investment　tool。　Yet；　every　time　I　mention　real　estate　as　a　vehicle；　I　often　hear；　〃I　don't　want　to　fix　toilets。〃　That's　what　Peter　Lynch　calls　〃noise。〃　That's　what　my　rich　dad　would　say　is　the　cynic　talking。　Someone　who　criticizes　and　does　not
analyze。　Someone　who　lets　their　doubts　and　fears　close　their　mind　instead　of　open　their　eyes。〃
So　when　someone　says；　〃I　don't　want　to　fix　toilets；〃　I　want　to　fire　back；　〃What　makes　you　think　I　want　to？〃　They're　saying　a　toilet　is　more　important　than　what　they　want。　I　talk　about　freedom　from　the　rat　race；　and　they　focus　on　toilets。　That　is　the　thought　pattern　that　keeps　most　people　poor。　They　criticize　instead　of　analyze。
　〃　'I　don't　wants'　hold　the　key　to　your　success；〃　rich　dad　would　say。
Because　I；　too；　do　not　want　to　fix　toilets；　I　shop　hard　for　a　property　manager　who　does　fix　toilets。　And　by　finding　a　great　property　manager　who　runs　houses　or　apartments；　well；　my　cash　flow　goes　up。　But　more　importantly　a　great　property　manager　allows　me　to　buy　a　lot　more　real　estate　since　I　don't　have　to　fix　toilets。　A　great　property　manager　is　key　to　success　in　real　estate。　Finding　a　good　manager　is　more　important　to　me　than　the　real　estate。　A　great　property　manager　often　hears　of　great　deals　before　real　estate　agents　do；　which　makes　them　even　more　valuable。
That　is　what　rich　dad　meant　by　〃　'I　don't　wants'　hold　the　key　to　your　success。〃　Because　I　do　not　want　to　fix　toilets　either；　I　figured　out　how　to　buy　more　real　estate　and　expedite　my　getting　out　of　the　rat　race。　The　people　who　continue　to　say　〃I　don't　want　to　fix　toilets〃　often　deny　themselves　the　use　of　this　powerful　investment　vehicle。　Toilets　are　more　important　than　their　freedom。
In　the　stock　market；　I　often　hear　people　say；　〃I　don't　want　to　lose　money。〃　Well；　what　makes　them　think　I　or　anyone　else　likes　losing　money？　They　don't　make　money　because　they　chose　to　not　lose　money。　Instead　of　analyzing；　they　close　their　minds　to　another　powerful　investment　vehicle；　the　stock　market。
In　December　1996；1　was　riding　with　a　friend　past　our　neighborhood　gas　station。　He　looked　up　and　saw　that　the　price　of　oil　was　going　up。　My　friend　is　a　worry　wart　or　a　〃Chicken　Little。〃　To　him；　the　sky　is　always　going　to　fall；　and　it　usually　does；　on　him。
When　we　got　home；　he　showed　me　all　the　stats　as　to　why　the　price　of　oil　was　going　to　go　up　over　the　next　few　years。　Statistics　I　had　never　seen　before；　even　though　I　already　owned　a　substantial　share　block　of　an　existing　oil　company。　With　that　information；　I　immediately　began　looking　for　and　found　a　new　undervalued　oil　company　that　was　about　to　find　some　oil　deposits。　My　broker　was　excited　about　this　new　company；　and　I　bought　15；000　shares　for　65　cents　per　share。
In　February　1997；　this　same　friend　and　I　drove　by　the　same　gas　station；　and　sure　enough；　the　price　per　gallon　had　gone　up　nearly　15　percent。　Again；　the　〃Chicken　Little〃　worried　and　complained。　　I　smiled　because　in　January　1997；　that　little　oil　company　hit　oil　and　those　15；000　shares　went　up　to　more　than　3　per　share　since　he　had　first　given　me　the　tip。　And　the　price　of　gas　will　continue　to　go　up　if　what　my　friend　says　is　true。
Instead　of　analyzing；　their　little　chicken　closes　their　mind。　If　most　people　understood　how　a　〃stop〃　worked　in　stock…market　investing；　there　would　be　more　people　…investing　to　win　instead　of　investing　not　to　lose。　A　〃stop〃　is　simply　a　computer　command　that　sells　your　stock　automatically　if　the　price　begins　to　drop；　helping　to　minimize　your　losses　and　maximize　some　gains。　It's　a　great　tool　for　those　who　are　terrified　of　losing。
So　whenever　I　hear　people　focusing　on　their　〃I　don't　wants；〃　rather　than　what　they　do　want；　I　know　the　〃noise〃　in　their　head　must　be　loud。　Chicken　Little　has　taken　over　their　brain　and　is　yelling；　〃The　sky　is　falling　and　toilets　are　breaking。〃　So　they　avoid　their　〃don't　wants；〃　but　they　pay　a　huge　price。　They　may　never　get　what　they　want　in　life。
Rich　dad　gave　me　a　way　of　looking　at　Chicken　Little。　　〃Just　do　what　Colonel　Sanders　did。〃　At　the　age　of　66；　he　lost　his　business　and　began　to　live　on　his　Social　Security　check。　It　wasn't　enough。　He　went　around；　the　country　selling　his　recipe　for　fried　chicken。　He　was　turned　down　1；009　times　before　someone　said　〃yes。〃　And　he　went　on　to　become　a
multimillionaire　at　an　age　when　most　people　are　quitting。　　〃He　was　a　brave　and　tenacious　man；〃　rich　dad　said　of　Harlan　Sanders。
So　when　you're　in　doubt　and　feeling　a　little　afraid；　just　do　what　Col。　Sanders　did　to　his　little　chicken。　He　fried　it。
Reason　No。　3。　Laziness。　Busy　people　are　often　the　most　lazy。　We　have　all　heard　stories　of　a　businessman　who　works　hard　to　earn　money。　He　works　hard　to　be　a　good　provider　for　his　wife　and　children。　He　spends　long　hours　at　the　office　and　brings　work　home　on　weekends。　One　day　he　comes　home　to　an　empty　house。　His　wife　has　left　with　the　kids。　He　knew　he　and　his　wife　had　problems；　but　rather　than　work　to　make　the　relationship　strong；　he　stayed　busy　at　work。　Dismayed；　his　　performance　at　work　slips　and　he　loses　his　job。
Today；　I　often　meet　people　who　are　too　busy　to　take　care　of　their　wealth。　And　there　are　people　too　busy　to　take　care　of　their　health。　The　cause　is　the　same。　They're　busy；　and　they　stay　busy　as　a　way　of　avoiding　something　they　do　not　want　to　face。　Nobody　has　to　tell　them。　　Deep　down　they　know。　In　fact；　if　you　remind　them；　they　often　respond　with　anger　or　irritation。
If　they　aren't　busy　at　work　or　with　the　kids；　they're　often　busy　watching　TV；　fishing；　playing　golf　or　shopping。　Yet；　deep　down　they　know　they　are　avoiding　something　important。　　That's　the　most　common　form　of　laziness。　Laziness　by　staying　busy。
So　what　is　the　cure　for　laziness？　The　answer　is　a　little　greed。
For　many　of　us；　we　were　raised　thinking　of　greed　or　desire　as　bad。　〃Greedy　people　are　bad　people；〃　my　mom　use　to　say。　Yet；　we　all　have　inside　of　us　this　yearning　to　have　nice　things；　new　things　or　exciting　things。　So　to　keep　that　emotion　of　desire　under　control；　often　parents　found　ways　of　suppressing　that　desire　with　guilt。
〃You　only　think　about　yourself。　Don't　you　know　you　have　brothers　and　sisters？〃　was　one　of　my　mom's　favorites。　Or　〃You　want　me　to　buy　you　what？〃　was　a　favorite　of　my　dad。　　〃Do　you　think　we'r