富爸爸、穷爸爸(英文版)-第4节

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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　produce。〃
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　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；　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；　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。　He　was　impressed　with　two　of　his　uncles　who　joined　the　military　and　earned　a　retirement　and　entitlement　package　for　life　after　twenty　years　of　active　service。　He　loved　the　idea　of　medical　benefits　and　PX　privileges　the　military　provided　its　retirees。　He　also　loved　the　tenure　system　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　these　benefits。〃
The　other　believed　in　total　financial　self…reliance。　He　spoke　out　against　the　〃entitlement〃　mentality　and　how　it　was　creating　weak　and　financially　needy　people。　He　was　emphatic　about　being　financially　competent。
One　dad　struggled　to　save　a　few　dollars。　The　other　simply　created　investments。
One　dad　taught　me　how　to　write　an　impressive　resume　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　as　rich。　He　would　say　things　like；　〃I'm　a　rich　man；　and　rich　people　don't　do　this。〃　Even　when　he　was　flat　broke　after　a　major　financial　setback；　he　continued　to　refer　to　himself　as　a　rich　man。　He　would　cover　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　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　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　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。

A　Lesson　From　Robert　Frost

Robert　Frost　is　my　favourite　poet。　Although　I　love　many　of　his　poems；　my　favorite　is　The　Road　Not　Taken。　I　use　its　lesson　almost　daily：

The　Road　Not　Taken

Two　roads　diverged　in　a　yellow　wood；　And　sorry　I　could　not　travel　both　And　be　one　traveler；　long　I　stood　And　looked　down　one　as　far　as　I　could　To　where　it　bent　in　the　undergrowth；
Then　took　the　other；　as　just　as　fair；　And　having　perhaps　the　better　claim；　Because　it　was　grassy　and　wanted　wear　Though　as　for　that　the　passing　there　Had　worn　them　really　about　the　same；
And　both　that　morning　equally　lay　In　leaves　no　step　had　trodden　black。　Oh；　I　kept　the　first　for　another　day！　Yet　knowing　how　way　leads　onto　way；　I　doubted　if　I　should　ever　come　back。
I　shall　be　telling　this　with　a　sigh　Somewhere　ages　and　ages　hence；　Two　roads　diverged　in　a　wood；　and　I　took　the　one　less　traveled　by；　And　that　has　made　all　the　difference。
Robert　Frost（1916）

And　that　made　all　the　difference。
Over　the　years；　I　have　often　reflected　upon　Robert　Frost's　poem。　Choosing　not　to　listen　to　my　highly　educated　dad's　advice　and　attitude　about　money　was　a　painful　decision；　but　it　was　a　decision　that　shaped　the　rest　of　my　life。
Once　I　made　up　my　mind　whom　to　listen　to；　my　education　about　money　began。　My　rich　dad　taught　me　over　a　period　of　30　years；　until　I　was　age　39。　He　stopped　once　he　realized　that　I　knew　and　fully　understood　what　he　had　been　trying　to　drum　into　my　often　thick　skull。
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。　The　reason　positive　thinking　alone　does　not　work　is　because　most　people　went　to　school　and　never　learned　how　money　works；　so　they　spend　their　lives　working　for　money。
Because　I　was　only　9　years　old　when　I　started；　the　lessons　my　rich　dad　taught　me　were　simple。　And　when　it　was　all　said　and　done；　there　were　only　six　main　lessons；　repeated　over　30　years。　This　book　is　about　those　six　lessons；　put　as　simply　as　possible　as　my　rich　dad　put　forth　those　lessons　to　me。　The　lessons　are　not　meant　to　be　answers　but　guideposts。　Guideposts　that　will　assist　you　and　your　children　to　grow　wealthier　no　matter　what　happens　in　a　world　of　increasing　change　and　uncertainty。

Lesson　#1　The　Rich　Don't　Work　for　Money
Lesson　#2　Why　Teach　Financial　Literacy？
Lesson　#3　Mind　Your　own　Business
Lesson　#4　The　History　of　Taxes　and　the　　Power　of　Corporations
Lesson　#5　The　Rich　Invent　Money
Lesson　#6　Work　to　Learn　Don't　Work　for　Money

CHAPTER　TWO　
Lesson　One：　The　Rich　Don't　Work　For　Money

〃Dad；　Can　You　Tell　Me　How　to　Get　Rich？〃
My　dad　put　down　the　evening　paper。　〃Why　do　you　want　to　get　rich；　son？〃
〃Because　today　Jimmy's　mom　drove　up　in　their　new　Cadillac；　and　they　were　going　to　their　beach　house　for　the　weekend。　He　took　three　of　his　friends；　but　Mike　and　I　weren't　invited。　They　told　us　we　weren't　invited　because　we　were　‘poor　kids'。〃
〃They　did？〃　my　dad　asked　incredulously。
〃Yeah；　they　did。〃　I　replied　in　a　hurt　tone。
My　dad　silently　shook　his　head；　pushed　his　glasses　up　the　bridge　of　his　nose　and　went　back　to　reading　the　paper。　I　stood　waiting　for　an　answer。
The　year　was　1956。　I　was　9　years　old。　By　some　twist　of　fate；　I　attended　the　same　public　school　where　the　rich　people　sent　their　kids。　We　were　primarily　a　sugar　plantation　town。　The　managers　of　the　plantation　and　the　other　affluent　people　of　the　town；　such　as　doctors；　business　owners；　and　bankers；　sent　their　children　to　this　school；　grades　1　to　6。　After　grade　6；　their　children　were　generally　sent　off　to　private　schools。　Because　my　family　lived　on　one　side　of　the　street；　I　went　to　this　school。　Had　I　lived　on　the　other　side　of　the　street；　I　would　have　gone　to　a　different　school；　with　kids　from　families　more　like　mine。　After　grade　6；these　kids　and　I　would　go　on　to　the　public　intermediate　and　high　school。　There　was　no　private　school　for　them　or　for　me。
My　dad　finally　put　down　the　paper。　I　could　tell　he　was　thinking。
〃Well；　son；〃　he　began　slowly。　〃If　you　want　to　be　rich；　you　have　to　learn　to　make　money。〃
〃How　do　I　make　money？〃　I　asked。
〃Well；　use　your　head；　son；〃　he　said；　smiling。　Which　really　meant；　〃That's　all　I'm　going　to　tell　you；〃　or　〃I　don't　know　the　answer；　so　don't　embarrass　me。〃

A　Partnership　Is　Formed

The　next　morning；　I　told　my　best　friend；　Mike；　what　my　dad　had　said。　As　best　I　could　tell；　Mike　and　I　were　the　only　poor　kids　in　this　school。　Mike　was　like　me　in　that　he　was　in　this　school　by　a　twist　of　fate。　Someone　had　drawn　a　jog　in　the　line　for　the　school　district；　and　we　wound　up　in　school　with　the　rich　kids。　We　weren't　really　poor；　but　we　felt　as　if　we　were　because　all　the　other　boys　had　new　baseball　gloves；　；；；y
new　bicycles；　new　everything。
Mom　and　dad　provided　us　with　the　basics；　like　food；　shelter；　clothes。　：；　But　that　was　about　it。　My　dad　used　to　say；　〃If　you　want　something；　work　for　it。〃　We　wanted　things；　but　there　was　not　much　work　available　for　9…　；　year…old