读英语原著《Rich Dad Poor Dad》，提高你的财商（富爸爸穷爸爸）

写在前面

大多数人努力工作奋斗终身却仍然不能致富，甚至负债累累，因为学校从来不教授金钱的知识，所以他们只知道为钱而拼命工作，却从不学习如何让钱为自己工作……

1999年4月，全球著名投资教育家人罗伯特·清崎和注册会计师、资深经理和咨询专家莎伦·L·莱希特一起写了《Rich Dad Poor Dad》一书，中文翻译是《富爸爸穷爸爸》，首次提出了财商概念，英文缩写为FQ（Financial Quotient）。这本书发行109个国家，总销量突破2900万册，英文版连续6年高居《纽约时报》畅销书排行榜榜首，中文版连续18个月蝉联全国畅销书排行榜冠军。

财商对我们来说是迫切需要培养的一种能力，是与智商、情商并列的现代社会能力三大不可或缺的素质，是人作为经济人在经济社会中的生存能力。

这本书的作者以自己亲身经历的财富故事，展示了“穷爸爸”和“富爸爸”截然不同的金钱观和财富观：穷人为钱工作，富人让钱为自己工作，并提出切实有效的投资策略和理财方法，指导人们创造和守住财富，最终走上财务自由之路。

学习笔记

我在阅读这本书的过程中勾画了些能够体现重点思想的句子，整理出来。

1. There is a difference between being poor and being broke. Broke is temporary. Poor is eternal.

broke:having no money at all or very little money.

temporary:continuing for only a limited period of time.

eternal:continuing for ever and having no end.

2. People’s lives are forever controlled by two emotions: fear and greed.

greed:a strong desire for more food, money, power, possessions etc than you need.

3. The poor and the middle class work for money. The rich have money work for them.

class:a group of people within a society who have the same economic and social position.

4. It’s not how much money you make. It’s how much money you keep.

5. Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets. An asset puts money in my pocket. A liability takes money out of my pocket.

acquire:to get or buy something.

asset:something having value, such as a possession or property, that is owned by a person, business, or organization.

liability:the amount of money that a person or organization owes.

6. The rich focus on their asset columns while everyone else focuses on their income statements.

column:a line of numbers or words written under each other that goes down a page.

statement:a piece of paper that lists financial details.

7. Financial struggle is often the result of people working all their lives for someone else.

8. If you work for money, you give the power to your employer. If money works for you, you keep the power and control it.

9. The single most powerful asset we all have is our mind. If it is trained well, it can create enormous wealth.

enormous:extremely large or great.

10. Great opportunities are not seen with your eyes. They are seen with your mind.

11. The primary difference between a rich person and a poor person is how they manage fear.

12. For most people, the reason they don’t win financially is because the pain of losing money is far greater than the joy of being rich.

13. There is gold everywhere. Most people are not trained to see it.

14. Failure inspires winners. Failure defeats losers.

这本书的用词非常简单，读起来比较容易，开头阶段是这样子的，可以感受下：

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 always struggled financially. 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 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 that the rich man was not rich yet, and the poor man was 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 money.

温馨提示

这本书大概210页，我用一周的零散时间看完了。这是一本可以帮助我们树立财富观的启蒙书，我读完后觉得很有意思，也很有用。这本书还有相应的有声书，读完后也可以找来没事的时候听一听。