The essence of five good books on wealth and freedom

First, define the standard of wealth and freedom .

2021 year 3 month 31 Japan , Issued by Hurun Research Institute and Baifu Zhongxin 《2021 Hurun wealth freedom threshold 》 According to the report , The threshold of entry-level wealth and freedom in China's first tier cities 1900 Ten thousand yuan , intermediate 6500 Ten thousand yuan , senior 1.9 One hundred million yuan . The threshold of entry-level wealth and freedom in second tier cities is 1200 ten thousand , The threshold of entry-level wealth and freedom in third tier cities is 600 ten thousand .

therefore , Wealth freedom , stay 2021 year , yes 600 ten thousand ～1900 Thousands of yuan , This is the threshold for entry .

Look at the definition of wealth freedom ：

Bodo of Germany • Scheffer is called “ Europe Buffett ”. He thinks that ： Financial freedom , As the name suggests, it is a state of freedom . In this state , Do not use the principal , Interest only , You can travel 、 Study 、 entertainment 、 Purchase household appliances, etc .

This article excerpts 5 The point of this book , It is best to understand , Because man can only practice what he can understand .

If you don't understand , You can think about it slowly .

Maybe one day you will have an epiphany .

Mainly this 5 This book

《 Wealth freedom ： The principles and methods of accumulating wealth for rich people of civilian origin 》 〔 beautiful 〕 Thomas ·J. Stanley , Sara · Stanley · Flo . 

《 The road to financial freedom ：7 Make your first in a year 1000 ten thousand 》 〔 Virtue 〕 Bodo · Sheffield . 

《 money ：7 Step to create lifetime income 》 〔 beautiful 〕 Tony · Robbins .

《 The logic of the rich ： How to create wealth , How to keep wealth 》 〔 Virtue 〕 reina • Zieterman . 

《 Rich dad's road to financial freedom : Magical cash flow quadrant 》 〔 beautiful 〕 Robert · Kiyosaki ; Sharon · Lechte .

This article will summarize each book 10 About the essence .

If you have time , I wrote an article to integrate these essence .

One 、《 Wealth freedom ： The principles and methods of accumulating wealth for rich people of civilian origin 》

The author of this book is father and son , Father Thomas ·J. Stanley is a professor at the University of Georgia business school , since 1973 He has been studying the life and theory of millionaires since , Is the authority on millionaire research . My son is Sarah · Stanley · Flo is an American data point company （Data Points） The founder and President of , The company has created the industry's first personal wealth assessment model based on biological data .

They analyze through observation “ millionaire ” Our behavior and living habits , Come up with how we should get rich . Inside “ millionaire ” In fact, it is the group of people from the middle class to the rich , It is estimated to be millions of dollars smaller .

The main ideas in the book are as follows ：

1、 They almost all 61 year （ About occupy 87%）. Most people are 50 People who start to be rich after the age of . More than 60% of the people think that the role of thrift in success cannot be ignored , Nearly 70% of people think their parents are very frugal .

The most expensive jeans they wear cost 50 dollar , The most expensive sunglasses are 150 dollar , The most expensive watch costs 300 dollar . They don't drive luxury cars , The age of the car is also 3 In the above .

Millionaires don't need to show off their financial strength by buying luxury goods and expensive houses . Their achievement is their Medal of success . Economic independence is one of their medals of success .

contrary , Those who have not entered the affluent class are not surprisingly keen to show their spending power , Usually , This will keep them in a state of high consumption .

2、 We find those who are indifferent to others , A person who does not need or have the motivation to show his status to others , More likely to be economically successful . What we call indifference , Just don't care about other people's cars 、 Clothes to wear and things to buy . Those who show a high degree of indifference to all consumption categories have a better chance of accumulating wealth . 

3、 The greatest threat to wealth creation is the people around us . If you live in an expensive house in an upscale community , Your behavior and shopping habits will gradually move closer to your neighbors , The richer this community is , The more money residents spend on each product and service .

One of the key factors to create wealth , You have to live in a house that can easily afford all kinds of expenses . Affordable housing refers to the monthly housing cost （ Including mortgages 、 Principal and interest on insurance and taxes ） Less than% of the total household income 28%.

4、 Choose a new and promising career ; Choose a career you like ; Always strive to be a leader in your field . If you are the elite in your industry , Money will automatically run into your pocket .

5、 How frugal parents are and whether parents are willing to teach their children how to manage money , Will affect the child's wealth ability .

Parents should ：1、 Encourage children to save money .2、 Let children pay for their own electronics （ Including the latest smartphones ）.3、 Teach them to be responsible for consumer goods , Respect your toys .4、 Save money for your child's college education （ Parents and children do ）.

6、 Make your family economically productive . Among millionaires 80% Fifty percent of people believe that partners play a very important role in the path to wealth and success , Economically successful couples tend to work together financially , And there is no dispute about the goal pursued and how to achieve it . Anyway? , At least your spouse can't be a high spender .

7、 A family always needs one person to manage its finances , That is, families need one “ Family CFO ”, He creates every year 、 management 、 explain 、 Negotiate and maintain household budgets , And monitor expenditure and savings activities related to the above budget . He needs to plan for the financial security and stability of his family , Such as retirement plan 、 Children's tuition savings plan, etc . Eliminating debt is one of his priorities .

8、 super 90% Of millionaires regard self-control as an essential element of success . Economic independence belongs to those who are willing to allocate time 、 money 、 People who have the energy and cognitive resources to achieve financial goals .

Equally important are toughness and perseverance . You must have the determination to ignore the pain caused by other things , Keep moving towards your goal . People think of you like a cloud , As long as you believe you can succeed , Success will belong to you . This is the common experience of millionaires .

9、 super 90% The rich believe that they have the investment ability that most people do not have .

10、 Learn from those who have achieved financial success , Not those who pretend to be rich .

The suggestions of different Taoists cannot be trusted .

Two 、《 The road to financial freedom ：7 Make your first in a year 1000 ten thousand 》

The author of this book Bodo • Schaefer is a top financial master in Germany , Known as the “ Europe Buffett ”.1960 year 9 month 10 Born in Cologne, Germany , I have witnessed all kinds of pain brought by poverty since childhood .16 I went to America alone at the age of ,26 At the age of, I was in financial crisis , With a strong will and correct investment philosophy , Successfully get rid of debt , To achieve financial freedom .

Bodo is determined to spread his secret of getting money and his theory of getting rich successfully to the public . He gave lectures and wrote books all over the world . His 《 The winner's rule 》 Become the best seller in Germany ,《 Dog money 》 More than ten million copies have been sold worldwide .

1、 Financial freedom , As the name suggests, it is a state of freedom . In this state , Do not use the principal , Interest only , You can travel 、 Study 、 entertainment 、 Purchase household appliances, etc .

150 The multiple principle ： If you need a monthly 20000 Yuan can meet all your needs , that , The money should be 20000*150=300 Ten thousand yuan . The interest rate here is set at 8%.

The pursuit of financial freedom is not because of the worship of money , But because they don't want to be slaves to money , So that he won't do things he doesn't like for money ; The pursuit of financial freedom is not to enjoy luxury , It's about living a comfortable and dignified life for yourself and your family .

2、 Millionaires are distributed in the following proportions ：74% It's an entrepreneur ;10% Top managers （ Especially at the board level ）;10% Is a freelancer （ Mainly doctors 、 Architects and lawyers ）;5% It's a salesperson ;1% It's something else .

3、 Everyone must make clear decisions in life ： Do you want to optimize yourself or weaken yourself .

Optimizing yourself means , Learn how to use your time in the best way 、 Method 、 can 、 Money and cooperation with others , The aim is to achieve optimal results . Most people live without a plan , At the same time, it also weakens itself . Many people live a life of muddling along .

Bodo • Sheffer said ：“ I read about every year 150 This book , Among them is 50 Ben read it during his vacation . During the Christmas holidays , I will sum up the past year and plan for the new year . For every area of life , I always set goals . In my cognitive notes , I record what I have learned . Every failure is a lesson . To ensure that the same mistake will not be made again , I recorded them all .”

4、 Build your career on your greatest interests . Take a moment to analyze , What are you really interested in , What is your talent . Then you will be able to work in a job that you are both interested in and can make money .

Only when you do something that fills you with enthusiasm and strength , We are really at our best . A man who has never made himself happy for a long time 、 People who do meaningful things , Never know , How much potential is there in his body .

Do you know why most people don't do what they are really interested in ？ Because they are short of money . There is such a vicious circle ： Many people do not engage in the work they are interested in , Because they don't know how to make money from it ; They also choose to stay in the original jobs they don't like , Do a job you don't like , then , And you can't make money .

A few years ago, I met a rich man in New York , He hung a motto over his desk ：“ People who work all day have no time to make money .”  I asked him “ What to think about ”, He replied ：“ Know yourself , Find out what you're really interested in . Then think about how you can make money with your hobbies . It's best to ask yourself these questions every day , Find the most satisfactory answer step by step .”

5、 Spend your time only on activities that earn a lot of money , Clearly summarize such activities in your field . Many people are capable of doing most of the work you are doing , But only a few people know how to focus only on activities with high income .

6、 Thomas of the University of Georgia, USA · Dr Stanley , after 12 Years of studying the lives of the rich . He came to the conclusion that ： The most satisfied person in the world , Its dream 、 The goal is 、 sense of worth 、 Strategic actions are coordinated .

Try to think about it often ： Your dream ： Suppose you have unlimited time and money , What can you do? ？ Your goal ： What kind of person do you want to be ？ What do you want to do ？ What do you want ？ Your values ： For you, , What is really important ？ Why? ？ Your strategy ： What knowledge do you need 、 Ability and plan ？

Everyone who has achieved a big goal , At the beginning, I will use 90% The energy to solve ” Why? “, And the only 10% The energy to solve ” How do you do it? “ The problem of .

7、 Invest extra money in stocks （ Only about 50% Capital purchase , rest 50% Used for replenishment ）, buy 5～10 only （ Industry leader , Buy completely different industries ）, But don't exceed 10 only . Never put your old capital into the stock market .

About replenishment ： Only strictly abide by the law , Cover strategy can be fully effective . Only the share price has fallen by at least 30% To cover the position for the first time . and , There should be about... From the first purchase to the low price covering 6 A time interval of months . The same is true for the second replenishment . If you rush to cover your position for the first time , Then the second position covering must wait until the stock price falls again 30% And it will not be implemented until at least another half a year .

8、 Investors should be able to get regular income from investment projects . The flow of cash tells everything . Debt makes money leave you in the end , Investing increases your income . When you get a loan to buy a house , You need to pay interest every month . Money will flow out of your pocket , therefore , For you , Your house is not an investment , It's debt .

Even if you pay off your mortgage , Your house is still a debt . Because you have to keep paying some fees ： Taxation , insurance premium , Maintenance costs , Decoration fee , Property expenses . It's best not to think of a house as an investment asset , It should be regarded as a luxury asset .

9、 You need at least one mentor .99% All the outstanding people have had mentors . The best chance to meet an expert is to attend a seminar . Form the habit of meeting a successful person every month . Think carefully about what you can do for each other before each meeting . Put yourself in the other person's shoes .

Dealing with successful people , It's easy to succeed yourself . It often takes a thick skin to get to know an expert , Keep in regular contact with your tutor , Give a portion of the benefits to the tutor , Make the interests of the tutor more closely integrated with your interests .

Win the tutor's heart （ In terms of career , Or are you more considerate in your life ）, Suggestions for tutors , After implementation, you need to give feedback to your tutor , Thank your mentor for your success . 

10、 There are two steps in saving habits . First step , Of monthly storage revenue 10%, The money is not available （ This is it. “ Pay yourself first ”）, It is a goose that lays golden eggs . The second step , Save a consumer fund , It is used to purchase the large commodities planned to be purchased , Or large expenditures such as tourism , For example, set aside every month 5% Of money is spent on luxury goods , Save enough to buy .

Think of yourself as a financial expert ： Live in the present , And prepare for the future .

When you achieve financial security , You shouldn't use your principal anymore . We must clarify an important principle ： You can never kill you “ goose ”, You can't cut it into small pieces . Never use your principal , All your dreams , With the help of golden eggs .

11、 Don't wait for your ability to do it . Delegate power as soon as possible , Delegate power to what others can do , Focus your free time on activities that pay well . As long as you earn more money than you pay the people who help you , The bill will never bother you .

Most companies want to grow first , Only in this way can you have the money to hire the employees you need . And the right thing to do is ： Hire these people as soon as possible , To help the company grow faster .

12、 If you don't make mistakes often , That means you're not taking enough risks , Did not make the best effort . Mistakes make people accumulate experience , Experience helps you make the right decisions quickly .IBM The founder of Thomas · John · Watson once said ：“ In my company , Want to make achievements , You have to make double mistakes .” 

3、 ... and 、《 money ：7 Step to create lifetime income 》

By Tony • Robbins （Tony Robbins） He is a best-selling writer 、 Entrepreneurs and philanthropists . He became rich by teaching success , Then through investment and financial management , Become more successful .

He has consulted many world celebrities , Including Mandela 、 Gorbachev 、 Clinton 、 Diana et al .

1、 All wealth , All investment begins with saving . The most important step , Is to take your monthly income 10%～20% Save up , For investment . You only have the ability to be systematic 、 Keep saving in a planned way , To create your future financial freedom on this basis .

t-bag · Johnson's first job was as a courier .1924 year , He joined the newly established UPS, To work hard , Continuous promotion , But his annual income never exceeded 14000 dollar , Every time he gets paid , Will take out 20% As savings , Every time I receive the year-end bonus, I will take out 20% As savings . He used the money to buy UPS Shares .

t-bag · Johnson has a large family to feed , Monthly water charge 、 Electricity fees 、 A lot of gas bills have to be paid , But for Theodore · For Johnson , These bills are important though , But his commitment to his future is more important —— He decided to save every month 20% The income of the , He must take it out .

UPS The stock split more and more , In addition, I have inherited the good patience of the previous generation , When he is old 90 At the age of , The market value of these shares exceeds 7000 Thousands of dollars . He donated more than 3600 Million dollars to various educational undertakings , This includes donations 360 Million dollars to two deaf schools , Because he was from 20 century 40 It has been almost inaudible since the s . He is still there. UPS Set up a University Scholarship , To help the children of company employees go to college .

2、 Use your savings to buy passive index funds .

90% In fact, most people can't win the market , So buy index funds , Fixed investment index fund , Follow the market , You can beat most people . According to statistics ,96% Active funds , Performance fails to match or beat the market , This is true for any duration .

John, the godfather of index funds · Borg said , The performance of fund managers depends more on luck than on ability , Let me give you an example ： If you find 1024 personal , Get together in a room , Let's play coin tossing . You tell them to throw together , Throw continuously 10 Time , So this 1024 There will be 1 Personal continuity 10 Sub head up . You would say ：“ This guy is so lucky .” Isn't it ？ But in the fund industry , You would say ：“ You're a genius .”

3、 What you get will never bring you lasting happiness , But what kind of person are you , What have you given , It will bring you long-term happiness . As Winston · What Churchill said ：“ We live by what we get , But we live by what we give .”

4、 In the past , Our goal in life is to get rich , then 40 Retire early at . Now our goal is to get rich , Then work until 90 year .

5、 What are the three biggest challenges facing all of us ？ Our investment and financial management , Our relationship , Our health . Your state is important . You just need to know to change your body first , Then you can change your mind .

6、 At any moment when a decision is made , The best thing you can do is do the right thing , The second best thing is to do the wrong thing , And the worst thing you can do , Just don't do anything .

7、 The best way to change your life is to find successful people who have successfully achieved the same goals as you , Then you just need to imitate their behavior .

8、 Personal financial goals ： Financial security ： Solve the housing problem 、 Water and electricity 、 having dinner 、 traffic 、 Insurance and so on ; Financial independence ： Further solve the problem of dressing 、 entertainment 、 Additional needs such as food ; Financial freedom ： Quality of life .

There is a young man in my high-end course , When I ask how much financial freedom costs , He stood up and answered “10 Billion dollars ”, He said he needed a private plane and a private island , I said I didn't need so much money to realize his dream .

I said you could rent a private plane , You can rent a resort , And there is no need to consider the maintenance of those facilities . Analyze it carefully , It only needs 1000 Thousands of dollars , He can realize all his dreams , And you don't have to work to make money to maintain this lifestyle —— You know, his dream is surprisingly big .

People's minds don't seem to be able to figure out what a big number really means ,100 Ten thousand seconds ago, how long ago ？10 Billion seconds ago is equivalent to how long ago ？1 Trillions of seconds is equivalent to how long ？ The answers are ：12 God 、32 year 、32000 year . Want to earn 100 Wanhe wants to earn 10 Billion , That is not an order of magnitude .

9、 There should be an asset allocation scheme , And regularly balance . Swiss · Dalio gave the following asset allocation plan in a big way ： First of all , We need to take 30% Our assets are allocated to stocks .（ In this basket , We should further diversify investment , You can buy stock index funds , Like standard & Poor's 500 Index funds , Or other index funds .） second , You need to allocate some long-term treasury bonds .15% Allocated to medium-term treasury bonds （ The deadline is 7~10 year ）,40% Allocated to long-term treasury bonds （ The deadline is 20~25 year ）. Third , Finally, configure 7.5% Of gold and 7.5% Commodities , This way · Dalio has completed the allocation of the entire portfolio .

All the other experts I interviewed agreed with this ： To be a successful investor , You have to rebalance your portfolio regularly .2013 In the summer , The standard & poor's 500 The index is continuing to rise , Set a new record , At this time, the bond market was depressed , You will sell the stock , Buy bonds ？ impossible ！ But that's what the law of rebalancing says , This is exactly what you need to do .

1939 Germany invaded Poland in , Dragged the whole of Europe into the Second World War , The whole world is full of fear and despair . John pieced it together 10000 U. S. dollar investment has bought stocks still trading on the New York Stock Exchange . There were... In the market at that time 100 The trading price of only shares fell to 1 Below US dollar , He used this 10000 Dollars bought each stock separately 100 stocks . John knows ： The night will not last forever , The day will surely come . After the end of the Second World War , The American economy is growing rapidly , John became a multibillion dollar billionaire .

Four 、《 The logic of the rich ： How to create wealth , How to keep wealth 》

By Raynor • Dr. zitterman （Dr. Rainer Zitelmann）, Senior editor of German Le Monde , He worked in the Central Research Institute of Social Sciences at the Free University of Berlin . He is also a successful investor in the real estate market , yes 17 The author or editor in chief of this work , His 《 Dare to be different ： Successful people are different from you and me 》 It has been translated and published in six languages .

The author has studied many German millionaires , And do some statistical research with various methods , Find out the difference between the rich and ordinary people .

His definition of wealth is “ The rich can live entirely on investment income without having to work ”.

1、 up to now , The easiest and safest way to make sure you achieve your goals is , Make sure you want to 10 Specific targets achieved in , Then write it down .10 Year is a reasonable and realistic time period . Many people overestimate what they can do in a year , But underestimated in 10 What can be done within the year . After you wrote 10 The overall goal after the year , Break it down into smaller value added that can be achieved each year .

Thomas, American writer · Colley spent five years observing and investigating the rich and the poor . His annual income exceeds 12.5 Thousands of dollars 、 Assets exceed 250 People with million dollars are classified as rich , And the annual income is lower than 2.75 Thousands of dollars 、 Save less than 4000 Those who are in dollars are classified as poor . The study found that , There are significant differences between the two groups in goal orientation ：62% The rich man said , They focus on their goals every day , In contrast, only 6% Of the poor would do this .2/3 Of the rich also said , They write down their goals . 

The great poet John · Wolfgang · Goethe said ：“ A healthy man without money is half a patient .”

2、 The rich are divided into three different groups ： The millionaire next door ： Net wealth is 100 Wan to 500 Million dollars ; Middle tier millionaires ： Net wealth is 500 Wan to 3000 Million dollars ; Ultra high net worth people ： Net wealth is 3000 Million dollars or more .

3、 Most wealth is created by doing business , Studies have shown that , It is much more difficult for employees to create wealth .95.2% The richest man in the world 100 People are entrepreneurs .“ Entrepreneurship is a necessary prerequisite for creating huge wealth .” 

“ A typical entrepreneur , Compared with other types of people , Is more self-centered , Because he is better than other types of people , Less dependent on traditional social relationships , Because his unique task is precisely to break the old tradition , Create new traditions .” 

“ The quality of the idea is the key to success .” Prevent your ideas from becoming economically and technologically obsolete .

4、 On the whole , An unhealthy lifestyle costs more than a healthy lifestyle . Happiness does not depend on a person's absolute income level , It depends on his relative position in society , That is, what he has （ Including prestige 、 status ） Is it more or less than peers . 

5、 Really rich people , One thing is clear ： That is how much money he has , It is far less important than what to do with the money , It is also the difference between the rich and ordinary people . 

6、 For the average person , Trying new experiences means taking risks . But in the eyes of Entrepreneurs , Doing nothing is a risk , Because it means missing opportunities . The entrepreneurial type “ Looking for difficulties , Change for change , Take risks as a pleasure ”.

7、 When asked about consumption habits , These millionaires revealed some surprising facts ：75% Of people have never bought more than 599 Dollar suits ;75% Of people have never bought more than 199 Dollars' shoes ;75% Of people have never bought more than 1125 Dollar Watch ;50% Percent of respondents never bought more than 2.9 A million dollar car ,95% Of people have never bought more than 6.9 A million dollar car . 

In the same survey , Millionaires were asked when they invited friends or neighbors , How much wine will you buy .90% Percent said they would buy at most 26 Dollars a bottle of wine , If you buy it for yourself , The price is even lower . also 95% Forty five percent said that a meal at their favorite restaurant would cost no more than 40 dollar .

8、 Whether your goal is to join the company's senior management , Or do you want to create wealth as a self-employed person or entrepreneur —— If you don't learn how to sell, you can't go far .“ The first skill an entrepreneur should possess is sales ability .”— If you lack the ability to sell , The only remedy is to entrust someone else to do it .

Catherine, an American marketing expert · Kapta confirmed ：“ Although what we hear is always like ‘ The final winner is talent ’ In this case , The reality is more like ‘ The final winner is popularity ’“.

Many people are reluctant to advertise themselves , There are two reasons ： First , Lack of motivation and confidence ; secondly , They subconsciously avoid overestimating themselves and beautifying themselves . However , Doing so is counterproductive . You may be surprised at honesty —— Not false modesty —— Is one of the key conditions for success in business .

9、 Don't fall into “ Local preference ” trap , Many new investors around the world will naturally choose stocks issued in their home markets , Or buy a fund that invests in its own market , Not even looking for opportunities elsewhere . Spanish investors will 95% It is absurd to invest the above-mentioned funds in the domestic market , Not to mention that Mexican investors have incredibly invested all their equity in their own markets .

10、 Don't underestimate the threat to your wealth , Don't be too confident and optimistic . Political factors , Inflation , May cause a crisis and devour your wealth .

5、 ... and 、《 Rich dad's road to financial freedom : Magical cash flow quadrant 》

Robert ·T· Kiyosaki is the fourth generation of Japanese Americans , He was born in Hawaii , Received a college education in New York ,1977 year , He started a company , The first introduction of nylon to the market “ Vico ” Made of girdle chain “ Surfers ” wallet , Later, this product grew into an industry worth millions of dollars around the world .1985 year , He left business , Co founded an international education company , Teaching business and investment courses to thousands of students .1994 year ,47 Year old Robert sold his company , Financial freedom , Early retirement .

Robert was born into a teacher's family , The so-called Poor Dad , It means his father , In the Department of education of the state of Hawaii . The so-called rich dad , He is the father of a friend who is good at investing and managing money . Poor dad and rich dad's outlook on life 、 Money values 、 The investment philosophy is quite different , And lead to their ultimate lifestyle 、 Differences in financial position .

Robert overthrew “ High salaries = Financial freedom ” The law of wealth , He thinks that ： Wealth is measured by time , The definition of wealth is ：“ No physical labor （ Or all the people in your family don't do physical work ）, The number of days you can survive and still maintain your standard of living .”

1、 A quadrant of cash flow appears repeatedly in the book , On the left is E and S, On the right is B and I,E On behalf of employees （Employee）,S On behalf of freelancers （Self-employed）,B On behalf of business owners （Business owner）,I On behalf of investors （Investor）.

Most people are “E”;

“S” like “ Do things for yourself ”, Do as you please , The better you work , The more likely it is to lead to harder work and longer working hours ;

“B” and “S” contrary , He thinks that if someone can do better than himself , You don't have to do it yourself , They broke down all the work they could delegate , So that we can do more important things , That is, high-quality thinking ;

“I” It was a game of money , They don't have to work , But money begets money .

2、 To achieve financial freedom , Must be on the right side of the cash flow quadrant , That is to say B and I Quadrant get cash flow . People except in E or S Quadrant working outside , And learn to be in B or I Quadrant work . For example, you do E Our savings flow into I earn money , Or you do S To commercialize their expertise B Quadrant income , This makes it possible to have financial freedom , You can walk on two legs .

Kiyosaki's father ( That is to say “ Poor dad ”) From a famous school , Served as the director of the State Department of education , But his work is getting busier and busier , Not only do I spend less time with my family , Life has not improved , about B and I Quadrant thing , There has never been any research . Kiyosaki thinks , From the industrial age to the information age , The concept of job safety should have been eliminated long ago , What we should really pursue , Financial security and financial freedom .

Rich dad thinks , It is foolish to spend a lifetime working for money , But it is also unwise to think that money is not important . He often says ：“ Only one day 24 Hours , You can only work so hard , Why work so hard to make money ？ You should learn to let money and others work for you , So that you are free to do other important things .”

3、 do “B” The difficulty is how to own the system . A real B Quadrant business owners , You can take a vacation at any time , In his absence , The company can run as usual or even better . If not , He just created a job for himself , Not a system .（ The result of the game is to become a bank , Instead of being a busy banker .）

“S” You have a job , and “B” What we have is a system ,“B” Hire competent people to operate the system . real “B” Can leave their business for more than a year , When they come back , Find that their business is more profitable than when they left , It also operates better . and “S” Leave his S Type enterprise for more than one year , When he comes back , You will find that his business has no business to do .

If you buy a franchise system , Then you still “E”, You should strictly follow the way others tell you to do things .

4、 adopt B, Let system （ People and machines ） Working for you , And then through I, Let your money （ Put into other systems ） Working for you , such , from B and I Have a source of income , You can do whatever you want at any time , Don't worry about your livelihood . You can keep your brain awake , In order to do more important work ：“ reflection ”.

The secret to great wealth is ：1．OPT：Other People's Time.2.OPM：Other People's Money.

Many financial problems arise from the desire to possess something of little value , Who really should invest time and energy , Is to create your own system , Let the system make money for itself . This requires the ability to lead others . You may be able to make a better hamburger , Can you build a better enterprise system than McDonald's ？

“B” One of the basic skills of , It's hiring smart people who are well educated and know the answers , And put them together , Let them work as a team .“B” To be able to “ Read ” others ： He knows what people really want , What he has to offer , And what to say when talking to team members .

5、 Figure out your balance sheet , Control your cash flow . Assets are things that put money in my pocket , Debt is something that takes money out of my pocket . Only generate income 、 Assets that generate positive cash flow are classified as assets . Make your financial statements , Determine which quadrant of the cash flow quadrant your current income comes from , Determine which quadrant you want most of your income to come from in five years .

Whether a house is an asset or a liability depends on the direction of cash flow . If cash flows into your pocket , Then it is an asset ; If cash flows out of your pocket , Then it is a liability . Who is smarter ？ You or your money ？

Whenever you owe someone money , You become his servant ; A good debt is a debt that someone else pays for you , Bad debt is when you pay your debts with your own hard-earned money ;“ People who cannot control cash flow are working for people who can control their cash flow .”

stay “B” and “I” Work and study in quadrant , Prepare for anything that will happen . A prepared person , No matter where the economy goes , Whenever something changes , Will succeed .

6、 Focus on reducing your personal debt . If you have multiple credit cards , Cancel all your credit cards , Leave only 1 To 2 individual ; Credit card liabilities must be eliminated at the end of each month , Don't borrow any longer . Pay off your car and home loans as soon as possible , If you are smart and hardworking , You can 5～7 Pay off all debts within the year . Then the money you paid off the debt can be invested .

Most people can't go ahead in finance , Because they have bills to pay every month . There is a telephone list 、 Tax bill 、 Electricity bill 、 Gas bill 、 Credit card bill 、 Food bills, etc . Most people have to pay others every month , Pay yourself last —— If they have any savings .

therefore , Most people violate the golden rule of personal finance ：“ Pay yourself first ”. You need to sit down , Make a plan , Control your spending habits , Minimize your debt .

7、 Someone has done a study of the rich and the poor all over the world , Want to find out how people from poor backgrounds eventually become rich . The study found that , No matter what country they live in , All have three characteristics ：1． They have long-term prospects and plans .2． They believe in the rewards of delay .3． They use the power of compound interest in ways that benefit them .

8、 The one who has been with you the longest 6 personal , It's your future . Put your name in the quadrant where you are now , Then put your name in the quadrant where you want to go in the future . If this 6 Individuals are basically in the same quadrant , In this case, you are a happy person , Because you're surrounded by people with similar ideas . If they're not , Then maybe you should make some changes in your life .

List the people who spend the most time with you 6 people , These people may be your colleagues 、 spouse 、 children （ All the children count as one ）、 classmate 、 friend , Or anyone else . List each person's quadrant after their name . Quadrants reflect a person's main source of income , If they are unemployed or retired now , List the quadrants in which they used to make money ( There may be more than one quadrant ). Young children and students don't have to fill in , Please make room for .

Robert ·T· Kiyosaki ：“15 Years later , All but one of the people I spend the most time with have changed . The one that appeared on my earlier list 5 I am still my good friend , It's just that we seldom meet . They are very nice people , And be satisfied with your life . My change is only about myself , I want to change my future , I want to change my future successfully , I have to change my mind , And change the people I associate with .”

9、 Looking for a mentor , Find out who is likely to be your mentor in both the investment and corporate areas , Learn from them . meanwhile , Find a negative example , Learn from them .

Professional athletes have coaches , Amateurs have no coaches . Choose your coach or mentor wisely , This is one of the most important things you can do .

A mentor should be someone who has done and successfully done what you want to do . Don't find a counsellor , The proponent can only tell you how to do it by imagination , Because he didn't do it himself . Most people who give advice about money , Often it comes from E and S People in the quadrant .

10、 Take action . Many people never start their plans , Just because they didn't find all the answers . It's like waiting until all the lights turn green before driving . We can't know everything in advance , We often learn when we need to learn , So I suggest you try something new , And expect disappointment （ That is, it doesn't seem successful ）, But always have a mentor around you to guide you with experience .

Make a mistake . It is recommended that you make mistakes from the first step , You can't learn anything without making mistakes . remember ： Failure is part of success .“E” and “S” It is not acceptable to be told to make mistakes ,“B” and “I” Knowing that making mistakes is a way for them to learn .

6、 ... and 、 Postscript

Tell the truth , These five books , I think the best is Bodo · Sheffield's 《 The road to financial freedom ：7 Make your first in a year 1000 ten thousand 》 And Robert · Kiyosaki 《 Rich dad's road to financial freedom : Magical cash flow quadrant 》.

These two books change people's cognition ideologically , and , Some practical methods are also given .

Tony • Robbins's 《 money ：7 Step to create lifetime income 》 It's also very good , But it was a little wordy .

There are some ideas that are simply enlightening .

What struck me most was this 3 An idea ：

1、 Make mistakes .

2、 Don't kill “ goose ”.

3、 With whom , Who are you .

This article is a bit long , The aim is to explain as much as possible .

For brevity , I will summarize a shorter .

writing ｜ Wei Jianwu