The main reason why people are struggling in financial difficulties is that they have studied in school for many years, but they have not learned anything about money. As a result, people only know how to work for money … but never learn how to make money work for themselves.
Text edition
A story about the author.
Robert Qingqi, he has two fathers, one is his biological father, and the other is the father of his good friend. The two fathers have completely different views on the same thing, and also have different views on money and values. The last one is poor and the last one is rich.
Second, about this book.
A very classic entry-level financial management reference book
Since its publication in 2000, it has been ranked first in the national book list for 18 months in a row, which has almost changed the financial management concept of a generation.
Three core contents
The essential difference between the rich and the poor in the view of money.
Eternal and outdated financial management concept
How to realize financial freedom as soon as possible?
How can I improve my financial quotient?
The value difference between four dads and two fathers.
1 Treat expensive things
Poor dad: I can't afford this. I won't think about it anymore.
Rich dad: If I want to buy this thing, how can I afford it?
2 Pay taxes
Poor dad: the government is too black-hearted
Rich dad: The government should pay taxes, which is fair. Taxes are used to reward people who work hard.
3 treat money
Poor dad: Greed is the root of all evil.
Rich dad: Poverty is the root of all evil. Learn to control risks and invest boldly.
4 Treat learning
Poor dad: You should study hard and find a good job in the future. Fear of driving force.
Rich dad: You should study hard so that you can start a company in the future and create more opportunities for others. The driving force is love.
5 treat old-age care
Poor dad: put all his pension plans on the government.
Rich dad: Be responsible for your financial situation, and continuous learning is the best guarantee. With dependence, there will be dependence.
6 treat bills
Poor dad: Not until the end.
Rich dad: Pay in advance to avoid unnecessary fines and affect personal credit.
7 Treat bankruptcy
Poor dad: pessimistic and negative
Rich dad: Although my bank has no money, I have brains.
8 value summary
Poor dad: escape, despise, don't care, of course not.
Rich dad: be honest with each other, pay attention to care and want, then set high goals and pursue naked.
The lofty ideals of a senior intellectual sometimes hinder his development.
How to improve financial quotient
1 Rich people don't work for money.
The rich will not sell their time and labor for a little money, but concentrate on their own careers.
Why can the boss charge so low? Because the fear of not selling yourself has been around you and tormenting you.
Case: Rat race. It looks hard, but it is actually spinning in the same place.
How to get rid of it: face up to your fears and desires and not be tempted by small money.
Learn to distinguish assets from liabilities.
Assets are things that can put money in your pocket.
Debt is something that comes out of your pocket.
Case: Cars are not assets, but liabilities.
Most people continue to buy liabilities, not assets.
The rich first establish the Qian Shengqian model, and then consider consumption.
The rich will restrain their consumption impulse and regard every dollar as their own soldier.
Six summaries
1 Qian Shengqian people are poor, and people are rich.
The main reason why people are struggling in financial difficulties is that they have studied in school for many years, but they have not learned anything about money. As a result, people only know how to work for money … but never learn how to make money work for themselves.
3 "Work is to learn new things", although your salary may be reduced in the short term, in the long run, you will get huge benefits from it. Life is like going to the gym. The most painful thing is to make a fitness decision. Once you get through this, everything will be easy.
Some personal feelings
I've always heard about this book, and I didn't begin to study its contents until today. Don't lose money is an introductory book on financial management, but personally, it doesn't give you many practical skills and needs to be expanded. What he tells you is, don't work all your life, don't be satisfied with a fixed salary, and don't be a slave to money. In fact, you still have unlimited possibilities!
Don't be satisfied with the present, but look further! The rich dad in this article, like an optimist, always thinks about the bright side of everything and thinks he can do it. After reading such a book, he will feel that he has strayed into the brainwashing team, but this idea is worth learning. For those of us who have never cared about financial management and Qian Shengqian, this book is a piece of advice. I am glad to see this book and absorb its essence. Starting today, pay attention to money and financial management, which is the foundation of life.
The source file of mind map can be obtained by replying to "poor dad and rich dad" on the official WeChat account of the same name.