作业帮穷爸爸富爸爸txt下载
来源：学生作业帮助网 编辑：作业帮 时间：2024/09/24 01:27:44 体裁作文
篇一：采访富爸爸
采访富爸爸
问：你认为你性格中的哪些方面让你能够获得今日的成功？
答：我觉得我能让自己去做自己不想做的事情，当然我知道那是应该做的。比如说1969年我从学校毕业，那时候正是越南战争时期，人人都不想去越南打仗，我却自愿前去参军。我一生中的许多宝贵的东西都是从战争中学到的。很多人一生不是那么成功，就是因为他们不想去做明知应该由他们来做的事情，毕竟不去做是最简单的。
问：穷爸爸富爸爸的概念是怎么产生的？
答：穷爸爸富爸爸是一个真实的故事。我真正的爸爸受过良好的教育，是夏威夷大学的博士，非常聪明，诚恳工作。我叫他穷爸爸是因为他是个老师，从来不想钱的事情。他认为钱是魔鬼，钱并不重要，当老师比当富人重要。我的富爸爸和穷爸爸则正好相反，穷爸爸努力工作当雇员，富爸爸则努力工作雇用雇员。穷爸爸认为政府应该照顾公民，富爸爸则认为期待政府照顾的人是软弱的。有些人是需要政府的照料，但不是每个人。所以我就能同时听到两个爸爸完全相反的声音，同时我也要决定应该听谁的。
问：你认为在你身后有两个女人对你的成功至关重要，一个是你夫人，另一个是莎伦·莱希特，你能不能谈一下对她们的看法？
答：我夫人是我最好的朋友，我生意上的伙伴，其次才是我的夫人。莎伦·莱希特是我写书和创建公司的伙伴，我们三人合作才有了这本畅销书。今天这本书在纽约时报的畅销书排行榜上已经四年了，这是我们这个团队的成果。结婚的人如果夫妻不能志同道合，那么就很难成功。
问：你在处于困境时你夫人是怎样帮助你的？
答：在有困难时她从来没有埋怨，从来不跟我说“去找个工作吧”，总是在支持我。我们在一起已经21年了，她就是我的灵魂。她总是陪在我身旁，一天24小时一星期七天。我们在一起有欢乐也有痛苦的时光，痛苦让欢乐时光更显珍贵。她已是我生命中最重要的部分。
问：你认为你成功的秘密是什么？
答：我觉得我成功是因为我能进入我害怕进入的领域，能不怕犯错误，不怕赔钱，不怕任何事。如果对一件事产生恐惧，就要去征服这种恐惧感。人没有失败就不会成功。失败是人必须学习的一件事。学校教我们不要犯错误，所以我们才会失败，因为我们不敢犯错误，不敢冒风险。所以你看，学校的老师里没有富人。如果你怕失败，你就是个失败者。
问：你有什么要对想出国赚钱的中国人说的？
答：现在全世界都在关注中国，如果你在中国不能发财，那你就是真正的失败者。全世界都认为中国是下一个经济强国，我在中国有两项非常看好的投资，如果你在中国不断抱怨自己生在中国，那你真得很失败。
问：能不能介绍一下现金流游戏？
答：现金流游戏是按照我富爸爸的理念来教育人，这里面有两个准则：一个是计算，另一个是投资。对大多数人来说，计算总是让他们觉得昏昏欲睡，投资让他们觉得恐惧。这两个就是现金流游戏的基本元素。游戏是为了训练人们像投资者一样思考。有人问我成为投资者的第一步是什么，我总是告诉他们去玩十遍现金流游戏，然后教给十个人。玩这个游戏并教会别人能让你更像一个投资者而不是一个不敢犯错误的雇员。
问：你一生中最快乐的时光是什么时候？
答：赚很多钱！(笑)赚钱对我来说只是一种游戏，就像有人喜欢打高尔夫球，有人喜欢骑马。其实我最快乐的时光就是和我太太一起远离尘世，只有我们两个人彼此相依。
问：你到过中国两次，一次去北京，一次去上海，近期你还有造访中国的计划吗？
答：我非常喜欢中国，希望能再次去。
问：中国的股票市场已经达到了5年新低，有人认为政府会在北京奥运会前扶持股市，你认为对中国的投资者来讲现在是否是进入股市的良机？
答：在进入股市前要先想清楚你可能会在股市上赚很多钱，也可能会赔掉很多钱，你要做好心理准备。其实投资并不一定要进入股市，世界上有证券市场、房地产市场、债券市场、商品市场、外汇市场等5种投资场所，作为投资者要关注各个市场的动向，例如债券市场不景气时股市就应该飘红，在外汇市场美元走弱人民币升值预期增强，就应该买入人民币。在美国有一个趋势，股市走强18年然后又低迷18年，股市下跌时商品市场就会走强，所以我们不要只盯着一个市场，要纵观全局。现在进入房地产市场投资已经太迟了，现在我已经把投资重点转向了商品市场，大量投资于原油、黄金等。
问：在中国年轻人很难获得银行的贷款来启动自己的生意，你对这些年轻人有什么建议？
答：银行不会主动给你钱，他们不喜欢投资者，在美国也是一样，人们也很难得到银行的贷款。我建议他们不要依赖银行，不要依赖政府，要靠自己。在遇到挫折时不要责备任何人，责备你自己。要用自己的脑子去想办法获得资金，要靠自己的努力去获得成功。不要依赖任何人。
问：你对现在的社会保障体系怎么看？
答：社会保障问题现在是一个世界性的问题，我的一个日本朋友跟我说起社会保障(social security)时称之为so-so security，社会保障体系已经很难再良好的运转。我的富爸爸一直认为人们不能依靠政府去照顾，人们一定要自立，不能依赖政府，要靠自己照料自己。
问：中国人容易在追求事业和金钱的过程中造成家庭不和，你认为应该如何平衡家庭和事业的关系？
答：一定要和家人多多交流，告诉他们你的梦想、你的念头，通过交流来使你的家人理解并支持你。我的家庭也不是那么和谐，家里好多人都是教师，都是学历很高的人，甚至今天还有人问我为什么没有工作，因为在他们的价值观里我应该找个工作，应该继续学习攻读硕士乃至博士学位，他们认为这样才是有价值的，他们并不理解经商的人是怎么想的。
问：中国有句古话叫做“富不过三代”，你认为富人应该教给孩子更多的财务知识以避免这种现象吗？
答：应该做的和事实上做的事是不一样的，我觉得不太管用。我知道如果我爸爸很有钱，我一定会把钱全都花光。如果是别人给的钱，我肯定会花掉它，因此对我来说最好是上一代没有钱。我的富爸爸很有钱，他的子女只有迈克喜欢做生意赚钱，其他人都不干活只会张手要钱。
问：创业往往导致倾家荡产，出现这种状况以后应该如何处理？
答：(开玩笑的)痛哭失声！重新开始，想想自己什么地方做错了，一切并不是很难。要多学习，不怕失败，要改变自己的思考方式。
采访结束后，清崎夫妇去Bob Bondurant赛车培训学校玩赛车，我们有幸随之同行。Bob Bondurant是美国六七十年代非常有名的一个赛车手，赛车学校是他一手创建的，凑巧的是当天我们抵达时他正好也在，骑着一辆摩托车出来跟我们打招呼。后来他被我们称为“轮子上的人”，因为他出场前前后后一共换了四种座骑，却没有一次是肯老老实实踩在地上的。
赛车是一种奢侈的运动，据说四天的培训课程收费就高达数千美元，相当于美国中产阶级一个月的收入。赛车却又的确是一种相当刺激的运动，我们在赛车场外听着汽车引擎的不断轰鸣，内心里隐隐也有狂野的冲动。正是由于这份刺激，清崎夫妇才会如此热衷。
第二天，按照事先安排的行程，我们拜访了莎伦·莱希特。与清崎的冷静神秘相比，莎伦·莱希特则显得热情无比，我们一行人在她家里一点都不觉得拘束。莎伦的丈夫麦克尔莱希特喜欢打猎，客厅里到处都是兽皮作装饰，而莱希特家那只可爱的小狗迪波就楼上楼下的跑个不停，欢欣异常。
在莱希特家吃过丰盛的午饭，莎伦邀我们同去男孩女孩俱乐部看孩子们玩现金流游戏。男孩女孩俱乐部是美国的一种公益组织，专门给单亲家庭或家庭困难的孩子们设立，让在放学后又不能回家的孩子们可以在一起游戏玩乐。富爸爸公司赞助当地俱乐部设立了一间专门的游戏室，让孩子们在里面玩现金流游戏，既培养孩子的理财观念，又可以认识更多的朋友。在那里莎伦和孩子们一起玩的很开心，当初与罗伯特·清崎合作写穷爸爸富爸爸这本书就是为了给自己的子女更多的理财教育，这些年来她更是把大部分精力投入到儿童理财教育方面，称她为“富妈妈”真是毫不为过。
当晚，清崎设宴款待了我们，莱希特夫妇以及富爸爸公司的新任CEO也都参加了晚宴。饭后，莱希特夫妇怕我们不认识回旅馆的路，还专程开车在前面给我们引路，让人感激不已。
次日一大早，我们被引领着参观了亚利桑那州的沙漠地带。完全没有我想象中的黄沙蔽日，绿色植物遍布一直延伸到视野的尽头，公路两旁被不知名的野花密密麻麻的占领，不时有飞机交错着从头顶的天空轰鸣而过。我想如果我能把塔克拉玛干沙漠也弄成这个样子，那我一定会发大财。这几天跟富爸爸的理念不断交往，每天想的都是怎么变成富人，譬如把当地的墨西哥饭馆开到北京，组织中国富翁考察团到当地参观置业，各种各样的生意点子都像沙漠里的仙人球一样冒出来了。
紧接着我们参观了位于市区的富爸爸公司。在一排别致的二层小楼里，我们先后采访了富爸爸的几个顾问和公司的CEO。当天是星期五，按照惯例，周五下午公司的所有员工都放下工作集体玩现金流游戏，这让我们羡慕不已。罗伯特和莎伦虽然已经退休了，还是来到公司指导员工玩游戏。
跟富爸爸在一起的每个时刻都让人思维活跃，总是有豁然开朗的感觉，然而这样宝贵的时刻终于也要划上句点。3天的访问收获的是30年用之不尽的宝贵思想，告别了清崎夫妇和莱希特夫妇，告别了热情的富爸爸们，告别了美丽的凤凰城，我们终于也要踏上归途，2005富爸爸大型互动活动却刚刚开始。
每次浪潮过去之后：有受益者 无所谓的 可能有受害者 还有根本什么都不知道的。。。。朋友你是哪一类的人哪？
篇二：财商入门【现金流游戏】——交朋友、学理财-富爸爸穷爸爸_富爸爸现金流游戏_富爸爸穷爸爸全集
财商入门【现金流游戏】——交朋友、学理财
一套转变理财观念、激活财商的经典教具
现金流游戏是当今最棒的投资理财教具之一，其最大的特点就是能够对玩家一生的财务境遇做最接近于现实的模拟。您只需要花三小时的时间就能够真实的体会到你所有的财务困惑，并借助游戏的手段解决它。借助富爸爸现金流游戏能迅速唤醒您的理财天赋--财商，从而助您走上财务自由之路。还可用于金融系统客户管理及企业内训和直销人员。财富游戏传递出一个强烈的信息：你的理财天赋正在等待被唤醒。
为什么要玩现金流游戏？
? 将枯燥的财务知识学习和致富准备变得通俗，生动，让你低成本，快速，高效的做好致富准备。
? 测试自己的财商，确定人生梦想；
? 根据自己的特点（收支状况，教育背景，性格特征），找到最适合自己的致富工具，手段和方法；
? 广泛结交朋友，获取信息的最好工具；
? 反复玩该种游戏，可以训练你的理财心态，耐心和思维方式，这是致富的关键 常玩现金流游戏能使您
? 把握金钱的脉搏
? 看清资产、负债
? 发现更多投资机遇
? 躲避常规投资陷阱
? 高效用钱、合理花钱
? 养成正确投资习惯
在玩游戏的时候，我们会悟到什么？
你只要瞟一眼现金流的游戏盘，你就能发现，游戏格子（在老鼠跑道上机会卡占据了1/2左右）里最多的就是机会，"老鼠赛跑"中的小生意和大买卖都被注明为机会，快车道中绿色的游戏格子全是属于每一位玩家的机会。--机会到处都有，而发现和掌握机会的能力我们经常没有。
现金流游戏最大的功能：在于让你看清金钱及金钱的规律
现金流的“人生内容”
这个游戏不仅让你学到关于金钱的知识，也能让你学到人生的知识。这套财商教育类的游戏的"现实性"非常强，让游戏者在玩的时候，不知不觉的就"被迫"走上了现实的舞台，当大家按照游戏规则不断地做"人生奋斗"的时候，现实的严酷性，财务知识的丰富性，逃出老鼠赛跑的欲望，进入快车道的喜悦会涌入玩家的脑海，让玩家率先活在"现实世界"中，直接获取了人生的经验。
一位玩过这套游戏的MBA认为：现金流游戏非常真实，在玩的过程中可以清晰的"看"见自己财务状况变化，感觉到金钱流动的方向和“流量”。
游戏的精华---游戏中的财务报表
罗伯特.清崎说：“我创作了《现金流》这个纸板游戏，是因为这么多年来，在我向人们交流生意和投资知识，也就是生意人和投资者现象的过程中，我发现那些来找我的人都想成为生意人。而他们缺乏是管理，会计，投资的基本知识，他们不知道应该怎么运作。” 在游戏中，最精华的地方是填写财务报表。玩现金流收获最多的部分也就是来自这里。
为什么这样说呢？ 这个环节就是清崎先生经常提到的"点金术"----学习如何填写、阅读财务报表。作为普通人，我们中的大多数人对财务报表感到十分陌生。而且，对于工薪族来说，也不大有机会接触到财务报表。为了帮助人们更好的学习阅读、填写财务报表，了解现金流在现实生活中的重要作用，清崎设计了现金流这个游戏。
熟读富爸爸的朋友一定能明白这样说的理由。世上帮助你克服恐惧、迈出第一步的书籍有很多，几乎所有的成功励志书籍都有这样的功能。但帮助你克服思维方式中固有缺陷，帮助你学习理财技能的书却不多。大家不一定都去读富爸爸，但你不能不了解以财务报表为基本内容的财务知识。如果你养成记录、阅读财务报表的习惯，你离真正的投资者就不远了。 穷人和富人除了在思想上差异巨大外，一个很重要的技术性层面的区别就是穷人不了解财务报表，而富人却十分精通。如果你不懂财务报表，投资对你而言就是赌博。 同样的，所谓投资的风险在于你是否能读懂财务报表。如果你能看懂财务报表，就能更好的控制风险，如果不能，那你就只能祈祷了。这也是把现金流游戏称为富爸爸产品精华的原因所在。
篇三：穷爸爸富爸爸_英文原版_RichDadPoorDad
INTRODUCTION There is a Need Does school prepare children for the real world? "Study hard and get good grades and you will find a high-paying job with great benefits," my parents used to say. Their goal in life was to provide a college education for my older sister and me, so that we would have the greatest chance for success in life. When T finally earned my diploma in 1976-graduating with honors, and near the top of my class, in accounting from Florida State University-my parents had realized their goal. It was the crowning achievement of their lives. In accordance with the "Master Plan," I was hired by a "Big 8" accounting firm, and I looked forward to a long career and retirement at an early age. My husband, Michael, followed a similar path. We both came from hard-working families, of modest means but with strong work ethics. Michael also graduated with honors, but he did it twice: first as an engineer and then from law school. He was quickly recruited by a prestigious Washington, D.C., law firm that specialized in patent law, and his future seemed bright, career path well-defined and early retirement guaranteed. Although we have been successful in our careers, they have not turned out quite as we expected. We both have changed positions several times-for all the right reasons-but there are no pension plans vesting on our behalf. Our retirement funds are growing only through our individual contributions. Michael and I have a wonderful marriage with three great children. As I write this, two are in college and one is just beginning high school. We have spent a fortune making sure our children have received the best education available. One day in 1996, one of my children came home disillusioned with school. He was bored and tired of studying. "Why should I put time into studying subjects I will never use in real life?" he protested. Without thinking, I responded, "Because if you don't get good grades, you won't get into college." "Regardless of whether I go to college," he replied, "I'm going to be rich." "If you don't graduate from college, you won't get a good job," I responded with a tinge of panic and motherly concern. "And if you don't have a good job, how do you plan to get rich?" My son smirked and slowly shook his head with mild boredom. We have had this talk many times before. He lowered his head and rolled his eyes. My words of motherly wisdom were falling on deaf ears once again. Though smart and strong-willed, he has always been a polite and respectful young man. "Mom," he began. It was my turn to be lectured. "Get with the times! Look around; the richest people didn't get rich because of their educations. Look at Michael Jordan and Madonna. Even Bill Gates, who dropped out of Harvard, founded Microsoft; he is now the richest man in America, and he's still in his 30s. There is a baseball pitcher who makes more than $4 million a year even though he has been labeled `mentally challenged.' " There was a long silence between us. It was
dawning on me that I was giving my son the same advice my parents had given me. The world around us has changed, but the advice hasn't. Getting a good education and making good grades no longer ensures success, and nobody seems to have noticed, except our children. "Mom," he continued, "I don't want to work as hard as you and dad do. You make a lot of money, and we live in a huge house with lots of toys. If I follow your advice, I'll wind up like you, working harder and harder only to pay more taxes and wind up in debt. There is no job security anymore; I know all about downsizing and rightsizing. I also know that college graduates today earn less than you did when you graduated. Look at doctors. They don't make nearly as much money as they used to. I know I can't rely on Social Security or company pensions for retirement. I need new answers." He was right. He needed new answers, and so did I. My parents' advice may have worked for people born before 1945, but it may be disastrous for those of us born into a rapidly changing world. No longer can I simply say to my children, "Go to school, get good grades, and look for a safe, secure job." I knew I had to look for new ways to guide my children's education. As a mother as well as an accountant, I have been concerned by the lack of financial education our children receive in school. Many of today's youth have credit cards before they leave high school, yet they have never had a course in money or how to invest it, let alone understand how compound interest works on credit cards. Simply put, without financial literacy and the knowledge of how money works, they are not prepared to face the world that awaits them, a world in which spending is emphasized over savings. When my oldest son became hopelessly in debt with his credit cards as a freshman in college, I not only helped him destroy the credit cards, but I also went in search of a program that would help me educate my children on financial matters. One day last year, my husband called me from his office. "I have someone I think you should meet," he said. "His name is Robert Kiyosaki. He's a businessman and investor, and he is here applying for a patent on an educational product. I think it's what you have been looking for." Just What I Was Looking For My husband, Mike, was so impressed with CASHFLOW, the new educational product that Robert Kiyosaki was developing, that he arranged for both of us to participate in a test of the prototype. Because it was an educational game, I also asked my 19-year-old daughter, who was a freshman at a local university, if she would like to take part, and she agreed. About fifteen people, broken into three groups, participated in the test. Mike was right. It was the educational product I had been looking for. But it had a twist: It looked like a colorful Monopoly board with a giant well-dressed rat in the middle. Unlike Monopoly, however, there were two tracks: one inside and one outside. The object of the game w
as to get out of the inside track-what Robert called the "Rat Race" and reach the outer track, or the "Fast Track." As Robert put it, the Fast Track simulates how rich people play in real life. Robert then defined the "Rat Race" for us. "If you look at the life of the average-educated, hard-working person, there is a similar path. The child is born and goes to school. The proud parents are excited because the child excels, gets fair to good grades, and is accepted into a college. The child graduates, maybe goes on to graduate school and then does exactly as programmed: looks for a safe, secure job or career. The child finds that job, maybe as a doctor or a lawyer, or joins the Army or works for the government. Generally, the child begins to make money, credit cards start to arrive in mass, and the shopping begins, if it already hasn't. "Having money to burn, the child goes to places where other young people just like them hang out, and they meet people, they date, and sometimes they get married. Life is wonderful now, because today, both men and women work. Two incomes are bliss. They feel successful, their future is bright, and they decide to buy a house, a car, a television, take vacations and have children. The happy bundle arrives. The demand for cash is enormous. The happy couple decides that their careers are vitally important and begin to work harder, seeking promotions and raises. The raises come, and so does another child and the need for a bigger house. They work harder, become better employees, even more dedicated. They go back to school to get more specialized skills so they can earn more money. Maybe they take a second job. Their incomes go up, but so does the tax bracket they're in and the real estate taxes on their new large home, and their Social Security taxes, and all the other taxes. They get their large paycheck and wonder where all the money went. They buy some mutual funds and buy groceries with their credit card. The children reach 5 or 6 years of age, and the need to save for college increases as well as the need to save for their retirement. . "That happy couple, born 35 years ago, is now trapped in the Rat Race for the rest of their working days. They work for the owners of their company, for the government paying taxes, and for the bank paying off a mortgage and credit cards. "Then, they advise their own children to `study hard, get good grades, and find a safe job or career.' They learn nothing about money, except from those who profit from their na 飗 et? and work hard all their lives. The process repeats into another hard-working generation. This is the `Rat Race'." The only way to get out of the "Rat Race" is to prove your proficiency at both accounting and investing, arguably two of the most difficult subjects to master. As a trained CPA who once worked for a Big 8 accounting firm, I was surprised that Robert had made the learning of these two subjects both fun and exciting. The process was so well disguised tha
t while we were diligently working to get out of the "Rat Race," we quickly forgot we were learning. Soon a product test turned into a fun afternoon with my daughter, talking about things we had never discussed before. As an accountant, playing a game that required an Income Statement and Balance Sheet was easy. So I had the time to help my daughter and the other players at my table with concepts they did not understand. I was the first person-and the only person in the entire test group-to get out of the "Rat Race" that day. I was out within 50 minutes, although the game went on for nearly three hours. At my table was a banker, a business owner and a computer programmer. What greatly disturbed me was how little these people knew about either accounting or investing, subjects so important in their lives. I wondered how they managed their own financial affairs in real life. I could understand why my 19-year-old daughter would not understand, but these were grown adults, at least twice her age. After I was out of the "Rat Race," for the next two hours I watched my daughter and these educated, affluent adults roll the dice and move their markers. Although I was glad they were all learning so much, I was disturbed by how much the adults did not know about the basics of simple accounting and investing. They had difficulty grasping the relationship between their Income Statement and their Balance Sheet. As they bought and sold assets, they had trouble remembering that each transaction could impact their monthly cash flow. I thought, how many millions of people are out there in the real world struggling financially, only because they have never been taught these subjects? Thank goodness they're having fun and are distracted by the desire to win the game, I said to myself. After Robert ended the contest, he allowed us fifteen minutes to discuss and critique CASHFLOW among ourselves. The business owner at my table was not happy. He did not like the game. "I don't need to know this," he said out loud. "I hire accountants, bankers and attorneys to tell me about this stuff." To which Robert replied, "Have you ever noticed that there are a lot of accountants who aren't rich? And bankers, and attorneys, and stockbrokers and real estate brokers. They know a lot, and for the most part are smart people, but most of them are not rich. Since our schools do not teach people what the rich know, we take advice from these people. But one day, you're driving down the highway, stuck in traffic, struggling to get to work, and you look over to your right and you see your accountant stuck in the same traffic jam. You look to your left and you see your banker. That should tell you something." The computer programmer was also unimpressed by the game: "I can buy software to teach me this." The banker, however, was moved. "I studied this in school-the accounting part, that is-but I never knew how to apply it to real life. Now I know. I need to get myself out of the `Rat Race.
' " But it was my daughter's comments that most touched me. "I had fun learning," she said. "I learned a lot about how money really works and how to invest." Then she added: "Now I know I can choose a profession for the work I want to perform and not because of job security, benefits or howmuch I get paid. If I learn what this game teaches, I'm free to do and study what my heart wants to study. . .rather than study something because businesses are looking for certain job skills. If I learn this, I won't have to worry about job security and Social Security the way most of my classmates already do." I was not able to stay and talk with Robert after we had played the game, but we agreed to meet later to further discuss his project. I knew he wanted to use the game to help others become more financially savvy, and I was eager to hear more about his plans. My husband and I set up a dinner meeting with Robert and his wife within the next week. Although it was our first social get-together, we felt as if we had known each other for years. We found out we had a lot in common. We covered the gamut, from sports and plays to restaurants and socio-economic issues. We talked about the changing world. We spent a lot of time discussing how most Americans have little or nothing saved for retirement, as well as the almost bankrupt state of Social Security and Medicare. Would my children be required to pay for the retirement of 75 million baby boomers? We wondered if people realize how risky it is to depend on a pension plan. Robert's primary concern was the growing gap between the haves and have nots, in America and around the world. A self-taught, self-made entrepreneur who traveled the world putting investments together, Robert was able to retire at the age of 47. He came out of retirement because he shares the same concern I have for my own children. He knows that the world has changed, but education has not changed with it. According to Robert, children spend years in an antiquated educational system, studying subjects they will never use, preparing for a world that no longer exists. "Today, the most dangerous advice you can give a child is `Go to school, get good grades and look for a safe secure job,' " he likes to say. "That is old advice, and it's bad advice. If you could see what is happening in Asia, Europe, South America, you would be as concerned as I am." It's bad advice, he believes, "because if you want your child to have a financially secure future, they can't play by the old set of rules. It's just too risky." I asked him what he meant by "old rules?" . "People like me play by a different set of rules from what you play by," he said. "What happens when a corporation announces a downsizing?" "People get laid off," I said. "Families are hurt. Unemployment goes up." "Yes, but what happens to the company, in particular a public company on the stock exchange?" "The price of the stock usually goes up when the downsizing is announced," I said. "The ma
篇四：穷爸爸富爸爸读后感
穷爸爸富爸爸读后感
时间:2013-09-15 08:30 来源:好词好句网 作者:好词好句
篇一：穷爸爸富爸爸读后感
当今社会，贫富差距越来越大，是所有人最为关注的问题。由美国投资家、作家、日裔美国罗伯特?T?清崎和美国企业家，注册会计师莎伦?L?莱希特合著的《富爸爸穷爸爸》一书，则从人的个体出发，分析富人之所以成为富人，穷人之所以成为穷人的自身因素，提出了一个全新的“财商”概念，并向传统的学校教育提出了挑战。
该书中的富爸爸、穷爸爸都是聪明能干的人，但两人对金钱、财务、职业、事业的看法有很大的不同，最终决定了一个终生为财务问题所困扰，而另一个身后留下了数千万美元的巨额财产。
但这本书最大的特点是把人们向来公认的：“读好书，学好本事，拿高薪，过稳定生活”的模式给挖苦了一顿，作者罗伯特?清崎认为这是缺乏财商的做法，因这个人一旦走上这条路，就会陷上“挣钱、买房、买车、争取加薪、再买更多更好的消费品，再还更多的债……”这一怪圈。于是作者举了一个罗伯特为例，他有两个爸爸，一个穷爸爸，出身名牌大学，在知名企业工作，告诉孩子要为企业而工作；而另一个富爸爸则告诉他要有自己的企业，说是“努力学习，找到好工作”这一套已经过时了。
他们的两个观点，在我的身上都已经体现了。我们中学的同学，一部分人选择继续就读，另一部分人则选择是就业。几年后，等我们这些选择继续就读的同学，都在为自己的工作烦恼，而当时选择就业的那些同学，已经在社会上有一了定的地位，干的好的，都办起了自己的厂子，开上了“大奔”。读好书，学好本事，拿高薪，这样的高薪只能供我自己衣食无忧，买不起房子，买不起车，我现在只能努力的工作，其实往深处想想，有几个人的工作不是为钱？
诚然，这本书不是一本具体的投资指南，但是确起到了黑暗中灯塔的作用，为我们的生活指明了一盏明灯，阐明了一种并不为大多数人所知的价值观。路就在自己脚下，如何走还得看自己了！
篇二：穷爸爸富爸爸读后感
在《穷爸爸富爸爸》一书中，作者指出
生活给了我们很多的机会。我们可以安排自己的生活。为何不跳出让生活摆布的圈子，做一个与生活抗争的人呢？真正能驾驭生活之后，就会成一个充满智慧、快乐而富有的人。 抵挡不了周围人的影响，也过着跟大家一样的生活。工作——供房贷。其实吧，很多时候，要有自己的思想，不管周围人怎么做，永远要知道自己需要的是什么，知道自己追求是什么。不能用感情代替思想。恐惧和欲望是天生就有的情感，战胜自己的恐惧，直面内心的弱点、贪婪、缺陷。对自己狠一点，才能彻底跳出这个圈圈。
生活着社会中的人，完全不受情感或他人的影响是不可能的。作为一个女生，我似乎骨子里面就存过安逸与稳定生活的思想，不喜欢跟陌生的人打交道。然而作为一个审计工作者，我需要经常跟不同企业的人打交道，很多时候，是逼着自己去打交道的。尤其是刚刚接触一个IPO项目的时候，遇见都是以前没有打过交道的人。问他们问题，他们总是喜欢推给另外的人，叫你直接找另外的人。我开始抱怨，我干嘛要非得去问呢。我了解清楚了又有意义呢？于是我的脑子中会有很多很多可以理由，可以说服着不再继续追查到底。等我彻底明白自己这点不足之后，我需要学会用什么方式跟别人打交道会好些，遇到不同的人，不同的企
业；用不同的方式去对待。当我一次一次挑战成功的时候，或许我会从中获取另一种快乐。 在我生活的城市，不会骑自行车是一件非常少见的事情。而我就是其中的一个，尽管知道我工作的这个城市，会骑车是一件很好的事情，但是我还是持着观望的态度。说到底，还是因为恐惧。实话吧，每次看到别人骑车，总是羡慕不已，也很想学会。但是我总是问别人你学车的时候有没有摔过？很少人的回答是没有。每次想到这个，我就打消了那个念头，于是知道我参加工作两年了，还是不会骑车。要知道的是，摔倒是学会骑车必须的过程，不经历这个过程，永远也学不会。就像害怕失败，就不敢尝试一样。那句“失败乃成功之母“，从小我就会念。但却从来没有真正理解其中的含义。
大多数的人，从上小学开始，就一直被教育着好好学习，不能落伍，将来找份好工作。大学毕业的时候，才是真正迷茫的时候，似乎一下子没有了要好好学习的目标，找不到方向了。习惯了生活在象牙塔里面，走出这座象牙塔，就意味要独立面对很多事情。这个时候，也就是说不可能永远靠别人为你指明前方的路。要有自己独立思考，独立行走的能力。在摸索的过程中，就像破茧的蝴蝶，过程很痛苦。可始终要经历的事情，就勇敢面对，不可回避。要是选择不闻不问，选择逃避的话，生活将一直迷茫着……在这个时候，不妨静下心来，慢慢思考，在静静的时候，才有灵感，才会知道自己想要的是什么。就像《穷爸爸富爸爸》最后告诉我们的一样，上帝赐予我们每个人两样伟大的礼物：思想和时间。我们需要用着两件礼物去做愿意做的事情。让经常思考变成一种习惯，走出迷茫的困境。在坚持自己的道路上，也会遇到很多不同的声音。每一个人都有自己的思想，生活的圈子不一样，或许会有大相径庭的想法，这个时候最需要定力。很多人总是抱怨，总是害怕，其实很多时候，就是一种懒惰在作怪，思想上的懒惰比行为上的懒惰更加可怕。没有思想的人将永远为那些有思想的人辛苦的干活。
有了思想，还要有执行力。这个时候，又会将是再次挑战自己，生活就是这样，敌人永远是自己。每一次的战胜自己，就是向目标靠近了一大步。
篇三：穷爸爸富爸爸读后感
最近，爸爸在“书心坊”向我推荐了一本书 《富爸爸、穷爸爸》，读后，我和爸爸感触很多。
我觉得， 这是一本十分畅销也十分“另类”的书。畅销书作家罗伯特·清崎用自己的亲身经历一语道破了“富人的秘密”。
作者的穷爸爸是他的亲生父亲，受过全面的高等教育，拥有体面的工作（美国某州的教育厅厅长），收入颇丰，却终身面临财务困境。而富爸爸是他朋友的父亲，中学就缀学了，却因为有正确的金钱观念和超人的理财技能、商业才干，最后，成为了一个乐观的亿万富翁。这位富爸爸仿佛现实生活中的比尔·盖茨等成功人士。他们虽然没有接受或未完成高等教育，却是现实社会的成功者。
读着、读着，疑惑的我向父亲提出——到底我在学校里学到了什么﹖为什么医生、律师这些体面的专业人士也会面临财务问题﹖为什么穷人越来越穷，富人越来越富﹖富人们理财的秘密到底是什么﹖他们是怎样变富的﹖
父亲告诉我，富人的秘密就在这本书里，我又仔细看了两遍，发现他原来是通过自己的亲身经历告诉我们——穷人、中产阶级与富人之间的天壤之别：穷人、中产阶级让自己为了钱工作；富人则让钱为自己工作。
在这个观点的基础上，作者进一步阐明了资产与负债的定义和关系。作者认为只有能不断地为自己挣钱的财产才叫资产，而凡是让自己不断花钱的都叫负债，这种定义尽管看上去很简单，但实质上却充满了人生智慧。在如何处理负债和资产的关系方面，作者用财商的观念解释了每一个人在面对金钱游戏规则时都应该知道的理财技巧和知识。
罗伯特·清崎所揭示出的富人秘密的确让我大吃一惊，但回头一想，“古老”的理财游戏规则其实人们并不陌生。困难在于我们不能从容面对它，甚至对它感到羞涩、“难过”。其实，作者所说的财商是每一个人都具备的，只是许多人被一些传统的金钱观念桎梏着，逃不出“传统教育思维的牢笼”。最后，很多的人虽然拥有了很高的学校教育水平，但是却缺乏一些最基本的日常生活理财知识。
再次读后，爸爸给我发了工资——洗碗家务费30元，让我自己理财。可惜，由于嘴馋，第一天就消费了10元买了零食，几乎又成了穷人。父亲没有责怪我，继续鼓励我存钱理财，
利用手工软陶制作培养我的赚钱技能。
世界上到处都有穷人。在很多情况下，他们并不缺少才华；他们之所以贫穷或财务困难，不是因为他们智商不高而是因为他们财商太低。今后，我不仅要将注意力集中在提高和完善做手工软陶的技能上，更加应该注意提高销售手工软陶作品的技能。也许我不能做出最好的手工软陶作品，但我一定通过自己的努力，能够在做出一般水平的手工软陶作品的前提下，做出最好的销售和发送工作，最终成为一名“学生富翁”。
篇四：穷爸爸富爸爸读后感
最近花了一些时间吧这本书啃了，确实不错，简单实用，穷爸爸富爸爸读后感。而且结合我以前读过的，确实也启发不少。
思维确实太重要了，我们经常在学校读书，而且接收的是学校传统的一套教育，一方面传授我们知识的同时，也把我们的思维束缚住了。这本书拓宽了我们的思维，把我们引到了另外一条思维方向。
由于穷爸爸和富爸爸思维方式不同，导致他们走上了不同的道路。穷爸爸默默地为政府部门工作，虽然工资很高，但是却依然入不敷出，而富爸爸却游刃有余。
读了这本书确定让我收获不少，首先是让我对钱有了新的认识，对钱有了新的态度，我们要让钱为我们工作，而不是为了钱工作。如果我们只是为了钱而奋斗，那么我们最终将沦为钱的奴隶。如果让钱为我们工作，那么大钱生小钱，那么钱就源源不断而来(这就需要我们的财务知识为支撑)。
其次，让我对净资产和财富这两个概念有了新的认识，在传统的概念中，净资产等同于财富，但是在这本书里面，他给我们提出了全新的视角。比如在传统概念中，汽车被纳入了净资产，但是，在这本书里面却是这样解释的，当你使用汽车的时候，他就已经开始跌了，价格估计只有原来的百分之75不到了。而且很多被我们认为是净资产的东西在现实的情况中是无法转换为现金的。而这本书里面对财富的定义为，当你不赚钱的时候，你的东西可以养活你多久，这个叫财富。
第三，他对资产给了重新定义，(一)在不需要我们到场就可以正常运作的业务，(二)
篇五：穷爸爸,富爸爸
穷爸爸，富爸爸》——听杜云生公开课笔记整理
周末被老哥拉去听杜云生讲的《赚钱机器》的讲座。原本对这类东东不
太感兴趣，不过盛情难却，也就跟着去了。听了讲的内容，多少也还有些收
获。我将其中自己觉得比较有用的摘要整理出来，供分享。
之前也有读过《穷爸爸，富爸爸》这本书，杜云生的讲座中有很多内容
其实就在讲解这本书的主要内容。不过经过他的讲解，加深了我对这本书的
认识。
《穷爸爸，富爸爸》的主要内容就是讲解如何做到财务自由。为了说明这点，书中将人分为４类，如下图所示：
很多人都想成为右边的人，过着有钱有闲的生活，但恰恰很多人却在左边生活着，真正能过着有钱有闲生活的人却很少。为什么会有这种差别呢？我们先来看看左边的人与右边的人的差别：
1、信心——左边的人强调的是自信；而右边的人强调的是信任别人（相信别人才是真正的自信）
2、努力——左边的人强调努力，讲的是一份耕耘一分收获；而右边的人则喜欢轻松，喜欢偷懒
3、完美——左边的人追求完美，什么事情都要做到最好；而右边的人则允许犯错，承认错误（时机比完美更重要）
4、能力——左边的人最求能力强（超人！），而右边的人则最求无能（找有能力的人）
5、目的——四个象限的人对待财务的目的具有显著的区别。雇员工作的目的是为了拿薪水，自由职业者工作的目的是为了拿更多的薪水；而大企业主和投资者最求的是为时间和财务的自由而工作
6、累积性——左边的人工作没有累积性，停止工作就停止收入；而右边的人工作具有累积性，最求的是停止工作也能够有源源不断地收入
7、沟通——左边的人强调少说多做；而右边的人则强调多说少做
8、合作——左边的人强调独立工作能力；而右边的人则强调合作
看过这些区别，你就会发现其实雇员和自由职业者就是使自己变成赚钱机器，而大气业主和投资者则是在打造赚钱机器。但我们受到的教育却更多的是让你成为左边的人的教育，而不是让你成为右边的人。
那么如何来打造赚钱机器呢？讲座中也给出了一个模型可供参考：
打造赚钱机器有八个步骤：
1、使命——一个企业要有一个能够满足社会需求的使命，才有可能长
青；
2、团队——要实现企业的使命，必须有一个相信，并且愿意去实现使
命的专业团队；
3、领导——讲的是企业必须有一个好的Leader
4、现金流管理——要抓好企业的现金流管理，保持正向的现金流
5、沟通管理——加强与外部和内部的有效沟通，对外沟通越多，现金流入就越多。这里对外沟通包含：对公众，对客户的沟通；对内沟通包含对员工，对股东等。其形式包含网站、名片、宣传品、与客户的接触等多种形式均为沟通
6、系统化——建立有效的机制来保证通过有效的沟通实现现金流管理。这里的系统指老板不在场，企业也能正常运作的机制
7、法律——用法律来保护自己的企业
8、产品——最后来看提供的产品
另外比较有感受到的一个公式是：知道+做到=得到
对客户的沟通就是：把我的思考放进客户脑袋，吧客户的钱放进我的口袋。
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