This time, it is about the answers to the after-class thinking questions and the golden sentences of each chapter of Poor Dad and Rich Dad.
Lesson one? Rich people do not work for money.
Golden sentence:
1. The poor and the middle class work for money. The rich man makes money work for him.
Don't blame me, and don't think this is my problem. If you think it's my problem, you will want to change me; If you think the problem is you, you should change yourself and learn something to make yourself smarter.
When it comes to money, most people want to make money safely, so that they can feel safe. About money, they have no passion, only fear.
For most people, the more money they are given, the more debt they have.
People think of finding a stable job out of fear. The reasons for fear are: fear of not paying the bill, fear of being fired, fear of not having enough money, and fear of starting over. They will study a skill hard and then work hard for money. Most people become slaves to money.
New problems
1. Is it common for Robert's poor father to deal with money?
A: Very common, but this is the way most people deal with money now.
Robert's rich father said that real learning needs energy, passion and eager desire. Are there any examples in your life to prove it? What is your most unforgettable lesson? Why?
A: Thousands of people read Zeng Guofan together, with energy, passion and eager desire. They stayed up late at night, taking notes and writing maps, and watching everyone share and communicate from different angles. Because it is very meaningful to attend such a meaningful online class for the first time, many people are fighting for a book together. You can know this historical figure thoroughly.
3. Is it a fear trend? Do most people work? Are there any other reasons?
A: Yes, most people are unwilling to take risks because they are afraid of not having a stable income, so that they work hard, make money and pay back the money, complain about their work and try to make money. This has become an endless cycle.
Do you think most people are trapped in the "rat race"? Why?
A: I also admit this, because I am one of the mice in the cage. I race back and forth in this cage, earn a limited salary by working, and then pay back the money I spent, and then earn more or even spend more in the deficit.
Lesson two? Why should we teach financial knowledge?
Golden sentence:
What matters is not how much money you earn, but how much money you can keep.
2. The rich get assets, and the poor and middle class get liabilities, but they think those liabilities are assets.
3. If your model is to spend all your income, then the most likely result is to increase your income and your expenses.
New problems
1. When did your financial education begin? Did you start with this book or somewhere else?
A: Starting from this book, I have a new understanding of money. We should make money work for us, not for money.
When you first read Robert's definition of assets and liabilities, what was your reaction?
A: First of all, it is my first time to contact with professional financial knowledge. This book is easy to understand. Assets are putting the money in your pocket, liabilities are using the money in your pocket.
How did you react when Robert said that the house was not an asset? Do you regard the house as an asset? Did you change your mind when he put forward sufficient arguments?
A: As for whether a house is an asset, I also tried to ask my friends around me. In fact, like most people, I think a house is an asset. Some people say that it depends on whether the house is bought in full or in installments. After reading what the author said, whether it is an asset or a liability lies not in the payment method of the house, but in whether it can put money in your pocket or take money out of your pocket to distinguish whether it is an asset or not.
4. Which cash flow situation is closer to your life?
A: It is the cash flow of the poor, and all the income comes from work to pay for some daily expenses.
5. Apart from your house, what else did you think was an asset at first, but later proved to be a liability?
A: At first, physical objects such as cars were considered as fixed assets, but they often used the money in their pockets for routine maintenance, so subtraction was still needed.
6. Do you agree with the view that what most people lack in education is not how to make money, but how to deal with it? For the club?
A: Well, I think the way of money education in schools or ordinary families is very conservative. When I grow up, I will find a stable job, preferably a state-owned enterprise, where I will retire. In the eyes of most people, the stereotype of state-owned enterprises is excellent, stable, well-paid and not intense. However, it is this kind of thinking and concept that puts most of the next generation of children in a fixed circle and basically knows little about financial management.
7. Rich dad told the children that in accounting, the key is not numbers, but what the teacher wants to tell you. What do the numbers in your life tell you?
A: My understanding of this sentence is that the so-called superficial understanding refers to looking at the essence through the phenomenon, how the numbers change, what laws are there, what kind of situation is developing now, the direction of cash flow, and your own consumption pattern.
8. Is there a moment in your life when you seem to have made a small achievement, such as a promotion or a salary increase, but it didn't bring the results you wanted to your balance sheet?
A: Yes, among many jobs, the salary of one job is considerable. However, the salary is high, and the debt is also increasing, because the idea is not to make good use of the extra money, but to spend it further and become a "mouse race" game.
9. If you stop working today, how many days will you live? Does this number surprise you or scare you?
A: If I stop working today, I will live for a few days, because it involves a lot of family expenses, so I feel panic inside. I will gradually develop the habit of making money work for me, get rid of fixed thinking patterns and earn money at work. If you can't find a good opportunity to make money at the moment, you can wait and see the opportunity of financial management while going to work. You must have preferences and ability.
Lesson three? Pay attention to your career
Golden sentence:
1. The rich care about assets, while others care about income.
People with financial problems often work for others all their lives, and many people have nothing when they can't work.
3. Once you put 1 USD into the asset project, don't let it go out. You should make it your employee. The most wonderful thing about money is that it can work for you 24 hours a day and serve your descendants.
An important difference is that the rich will buy luxury goods last, while the poor will buy them first.
The poor buy luxury goods with their hard-earned money and the legacy that should have been left to their children and grandchildren.
New problems
1. What is your occupation and career? What's the difference between them?
A: I am an ordinary employee now and have no career. Occupation means that what you are doing now is your occupation, and your occupation is self-centered and self-managed. This is the difference between the two.
2. Before you read this chapter, what will you count into your net assets? What do you think of them now?
A: This question has been answered in the last chapter. What I understand is the difference between assets and liabilities.
3. Do you like the assets you acquired? If not, how will you replace them?
A: I haven't acquired assets yet, but I am willing to change the status quo, change my previous financial thinking mode, slowly shift my focus and find my favorite way to acquire assets.
4. Is there a moment when your cash flow shows that you can't buy luxury goods, but you bought them? Is there a moment when your cash flow shows that you can buy luxury goods before you buy them? Compare your feelings at the time of purchase and after purchase in these two situations.
A: I used to make such mistakes, and I couldn't wait to overdraw all kinds of luxury goods with my credit card. From the beginning of reading, the demand in this area has been controlled a lot, and the desire to buy books is greater than the demand for luxury goods. Illiteracy in the future is not illiteracy, but people who have read books without understanding. Later, when I got a little richer, I didn't feel nervous when I went to buy luxury goods, but I could get it and control it.
5. Is there anyone in your family who has worked for others all his life and finally got nothing? If so, what do you suggest they do?
A: There are people everywhere around me. My family is very traditional. Both parents work for a living. If I suggest, I really should have some financial awareness, but it is also related to their education and family status.
Lesson four? The history of taxation and the power of companies.
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1. In fact, it is not the rich who pay taxes, but the middle class, especially the well-educated high-income middle class, who pay taxes for the poor.
If you work for money, you give the boss strength. If you let money work for you, you can control this power.
New problems
1. Do you agree with rich dad that Robin Hood is a thief? Why?
A: First of all, I think this is not an economic problem, but a social problem. Everyone has different values and different perspectives. Rich dad thinks Robin Hood is a thief because from his point of view, Robin Hood really touches the interests of the rich, so he thinks he is a thief and the poor are lazy. It depends on these heroes who rob the rich and help the poor. A thousand readers have a thousand Hamlets, and everyone has their own views on things. Whether to be a thief or a hero is a social problem. If there are rich people, there will be poor people. Everyone has different desires for money, just like the poor father and rich father in the article.
2. Follow-up questions involve political issues, and it is inconvenient to answer if you don't understand them.
Lesson five? The investment of the rich
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1. In real life, people often get ahead by courage rather than wisdom.
Rich people tend to be more creative and willing to take risks after careful planning.
Our only and most important asset is our mind. If well trained, it can create a lot of wealth in an instant. And an untrained mind may create countless poverty to bring down a family or even generations.
Usually, the investments with "safety labels" are handled by others. They are so safe that the return is pitiful.
5. If you know what you are doing, it is not gambling; If you put money into a transaction and just pray, it's gambling.
6. Good opportunities are seen with the brain, not with the eyes.
7. Understand the importance of financial quotient, which is your greatest wealth. Not knowing this will be the biggest risk you face.
New problems
1. Robert said that what hinders our progress is not the lack of technical knowledge, but the lack of self-doubt and self-confidence. Is there such an example in your life or is there anyone around you who missed an excellent opportunity because of self-doubt?
A: Personally, I don't think it's all a lack of non-technical knowledge. There is still some technical knowledge in it, and then doubt and confidence can control everything. If you don't know a little knowledge, you can't seize the opportunity by confidence. I have been confused myself, and I have no knowledge and awareness of financial management, nor have I been educated and edified in this field. Training in this field should be increased in the future. Opportunities are reserved for those who are prepared.
Some people are rich, but their financial situation is not satisfactory. Why is this?
A: I understand that the financial quotient is low and the money is not used in the right place. Financial quotient is the greatest wealth. If you don't know this, you will face the greatest risk.
When you constantly improve your financial quotient, think about how it can help you to judge the quality of the transaction more easily.
A: judging whether a transaction is good or bad mainly depends on whether it can bring benefits and whether it can continue to develop in the future. The bigger the financial quotient, the lower the risk, because it is wider and more vulnerable.
4. Robert listed two kinds of investors: (1) people who buy a package of investments; (2) People who create their own investment opportunities. What kind of person are you? Do you want to be that person?
A: At this stage, people who will buy a package investment will face less benefits because they need little knowledge and time. Everyone wants to be the leader of this game. I want to be the one who creates my own investment opportunities. After reading this book, I will start to do it. First, I have to find a field that I like.
5. What do you think of the fear of failure in life? How does it stop you from seizing the opportunity? How will you overcome this fear in the future?
A: We should be calm about failure. Failure is not terrible. The terrible thing is that we didn't learn from the experience after the failure and continued to fail. Have been exposed to assets before, such as funds and futures. Because I don't know them, it's pure gambling, and I haven't found a good opportunity yet. I have nothing to be afraid of. Let me remember that we must spend unnecessary money on financial management, otherwise the situation will be very dangerous.
Lesson six? Learn not to work for money.
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1. For a well-educated father, job stability is everything; For rich dad, continuous learning is everything.
I often wonder why some talented people only earn very low wages, just like an old saying, "Work is better than bankruptcy". Unfortunately, this applies to millions of people.
I suggest that young people look for jobs according to what they can learn, not just how much money they can earn.
The world is full of talented poor people.
New problems
1. Do you know anyone who is talented but doesn't make much money? If they make changes, what will be the difference?
A: There are many talented people around, but there is no standard to measure how much they earn. They should make a lot of money if they want to measure it themselves. The change I understand is to increase your understanding and accumulation of financial quotient. Then look at the financial problems will be more extensive.
2. How do you seek skills other than professional skills? What was the result?
A: I am slowly seeking other skills besides my professional skills, such as learning English and reading books. From this, I broadened my horizons and changed my thinking mode accordingly.
You would rather have a stable job than quit your job and devote yourself to another job, even if this new job will bring you more benefits in the long run. What is your decision?
A: If I can bring more benefits for a long time, I will quit my current stable job, because stability means that people are gradually familiar with this work rule, and there is no challenge, which makes the brain unwilling to leave this comfort zone. Always tell yourself to get out of the "comfort zone" so that you can move forward slowly.
4. If someone asks you about the important skills they need to learn in their work and life, what would you say?
A: I will answer him that learning a new skill is very important in life or work. Life is like playing a game. Just like mastering a new skill, a new skill can better pass the next level, escape from danger in desperation and find a new way out in the endless wilderness. It's probably the old saying, "skill is more than pressure."
5. What role does giving play in your life? Do you think this is an important part of your success?
A: Giving plays an important role in my life, although I don't give as much money as my rich dad. But in other ways, I also do what I can, such as helping people move boxes on the subway and giving up my seat when I see the old, the weak and the sick. Although this little thing seems extremely simple, it is indeed what many people lack now. It's none of your business, a high-hanging posture and an indifferent attitude. In fact, human beings are gregarious animals, but now they have become docile animals after putting on clothes. We are not limited to being so savage, but we are still animals in essence. Giving someone a rose is fragrant, and paying without asking for anything in return is a positive attitude and a favorable crutch on the road to success.
6. In addition to the current methods of giving, what other methods do you have?
A: As explained in the previous question, giving is more satisfying than receiving.
Lesson 7 Overcoming Difficulties
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1. The main difference between the rich and the poor is that they deal with fear in different ways.
I have never met a golfer who has never conceded a goal, a lover who has never been sad, and a rich man who has never lost money.
For most people, they are financially unsuccessful because the pain brought by losing money is far greater than the pleasure brought by getting rich.
Without much education, it is technically easy to get rid of the life of "rat race", but those doubts make most people unable to move.
New problems
1. Have you ever experienced the fear of failure in life? Can you overcome this fear? What should you do?
A: I have experienced all kinds of failures, whether in study, life or career, and I often have despair and fear. With the growth of age and experience, things to fear gradually decrease, but things become more difficult. What can be overcome will be overcome, unlike when you are young, you can't start anything.
2. How do you deal with the cynics in your life who try to stop you from taking risks and think you have a chance to win?
A: I have never met such a cynic, because there is nothing to take risks in doing one thing alone.
3. Are you because "I don't want it? . "And give up some investment methods (for example, I don't invest in real estate because I don't want to repair toilets)? How will you react differently to this next time?
A: I have had this idea countless times because I know very little about investment. When I want to do something, I find myself afraid of wolves and tigers. I only rely on Nuo Nuo. The first fear is that I have no experience and don't want to put down my posture and do things like "repairing toilets" as mentioned in the book. The second is the fear of chain reaction in life caused by failure, such as family, relatives and so on.
Do you agree that greed is the cure for laziness?
A: I understand this sentence. There is a degree of greed here. If it is reasonable greed, it is indeed a good cure for laziness. Because it allows you to keep moving forward and keep occupying. But excessive greed becomes indulgence.
5. How does greed or desire motivate you in your life?
A: These two words are derogatory in most contexts, greed and desire. But if you can use it profitably, you can really motivate yourself. For example, if you read books by yourself and buy a lot of books, you want to take possession of the knowledge inside and integrate it into your brain, so you will keep reading whenever you have time. This is a desire, a positive desire.
Lesson 8 Take action
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1. Gold mines are everywhere, but most people have not received corresponding training, so they can't find them.
Without strong goals and reasons, everything becomes very difficult.
3.90% people will choose to buy TV, and only about 10% people will buy books on business and investment.
We know that there are many people who have received higher education, maybe they think they are smart, but their balance sheets are in a mess.
If you are tired of your job, or you don't earn much money, it's easy to change your mode of making money.
6. People who are not determined enough are often defeated by self-disciplined people.
7. The easy road will become more and more difficult, and the hard road will often become easier.
Concluding remarks
You can refer to the author's practice:
1. Stop what you are doing: take a break and evaluate what works and what doesn't.
2. Looking for new ideas: Looking for unusual ideas in books.
3. Find some people who have done what you want to do: Ask them for some tips and tricks.
4. Reading: Read related books.
People who act will always defeat those who don't.
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