Rich dad, poor dad (富爸爸 穷爸爸)
The diagrams show the flow of cash through a poor, middle class or wealthy person's life. It is the cash flow that tells the story. It is the story of how a person handles their money, what they do after they get the money in their hand.
I cringe whenever 1 hear people ask me how to get rich quicker. Or where do they start? I often hear, "I'm in debt so I need lo make more money."
But more money will often not solve the problem; in fact, it may actually accelerate the problem. Money often makes obvious our tragic human flaws. Money often puts a spotlight on what we do not know. That is why, all too often, a person who comes into a sudden windfall of cash-let's say an inheritance, a pay raise or lottery winnings-soon returns to the same financial mess, if not worse than the mess they were in before they received the money. Money only accentuates the cash flow pattern running in your head. If your pattern is to spend everything you get, most likely an increase in cash will just result in an increase in spending. Thus, the saying, "A fool and his money is one big party,"
Rich dad, poor dad(富爸爸 穷爸爸)
图中的箭头方向表明了现金的流动或“现金流量”。数字本身意义不大,正如文字本身意义不大一样,重要的是数字或文字所要表述的东西。在财务报告中,读数字是为了发现情况、了解流向,即钱在向哪儿流。80%的家庭中,财务报表表现的是一幅超前努力工作的图景,不是因为他们不挣钱,而是因为他们购买的是负债而非资产。
当我听到人们问我“怎样才能快速致富,应当从哪儿开始”时,我常会感到担心。我也常听人说:“我欠了债,所以我得挣钱。”
但更多的钱往往不能解决问题,实际上它可能使问题变得更加严重。钱常常使我们人性中的弱点显露,钱不能掩盖我们的无知。这就是为什么经常有些人在忽然得到一大笔意外之财,比如遗产、加薪或中彩之后,却又很快失去的原因――甚至有些人会比他得到那些钱之前的财务状况更糟。钱只是使你头脑中的现金流向图的流向更加明显,如果你的现金流向图是把收入都花掉,那么最可能的结果是增加了收入的同时也增加了支出。正所谓:“钱愚弄人”。