Me he propuesto educarme financieramente, creo que es algo que debo hacer por mí, así que he empezado a leer un clásico entre los clásicos: Padre rico, padre pobre. Exactamente no sé qué esperaba encontrar, pero me he quedado un tanto plof! Creo que sus consejos en cuanto a invertir están bien, aunque hoy en día no nos descubre nada nuevo.

I thought this book was great! Along with being a very pleasant read it had many valuable financial lessons to teach us. I’ll quickly go through some of the very important points.

We really don’t get taught anything about financial management in school. I’m shocked at how many of my friends know nothing about how their credit card works, let alone how to use simple accounting to correctly assess their financial position. We need to have financial literacy to survive.

The book explores the types of financial management lessons the rich teach their children. These are the lessons that the poor and middle class miss out on. They are simple and basically revolve around learning as much as possible so that you can make educated decisions about money. Most importantly, this book gives you some basic ideas of things you will need to learn more about.. so you’re not just learning useless facts and you are in fact learning the right things to become financially literate.

A most important thing to learn from this book is that you don’t get rich working for money. Wages will only keep you just above broke. Seriously, how many times do we have to be told this before we believe it enough to change our lives? Get out of the rat race!

“Most people never see the trap they are in.” — Robert T Kiyosaki

Most people work because they are afraid of not having money or they desire things that they think will make them happy. Then they are stuck working for fear of losing that income. They want security. The aim is to not let money run your life. Curb your desires and don’t be afraid of having nothing. Beware of the hole in your pocket. Don’t let your emotions rule your decision making. Think with your head!

“With each dollar bill that enters your hand, you and only you have the power to determine your destiny. Spend it foolishly, you choose to be poor. Spend it on liabilities, you choose to be middle class. Invest it in your mind and learn how to acquire assets and you will be choosing wealth as your goal and future. The choice is yours and only yours. Every day with every dollar, you choose to be rich, poor or middle class.” — Robert T Kiyosaki

Learn to correctly identify assets and then buy assets. For most people, a home is a liability not an asset. Assets put money back into your pocket. Make every dollar you get work for you. Invest it. Then it will come back as more income. Easy!

“Build and keep your asset column strong. Once a dollar goes into it, never let it come out. Think of it this way, once a dollar goes into your asset column, it becomes your employee. ” — Robert T Kiyosaki

Always make sure you pay yourself first - and that means assets, not splurging! If you invest your money wisely it will create the income you need to pay the bills later. Plus, it will scare you into making your brain think about how to create some more money in the meantime. Forbid the words “I can’t afford it” and replace them with “How can I afford it?”. You’ll turn your brain on and force it to come up with a solution.

Learn legal ways to avoid paying so much in taxes. Protect your investments through corporations. Corporations pay less in tax than the highest income brackets. Now, due to the tiering structure in Australia you’d have to be earning quite a bit before a flat 30% tax rate was less expensive than your tiered rate. But the point is to LEARN. Find out about taxes and legal ways to minimise them. Talk to an accountant about your current situation. Hire intelligent people to help you.

Don’t just do what everyone else does. Educate yourself and then take educated risks! You’ll get better at it every time you try it.

“Sometimes you win and sometimes you learn.” — Robert T Kiyosaki

Ensure you have enough money not tied up to be able to take advantage of good opportunities. Just like when you are playing Monopoly, you need to ensure you have sufficient cash to buy properties in auction or you could miss a bargain.

Young people should develop investment portfolios before deciding to own a house. The benefits of the extra years on the portfolio are phenomenal. What are the best types of assets? Things that make money by themselves: Businesses that don’t require your presence, managed funds, stocks, bonds, royalties and income-generating real estate.

“Money is only an idea. If you want more money simply change your thinking” — Robert T Kiyosaki

To start off with, most people need to earn a wage to get their initial funds for investing. This doesn’t have to lead to a career. Choose jobs according to what you will learn from them. Groom yourself as a CEO would groom an young, rising star. Learn a little bit about everything and try not to over-specialise. Specialisation is a risk in itself. What happens if that profession becomes redundant? Where will you be then?

Get over your fear, cynicism, laziness, bad habits and arrogance. Fear of losing, rejection, lack of money. We learn by making mistakes. Make some! If what you’re currently doing isn’t working you have to change it. Stop being a cynic and ask wealthy people you know how they did it. Find role models. Read books. Look for new ideas. Go to seminars. Learn! Beat laziness by asking yourself “What’s in it for me?”. Get off your butt and do something about your situation. Now!

“A person needs to sit down and ask, ‘What’s in it for me if I’m healthy, sexy and good looking?’ Or ‘What would my life be like if I never had to work again’ Or ‘What would I do if I had all the money I needed?’. Without a little greed, the desire to have something better, progress is not made.” — Robert T Kiyosaki

To receive you must give. Give generously. Teach others what you know as you will learn more also. Help others to have what you want as you will gain also. Give money to charity. Smile at people. Help others gain contacts and sales. What you give will come back.

- Curb your desires and get rid of the hole in your pocket
- Make every dollar work for you
- Always think "How can I afford it?"
- Change what you're doing to something that works
- Learn about finance, accounting and taxes
- Learn about business communication, sales, advertising and PR
- Learn about management: cash flow, systems, personal time management and people
- Get over your fear of rejection and fear of failure
- Work with people smarter than you are
- Work to learn
- Give generously
- Learn about investment options
- Learn about how to raise money to finance good opportunities
- Keep your finances ready to take advantage of a great deal
- Always keep your eye out for good investment opportunities
- Make offers
- TAKE ACTION!!

“Action always beats inaction.” — Robert T Kiyosaki

Personal plug - I originally reviewed this book for my self-help blog, which is here: http://bootstrapyourlife.net/

قرأت الكتاب بالعربية منذ حوالي عامين باسم الاب الغني و الاب الفقير
يحكي مؤلف الكتاب ان من قام بتربيتة إضافة إلي والده هو والد أحد أصدقائة و الذي يتمتع بفكر مختلف تماما عن الفكر المحافظ لوالده
الكتاب هو توضيح لانك إذا اردت ان تصبح غنيا فعليك ان تفكر مثل الاغنياء تعيد تحديد اولوياتك و ساعات عملك و طريقة تصرفك في ما تحت لديك من اموال و غيرها
الكتاب عملي جدا و بسيط جدا لا يحتاج ان تكون دارس للاقتصاد مثلا او غيره
تشبة فكره الكتاب ( و لكن إلي حد بعيد ) كتاب ل يوسف إدريس اسمة فقر الفكر و فكر الفقر لكن كتاب يوسف ادريس يركز علي تغيير فكر المجتمع بينما الاب الغني يركز علي تغيير فكر الفرد

2021-ųjų update'as, skirtas šiam šedevrui:
Mr. Kiyosaki-san, sir, would you be so kind to fuck off?

O dar paskaitę šitą knygą sužinosit, kad jei jūsų tėtis nesimaudo piniguose, tai jis lochas ir šiaip iš esmės niekam tikęs žmogus. Ties šia vieta skaitymas ir baigėsi. Šūdas, ne knyga. Jei labai neturit ką veikt, geriau jau tada paskaitykit Coelho. Arba pažiūrėkit, kaip auga žolė. Arba kaip džiūna dažai - vis naudingiau bus.

Sorry, but this book is a bunch of mumbo-jumbo BS.

The concepts in this book, to me, are common sense and there are no concrete applications to his ideas. Yes, the poor get poorer while the rich get richer, there's a ground-breaking idea! Yes, most people don't know how to manage their money, we know, so how about telling us how?

The majority of the book is Kiyosaki wanking it, telling us stories about his life (which I don't even think are true).

If you want to learn about personal finance and investment strategies, this is not the book for you.

Rich Dad, Poor Dad, and all of Robert Kiyosaki's books are excellent must-reads for any entrepreneur. Robert's actual father was a University educated wage-earning life-long employee who encouraged Robert to follow in his footsteps to find success. Meanwhile, Robert's friend's father was a high-school dropout unemployed entrepreneur who also encouraged following in his footsteps. The twist is that Robert's friend's father, his "Rich Dad," was far more wealthy and successful than his own father, which went against everything he was taught by his "Poor Dad." This cognitive dissonance sent him on a mission to discover the truth about what it takes to achieve real economic stability and financial freedom in this day and age. This and Robert's other books inspired me to create the following article/video I hope everyone will see, "How to Quit Your Slave Job (and Live Your Dream Life!) https://ericdubay.wordpress.com/2018/...

Fun fact, this book caught my attention because the title looked gay.

I kept reading despite this because I've officially started MBA courses and I recognize that if I won't find something to love in Business, I will not be able to complete this degree, let alone succeed. That is a shame because people's amazed faces when I share my degrees is such an ego boost (which I desperately need cause cheers for crippling imposter syndrome).

In short chapters, Kiyosaki shares the financial education he received from "rich dad", the father of one of his friends. He compares it to the financial advice his own father gave him. The argument is that most people stay unhappy with their financial situation because they don't own any assets and they end up working for others, rather than for themselves. While his own father encourages him to seek an education and a stable job, his rich father helps him become financially educated.

The book is written in a very accessible way. It's clear that his target audience is frustrated people who lack knowledge and he definitely manages to make his messages come across. However repetitive, this book is short and easy.

I fear this is the end of positive things I can say on this book. As others have pointed out, Kiyosaki recognizes the importance of professionals and educated people and yet, consistently bashes them. Much of this book is filled with condescending and rude rhetoric towards intellectuals and the working class.

Here's the thing. Labor is necessary. With this in mind, not everyone will be able to apply these lessons because ultimately, in our current age, you're still going to need someone down the line doing the actual labor. Jeff Bezos can get richer with his assets but his entire company rests on the people working in delivery and packaging. So really, Kiyosaki's condescension makes little sense. His own company requires lawyers, accountants, etc, who are all educated people. Without workers, both educated and not, Kiyosaki's "financial education" means nothing. He can say these people are in the "rat race", that they're forever working for someone else but what he proposes seems to be "let's gain wealth on the backs of others!".

Really, I hesitate to stand behind the "eat the rich" crowd but damn, studying business is making me an actual communist.

In fact, I found myself grateful that I'm studying Politics, Philosophy and Economics before approaching Business. At least Economics has the dignity to pretend that it's for the benefit of others, that the market benefits from greed. Business seems to be a field for people who simply want to be rich and powerful without caring about the societal impact of their behavior (whoops, is this the right attitude to succeed in my MBA?).

Now, up until the fifth chapter, I was able to excuse this book as greed inducing and that's it. However, in the fifth chapter, Kiyosaki gets into taxes. He rightfully points out that rich people don't pay taxes so that the weight of taxes fall on the shoulders of the middle class. At this point, I had hoped Kiyosaki was ready to look at the social impact of his ideas.

Obviously not. Instead, Kiyosaki claims that this will always be the case because the rich are able to evade taxes. This is a confusion of normative and descriptive. It is true that the rich do not pay taxes however, is this what we ideally want? Somehow, Kiyosaki seems to feel that since the rich do tax evasion, we should all strive to be like the rich and evade tax. Doesn't it make more sense for the government to force the rich to pay the taxes?

Kiyosaki seems to suggest that it's inevitable that the rich will find loopholes. However, when corporations have such an impact on politics in the US (for example, if you still have some faith in the American democracy,read this paper!), it should come as surprise to no one that they evade tax. This means that the group who is screwing people over is the rich (*coughs* rich dad is a thief), and not the government, unlike how Kiyosaki wishes to present it.

Then, he talks about healthcare and old age care. Again, he portrays some of the challenges the middle class faces yet he pretty much lost the last bits of my respect when he referred to American healthcare as "socialized". My dude, have you looked at other developed democracies?

Really, the American centric nature of this book was too much for me. Like, come on, your defunct welfare state is not something to be proud of. There are other forms of capitalism which are not socialism and do include social benefits. There are other ways to build an economy.

Things don't improve from here. The book ends with more ego-stroking. To conclude, yes, financial education matters but part of financial education should be some form of social thinking. Basically, Economics and Business can't be studied alone, this is a recipe to creating selfish villains, poor dad was right all along.

What I'm Taking With Me
- Don't even get me started on his comments on unions.
- I just have so much disdain for business. For example, in my reading today, the textbook cheerfully pointed out that some airlines have "informal job descriptions" where workers "pitch in!". The flight attendants also help clean the plane and the pilots also load luggage so the company is very cost efficient. Or in other words, the airline essentially robs workers fair payment from the labor they do. This shouldn't be applauded. Frankly, this should be illegal, what the heck does an informal job description mean? #Elizabeth_Anderson_is_right
- Well, time to continue my finance homework. Can you guys believe I've started to keep track of the stock market? What's happening to me??

-------------------------------
Life in a post (???) Covid country can be summed up as constantly going "when is it okay to be without a mask, is it still socially acceptable to avoid strangers, ahhhhh, everything feels wrong and I am stressed"

Review to come, once I figure out how this period of time is meant to work

2017 yılında Türkiye Bankalar Birliği için "Yetişkin Finansal Okuryazarlık Yetkinliği" başlığında 100 sayfalık bir OECD raporu çevirmiştim. Aslında çok önemli olan ancak birçok ülkenin gündemine bile girmeyen bu konuda Türkiye neredeyse her konuda olduğu gibi sınıfta kalmıştı. Şöyle ki;

- Finansal bilgi, tutum ve davranışta sondan 9'uncu
- "Ay sonunu getirmek için borç aldım" ifadesinde 3'üncü
- Kişi tarafından raporlanan bilgiye göre finansal bilgi puanı olarak sondan 3'üncü idi.

Zengin Baba Yoksul Baba'nın ilk birkaç bölümü hariç geri kalan kısımlar pek bize hitap etmiyordu. Yine de inanılmaz önemli dersler sundu.

1. Finansal Okuryazar değiliz. Robert Kiyosaki'ye göre Zenginlerin daha da zenginleşmesinin, yoksulların daha yoksullaşmasının, orta sınıftakilerin de borç içinde çabalamasının nedenlerinden biri para dersini okulda değil, evde öğrenmeleri. Parayla ilgili konuları öğretmek çoğu yoksul ya da yoksullaşan ailelerin sorumluluğuna bırakıldığı sürece bir ulus nasıl ayakta kabilir?

2. Eviniz aktif bir varlık değildir . Tüm parasını betona gömen bir millet olarak bize garip gelebilir. Ben de bu işin otoritesi değilim ancak "Paranın Zaman Değeri" için bir de Özgür Hoca'ya kulak vermek gerek.
- Nakit Kraldır: https://www.youtube.com/watch?v=cZ-11...
- Bir Evin Fiyatı ve Gerçek Değeri: https://www.youtube.com/watch?v=R1MJz...

3. Tasarruf edenler kaybedenlerdir. Gelirdeki artışlar çalışanlara - para için çalışan insanlara değil, girişimcilere ve yatırımcılara gitmektedir. Vergiler üreten kesime ceza, üretmeyen kesime ödüldür. Bu dersleri öğrenirsen, akıllı, varlıklı ve mutlu bir genç olursun. Yok öğrenmezsen, hayatını suçu birilerine atarak geçirirsin; işine, düşük maaşına, patronuna. Ömrün boyunca bütün maddi sıkıntılarına çözüm olacak o büyük günü bekler durursun. Yoksullar ve orta sınıf para için çalışır, zenginler parayı çalıştırır.

Peki ben bu 3 önemli dersten ne öğrendim?

1. Öncelikle ben finansal okuryazar olmalıyım. Aslında bu açıdan da şanslıydım çünkü babam 17 yaşından beri kendi işini yapan, borsa ve piyasalar konusunda deneyimli bir kişiydi. Ancak kelimenin tam anlamıyla hiçbirşey öğretmedi. Ne hayatla ilgili, ne piyasalarla ilgili. Ben de her eğitimli genç gibi kurumsal hayatın girdabında bocaladım durdum. Ta ki 29 yaşımda kendi işimi kurup dizginleri elime alana kadar. Finansal okuryazarlığı benden başka kimse öğretmeyecekse oğluma bunları öğretmek ona en büyük armağanım olacaktır.

2. Açıkçası 2020 yılındaki faiz indiriminden faydalanmadığım için biraz FOMO (Fear of Missing Out) oldum. Kaçırıyor muyum dedim. Bugün İstanbul'da 3+1 ev fiyatları milyonlarla ifade edilirken kendimi kötü hissettim. Ancak önce Özgür Hocam, sonra bu kitabı bana öneren arkadaşım, en son da Robert Kiyosaki içime su serpti.

3. Pasif ve aktif arasındaki farkı bileceksin ve paranı aktiflere yatıracaksın. Bana hayatım boyunca tasarruf etmem öğretildi. Muhtemelen bu yüzden ben de çok iyi bir "biriktirici" oldum. Bunun tersi paranızı savurmak, gereksiz yere harcamak değil. Bu kitapla, üçüncü bir seçeneğin olduğunu öğrendim. Bazı şeyleri halihazırda içgüdüsel olarak yaptığım için de ayrıca sevindim.

Örneğin hayat boyu şu bireysel emekliliği anlayamadım. Devlet desteği almak için şu kadar sene sistemde kalacaksın, paranı çekemeyeceksin, çekersen şu kadar ceza ödeyeceksin, olur yaşın da gelirse o zaman sana kademeli olarak daha yüksek aylık bağlanacak, paran bende merak etme. Tamam kendimi finansal okuryazar görmüyorum ama kendim değerlendirebilecek kadar da hakimim.

Aynısı sosyal sigortalar için de geçerli. Bugün düzenli ödediğim için her ay 1.055 lira Bağkur ödüyorum. Daha 7 yıldır bir kez sosyal sigortanın bana sağladığı imkanlardan faydalanmadım. Buna karşılık özel sağlık sigortama aylık 100 TL ödüyorum ve biliyorum ki ameliyat bile olsam tamamı istediğim hastanede karşılanacak. Emekli aylığı içinse bu karar niye bana bırakılamıyor anlamıyorum. Ödediğim vergilere karşılık ne yol, ne su, ne elektrik, ne doğalgaz, ne köprü, ne okul, ne sağlık, hiçbir imkanından faydalanamadığım güzel ülkemde keşke bu karar bana bırakılsaydı. Bu konuda da sizi Vergi Uzmanı Dr. Ozan Bingöl'e emanet ediyorum: https://www.youtube.com/watch?v=JXUlu...

Kitap olarak bakacak olursak her bölümü olmasa da içinde çok değerli bilgiler barındıran ufuk açıcı ve eğitici bir kitaptı..

Herkese keyifli okumalar!

كموظفة جديدة، وفتاة ذات سمعة سيئة بالتوفير والمحافظة على النقود، ولرغبتي في تغيير الأمور ولأن أصبح سيدة أعمال قررت شراء الكتاب وقراءته عَل وعسى أن يكون للكتاب مفعول سحري يغير من عاداتي السيئة ويساعدني في ما أريد الوصول له ولكن قبل عرض النتيجة لنتطرق بمحتوى الكتاب أولاً:

اصدر هذا الكتاب لمن يريد أن يكون مختلفاً ويفكر بطريقة مختلفة، أن تكون ثرياً يعني أن تجعل المال يعمل من أجلك لا أن تعمل من أجله وتحصر نفسك في وظيفة وتشقى في التعلم لتكون نهايتك كالأغلبية، مسن يعتمد على راتب تقاعده إن انقطع انقطعت معه آماله وأحلامه في حياة كريمة.

من عيوب مدارسنا أنه لا يمكن الإعتماد عليها في تعليم أبنائنا حقائق عن المال، لذلك لا تعتبر المدرسة مصدر أو طريقة لتحقيق الثراء كما يلقنوننا دائماً، بل بالتعلم وتطوير الذات يتسلق الإنسان سلم الثراء ويصل له.

يحتوي الكتاب على الطرق التي استخدمها الكاتب والنصائح والتوجيهات التي ساعدته لتحقيق الثراء، أسلوب الكتاب بسيط ومفهوم، مناسب لكل شخص يرغب بالتغيير والإستقلال المادي، أو حتى يحتاج دافعاً ليخطي خطوة التغيير.

انتهيت من الكتاب بعد نزول أول راتب لي وليس قبله لذلك خمنوا ماذا حدث يا أصدقاء... حسناً تم صرف ٩٠٪‏ من الراتب في أول أسبوع فقط

أهم 15 اقتباس من كتاب "الأب الغني والأب الفقير"

I read this book while in an Entrepreneur phase. On one hand, it is rather inspiring, in a John Madden sort of way. You see, John Madden (American football broadcaster) always makes everything sound easy, which may be how he coached the Raiders to the superbowl. He'll say something like "now what they need to do here is score a touchdown. I think that if they can do that, they will turn this game around".

I still recall a memorable game where a quarterback's contact fell out, and while he and the refs looked for it, Madden said "now here's a guy who when he wears glasses, he can see better". When it's explained in such a simple way, it really seems like the easiest thing in the world. Unfortunately, one must remember that the 6'5 defensive line is not just going to roll over and say 'uncle'.

Real estate isn't any easier. There's always some conflict around the corner to trip you up and send you back to square one (or often, square negative one). So, while this book gives you such excellent advice as "learn from failure", "make profitable deals", and "work hard for yourself", it doesn't actually give you a system or method to make money.

This seems a strange irony to me, as this book is clearly marketed to people who are not smart enough to realize that they should 'work hard and not give up' if they want to succeed, but who are smart enough to be able to figure all the rest of the logistics out by themselves.

Now, there are supplementary books that give a lot more in-depth information, but they still tend to fall into similar traps. It seems to me that you are either the self-motivated entrepreneur-type, or you aren't, and that difference will show itself often and early in life. The self-made may use this book, but to continue projects they are already working on, not to start their 'dream business' from scratch.

There is another option for the marketability of this book, but it is not one I like to think about: depressed people who feel their lives going nowhere trying to stave off depression by clinging to untenable dreams. For these types, self-help and new age books act like a surrogate (or additional) religion: bolstering their self-esteem and making them feel as if their dreams are truly within reach.

Then, years go by and the dream draws no nearer. They get depressed. So they whip out this book (or another one like it) and suddenly feel like their millionaire retirement is only 6 months away! This makes them feel self-satisfied and complacent, so they end up doing nothing until suddenly, months later, they realize they're no closer to their goal. I'm not saying people shouldn't have dreams, and I'm definitely not saying not to follow them, and I know people get attached to their denial, but it's not going to make your life any better.

More than anything, this book is a symptom of the cult of the real estate bubble, for whom property was never a bad investment: it would never go down and rates would always get more and more favorable. To say that their view was naively rosy would be kind.

One day, so the story goes, Joseph P. Kennedy was getting a shoe shine when the shine boy started talking about what stocks were good to invest in. This is what we call 'market saturation'--when one area of business becomes popular, and suddenly, it seems like everyone is joining in. Kennedy got out before the crash of '29, and an intelligent investor, seeing how many books and reality shows there were about flipping houses, should have seen the real estate crash coming.

Unfortunately, the fiscal prophets of the self-help section were unable to predict the coming apocalypse--so it's lucky for them that their money was tied up in book sales and speaking engagements rather than in the real estate deals they were pushing on others. I'd like to think that these sales would drop off after the 'miracle of real estate' turned out to be another hollow investment bubble, but in these dire times, people are even more desperate to find the path to economic stability.

Now, I know that most people who (don't say 'peddle', don't say 'peddle') market these self-help (or new age) products are not usually scam artists. Most of them believe in what they do; they believe that they are helping people; and I hope sometimes they do.

However, there is a difference between being a doctor and telling someone they have cancer to help them move on, and lying that there is no cancer because it seems more 'kind' or 'uplifting'. The latter, is, of course, morally reprehensible (said the atheist).

Kiyosaki has built an empire off of this book, and made himself a pretty penny. He has also been investigated by some critics who have challenged his assertions about his wealth, real estate successes, and the very premise of the book. There is no evidence that his 'rich dad' ever actually existed, and Kiyosaki has said in interviews that the character is, at best, a combination of people. However, at other times he has stated that he definitely does exist. And that doesn't even go into his support of con artist Casey Serin.

Maybe I'm wrong, maybe you will buy this book and it will turn your life around, maybe Kiyosaki is relating a true story of struggle and inspiration--but maybe not, maybe it will just be another $5 in his pocket and less room on your bookshelf for real economic and legal texts.

Mr.Kiyosaki could use a little humility. The pompousness in his tone is a bit off-putting. Also, the repeated emphasis on some of his financial "gems" gets tiring. Other than that, this was a decent read.