يتحدث الكتاب عن الطريقة التي يفكر بها الشخص الغني والطريقة التي يفكر بها الشخص الفقير
حيث أن الفقير حتى لو حصل على المال فإنه وبسبب تفكيره يقوم بصرفه بطريقة تجعله يبقى في مكانه دون أن يصبح غنيا
أما الغني فحتى لو مر بحالات فشل أو افلاس فإنه وبسبب تفكيره ينهض مرة أخرى

الكتاب مكتوب بأسلوب رائع حيث يروي كييوساكي كيف أن تربى على يد أب جامعي لكن تفكيره تفكير الفقراء لذلك بقي فقيرا ومات فقيرا
ويقارن كيوساكي بينه وبين أبو صديقه الذي كان كان فقيرا، لكنه كان يفكر بطريقة الأغنياء وقد تعلم كيوساكي على يديه كيفية بناء الأعمال وكيفية التفكير كأغنياء، وبالرغم من أن أبو صديقه كان فقيرا، إلا أن تفكيره بطريقة الأغنياء جعله يجمع ثورة كبيرة ويموت تاركا خالفه أمبراطورية تجارية كبيرة لابنه.

كتاب يجعلك تنظر للمال ولطريقة صرفه بطريقة مختلفة
لكنه لا يعطي الكثير من الخطوات الواضحة لاستثمار المال وبناء الأعمال

"The main reason why people struggle with financial problems is that they spend several years in school but learn nothing about money and investments. The result is that people learn to work at the service of money… but never learn to put money to work for them." 

The reason this book is so popular even today is because of its simplicity; all the financial jargon that we hear in everyday life could be understood in the most simplistic way in a form of a story. I consider this book as the foundation of financial literacy. 

After reading this book, you will definitely realize that the concept of trading time for money just isn’t the smartest way to go through life. Your money should work for you—not the other way around.

My 3 major takeaways from this  book are: 

1. Being rich = freedom 
2. Rich people make money work for them, while most everyone else works for money
3. Financial education is a key to success.

If you want to learn more about how to build wealth and distinguish between liabilities and assets, definitely read this book – it’s worth it.

n  You might like to check out more similar books here.n

mmm el sesgo del vencedor en su máximo esplendor.
video reseña completa en:
https://www.instagram.com/p/CqjDDeCvj8C/

The book seems interesting from the beginning e.g. how the two fathers view money and financial aspects from different perspectives, how parents usually teach their kids values related to money while school is not giving this issue much.

There are good points in the book e.g. financial education, taking calculated risks, investing in creative ideas etc. However, the author seems to see money and being rich as an ultimate goal in life for people. In reality it's really complicated to understand the relationship between money and happiness. I'm not finished yet with the book so still not sure about the message which the author try to deliver.

"Unfortunately, for many people school is the end, not the beginning" page 56

" ... we haven't learned from history. We only memorise historical dates and names, not the lesson" page 57.

"Intelligence solve problems and produces money. Money without financial intelligence is money soon gone"

'Wealth is a person's ability to survive so many number of days forward - or, if I stopped working today, how long could I survive? p. 105'

'We all have tremendous potential, and we all are blessed with gifts. Yet the one thing that holds all of us back is some degree of self doubt,

'... excessive fear and self doubt that were the greatest detractors of personal genius'


'In school we learn that mistakes are bad, and we are punished for making them. Yet if you look at the way humans are designed to learn, we learn by making mistakes. We learn to walk by falling down.' P 163

'People who avoid failure also avoid success'

'Financial intelligence is a synergy of accounting, investing, marketing, and law'

Job is an acronym for "Just Over Broke"

'Without that little greed,the desire to have something better, progress is not made. Our world progresses because we all desire a better life'.

'Many people use arrogance to try to hide their own ignorance'.

I checked this book out of the library, and am so glad that I didn't waste money to buy it. I was looking for a book to teach my kids about money. This book was a lot more about teaching kids to act like shallow, superficial snobs. If you want to raise kids who put money above all else, who keep looking for a get-rich-quick scheme instead of developing a work ethic, then this is the book for you. If you're looking to develop actual skills, belief in the importance of education, a pleasant personality, sense of compassion, or any other worthwhile quality in yourself or your children, drop this book like the piece of excrement that it is. I don't care how valid the financial advice is (and it's dubious, at best), the messages put out by this man are the last things I would want my kids to learn. Here's a quote by the author: "Over the years, I've met many losers who pray to God to give them gold. God helps those who help themselves. Again, the conquistadors may have been killers and thieves, but at least they knew how to help themselves." So, help yourself to whatever you want, whether it belongs to you or not, whether you have to lie, steal, kill or walk all over others to get where you want to be.... Okay. The advice in this book is evil, and our current economy is collapsing because too many top executives lived their lives by these rules. Not my kids, thanks.

The life changing book that has been a personal finance best seller for over a decade written by author Robert T. Kiyosaki. This little book has changed the lives of many people and their perspective on money, who are in misery, not knowing how to make ends meet due to lack of financial education. The contents of this book, tells the story of a young man, who is the author himself, being brought up by his natural father the conventional way of getting a job, saving every penny, working hard and climbing the corporate ladder. At the same time, he also had a "second father" who taught him a different way to view things and how to start from scratch and build his business into an empire.

I am sure many of us can relate to the story on the part where we were being brought up the conventional way to become workers. As much as we don't wish it to be that way, ironically, the education system plays a very big part in educating our fathers and their fathers to be trained into workers instead of educating them and inspire them to become business owners. Ignorance of other available choices, we are trapped in a eternal cycle of working for money, saving up and spending on wasting assets that constantly drains our finances and loses value over time. Welcome to the rat race! Unless we learn and educate ourselves on personal finance, we will be unknowingly stuck with only one way of thinking, and passing that knowledge on to the next generation. Talk about vicious cycle!

The main point of this book is to educate yourself on personal finance, which is to learn how to become financially independent by making money work hard for you and not you working hard to earn every single penny. It teaches you that you do not have to be a slave to money and to turn the situation to your advantage. There is no need for you to work for another person if you do not want to, in order to fulfill what you want in life. You are in control of your situation and you no longer need to take orders from anyone. You decide how much work you need. You are your own boss!

This book has certainly made a huge impact on my life, why not read it and see if it will change yours as well? Make that difference now.

Review by Ben Ang

Article Source:  Ben Ang

Read this one in 2004, but maybe I read an earlier edition...

I think I rated this one 5stars. I have to review my journals, it's been too long, I can't remember what I've written.

I'll be back with this one...

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

Let's cut right to the chase: I gained very little from this book. In between the pop-psychology, the right-wing apologism, the chapters that read as paid infomercials for the author's other books and products, and the nauseating repetition, I gleaned precious few tidbits on how to grow your wealth. Adding to the problem is that many of these tidbits seem so broad and crashingly obvious that you begin to wonder if you're being conned. Like a visit to the palm reader who foretells the most mundane of life's coming attractions, Kiyosaki imparts basic wisdoms you could most likely arrive at on your own.

The prescription to build your asset column and pay less in taxes are hardly groundbreaking insights. Nor is the counsel that there's no such thing as a no-risk investment. Neither is the instruction to pay experts for their expertise, and pay them well. It's the steps in between that prove the bottleneck for most of us—the tricky part about acquiring the necessary funds to begin making meaningful moves financially. After the crippling student loans and exorbitant rent payments, those of us who call ourselves millennials have just barely enough to scrape together for living expenses like food and electricity, and far less for shrewd investments in stocks and real estate.

Kiyosaki urges that to become like the rich, we must seize the golden opportunities everyone else missed or passed over. "Great opportunities are not seen with your eyes. They are seen with your mind," he writes (p. 200). If this sounds to you like utterly inactionable intel, you're not alone. I personally need more than folk wisdom clichés before kickstarting my journey out of debt. Besides, golden opportunities don't last long, and chances are that someone more financially secure than you are will have already pounced on it.

He does elaborate here and there on some of his honed practices, such as the scouting he does when surveying local real estate markets, and which assets he prioritizes in his portfolio (real estate and small-cap stocks, in case you were wondering). But most of these chapters are simply too thin on the ground to be of much use. For the most part, it's the larger lessons that Kiyosaki's interested in imparting, some of which may prove helpful to complete novices when it comes to investing.

His framing of cash flow is one of the more insightful areas of the book. He says that most people put their earned or ordinary income toward liabilities and expenses (the "Rat Race" reified by the middle class), whereas the smart investor procures income-generating assets that can cover expenses and, provided those cash flows are sufficiently large, can ultimately obviate the need for debt altogether. So for example, he advises to not buy a house until your mortgage can be paid entirely from asset-driven cash flows (e.g., passive or portfolio income) as opposed to active income. Prior to this, presumably, we would be better off remaining a renter*.

*(Yet in certain cases, namely high-value markets around the country, it can actually be cheaper to own than to rent. In places like New York, Denver, or Washington, DC, the monthly mortgage payment on a suburban house or condo can be cheaper than the rental cost of an apartment in the city. Especially if the market is expected to keep climbing, it can be more prudent to scrape the cash together for a down payment and start building equity than to continue throwing money into a rental black hole that you'll never get back.)

You do learn a few other important items in the realm of finance, including the benefits of a 1031 tax-deferred exchange, the three basic types of income, and the relationship between an income statement and a balance sheet. But this kind of information is easily obtained elsewhere and is fairly common knowledge for anyone who attended business school. The balance of the book is, frankly, filled with folk psychology and teachings lifted straight from Sunday school. In his 10-step guide to cultivating your inner financial genius, one is titled "Teach and you shall receive: the power of giving". Doing his best to channel self-help quack Rhonda Byrne in The Secret, he literally writes:

"If I could leave one single idea with you, it is that idea. Whenever you feel short or in need of something, give what you want first and it will come back in buckets...I know it is often the last thing a person may want to do, but it has always worked for me. I trust that the principle of reciprocity is true, and I give what I want. I want money, so I give money, and it comes back in multiples. I want sales, so I help someone else sell something, and sales come to me. I want contacts, and I help someone else get contacts. Like magic, contacts come to me." (p. 305).

Perhaps the most controversial monetary advice he gives, or at least what cuts against the grain of conventional wisdom, is that a home is not an asset (but a liability), and that the old dogma of saving and diversifying is obsolete. I'm no financial guru, so I won't come right out and declare this bad advice, but it seems to me that in terms of owning a house, it again depends on the market. If the value of your home is going up, you have an asset you can sell at a profit. If the local market is in decline, however, you can potentially be stuck with a property that is worth less than what you owe the bank, at which point it would indeed be strange to continue thinking of that property as an asset.

And one's level of asset diversification depends on one's aversion to risk, though for his part Kiyosaki recommends taking informed risks rather than playing it safe with a balanced portfolio. Any given investment, he writes, "is not risky for the financially literate...there is always risk. It is financial intelligence that improves the odds." In fact it's financial savvy, hard won through experience and failure, that turns what may seem to the uninitiated like gambling into informed investing.

That's all sound as far as it goes, but I think what irked me most of all is Kiyosaki's running theme that what separates the rich from the poor is, principally, financial literacy. Rich people know about loopholes in the tax code, for example, or hire expert accountants and financial advisers who do. The notion that it's basic ignorance and psychological shortcomings that keep you from reaching the next level of financial security is one that's repeated throughout. He writes:

"The main cause of poverty or financial struggle is fear and ignorance, not the economy or the government or the rich. It's self-inflicted fear and ignorance that keep people trapped." (p. 55)

And again on p. 85:

"Illiteracy, both in words and numbers, is the foundation of financial struggle. If people are having difficulties financially, there is something that they don't understand, either in words or in numbers. The rich are rich because they are more literate in different areas than people who struggle financially. So if you want to be rich and maintain your wealth, it's important to be financially literate, in words as well as numbers."

Never mind his banally deplorable blaming-the-victim ethos. And we'll also go ahead and ignore the systemic obstacles and inherent racial and class-based limitations that economically disadvantage tens of millions of people in America and elsewhere. Is it out of the question that Kiyosaki simply got lucky? Perhaps he made some good investing decisions early on that enabled him to acquire the kind of funds necessary to turn those initial profits into larger and larger profits. He even confesses to engaging in ultra high-risk plays initially:

"The stock plays I personally invested in were extremely high-risk for most people and absolutely not recommended. I have been playing that game since 1979 and have paid more than my share in dues. But if you will reread why investments such as these are high-risk for most people, you may be able to set your life up differently, so that the ability to take $25,000 and turn it into $1 million in a year is low-risk for you." (p. 199)

That mileage will vary here should go without saying. And financial intelligence or no, a high-risk investment could bring a middling economic situation crashing down before your investing career gets off the ground. In such a situation, forking over twenty-five big ones to have another go isn't in the cards, no matter how much self-help advice you imbibe over the course of the year.

Or, one could surmise, perhaps he rubbed elbows with the right folks who propelled him along the road to financial independence. One of his self-professed heroes is the "brash" Donald Trump, with whom he's co-written a couple of books. (In a grand mix of irony and farcical flummery, Kiyosaki waxes poetic about how arrogance, which he ascribes to people who rarely read or listen to experts, is detrimental to wealth building, then name-drops Trump as a counter-example to which he aspires. That degree of delusion is priceless, regardless of the date of publication.)

He also takes frequent, irksome potshots at the value of education, though a charitable interpretation here is that Kiyosaki is lamenting how poorly universities prepare us for managing our finances. I heartily agree that personal finance should be a fundamental part of every young person's education in order to help us navigate those more thorny adulting tasks such as obtaining a mortgage, managing a credit card, and investing in the stock market, CDs (certificates of deposit), government bonds, and other common financial instruments. Most millennials are sorely lacking in financial knowledge, and we could benefit greatly from acquiring this knowledge before it's too late.

Finally, the author is just a generally poor writer, which to his credit, Kiyosaki freely and openly admits. This wouldn't be nearly the problem that it is if the advice on offer was of broader utility and if it didn't seem like the repetitiveness of it all was merely a ploy to cover up the thinness of the message. Alas, in the worst cases entire chapters seem to be retreads of earlier discussions. It's even more galling because the exact words and phrasing are used each time a familiar point is raised, thereby avoiding even minimal contact with a thesaurus. And then of course there's the hawking of his other books, seminars (which will run you as much as $5,000 a pop), and licensed board games, and the not-so-humble brags about his marketing prowess, which certainly doesn't help with the conman vibe whatsoever.

Closing Thoughts

All in all, I won't be recommending Rich Dad Poor Dad for those looking to escape the rat race of corporate America. Short on specifics, its focus is more on big picture concepts and gaining the right perspective on investing. It also feels cheap and gimmicky, not to mention mind-numbingly repetitive, and grounded in wish-fulfillment. Instead, I will recommend the following for their more comprehensive treatment of financial topics:

—The Complete Idiot's Guide to Investing by Joshua Kennon (2006)
—The Essays of Warren Buffett: Lessons for Corporate America by Warren Buffett (1997)
—Warren Buffett Invests Like a Girl by The Motley Fool (2011)
—Warren Buffett’s 3 Favorite Books by Preston George Pysh (2012)
—Beating the Street by Peter Lynch (1994)
—The Money Masters by John Train (1980)
—The Intelligent Investor by Benjamin Graham (1949)
—Think and Grow Rich by Napoleon Hill (1937)

Note: This review has been republished from my official website.

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الأب الغني والأب الفقير ، ولا يقاس الغنى هنا
بالمال بل أسلوب التوجيه والتربية " الإقتصادية "
إن أمكن وصفها بذلك .

‏
يركز الكاتب على ضرورة التحرر من قيود الوظيفة
أو ما أطلق عليه لقب " عبودية الوظيفة "والدخل
المحدود إلى تجربة حرية الإستثمار الخاص ولا يقلل
الكاتب من أهمية الوظيفة بل على العكس إذ يمكن
للوظيفة الأمنة أن تكون سبب مساعد على الخوض في
خضم التجارة .
وعرف الكاتب الأصول المالية بأنها كل ما يأتي بالمال
لصاحبه ، بينما الخصوم هي كل أوجه الإنفاق التي
تستهلك ميزانية المرء .
بالمختصر يمكنك أن تعمل من أجل المال ، ولكن
الأفضل لك أن يعمل المال من أجلك .
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#تمت
#أبجدية_فرح 3/5
#الأب_الغني_والأب_الفقير

Crap - this entire book reads like a Prologue/Introduction, and there's really only one or two facts. Here they are: buy assets (things that earn you money) rather than liabilities (things that cost you money). Also, don't let debt - particularly credit cards - sink your future.

There you go. Reading this post took you 15 seconds. I just saved you several hours of your life. If this book were a sandwich it would be white bread with mayonnaise; no meat.

Perhaps I'm just not the demographic this book was meant for.

Wow, what ideologically driven, poorly written, paternalistic rubbish! Reading this book reminds me of every conversation I’ve ever had with a middle-aged, white guy, whose sense of entitlement and self-importance has reached such a critical level that as they lecture you on the reality of life, as they see it, while doing so by telling ridiculous, unrealistic parables that border on the nonsensical

In Kiyosaki’s mind, the poor are that way because they are lazy, and spend money in the wrong way. The poor should take their paychecks, and buy some property(!) just like Kiyosaki did (although, he admits, what made him wealthy may not work for most). He also admits that McDonalds is the most popular fast food joint not because they sell a superior product, but because they have a superior business model. The lesson to be taken from this, I guess, is that business is not there to provide a better product than their competitor (seemingly against his libertarian-best widget mythology), but rather, to simply run a business. This is the most refreshing and realistic part of the book; capitalism doesn’t care about the product it produces, it’s a business for the sake of being a business. Finally, some realism is injected into the fantasy. But it doesn’t really bode that well for the idea that competition in a capitalistic economy is based on businesses attempts to produce a better product than other businesses. In fact, it doesn’t seem to be about the product at all!

Kiyosaki fails to acknowledge of the role privilege plays in this libertarian game. Although, he does admit that the wealthy “groom” their children for a wealthy lifestyle, anyone with even a small sense of honesty would realize that wealth is easy to create when it is handed to you by mommy and daddy. Kiyosaki’s “rich dad” is the one that taught him all these lessons. Kiyosaki’s “poor dad” is a highly educated PhD. I’m willing to bet Kiyosaki has no idea what it is like to be poor. Kiyosaki lucked into wealth (in large part due to authoring a very badly written a book with a coauthor that sued him) and then going around the world and lecturing people about how if you’re not wealthy, its your fault, and if you are, don’t worry about the poor, it’s their fault.

The ‘history” (of taxes, socialism, capitalism, et. al.) section of the book is laughable in its ideological assumptions and inaccuracy. But I will spare you. The main point of Kiyosaki’s viewpoint, that everyone can be wealthy, is logically inconsistent. Not everyone can be wealthy, because, who would make the wealth? There would be no workers for the wealthy to exploit to increase their own wealth, while patting themselves on the back for what a good rich person they are. This type of faulty logic and inability to accurately comprehend reality should give anyone pause. Especially if this is the type of person you are taking financial advice from.

It is no surprise this clown’s hero is Donald Trump. How many bankruptcies has that guy had? It is also no surprise that a regrettably significant number of Goodreads reviews (no fear, they wouldn’t have read this far into my review) claim this is the first book they could ever read all the way through. Seriously?

Here is a good review about this fraud himself... http://www.thesimpledollar.com/decons...