穷爸爸富爸爸优秀读后感（精选23篇）
The poor, the rich, the rich, the poor, the rich, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor, the poor.
品味完一本名著后，想必你一定有很多值得分享的心得，为此需要认真地写一写读后感了。千万不能认为读后感随便应付就可以，下面是小编精心整理的穷爸爸富爸爸优秀读后感，仅供参考，希望能够帮助到大家。
When you finish a famous book, you must have a lot of things to share, which you need to write and read. Don't think it's easy to deal with after reading.
《穷爸爸富爸爸》一书畅销全球。书中通过对穷爸爸和富爸爸不同的理财观念和不同的生活方式的述说，诠释了穷人为什么穷，富人为什么富的道理。这本书每一个人都应该读一读，尤其是青年人更应该探究一下富人致富的秘密。不要做钱盲，要努力提高自己的财商，树立新的理财观念，懂得如何去为自己挣钱，改变生活方式，从而改变自己的命运。
It explains why the poor are poor and why the rich are rich by saying that poor dads and rich dads have different ideas about money and different ways of life. Everyone should read it, especially young people, and look into the secrets of rich people’s wealth. Don’t be blind to money, try to improve their own businesses, develop new ideas about money and how to earn money for themselves, change their way of life, and change their destiny.
罗伯特·清崎的爸爸，受过高等教育，有很好的工作，但他却是个穷爸爸（或者只能算个中产阶级）。这穷爸爸的人生轨迹，就是努力读书，获取高学历，找个好工作，有个稳定的收入，过上稳定的生活。买房买车，一辈子还着贷款。而罗伯特朋友的爸爸是个富爸爸，中学没有读完。可他有较高的财商，懂得要为自己挣钱，办公司，努力投资，不断增加自己的资产，努力创造财富，成了亿万富翁。过着上流社会的生活。
Robert Qingzaki's father, who has a high education and a good job, is a poor father (or only a middle class). The poor father's life trajectory is that he works hard to read, get a high degree, get a good job, have a steady income, live a stable life. He buys a house, buys a car, he spends his life with a loan. Robert's friend's father is a rich dad, he doesn't finish his secondary school. But he's got a good money dealer who knows how to make money for himself, runs a company, invests in his own assets, tries to create wealth, makes millions ofaires.
穷爸爸是为公司老板辛勤工作。富爸爸是公司为他创造财富。穷爸爸的财富积累是靠公司老板的加薪。富爸爸的财富积累是大家为他挣钱。可见财商的不同，理财观念的不同，决定了生活方式的不同，决定了生活境遇的不同，决定了穷富的不同。如果你选择走穷爸爸的人生之路，你就永远是一个工薪族，也就是说你永远是个穷人。
Poor dads work hard for company bosses. Rich dads create wealth for them. Poor dads build wealth on company bosses'wages. Rich dads build wealth for them. So different ways of living, different ways of living, and different ways of living. If you choose the path of life for poor dads, you'll always be a wage-earner, that is, you'll always be a poor person.
当然现实生活中，不可能人人都去办公司，搞投资，发大财，都成为富爸爸，这是因为社会的经济结构不可能让所有的人都变成富爸爸。都去当老板，那就都当不上老板了。老板只能是少数人，大多数人还是得受雇于老板。这是经济规律决定的。但至少你要明白富人是怎么富起来的。如果你就是穷爸爸，是不是也该学点理财的知识，提高点自己的财商，也搞点投资，让钱生钱，不要永远做钱盲。
Of course, in real life, it is not possible for everyone to run a company, invest, make a fortune and become a rich father, because the economic structure of society cannot make everyone a rich father. To be a boss, it is impossible to be a boss. The boss can only be a few, and most people have to be employed. It is a matter of economic order. But at least you have to understand how the rich are rich. If you are a poor father, should you learn a little bit about money, raise your own money, invest in it, make money, and don't be blind forever.
书就像一束芬芳的花朵，每时每刻都让我闻到它的缕缕清香，它浓郁的香气如同香水一般，或许这就是书香。每当我一次又一次地接触到书，我就会在书的海洋中徜徉。春、夏、秋、冬，四季循环，昼夜交替。转眼间，已经有十多个春秋了，我和书结下了不解之缘，在书中看到了许多动人的故事。
The book is like a fragrance of flowers, which I smell every moment, and its fragrance is like perfume, perhaps it is. Whenever I touch it again and again, I see it in the ocean. Spring, summer, autumn, winter, four seasons, round and round and round and round. There are more than a dozen springs and autumns in my eyes, and I have come to grips with the book, and I have seen many moving stories in it.
《富爸爸穷爸爸》的故事是：一个富人和一个穷人，他们一起来到牧师面前倾诉他们的烦恼。
The story of Rich Fathers and Poor Fathers is that a rich man and a poor man, together, come to the chaplain to talk about their worries.
富人说他的钱一辈子都用不完，想为他的儿子聘请世界上最好的老师，让儿子在家上学就行。他希望他的儿子可以接管事业，继承家业。但是，20年后他的儿子无法面对现实世界，甚至不敢走出自己的房间，更不用说接管家业了。
The rich say he spends his entire life trying to hire the best teacher in the world for his son to go to school at home. He wants his son to take over the business and take over the family business. But 20 years later, his son cannot face the real world and dare not even walk out of his room, let alone take over the family business.
穷人说他的家靠捕鱼为生，因为贫穷，他没有钱让他的儿子上学。所以，当他每天钓鱼的时候，他让儿子坐在船舱里，想让他的儿子年轻的时候休息几年，等到他老的时候把船给交给儿子。然而，20年后，他的儿子不会撒网，他觉得是因为贫穷让儿子得不到教育。
The poor said that his family depended on fishing for a living because of poverty, and that he had no money to send his son to school. So, when he was fishing every day, he put his son in the cabin and wanted to rest for a few years while he was young, until he was old enough to give the boat to his son. Twenty years later, however, his son would not spread the net, and he felt that poverty had prevented his son from being educated.
富人的孩子不快乐，不敢出去锻炼，因为他没有交任何朋友。穷人的儿子，是因为未曾撒过网，未曾亲手捉过鱼。如果富人和穷人对他们的儿子从小就接受培养和锻炼，结果肯定不是这样的。富人的孩子将接管家族庞大的产业，穷人的孩子将成为一名熟练的渔夫。你可以想想，独立、自强是多么重要。读了《富爸爸穷爸爸》，让我知道了从小就必须学会独立生活。
The children of the rich are unhappy and afraid to go out to exercise because they have not made any friends. The sons of the poor are not caught by the nets. If the rich and poor have been trained and trained for their sons since they were young, that is certainly not the case. The children of the rich will take over the vast family business, and the children of the poor will become a skilled fisherman.
每读一本书都会让人知道深刻的道理，书成为了我人生的伴侣。书是人生的起点，书是人生的路灯，书是一朵永不凋谢的花，书是文学的精华。
Every book will tell a deep story, and it becomes a partner in my life. It is the beginning of life, it is the light of life, it is a flower that never fades, it is the essence of literature.
《富爸爸穷爸爸》这本书之前有读过，也听别人解读过这本书，一直记忆深刻，而一本书在不同的时间段读意义不一样，一本经典之作每读一遍，跟上一次读肯定是不一样的，领悟也更深，该书目前只读了开头。
The book " Rich Fathers and Poor Fathers " had read it before, and had been read by others, and had a deep memory, while a book had a different meaning at different times, a classic must have been different from one reading at a time, and more deeply understood, and the book currently read only at the beginning.
开头几十页中便有一句经典的话打动我：人们的生活永远被这两种感觉所控制：恐惧和贪婪。富爸爸给这句话解释说：“大多数人都希望有一份工资收入，因为他们都有恐惧和贪婪之心。一开始，没钱的恐惧会促使他们努力工作，得到报酬后，贪婪或欲望又让他们想拥有所有用钱能买到的好东西。于是就形成一种模式。起床，上班，付账，再起床，再上班，再付账。”
There's a classic saying in the first few dozen pages that moves me: people's lives are always controlled by these two feelings: fear and greed. The rich dad explains this: "Most people want a wage, because they all have fear and greed. At first, fear without money makes them work hard, and when they get paid, greed or desire makes them want to have all the good things they can buy with money. So there's a pattern. Get up, pay, get up, get up, get back to work, get back to work, get back to work, get back to pay."
确实是这样，物欲横流的社会让有些人被打磨的忘记初心，忘记来时的路。很多职场人士，包括即使是受过高等教育的硕士、博士工作以后都是如此，以前的人们拥有一辆自行车就很满足，后来拥有自行车不行，要拥有一辆摩托车，再后来，拥有一辆摩托车不行，应该是要一辆小汽车的。再后来拥有一辆小汽车不是最终目的，而是要好车，豪车。
It is true that a society of lust has led some people to forget their hearts and their ways. Many people in the workplace, even after a master's degree in higher education and doctor's work, were satisfied with having a bicycle, later with a bike, later with a motorcycle, then later with a motorcycle, and then with a car. It's supposed to be a car. Then having a car is not the end, but rather a good car, a luxury car.
所以很多人说“即使拿三万块钱一个月依然撑不起一个家”虽然有点夸张，但是那是因为人的欲望是无止境的，人对没有钱的恐惧也是无止境的，在越高消费水平的人，要的东西越多，对钱的不安全感也越深。富爸爸提出：不要为了钱而工作，要钱为我工作。但是当目前为止，如果有的人还找不到一个方法“让钱为我工作”的时候，可以找到工作对自己的乐趣和意义。当工作变成一种乐趣时候，做自己喜欢的事，工作也就不是工作了，而是成就你自己。
So a lot of people say, "Even if you can't afford a family for 30,000 dollars a month," it's a little exaggeration, but it's because people's desires are endless, people's fears of moneylessness are endless, and the more people at the higher consumption level want, the more insecure they are about money. Rich dad says, "Don't work for money, the more money for me." But so far, when someone can't find a way to work for me, they can find the pleasure and meaning of a job. When a job becomes fun, it's not a job, it's a job, it's a job, it's a job, it's a job, it's a job.
每个人都有自己的爸爸，但是单以穷爸爸和富爸爸进行分类，似乎有点简单化：而且要穷爸爸还是富爸爸，本是我们无可选择的。但是，假如你可以选择呢，你是要穷爸爸还是富爸爸？
Everyone has their own dad, but sorting poor dads and rich dads alone seems a little simplified: we have no choice but to have poor dads or rich dads. But if you had a choice, do you want poor dads or rich dads?
这个问题是当今社会上关注的一个热点话题，因为它关系到家庭教事有、为人处事的方方面面，市面上不是有一本很热销的书题目就叫《穷爸爸富爸爸》吗？所以即使这个假设不成立，我们从各自的选择中仍然可以看出许多书本以外的东西。
This is a topical topic of concern in society today, because it relates to all aspects of family teaching that have a human face. Isn't there a very popular book on the market called "Fathers of the Poor "? So, even if this assumption is not valid, we can see a lot of other than books in our choices.
我想，也许大部分人会选择富爸爸。因为有了富爸爸，不但可以衣食无忧，还可以偶尔奢侈一把。不是有这样一句被奉为真理的话吗？金钱不是万能的，但没有金钱是万万不能的。有了富爸爸，就可以吃得上山珍海味，进得了五星级餐馆，夏天空调，冬天浴霸，上学放学都有专车接送，一天的零花钱可以抵上普通人家孩子一个星期的生活费。其实，正所谓有利必有弊，虽然这样可以让我们的生活比较舒适，但是孟子不是说过这样一句话吗？“生于忧患，死于安乐。”大人这样惯着小孩子，会使小孩子养成不会自立，爱依赖别人的习惯。自然而然，一个个不是小皇帝，就是小公主，似乎被别人大呼小叫了一下，就要痛哭流涕。这样的孩子，将来长大了会有多大出息呢？当然，不是每个富爸爸都这样宠爱孩子。
I think that most people would choose rich dads, because, with rich dads, not only can they be well fed, but sometimes they can be extravagant. Isn't that a true word? Money is not all-powerful, but no money is all-powerful? Rich dads would be able to eat mountain and sea, get five-star restaurants, summer air conditioners, winter bathhouses, school leave cars, and a day's allowance would cover a week's living for ordinary kids. In fact, it would be bad, though it would make our lives more comfortable, but didn't Monko say that?
但是，如果要我选择的话，我还是会选择穷爸爸。虽然穷爸爸没什么钱，买不了令人垂诞三千尺的山珍海味，进不了服务周到、装修豪华的餐馆，而且一身霉味，吃不饱，穿不暖，睡不好，还得帮忙干家务活；但是，这些艰苦的生活可以服炼我们的意志，激发我们的斗志，使我们懂得穷不是天生的，只要奋斗，生活就会好起来。俗话说得好：穷人的孩子早当家。其实，这语一点也不假，穷人的孩子有一种不怕别人嘲笑、勇于拼搏、奋发向上的精神，这种可贵的精神最终可以成为奋斗的动力，重第周不就是这样—一个非常典型的例子吗？
But, if I choose, I will choose poor dads. Though poor fathers have little money, can't buy 3,000 feet of precious mountain sea smell, can't get into service-weekly, fancy restaurants, and can't eat enough, can't get warm, can't sleep well, can't help with domestic chores; but, you know, these hard lives can subdue our will, inspire our struggles, make us understand that poverty is not natural, and if we fight, life will be better.
所以，勿庸置疑，假如让我选择的话，我还是会要一个穷爸爸。同学们，你们要穷爸爸还是富爸爸呢？
So, of course, if I had a choice, I'd still have a poor dad. Students, would you like a poor dad or a rich dad?
“努力学习，得到好成绩，你就能找到高薪并且伴有很多其他好处的职位。”我们的父母总是这样不厌其烦的教导我们。在他们眼里贫困就是万恶之本，所以期待我们努力学习，获得好成绩，找个挣钱多的好工作，当然要能读个硕士博士就更靠谱了。这种观念看是顺理成章，可仔细想想，为什么那些有稳定收入，恪尽职守的高学历工作人员大多是社会中的中产阶级而不是富人呢？这就必然会产生两种生活态度：
“Try to learn, get good grades, and you can find jobs that are well paid and with many other benefits.” Our parents are always so tired of teaching us. In their eyes, poverty is the worst thing, so they expect us to work hard to learn, get good grades, get better jobs, and earn more money. Of course, it's better to get a master's degree. It's logical to think about why those highly educated workers with stable incomes are mostly middle-class rather than rich people in society.
一、为钱工作。
I. Working for money.
二、钱为我工作。
Second, money works for me.
在生活中人们通常会做两件事，一些在生活推着他转的同时抓住生活赐予的每个机会，而另一些人则听从生活的摆布，不予生活抗争，他们埋怨生活的不公平，抱怨工作报酬低。追求着稳稳当当一成层不变的生活。其实我们周围有很多这样的朋友，希望生活安定、处世无误。但事实是，这已经对生活屈服了。从内心深处就开始一味认为不肯能赢，所以才选择了稳定。没钱的恐惧会刺激我们努力工作，当我们得到报酬时，贪婪和欲望又开始让我们去想所有能买到的东西，于是就形成了穷人和中产阶级的生活方式：起床、上班、付账、再起床、在上班、再付帐……总之，生活就是在无尽的为两种感觉在忙：恐惧和贪婪。在我看来，这不是真正的生活，只是一种严酷的劳役。真正的学习需要精力、激情和热切的愿望。当然愤怒是其中的很重要的一部分，因为激情正是愤怒和热爱的结合物。
There are two things that people usually do in life, and some take every opportunity offered by life while life turns to him, while others follow the rules of life and do not fight for it. They complain about the unfairness of life and the low pay for work. They pursue a stable and stable life. There are many friends around us who want to live in peace and in peace. But the fact is that life is given up. The fear of money starts from the bottom of our hearts as it does not win, so stability is chosen. It is not a real life, but, in my view, a hard one. Real learning requires energy, passion, and passion. Of course, anger is an important part of it: getting up, paying for work, getting up again, working again, paying again, paying again.
我们每个人都拥有巨大的潜力，然而问题是都或多或少的存在着某种自我怀疑，从而阻止了自己的前进，这种阻碍很少是由于缺乏技术、知识，更多的是缺乏自信。在我们即将迈出大学校门的时刻，我们大多数意识到仅仅有大学文凭是远远不够的。在校外的现实世界里，有很多比分数更重要的东西，我常听人们称之为魄力、精明、毅力等，不管怎样，这都是比分数更能从根本上决定我们未来的因素。
Each of us has a great potential, but the problem is that there is some sort of self-skepticism that prevents us from moving forward, which is rarely due to a lack of technology, knowledge, and more than self-confidence. As we approach the university gate, most of us realize that university diplomas alone are far from enough. In the real world out of school, there are many things that are more important than scores, and I often hear what people call strength, sophistication, persistence, and so on, which in any case is more fundamental to our future than scores.
在周围的同学中我意识到过分的畏惧和自我怀疑是浪费我们才能的最大因素。看到很多同学明知该做什么，却缺乏勇气实施，我觉得这是可悲的。学校依靠找它完善的教育体系教会我们一门技能并最终把我们培养成工程师，厨师，作家……把我们摆渡到高效益的劳动大军行列，违被人的事业苦苦工作。从某种意义上讲，学校不是一个培养雇主的地方只是一个培养好雇员的地方。
Among my classmates around me, I realize that excessive fear and self-skepticism are the greatest factors that waste our talents. It is sad to see that many of them know what to do, but lack the courage to do it. Schools, by looking for a perfect education system, teach us skills and eventually develop us into engineers, cooks, writers.............................................................................................................................................................................................................................
在现实生活中我们应该学着如何去投资，而不是死心塌地的攒钱存钱；应该学着依靠勇气和财商来超越别人。不要为自己的虚荣心去买单。为了一套房子去抵押贷款，让自己早早成为房奴，在我看来这是不可取的。或许真正的富人会买入资产并使其在运转中增值，而不是像中产阶级那样买入自以为是资产的负债。
In real life, we should learn how to invest rather than save money; we should learn to go beyond others with courage and money. Don't pay for our own vanity. It seems undesirable for me to take a mortgage for a house to become a house early in the day. Maybe the real rich will buy assets and add value to their operations, instead of buying themselves as a liability like the middle class.
人穷并不可怕，可怕的是你没有志气。
It's not scary to be poor. It's terrible to be disillusioned.
这里的志气并不是家人多次提醒的“努力学习，得到好成绩，找高新并且伴有很多其他好处的职位。”作者多次强调这是让人陷入“老鼠赛跑”死循环的落后思想。
The ambition here is not one of the family's many reminders: “Try to learn, get good grades, find high-quality jobs with many other benefits.” The author has repeatedly stressed that this is a backward idea that puts people in a “rat race” cycle.
在这本书里，作者用自己的亲身经历讲述了富人与穷人关于金钱与财富的不同看法与认识，对富人与穷人如何教育孩子做了详细的比较分析，传达了一种不同于我们平常对学习、工作、金钱的认识。
In this book, the author uses his own personal experience to describe the different perspectives and perceptions of the rich and the poor about money and wealth, to provide a detailed comparative analysis of how the rich and the poor educate their children, and to convey a different understanding of learning, work and money than we normally do.
我们在学校里学些什么？这是我们现在正在思考且迫切想要知道答案的命题，从小被灌输要好好学习，将来可以找到一份好工作的观念，可是当我们意识到书本上的知识很大一部分是我们现实生活所不需要的，学校里的好成绩与生活中的好工作也没有多大关系时，这个问题就开始困扰并阻碍我们。穷爸爸是这样说的，“努力学习能去好的公司工作”，他希望他的孩子努力学习，获得好成绩，找个挣钱多的好工作。而富爸爸说：“努力学习能发现并收购好公司”，他鼓励学习挣钱并让这种规律为我们所用。从小学到大学，我们经历了十几年的学习，但在这些年我们学到了写什么没人说得清楚，很多知识，很多技能，其实最重要的是提高了我们的综合素质。我们在学校学习不仅要注重知识技能的提高，更重要的是要养成良好的思维方式与积极的生活态度，“努力学习能去好的公司工作”。穷爸爸强调掌握工作的知识与技能。有人说态度决定一切，虽然这样的说法有些唯心主义，但态度却是影响着你做一件事情的效果以及你整个人生的发展，当穷爸爸说“我可付不起”时，富爸爸说“我怎样才能付得起？”这两句话代表两种态度，一个陈述，一个疑问，一个让你消极放弃，另一个则促使你去积极开动脑筋想办法。这也是为什么两个爸爸一个穷一个富的重要原因。
That's what we're learning at school? That's what we're thinking, and we're eager to know. That's what we're thinking about. That's what rich dads say. "Try to learn to find and buy good companies." And he says, "Try to learn to find and buy good companies," and he encourages learning to make good jobs and make them work for us. We've learned for over a decade from primary school to college, but we've learned things that nobody can tell, much knowledge, much skills, and, most importantly, we've improved our comprehensive quality. We're learning at school, not only to focus on the improvement of our intellectual skills, but, more importantly, to develop a good way of thinking and a good way of doing good things, and he's trying to learn to get good companies to work." And poor dads stress the knowledge and skills to work. Some people say that attitudes determine everything, but some of them affect you, but one of them, and one of the two things that I can tell you, and one of which I can tell you how you can be rich, and why I am able to say it."
富爸爸说：“生活推着我们每个人，有些人放弃了有些人在抗争，如果你是那种没有毅力的人，你将放弃生活对你的每一次推动。这样的话你的一生会过的稳稳当当，不做错事，随时准备着当永远不会发生的事情发生时解救自己，然后在无聊中老死。你会有许多像你一样的朋友，希望生活稳定，处事无误。但事实是，你对生活屈服了，不敢担当风险，你的确想赢但失去的恐惧超过了成功的兴奋，事实是从你内心身处，你就始终认为你不可能，所以你选择稳定。”
And the rich dad said, "Life pushes every one of us, and some give up fighting, and if you're one of those unstinting people, you will give up every push of life to you. Then your life will be steady, do nothing wrong, be ready to save yourself when something never happens, and die in boredom. You'll have many friends like you who want to be stable and be sure of everything. But the truth is, you give in to life, you don't take risks, you really want to win, but you lose the fear of success more than the excitement of success, and the truth is that from inside you, you always think you're impossible, so you choose stability."
现代生活的快节奏注定我们不可能安安稳稳的过，跟在生活的后面跑的人一生都会为生活摆布，领先计划安排生活的人，才能创造出理想人生。观念决定思路，思路决定出路，学会投资和创造财富，转变传统观念，学好投资理财，让自己的人生更加精彩丰富。
The rapid pace of modern life is bound to be impossible for us to live in peace, with those who run behind them all their lives, and those who plan their lives ahead of them, in order to create the ideal life. The idea is to think, to think, to think, to invest and to create wealth, to change traditional attitudes, to learn to invest in money, and to make their lives better.
由于穷爸爸和富爸爸的思维方式不同，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。不可否认，该书中的富爸爸、穷爸爸都是聪明能干的人，但两人对金钱、职务、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巨额财产。
Poor dads work for the government, although they are well paid, while rich dads do well. Undeniably, rich dads and poor dads in the book are smart and capable, but their perceptions of money, jobs, occupations, careers are very different, and ultimately determine a lifetime of financial problems, while others leave tens of millions of dollars behind.
这本书带给我一个深刻地观点——穷人为钱而工作，富人让钱为自己工作。发现自己以前的想法一直是在学习如何成为一个好雇员，如何为钱而工作，而不是学习做成功的雇主，让钱为我工作。读了这本书确实让我收获不少，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，那么我们将最终沦为钱的奴隶。如果让钱为我们工作，那么大钱生小钱，钱就源源不断而来。
The book gives me a profound idea: the poor work for money, the rich let money work for themselves. Finding out that their previous ideas have been to learn how to be a good employee, how to work for money, rather than a successful employer, and how to work for me. Reading it really makes me rich, first of all, to get a new sense of money, to get a new attitude to money, and we want money to work for us, not for money. If we fight for money, then we end up as slaves of money.
人们总是在说，不要为了钱而工作。但事实上，我们似乎无法抗拒为钱而工作。换工作的时候，虽然告诉自己要综合考量，但是薪水永远占了最大的权重。你肯免费干活吗？甚至连薪水少了都不会同意吧。但是正是因为我们把所有的注意力都放在薪水上，却忽略了除了挣工资，这个世界上还有许多获得财富的机会，而且那些方法挣来的钱会比老板付给你的多许多。
People are always saying, "Don't work for money." But, in fact, we don't seem to be able to resist working for money. When you change jobs, you're told to take a comprehensive look, but pay is always the biggest weight. Will you work for free? Not even with less? But it is because we focus all our attention on wages, but we ignore the fact that there are many opportunities for wealth in the world, and that there are many more ways to earn than the boss pays you.
朋友从一开始就在给我强调“财富”“财务自由”，但是我一直不清楚什么是财富？挣多少钱才算财务自由？关于此，《富爸爸穷爸爸》说：你的财富不是你挣了多少钱，而是你挣的钱减去你的开销，才是你最终获得的财富。所以，一个月入1万开销9千的人，实际上还没有月入5千开销2千的人富有。而财务自由无关于你的财富能供你开销多少年，而在于任何时候都有源源不断的现金流到你的腰包。
Friends have emphasized to me “financial freedom” of wealth from the beginning, but I never know what wealth is. How much money is financial freedom? In this case, the rich dads and poor dads say that your wealth is not how much you earn, but the money you earn less your expenses, is the wealth you end up earning. So, the 10,000 people who spend 9,000 a month are actually not rich, and the 5,000 people who spend 2,000 a month are not rich.
听起来十分诱人，它是一个基础的财务知识。我们很多人都没有学过会计。会计可能是世界上最乏味的学科了，也可能是最让人弄不明白的学科。但如果你想长期富有，它又可能是最重要的学科。幸好，《富爸爸穷爸爸》用最简单的语言解释了理财的概念。以下是部分书中的摘抄：
It sounds very tempting, it's a basic financial knowledge. Many of us have never learned accounting. Accounting may be the world's most boring discipline, or perhaps the most incomprehensible one. If you want to be rich in the long run, it may be the most important one. Fortunately, Rich Dads and Poor Dads explain the concept of financial management in the simplest language.
首先，你必须明白资产和负债的区别，资产就是能把钱放进你口袋里的东西。负债是把钱从你口袋里取走的东西。“富人买入资产；穷人只有支出；中产阶级买他们以为是资产的负债。”。今天，我仍在向房子是资产的观念挑战。我知道对许多人来说，房子是他们的梦想和最大投资，而且有自己的房子总比什么都没有强，但我们知道那不是一项资产，由于它使钱从我们口袋中流出去，所以它是一项负债。总之，决定拥有很昂贵的房子，而不是早早地开始证券投资，将对一个人的财务生活在以下三个方面形成冲击：
First of all, you have to understand the difference between assets and liabilities: assets are what can put money in your pocket. Debt is what takes money out of your pocket. “The rich buy the assets; the poor buy the money; the poor buy the liabilities that they think are assets.” Today, I still challenge the notion that the house is an asset. I know for many that the house is their dream and the biggest investment, and that it has its own house better than nothing, but we know that it is not an asset, and it is a liability because it drives money out of our pockets. In short, the decision to own a very expensive house, rather than start investing in securities early will have an impact on a person’s financial life in three ways:
1、失去了用其他资产增值的时机。
1. Loss of opportunity to add value with other assets.
2、本可以用来投资的资本将用于支付房子的各种高额、长期开支。
2. The capital that could have been invested will be used to meet the high and long-term costs of the house.
3、失去受教育机会。人们经常把他们的房子、储蓄和退休金计划列入他们的资产项目。因为他们无钱投资，所以也就不去投资，这就使他们无法获得投资经验，并永远不会成为投资界认可的“成熟投资者”。
3. Loss of access to education. People often include their houses, savings and pension schemes in their assets projects. They do not invest because they have no money to invest, which prevents them from gaining investment experience and will never be recognized as “mature investors” by the investment community.
《穷爸爸，富爸爸》这边书里有谈到穷人和富人的区别是思维模式不同，穷人总是认为自己不可能成为富人，要成为富人，首先得学会用富人的思维来思考问题。
The difference between the poor and the rich is that the poor always think that they can't be rich. To be rich, they have to learn to think with the rich.
几个月过去了，我终于看完了《穷爸爸富爸爸》，它深深的打击了自己的思维模式，我的父亲和那个“穷爸爸”差不多，从小到现在我所接受的教育就是好好学习，学习成绩一定要好，要在班里面考多少名次等等？所以从小学一年级开始，我学习的目标就是好好读书，每次考试一定要考出好成绩，考试成绩说话，很少说拿时间去思考财富，后来进入大学后，对理财没有任何概念，现在回首，发现从进入大学也就是现金开始由自己支配我就没有好好合理安排过，总是到了期末就剩不多的铜板。学会理财，对于我们每一个人还是十分必要的。
A few months later, I finally finished reading "Fathers of the Poor, Rich Fathers" and it struck my way of thinking deeply. My father and the poor dad, as a child, were taught to study well, to study well, to do good grades, to do so in class, and so on. So since the first year of primary school, my goal is to study well, and I have to do good grades at every test, to talk about it, to talk about it, to say little about taking time to think about wealth, to go to college, to think about money, and now to look back and find that I've never had a good idea of what to do from the time I went to college, that is cash, and that there's always little copper left at the end of the term. Learning about money is still necessary for each of us.
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。
Today’s society, where the gap between rich and poor is growing, is of the greatest concern to all. A book by American investors, writer Robert T. Qingzaki, and American entrepreneur and registered accountant Sharon L. Lecht, examines the rich as rich and the poor as their own, and presents a completely new concept of “profits” and challenges traditional school education.
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。
The rich and poor dads in the book are smart people, but the two people have very different views of money, finance, occupation, and career, and ultimately determine a lifetime of financial problems, while the other leaves behind tens of millions of dollars of property. But the greatest feature of the book is that it is a familiar pattern of “reading a good book, learning a good job, getting a good salary, living a stable life.” Robert, the author, thinks that there is a lack of money, because once he goes on this path, he falls into a circle of “earning money, buying a house, buying a car, getting a raise, buying more better goods, and paying more debts.” So the author takes a Robert, who has two dads, a poor dad, and a famous college, who works in a well-known business, telling his children to work for a business; and another rich dad tells him that he has his own business, which he says is an outdated set of “trying to learn, finding a good job”.
我想我觉得这本书对于中国传统思维方式和教育方式也是个巨大的冲击。从现在看来，中国人还是按照传统的思维方式其看待问题，社会的从众心理还是很盛行，每个人并没有自己的观点，传统的应试教育把每个学生都教育成去寻找标准答案的学生，那么到了社会上会演变成所有的人都会去寻找一种答案的现象，而且是用同种思维去寻找答案，这是可悲的现象。那么在对待金钱和人生的道路选择上，我们的父母总是教育后代要读书考出好成绩，进入大学或进入名牌大学，大学毕业以后找个好工作，就算是成功的人生。我觉得90％以上的中国父母中国家庭都是这样的想法，我们的教育工作者也基本上是这样的想法。从个体上来说，人生没有理论，更没有固定的模式，主要是在于个体对于自己的定位和思索，一条路是很容易走入死胡同的，必须放开思维的翅膀，重新定位自己的人生，这是对于大多数中国人来说都是一个全新的思维体验。我觉得人生没有失败，失败只是因为自己没有找到正确的道路和方向。
I think the book is a great shock to China’s traditional way of thinking and education. From now on, China’s parents are still looking at problems in the traditional way of thinking, and society is still popular, with no one’s mind. I think more than 90% of Chinese parents’ Chinese families are trying to educate every student as a student to find a standard answer, and it’s a sad phenomenon that every person in society is looking for an answer, much less a fixed model.
所以这本书隐含了一个问题：如果是用以前的思维和教育观点去看人生的成功，那很多人都不会成功，如果他还是想通过以前的思维去获得成功，那么他可能很难总出困惑，但是如果他换一种思维去积极思考，积极行动，那么他可能改变自己的人生。而且这里还有一个成功的概念？什么才叫成功？难道在现在的社会里高学历高薪就算成功？有一个在深圳打工的哥哥告诉我，在深圳，月薪2万、3万也不算成功，在香港，中产阶级都不能算成功人士，因为他们买不起游艇，在高级的马会所和高尔夫会所他们交不起会员费，而这三样东西是香港社会衡量成功人士的三个标准。现在成功的标准高了，更多的是看一个人的身价。所以，我们还是得重新思考什么叫成功，之后我们才能调整自己的人生理念，死抱着一种旧观念是走不出人生新天地的。
So there's a question about the book: if you look at the success of life with your previous thinking and educational perspective, many people won't succeed. If he still wants to succeed through his previous thinking, he may be confused, but if he changes his thinking to positive thinking and positive action, he can change his life. And there's another concept of success here. What's a success?
这本书是我读到的最好的书之一。我觉得一本好书最关键的是给人以观念上的启迪，激发人的想象力和分析力，让读者在视野上和思路上有很大的空间。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！
This book is one of the best books I've ever read. I think the most important thing about a good book is to give people conceptual inspiration, to inspire imagination and analysis, and to give readers a lot of space in terms of vision and thinking. Indeed, it is not a specific investment guide, but it does serve as a lighthouse in the dark, indicating a value that is not known to most people.
富爸爸给罗伯特说，“如果你不能下定决心，就永远也学不会如何赚钱。要知道，机会总是转瞬即逝的，要想成功必须迅速作出决定。”所以要迅速做出决定，抓住生活中可以赚钱的机会，不能瞻前顾后，犹豫不决。
The rich dad said to Robert, "If you can't make up your mind, you'll never learn how to make money. You know, opportunities are always instantaneous, and to succeed, decisions must be made quickly." So to make a quick decision, to seize the opportunity to make money in life, not to look ahead, to hesitate.
随着罗伯特渐渐长大，他逐渐意识到富人之所以越来越富有，穷人之所以越来越穷，中产阶级之所以总是在债务泥潭中挣扎，其主要原因之一在于他们对金钱的观念不是来自学校，而是来自。
As Robert grew up, he became aware that the rich were getting richer, the poor were getting poorer, and that one of the main reasons why the middle class was always struggling in debt quagmires was that their perception of money came not from school but from it.
家长对待金钱的观念会让孩子们耳濡目染，所以孩子长大后就会“重蹈覆辙”，如果没有刻意去学习了解财务知识，那便会产生恶性循环。
Parents' perceptions of money can spread their children's ears, so that when they grow up, they “do the same thing” and if they do not deliberately learn about financial knowledge, there is a vicious circle.
一个人的观念对其一生有着巨大的影响力。当要买一件东西时，不要说“我可付不起”，要问“怎样才能付得起”，以此来开动自己的大脑。就像富爸爸给罗伯特说，“脑袋越用越活，脑袋越活，挣钱就越多。”轻易说“我负担不起”这类话是一种精神上的懒惰。
One's ideas have a huge impact on one's life. When you have to buy something, don't say, "I can't afford it," ask, "How can I afford it?" To start your own brain. Like rich dad says to Robert, "The more you use your head, the more you live, the more you earn." It's a kind of mental laziness to say, "I can't afford it."
长期精神上的懒惰会麻痹一个人的神经，使得最后就算能负担得起，也会变成负担不起。
Long-term mental laziness paralyses a person's nerves and ultimately becomes unaffordable.
钱是一种力量，但更有力量的是关于理财的教育。钱来了又去，但如果你了解钱是如何运转的，你就有了驾驭它的力量，并开始积累财富。光想不干的原因是绝大部分人接受学校教育后却没有掌握真正的运转规律，所以他们终生都在为钱而工作。
Money is a power, but what is more powerful is the education of money management. Money comes and goes, but if you know how it works, you have the power to manage it and start accumulating wealth. The reason why you think about it is that the vast majority of people who go to school have no real rules of operation, so they work for money for life.
穷人和中产阶级为钱而工作，富人让钱为他们工作。
The poor and the middle class work for money, and the rich allow money to work for them.
穷人和中产阶级更多地让金钱的力量控制他们。他们起床工作，却不问自己这样做的意义；每天为钱去工作，但并不真正懂得钱。于是大多数人就让钱来控制了他们，与他们对抗。
The poor and the middle class make money more powerful. They get up and work without asking themselves what it means; they work for money every day, but they don't really know money. So most people let money control them and fight them.
现实生活中我们可以做到的简单理财方式有以下几点：
The simple ways in which we can manage money in real life are as follows:
1、首先弄清资产与负债之间的差别，开源节流。一旦你明白了这种差别，你就会尽力去只买入能带来收入的资产，这是你走上致富之路的最好办法。不断地这样做，你的资产就会不断增加。同时还要注意降低你的负债和支出，这会让你有更多的钱投入资产项。资产和负债通俗来说就是可以让钱装进你口袋里的东西和让钱流出你口袋的东西。
First of all, identify the difference between assets and liabilities, open source flow. Once you understand the difference, you will try to buy only income-generating assets, which is the best way for you to get rich. Keep doing this, your assets will grow. At the same time, care will be taken to reduce your liabilities and expenses, which will give you more money to invest in assets.
2、做你心里认为正确的事―因为你不管怎么做总会受到批评。如果你做的话，会受到指责；而你不做的话，还是会受到指责。那不如大胆的去做自己心里认为正确的事，这样更容易成功。
2. Do what you think is right - because you are always criticized whatever you do. If you do, you will be blamed, and if you do not, you will be blamed. Then be bold enough to do what you think is right, so that it is easier to succeed.
3、不要背上数额过大的债务包袱。要使自己的支出保持低水平。先增加自己的资产，然后，再用自己的资产中产生的现金流购买大房子或好车子。
Don't carry too much debt. You have to keep your own spending low. First increase your own assets, then buy a large house or a good car with the cash flow generated by your own assets.
4、当你资金短缺时，去承受外在压力而不要动用你的储蓄或投资，利用这种压力来激发你的财务天赋，想出新办法挣到更多的钱，然后再支付账单。这样做，不但可以提高赚钱的能力，还能提高财商。
When you have a shortage of money, put pressure on the outside, instead of using your savings or investment, to use it to stimulate your financial talent, to come up with new ways to earn more money and then pay the bills. Doing so would improve not only the ability to make money, but also the ability to raise money.
5、最重要的一点，投资自己。我们唯一的，最重要的资产就是自己的头脑。投资自己在某种意义上就是最好的理财。
The most important thing is to invest in ourselves. Our only, most important asset is our own mind. Investing in myself is, in a sense, the best money.
这本书有句话让我印象深刻，罗伯特清崎说：“世界上绝大多数人奋斗终身却不能支付，因为他们在学校中从未真正学习关于金钱的知识，所以他们只知道为钱而拼命工作，却从不学习如何让钱为自己工作。”
I was impressed by one of the words in the book, Robert Kiyaki, who said, “The vast majority of the world's people struggled for life but could not pay because they never really learn about money in school, so they only know how to work for money, but never how to make money work for themselves”.
看这本书的时候，写到作者有两个爸爸，一个穷爸爸即自己的亲身父亲，而另一个是朋友的爸爸，即富爸爸。两个爸爸的思想观念矛盾，有着自己的做事行为和观念。他们教育作者的观念和方法都是迥乎不同的。他们有着自己独特的价值观和金钱观。书中，两个爸爸对待事情的方式，一个积极一个“消极”，或者说没有抱负心。清崎刚开始遵从穷爸爸为他设计的人生道路：上大学然后服兵役到最后参加越战，走过了平凡的人生初期。可是后来，清崎亲眼目睹一生辛劳的穷爸爸失了业，但是富爸爸则成了夏威夷的有钱人。清崎于是放弃了穷爸爸的观念，开始毅然追寻“富爸爸”的脚步，踏入商界，最后过上了致富的生活。
When the author read the book, it was written that there were two fathers, one poor father of his own and the other friend of his own, the father of the rich. The two fathers had conflicting ideas and had their own ways of doing things and ideas. They educated authors with very different ideas and methods. They had their own unique values and monetary views. In the book, the two fathers treated things in a positive way, a “negative” or a lack of ambition. Kiyaki had just begun to follow the path of life designed for him by poor dads: to go to college and then to join the army until the end of the war, and to walk through the early days of his normal life. But later, Kiyaki witnessed poor dads who worked his whole life lost their jobs, but rich dads became rich people in Hawaii.
看完这本书，让我回想起父母家人曾说的话：只有好好读书，我们才能找到一份好工作和更高的薪水。在父母眼里，好像只有好好读书，才能脱离贫困。可是现实却是那些拥有高学历的人并没有在社会中混的很好，或者过着他们期待的样子。社会可能有两种态度如书中所说的那样一个为钱而工作，一个钱为我工作。这也间接讲述两种人，一种被生活磨平了棱角，选择屈服生活，过着平淡安稳的生活。一种是在被迫的生活中能够抓住机遇，从而赢得成功的人生。如果一个人的眼界放不开，那么他是不可能成就大事的。我们应学会实现财务自由，不做金钱的奴隶，合理理财和投资，转变自己对金钱的观念。如今，社会的发展如此之快，我们注定不能拥有安稳的生活。若不想被生活摆布，那么我们必须跑在前面。这样才不会随波浊流。穷爸爸的思想观念，保守，平稳，但是最终永远都是一个普通人。可见观念影响一个人的行动，而行动影响一个人出路。只有观念先进，那么我们才有可能成功。
After reading the book, it reminds me of what my parents used to say: that we can only find a good job and a better salary if we read well. In the eyes of parents, it seems that we can only get out of poverty if we read well. But the reality is that those with a high degree of education are not mixed up well in society, or they look forward to it. There may be two kinds of attitudes in society: one that works for money and one that works for me, as it says in the book. It is also indirect that there are two kinds of people, one that are parched by life, one that chooses to live in peace and security. One that is able to take advantage of opportunities in life and win success.
书中富爸爸曾说：富人可以不为钱工作。是啊，有钱人从未把钱视为重要，可能在他们眼里，钱只是一种货币，只是有来交换物品的凭据而已。但是并不是很多人都能成为老板，我们可能不能成为富爸爸，但是我们可以学富爸爸样的思想观念，让钱生钱，让钱为我们工作。所以学会理财很重要，而如今的我们这方面意识太淡泊。
Rich dads used to say, "The rich can't work for money." Yeah, rich people never see money as important. Maybe it's a currency in their eyes, but it's evidence to exchange goods. But not many people can become owners, and we may not be rich dads, but we can learn the ideas of rich dads, let money feed us, let money work for us.
如何做好理财，我觉得一个人要拥有良好的消费观念和不要对金钱产生贪婪的念头。学会如何让自己控制自己的消费欲望。虽然该书没有真正叫我们学会如何去理财，但是改变了我们金钱思维层面的看法。至少可以告诫我们不要去成为金钱的奴隶。我好像懂得了那些上班族的无奈。生活中我们都是穷爸爸，为柴米油盐，房价，车贷而苦恼。处于逆境中的我们，选择了默默接受，不愿打破困境，选择了“安稳”。
How to manage money, I think one needs to have a good idea of consumption and not be greedy about money. Learn how to control his own appetite for consumption. Although the book does not really teach us how to manage money, it changes our thinking about money. At least, we can be warned not to become slaves of money. I seem to know what it is like to work for people who are poor. We all suffer in our lives because of rice and salt, house prices and car loans. In the midst of adversity, we have chosen to accept silently, not to break the dilemma and to choose “sustain”.
最后，这本书其实也讲述了如何做人的道理。生在这个充满机遇的时代，如何做人变得太为重要了。这一切都取决你的人，你的思想，你的行为。一句话总结：让我们做最好的自己！
Finally, the book tells the truth about how to be human. Born in this age of opportunity, how to be human is too important. It's up to your people, your mind, your behavior. Let's sum up: let's be the best of ourselves!
《穷爸爸富爸爸》是我最近看的一本书，在这本书中，作者罗伯特清崎谈论了有关财商的话题，离开学校后，我才明白的道理。他说，学校教育不会教你如何去提高财商，当前的教育体系致力于让年轻人学习专业知识，从而并找到一份好工作。从经济角度来看，正规的学校教育体系缺乏财商教育，所以很多人一生正如穷爸爸生活的样子那般，辛辛苦苦工作，却也总是付不完的账单。站在更多的角度，比如社会认知、人际交往等，学校教育缺乏的东西更是数不胜数。多年的教育中，我们熟读了一本又一本的教科书，却还是理解不了读书的意义，解了无数道深奥晦涩的数学题、物理题，却忘记将思考的方式方法应用到生活当中。
From an economic perspective, the formal school education system lacks financial education, so many people spend their lives like poor fathers, working hard, and always paying their bills. On more points, such as social awareness, interpersonal interaction, etc., what school education lacks is more numerous. In years of education, we have read another textbook, but we still cannot understand the meaning of reading, and we have solved countless difficult maths, physics questions, and forget how we think.
工作一年来，以下是我觉得最受益的几个点与你分享。
Over the course of a year of work, the following points have been shared with you as I feel the most beneficial.
一、坚持让我更加坚强
"Strange" One, "Stucking" makes me stronger.
没有离开学校的时候，周遭的人给我传递的观念如同罗伯特清崎那位受过高等教育的.穷爸爸一样，坚持好好学习，考上好好的学校，从而去得到好的一份工作。我所理解的坚持也仅仅停留在坚持好好学习这一个方面。工作以后，我尝试过坚持很多事情，写日记、看书、写作、健身等等很多，当连续写了一周的日记、连续看过几本书、连续吃过两个周的健康餐以后，生活、心境都开始发生变化，我开始更加深刻地明白了坚持的意义。日记本子上会记录每一天要做的事情、会记下来我美好的回忆、工作上的重点，慢慢地，我的生活更加有条理、有规律。工作的效率更高，更多的时间留给兴趣；读书让我觉得我的视野更加开阔，很多平常偶有灵感尚不成体系的想法开始在书里找到共鸣，从不喜欢读书开始觉得读书的人生真是赚大了；坚持健康的吃让我觉得皮肤在变得更加细腻，体重也有所减轻，整个人的精神状态在变得越来越好，变美的这条路我想继续走下去，健康餐越吃越上瘾。当然这些是能看得见的东西，于我而言那些看不见的东西更让我明白了坚持的意义、坚持的力量。内心在告诉我，你的每一天都不是浑浑噩噩，都是清楚地知道自己的规划与安排，能感受到今天比昨天好了一点点，这样即使遭到别人的质疑，也不会妄自菲薄怀疑自己；别人的朋友圈的面朝大海、春暖花开，似乎都与我没有什么关系，我只是更加清楚每个人都有着属于自己的生活，走哪条路应该取决于自己的心，而不是世俗；从前做什么事情总是因为“别人说……”现在首先想到的我“我需要”。有这么一种感觉，我所坚持的那些东西都好像是我的团队一般，忠诚而又坚韧，它们为我筑起了强大的堡垒，是它们在源源不断地提供着能量，在支持着我。所以让我有勇气做自己。
When I did not leave the school, I was told that I had no idea of what to do, what to do, what to do, what to do, what to do, what to do, what to remember, what to do, what to do, what to do, what to do, what to do, what to do, what to do. After working, I tried to do a lot of things, how to write a diary, read a book, how to write, how to work, how to work, and so on, when I wrote a week-long diary, how to read a few books, how to eat a week-long healthy meal, how to live, how to live, how to live, what to eat, what to do, what to do, what to keep my skin, how to remember, how to keep my life, how to live, and what to do, what to keep on, what to look, how to look, what to look, what to look, what to look, what to eat, what to eat, what to look, what to look, what to look, what to look, what to look, what to look, what to be.
二、思考是人生的捷径
Two, thinking is a shortcut to life
上学的时候，老师经常说的一句话是多思考多总结，的确我们也在这样做。一道数学题，我们可以用着不同的方法来解，但是你知道毕业以后工作、社会给你的那道题比数学题中不可控制的量要多得多。如何挣到更多的薪水，如何能够和身边的父母朋友相处，如何让生活的质量额更高，我们在学校的时候不会遇到类似问题，老师更没有针对性地教导过我们如何去处理，然而这些却是与我们生活联系最大的问题，青年文摘《离开学校后，我才明白的道理》。回忆起离开学校来被我搞砸的问题，所有的致命问题无不在于缺乏思考。如果在面试中我能将一个问题的来龙去脉思考清楚，而不是将一闪而过的想法脱口而出，那么也许得到的是一个更好的offer；上个月的评比中我只因为多考虑了一步，就在月末考核中拿到了一等奖。思考与思考，结果千差万别。思考常规工作的时候，工作经验开始更多更丰富更顺利；思考与人如何更加有效沟通时，我自己也不再是那么拧巴放不开，也开始显得落落大方。离开学校后，我们不会再有需要思考多种方法来完成的数学题，也不会有人让你总结如何在下次模拟考试中获得更好的成绩。
When we go to school, teachers often say a lot more thoughts and sum up, and indeed we are doing it. One mathematical question, we can solve it differently, but you know that when I leave school, there are far more deadly questions for you than there is in mathematics. If I get more pay, how I can work with my parents and friends around us, how we can get a higher quality of life, we don't get a better offer when we go to school, and I don't get a better off the point of last month's evaluation, just because I think a little bit more about it, and when I think about leaving school and thinking about it, there's no difference.
然而事实上，生活中的问题处处需要你的智慧。让自己走向更好的路也许有很多条，但是其中称不上捷径的捷径一定是多思考。如果一个人不思考，那么同一台冰冷的机器也没了区别。
But in fact, the problem in life needs your wisdom everywhere. There may be a lot of ways to get yourself on a better path, but there must be a shortcut to thinking. If one doesn't think, there's no difference between a cold machine and a cold machine.
三、读书收获干货、获得情感体验
III. Reading to harvest dry goods, getting emotional experience
似乎这个世界永远有人在提倡读书，永远有人读不进书，读书究竟能带来什么东西，只有读书的人才能有所领悟。终其一生，每个人都会面临着种种的选择，我们没有办法去尝试每一条路。但是读一本书却可以感受一种心路历程，体验一种人生。生活的圈子也许不大，但读书带给你生活圈却是无穷尽的。教育、经济、摄影、文学等等你所有想了解，在书中都可以得到。书的世界就像是一个伸着双手怀抱宇宙的巨人，正如有句话说“只要付出一个汉堡的钱，便可以得到一个作者在那段岁月所有的心思与时间”。在《自控力》这本书中，我收获到的是满满的干货。面对各种美食的诱惑，面对突如其来的心情抑郁，我会学着分析自己的心理特征，从而让自己更加“坚强”地面对。我知道了“十分钟法则”，我还学会了意志力训练。在《解忧杂货铺》这本书中，一个个有关选择的故事让我明白身为情感动物，无论哪一种选择，我们永远最需要的都是有关支持。支持则源于爱，有了支持，我们才有前进的动力。珍惜爱自己的人有多重要。在《乌合之众》中，我明白了为什么有时候看似热闹盛大的聚会不仅不会轻松，反倒压力重重，我开始相信孤独也会是一种减压方式。我开始学着让自己不去依赖群体，开始学会忍受孤独，学会独处，我开始相信自己的智慧、自己的思考。在一本本书中，我开始感受到读书的力量，读书让我收获更多的情感体验，让我看到不一样的思维方式，让我感受到文字的奇妙，让我爱上写作，让我觉得闲暇时光去阅读一本书是那么的充实美好。
It seems that the world is always about reading, that people can never read, that there is something to read, that only those who read can understand. In the end of their lives, everyone faces choices, and we can't try every way. But in a book I can feel a way of going through a life. Life may be small, but reading can be endless. Education, economy, photography, literature, all you want to know, you can learn. The world is like a giant who holds his hand in the universe, and I know that I can pay for a burger, and I can't learn all the time that I can think about it. In a book called Self-control, I get a full line of dry stuff. In a book, I can't think about it, I can understand it, I can't believe it, I can't understand it, I can't understand it, I can't understand it.
四、慎言是处理同事关系的不二法门
> >.
每个人都需要交谈，交谈能够释放压力、促进感情、让生活更加轻松。但是选择交谈的对象、倾诉的对象却需要谨慎行之。到了社会更加明白一个道理，在学校里学不到的东西大多是走过很多弯路才会明白的。刚刚工作的一个月里，无意间跟不在一个部门的学姐表达过对一个合作伙伴的不满，后来陆陆续续的一个星期里，我开始受到合作伙伴的旁敲侧击，暗示我她已经知道了我对外人的说辞。的我最开始一定想不到结局会是这个样子。一个单位的圈子就只有那么大，流言就像夏季的风一样，总会刮到每一个人的耳朵里。每个人的心理界限不同，你不经意间的一句话，也许会让人觉得你出卖了他。更愚蠢的方式便是上述我自身的案例，把对同事的不满说给同事听。即便你是出于信任，跟同事说了一句不可公之于众的话，那么对于你所倾诉的那个人来说，她也多了一份帮你保守秘密的责任。于你于听者都不是一件好事情。学会喜怒不形于色、谨慎言之，能够让心胸变得更加开阔明朗，不再斤斤计较一些谁是谁非；守住口德一定程度上也会免于让自己陷入被议论的对象，谨慎言之更是一个人素质的体现。所以，同事之间的聊天应该仅限于日常交谈则是明智的选择，树洞的事儿还是应该寻找合适的人、合适的方式。
Everyone needs to talk, and talk is free of pressure, to promote emotion, and to make life easier. But the person who chooses to talk, and the person who talks, needs to be cautious. When society becomes more aware of one thing, much of what is not learned in school goes through a lot of curves. In the first month of work, you may think that you have sold someone without thinking about it. This is my own case, which I began to talk to my colleagues about. Even if you had confidence, you had told your colleagues that the end would be like this. For the person you spoke about, she also had a responsibility to keep a secret.
写在后面：和正规的学校不同，社会这所大学校中的每一件事、每一个人都像是一个老师；没有人逼迫你会背多少课文，没有试卷会告诉你这次考试你能得到多少分，但是它的排名更加有竞争力、更加残酷。每每面临生活中的无奈与无助的时候，日记里写下所有各种情绪，最后总会以耐克的那句经典的广告语“JUSTDOIT”来摆渡所有的情愫。去做吧，正规学校里学不到的东西社会学校会教你，社会这所学校同样也需要在学校里里那份坚忍不拔的决心与毅力。
In the back: unlike a regular school, every single thing in this school is like a teacher; no one presses you to carry a lot of texts, and no test will tell you how much you get for this test, but its ranking is even more competitive and cruel. Every time you face helplessness and helplessness in life, every emotion is written in the diary, and all emotions are swept away by Nike’s classic ad, “JUSTDOIT.” Go ahead, the social school that you can’t learn in a regular school will teach you, and society will need the same perseverance and perseverance in the school.
说起《穷爸爸富爸爸》这本书，有好几次本应早就看上，却因为种种原因一次又一次的错过，直到最近被我列为投资必看之书，才进入待看序列，但一看上就简直是一气呵成的读完，畅销书就是畅销书，真是吸引人，尤其是像我这些在投资领域“满身是伤”的人，不过在经济大环境下，大多数不管是职业还是业余投资人的日子都不好过，所以看起来真有醍醐灌顶的感觉。
Speaking of the book "Fathers of the Poor ", which should have been read several times earlier, it was missed again and again for a variety of reasons until I was recently listed as a book of mandatory investment, but it was a perfect reading, and the best-selling book was a best-selling book, which was very attractive, especially for people like me who were “suffering and hurt” in the field of investment, but in the economic environment, most people, whether they were professionals or amateurs, had a hard day, so it seemed like they were doing a good job.
被作者的财商思维所折服，也感叹于他在年纪尚小的时候就能遇上他的“富爸爸”，一个成功又充满智慧企业家的敦敦教诲，使他能从小就耳濡目染商业运行的规则，在他一生中打下良好的基础，同时也让他能与他亲生父亲“穷爸爸”的那种思维去对比，是他的大幸。
Convinced by the author's financial and business thinking, he also lamented the fact that he had met his “rich father” when he was a young man, and that the teaching of London, a successful and intelligent entrepreneur, had enabled him to see the rules of business from an early age, to lay a good foundation in his life, and to compare him with the thinking of his biological father, the “poor father”.
书中前半部分无时不刻不都体现出富爸爸作为企业家的智慧，锻炼着小罗伯特，让他们从小就浸润在商业的环境中，受到学校不曾学到的财商思维。财商思维和日常我们传统教育正相反，教育更多是培养人不要或少冒险，不要犯错，尽量在考试中考取高分，而到了社会上的商业环境中则是残酷的，不敢承担相应的风险，不敢试错，也就离实现自己价值很远。敢于承担风险，是财商的起步，不过这个承担风险是有前提的，是要钻入到那个行业中去了解它内在的脉动，这样才能让自己尽量的规避风险。
The first half of the book reflects the wisdom of rich dads as entrepreneurs, exercises young Roberts, and keeps them immersed in a business environment from an early age, subject to financial thinking that the school has never learned. The opposite is true of financial thinking and our traditional education, which educates people less or less risk-taking, does not make mistakes, tries to score high scores in the examinations, while the business environment in society is cruel, does not take the corresponding risks, does not try to make mistakes, and is far away from realizing its own value.
作者的富爸爸经常教育他，要迥异于普通人的思维方式，普通人在有了笔收入时先支付支出，也就是先支付给别人，而富人更多是先支付自己，比如购买能给自己增值的资产，通过这些能够增值的资产来达到财富的正向积累。而普通人则是先满足自己的消费，把本来投资资产的余钱挥霍掉，让自己掉入一个恶性循环中，永远羡慕别人在财务上自由，而自己常感叹自己的命运不佳。
The author’s rich father often educates him, unlike the ordinary man’s mind, that ordinary people pay their expenses first when they have a pen income, that is, when they pay others first, while the rich pay themselves first, for example, by purchasing assets that add value to themselves, and by adding value to the positive accumulation of wealth. The ordinary man first meets his own consumption, squanders the surplus of assets that he had invested in, keeps himself in a vicious circle, envious of other people’s financial freedom, while he often laments his own fate.
书中不断强调要走向财务上的丰裕，首先对财务知识有一定的了解，知道金钱的流动性，也就是钱动向的规律，只有了解金钱的规律，自己又懂得了常识，并严格的按照自己设定的策略行事，结果都不会太差。但要经过长期对财商思维的训练及实践后才会掌握，很多人刚一投资就想玩票大的，往往亏的底朝天，哀怨连连。他建议，先从小的投资开始，把财商思维先培养起来，就像一个刚学走路的孩子，要先学会爬，再经历着蹒跚走路摔倒的过程，最后拥有跑的能力。
The book’s constant emphasis on moving toward financial prosperity begins with a certain understanding of the liquidity of money – a pattern of money movement – and does not go so badly if you know the rules of money, you know common sense, and you act strictly according to your own strategy. After long training and practice in financial thinking, many people want to play big votes at first, often at the bottom of the day, grieving.
我们看到作者在投资领域是一帆风顺，好像在他所投资标的领域都比较成功，简直是火眼金睛，这是他长期锻炼所致，不仅锻炼投资技能，他还主动去花钱来投资自己，让自己不断去学习对自身有用的知识，再通过这些知识积累去触类旁通，为他找寻更多投资机会。
We see the author's success in the field of investment, as if he had been successful in the subject matter of his investment, which is the result of his long-term exercise, not only of his investment skills, but also of his own initiative to invest in himself, to keep himself learning what is useful to him, and to find more investment opportunities for him through the accumulation of that knowledge.
本书最主要的核心观念，就是当他懂得了钱的流动性时，知道不断买入能有收入的正向资产，如股票、房产、基金，让他的资产不断的走向正数，而他的负债很少，即使他在经济很困难的情况下也是不断买入正向资产，然后再想办法考虑支付其他支出，这样就逼迫他不得不去想其他办法来解决支出问题。
The central idea of the book is that when he understands the liquidity of money, he knows that the constant purchase of income-generating positive assets, such as stocks, properties, funds, keeps his assets on track, that his liabilities are small and that he keeps buying the assets in the right direction, even in difficult economic circumstances, and then finds a way to think about paying for other expenses, forcing him to find other ways to solve the problem of spending.
反观自己，在对待金钱方面显得随意又无知，没有任何规划性可言，拆了东墙补西墙，弄的自己毫无章法，对财务知识更是关注少之又少，这实在像是在上战场的人，不去对战场有利的信息做起码的研究。大多乱投一通，反正就是想快速致富。谁都想快速致富，可真正致富的人还是少数，这是基本的二八定律。
It's like people on the battlefield don't have to study the minimum information that is good for the battlefield. Most of the time, they want to be rich quickly. Everyone wants to be rich quickly, and those who really are rich are the few, which is the basic rule.
对于财商的学习教育，是每一个人都要花上一定时间甚至一辈子去掌握去学习的，因为有百益而无一害。财商就是对财富商机的把握，把握它应有的规律，在规律中发现商机，在读懂商机后，用正确的方式抓住，并坚守着，看着它茁壮成长，能高概率的收获成功。
It is everyone who spends a certain amount of time or even a lifetime learning, because there is no harm in learning. It is the money dealer who knows the business opportunities, who knows the rules, who discovers the business opportunities, who, after reading them, seizes them in the right way and holds them, and who sees them grow and grow, and who has a high probability of success.
随着时代的进步，经济快速发展，人们挣钱的欲望也不断膨胀。我看到过很多为了金钱而忙碌奔波的人，有些人甚至为了钱抛弃自己的道义，人格。
With the progress of the times, the economy has grown rapidly, and the desire for money has grown. I have seen a lot of people rushing for money, some even abandoning their moral and personality for money.
为了生存，生活，而努力工作，努力赚钱，可是钱是赚不完的。人们通常只是埋头苦干，无比辛苦的工作着，但并不停下来思考为什么自己会被钱所困扰。
To survive, to live, to work hard and to earn money, it is hard to earn. People usually work hard and hard, but don't stop to think about why they are beset by money.
作为一个金融专业学生，我很惭愧并没有专业素养，临近毕业才对这方面有了些兴趣。断断续续用了两天时间看完了罗伯特。清崎的《穷爸爸富爸爸》，很久以前就听别人推荐过这本书，但对金融，理财并不感兴趣，就没有在意。如今看完，很后悔自己没有早一点读这本书。
As a financial student, I am ashamed to be unprofessional, and it is nearing graduation that I am interested in it. It took two days to read Robert.
书中，罗伯特有两个爸爸，准确的说一个是他好朋友迈克的爸爸，一个则是他的爸爸。迈克的爸爸在书中被罗伯特称为“富爸爸”，而他自己的爸爸是“穷爸爸”。其实两个爸爸的事业都相当成功，而且一辈子都很勤奋，两个人都有着丰厚的收入。然而一个人终其一生都在个人财务问题的沼泽中挣扎，另一个则成了夏威夷最富有的人之一。
In the book, Robert had two dads, one of his good friends Mike's dad and the other his dad. In the book, Robert's dad was called a rich dad, while his own dad was a poor dad. In fact, both dads had a very successful career and worked hard their whole lives, and both had a very rich income. But one spent his whole life struggling in a swamp with personal financial problems, and the other was one of the richest people in Hawaii.
穷爸爸受过良好的教育，聪明绝顶，拥有博士光环。而富爸爸连八年级都没念完。两个爸爸都深信教育的力量，但却给罗伯特截然对立的建议，这让他有了对比和选择，而这种对比和选择的结果决定了他的一生。在富爸爸的教育下，他和迈克有丰富的财务知识和理财技巧，都没有被财务问题所困扰，都有自己的财务自由，成为了“富人”。
Poor dads are well educated, brilliant, and have doctoral Halo. And rich dads haven't finished their eighth grade. Both dads believed in the power of education, but advised Robert against each other, which led him to contrasts and choices that determined his life. With rich dad's education, he and Mike had a wealth of financial knowledge and management skills that were not troubled by financial problems, they had their own financial freedom and became “rich people”.
大多数人都希望有一份工资收入，之所以会这样是因为恐惧和贪婪之心。先说恐惧感，没钱的恐惧会刺激我们努力工作，当我们得到报酬时，贪婪或欲望又开始让我们去想所有钱能买到的东西。于是就形成了一种无穷无尽奔忙的模式。
Most people want a wage, because of fear and greed. First, fear with no money stimulates us to work hard, and when we get paid, greed or desire starts to remind us of what money can buy. So there is an endless pattern of rush.
我们希望钱能消除恐惧，但却还是无法摆脱恐惧，不停的工作，不停的挣钱。钱主宰了生活，控制了情感和灵魂。
We want money to eliminate fear, but we still can't get rid of fear, work and earn money. Money dominates life and controls emotions and souls.
人们总是为了实现欲望，而最终变成是为钱工作。他们认为钱能买来快乐，可用钱买来的快乐往往是短暂的，所以他们不久就需要更多的钱来买更多的快乐、更多的开心、更多的舒适和更多的安全。于是，他们不断的工作，以为钱能使他们那被恐惧和欲望折磨着的灵魂平静下来，但实际上钱无法满足他们的欲望。
People always work for desire, but eventually for money. They think that money can buy happiness, and the fun it can buy is often short-lived, so they will need more money soon to buy more happiness, more joy, more comfort and more security. So they work constantly to think that money calms their souls that are afflicted by fear and desire, but that money does not actually satisfy their desires.
富爸爸告诉罗伯特和迈克，“造成贫穷和财务问题的主要原因是恐惧和无知，而非经济环境、政府或富人。自身的恐惧和无知使人们难以自拔，所以你们应该去上学并接受大学教育，而我教你们怎样不落入陷阱。”
The rich dad told Robert and Mike, "The main causes of poverty and financial problems are fear and ignorance, not the economic environment, government, or the rich. Fear and ignorance make it hard for people to find themselves, so you should go to school and go to college, and I'll teach you how not to fall into a trap."
他教罗伯特和迈克在学校里学不到的东西，让他们学会支配钱，而不是害怕它。让他们成为钱的主人，而不是奴隶。
He taught Robert and Mike what they couldn't learn at school, so they learned to control money, not to be afraid of it. Make them masters of money, not slaves.
富爸爸还给罗伯特他们解释说人生实际上是在无知和幻觉之间的一场斗争。一旦一个人停止寻求知识和信息，就会变得无知。因此，人们需要不断地与自己作斗争，通过学习打开自己的心扉。
Rich dads also explained to Robert that life is actually a struggle between ignorance and illusion. Once a person stops looking for knowledge and information, he becomes ignorant. Therefore, people need to constantly fight themselves and open their hearts through learning.
从长期来看，重要的不是你挣了多少钱，而是要看你能留下多少钱，以及留住了多久。
In the long run, what matters is not how much you earn, but how much you can keep and how long you stay.
在罗伯特九岁时，他和迈克想成为富人，所以便开始和富爸爸学习挣钱，刚开始他们在富爸爸的店里每周六工作三小时，报酬是每小时10美分，这在当时算是比较少的工资了。在罗伯特觉得工资少，想放弃时，富爸爸又和他进行了一次谈话，这次是他和迈克无偿工作，最后他和迈克也都答应了，并经受住了诱惑。
When Robert was nine years old, he and Mike wanted to be rich, so they could start learning to earn money with rich dads, start working three hours a week in a rich dad's shop for 10 cents an hour, which was a relatively small wage at the time. When Robert thought he was underpaid, he had a conversation with rich dad when he wanted to give up, this time he and Mike worked for free, and finally he and Mike both agreed to work for free, and managed to resist the temptation.
富爸爸告诉他们，“生活才是最好的老师，大多数时候，生活并不对你说些什么，它只是推着你转，每一次推，它都像是在说‘喂，醒一醒，有些东西我想让你学学’，假如你弄懂了生活这门大课，做任何事情你都会游刃有余。但就算你学不会，生活照样会推着你转。所以生活中，人们通常会做两件事。一些人在生活推着他转的同时，抓住生活赐予的每个机会；而另一些则听任生活的摆布，不去与生活抗争。他们埋怨生活的不公平，因此就去讨厌老板，讨厌工作，讨厌家人，他们不知道生活也赐予了他们机会如果你是那种没有毅力的人，你将放弃生活对你的每一次推动。这样的话，你的一生会过得稳稳当当，不做错事、随时准备着当永远不会发生的事情发生时解救自己，然后，在无聊中老死。你会有许多像你一样的朋友，希望生活稳定、处世无误。但事实是，你对生活屈服了，不敢承担风险。你的确想赢，但失去的恐惧超过了成功的兴奋，事实是从内心深处，你就始终认为你不可能，所以你选择了稳定”。
And the rich dad tells them, “Life is the best teacher, and most of the time life is nothing to you, and it just pushes you around, and every push is like saying, ‘Hey, wake up, there are things I want you to learn’, and if you understand the lesson, you'll be out of your way. But even if you don’t learn, life will push you around. So life is usually two things. Some people, while they push him around, take every opportunity that they give up, and others just leave life at their disposal, and don’t fight it. They hate the unfairness of life, they hate the boss, they hate the work, they hate the family, and they don’t know that life gives them the chance to be stable, but if you are one of them, you'll give up every push to life. In this case, your life will be stable, when you do nothing wrong, you'll be ready to take advantage of it, and you'll lose the fear of it, and you will have no chance of it.”
富爸爸教给罗伯特的知识无疑是最宝贵的财富，那么可以总结为以下值得我们学习的几点：
There is no doubt that the knowledge taught to Robert by the rich father is the most valuable asset, and the following points can be summarized as worthy of our study:
钱能买来的快乐是暂时的，所以不要让贪婪和欲望蒙蔽了双眼，长久的快乐和安全是靠自己聪明的大脑去获取的。
The joy that money can buy is temporary, so don't let greed and desire blind your eyes. Long-term happiness and security are acquired by your own smart brain.
要善于思考。
Be good at thinking.
克服恐惧和无知，要不断的学习，寻求知识和信息。
Overcoming fear and ignorance requires continuous learning and the search for knowledge and information.
要抓住机会，与生活抗争，而不是任其摆布。
The opportunity to struggle with life is to be seized, not to be at the mercy of others.
跳出舒适区，敢于承担风险。
Jump out of comfort zone, dare to take risks.
要做一个有毅力的人。
Be a strong man.
什么是真正的资产？房子是最大的资产吗？
What's a real asset? Is the house the biggest asset?
穷爸爸认为房子是最大的投资和资产，而富爸爸则相信房子是负债，如果你的房子是你最大的投资，你就有麻烦了。穷爸爸说我不富有，因为我有孩子，富爸爸则说我必须富有，因为我有孩子。
Poor dads think the house is the biggest investment and asset, while rich dads believe the house is a liability, and if your house is your biggest investment, you're in trouble. Poor dads say I'm not rich because I have children and rich dads say I have to be rich because I have children.
人们的生活永远被这两种感觉所控制，恐惧和贪婪。“起床，上班，付账，再起床，再上班。再付账……他们的生活永远被这两种感觉所控制，恐惧和贪婪，给他们更多的钱，他们就会以更高的开支重复这种循环，这就是我所说的‘老鼠赛跑’。”
People's lives are always controlled by these two feelings, fear and greed. "Get up to work, pay, get up and go to work. Pay again...their lives will always be controlled by these two feelings, fear and greed, giving them more money, and they will repeat this cycle with higher spending, which is what I call "rat race."
富人不为钱工作
很多人抱怨我们拿到的钱远远不止我们干的活，总抱怨自己拿到的少，于是去寻找更高报酬的工作，同时他们的开支也会增大，工作，支付账单，工作，再支付账单，循环往复。
Many people complain that we have far more money than we do, that we have less money, that we are looking for higher-paying jobs, and that their expenses will increase, that they will work, pay bills, work, pay bills, and go back and forth.
什么是21世纪的文盲？是不会写字的人吗？是那些不再看书，不再看报，不学习，不思考的人才是真正的文盲。真正的富人不是你现在拥有多少钱，而是你能留下多少钱。
What is illiteracy in the twenty-first century? Is it someone who can't write? It's those who don't read anymore, don't read anymore, don't learn, don't think. The real rich people are really illiterate.
如麦当劳，创始人早已不在，但他这一个品牌和店铺遍布全世界。20年后的今天，想象力的力量，在信息时代和互联网时代，数百万30岁以下的人，利用他们的想象力来创造改变世界的应用程序，从Facebook到Uber,snapchat等,他们也因此变得富有，有想象力的人蒸蒸日上，而缺乏想象力的人仍然在寻找工作，这份工作有可能很快被机器人和技术所取代。
For example, McDonald’s, the founder is long gone, but his brand and shop are all over the world. Twenty years later, the power of imagination, the power of millions of people under the age of 30 in the information age and the Internet, using their imagination to create applications to change the world, from Facebook to Uber, snapchat, and so on, they have become rich, imaginative people are steaming, and those who lack imagination are still looking for jobs that could soon be replaced by robots and technologies.
这一章节的给人我的感受是，工作岗位和未来事业发展都可以通过人的想象力来创造，创造出一个个个性化的机会，也就是说未来的岗位和职业都是可以靠自己的想象来创造的，解决人们现实中的问题，没有做不到的事情，只有想不到的主意。
It gives me the impression that jobs and future career development can be created through human imagination, creating an individualized opportunity, meaning that future jobs and careers can be created by their own imagination, solving problems in people's realities, having nothing to do with them, having only unexpected ideas.
人们常说儿童阅读很简单，读的故事嘛，谁都会的，何必这么辛苦跑到你这边来付费听故事呢?
It's often said that children's reading is simple, they're reading stories, they're all reading stories. Why do you have to come here to pay for a story?
这本书是通过故事的方式向你传达理财和投资的观念，更加深入人心，易于理解。故事写的就是作者本人，自己的父亲是“穷爸爸”，朋友的父亲是“富爸爸”，两个爸爸，是两种不同的财富观念，在成长的过程中，作者在两种观念的挣扎中选择了“富爸爸“的观念，然后成功致富。
The book conveys the idea of money and investment to you in the form of a story, which is more profound and understandable. The story is written by the author himself, his father being a “poor father”, the father of a friend being a “rich father”, and the two fathers, two different ideas of wealth. In the process of growing up, the author chooses the notion of “rich father” in the struggle for both ideas, and then succeeds in making it rich.
书中的理财观念比较新颖，能开阔自己的思维，这本书值得我以后再多看几次。我看到网上有很多抨击这本书的，我觉得大可不必，毕竟这本书的作者是美国人，国情不一样，再加上时代的不同。
The book is novel and open to thinking, and the book deserves to be read a few more times. I see a lot of criticism on the Internet, and I don't think it is necessary, after all, because it is written by Americans, with different national circumstances, and with different times.
我们现在读到的书都是作者在过去完成的，我们只能从历史经验中汲取一些营养。
The books we are reading are all done by the authors in the past, and we can only draw some nutrition from historical experience.
要读书，是学习别人的思维模式，不能照抄照搬，很多人照着这本书去寻找财富自由的路径，反而亏损严重。思维的改变固然重要，行动也很重要，但也要结合自身的实际，稳扎稳打。想暴富这种异想天开的事情，还是想想就该干啥干啥吧。
To read, it is to learn other people’s ways of thinking, not to copy them, and many people follow this book in search of a path to freedom of wealth, but to lose a lot. The changes in thinking are important, the actions are important, but they also need to be coupled with their own reality, and they need to be steady. Think about what to do if they want to be rich.
里面还有一句话我觉得给我印象很深：“让金钱成为你的雇员，不停的为我们工作，获取更多更大的资产！”
There's one more thing I think I'm impressed by: "Let money be your employee, keep working for us, get more and more assets!"
书中还区别了资产与负债的概念，资产就是能把钱放进你口袋里的东西，负债就是把钱从你口袋里取走的东西。
The book also makes a distinction between the concept of assets and liabilities, which are what can be put in your pocket and what is taken out of your pocket.
让你产生现金流入的才叫资产，流出的是负债，哪怕是房产，若没有足够的升值空间且不能交易，或不能产生高于贷款的现金流入，便属负债。
It is the assets that allow you to generate cash inflows and the liabilities that flow out, even if the properties do not have sufficient scope for appreciation and cannot be traded, or do not generate cash inflows that are higher than the loans.
真正的资产包括：
Real assets include:
①不需要我到场就可以正常运作的业务；
I don't need my presence to be able to function properly.
②股票，基金；
2 equities, funds;
③能产生收入的房地产；
3 Real estate that generates income;
④可靠的票据；
4 Reliable instruments;
⑤专利权，版权；
5 patents, copyrights;
⑥任何其他有价值，可产生收入或可增值同时市场很好流通的东西。
6. Any other valuable thing that generates income or adds value while the market circulates well.
从长期来看，重要的不是你挣了多少钱，而是要看你能留下多少钱，以及留住了多久。对我们刚毕业的成年人来说，把支出维持在低水平，减少借款和勤劳地工作，会帮我们打下一个稳固的基础。然后用自己持有的部分资金做理财，和时间做朋友，不断扩大收益，静待时间的功效。
In the long run, it does not matter how much you earn, but how much you can keep, and how long. For our recently graduated adults, keeping spending at a low level, reducing borrowing and working hard, will help us build a solid foundation. Then spending some of the money we hold on to money, and time as friends, expanding the benefits and waiting for the effectiveness of time.
大多数人都渴望富有，不过有钱并不是富有的全部，还需要有健康的身体和更多空闲的时间真正享受人生，要是每天只是知道埋头苦苦，在忙与忙之间忽略了家人，也没有时间休闲乐趣，即使换来了家财万贯，又有何意义呢？
Most people yearn for wealth, but wealth is not everything, and there is a need for healthy bodies and more free time to truly enjoy life, and what is the point of knowing each day that they are suffering, neglecting family members between busy and busy, and having no time for leisure, even if they are rich?
富爸爸穷爸爸的作者，罗伯特.T.清崎认为，只有当你完全不必劳动，而依然可以维持你的生活时，你才称得上真正富有，然后，对大多数靠工作拿稳定收入的人来说，这是不可能实现的，那么怎么样才能真正的财务自由呢？
Robert T. Kiyzaki, the author of the rich father's poor father, thought that you would be truly rich only if you were completely free from labor and could still sustain your life, and then, for the majority of people who worked for a stable income, that would not be possible, so what would be true financial freedom?
富爸爸穷爸爸是一本十分畅销而又“另类”的书，从根本上对中国人的传统价值观、金钱观、人生观产生了强烈的冲击。
The rich and poor father is a very well-selled and “unlike” book, which has had a strong impact on traditional Chinese values, monetary values and life stances.
作者认为，正确的金钱观的形成，应该从儿童时期抓起，父母不能把提高孩子的“财商”的希望寄托于现有的学校教育系统。书中还揭示了富人之所以富有的秘密，以自己的亲身经历印证了走向财务自由的首要观念。在财务自由上，穷人、中产阶级同富人有着天壤之别：穷人和中产阶级让自己为钱工作；富人则让钱为自己工作。在此基础上，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，而分时让自己不断花钱的都叫负债。
According to the author, the right monetary outlook should be developed from childhood, and parents cannot rely on the existing school education system to raise their children’s “money-maker” hopes. The book also reveals the secret of the rich’s wealth, confirming the primary notion of financial freedom with their own personal experience. In terms of financial freedom, the poor, the middle class and the rich are very different: the poor and the middle class allow themselves to work for money, and the rich allow them to work for themselves. On this basis, the author further clarifies the definition and relationship between assets and liabilities.
在如何处理负债和资产的关系方面，作者清崎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，提倡以稳定的“现金流”保障我们的生活。“现金流”作为现代社会早就存在的“古老’的游戏规则，为什么还有那么多现代人不能从容面对呢？作者认为，主要是因为人们还固守以往的思维模式，无法从传统的金钱观念中摆脱出来。读了《富爸爸穷爸爸》艺术，我们要问问自己：既然我们可以画十几年的是假去学习知识，为什么不能用短得多的时间去学学理财呢？我们遇到财务困惑货感到缺钱时，总算把他归于知识的不足，因而就想方设法地再去学习深造获得更高的文凭。只有早些从中这种误区中走出来，才有可能创造更美好的生活。
In terms of how to deal with the relationship between indebtedness and assets, the author Qingzaki explained the financial skills and knowledge that everyone should know when faced with the rules of the money game and advocated for a stable “cash flow” to protect our lives. “Cash Flows” as the “old” rules of the modern world, why can't so many modern people be left to deal with it? The author argues that it is mainly because people are still stuck with the traditional paradigm of thinking and cannot escape from the traditional idea of money. Read the art of Rich Dads and Poor Dads.
职场中人人渴望得到晋升和加薪，但晋升和加薪真能满足我们现实心中的愿望吗？答案不容乐观。如果公司不能满足你晋升和加薪的要求，你很可能考虑跳槽，希望下“嫁”一个能满足自己的这些愿望的公司。但往往是，跳槽后情况依然如此。在不断跳槽的过程中，可能你的收入，职位有所提高，但你原先存在的困惑依然没有消除。我们只有将职业与事业（为别人工作还是为自己工作）认真地区分开来，明辨资产和负债，抓住机遇，才有可能实现自己的财富目标。因此，我们一定要放弃单纯依赖晋升和加薪来改善生活质量的想法，而应该在工作中勤劳思考，不断增加自己的资产。
Everyone in the world of work aspires to promotion and salary increases, but does promotion and salary increases really satisfy our real aspirations? The answer is not encouraging. If the company fails to meet your promotion and salary requirements, you may well consider jumping to “marry” a company that meets its own aspirations.
随着“富爸爸穷爸爸”一书在全球的畅销，许多人的理财观念经受了前所未有的洗礼。阅读它，多少会对你的人生产生影响，至少在理财观念或工作态度上。
With the book "Friendly Fathers and Poor Fathers" sold globally, many people experience an unprecedented level of money management. Reading it will have an impact on your life, at least in terms of money management or work attitude.
穷爸爸富爸爸写了穷人和富人对待金钱、昂贵东西、学习上的思维差异。简单再说一下资产与负债的差异。
Poor dads and rich dads write about poor people and rich people's differences in thinking about money, expensive things, and learning. Let's just say the difference between assets and liabilities.
一、资产就是能把钱放进你口袋里的东西；负债是把钱从你口袋里取走的东西。
First, assets are what can put money in your pocket; liabilities are what takes money out of your pocket.
二、金钱不是真实的资产，我们唯一的，最重要的资产就是我们的头脑。
Secondly, money is not a real asset. Our only and most important asset is our mind.
三、真正的资产可以分为下列几类：a.不需我到场就可以正常运作的业务。我拥有它们，但由别人经营和管理。如果我必须在那儿工作，那它就不是我的事业而是我的职业了；b.股票；c.债券；d.共同基金；e.产生收入的房地产；f.票据（借据）；g.专利权；如音乐、手稿、专利；h.任何其他有价值、可产生收入或可能增值并且有很好的流通市场的东西。
Third, real assets can be divided into the following categories: a. Business that can function normally without my presence. I own them, but they are run and managed by others. If I have to work there, it is not my career but my occupation; b. stocks; c. bonds; d. mutual funds; e. real estate that generates revenues; f. notes (debited); g. patents; e., music, manuscripts, patents; h. anything that is valuable, generates income or is likely to add value, and has a good circulation market.
四、明智的投资者往往购买一项不太流行的投资，他们懂得盈利是在购买时已经获得，而不是在出售时获得的。
Fourthly, intelligent investors tend to buy a less popular investment, knowing that profits are earned at the time of purchase rather than at the time of sale.
感悟点：一、一定要创建有系统的企业才是王道，否则是无法得到财富自由的；个体户到企业家的转变是金钱到财富自由的转变，很难，但是必须转变，因为金钱和财富自由的差异天壤之别！
Awareness points: First, it is imperative to create a systematic enterprise that will not be free of wealth; the transition from an individual to an entrepreneur is a transition from money to freedom of wealth, and it is difficult, but it has to change, because money and freedom of wealth are very different!
感悟点二：可产生增值并且具备流通市场的项目：知道这个流动市场的要求会让我们避免躲过很多坑，市场上有很多项目都打着会增值的幌子推广，如股权投资、币圈的空气币、新三板股权等没有流动性的项目确定是个坑，千万不能跳进去。
Sensitization point two: Projects that generate value added and have a market in circulation: Knowing that the requirements of this mobile market will allow us to avoid many pitfalls, many of which are promoted under the guise of value added, such as equity investments, air coins in currency circles, new three-board equity, etc., are identified as pits and must not jump in.
感悟点三：好的项目一定在不太流行的时候进入，一旦大家都认可了，已经成为韭菜了，大家可以参照渗透率，渗透率低于5%的时候就是大机会，渗透率10-20%的时候是个好机遇，渗透率超过50%就放弃吧，就是韭菜的命了！
Recognise #3: A good project must have entered at a less popular time, and once it's accepted, it's become a pickle, you can refer to the penetration rate, the penetration rate is a big one when it's below 5%, the penetration rate is 10-20% is a good opportunity, the penetration rate is over 50%, it's the fate of the pickle!
“我有两个爸爸，一个穷，一个富。穷爸爸受过良好的教育，拥有博士光环；与之相反的是，富爸爸连八年级都没念完。两位勤奋的爸爸，事业都相当成功，有着丰厚的收入，可不同的是其中一人终其一生深陷财务问题的沼泽，面对一些待付的账单苦苦挣扎，而另一个爸爸为教堂、慈善机构和家人留下数千万美元的巨额遗产，是夏威夷最富有的人之一。”
"I have two dads, one poor, and one rich. Poor dads are well educated and have a doctor's halo; instead, rich dads are not even in eighth grade. Two hard-working dads, with a very successful career and a very rich income, are one of the richest people in Hawaii, one of whom spent his life in a swamp with financial problems, struggling with some bills to pay, while another dad left tens of millions of dollars in legacy to churches, charities and his family."
是什么造就了他们人生的不同？我认为是思维所致。两者在教育观，金钱观上有极大的分歧，此处且称穷人观和富人观。穷爸爸和富爸爸虽都非常重视教育，但在教育观上却有所不同。穷爸爸和如今大多数家长们想法一致，他们看重学校教育，认同“好好读书，将来能有安稳的工作，才有更好的生活”这一套说法，并长期向孩子们灌输；而富爸爸重视有用的教育，所谓教育，不一定是学校教育，还可以是实践教育例如上网学习财务知识，去市场观察商人如何待人接物，去拜访某个富翁问他是如何赚钱等等，这些经历使人受益匪浅，具有教育意义。
What makes their lives different? I think it's thinking. There is a great difference between the two, in terms of education, money, and, here, the view of the poor and the rich. While poor fathers and rich fathers value education, it is different in terms of education. Poor fathers and the majority of today's parents share the idea that they value school education, that they appreciate school education, that they can do a better job in the future, and that they teach children a better life for a long time. Rich fathers value useful education, that is not necessarily school education, but also practical education, such as learning financial knowledge online, going to the market to see how a businessman treats people, visiting a wealthy man to ask how he earns money, and so on, and so on.
两个爸爸的金钱观也是截然相反的。穷爸爸认为“贪财乃万恶之源”，找个安稳的高薪职位才算好，是“为钱而工作”，富爸爸认为“贫困才是万恶之本”，鼓励学习挣钱，了解钱的运动规律，是“钱为我工作”。
The money stance of the two dads is quite the opposite. Poor dads think that “wealth is the source of all evil”, that it is better to find a stable, high-paying job, that “work for money”, rich dads think that “poverty is the root of all evils”, that they encourage learning to earn money, that they understand the rules of the money movement, and that “money works for me”.
穷人观，富人观，不同的思维塑造着不同的生活道路，而观念也影响着子子孙孙。他们后辈的生活道路也是如此的相似，所以也就有了穷人越穷，富人越富的说法。
Poor people see, rich people see, different ideas shape different ways of life, and perceptions affect their children and grandchildren. The same is true for their descendants, so there is the argument that the poor are poorer and the rich are richer.
自我审视一番，我曾是穷人无疑——物质穷，思想穷。从小我就被灌输要好好读书才能考上个好大学才能找到好工作这些“穷人观”。我时常在想这么单调的活着什么时候才是个尽头，如何跳出“老鼠赛跑”的陷阱是我一直纠结的疑惑。自己越长越大，想法也越来越成熟，有了明辨是非的能力，一直灌输于我的“穷人观”再也不会让我言听计从。被迫生存，我的内心是拒绝的，而为我选择的生活是我所追求的。
When I looked at myself, I was a poor person — poor in material terms and poor in thinking. I was taught to study well before I could go to a good university to find a good job — the “poor man's vision” — and I often wondered when life would end in such a monologue, how to get out of the “rat race” trap. The longer I grow, the more mature I am, the more mature I am, and the better I am, the better I am, and the better I am, the better I am, and the better I am, the better I am, the better I am, the better I am, the better I am.
如今的社会，能者胜。而能者不止在学习上，还在各项技能上，最重要的是有一个精明的头脑。由此可见，富爸爸的观念对身处新时代我们来说更具有启发性。
Today's society has the winner. And it's not just about learning, it's about skills, but, above all, a smart mind. So the ideas of rich dads are more enlightening for us in the new era.
《富爸爸穷爸爸》这本书，让我的思想又成熟了些许。我想我需要接触更多的新东西来拓宽我的眼界，增加我的维度；我想我需要重视有用的教育，用头脑思考哪些更适合自身发展，而不是看到什么学习什么；我想我需要实践来培养个人能力，遇到事情不是否定自己做不到，而是选择思考如何去做到。不要光顾眼前利益，而要看到长期利益，相信拥有一个精明的头脑，那离过上有品质的生活也不远了。
I think I need to touch more new things to widen my horizons and increase my dimension; I think I need to think about what is more appropriate for my own development than what I see learning; I think I need to practice to develop personal abilities, not to deny that I can't do it, but to think about how to do it. Not to look at what's in front of me, but to see what's in the long term, to believe in a smart mind, that's not far from living a good life.
富爸爸教给罗伯特的知识无疑是最宝贵的财富，那么可以总结为以下值得我们学习的几点：
There is no doubt that the knowledge taught to Robert by the rich father is the most valuable asset, and the following points can be summarized as worthy of our study:
①钱能买来的快乐是暂时的，所以不要让贪婪和欲望蒙蔽了双眼，长久的快乐和安全是靠自己聪明的大脑去获的
One dollar buys happiness for the time being, so don't let greed and desire blind your eyes.
②要善于思考。
Two to be good at thinking.
③克服恐惧和无知，要不断的学习，寻求知识和信息。
Overcoming fear and ignorance requires continuous learning and the search for knowledge and information.
④要抓住机会，与生活抗争，而不是任其摆布。
To seize the opportunity, to fight life, not to be at the mercy of others.
⑤跳出舒适区，敢于承担风险。
Five jumps out of comfort zone, dares to take risks.
⑥要做一个有毅力的人。
Six to be a determined man.
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。
Rich dads and poor dads are smart people, but they have very different views of money, finance, occupation, career, and ultimately determine a lifetime of financial problems, while the other leaves behind tens of millions of dollars of wealth.
穷人有不好的习惯，一个普遍的坏习惯是随便“动用储蓄”；富人知道储蓄只能用于创造更多的钱，而不是用来支付账单。
Poor people have bad habits, and a common bad habit is to “leverage savings”; the rich know that savings can only be used to generate more money rather than to pay bills.
富爸爸却认为这是典型的身体勤劳，脑袋懒惰，思想控制力不够。就是你要上班，也要时刻想出自己的事业，持续的思考总会出结果。
But rich dads think it's typical of physical hard work, lazy head, lack of intellectual control. You have to go to work, always think about your career, and always think about it.
穷爸爸是最怕风险，做事稳稳当当，按照大众或者大众思维办事，不敢出错。比如大家都说“铁饭碗”好，于是也拼命叫儿子好好念书搞个“铁饭碗”。或者有一天终于决心投了几万做生意，却亏了，就想被蛇咬了一样再也不敢投资了。
Poor dads are the ones who fear the risks, do things well, do things according to popular thinking, and don't make mistakes. People say, for example, that the "iron job" is good, so they ask their sons to study hard for a "iron job." Or one day they decide to put tens of thousands of dollars in business, but they lose it, and they want to be bitten by a snake and never invest again.
《富爸爸穷爸爸》在书中告诉了我们一套理财方法：将自己的收入分为几份，有债务的可以将自己收入的百分之二十用于偿还债务，百分之十存入银行，日常消费控制在百分之七十之内。没债务地的可将更多的钱存入银行。这个方法有这些好处，既不会影响你的日常生活，也能让你在不知不觉中偿还了你的债务，同时又让你有了自己的存款。
Rich Fathers and Poor Fathers tell us in their books a set of ways to manage money: to divide their own income into several, those with debts can allocate 20 per cent of their income to debt servicing, 10 per cent to banks, and day-to-day consumption can be kept within 70 per cent. People without debts can put more money in banks. This way has the benefits of not affecting your daily life and allowing you to repay your debt unwittingly, while at the same time making your own savings.
富爸爸告诉我们，把钱存起来不是最明智的选择。（当初的存钱是为了控制花费，真正的目的是让你有钱搞投资。）只有让钱为你工作，才能实现财务自由。投资，是一门比较有学问的课程。富爸爸特别强调：不要轻易地将你的钱投出去，尽可能的不要将你的钱投在你以前从未接触的事物上。
Rich dad told us that saving money is not the smartest option. (The money was saved to control spending, and the real purpose was to make you rich to invest.) Financial freedom can be achieved only if money works for you. Investment is a more learned course. Rich dad stressed, among other things, that don't throw your money easily, and as much as possible, don't put your money on something you've never had to touch before.
诚宜信认为从小对钱就没那个管理观念，说什么一参加工作就可以把钱管理的很好是不实际的。富爸爸有一句话说得很好，投资永远都不会早，任何年龄的人都可以自己赚钱。许多人都说，金钱不是生命中最重要的东西。也许这是真的。但是，金钱却实实在在地影响着每件重要的事情——你的健康，你的教育，以及你的生活质量。金钱可以带给你两种情况之一：束缚或自由！把你束缚在你的工作上，债务上，有时甚至会束缚你和另一半的关系；而另一方面，金钱也能够带给你自由，让你自由选择自己想要的生活。
It is not practical to believe that there is no management concept of money since childhood and that it is good to say that you can manage it when you work. Rich dad has a saying that investment is good, never early, and that people of any age can make their own money. Many say that money is not the most important thing in life. It may be true. But money really affects every important thing — your health, your education, and your quality of life. Money can bring you one of two things: restraint or freedom. Locking you in your work, debt, and sometimes even your relationship with the other half; and, on the other hand, money can give you the freedom to choose the life you want.
记得以前有人说过，如果硬要把人进行区分，那么只能分为人物、人士和人才三个档次。有极大的社会影响的人叫人物；在某个领域专精且做出一定成绩的叫人士；在某个领域为公司所用，为社会所用叫人才。社会上还有一个形容人的名次，叫做“渣滓”，但这个名字并不会在我对人进行区分的定义中，为什么，人尽有其才，唯大小不同而，由此论之渣滓是人物、人士或者人才向坏的方面演化的进化体。能够成为名人的至少都是人士或者人物，在他们的专访（传统媒体、新媒体乃至新新媒体）中，他们经常说为了成功成就而工作。但在《富爸爸穷爸爸》一书中接触到了另一种观点“富人不是为了钱而工作，而是让钱为自己工作”。这话很深奥，白话一点来说，富人是在享受造钱的过程，享受资本运作的过程。这也就是为什么该书作者向大家推荐增加财商，培养自己的孩子的理财知识了。天上不会掉馅饼，如果你想享受造钱的快乐，享受资本运作的过程，你得会造钱，会资本运作，而理财知识恰恰是迈出这一步的基础。
It is recalled that in my definition of the distinction between human beings, it can only be divided into three categories: people, people, and talent. People who have a great social impact call people; people who specialize and make certain achievements in a certain field; people who use it in a certain field; and people who use it in a particular field. There is also a description in society, called “slags”, but the name does not come into contact with the other view, in my book, that “rich people do not work for money, but for money to work for themselves.” It is very profound, it is true that people who are rich are in the process of making money and in the process of capital operations. That is why in their interviews (traditional media, new media, and even new media), they often say that they work for the sake of success.
理财知识，对于投资的理解这两门学问如此渊博，现在活得累点，努力学习，为以后美好的生活而奋斗！
Financial knowledge and understanding of investment are so profound that they are now tired and hard to learn and struggle for a better life for the future!
穷爸爸富爸爸这本书早流行的时候我就不屑一看，因为我一直对大众流行有抵触的。就象家庭主妇鸡皮老奶都在炒股的时候你就该清仓了。这条绝对是真理的。现在流行风过了，再加上有人推荐，我就有理由看了。嘿嘿，没想到又应验了老话————-书中自有黄金屋书中自有颜如玉啊。
I don't give a shit about this book when it's popular, because I've always been against it. It's like you should clear it when a housewife's chicken-skin milk is on the market. It's the truth. Now it's the wind, and it's recommended, and I have a reason to look at it. Hey, I didn't think I'd read it again -- it's a gold house book.
比较认真的看了富人不为钱工作这一章节。标题让我的脑子里现出几个大问号。在我的认知范围内，富人都是为钱工作的。不过又仔细想想世界五百强们应该就不是为钱工作了吧，
Look at the chapter where the rich don't work for money. The title gives me a few questions in my head. In my sense, the rich work for money. But think about it, the world's 500 strong don't work for money.
恩，只能说我认识的富人还不能介定为真正意义上的富人了。一章读完证明确实如此。原来认为的开着大公司开好车有好几套房子的富人们，他们一样因为恐惧和贪婪为钱而工作，身心都不能自由和快乐。因为可能他们不知道关于钱的知识；不知道什么是资产和负债；（资产就是能把钱放进你口袋里的东西，负债是把钱从你口袋里取走的东西）而只是害怕没有钱的生活，让这种害怕的情绪控制了他们的思想和行为，象一头驴一样的周而复始的老鼠赛跑。而不是用脑子想一个能解决问题的长久之计——-学习财务知识，用钱来为自己工作。就是这样，我觉得这本书的宗旨就是要告诉我们一个这样的道理。听起来很简单。但反过来我们又是那么愚蠢，因为98%的我们都是驴子。
Well, I can only say that the rich people I know don't qualify as the rich in the real sense. Read the chapter and prove it. The rich people who thought they had several houses in a big company, working for money with fear and greed, could not be free and happy, because they probably don't know what money is; they don't know what assets and liabilities; the assets are what money is in your pocket; the debt is what money is in your pocket; the debt is what money is in your pocket; it's just a life without money; it's a life without money; it's a rat race that controls their thoughts and behaviour, like a donkey; instead of thinking about a long-term solution -- learning financial knowledge, working for themselves. That's what I think the book's about to tell us. It's easy to say. But we're stupid, because 98 per cent of us are donkeys.
现在的问题是如何让自己不当驴子？
Now, the question is, how do you make yourself look like a donkey?
大多数人选择对生活屈服，不承担风险，过稳定的生活，社会和我们的父母都这样教育我们。走出校园我选择了挑战，因为不安分的性格还有无知无畏。其实确切的说我没当过几天驴子，也没有能找到用钱为自己工作的方法，因为根本不知道。按照书上的说法。钱为你工作的标志是：不需我到场就可以正常运作的业务。我拥有它们，但由别人经营和管理。这种事情听起来的确很棒。在我的理解一件事情少了你还能够继续运作就必须有一套系统让它上轨道，这套系统就是核心的竞争力和完善的管理。我认识的我听过的这样的企业象昆明的城建股份，还有万科地产都应该算吧。（不知道你的公司算不算，如果算的话我们的距离就不成问题了）除了这些，能不为钱工作的事情还需要信息、创造别人忽略的机会来赚钱等等吧。总之，现在对我来说还是纸上谈兵呢。只是你说要谈谈想法就只有这么胡诌一篇了，望勿见笑！
Most people choose to bow to their lives, not to take risks, to live stable lives, and to educate us in society and our parents. I have chosen the challenge of getting out of school, because there is uncertainty and ignorance. Indeed, I haven't been a donkey for a few days, and I can't find a way to work for myself, because I don't know at all. According to the book, money works for you: I don't need to be there, but it's run and managed by others. That sounds great. In the end, I need a system to keep it on track, a system that's competitive and sound management at the core.
时下流行的图书层出不穷，但在书店，引起我注意的却是美国作家罗伯特？T？清崎和和莎伦？L？莱希特合著的《富爸爸、穷爸爸》一书。此书主要讲的是有关投资理财面的一些新的思想和理念，对于我，原本是提不起任何兴趣的，但它书名的别出心裁，吸引了我的目光。我想，它的畅销，与它的书名也一定有着重大的关系，如果把书名改成《投资新理念》一类的话，这本书多半会滞销。
But in the bookstore that is popular, it is American writers Robert T. Kiyaki and Sharon L. Lecht who have come to my attention in the book " Rich Dads, Poor Dads ". The book is about new ideas and ideas about the financial aspects of investment, which I would not have been interested in, but whose name has attracted my attention. I think that its name is also of great relevance to its name, and if it were changed to a new concept of investment, it would probably be lost.
《富爸爸、穷爸爸》是一个真实的故事，作者的亲生父亲和朋友的父亲对金钱看法的截然不同，使他对认识金钱产生了兴趣，最终他接受了朋友的父亲的建议，也就是书中所说的“富爸爸”的观念，即不要做金钱的奴隶，要让金钱为我们工作，并由此成为一名极富传奇色彩的成功的投资家。本书提出了“金钱是一种思想”的观点，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。对于罗伯特先生在书中的言论，我不敢妄加评论，因为，在财经方面，我实在是外行，但作者独特的思维方式却带给了我一次不小的冲击，给了我新的视角去审视自己的生活，审视自己所受的教育，重新定位自己的生活：我可以选择不同的人生！所以本文就撇开金钱因素，纯粹就作者的思想观念来谈谈自己的一些粗浅见解。
The rich father, the poor father, is a true story in which the author's biological father and his friend's father took an interest in understanding money, and eventually accepted the advice of his friend's father, the idea in the book that I should not be a slave to money, that I should work for us, that I should be a successful investor. The book puts forward the idea that “money is an idea” from an individual point of view, analysing the rich as rich and the poor as poor themselves, introducing a completely new concept of “finance” and challenging traditional school education. I am afraid to comment on Mr. Robert's remarks in the book, because I am an outsider in financial terms, but the author's unique way of thinking has given me a unique shock, giving me a fresh look at my life, looking at my education and repositioning my life: I can choose a different life!
正如书中所言，上天赐予我们每个人两样伟大的礼物：思想和时间。但是，如何去合理运用这两件礼物，却是一个重大的难题。在同学间大部分人都意识到，仅仅有大专文凭或好分数是远远不够的。在校园之外的现实世界里，有许多比好分数更为重要的东西，我常常听到人们将这些东西称之为“毅力”、“气势”、“精明”、和“才华横溢”等等。不管怎么称呼，这都是比学校分数更能从根本上决定人们未来的因素。
As the book says, God has given us two great gifts: ideas and time. But how to make rational use of these two gifts is a major challenge. Most people in school realize that having a college diploma or a good score is far from enough. In the real world outside campus, there are many things that are more important than good scores, and I often hear people call them “sustainability”, “breath”, “smart” and “brilliance.”
因此我们要学会思考在一个新的环境中，一种新的身份下，我们首先要做的，是要重新为自己定位，是要评估一下自己正在做的事中什么是有效的，什么是无效的。不要做那些无效的事情，找一些有效的事情去做，“寻找新的思想”，“学会支配时间”。只有充分运用好时间，才能在最短的时间内学习到更多、更丰富的知识，当好的时机来临时能沉稳的应对。既然“初生牛犊都不怕虎”，在把握时机的同时，那我们又何必因为害怕失败而缺乏勇气去付诸实践呢？书中提到的大多数穷人都具有这样的思想：“我不能承担风险”、“别犯错误”、“别冒险”等等，这实际上是缺乏信心的表现。要知道，在现实世界里，人们往往是依靠勇气而不是聪明去领先于其他人的！
So in a new environment, in a new identity, the first thing we have to do is reposition ourselves to assess what works and what does not work. Don't do anything that doesn't work, find something that works, find new ideas, learn time. Only by making good use of time will we be able to learn more and more knowledge in the shortest possible time, and deal with it temporarily when the right time is good. Since “none of the first calfs is afraid of tigers”, why do we have to take the time to do it without the courage to do it? Most of the poor people mentioned in the book have such ideas as: “I can't take risks”, “don't make mistakes”, “don't take risks”, and so on, which is actually a lack of confidence. You know, in the real world, people often rely on courage rather than intelligence to lead others!
罗伯特先生指出了学校教育中最失败的一点，就是教导我们不要去失败，之所以很多人不能做到他自己的极限，就是因为他害怕失败。实际上，从失败中可以学习到很多经验。当失败的程度变小的时候，成功就会变得越来越大。每个人都有成功的可能性。要知道“失败乃成功之母”，因为每次失败，就会变得更加聪明。作者认为穷人之所以穷，就是因为他们缺少自知，而更多地让金钱的力量控制他们。他们每天为钱去工作，却不问自己这样做的意义。可通常是，人们不相信他们自己内在的智慧，而只是随波逐流，人云亦云。他们做一些事是因为其他人这么做，他们总是服从而不去提问。可喜的是，现在的教育制度在渐渐改变孩。的这种思维，它提倡、鼓励孩。去发现，去探索和发展自己的个性，让自己掌握生活，而不是让自己成为生活的奴隶。
Mr. Robert pointed out that one of the most failings in school education is to teach us not to fail, because many people cannot do their limits because they fear failure. In fact, they learn a lot from failure. Success becomes greater when failure becomes smaller. Everyone has the possibility of success. Knowing that “failure is the mother of success”, because every time failure becomes smarter. The authors think that poor people are poor because they lack self-awareness and the power of money is more to control them. They work for money every day without asking themselves what it means. It is usually people who do not believe in their own inner wisdom, but simply follow the tide and the cloud.
我很欣赏富爸爸的一条经验：“生活推着你转”。生活之所以推着你转，不是因为驱使你的人很厉害，而是因为你个人缺乏自我控制和纪律性。那些缺乏内在坚毅的人往往会成为那些自律性很强的人的牺牲品。而扪心自问，谁会甘心成为别人成功路上的踏脚石？因此，对于我们正也吸收知道的学生来说想要学习新知识，那就要先告诉别人你的看法，然后，新的思想和好的灵感就会如同山洪爆发，喷涌而出。
I appreciate one of the experiences of rich dads: "Life pushes you around." Life is not driven by the greatness of your people, but by the lack of self-control and discipline on the part of individuals. Those who lack inner tenacity tend to fall victim to those who are very self-restrainted. And ask themselves, who are willing to become the stepping stone on the road to success? So, for those of us who are also absorbing what we know, we have to tell others what you think, and then new ideas and good inspirations are like flash floods.
由于工作多年存款依旧没有达到期望值，最近对财经方面的书很感兴趣，一直希望能有本书可以指点迷津。《穷爸爸富爸爸》是我购买的财经类丛书之一，这个周末囫囵吞枣的看完了。之所以说囫囵吞枣，是因为在阅读的过程当中发现该书的实操性意义不大，和我期待的有很大差距。
Since the number of years of working savings still falls short of expectations, and there has been a recent interest in books on finance, it has been hoped that there will be a book that will provide some insight. Poor and Rich Dads are one of the financial books I have bought, and this weekend I have finished reading the dates. The reason for saying the dates is that, in the course of reading, the book is of little practical significance, and there is a huge gap between what I expect.
《穷爸爸富爸爸》出版已有十年，曾一度荣登《纽约时报》《华尔街日报》等美国一流媒体的畅销书榜首，即便在国内，这本书中所提到的一些观点依然流行于人们的口中，足见这本书的影响力。
Ten years have passed since the publication of The Poor and Rich Fathers, who once took the lead in the best-selling books of the leading media in the United States, such as the New York Times and the Wall Street Journal. Even at home, some of the ideas mentioned in the book are still popular in people's mouths and have seen the impact of the book.
然而，也许是因为我是抱着看完此书可以找到发财途径变成富婆的期待去读的，因此在看完作者倡导财务自由须克服人性弱点的大量说教之后很是失望，除此之外，这本书中的一些观点还是值得学习的。
However, some of the ideas in the book are worth learning, in addition to the disappointment that I am reading after reading the vast amount of discourse that advocates financial freedom to overcome human weaknesses, perhaps because I look forward to finding a way to make a fortune.
首先，财商决定着人能否走向财务自由。我们从小受教育被灌输的理念是好好读书长大找到一个好工作。这种思想使我们变成工作和金钱的奴隶，并因为缺乏理财观念和方法而影响一生。该书指出正确的观念是，让金钱为你服务并且不停的增值，并最终实现不必工作也有资金流动的增值。
First, it is the money traders who determine whether people can move to financial freedom. The idea that we have been taught from childhood is to learn and grow up and find a good job. It turns us into slaves of work and money, and affects life because of a lack of ideas and methods.
其次，人的思想对于走出财务困境很重要。勇于尝试、接受变化以及创造性思维对于理财至关重要。自大、顽固的负面思想以及缺乏自律的生活方式无益于个人抓住日新月异的社会变化所带来的投资和增值的机遇。所有成功的企业家、投资者们，信念是最重要的东西。
Courage, acceptance of change, and creative thinking are essential for financial management. Consumption, obstinate negative thinking, and a lack of self-discipline in lifestyles do not help individuals to seize the opportunities for investment and value-added offered by changing societies.
最后，走向财务自由，身边的人很重要。让资产增值需要有专业的人做专业的事，银行家、会计、房产经纪人等能够帮助你节省时间和精力，并能为你提供专业化的建议。同时结交与你的目标和追求一致的人，或者已经理财成功的人，在交流中学习获取信息和学习新事物将有助于获取新的投资机遇。
Finally, it is important to move toward financial freedom. Adding assets requires professionals to do professional work, bankers, accountants, real estate agents, etc. can help save you time and energy, and provide you with professional advice.
总之，本书是一本启蒙思想的书，财商小白可以读一读。至于那些希望从书中获取投资方式的童鞋，此书就不建议读了。
In short, the book is an enlightening book, so that the rich and the rich can read it. As for the children who want to get their own investment, the book does not recommend reading it.
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"The poor, rich, rich, rich, rich, rich, rich, rich, poor, rich, poor, rich, poor, rich, poor, rich, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, poor, poor, poor, poor, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, poor, rich, rich, rich, poor, rich, rich, poor, rich, rich, rich, rich, rich, rich, rich, rich, poor, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich, rich.
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