rich dad poor dad-第25节

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　only　thing　to　ask　yourself　is　〃What's　in　it　for　me？〃　Be　a　little　greedy。　It's　the　best　cure　for　laziness。
Too　much　greed；　however；　as　anything　in　excess　can　be；　is　not　good。　But　just　remember　what　Michael　Douglas　said　in　the　movie　Wall　Street。　〃Greed　is　good。〃　Rich　dad　said　it　differently：　〃Guilt　is　worse　than　greed。
For　guilt　robs　the　body　of　its　soul。〃　And　to　me；　Eleanor　Roosevelt　said　it　best：　〃Do　what　you　feel　in　your　heart　to　be　right…for　you'll　be　criticized　anyway。　You'll　be　damned　if　you　do；　and　damned　if　you　don't。〃
Reason　No。　4。　Habits。　Our　lives　are　a　reflection　of　our　habits　more　than　our　education。　After　seeing　the　movie　Conan；　starring　Arnold　Schwarzenegger；　a　friend　said；　〃I'd　love　to　have　a　body　like　Schwarzenegger。〃　Most　of　the　guys　nodded　in　agreement。
〃I　even　heard　he　was　really　puny　and　skinny　at　one　time；〃　another　friend　added。
〃Yeah；　I　heard　that　too；〃　another　one　added。　　〃I　heard　he　has　a　habit　of　working　out　almost　every　day　in　the　gym。〃
〃Yeah；　I'll　bet　he　has　to。〃
〃Nah；〃　said　the　group　cynic。　　〃I'll　bet　he　was　born　that　way。　Besides；　let's　stop　talking　about　Arnold　and　get　some　beers。〃
This　is　an　example　of　habits　controlling　behavior。　I　remember　asking　my　rich　dad　about　the　habits　of　the　rich。　Instead　of　answering　me　outright；　he　wanted　me　to　learn　through　example；　as　usual。
〃When　does　your　dad　pay　his　bills？〃　rich　dad　asked。
〃The　first　of　the　month；〃　I　said。
〃Does　he　have　anything　left　over？〃　he　asked。
〃Very　little；〃　I　said。
〃That's　the　main　reason　he　struggles；〃　said　rich　dad。　　〃He　has　bad　habits。〃
〃Your　dad　pays　everyone　else　first。　He　pays　himself　last；　but　only　if　he　has　anything　left　over。〃
〃Which　he　usually　doesn't；〃　I　said。　〃But　he　has　to　pay　his　bills；　doesn't　he？　You're　saying　he　shouldn't　pay　his　bills？〃
〃Of　course　not；〃　said　rich　dad。　　〃I　firmly　believe　in　paying　my　bills　on　time。　I　just　pay　myself　first。　　Before　I　pay　even　the　government。〃
〃But　what　happens　if　you　don't　have　enough　money？〃　I　asked。　〃What　do　you　do　then？〃
〃The　same；〃　said　rich　dad。　　〃I　still　pay　myself　first。　Even　if　I'm　short　of　money。　My　asset　column　is　far　more　important　to　me　than　the　government。〃
〃But；〃　I　said。　　〃Don't　they　e　after　you？〃
〃Yes；　if　you　don't　pay；〃　said　rich　dad。　　〃Look；　I　did　not　say　not　to　pay。　I　just　said　I　pay　myself　first；　even　if　I'm　short　of　money。〃
〃But；〃　I　replied。　　〃How　do　you　do　that'〃
〃It's　not　how。　The　question　is　'Why；'〃　rich　dad　said。
〃OK；　why？〃
〃Motivation；〃　said　rich　dad　〃Who　do　you　think　will　plain　louder　if　I　don't　pay　them…me　or　my　creditors？〃
〃Your　creditors　will　definitely　scream　louder　than　you；〃　I　said；　responding　to　the　obvious。　〃You　wouldn't　say　anything　if　you　didn't　pay　yourself。〃
〃So　you　see；　after　paying　myself；　the　pressure　to　pay　my　taxes　and　the　other　creditors　is　so　great　that　it　forces　me　to　seek　other　forms　of　ine。　The　pressure　to　pay　bees　my　motivation。　I've　worked　extra　jobs；　started　other　panies；　traded　in　the　stock　market；　anything　just　to　make　sure　those　guys　don't　start　yelling　at　me。　That　pressure　made　me　work　harder；　forced　me　to　think；　and　all　in　all　made　me　smarter　and　more　active　when　it　es　to　money。　If　I　had　paid　myself　last；　I　would　have　felt　no　pressure；　but　I'd　be　broke。〃
〃So　it　is　the　fear　of　the　government　or　other　people　you　owe　money　I　to　that　motivates　you？〃
〃That's　right；〃　said　rich　dad。　〃You　see；　government　bill　collectors　are　big　bullies。　So　are　bill　collectors　in　general。　Most　people　give　into　these　bullies。　They　pay　them　and　never　pay　themselves。　You　know　the　story　of　the　96…pound　weakling　who　gets　sand　kicked　in　his　face？〃
I　nodded。　　〃I　see　that　ad　for　weightlifting　and　bodybuilding　lessons　in　the　ic　books　all　the　time。〃
〃Well；　most　people　let　the　bullies　kick　sand　in　their　faces。　I　decided　to　use　the　fear　of　the　bully　to　make　me　stronger。　Others　get　weaker。　Forcing　myself　to　think　about　how　to　make　extra　money　is　like　going　to　the　gym　and　working　out　with　weights。　The　more　I　work　my　mental　money　muscles　out；　the　stronger　I　get。　Now；　I'm　not　afraid　of　those　bullies。
I　liked　what　rich　dad　was　saying。　　〃So　if　I　pay　myself　first；　I　get　financially　stronger；　mentally　and　fiscally。〃
Rich　dad　nodded。
〃And　if　I　pay　myself　last；　or　not　at　all；　I　get　weaker。　So　people　like　bosses；　managers；　tax　collectors；　bill　collectors　and　landlords　push　me　around　all　my　life。　Just　because　I　don't　have　good　money　habits。〃
Rich　dad　nodded。　　〃Just　like　the　96…pound　weakling。〃
Reason　No。　5。　Arrogance。　Arrogance　is　ego　plus　ignorance。　I　　　　　〃What　I　know　makes　me　money。　What　I　don't　know　loses　me　money。　Every　time　I　have　been　arrogant；　I　have　lost　money。　Because　when　I'm　arrogant；　I　truly　believe　that　what　I　don't　know　is　not　important；〃　rich　dad　would　often　tell　me。
I　have　found　that　many　people　use　arrogance　to　try　to　hide　their　own　ignorance。　It　often　happens　when　I　am　discussing　financial　statements　with　accountants　or　even　other　investors。
They　try　to　bluster　their　way　through　the　discussion。　It　is　clear　to　me　that　they　don't　know　what　they're　talking　about。　They're　not　lying；　but　they　are　not　telling　the　truth。
There　are　many　people　in　the　world　of　money；　finances　and　investments　who　have　absolutely　no　idea　what　they're　talking　about。　Most　people　in　the　money　industry　are　just　spouting　off　sales　pitches　like　used…car　salesmen。
When　you　know　you　are　ignorant　in　a　subject；　start　educating　yourself　by　finding　an　expert　in　the　field　or　find　a　book　on　the　subject。

CHAPTER　NINE
Getting　Started

I　wish　I　could　say　acquiring　wealth　was　easy　for　me；　but　it　wasn't。
So　in　response　to　the　question　〃How　do　I　start？〃　I　offer　the　thought　process　I　go　through　on　a　day…by…day　basis。　It　really　is　easy　to　find　great　deals。　I　promise　you　that。　It's　just　like　riding　a　bike。　After　a　little　wobbling；　it's　a　piece　of　cake。　But　when　it　es　to　money；　it's　the　determination　to　get　through　the　wobbling　that's　a　personal　thing。
To　find　million…dollar　〃deals　of　a　lifetime〃　requires　us　to　call　on　our　financial　genius。　I　believe　that　each　of　us　has　a　financial　genius　within　us。　The　problem　is；　our　financial　genius　lies　asleep；　waiting　to　be　called　upon。　It　lies　asleep　because　our　culture　has　educated　us　into　believing　that　the　love　of　money　is　the　root　of　all　evil。　It　has　encouraged　us　to　learn　a　profession　so　we　can　work　for　money；　but　failed　to　teach　us　how　to　have　money　work　for　us。　It　taught　us　not　to　worry　about　our　financial　future；　our　pany　or　the　government　would　take　care　of　us　when　our　working　days　are　over。　However；　it　is　our　children；　educated　in　the　same　school　system；　who　will　end　up　paying　for　it。　The　message　is　still　to　work　hard；　earn　money　and　spend　it；　and　when　we　run　short；　we　can　always　borrow　more。
Unfortunately；　90　percent　of　the　Western　world　subscribes　to　the　above　dogma；　simply　because　it's　easier　to　find　a　job　and　work　for　money。　If　you　are　not　one　of　the　masses；　I　offer　you　the　following　ten　steps　to　awaken　your　financial　genius。　I　simply　offer　you　the　steps　I　have　personally　followed。　　If　you　want　to　follow　some　of　them；　great。　If　you　don't；　make　up　your　own。　Your　financial　genius　is　smart　enough　to　develop　its　own　list。
While　in　Peru；　with　a　gold　miner　of　45　years；　I　asked　him　how　he　was　so　confident　about　finding　a　gold　mine。　He　replied；　〃There　is　gold　everywhere。　Most　people　are　not　trained　to　see　it。〃
And　I　would　say　that　is　true。　In　real　estate；　I　can　go　out　and　in　a　day　e　up　with　four　or　five　great　potential　deals；　while　the　average　person　will　go　out　and　find　nothing。　　Even　looking　in　the　same　neighborhood。　The　reason　is　they　have　not　taken　the　time　to　develop　their　financial　genius。
I　offer　you　the　following　ten　steps　as　a　process　to　develop　your　God…given　powers。　Powers　only　you　have　control　over。

1。　　I　NEED　A　REASON　GREATER　THAN　REALITY：　The　power　of　spirit。　　If　you　ask　most　people　if　they　would　like　to　be　rich　or　financially　free；　they　would　say　〃yes。〃　But　then　reality　sets　in。　The　road　seems　too　long　with　too　many　hills　to　climb。　It's　easier　to　　　　　just　work　for　money　and　hand　the　excess　over　to　your　broker。　I　once　met　a　young　woman　who　had　dreams　of　swimming　for　the　U。S　Olympic　team。　The　reality　was；　she　had　to　get　up　every　morning　at　4　a。m。　to　swim　for　three　hours　before　going　to　school。　She　did　not　party　with　her　friends　on　Saturday　night。　　She　had　to　study　and　keep　her　grades　up；　just　like　everyone　else。
When　I　asked　her　what　pelled　her　with　such　super…human　ambition　and　sacrifice；　she　simply　said；　〃I　do　it　for　myself　and　the　people　I　love。　It's　love　that　gets　me　over　the　hurdles　and　sacrifices。〃
A　reason　or　a　purpose　is　a　bination　of　〃wants〃　and　〃don't　wants。〃　When　people　ask　me　what　my　reason　for　wanting　to　be　rich　is；　it　is　a　bination　of　deep　emotional　〃wants〃　and　〃don't　wants。〃
I　will　list　a　few。　First　the　〃don't　wants；〃　for　they　create　the　〃wants。〃　I　don't　want　to　work　all　my　life。　　I　don't　want　what　my　parents　aspired　for；　which　was　job　security　and　a　house　in　the　suburbs。　　I　don't　like　being　an　employee。　I　hated　that　my　dad　always　missed　my　football　games　because　he　was　so　busy　working　on　his　career。　　I　hated　it　when　my　dad　worked　hard　all　his　life　and　the　government　took　most　of　what　he　worked　for　at　his　death。　He　could　not　even　pass　on　what　he　worked　so　hard　for　when　he　died。　The　rich　don't　do　that。