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  • Here’s little Robert Kiyosaki. He has two fathers. One of them has a Ph.D., the other never finished 8th grade.

    這是小羅伯特.清崎。他有兩個爸爸.一個擁有博士學位,另一個爸爸則在8年級時便輟學了。

  • Both earn substantial incomes, yet one always struggles financially, while the other is going to become one of the richest men in Hawaii.

    兩人都有豐富的收入,然而一個卻陷入財務泥沼,另一個卻將成為夏威夷最富有的人之一 。

  • One is going to die leaving tens of millions of dollars to his family.

    一個將會留下數以百萬計的遺產給家人。

  • The other is going to leave bills to be paid.

    另外一個則會留下許多待繳的帳單。

  • The problem with financial education is that it isn’t taught in schools, so the family decides to teach it.

    財務教育的問題出在它並沒有在學校內教授,所以這家人決定跳出來傾囊相授。

  • Now, the problem with this is that unless your parents are in the top 1%, they are going to teach you how to be poor, not because they don’t love you, they just don’t know what theyre teaching, and they don’t read books like Rich Dad Poor Dad.

    除非你的父母是前1%的有錢人,否則他們將會教你如何變窮。這不是因為他們不愛你,他們只是不知道他們到底在教什麼。他們並不會閱讀像《富爸爸,窮爸爸》這類的書籍 。

  • My story is very similar. I was taught how to be poor.

    我成長自類似的背景.曾被教導如何成為窮人。

  • Then I went to the Air Force Academy and studied economics and took accounting and investing classes.

    我曾進入空軍學院並研讀經濟,上過會計與投資課程。

  • I did complicated regressions on economic data and balanced complex balance sheets.

    我用複雜的回歸分析法,來處理經濟資料及資產負債表。

  • Yet, I have received more pragmatic advice by reading a single book from Kiyosaki, than I did by taking four years of complicated classes.

    然而,我從清崎的書中得到的務實建議,卻勝過我上過的四年複雜課程。

  • I've never had a rich dad, but I have many rich dads now. Clason, Kiyosaki, Hill, DeMarco, the list goes on.

    我之前從沒有個富爸爸,但我現在有許多個了:克拉森、清崎、希爾、德馬克,不勝枚舉。

  • So if you weren’t born into the top 1%, let’s learn from Kiyosaki who learned from his rich dad.

    所以如果你不是出生在前 1% 有錢的家庭,那就學學清崎,學學他從他的富爸爸那學到的東西吧。

  • You have to know these two words: assets and liabilities.

    你得知道這兩個詞 : 資產及負債。

  • Now forget what you might have learned in your accounting classes, we are going to define them in very simple terms.

    現在請你忘記你在會計課所學過的,我們將用非常簡單的詞語來定義它們。

  • An asset is anything that puts money in your pocket. A liability is anything that takes money away from your pocket.

    資產就是能讓你口袋滿滿的東西,而負債則是會讓你口袋空空的東西。

  • Anything can be an asset or a liability.

    任何事物都可以是資產或是負債。

  • If you own a house and it eats a $1000 a month, then it’s a liability.

    如果你有一個房子.每月會花費你 1000美金,那它就是負債。

  • If you own a house and it brings in a $1000 a month, then it’s an asset.

    如果你有一個房子,每月會為你賺入 1000 美金,那它就是資產。

  • Assets are things like businesses, real estate, paper assets, things like stocks and bonds. Here is why knowing this distinction is so important.

    屬於資產的東西有:公司、房地產、證券如股票、債券等。接下來我要說明為何了解這分別如此重要。

  • Really try to focus on this. The poor only have expenses, the rich buy assets, and the middle class buy liabilities that they think are assets.

    請試著專心在這點上。窮人花錢,富人買資產,中產階級買他們以為是資產的負債。

  • After graduating if I had followed everybody’s advice, I would have gotten a job which increases my income, but there are so many problems with that.

    如果我畢業後,遵從大家的建議,我可能會得到一份能提高我收入的工作,但這其中隱含著許多問題。

  • As I got my job, my girlfriend and I would have moved into a bigger house, we would have gotten a BMW in addition to our Mustang. I would have bought the iPhone 6.

    我有工作的話,我跟我女朋友就會換到一個更大的房子,儘管有了台福特野馬,我們可能再買台 BMW,我也可能會買台 iPhone6。

  • The problem with all of this is that I would think I was acquiring assets while I was actually acquiring liabilities.

    問題出在於我可能會認為我是在添購資產,實際上卻是在增添負債。

  • I would have to pay every month for the house, for the car, for my expensive phone.

    我得每個月支付房子、車子及我昂貴手機的開支。

  • In essence, unless you make a paradigm shift about what you do with your money, which is to buy actual assets, no matter how much income you earn from your job, you will just match it with your liabilities and expenses.

    總而言之,除非你能改變處理錢的方式,也就是購買真正的資產,否則不論你的工作為你帶來多少收入,都只夠打平你的開銷與負債。

  • Your friends might admire your iPhone 6, and you might look rich but you will never actually be rich.

    你的朋友們或許會羨慕你的 iPhone6 。你或許會看起來很有錢,但實際上你永遠不會真正變得有錢。

  • Now there is nothing wrong with having your job. I just don’t have one, because I’m operating from the assets quadrant.

    有個工作並沒有什麼錯,我只是因主要為在資產的象限進行操作所以沒有工作而已。

  • But, if you are following the standard narrative of going to school and getting a job, chances are youre acquiring liabilities which you think are assets.

    但如果你照著像是去上學找著工作這種標準藍圖生活的話,你可能在增加看似為資產的負債。

  • That is the problem. So keep your job, but make sure what you earn goes mostly towards real assets, rather than liabilities that seem like assets.

    而這便是問題所在。所以繼續保留你的工作,但要確保你的收入流向實質的資產,而不是看似為資產的負債。

  • And yes, eventually when you acquire enough assets, you won’t need your job either.

    當你最終獲得足夠的資產後,便不再需要繼續工作了。

  • It absolutely blows my mind how people say, well what if I lose money with the business, or the real estate, or the paper assets.

    當我聽到人們說萬一投資企業、房地產、證券失利這種話時,總是讓我驚訝得無所適從。

  • They don’t say the same thing about buying their second enormous TV which will be worthless in a year, and which creates a liability every month.

    他們反而不會擔心買隔年就會折舊,且每月產生負債的第二台大型電視。

  • I would rather lose all of my money starting a business than lose it by buying yet another TV I don’t need.

    我寧可把我所有的錢投資在創業,也不願買另一台我不需要的電視。

  • Even if I lost all my money, the lessons learned from starting a business would be infinitely more valuable than watching Dr. Phil.

    即便我損失了所有的錢,我從創業中學到的東西絕對會比看菲爾博士 (美國電視節目主持人) 來的更有價值。

  • Here is another problem. It’s not how much money you make, it’s how much money you keep.

    另一個問題在於,重點不是你賺了多少錢,而是你能留住多少錢。

  • If I told you I was going to pay you a million dollars a month, but then I took away $999,999, you’d have to be an idiot if you said you were making a million.

    如果我跟你說我每個月會付給你一百萬美元,但是我會拿走其中的 99 萬 9999 元,除非你是個白癡你才會覺得自己月收百萬。

  • My dad told me become a doctor and you will be rich.

    我爸曾跟我說,當上醫生之後你就會變得富有。

  • Yet a doctor pays a half or even more of what he earns just to the government.

    然而醫生其實要把過半的收入繳給政府。

  • You get taxed when you earn, you get taxed when you spend, you get taxed when you save, and guess what, you get taxed when you die.

    你賺錢的時候要繳稅、花錢的時候也要繳稅、你存錢也要繳稅,甚至連死了也要繳稅。

  • On the other hand, you can operate from the assets quadrant and pay sometimes 0% in taxes.

    但如果你在資產的象限裡操作,有時根本不用繳稅。

  • I have doctor friends who are more financially anxious than my absolutely broke friends.

    我有些醫生朋友,他們比我那些貧窮至極的朋友還更加對財務感到焦慮。

  • Here is a short history of taxation. Years ago, there was no tax in Great Britain or in the United States.

    以下是稅制的簡史。多年前,英國及美國都是沒有稅制的。

  • It amazes me how so many people don’t realize this.

    我很訝異許多人都沒有注意到這點。

  • The government would sometimes collect tax during civil wars and extreme cases, but there was no actual tax.

    雖然政府偶爾會在內戰及極端情況下徵稅,但並沒有實際上的稅制。

  • Well, the government realized that the poor and the middle class were idiots.

    但後來政府體認到中產階級跟窮人是傻子。

  • The masses looked up to the idiotic story of Robin Hood and actually admired it.

    大眾景仰著愚蠢的羅賓漢故事。

  • So, the government decided it was going to leverage that. It said, hey guys let’s put a tax on the rich, so you idiots can get money from them.

    所以政府決定以此大作文章,向大眾說道:「我們來向有錢人徵稅吧!這樣你們這些傻子就可以從他們那邊得到錢了。」

  • Well of course all the idiots agreed and voted for it.

    傻子們理所當然同意並投下贊成票。

  • The problem is that the government’s greed grew bigger and bigger until the taxation trickled down to everyone including the poor.

    問題在於政府越發貪婪,直到所有人,包括窮人都被稅制涵蓋了為止。

  • But the rich didn’t care. They were too smart for little Robin Hood.

    但是有錢人並不把這當一回事。他們比小羅賓漢聰明許多。

  • They easily found ways to avoid being robbed of their hard earned money.

    他們輕而易舉地找到不會被搶走血汗錢的方法。

  • So it actually hurt the idiots in the end, the poor and the middle class.

    所以到頭來,損失的是窮人及中產階級的那些傻子。

  • That is why Warren Buffett pays lower tax rate than his secretary.

    這也是為什麼華倫.巴菲特繳的稅率比他秘書還低。

  • I was born in 1992, in the Republic of Georgia right after the breakup of the Soviet Union.

    我出生在 1992 年剛脫離蘇聯的喬治亞共和國。

  • If you think I worked my ass off in poverty for two decades, so one day I could come to another communist state, you must be out of your mind.

    如果你認為我在窮困的生活裡拼死拼活超過 20 年後,是為了有天能來到另一個共產的國家,你肯定是瘋了。

  • You must be out of your mind if you think I’m going to share over half of what I earn with blood and sweat with people who want to sit on their ass and watch TV all day and collect the benefits the government hands out to them, so they can get reelected.

    你肯定是精神失常才會認為我會把我一半以上的血汗錢,分給那些想整天坐在電視機前,從政府那邊拿好處的人們,好讓政府再度當選。

  • The rich are too smart for this. Yes, I am going to buy my BMW, I’m just going to buy it for my corporation.

    有錢人太聰明了,根本不會信這套。沒錯,我會買我的 BMW,但是會放在公司的名下。

  • A poor person thinks of a bunch of buildings when he thinks of a corporation when in reality, it’s really a folder full of papers, a folder full of papers that allows the rich to make all the expenses and then pay the taxes at the end.

    當窮人想到企業,他們會想到一棟棟建築。但實際上,企業只是一大疊紙,能夠讓有錢人支出開銷後再繳稅的一疊紙。

  • So the rich will never actually be affected by any of this. It will always come down to the middle and the upper middle class, the people who work the hardest, to pay for the benefits of the person with a bag of chips in one hand, and a remote in the other.

    所以有錢人都不會被稅制影響。到最後這都只會反咬那些努力工作的中產、中上階級們一口,讓他們得為了那些一手拿洋芋片,另一手拿遙控器的人們的福利而付出血汗。

Here’s little Robert Kiyosaki. He has two fathers. One of them has a Ph.D., the other never finished 8th grade.

這是小羅伯特.清崎。他有兩個爸爸.一個擁有博士學位,另一個爸爸則在8年級時便輟學了。

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A2 初級 中文 美國腔 資產 負債 稅制 窮人 有錢人 爸爸

如何變有錢?「富爸爸窮爸爸」重點式動畫 (HOW TO GET RICH - RICH DAD POOR DAD BY ROBERT KIYOSAKI ANIMATED BOOK REVIEW)

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    Jean Fang 發佈於 2021 年 07 月 11 日
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