Name: 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)
Uploaded: 2021-07-11T21:01:30.000Z
Duration: 8 min 8 s

頻率副詞

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。他有兩個父親。一個有博士學位，另一個沒讀完八年級。

未來簡單式

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

兩人都有豐厚的收入，但其中一個總是在財務上掙扎，而另一個將成為夏威夷最富有的人之一。

現在進行式

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

一個死後會給家人留下數千萬美元。

The other is going to leave bills to be paid.

另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.

財務教育的問題在於，學校不教授金融知識，所以這家人決定教授它。

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 they’re teaching, and they don’t read books like Rich Dad Poor Dad.

問題是，除非你的父母是最富有的1%，否則他們會教你如何變窮，不是因為他們不愛你，他們只是不知道他們在教什麼，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.

我的故事非常相似。我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.

當時我去了空軍學院學習經濟學，上了會計和投資課程。

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

我對經濟數據做了複雜的回歸分析，平衡了複雜的資產負債表。

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，與上了四年復雜的課程相比，讀過清崎的一本書，我就得到了更實用的建議。

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

我從來沒有富爸爸，但現在我有很多富爸爸了。克拉森，清崎，希爾，德馬科，還有很多

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1%的富人階層，讓我們向清崎學習，他向他的富爸爸學習。

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

你必須知道這兩個詞: 資產和負債。

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

現在忘掉你在會計課上學到的東西，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.

資產是任何能把錢放進你口袋裡的東西。負債是任何從你口袋裡拿走錢的東西。

任何東西都可以是資產，也可以是負債。

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

如果你有一棟房子．它每月會花掉你 1000美元，那麼它就是負債。

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

如果你擁有一棟房子，每月能賺入 1000 美元，那麼它就是資產。

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

資產包括公司、房地產、證券、股票、債券之類的東西。這就是為什麼了解這種區別如此重要的原因。

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.

試著把注意力集中在這上面。窮人只有開支，富人購買資產，中產階級購買他們認為是資產的負債。

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.

畢業後如果我聽從每個人的建議，我就能找到一份能增加收入的工作，但這其中有著許多問題。

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.

當我得到了工作，我的女朋友和我就會搬進一個更大的房子，除了我們的野馬，我們還會得到一輛寶馬。我會買iPhone 6。

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

所有這些的問題是，我會認為我是在獲得資產，而實際上我是在獲得負債

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

我每個月都要為房子、汽車和昂貴的手機付費。

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.

本質上，除非你改變花錢的方式，也就是購買實際資產，無論你從工作中獲得多少收入，你都只夠讓你的收入與負債和支出一樣。

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

你的朋友們可能會羨慕你的 iPhone6 。你或許看起來很有錢，但你永遠不會真正真正富有。

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

現在有份工作並沒有什麼錯。我只是沒工作，因為我是從資產象限運營的。

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

但是，如果你遵循的是上學和找工作的敘事規範，那麼很有可能你得到的是你認為是資產的負債

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.

這便是問題所在。所以繼續你的工作，但要確保你賺的錢大部分都花在了實際資產上，而不是看起來像資產的負債上。

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

是的，當你最終獲得足夠的資產時，你便不再需要你的工作了。

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.

人們說，如果我在生意上，或者房地產上，或者紙面資產上虧損了怎麼辦，這讓我很震驚。

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.

他們不會說他們買的第二台大電視在一年內就會變得一文不值，而且每個月都會造成負債。

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

我寧願在創業時傾家蕩產也不願再買一台我不需要的電視機。

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

即使我失去了所有的錢，從創業中學到的經驗也比看《菲爾博士》(美國電視節目主持人) 更有價值。

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

這裡還有一個問題。重要的不是你賺了多少錢，而是你存了多少錢。

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.

如果我告訴你我會每月付給你100萬美元，然後我拿走了99萬9999美元，如果你說你賺了100萬，那你就是個白痴。

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.

然而醫生將其收入的一半甚至更多支付給政府。

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，你猜怎麼著，你死的時候還要交稅。

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

另一方面，你可以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.

我有一些醫生朋友，他們在財務上比我那些破產的朋友更焦慮。

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

這裡是稅收的簡短歷史。許多年前，英國和美國都沒有稅收。

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

我很驚訝為什麼這麼多人沒有意識到這一點。

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

政府有時會在內戰和極端情況下徵稅，但實際上並沒有徵稅。

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

政府意識到窮人和中產階級是蠢人。

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

大眾崇拜著羅賓漢的愚蠢故事，實際上也很佩服。

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.

所以政府決定利用這一點，說道：「我們來向富人徵稅，這樣你們這些笨蛋就可以從他們那邊得到錢。」

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

當然所有的傻子們都同意並投下贊成票。

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

問題是政府的貪婪越來越大，直到稅收滲透到每個人，包括窮人。

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

但富人並不不在乎。他們比小羅賓漢聰明許多。

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

他們很容易就找到了避免自己辛苦掙來的錢被搶走的方法。

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.

這就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.

如果你認為我在貧困中辛苦工作了20年，是為了有一天能來到另一個共產主義國家，那你一定是瘋了。

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.

如果你認為我被把我用血汗掙來的一半以上的錢分給那些成天坐著看電視，還想從政府那邊拿取救濟金的人，好讓政府再度當選，那你一定是瘋了。

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，根本不會這麼做。沒錯，我會買我的 BMW，但我是為我的公司買它。

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.

當窮人想到企業的時候，他們會想到一棟棟建築。但實際上，企業只是裝滿文件的文件夾，一個裝滿能讓有錢人支付所有的費用並最終繳稅的文件的文件夾。

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。稅制總是落在中產階級和上層中產階級身上，他們是工作最努力的人，要為那些一手拿著薯片，一手拿著遙控器的人的福利買單。