ملخص وإنفوجرافيك الأب الغني والأب الفقير | روبرت كيوساكي
Chapter by Chapter Summary of Rich Dad Poor Dad: What The Rich Teach Their Kids About Money That the Poor and Middle Class Do Not!
الحياة مشغولة لديها الأب الغني الأب الفقير كان يجمع الغبار على رف كتبك؟ بدلاً من ذلك، التقط الأفكار الرئيسية الآن.
We’re scratching the surface in this Rich Dad Poor Dad summary. If you don’t already have Robert Kiyosaki’s book, order it هنا أو احصل على الكتاب الصوتي مجاناً لمعرفة التفاصيل المثيرة
Editor’s Note: This article was first published in 2020. It was updated on 18/2/2022.
تنويه: هذا ملخص وتحليل غير رسمي.
Robert Kiyosaki’s Perspective
روبرت كيوساكي is an American businessman who founded Rich Global LLC and the Rich Dad Company. The latter focuses on private financial education through the mediums of books, videos, and speeches. He is also the author of over 26 books, including the best-seller Rich Dad Poor Dad (which sold over 41 million copies worldwide).
Synopsis of Rich Dad Poor Dad
الأب الغني الأب الفقير has been called the number one personal finance book of all time. Robert Kiyosaki illustrates the mindsets and beliefs that define those who become wealthy. He contrasts these mindsets with those who are poor. In this book, Robert’s example of a poor man was his dad, while the rich man was Robert’s financial mentor. Robert’s father was a genius, while his mentor didn’t even finish eighth grade. The only meaningful difference was their mindset.
Rich Dad Poor Dad Audiobook Summary
StoryShot #1 – We All Need Financial Education
Financial literacy is extremely rare. The vast majority of students will leave school with zero financial skills. They will have developed knowledge that will help them pursue a specific profession but won’t know how to keep the money they make. They will have learned how to make some money but have no idea how to spend their money. Earning money only amplifies the cash flow pattern in your head. Financial literacy helps you control this cash flow pattern.
StoryShot #2 – The Difference Between the Rich and Poor
Robert starts the book by describing the main difference between the rich and the poor. Both poor and middle-class people work for their money. The rich have their money work for them.
The non-rich will always seek out the conventional methods of making money. They will study hard, get good grades, and then get a safe job with safe benefits. The reason most people choose this path is they are fearful of being without money. This desire to obtain a paycheck is then swiftly replaced with a desire to spend what they have worked for. Even when these individuals gain a bonus or raise at work, they will respond by spending more money. These people see joy as coming from money, but this joy is short-lived. So, they keep working to meet their desires and to squash their fears. Robert recommends you step back and forget about paychecks. Start thinking about innovation. Most people are stuck in the rat race and miss clear opportunities. If you are willing to step back, you can take opportunities and make far more money. Robert explains that investing your time into creating assets that generate money is far safer.
StoryShot #3 – Change Yourself
Robert highlights it is vital we learn it is easier to change ourselves than those around us. So, instead of blaming other people for not being rich, you have to accept that you are the problem. If you realize you’re the problem, you can change yourself, learn something, and grow wiser.
Learning will take a combination of energy, passion, and desire. That said, you will also need to harness anger positively. Robert describes anger as extremely important, as passion is merely a combination of love and anger. We must be directed by passion rather than fear.
StoryShot #4 – Use Accounting to Keep Your Money
Most people believe that making money is the most effective way of becoming rich. Although you need to earn money, it is more important to know how to keep your money. Wealth is not net worth. Wealth is the number of days you could survive if you stopped working today.
Accounting is not the most stimulating subject. That said, Robert believes it is the most important subject if you want to be rich. The first and most important lesson is you must understand the difference between an asset and a liability. Assets are the things that you want to be buying. Rich people are those that acquire assets, while poor people are those who acquire liabilities. An asset is something that puts money in your pocket. A liability is something that takes money out of your pocket. Many people view buying a house as buying an asset. But, there are many liabilities associated with a house: mortgage payments, insurance, property taxes, and substantial amounts of money stuck in a house. So, we should view a house as a liability. Identify assets that can be bought to cover the liabilities associated with a house.
StoryShot #5 – How Taxes Have Benefited the Rich
Today, the rich are playing a smarter game. They are legally avoiding taxes, while the middle-class is paying for most of the government’s spending. Historically, taxes were voted in by the poor and middle-class to only tax the rich. Instead of punishing the rich, taxes are punishing the poor and middle-class. Once the government got a taste of money, their appetite grew. The problem was that the government’s appetite for money was so great that taxes soon needed to be levied on the middle class. From there, it trickled down.
One crucial tax tool utilized by the rich is the 1031. The 1031 is also called the “like-kind” exchange. The like-kind exchange allows you to defer paying capital gains taxes on the sale of real estate. You can do this by using the proceeds of the sale to buy another piece of real estate. Additionally, corporations allow you to set up separate assets that generate income. The key here is that while an individual is taxed before expenses, a corporation is taxed after expenses. This simple rule means that you can legally write off vacations, car expenses, health club memberships, and restaurant meals. The poor are paying taxes and then spending. The rich are spending money and then paying taxes.
The rich have outsmarted the intellectuals. They have learned how to avoid tax legally. This is only possible because the rich are financially educated. Finance is not taught in schools, so the average intellectual doesn’t understand how the rich are avoiding tax. Rather than letting the government punish them, the rich react to tax laws that are put in place.
Here are the four fundamentals of financial literacy provided by Robert:
1. Accounting – The ability to read and understand financial statements.
2. Investing – The science of money making money; creativity combined with strategy and formulas.
3. Understanding markets – The science of supply and demand; technical (emotion-driven) and fundamental (economic sense) investments.
4. Law – Understanding taxes and avoiding lawsuits.
StoryShot #6 – Don’t Confuse Your Profession With Your Business
Most people work for everyone else but themselves. They work first for the company owners, then for the government through taxes, and finally for the bank that owns their mortgage.
The poor and middle class spend most of their time and energy working for other people. The average American works five or six months out of the year just covering the taxes they pay to the government.
Don’t confuse your profession with your business, in other words, your asset column. The traditional school and job path is generally a necessary thing. The problem is you usually become what you study. Focus on your asset column rather than the asset column associated with your subject. You can keep your day job and put your money into assets. The assets you can utilize while working a job are stocks, bonds, mutual funds, rental properties, notes, and intellectual property royalties. Once a dollar is in your asset column, never take it out. When you want to buy a liability, first buy an asset that generates enough cash to cover it.
StoryShot #7 – Your Mind Is Your Most Valuable Asset
Three hundred years ago, the land was how we defined wealth. During the Industrial Revolution, the industrialists owned wealth. Today, wealth is information.
Poor people often complain they don’t have enough money to take advantage of the deals they see. They only see working hard, saving, and borrowing as their viable approaches. The rich know that their mind is their most valuable asset.
Most people buy packaged investments from real estate companies, stockbrokers, etc. The rich create investments by assembling a deal themselves. To do this, you need to develop three skills:
- How to find an opportunity that everyone else has missed
- How to raise money
- How to organize intelligent people
You’ll have to take risks. Suppose you are informed and understand an investment. In that case, it’s not as risky as it would be to someone who is merely rolling the dice and praying.
StoryShot #8 – Become a Generalist Rather Than a Specialist
The author urges young people to “seek work for what they will learn, more than what they will earn.” Aim to learn a little about a lot instead of seeking a specialization. Specialization is for employment, not for being rich. Take the jobs that will provide you with vital skills for managing cash flow, systems, and people. The author recommends you find jobs that develop your communication, sales, and marketing skills. These skills perfectly complement other skills and are each necessary for creating wealth.
StoryShot #9 – The Asset Columns of the Financially Literate
Robert lists the five reasons that even financially literate people may not develop their asset columns:
1. Fear – Specifically, the fear of losing money. People who make money are not afraid to lose it. The rich do not build their wealth steadily through never losing money. They learn how to limit their losses and turn those losses into opportunities.
2. Cynicism – Cynicism comes from unchecked doubt and fear, and it is expensive. A cynic will always have an excuse for why something is impossible. They criticize instead of analyzing. For example, people who don’t want to invest in real estate will say, “I don’t want to fix toilets.” Rich dad would buy a property at a price that would allow him to hire a property manager and maintain positive cash flow.
3. Laziness – Usually, the laziest people are the ones who are busy. People stay busy to avoid problems they don’t want to face or avoid the work necessary to develop the ability to become rich. Rich people have a desire that overcomes their laziness.
4. Bad habits – Our lives are more a reflection of our habits than our education. As an overriding rule, the author insists you “pay yourself first.” Take care of yourself first – physically, mentally, and financially – instead of first paying your boss, tax collector, or landlord.
5. Arrogance – The author defines arrogance as ego plus ignorance. The solution is straightforward: financial education.
الملخص النهائي والمراجعة
أخيرًا، يصف روبرت كيف يمكنك البدء في رحلتك نحو التعليم المالي والثروة.
1. لديك سبب أكبر من الواقع: يجب أن يكون لديك سبب يجعلك تريد أن تصبح غنياً. أن تكون ثريًا من أجل ذلك لن يحميك من حقائق الحياة القاسية. تحديد هذا السبب يبدأ بمعرفة ما لا تريده (على سبيل المثال، العمل طوال حياتك، وما إلى ذلك) وما تريده.
2. اختر يوميًا: كل يوم وكل دولار هو خيار أن تكون غنيًا أو فقيرًا. سوف تعكس عادات الإنفاق لدينا هويتنا (وليس العكس).
3. اختر أصدقاءك بعناية: لا تختار أصدقاءك بناءً على مقدار المال الذي يملكونه. ومع ذلك، يجب أن تكون حذرًا بشأن التواجد حول المتهكمين أو الأشخاص الذين لا يحبون التحدث عن المال. سوف يفركون عليك. ابذل قصارى جهدك للتعلم من الأشخاص الذين يدعمونك ويعلمونك ويجعلونك شخصًا أفضل. أحط نفسك بأشخاص متعلمين ماليا.
4. أتقن صيغة ثم تعلم واحدة جديدة: يتوقف معظم الناس عند الصيغة الأساسية المتمثلة في "اعمل بجد، وادفع فواتيرك، وادخر للتقاعد". يجب عليك أيضًا أن تتعلم طرقًا جديدة للقيام بالأشياء. على سبيل المثال، يجب أن تتعلم كيفية الاستثمار في حبس الرهن. ضع هذا موضع التنفيذ وأتقن هذه الطريقة لكسب المال قبل الانتقال إلى نهج آخر. هناك مهارتان يجب تعلمهما هنا. أولاً، القدرة على توسيع عقلك لتعلم صيغ أخرى مدرة للدخل. ثانيًا، الانضباط لوضع كل منها موضع التنفيذ قبل المضي قدمًا.
5. ادفع لنفسك أولاً: إذا لم تفعل هذا، فلن تجد شيئًا لتدفعه لنفسك. وهذا تحول أساسي في العقلية.
6. ادفع جيدًا للوسطاء: يشمل ذلك جميع المحترفين الذين تعتمد عليهم. اختر فقط المحترفين الذين تدر خدماتهم عليك المال (أو توفر لك المال)، وادفع لهم جيدًا. هذا جزء من تنمية عمود الأصول الخاص بك.
7. كن "مانحًا هنديًا": السؤال الأول للمستثمر المتطور دائمًا هو: "ما مدى سرعة استرداد أموالي؟" تأكد من أن لديك اتجاهًا صعوديًا كبيرًا مع الحد من الجانب السلبي. لا تأخذ في الاعتبار عائد الاستثمار فحسب، بل أيضًا الأصول التي تحصل عليها مجانًا عندما تسترد أموالك.
8. الأصول تشتري الكماليات: لا تشتري الكماليات حتى تقوم بإنشاء أصول تدفع ثمنها.
9. الحاجة إلى الأبطال: ابحث عن أبطال الاستثمار الذين يجعلون الأمر يبدو سهلاً. تقليدهم والاستلهام منهم.
10. علموا وستأخذوا: كلما علمت الناس أكثر، كلما تعلمت أكثر. وينطبق هذا المبدأ في أماكن أخرى من الحياة. ستجد أن الأشياء تأتي إليك بسهولة أكبر إذا أعطيتها أولاً.
11. توقف عن فعل ما تفعله: خذ قسطًا من الراحة وفكر فيما يناسبك وما لا يناسبك.
12. ابحث عن أفكار جديدة: اقرأ كتباً في مواضيع مختلفة وتعلم منها.
13. ابحث عن شخص نجح فيما تريد أن تفعله: أحط نفسك بأشخاص على دراية بالنجاح في مجالك.
14. كن على استعداد للتعلم: حاول أن تكون عكس المتكبر. تعلم كل مهارة يمكنك. لا تفترض أبدًا أنك على دراية كافية بموضوع ما.
15. قدم الكثير من العروض: أنت لا تعرف أبدًا العرض الذي سيتم قبوله. كلما زادت العروض التي تقدمها، زادت احتمالية حصولك على صفقة رائعة. الرفض هو دائمًا جزء من العملية.
16. ابدأ بالبحث عن المشترين ثم البائعين: هذه نصيحة لتجميع الصفقة. تريد أن تعرف أنه سيكون هناك مشترين بمجرد أن تقرر بيع منتج ما. بمجرد تحديد ذلك، يمكنك البحث عن بائعي هذا المنتج.
17. تعلم من التاريخ: ادرس الناجحين من الماضي وقم بتقليدهم.
18. العمل يتغلب دائمًا على التقاعس عن العمل: إذا لم تكن متأكدًا مما يجب عليك فعله، فيجب عليك القيام به فقط. العمل غير الكامل أفضل من عدم العمل الكامل.
التقييم
نحن نقيم الأب الغني والأب الفقير بـ 4.3/5.
إنفوجرافيك
احصل على النسخة الكاملة من ملخص ومخطط المعلومات البياني Rich Dad Poor Dad على تطبيق ستوري شوتس
Rich Dad Poor Dad PDF, Free Audiobook and Animated Book Summary
وكان هذا غيض من فيض. للتعمق في التفاصيل ودعم روبرت كيوساكي، اطلب الأب الغني الأب الفقير أو احصل على الكتاب الصوتي مجاناً على أمازون
هل أعجبتك الدروس التي تعلمتها هنا؟ قم بالتعليق أدناه أو شارك لإظهار اهتمامك.
هل أنت جديد في StoryShots؟ احصل على نسخة PDF وإصدارات صوتية وصور متحركة مجانية من هذا التحليل وملخص كتاب Rich Dad Poor Dad ومئات الكتب غير الخيالية الأكثر مبيعًا في موقعنا. تطبيق مجاني من أفضل التطبيقات المجانية وقد اختارته كل من Apple وThe Guardian وThe UN وGoogle كأحد أفضل تطبيقات القراءة والتعلم في العالم.
ملخصات الكتب ذات الصلة
رباعي التدفق النقدي لريتش داد بقلم روبرت كيوساكي
أعمال القرن الحادي والعشرين بقلم روبرت كيوساكي
المستثمر الذكي بقلم بنجامين غراهام
سأعلمك أن تكون غنياً بقلم راميت سيثي
كيف تصبح ثرياً بقلم نافال رافيكانت
لمسة ميداس بقلم روبرت كيوساكي ودونالد ترامب
فكر وازداد ثراءً بقلم نابليون هيل
ملاك بقلم جيسون كالاكانيس
تحويل الأموال بالكامل بقلم ديف رامزي
المليونير السريع بقلم م. ج. ديماركو
جيد جدا.
كان المفضل لدي هو العمل من أجل المهارة، وليس من أجل المال. يتردد صداها تماما معي!
وقم بتوليد الأصول التي تسدد التزاماتك. فكر عظمى آخر.
شكرا لتقاسم أفكارك!
شكراً لتعليقك!
شكرًا!
على الرحب والسعة. شكرا لقراءة المحتوى لدينا!
انت مرحب بك. شكرا لك على تعليقك!