Money can't make you rich
Publisher: Gong Jianhui author: Robert. Qingqi Source: World Lecture Hall Published: 2004-12-17 18: 22: 54.967
【Abstract】 Money does not necessarily make us get rich, but the key to us to get rich should be a good financial knowledge.
Money can't make your host: will be the top of the top, a list of small mountains, a century lecture hall greeting you. In the 1980s, we first heard a word called IQ. It is said that it is an important parameter that measure our intellectual level. In the 1990s, we have heard a word, called verse business, and it is said to master a good business. You can control your emotions or control your own people. In the twenty-first century, we wrote this book by Mr. Robert T · Yichi, who investigated Robert T, Yichi, and knows another new vocabulary, called the wealth of Financial IQ. It is said that it is said to master the business. You can control your finance. Today, I invited Mr. Robert to our site. Please bring us a report. The name of this report is called, and money may not make you rich, good, have Mr. Robert. Please sit well, we start. Many people tell me that you are Americans, but I see how you grow like a Japanese? Robert: I am the fourth-generation Japanese, I don't say Japanese. I just speak English. Moderator: You don't say Japanese, is your grandfather and your father feel not sad? Robert: No, they don't say Japanese, they are the second generation, the third generation, the fourth generation, and don't say Japanese. Moderator: I know that there are many Chinese people living in the United States, even if they are born, they are already the seventh generation, the eighth generation Chinese, they are when they dig Tang Mountain, but they will also say it now. Chinese, if his child does not say Chinese, the father will be sad. Robert: Yes. When people around you don't say a language, you can't learn this language. If I live in China, I will definitely learn Chinese. But if I didn't say anything, I forgot. Moderator: Ok, I think so, it is definitely the time of the war of invading 50 years ago, no one in your ancestors came to China. Robert: No, 50 years ago, I have seven uncles, they participated in the Second World War, five people in Europe, two people play Japan in the Pacific region, one of which is caught by the Japanese, They don't like this war. Moderator: Ok, I know that you didn't play China, so I can now hold hands with you in peace. Ok, what you brought to us is about wealth, then I want to ask you, do you have no company, how is it? Is there a successful and failed lesson? Robert: Now I have seven companies, three are listed companies, and Daddy Dad is a real story. I have participated in the gang, when I came back from the battlefield, I decided to follow my father, not poor father. My poor father wants to be a teacher, and the father is going to become a rich, so after 1974, I decided to study my father, becoming an entrepreneur, just like Bill Gates and Mac. Dell. I opened my own company in my 20s, and I quickly succeeded. I became a millionaire when I was in my twenties, but I lost all the money when I was in my twenties. That is, I also have a lesson of failure. If someone says that I don't know the taste of poverty, they are wrong, in fact, I know, I really know. I also have an experience of tens of millions of dollars in debts.
I want to say to everyone, my poor father thinks that I fail, my father is saying that this is good, because I learned more than the first office during the process of re-officers. s things. So failure made me a more somathed businessman, and my rapid success also made me a stupid businessman. I am fortunate, because my first company still makes a lot of money, so I have become very stupid. So today I want to say, it is important that no matter whether you like or not, money is power. China has begun a very great era. You will become a rich country, but if you only have a few people in this country, you will have a problem. Japan's question is that they have good academic education. They have a high savings rate. They are working unusually diligent, but their economy is still going downhill, so I am talking about today is the education of business, not Vietnam War, ok? Moderator: Ok, let's start your company. What is the first company of Robert? Robert: When I was nine, I opened the first company, which is written in "Fu Daddy Dad". That is a comic company, it is to sell a company painting, renting a world, which is the first company I have been nine years old. Moderator: Mr. Robert him said that his first company is selling a small book, but this book The book says that there is still an attempt before this, it is failed. What did he do? This book said that this is said that this is Robert asked his poor father. He said, dad, can you tell me how can I get rich? Dad put down the evening report in his hand, he asked, why do you want to get rich? Mr. Robert is that because of this weekend Jimmy's mother will open a new Cadillac with Jimmy to go to the beach villa, Jimmy also said that I have to take three friends, but I have not been invited by Mike, they said, we don't Invitation because we are poor children. Do they really say this? Dad did not believe in. Yes, they said, I took a hurt tone to answer. Dad shook his head and pushed his glasses to the nose, and then read the newspaper. I stood there looking forward to answer, that year was 1956, I am 9 years old. After this story, Mr. Robert searfully collected toothpaste in the neighbor's home. At the time, the toothpaste was not like this high-sci-jie, which we used it, but lead, then they gathered together toothpaste. After it, put it in a pillar and cast the dollar. And he didn't know this is illegal. Robert: My father said, if you want to get rich, you have to know how to make money. At the age of nine, I used to make money as a result of making money, so I started to do five points, very coins. My father said that I am making money, and my poor father tells me, no, no, this is not making money, this is forged currency, it is illegal. Many people don't know the richness of the rich, because the rich is also making their own money, and it is legal production. Bill Gates became the most rich people in the world, he was printing his own currency, that is, Microsoft's stock, so the biggest difference between the rich and the middle class and the poor is the poor and middle class want to buy In stock, and the rich will sell stocks to the poor and middle class. From this sense, the rich produces their own currency, then selling their money to others.
In 1974, when I came back from the battlefield of Vietnam, I decided not to buy stocks. I have to sell stocks. Today I am a rich man because I sell my own stock. I have two oil companies, and they have a mineral company in South Africa. They are all listed companies. Those who participate in the stock market are all stocks, buy stocks. So you have to distinguish between buying and selling. If you want to get rich, don't buy stocks, sell stocks. Moderator: You know someone is Li Ka-shing, he is a Hong Kong man, and he has many companies. Robert: I know. Moderator: But Li Jiacheng earned so much money, until now, I haven't thought of writing a book, for example, "Mrs. Waupu", why do you have a good job when you operate very well? A book, tell everyone how to make a fortune? Not afraid of money by us? Robert: My friend, this is a stupid problem. I wrote this book because I already have so much money, why should I be afraid? I just want to pass the rich father to my education to others. If they are willing to learn, they can read this book. If they are not willing to learn, don't read it. Here I want to say, I am not a good student, nor a good author. Why is my book succeeded? Because I have been a rich man before I wrote this book, I don't need to write a book to make money. But writing this book really makes me get rich. I want to enrich other people's lives by writing this book. I want to say that the most important thing is that there are a lot of ways to get rich. You can get rich by deceptive, but there are people who don't like deception in the world, and there is still a way to get rich. It is to get married to a rich person. At the same time, there is a way to make you A generous person can also become rich. If you want to become rich, I suggest you to be a generous person, I wrote this book because I want to be a generous person, because I am a generous person, I Earn more money. Moderator: Well, before this report starts, I want to trouble Mr. Robert, can you tell you that you have two friends, why do you have two Dad? Robert: Why do I have two dads? My poor father is an academic genius. In the past two years, I have finished college, Tamstan University graduated, and also at the University of Chicago, Northwestern University, he is a very smart person, but why is my poor father? Because he is a government official, he earned a lot of money, but no matter what he made a lot of money, he became more and more poor because he was very intelligent in academic, but not intelligent financially. My father is my best friend's father. He didn't have anything, he did not accept any education, but it became more and more rich because he established his company. Today, you go to Xiawei, you will see white beaches, blue waves, my father is now dying, but he still has a lot of real estate, including hotel. This book is "rich father and poor father" this book, is about how Dad and poor father educate their two sons. How to look at money, how to make money, it is indeed a church how your children manage your assets, if you don't teach them? If you manage assets, children will take the money and lose money. So my father taught me the best friend Mike how to manage assets, and I also accepted his education.
My poor father only has a profession. He has no assets, so I can only start a family. After graduating from school, my poor father is holding his hand and say goodbye, I have to pay my college education. I am now rich, because I am willing to get rich. My education is from my father, not from traditional schools. So now I am a rich, I retired when I was 47 years old. Now I don't have to work, I can earn millions of dollars, because I accept my father's education. I wrote "rich father and poor father" this book is entirely due to social responsibility, I want to give, church, I have learned. So from many ways, today I prefer to be a teacher like my poor father, not just as my father. Moderator: Good, in short, in a sentence, this rich father is not the pro-father of Robert, I just said, Mike Dad of Mike with Robert, is his good friend. Dad. Ok, let's go to the right, long-term short words, now I will start the report of Robert to us, the name of the report is not necessarily made. Ok, please. Robert: "Daddy Dad" This book is related ... My poor father has a high academic IQ, is full of smart, he is very good at school. In fact, he has learned too well in school, and he has not left there. He started from the school, and later became a teacher, he stayed in school until he died. He didn't understand the world outside the school, so he was very good at school, and he left at school because he had very high academic IQ. My father has no academic IQ, but he has a high business business. I am so rich today is not my academic IQ. In fact, I am not good at school. I really doubt that I can be invited to your school because I am not smart. But I am rich because I have a rich father's business. I want to say that I am not making money as my father is smart, he is really very and very intelligent. In 1974, when I left the US Navy Marine Team, I finally said with my poor father, I finally said, I didn't like you, I would like to do a sales in the academic community. personnel. My poor father said, sales staff? ! Seller? ! This is the lowest in the world! In Confucius, the best people in Confucianism are teachers, probably the lowest people are doing sales. So my poor father thinks himself is the highest person, and sales staff is the lowest. So my first step is to say to my poor father: I want to be a salesman. This is a traditional rebellion to a family. So I must improve my business and study sales. The reason I want to learn to sell is if you have money, don't use your own money. People say that this kind of statement is not correct. You have to change money, you have to use someone else's money, so I have to sell, sell, go to my investors, you give me two million, three million to do my, set up my company, I Going to my bank, selling my thoughts to them, telling them why they should borrow money, let me buy a house. So I am probably starting my career in 1974, which is from Vietnam, I truly started my business. Before I talked this second book, I quickly talked about it, my most important book called "The Quatings of Cash Flow". I was written for people who want to change their lives, no matter what younger old. This book is important because it makes this distinction, this is the four quadrants of cash flow. I think it reflects the difference between education. Speaking of quadrants, it must be four.
When I was a little boy, my Dad told me that in the commercial society, there were four kinds of people different. E means you are an employee. Most people in this world are employees. S is a freelancer, and the small business people are also known as a professional, may be a doctor, may be a lawyer, accountant, and other professionals, and the smarter of this group of people. B is an entrepreneur, refers to a large company, is a small business, such as a freelancer is different. There are many freelancers in the world, their problems cannot stop working. If I am a doctor, I have been working until I can make money. If I operate a restaurant, I have to work every day as a small businessman to earn money. If I stop, my money is stopped. If I really want to have money, I should become a big business. For example, many people in the United States, they sell burgers, or coffee, their business is very small, because he can only have one or two stores, but if you make a big business, like McDonald's words, they have thousands Tens of thousands of shops. So these people's thinking methods are greatly different. My father pointed out that these talents were really rich in the world. They are Bill Gates, Richard Gryssen, they are really money. The fourth is a person invested. They have different ideas, different feelings. It is my poor father, he told me to study hard, then find a job, in my family, just turn me into an employee, I have been telling him, I don't want to have a job, because I am I want to become rich. He said no, no, it can't be turned into money, they are bad people, is a liar. This is actually a very typical middle class idea. I told them to say, no, no, no. My mother is a very good person, she said: Robert, I know that you want to become a rich person, she said, if you want to become rich, because she is a nurse, in her world, she The most dollyred doctor knows, so I poor my mother says why you don't turn into a professional doctor? I told my mother that I have to be a doctor, but there is a difficult problem. What is the mother asking, I am not so smart, how do I do a doctor? My mother said, you are right. I told my father, he said, do you want to have money, you should become an entrepreneur, and you have to become an investor. I have to talk about us today is financial education. The basis of financial education, the most basic financial education education you should accept is that you have to know financial knowledge, there is a word of wealth, under money, you have to have general financial knowledge, picking financial knowledge, It is a financial term. Let them write them down. Start from vocabulary, then to financial knowledge, it is finally the business. The reason why I am saying is because if we want to be a person on this side. If we are rich, we need to learn their vocabulary first, and the words that can be successfully applied here will not be able to travel there, and the vocabulary of these sides is very different. I have two fathers, I found out that I am a teacher's poor father, he only uses a middle school teacher's vocabulary, and Dad is using the rich vocabulary. Both fathers speak English, but they don't have to use the same vocabulary. In the book of "rich father and poor father", I talked about the importance of mastering financial knowledge. This is the foundation of financial knowledge. It is a financial statement. This is your income, expenditure, asset and liabilities.
My father told me that I have to tell you that a big secret in life, my banks have never asked me to have transcripts, they don't care how much I am in school, my banks want to know , I want to see is my business, how smart is in terms of finance. In your country, in my country is the same, when you look at your bank, he don't want to see your transcript, he wants to see your financial statements. Dad said that this is this, this is a very important word for people who do business. It is a very important word for the owners. This is cash flow. When the banker looks at your financial statement, he wants to see how your cash flows. When I was nine years old, my Dad said to me with a very simple language. Assets put the money into your wallet, so that the money enters your wallet. Even if you don't work, the assets can also bring you money. This is the cash flow brought by the asset, and cash flows from the asset part into this part of your income. My father said there are three most basic asset types. The first category is a business; the second category is securities, stocks, etc .; the third category is real estate. These assets are flowing here, but he also said that liabilities are things that take the money from your wallet. For example, if I want to buy a house, the house is put here, I live in the house, I have to pay for this house every month. What is this? It is a liability, not an asset. If I take this house, the house can become an asset. If I buy a company, I bought a restaurant, manage the restaurant, well managed, you can add money to my golden treasure, what is this restaurant? ? It is an asset. But if I manage is not good, no one will eat, I will lose money every month, and the same restaurant is a liability for me. My father told me the first point, these things only these items, they are assets or liabilities, depending on me. Depending on my business. This is the most basic education. Many people have learned, find a job, began to make money, and the money will take it again. After the banker saw your balance sheet, told you that this cash flow is a poor cash flow. The Chinese middle class is also very hard because they have more money to earn than they earn. The first thing they did was to buy a big house after getting married, then in the column of liabilities, they have this mortgage to buy a housing. I will define these vocabulary. Mortgage This word mortgain comes from French death. The word mortgage is what you want to be busy with you. For Americans in the middle class, China is the same, it will make you more and more debt, because the money they spend is much more, so they continue to borrow money. I don't oppose borrowing money, but I oppose borrowing money to buy liabilities. They borrowed money to buy a house, bought a BMW or Mercedes-Benz, bought furniture, and a credit card, because they still went to Japan, discure elsewhere else. This is the cash flow of the middle class. 50% of Americans do this, they look rich, they have high-income work, but they are in debt, but they are deeply involved because they earn less money than they spend. So, money can't make you rich. If you want to be rich, you need to buy an asset, or you have to build your own business, or buy bonds, or buy real estate. When I watched the financial statement, I can see that he is a rich man. He is the reason for the rich because he has not worked, but the money has been continuously inflowing from his assets.
I am getting rich because I work hard to work, I have a few hours a day but because I keep buying assets, I have a goal, but I don't need to work more effort. Therefore, the cash flow is like this, so that this is why the rich becomes more rich, and the poor becomes more poor, and the middle class is more primary class? This is the reason. People often ask me a question, do you recommend that we buy stocks, or buy real estate, or I want to build your own business? They want me to tell them what should be done. And I want to tell people, not what I do, but I know what, I will give you to everyone now. Let me give an example, for example I buy a restaurant, I have a big chance to buy a restaurant, because I have experienced a lot of education, I have learned a lot of experience from my failure. The general people have passed school. They don't have general financial knowledge. They don't have this experience. They bought the same restaurant, but they would fall into trouble. For example, he said to buy real estate, I bought a real estate, I will become more and more money, because I know how to do it, not because I did what I did. But there is no more education with me. They bought the same real estate. They would be bankrupt, so I want to tell you, before you do anything, you need to understand what you need to know, I found someone Holding the way the poor thinks, some people have the way of thinking of middle class, and others are the way to think, and I don't tell you what to do, but tell you what to know, how to think about how to think , That is, what kind of thinking is to make you get rich. Today, in China, some people say that in China can't see the opportunity, if you can't see the opportunity, if you invest a company, if you invest in a company, you need a complete set of vocabulary, if you want to buy stocks, It also needs another set of different vocabulary. If you invest in real estate, it is needed. Another set of different vocabulary. My Dad church, I have learned that after I understand the most basic financial knowledge, he tells me. You have to learn the vocabulary of the owner, you need the vocabulary of stocks, learn the vocabulary of real estate, once you learned these vocabulary, you will see opportunities to make money. But if you don't master this vocabulary, you will never see this opportunity. Today, China is the fastest country, not only the fastest, but also the world's youngest main countries, Japan is already downhill, because it has become old, and there is a saying in the United States, if old people If you are not dead, this world will not change, so China's advantage is that it is a very high-speed growth country, you have a young population, I have seen it in ten years, it is Goes into a country that is most money all over the world. You are currently in the best era and have educated in China's best academic government. I know that you are very good student. I wish you all the best tomorrow. This is the world's first game that makes you can learn financial games. In order to make this game board, this is like a mouse race like our real society, this is like a mouse. You will work every morning, get up every morning, get up every morning, always seem to step in the place, this is in the mouse circle, the mouse cage is the poor and middle class, this is a rich man. In the United States, this is a fact that there is a matter of investment in the poor, and there is also a matter of investment in rich people. The wealthy is more rich, one of the reasons is that they have the best investment project in the world.
According to the US government's legal or Securities Exchange Commission (SEC), since 1935, you have to invest here, you must be a millionaire in the United States, you need a lot of money, but in the United States less than one percent People can invest here, and most people are trapped here. One reason why I want to be a millionaire is what I want to invest here, so I can get rich soon, so I spent a long time to have a million assets, but here I will have thousands of people. , Hundreds of millions of assets. But I also paid a price, I learned how to fill in the financial statement, in order to communicate with the above rich people. So I invented this game to make it closest to life. If this is a very difficult game for most people, this is because it is necessary to cultivate you, want to develop the way of thinking of assets as the target, not just find a high-paying job. It is not important to work here, and assets are important. So I suggest you play this game 10 ~ 12 times, thereby changing your way of thinking, so your business will increase. Once your business is increased, you can make better financial management, you will make you better investors, whether in investment companies, stocks or real estate, this is a very basic game, when you master this game, I suggest You teach others. If you really want to learn, you should be like my poor father, teaching is the best way to learn. So teaching your friends who have not yet opened yet get rich. When I play this game with the banker, he stayed here for six hours, a circle, because he is an employee, he is not like an entrepreneur and investment. So the purpose of this game is to change your way of thinking, and also teach the most basic vocabulary and data in business. This is what I want to say, if you have a problem, I am happy to answer or wait for, thank you. Moderator: Mr. Robert has already mentioned his Ratrace game. He asked this asked, I tried to play to play hands and big rich, these games fully show how the rich is dry in investment, but most players are like me, do not really change in their own life. Be rich, in addition to increasing our unrealistic wealth dreams and pure entertainment, it does not give us any guidance and help on economic life. I heard that Mr. Yoki designed a cash flow game such as Ratrace. So I doubt, is it the same as the brake and a lotus that I have played? Please answer Mr. Yichi. Robert: I am very happy to give you some answers. First, this game is complicated than the big rich, but I will not comment on these games itself, I just want to talk about a person's thinking, I want to get rich The most important thing is whether you have the right way to make you rich, I said it is because I want to get rich. I am 9 years old, I'm playing a big rich. The rich formula is from that board. If you want to get rich. Like I play this big rich game is to get rich. The gentleman is a little indistin, you can say that I am very suspicious, very indignant, I don't believe you. Such a person is hard to get rich, and they may be very strong, but they have few opportunities to succeed, and it is difficult to get happiness. I want to tell you, what is the formula of a game that is a game that is a game of Daquhao. When I was 9 years old, my poor father said that I quickly took this game. Go to learn, you play this game is simply wasting time. And my father said, he said that you should let go of your thoughts to see what is going on in the game, it's just in front of you, you have to understand it.
Finally, I learned this rich way: there are several houses, there are red hotels, every time I have a money method is to sell me four green houses to buy a red hotel, today I have so much money, It is because I have been selling these houses since I was 24 years old, and I went to buy a hotel, so that I repeatedly made myself get rich. You can become very rich without going to school, this is the rich formula in the Great Flutant game. In my cash flow game, this young people did not see the benefits of this game because he didn't believe it. In my way, I want to be important, I have to believe it all, you have to look at how people get in front of you get rich. Don't talk to the poor, the poor will say, oh, this is too risky, don't do this, don't take risks, save money, insurance, this is the poor thinking. You should have an open thinking. After your thinking is open, you can understand different things. When your thinking is closed, you can't learn anything. I have seen some people in this here very much want to learn, I can see you very much from your eyes, you want to get rich. There are some people who are thinking, he is lying, I don't like him, I don't trust him, this is nothing to do with my remarks, but the problem of these people thinking. So this game is more mature, and it is more difficult to play. Some people say: Oh, this is not true, I suspect everything, I don't believe you, then these people can't learn anything, if you want to learn, you can learn something from you, I am in your eyes It can be seen that you want to learn or want to learn, I think this is the most important point. The biggest difference between rich and poor people is that their thinking is different. The poor will always say, oh, this is too expensive, I can't afford it, this is the way of thinking of the poor. If you say, oh, I can't do this, this is too risky, this is the way of thinking of the poor. And my father said, never say that I can't afford these three words. You may earn a lot of money, you will not say it, then the thinking of the poor. If you want to get rich, don't say that I can't afford it, but I should say how I can afford, if you can't afford it, then your thinking is closed, if you want to buy it, you The thinking is open, do you understand? What you need is a new way of thinking. I have never been able to buy something, but I will only say how to afford, and why buy it, this makes my thoughts, the poor is cheap, cheap -, insurance, insurance -, work hard, work hard -, A little bit, a little -, save money, save money, and poor ideas. Moderator: Let us now give our mind, then listen to the next question, this netizen is a guest. I don't know that Robert said that I have never heard of such a statement, saying that there are four enjoyment in life. If these four things have some people, this person is happy. Robert: Hearing. Moderator: The first enjoyment of these four enjoyment is to have a salary of the United States. Robert: I have no salary, I have no salary, I have a job in my life, I don't want salary, ladies, gentlemen. Moderator: Mr. Robert is that if you want to be rich, you should not pay, if you want to pay, it is a middle class.
Robert: I don't want to work, I will talk about the difference here, I don't want this, I don't really like work, I tell you about the difference, income and wealth, middle class and poor, they want high income They think they need money, not they don't have wealth, because they don't have assets, you have to understand, money and wealth, because they are not the same, two things, money will never make you rich, wealth can make You become rich, I have a lot of companies, I have a lot of stocks, I sell options, I am doing real estate business, this makes me get rich, no matter what I don't work, Bill Gates can only Earn $ 500,000, but I earn more than this, but his wealth value is 20 billion, let me tell you that money, income and wealth have a big difference, I am buying assets, enterprises, Stock, real estate, these can make you rich, not a job, why is the US rich people getting more and more money? Because they pass the assets to their children, my poor father is old saying that you have to find a high-income job, and my Dad tells me assets, assets, assets, this is the difference. Moderator: Look, the first largest enjoyment of life, is an outdated concept, the second largest is British House, there are so big houses in the UK. Robert: I have a very big house, I like my house, I have five cars, all famous brands, the best brand, I like a good car, and I have a beautiful wife, I am very happy. Moderator: The third largest enjoyment is Chinese food. Robert: Yes. Moderator: You have already eaten these days. The fourth largest enjoyment is that you must marry a Japanese lady in this life. Robert: He said that Mrs. Japanese? Moderator: But you are a Japanese descendant, but it is indeed a US wife. Viewing: Hello, you just spend Assets, but the US property has his return on investment. He hopes to get rich in the short term, or hope to invest for a long time, it is a process. Robert: I answered your question. First of all, this person will become very rich in the future. I can see it from his eyes. The beautiful girl will go to him. He is willing to learn knowledge, he has a hunger for knowledge, I will stay in Beijing for four days, If someone is willing to teach me to learn Chinese, I said that I don't have to learn, I only stay for four days, but if I want to move to here, I will say that I must learn Chinese, he has such an idea, that is, I must Studying, I must learn, not what I have to teach him, the most important thing is that he is willing to learn, because I am an owner, I am an investor, I have no work, so I keep studying, the most important investment is Your education.
