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Robert_T._Kiyosaki_-_Rich_Dad%2C_Poor_Dad.pdf 330KB

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Robert Kiyosaki - John T. Reed analysis of Robert Kiyosaki Book Rich Dad Poor Dad.pdf 360KB

who controls the past controls the future, who controls the present controls the past.

Rich Dad, Poor Dad

By Robert T. Kiyosaki

V1.0(9-9-2002)

If you find and correct errors in the text, please update the version number by 0.1 and

redistribute. Ripped by Tangtang

INTRODUCTION

There is a Need

Does school prepare children for the real world? "Study hard and get good

grades and you will find a high-paying job with great benefits," my parents used

to say. Their goal in life was to provide a college education for my older

sister and me, so that we would have the greatest chance for success in life.

When T finally earned my diploma in 1976-graduating with honors, and near the

top of my class, in accounting from Florida State University-my parents had

realized their goal. It was the crowning achievement of their lives. In

accordance with the "Master Plan," I was hired by a "Big 8" accounting firm, and

I looked forward to a long career and retirement at an early age.

My husband, Michael, followed a similar path. We both came from hard-

working families, of modest means but with strong work ethics. Michael also

graduated with honors, but he did it twice: first as an engineer and then from

law school. He was quickly recruited by a prestigious Washington, D.C., law firm

that specialized in patent law, and his future seemed bright, career path well-

defined and early retirement guaranteed.

Although we have been successful in our careers, they have not turned out

quite as we expected. We both have changed positions several times-for all the

right reasons-but there are no pension plans vesting on our behalf. Our

retirement funds are growing only through our individual contributions.

Michael and I have a wonderful marriage with three great children. As I

write this, two are in college and one is just beginning high school. We have

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who controls the past controls the future, who controls the present controls the past.

spent a fortune making sure our children have received the best education

available.

One day in 1996, one of my children came home disillusioned with school.

He was bored and tired of studying. "Why should I put time into studying

subjects I will never use in real life?" he protested.

Without thinking, I responded, "Because if you don't get good grades, you

won't get into college."

"Regardless of whether I go to college," he replied, "I'm going to be

rich."

"If you don't graduate from college, you won't get a good job," I

responded with a tinge of panic and motherly concern. "And if you don't have a

good job, how do you plan to get rich?"

My son smirked and slowly shook his head with mild boredom. We have had

this talk many times before. He lowered his head and rolled his eyes. My words

of motherly wisdom were falling on deaf ears once again.

Though smart and strong-willed, he has always been a polite and respectful

young man.

"Mom," he began. It was my turn to be lectured. "Get with the times! Look

around; the richest people didn't get rich because of their educations. Look at

Michael Jordan and Madonna. Even Bill Gates, who dropped out of Harvard, founded

Microsoft; he is now the richest man in America, and he's still in his 30s.

There is a baseball pitcher who makes more than $4 million a year even though he

has been labeled `mentally challenged.' "

There was a long silence between us. It was dawning on me that I was

giving my son the same advice my parents had given me. The world around us has

changed, but the advice hasn't.

Getting a good education and making good grades no longer ensures success,

and nobody seems to have noticed, except our children.

"Mom," he continued, "I don't want to work as hard as you and dad do. You

make a lot of money, and we live in a huge house with lots of toys. If I follow

your advice, I'll wind up like you, working harder and harder only to pay more

taxes and wind up in debt. There is no job security anymore; I know all about

downsizing and rightsizing. I also know that college graduates today earn less

than you did when you graduated. Look at doctors. They don't make nearly as much

money as they used to. I know I can't rely on Social Security or company

pensions for retirement. I need new answers."

He was right. He needed new answers, and so did I. My parents' advice may

have worked for people born before 1945, but it may be disastrous for those of

who controls the past controls the future, who controls the present controls the past.

us born into a rapidly changing world. No longer can I simply say to my children,

"Go to school, get good grades, and look for a safe, secure job."

I knew I had to look for new ways to guide my children's education.

As a mother as well as an accountant, I have been concerned by the lack of

financial education our children receive in school. Many of today's youth have

credit cards before they leave high school, yet they have never had a course in

money or how to invest it, let alone understand how compound interest works on

credit cards. Simply put, without financial literacy and the knowledge of how

money works, they are not prepared to face the world that awaits them, a world

in which spending is emphasized over savings.

When my oldest son became hopelessly in debt with his credit cards as a

freshman in college, I not only helped him destroy the credit cards, but I also

went in search of a program that would help me educate my children on financial

matters.

One day last year, my husband called me from his office. "I have someone I

think you should meet," he said. "His name is Robert Kiyosaki. He's a

businessman and investor, and he is here applying for a patent on an educational

product. I think it's what you have been looking for."

Just What I Was Looking For

My husband, Mike, was so impressed with CASHFLOW, the new educational

product that Robert Kiyosaki was developing, that he arranged for both of us to

participate in a test of the prototype. Because it was an educational game, I

also asked my 19-year-old daughter, who was a freshman at a local university, if

she would like to take part, and she agreed.

About fifteen people, broken into three groups, participated in the test.

Mike was right. It was the educational product I had been looking for. But

it had a twist: It looked like a colorful Monopoly board with a giant well-

dressed rat in the middle. Unlike Monopoly, however, there were two tracks: one

inside and one outside. The object of the game was to get out of the inside

track-what Robert called the "Rat Race" and reach the outer track, or the "Fast

Track." As Robert put it, the Fast Track simulates how rich people play in real

life.

Robert then defined the "Rat Race" for us.

"If you look at the life of the average-educated, hard-working person,

there is a similar path. The child is born and goes to school. The proud parents

are excited because the child excels, gets fair to good grades, and is accepted

who controls the past controls the future, who controls the present controls the past.

into a college. The child graduates, maybe goes on to graduate school and then

does exactly as programmed: looks for a safe, secure job or career. The child

finds that job, maybe as a doctor or a lawyer, or joins the Army or works for

the government. Generally, the child begins to make money, credit cards start to

arrive in mass, and the shopping begins, if it already hasn't.

"Having money to burn, the child goes to places where other young people

just like them hang out, and they meet people, they date, and sometimes they get

married. Life is wonderful now, because today, both men and women work. Two

incomes are bliss. They feel successful, their future is bright, and they decide

to buy a house, a car, a television, take vacations and have children. The happy

bundle arrives. The demand for cash is enormous. The happy couple decides that

their careers are vitally important and begin to work harder, seeking promotions

and raises. The raises come, and so does another child and the need for a bigger

house. They work harder, become better employees, even more dedicated. They go

back to school to get more specialized skills so they can earn more money. Maybe

they take a second job. Their incomes go up, but so does the tax bracket they're

in and the real estate taxes on their new large home, and their Social Security

taxes, and all the other taxes. They get their large paycheck and wonder where

all the money went. They buy some mutual funds and buy groceries with their

credit card. The children reach 5 or 6 years of age, and the need to save for

college increases as well as the need to save for their retirement. .

"That happy couple, born 35 years ago, is now trapped in the Rat Race for

the rest of their working days. They work for the owners of their company, for

the government paying taxes, and for the bank paying off a mortgage and credit

cards.

"Then, they advise their own children to `study hard, get good grades, and

find a safe job or career.' They learn nothing about money, except from those

who profit from their naïveté, and work hard all their lives. The process

repeats into another hard-working generation. This is the `Rat Race'."

The only way to get out of the "Rat Race" is to prove your proficiency at

both accounting and investing, arguably two of the most difficult subjects to

master. As a trained CPA who once worked for a Big 8 accounting firm, I was

surprised that Robert had made the learning of these two subjects both fun and

exciting. The process was so well disguised that while we were diligently

working to get out of the "Rat Race," we quickly forgot we were learning.

Soon a product test turned into a fun afternoon with my daughter, talking

about things we had never discussed before. As an accountant, playing a game

that required an Income Statement and Balance Sheet was easy. So I had the time

who controls the past controls the future, who controls the present controls the past.

to help my daughter and the other players at my table with concepts they did not

understand. I was the first person-and the only person in the entire test group-

to get out of the "Rat Race" that day. I was out within 50 minutes, although the

game went on for nearly three hours.

At my table was a banker, a business owner and a computer programmer. What

greatly disturbed me was how little these people knew about either accounting or

investing, subjects so important in their lives. I wondered how they managed

their own financial affairs in real life. I could understand why my 19-year-old

daughter would not understand, but these were grown adults, at least twice her

age.

After I was out of the "Rat Race," for the next two hours I watched my

daughter and these educated, affluent adults roll the dice and move their

markers. Although I was glad they were all learning so much, I was disturbed by

how much the adults did not know about the basics of simple accounting and

investing. They had difficulty grasping the relationship between their Income

Statement and their Balance Sheet. As they bought and sold assets, they had

trouble remembering that each transaction could impact their monthly cash flow.

I thought, how many millions of people are out there in the real world

struggling financially, only because they have never been taught these subjects?

Thank goodness they're having fun and are distracted by the desire to win

the game, I said to myself. After Robert ended the contest, he allowed us

fifteen minutes to discuss and critique CASHFLOW among ourselves.

The business owner at my table was not happy. He did not like the game. "I

don't need to know this," he said out loud. "I hire accountants, bankers and

attorneys to tell me about this stuff."

To which Robert replied, "Have you ever noticed that there are a lot of

accountants who aren't rich? And bankers, and attorneys, and stockbrokers and

real estate brokers. They know a lot, and for the most part are smart people,

but most of them are not rich. Since our schools do not teach people what the

rich know, we take advice from these people. But one day, you're driving down

the highway, stuck in traffic, struggling to get to work, and you look over to

your right and you see your accountant stuck in the same traffic jam. You look

to your left and you see your banker. That should tell you something."

The computer programmer was also unimpressed by the game: "I can buy

software to teach me this."

The banker, however, was moved. "I studied this in school-the accounting

part, that is-but I never knew how to apply it to real life. Now I know. I need

to get myself out of the `Rat Race.' "

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