Chapter 10 overcome difficulties

People learn and become financially literate, but still face many obstacles on the road to financial freedom.We know that asset projects can generate a lot of cash flow, so that people can freely live the life of their dreams without having to work all day for a living. People who only have financial knowledge often still cannot have sufficient asset projects. There are five reasons: 1. Psychology of fear; 2. Cynicism; Three, lazy; 4. Bad habits; Five, conceited. One reason: the fear of losing money.I've never met anyone who enjoyed losing money, but never in my life have I met a rich person who never lost money.But I've met a lot of poor people who never lost a penny, I mean in investing.

The fear of losing money is real and everyone shares it, even the rich.But the fear itself is not the problem, the problem is how you deal with the fear, how you deal with the loss.How you handle failure makes a difference in people's lives, not just with money, but with anything in life.The main difference between rich and poor people is how they deal with fear. It's normal to be afraid, it's normal to be cowardly when it comes to money, and even then you still have the opportunity to be rich.We are all heroes in some ways and cowards in others.My friend's wife is an emergency room nurse who rushes to treat bleeding patients, but she doesn't listen when I mention investing.But when I see blood, I never run up, but hide aside.

My rich dad understood people's phobias about money.Some people are very afraid of snakes, some people are very afraid of losing money, these are all phobias.So, he has a tip for overcoming the fear of losing money: If you hate risk and worry about losing money, start building your money early. That's why banks advise you to make saving a habit when you're young.It's easier to get rich if you start accumulating when you're young.Of course, I don't think saving is a good way to accumulate wealth, and I don't want to go into detail on this issue here, but it should be seen that there is indeed a difference between those who start saving at the age of twenty and those who start saving at the age of thirty. There are huge differences.

Some say one of the wonders of the world is compound interest.The purchase of Manhattan Island was said to be one of the cheapest deals ever made, and New York was bought for a cheap trinket worth twenty-four dollars.However, if that $24 was invested at an annual interest rate of eight percent, that $24 would become $28 trillion by 1995.If you saved $24, you could buy Manhattan back today, especially at real estate prices in 1995. My neighbor works for a large computer company where he has been for twenty-five years.In a little over five years, he would leave that company, and he would get four million dollars under the 401K plan.Much of that money will be invested in high-growth mutual funds, and he can also convert it into corporate and government bonds.He was only fifty-five years old when he left the company, but he was able to receive a cash inflow of more than three hundred thousand dollars a year, which was more than his salary income.So, if you are afraid of loss or hate taking risks, you can at least do this.However, you must act early and have a solid retirement plan in place, and you must also hire a financial advisor you trust to guide you before you make any investment decisions.

But what if you don't have a lot of time or want to retire early?How do you deal with the panic of losing money? My poor dad did nothing about it.He just sidestepped the question, refusing to discuss it. My rich dad, on the contrary, advised me to think like a Texan. I like Texas and the Texans, he used to say: In Texas, everything is atmospheric.If the Texans win, they win a lot; if they lose, it's amazing. Do they like to lose?I asked. I don't mean that, no one likes to fail.If I must see a loser, let me see a happy loser, rich dad said, this is the Texan attitude towards risk, reward and failure.It's the way they run their lives, and they live big, not like most people here have a helicoid attitude when it comes to money.Helical braids are terribly frightened when someone shines a light on them, and the kind of person who complains nonstop when the grocery clerk gives them a quarter short of change.

Rich dad went on to explain: My favorite is the Texas attitude to life. He will be proud when he wins and boast about himself when he loses.There's a Texan saying, if you're going broke, be broke.He doesn't want you to think he's broke just because of a duplex. Rich dad often told Mike and me that the biggest reason for not being successful financially is that most people play too safe and people fail because they are too afraid of failure.This is what he often said. For the former NFL standout player Fran.Tarkenton has another saying: Winning means not being afraid to lose.

In my life, I have noticed that failure is often followed by success.I fell many times before I finally learned to ride a bike, and I've never met a golfer who never lost a ball, a lover who never broke a heart, and a man who never lost money the rich. So, for most people, the reason they can't win financially is because the pain of losing money far outweighs the pleasure of getting rich.Another Texan proverb goes: Everyone wants to go to heaven, but no one wants to die.But how can immortality enter heaven? It's like most people dream of getting rich, but they are afraid of losing money in the investment process, so they will never enter heaven.

Rich dad used to tell Mike and me stories about his trips to Texas. If you really want to learn how to deal with risk, loss and failure, go to the Alamo in San Antonio.The legends of the Alamo are stories of brave men who choose to fight when they know there is no hope of defeating monsters. They would rather die than surrender.It's an exciting story to learn, however, it was a tragic military failure.Do you want to know what the Texans do in the face of failure?They shouted: Remember the Alamo! Mike and I heard this story many times.Rich dad would tell us this story before doing big business or when he was feeling uneasy; He also told us the story when we made a mistake or were afraid of losing money.This story gave him strength because it always reminded rich dad that with faith and hard work, financial losses can always be turned into financial gains.Rich dad knew that failure would only make him stronger and wiser.He is not willing to lose, but he knows what kind of person he is and how to face loss.He takes losses and turns them into profits, which is the fundamental reason why he ends up a winner and others losers, and why he still has the guts to cross the finish line when others quit.That's why I like Texans so much.They accept the reality of failure and turn it into episodes on the road to success.

Today I have a deeper understanding of what my rich dad said: Texans don’t hide their failures, they get stronger as they get frustrated, they accept the reality of their failures and turn them into motivation.Failure inspires Texans to become winners, and the formula isn't just for Texans, it's for all winners. Like I said before: falling off a bike is an integral part of learning to ride, and I remember falling off made me even more determined to learn to ride; A golfer who hits a ball, as a professional golfer, misses a ball or loses a game only motivates him to do better, practice harder, and learn more.For winners, failure motivates them; for losers, failure crushes them.

In the words of Rockefeller, I always try to turn every disaster into an opportunity. As a Japanese American, I can say this.Many people say that Pearl Harbor was an American mistake, but I think it was the biggest mistake of the Japanese.In the movie "Tiger, Tiger, Tiger," a mournful Japanese admiral says to his close aide: I'm afraid we've shaken a sleeping giant awake.Sure enough, remembering Pearl Harbor became a slogan with great appeal. It turned one of America's biggest losses into one of the reasons for its victory. This huge defeat gave America strength instead. Since then, the United States has quickly risen to become a world strong country.

Failure motivates the winner and crushes the loser. This is the biggest secret of the winner's victory, and it is also a secret that the loser does not know.Repeat Fran.Tarkenton's words: Winning means not being afraid to lose.like Fran.People like Tarkenton are not afraid of failure because they know themselves, and they hate failure as much as anyone else, but failure only motivates them to do better.Know that there is a huge difference between hating failure and being afraid of failure, most people fail because they are too afraid of failure, they will even go completely broke with a two-bedroom duplex, financially they do it too securely. The scale is too small. They buy big houses and cars, but they don't make big investments.The main reason for 90% of the American public's financial difficulties is that they manage their money to avoid losses, not to make money. Some people will choose to go to a financial advisor or accountant, stockbroker, etc. to buy a safe investment portfolio. Most of them invest large amounts of cash in certificates of deposit, low-yield bonds, mutual funds that can be bought and sold within mutual funds, and a little private stock.This is a safe and reasonable investment portfolio, but it is not a profitable investment portfolio. After all, it is an investment portfolio that people make to avoid losses. That's probably a better portfolio than the rest of the seventy percent plus.For the other seventy percent, even this combination might still worry them so much that they don't invest at all except save.After all, a safe investment plan is much better than no investment plan at all.A safe investment plan is a good plan for those who prefer safety, but investing in a safe and balanced portfolio is not the way a successful investor should behave.If you don't have much capital and want to get rich, you must first focus on one point, not the pursuit of balance or risk diversification.Those who are successful are not pursuing balance at the beginning, and those who pursue balance will only stand still and will not move forward.To make progress, you have to be unbalanced and pay attention to how you can keep yourself making progress. Edison did not pursue balance, he concentrated on something; Bill.Gates does not pursue balance; Soros focuses on one point; George.In contrast to Patton who never deployed his tanks on very long lines, concentrating them to attack the weakest points of the German line, the French laid out the long Maginot Line, with well-known consequences. If you have a desire to be rich, you must focus.Put a lot of eggs in fewer baskets (of course you have to make sure how strong the basket is).Don't put few eggs in many baskets. If you don't want to lose, then invest safely; if the loss will hurt your vitality, then play it safe and make a balanced investment.If you are over twenty-five and afraid of taking risks, don't change your investing style.But to invest in a safe way, start early, start accumulating your eggs early, because accumulating in this way takes a lot of time. However, if you dream of financial freedom from the hustle and bustle of the rat race, the first question you should ask yourself is: How do I deal with failure?If failure motivates you to win, maybe you should go for every investment opportunity but only possible; If you don't like something, call a lawyer and file a lawsuit, then it's best to make safe investments, continue your daily work, maybe buy some bonds, mutual funds, but remember that these instruments are also risky, even if they require It is safer. I've said all this, and I've listed the Texans and Fran.Tarkenton’s stories and remarks just want to show that it is very easy to accumulate asset projects. This is like playing a low-intelligence game. You don’t need a lot of education, and the fifth grade math level is enough.However, investing assets is a high IQ game that requires guts, patience and a good attitude towards failure.Losers avoid failure, which could have turned them into winners.So be sure to remember the Alamo. Reason two: Overcoming cynicism.The sky is falling, the sky is falling.Many people know the story of the chick who keeps circling the barn, warning of impending doom.We know that some people like to do this too, in fact, each of us has chicken-like thoughts inside. As I pointed out earlier, cynics are like chickens, and whenever they have fear or doubt, they act like a chicken. We will have doubts about ourselves: I am not smart enough, I am not good enough, everyone is better than me, etc. Doubts often make it difficult for us to move forward.We're always asking ourselves what if that's the case, what if the economy goes into recession right after I invest, or what if I lose my job and can't pay back the loan.Sometimes our friends or close people take the initiative to remind us of certain shortcomings in ourselves, and they often say, what makes you think you can do these things or if it is a good idea, why don't other people do it Or it won't work and you don't know what you're talking about.These words of doubt are so powerful that we are unable to put our plans into action, and a terrible feeling builds up in us, sometimes keeping us awake at night.We can't move forward because we want to hang on to what's safe and the opportunity slips by us. We watch the hours go by, knots in our hearts keep us from doing anything.We all have this state more or less in life. Peter.Lynch, of Fidelity Maglan Mutual Fund, likens warnings that the sky is falling to noise, and we've all heard that noise. Noise can come from inside our heads as well as from outside us, often from friends, family, colleagues and the news media.Lynch recalls the 1950s, when the threat of nuclear war filled the news media and people began building wartime shelters and stockpiling food and water.If they had wisely invested their money in the market instead of building wartime shelters, they might be financially independent today. When riots broke out in Los Angeles a few years ago, gun sales across the country went up. After a man died from eating raw meat from a hamburger in Washington state, the Arizona health department ordered restaurants to fully cook all their beef.A drug company commercially aired a national TV station showing people had the flu, and when cold cases rose, so did sales of the company's cold medicine. Most people are poor because when they want to invest, they're surrounded by chickens running around yelling that the sky is falling, the sky is falling.The words of the chicks are powerful and resonate in the hearts of each of us.Therefore, it often takes a great deal of courage not to allow rumors and unfounded doubts to fuel our fears and self-doubts. In 1992, I had a friend named Richard who came to Phoenix from Boston to visit me and my wife. He was very fascinated by our stock and real estate business.Real estate prices in Phoenix were very low at the time, and we spent two days presenting him with what we believed to be fantastic opportunities for cash flow and capital gains. My wife and I are not real estate experts, we are just investors.After researching a unit in a nearby neighborhood, we called a real estate company who sold the unit to my friend that afternoon.A two-bedroom town house sells for as little as four.Twenty thousand dollars, similar units will sell for six.fifty thousand dollars.He found a bargain, happily bought it and returned to Boston. Two weeks later, the real estate company called me and said my friend had backed down. I called him immediately to find out why.He just said that he told his neighbor about it and the neighbor told him it was a bad deal and he was paying too much. I asked Richard if his neighbor was an investor, and Richard said no.When I asked him why he listened to his neighbor, Richard didn't answer directly, but said he wanted to wait and see. By 1994, the Phoenix real estate market was picking up.The monthly rent for a small unit reached US$1,000, and reached US$2,500 in winter at its peak. In 1995, the price of this unit was nine.fifty thousand dollars.All that Richard needed to invest was five thousand dollars so he could start the rat race of toil and work, and today, he's still getting nowhere.The cheap deals in Phoenix are still there, though you'll have a harder time finding them these days. Richard's remorse didn't surprise me, it's called buyer's remorse. This psychology affects all of us.When we repent, it means we doubted, the chick got his way, and the opportunity to achieve financial freedom was lost. In another example, I substitute a certificate of deposit investment by holding a small portion of the asset with a tax lien on it. This allows me to earn 16% interest on my money per year, which is already much higher than the 5% interest rate offered by the bank.This right is guaranteed by real estate law and state law, and this guarantee is stronger than most bank deposits.It turns out that this way of investing makes the funds very safe, just illiquid, so I view them as certificates of deposit with a maturity of two to ten years.Yet almost every time I tell someone (especially if they have large CD investments) that I hold money this way, they tell me it's too risky.They also tell me why I shouldn't do that, but when I ask them where they got the information, they say it's from friends or investment magazines.They have never invested in this way, but they are always telling people who do not do it. The minimum rate of return I am looking for is 16%, but those who have serious doubts are willing to accept a rate of return of 5%.The price of doubt is really too high. My point is this: concern and cynicism keep most people living poor but safe all the time.The real world is waiting for you to get rich, but it is these concerns that keep people from being poor.As I said, getting out of the rat race is technically easy enough that it doesn't take much education, but those concerns keep most people off the ground. Cynics never win.said rich dad.Unsubstantiated doubts and fears breed cynics. Cynics complain about reality, while successful people analyze reality.Rich dad explained that complaining blinds the mind while analysis enlightens the mind.Analyzing allows successful people to see what cynics can't and to spot opportunities that everyone else has missed. The ability to spot opportunities that are overlooked is the key to success. Real estate is a powerful investment vehicle for anyone seeking financial independence or freedom.It can be said that this is a unique investment tool.However, every time I bring up real estate, I often hear people say: I don't want to fix toilets.This is what Lynch called noise and what my rich dad called a cynic, who criticizes and complains without analyzing reality.Some people would rather let worry and fear cloud their minds than open their eyes and observe reality. So when someone claims I don't want to fix toilets, I hit back and say whoever told you I want to, they seem to prioritize fixing toilets over what they want to get.I'm talking about getting freedom from the rat race and they focus on the toilet, that's the mindset that keeps people living in poverty.They criticize instead of analyze, and they see troubles in the details rather than the big overall benefits of solving them. I don't want to be a key to success.Rich dad said so. Since I also didn't want to fix toilets, I went to great lengths to find a real estate agent to represent me in toilet repair work, because I found a good real estate agent to repair my house and apartment, which I have. The asset item will increase in value, which means my cash flow will increase.What's more, a good real estate manager is the key to success in real estate transactions, and it helps me to buy more real estate because I don't have to worry about fixing toilets.So for me, finding a good real estate manager is more important than the real estate itself.Also, the fact that a good real estate manager will often inquire about more large deals than you would hear at a real estate agency also helps add value to my real estate. This is what my rich dad meant when he said that I don't want to be the key to success.Since I also didn't want to fix toilets, I figured out how to buy more real estate and save myself from the rat race.Those who say I don't want to fix toilets are always denying themselves access to this powerful investment tool, which is more important than their freedom. In the stock market, I also often hear people say, I don't want to lose money.I don't know what makes them think that I or anyone else who invests in the stock market likes to lose.Instead of analyzing reality, they simply dismiss another powerful investment tool, the stock market. In December 1996, a friend and I were driving past a gas station in a neighboring area.My friend looked and saw that the price of gas had gone up.My friend is always worried, and he's one of those chick types where the sky always seems to be falling down, usually on top of his head. When we got home, he gave me all the numbers to show why gas prices were going to trend higher in the coming years.I had never read these figures before, not even after owning a major stake in an operating oil company.With this information, I immediately started looking and found a new undervalued oil company that was exploring for new underground oil reserves, which got my broker excited about the new company.I later bought sixty-five percent of its shares, a total of one.fifty thousand shares. In February 1997, the same friend drove past the same gas station as me.True enough, the price of gasoline per gallon has risen by almost fifteen percent, and the worried man is very worried and complains non-stop.I laughed, because in January 1997, that little oil company found oil, and since he first analyzed those numbers for me, I bought a .50,000 shares, and the price per share has now risen to more than three dollars.If my friend is right, the price of oil will continue to rise and my earnings will increase. The chicken in their hearts makes them close their minds instead of analyzing the problem.If most people understand that sideways (selling at predetermined lows) in the stock market means investment opportunities, more people will invest to make profits instead of investing to avoid losses.A sideways trade is like a computer order to automatically sell your shares when prices start to fall, helping you minimize losses and maximize gains.This is an excellent tool for those who are afraid of losing money. So whenever I hear people obsessing over their own I don't want and not paying attention to what they want, I know the noise in their head must be loud.The chick has taken over their minds and is yelling that the sky is falling and the toilet is broken.So, they avoid what they don't want, and pay a huge price for it. They may never get what they want in life. One way my rich dad taught me to look at chickens is to do it like Colonel Sanders.At the age of sixty-six, Colonel Sanders lost all his properties and began to live on Social Security, which was not enough, so he traveled the country selling his way of frying chicken.He was rejected a thousand and nine times before he finally answered in the affirmative.However, through unremitting efforts, he started his way to become a millionaire at an age when most people were about to give up.He was a brave and persevering man. Rich dad was talking about Harlan, the founder of KFC.Colonel Sanders. So if you're worried and a little scared, do what Colonel Sanders did with his own chick: Fry the chick. The third reason: laziness.Busy people are often the laziest people.We have heard the story of a businessman who worked hard to earn money, and he worked hard to provide better living conditions for his wife and children.He worked long hours in the office and took work home to do on weekends.One day, when he came home, he found that the building was empty, and his wife had left with the child.He already knew that he and his wife had some problems, but he would rather be busy with work than improve their relationship.Sadly his performance at work also took a dip and he ended up losing the job. I often meet people who are too busy working to take care of their health, and the reason is the same: they are busy, and they use busy work as a way to escape some problems they don't want to face.No one told them this, they covered up the problem.In fact, they are often offended if you remind them. If they're not busy with work or with their kids, they're often busy watching TV, fishing, golfing, or shopping.In short, covering up the problem allows them to avoid something important.This is the most common form of laziness, a laziness manifested through busyness. So, what can cure this inertia?The answer is to be greedy. For many of us, we grow up viewing greed or lust as something bad.Greedy people are bad people, Mom used to say.However, there is a longing in our hearts to have something that is beautiful, novel or exciting.Therefore, in order to control this desire, parents often try to teach us to use guilt to suppress this desire. You only think about yourself, don't you know there are brothers and sisters?This is a saying my mother often likes to say. What else do you want me to buy for you?My dad likes to say, don't you think we're cash cows?Do you think money falls from trees?You know we're not rich. There are many more words like this that have affected me and other children like me. There's another kind of parent who goes to the other extreme and they're like, I sacrificed my life to get this for you, I'm buying you this because I never got these things when I was a kid.I have a neighbor who is broke, but his garage is so full of his kids' toys that he can't park his car in the garage.Spoiled kids get whatever they ask for and I don't want them to taste poverty is what he says every day.He has nothing left for his kids to go to college or retire on their own, yet his kids have every toy on the market.As soon as he got a credit card recently, he took the children to Las Vegas to play.I did it all for the sake of the kids.He said to me as he left, with an air of deep self-sacrifice. In my opinion, neither of the above two education methods commonly used by parents can cultivate children's correct concept of money and investment awareness. Rich dad never used words like I can't pay for this. In my own home, this is what I hear a lot.But rich dad asked his children to say: How am I going to pay for this? .His reason is: I can't pay for this sentence confines your mind and prevents you from further thinking. How can I pay for this?It opens your mind and forces you to think and seek answers. But most of all, he thinks it's a lie that I can't pay for this, he firmly believes that the human spirit can do everything.The human spirit is very, very powerful, he used to say, you know you can do anything. However, there are always two voices in the human mind. The positive spirit encourages you to get what you want, while the lazy thought says: I can't pay for this. Get angry, and your lazy mind justifies its own lies.Your mind cries, come on, let's hit the gym, and the lazy mind says, but I'm so tired, I worked really hard today.Your spirit will say, I'm tired of living poor, let's get rich out of this life of toil, to which the lazy mind will say: The rich are greedy, and besides, it's nasty; it's not safe, and I may have a loss; I'm going to work as hard as I can, I have a lot of work to do; look what I have to do tonight, my boss wants me to finish it by tomorrow morning.I can't pay for the sadness and helplessness this brings, which can lead to disappointment, apathy, and even demoralization.How can I pay for this opens the door to joy and dreams of possibility.So rich dad wasn't too concerned with what I actually wanted to buy, he just wanted to create a stronger mind and a more vibrant spirit by getting us to keep thinking about how I could pay for it. So, he rarely buys me and Mike anything, instead he asks: How can you afford this? So including going to college, we paid for it with our own money.It is not the goal itself, but the process of reaching our desired goal, which is what he really wants us to learn. I feel the problem today is that millions of people feel guilty about their own greed, an old thought that they have inherited from their teenage years.They yearn for the finer things that life has to offer, but in the face of difficulty, most people subconsciously adjust themselves and make excuses: You can't have this, or you can't afford this. So how do you overcome laziness?The answer is to be a little more greedy, to have the courage to pursue and get the life you want.I remember a psych program on FM radio once making the suggestion that there's something here for me.On the show, a person sits down and needs to ask: If I'm healthy, sexy, and good-looking, what else am I going to do?Or what would my life be like if I stopped working?Or what would I do if I had all the money I needed?Use this way to inspire people's yearning and pursuit of a better life.Without a little greed, without a desire to have something better, there is no progress. The world progresses because we all want a better life, new inventions happen because we want better things, and we learn because we want better things.So whenever you find yourself avoiding what you know you should be doing, the only thing to ask yourself is: What is here that I deserve? 稍稍貪婪一點，這是治癒懶惰的最好辦法。 當然，就像任何事情都要有度一樣，過於貪婪就不好了。但我們必須要改掉長期以來形成的一味壓抑個人需要的社會意識，因為個人需要正是形成社會需求從而拉動經濟，促進社會發展進步的根源。要記住邁克爾．道格拉斯在電影《華爾街》中所說的：慾望是好事。富爸爸以另一種方式說：負罪感比慾望要糟，因為負罪感從身體裡搶走了靈魂。而對我來說，埃連娜．羅斯福說的好：做你心裡認為正確的事因為你不管怎麼做總會受到批評。如果你做的話，會受到指責；而你不做的話，還是會受到指責。 原因之四：習慣。我們的生活更多地反映我們的習慣而不是我們所受到的教育。上學時在看過明星阿諾德．施瓦辛格主演的電影《科南》以後，一位朋友說，我多想擁有像施瓦辛格那樣的身材，大部分男生都點頭表示同意。 但我聽說他實際上曾經很瘦弱。另一位朋友補充說。 是的，我也聽說過，另一位說道。我聽說他幾乎每天都泡在健身房裡。 沒錯，我敢打賭他不得不這樣。 不是的，那個崇拜者說，我肯定他天生如此。算了吧，我們不可能練成他那樣的體格，咱們別再談論施瓦辛格了，來喝點啤酒吧。 這是習慣控制行為的一個例子。我記得問到富爸爸有關富人的習慣問題，他沒有直接回答我，他像往常一樣希望我從實例中學習。 你爸爸什麼時候支付賬單？富爸爸問道。 每月初。I said. 那支付完賬單後他還有節餘的錢嗎？he asks. very few.I answer. 這就是他苦苦掙扎的主要原因，富爸爸說，他有一些壞習慣。 你爸爸總是首先支付給其他人，最後才支付給自己，而且這還得看他有無剩餘。 可他也不希望這樣，我說，但他不得不按時支付賬單，不是嗎？你是說他不應該支付賬單嗎？ 當然不是，富爸爸說，我堅持應該按時支付賬單，不同的只是我會安排好，並且首先支付給我自己。 但是如果你沒有足夠的錢，我問，你會怎麼辦呢？ 同樣的辦法，富爸爸說，我仍然首先支付自己，即使我缺錢。因為對我個人來說，我的資產項目比政府重要得多。 可是，我說，他們不會來找你的麻煩嗎？ 會的，如果你不支付的話，富爸爸說，但是你看，我並沒有說不支付。我只是說首先支付給我自己，即便是我缺錢。 但是，我又問，你是怎樣去做的呢？ 不是怎樣，而是為什麼。said rich dad. 那好，為什麼？ 動力，孩子，這完全是一個動力問題，富爸爸說，如果我不支付我自己或者不支付我的貸款人，你認為誰抱怨的聲音會更大些？ 當然是你的貸款人會比你叫的更響。一個顯而易見的回答，如果你不支付給自己的話，我想你什麼也不會說。 所以你看，在我把僅有的錢先支付給自己後，要支付稅款和其他貸款人的壓力就會變得非常大，迫使我去尋求其他形式的收入，支付的壓力成為我的動力。我會幹額外的工作，開其他公司，在股票市場上買賣多幾支股票以及去做任何可以使那些人不再向我叫喊的事。壓力迫使我努力工作，迫使我去思考，最重要的是迫使我在錢的問題上更精明、更積極主動。然而如果我像你爸爸一樣最後支付給自己，我就不會感到任何壓力，但我一定會因此而破產。 你是說因為你欠了政府機構或其他人的債，所以你對他們的擔心激勵了你？ 對，富爸爸說，你看，政府的徵稅者和其他的收賬者一樣需要面對，大部分人會向這種威勢屈服，於是他們先支付這些賬單卻克服自己的需要。你聽說過瘦弱的人被人欺負的故事吧？ I nodded. 好的，大部分人讓那些收賬的人把沙子踢到他們臉上，而我決定利用對這種人的恐懼來使我變得更加強壯，這樣做會使其他人變得更加虛弱。我迫使自己考慮如何掙到額外的錢就好比去健身房做負重練習，我思想上的金錢肌肉越發達，我就越強大。現在，我不再害怕這些人了。 我喜歡富爸爸說的話。所以，如果我也學會先支付我自己，我就會在財務上更強壯，嗅，應該是在精神上和財務上都更加強壯。 富爸爸點了點頭。 而如果我像我爸爸那樣最後支付自己，或根本就不支付，我就會變得更加虛弱，那麼我一生都會圍著老闆、經理、稅務官員。收賬員及地主們轉，僅僅因為我沒有良好的財務習慣。 富爸爸點頭稱是，就像體質虛弱的人一樣。 原因之五：傲慢。傲慢是無知的另一面。 我的知識給我帶來金錢，我所不知道的東西使我失去金錢。每次當我自高自大時，我真的相信我所不知道的東西並不重要。富爸爸經常這樣告訴我。 我發現許多人試圖用傲慢來掩飾自己的無知，甚至當我同會計甚至其他投資者討論財務報告時，這種事情也經常發生。 他們試圖用自吹自擂來贏得爭論，而我很清楚，這是因為他們不懂自己在談論什麼。 他們並沒有撒謊，只是沒有談出真相。 在資金、金融和投資領域，有許多人完全不知道自己在談論什麼。財經行業的大部分人喜歡滔滔不絕地誇誇其談，其實他們並沒有什麼真才實學。 如果你知道自己在某一問題上欠缺知識，不要試圖掩飾，因為那是在欺騙你自己，你應該做的是去找一位這一領域的專家或者找一本有關這一問題的書，馬上開始教育自己。