Rich đa poor dad

     
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Since its debut in 1997, Robert T. Kiyosaki"s Robert Kiyosaki"s Rich Dad, Poor Dad has been a landmark among muốn personal finance books, a best-seller that has sold nearly 40 million copies worldwide.

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I first read the book back in 2000, when I was still a budding entrepreneur. I figured I would re-read it now that I have sầu more experience under my belt. I also wanted to lớn see if it"s held up lớn the kiểm tra of time, and if I would lượt thích it as much as I did when I first read Rich Dad, Poor Dad. A lot has happened financially in the past trăng tròn years, & I"m curious if some of Kyosaki"s predictions came true.
Our Rating - 8

8


While Robert Kiyosaki"s bestseller is recommended reading for starting entrepreneurs, this book does have some flaws. You should read this book just to lớn start thinking differently than the average employee, if not to lớn get motivated. However, take Kiyosaki"s advice with a grain of salternative text.

Read Rich Dad, Poor Dad

When I first read the book, I primarily liked how Kiyosaki viewed the world from a different perspective. It got me khổng lồ think differently about my business và investing than I had previously.

Kiyosaki seems lớn be a polarizing figure: You either love or hate his work. The Simple Dollar Reviews of Kiyosaki"s work, for example, adds a lot of personal bias, & I don"t think that"s fair.

I try to take a more neutral viewpoint and will đánh giá the book based upon my experience in the business world.

Rich Dad, Poor Dad should be viewed as a general starting point — an investment/startup summary, rather than a list of specific items khổng lồ vày as an entrepreneur.

Robert Kiyosaki emphasizes six key points throughout the book. These points — which differentiate between his “poor” dad (his real dad) và the “rich” dad that helped hyên underst& business & become wealthy — are:

The rich don’t work for money The importance of financial literacy Minding your own business Taxes & corporations The rich invent money The need lớn work khổng lồ learn & not khổng lồ work for money

Good Points in the Book

Flawed Educational System

As Robert mentions many times in the book, our traditional educational system is flawed. Our education system is designed primarily khổng lồ create employees and could be a negative sầu influence for an entrepreneur. As Kiyosaki mentions, he"s not suggesting that people skip higher education; he"s suggesting higher education does not assist with “street smarts.” Financial literacy is something that is rarely discussed in school, and if it is discussed, it is only at basic levels. Based upon my personal background, I"ve made this a personal focus và will make sure my children are well educated in this subject.

The cost of education continues to increase much faster than the rate of inflation. It"s becoming more clear our education system is broken. Robert"s statements about this topic are accurate.

Being an Entrepreneur Is Less Risky

The popular belief is that owning a business is riskier than working for someone else. In my opinion, owning a business gives you all sorts of self-reliance skills you would not get when working for someone else. If anything, with today"s “cradle lớn grave” mentality, we are creating more dependent individuals.

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Owning a business has given me much more independence and many more invaluable skills I could still use if I were to work for someone else. On a weekly basis, I now vì things I used to lớn consider risky or could never imagine doing before owning a business.

Your Primary Residence Is NOT an Asset

Over the years it generally has been accepted that your primary residence is an asset. Robert flat-out states (I believe sầu correctly) that your trang chính is not an asmix, since it does not generate positive sầu cash flow. The housing bubble & collapse proved this correct.

“Rich people acquire assets. The poor và middle class acquire liabilities, but they think they are assets.”

While rental properties have also gone down in value, if you focus on positive sầu cash flow, you still are bringing in money every month. Robert even states in his book that trang chính values vì not always go up.

Pretty much all consumable goods are liabilities — something even I got tripped up with. Kiyosaki states you should buy investments that generate cash flow khổng lồ help pay for your “doodads.” I think this is a great way to lớn look at how to purchase your toys.

What Is an Asmix or Liability?

“An asphối is something that puts money in my pocket. A liability is something that takes money out of my pocket.”

A load of Kiyosaki"s critics point out that this statement doesn"t follow general accounting standards. This is true, và Robert acknowledges this. The point, which many miss, is that you should be focusing on cash flow khổng lồ get wealthy.

“Wealth is a person’s ability khổng lồ survive sầu so many number of days forward… or if I stopped working today, how long could I survive?”

I still refer baông xã lớn this statement today và have sầu devoted a few posts to lớn this topic:

Complaints About the Book

There are many reports that Robert"s “Rich Dad” does not exist và was made up. This is more than likely true, but there have been many personal finance books that are works of fiction. (The book Wealthy Barber comes lớn mind.)

The issue some people have sầu with Robert is that he presents his book as a work of non-fiction when it"s not, và I agree with this complaint. I find it interesting that John Reed"s website puts down Robert"s work, but at the same time also sells Reed"s own work.

Robert does downplay the role of risk in the investment suggestions. This is somewhat accurate, but he suggests that you should fully underst& your investments before diving in. Robert states that investing is risky only if you don"t fully underst& what you are investing in.

Summary

While I still recommkết thúc this book, especially for beginning entrepreneurs, the book has some flaws. In my opinion, many topics he discusses hold the chạy thử of time. But take some of what Robert Kiyosaki says with a grain of salternative text. It should be read, if not for the motivation, just to get you to think differently than a salaried employee. I don"t love sầu or hate it, hence the reason why I give this book 3 out of 5 stars.

If you vị decide to lớn read Robert"s books, I recommend reading only Rich Dad, Poor Dad & Rich Dad"s Cashflow Quadrant. Most of the other books are simply a rehash of these two books. I DO NOT recommend attending any local seminars.

I will keep his book on my danh mục of best personal finance books for the primary reason to get you to lớn think outside the box.


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