富爸爸,穷爸爸(英文版)-第6章

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ng　a　job；　low　pay　or　your　boss　for　your　problems。　You'll　live　life　hoping　for　that　big　break　that　will　solve　all　your　money　problems。〃
Rich　dad　looked　over　at　me　to　see　if　I　was　still　listening。　His　eyes　met　mine。　We　stared　at　each　other；　streams　of　munication　going　between　us　through　our　eyes。　Finally；　I　pulled　away　once　I　had　absorbed　his　last　message。　I　knew　he　was　right。　I　was　blaming　him；　and　I　did　ask　to　learn。　I　was　fighting。
Rich　dad　continued。　〃Or　if　you're　the　kind　of　person　who　has　no　guts；　you　just　give　up　every　time　life　pushes　you。　If　you're　that　kind　of　person；　you'll　live　all　your　life　playing　it　safe；　doing　the　right　things；　saving　yourself　for　some　event　that　never　happens。　Then；　you　die　a　boring　old　man。　You'll　have　lots　of　friends　who　really　like　you　because　you　were　such　a　nice　hard…working　guy。　You　spent　a　life　playing　it　safe；　doing　the　right　things。　But　the　truth　is；　you　let　life　push　you　into　submission。　Deep　down　you　were　terrified　of　taking　risks。　You　really　wanted　to　win；　but　the　fear　of　losing　was　greater　than　the　excitement　of　winning。　Deep　inside；　you　and　only　you　will　know　you　didn't　go　for　it。　　You　chose　to　play　it　safe。〃
Our　eyes　met　again。　For　ten　seconds；　we　looked　at　each　other；　only　pulling　away　once　the　message　was　received。
〃You've　been　pushing　me　around〃　I　asked。
〃Some　people　might　say　that；〃　smiled　rich　dad。　〃I　would　say　that　I　just　gave　you　a　taste　of　life。〃
〃What　taste　of　life？〃　I　asked；　still　angry；　but　now　curious。　Even　ready　to　learn。
〃You　boys　are　the　first　people　that　have　ever　asked　me　to　teach　them　how　to　make　money。　I　have　more　than　150　employees；　and　not　one　of　them　has　asked　me　what　I　know　about　money。　They　ask　me　for　a　job　and　a　paycheck；　but　never　to　teach　them　about　money。　So　most　will　spend　the　best　years　of　their　lives　working　for　money；　not　really　understanding　what　it　is　they　are　working　for。〃
I　sat　there　listening　intently。
〃So　when　Mike　told　me　about　you　wanting　to　learn　how　to　make　money；　I　decided　to　design　a　course　that　was　close　to　real　life。　I　could　talk　until　I　was　blue　in　the　face；　but　you　wouldn't　hear　a　thing。　So　I　decided　to　let　life　push　you　around　a　bit　so　you　could　hear　me。　That's　why　I　only　paid　you　10　cents。〃
〃So　what　is　the　lesson　I　learned　from　working　for　only　10　cents　an　hour？〃　I　asked。　〃That　you're　cheap　and　exploit　your　workers？〃
Rich　dad　rocked　back　and　laughed　heartily。　Finally；　after　his　laughing　stopped；　he　said；　〃You'd　best　change　your　point　of　view。　Stop　blaming　me；　thinking　I'm　the　problem。　If　you　think　I'm　the　problem；　then　you　have　to　change　me。　If　you　realize　that　you're　the　problem；　then　you　can　change　yourself；　learn　something　and　grow　wiser。　Most　people　want　everyone　else　in　the　world　to　change　but　themselves。　Let　me　tell　you；　it's　easier　to　change　yourself　than　everyone　else。〃
〃I　don't　understand；〃　I　said。
〃Don't　blame　me　for　your　problems；〃　rich　dad　said；　growing　impatient。
〃But　you　only　pay　me　10　cents。〃
〃So　what　are　you　learning？〃　rich　dad　asked；　smiling。
〃That　you're　cheap；〃　I　said　with　a　sly　grin。
〃See；　you　think　I'm　the　problem；〃　said　rich　dad。
〃But　you　are。〃
〃Well；　keep　that　attitude　and　you　learn　nothing。　Keep　the　attitude
that　I'm　the　problem　and　what　choices　do　you　have？〃
〃Well；　if　you　don't　pay　me　more　or　show　me　more　respect　and　teach　me；　I'll　quit。〃
〃Well　put；〃　rich　dad　said。　〃And　that's　exactly　what　most　people　do。　They　quit　and　go　looking　for　another　job；　better　opportunity；　and　higher　pay；　actually　thinking　that　a　new　job　or　more　pay　will　solve　the　problem。　In　most　cases；　it　won't。〃
〃So　what　will　solve　the　problem？〃　I　asked。　〃Just　take　this　measly　10　cents　an　hour　and　smile？〃
Rich　dad　smiled。　〃That's　what　the　other　people　do。　Just　accept　a　paycheck　knowing　that　they　and　their　family　will　struggle　financially。　But　that's　all　they　do；　waiting　for　a　raise　thinking　that　more　money　will　solve　the　problem。　Most　just　accept　it；　and　some　take　a　second　job　working　harder；　but　again　accepting　a　small　paycheck。〃
I　sat　staring　at　the　floor；　beginning　to　understand　the　lesson　rich　dad　was　presenting。　I　could　sense　it　was　a　taste　of　life。　Finally；　I　looked　up　and　repeated　the　question。　〃So　what　will　solve　the　problem？〃
〃This；〃　he　said　tapping　me　gently　on　the　head。　〃This　stuff　between　your　ears。〃
It　was　at　that　moment　that　rich　dad　shared　the　pivotal　point　of　view　that　separated　him　from　his　employees　and　my　poor　dad…and　led　him　to　eventually　bee　one　of　the　richest　men　in　Hawaii　while　my　highly　educated；　but　poor；　dad　struggled　financially　all　his　life。　It　was　a　singular　point　of　view　that　made　all　the　difference　over　a　lifetime。
Rich　dad　said　over　and　over；　this　point　of　view；　which　I　call　Lesson　No。　1。

〃The　poor　and　the　middle　class　work　for　money。〃　〃The　rich　have　money　work　for　them。〃

On　that　bright　Saturday　morning；　I　was　learning　a　pletely　different　point　of　view　from　what　I　had　been　taught　by　my　poor　dad。　At　the　age　of　9；　I　grew　aware　that　both　dads　wanted　me　to　learn。　Both　dads　encouraged　me　to　study。。。　but　not　the　same　things。
My　highly　educated　dad　remended　that　I　do　what　he　did。　〃Son；　I　want　you　to　study　hard；　get　good　grades；　so　you　can　find　a　safe；　secure　job　with　a　big　pany。　And　make　sure　it　has　excellent　benefits。〃　My　rich　dad　wanted　me　to　learn　how　money　works　so　I　could　make　it　work　for　me。　These　lessons　I　would　learn　through　life　with　his　guidance；　not　because　of　a　classroom。
My　rich　dad　continued　my　first　lesson；　〃I'm　glad　you　got　angry　about　working　for　10　cents　an　hour。　If　you　had　not　gotten　angry　and　had　gladly　accepted　it；　I　would　have　to　tell　you　that　I　could　not　teach　you。　You　see；　true　learning　takes　energy；　passion；　a　burning　desire。　Anger　is　a　big　part　of　that　formula；　for　passion　is　anger　and　love　bined。　When　it　es　to　money；　most　people　want　to　play　it　safe　and　feel　secure。　So　passion　does　not　direct　them：　Fear　does。〃
〃So　is　that　why　they'll　take　a　job　with　low　par？〃　I　asked。
〃Yes；〃　said　rich　dad。　〃Some　people　say　I　exploit　people　because　I　don't　pay　as　much　as　the　sugar　plantation　or　the　government。　I　say　the　people　exploit　themselves。　It's　their　fear；　not　mine。〃
〃But　don't　you　feel　you　should　pay　them　more？〃　I　asked。
〃I　don't　have　to。　And　besides；　more　money　will　not　solve　the　problem。　Just　look　at　your　dad。　He　makes　a　lot　of　money；　and　he　still　can't　pay　his　bills。　Most　people；　given　more　money；　only　get　into　more　debt。〃
〃So　that's　why　the　10　cents　an　hour；〃　I　said；　smiling。　〃It's　a　part　of　the　lesson。〃
〃That's　right；〃　smiled　rich　dad。　〃You　see；　your　dad　went　to　school　and　got　an　excellent　education；　so　he　could　get　a　high…paying　job。　Which　he　did。　But　he　still　has　money　problems　because　he　never　learned　anything　about　money　at　school。　On　top　of　that；　he　believes　in　working　for　money。〃
〃And　you　don't？〃　I　asked。
〃No；　not　really；〃　said　rich　dad。　〃If　you　want　to　learn　to　work　for　money；　then　stay　in　school。　That　is　a　great　place　to　learn　to　do　that。　But　if　you　want　to　learn　how　to　have　money　work　for　you；　then　I　will　teach　you　that。　But　only　if　you　want　to　learn。〃
〃Wouldn't　everyone　want　to　learn　that〃　I　asked。
〃No；〃　said　rich　dad。　〃Simply　because　it's　easier　to　learn　to　work　for　money；　especially　if　fear　is　your　primary　emotion　when　the　subject　of　money　is　discussed。〃
〃I　don't　understand；〃　I　said　with　a　frown。
〃Don't　worry　about　that　for　now。　Just　know　that　it's　fear　that　keeps　most　people　working　at　a　job。　The　fear　of　not　paying　their　bills。　The　fear　of　being　fired。　The　fear　of　not　having　enough　money。　The　fear　of
starting　over。　That's　the　price　of　studying　to　learn　a　profession　or　trade；　and　then　working　for　money。　Most　people　bee　a　slave　to　money。。。　and　then　get　angry　at　their　boss。〃
〃Learning　to　have　money　work　for　you　is　a　pletely　different　course　of　study？〃　I　asked。
〃Absolutely；〃　rich　dad　answered；　〃absolutely。〃
We　sat　in　silence　on　that　beautiful　Hawaiian　Saturday　morning。　My　friends　would　have　just　been　starting　their　Little　League　baseball　game。　But　far　some　reason；　I　was　now　thankful　I　had　decided　to　work　for　10　cents　an　hour。　I　sensed　that　I　was　about　to　learn　something　my　friends　would　not　learn　in　school。
〃Ready　to　learn？〃　asked　rich　dad。
〃Absolutely；〃　I　said　with　a　grin。
〃I　have　kept　my　promise。　I've　been　teaching　you　from　afar；〃　my　rich　dad　said。　〃At　9　years　old；　you've　gotten　a　taste　of　what　it　feels　like　to　work　for　money。　Just　multiply　your　last　month　by　fifty　years　and　you　will　have　an　idea　of　what　most　people　spend　their　life　doing。〃
〃I　don't　understand；〃　I　said。
〃How　did　you　feel　waiting　in　line　to　see　me？　Once　to　get　hired　and　once　to　ask　for　more　money？〃
〃Terrible；〃　I　said。
〃If　you　choose　to　work　for　money；　that　is　what　life　is　like　for　many　people；〃　said　rich　dad。
〃And　how　did　you　feel　when　Mrs。　Martin　dropped　three　dimes　in　your　hand　for　three　hours'　work？〃
〃I　felt　like　it　wasn't　enough。　It　seemed　like　nothing。　I　was　disappointed；〃　I　said。
〃And　that　is　how　most　employees　feel　when　they　look　at　their　paychecks。　Especially　after　all　the　tax　and　other　deductions　are　taken　out。　At　least　you　got　100　percent。〃
〃You　mean　most　workers　don't　get　paid　everything？〃　I　asked　with　amazement。
〃Heavens　no！〃　said　rich　dad。　〃The　government　always　takes　its　share　first。〃
〃How　do　they　do　that。〃　I　asked。
〃Taxes；〃　said　rich　dad。　〃You're　taxed　when　you　earn。　You're　taxed　when　you　spend。　You're　taxed　when　you　save。　You're　taxed　when　you　die。〃
〃Why　do　people　let　the　government　do　that　to　them？〃
〃The　rich　don't；〃　said　rich　dad　with　a　smile。　〃The　poor　and　the　middle　class　do。　I'll　bet　you　that　I　earn　more　than　your　dad；　yet　he　pays　more　in　taxes。〃
〃How　can　that　be？〃　I　asked。　As　a　9…year…old　boy；　that　made　no　sense　to　me。　〃Why　would　someone　let　the　government　do　that　to　them？〃
Rich　dad　sat　there　in　silence。　I　guess　he　wanted　me　to　listen　instead　of　jabber　away　at　the　mouth。
Finally；　I　calmed　down。　I　did　not　like　what　I　had　heard。　I　knew　my　dad　plained　constantly　about　paying　so　much　in　taxes；　but　really　did　nothing　about　it。　Was　that　life　pushing　him　around？
Rich　dad　rocked　slowly　and　silently　in　his　chair；　just　looking　at　me。
〃Ready　to　learn？〃　he　asked。
I　nodded　my　head　slowly。
〃As　I　said；　there　is　a　lot　to　learn。　Learning　how　to　have　money　work　for　you　is　a　lifetime　study。　Most　people　go　to　college　for　four　years；　and　their　education　ends。　I　already　know　that　my　study　of　money　will　continue　over　my　lifetime；　simply　because　the　more　I　Find　out；　the　more　I　find　out　I　need　to　know。　Most　people　never　study　the　subject。　They　go　to　work；　get　their　paycheck；　balance　their　checkbooks；　and　that's　it。　On　top　of　that；　they　wonder　why　they　have　money　problems。　Then；　they　think　that　more　money　will　solve　the　problem。　Few　realize　that　it's　their　lack　of　financial　education　that　is　the　problem。〃
〃So　my　dad　has　tax　problems　because　he　doesn't　understand　money？〃　I　asked；　confused。
〃Look；〃　said　rich　dad。　〃Taxes　are　just　one　small　section　on　learning　how　to　have　money　work　for　you。　Today；　I　just　wanted　to　find　out　if　you　still　have　the　passion　to　learn　about　money。　Most　people　don't。　They　want　to　go　to　school；　learn　a　profession；　have　fun　at　their　work；　and　earn　lots　of　money。　One　day　they　wake　up　with　big　money　problems；　and　then　they　can't　stop　working。　That's　the　price　of　only　knowing　how　to　work　for　money　instead　of　studying　how　to　have　money　work　for　you。　So