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Text comes from the book: “Rich Dad's Investment Guide: Where and How the Rich Really Invest” (2015), Rich Dad Poor Dad: What the Rich Teach Their Children About Money ”(2016), Why the Rich Get Richer” (2018), More Important Than Money: Building the Perfect Team as a Founder or Entrepreneur ”(2018), Boosting Your Financial IQ: How to Be Smarter with Your Money” (2019), Rich Kid Smart Kid: The Perfect Start to Financial Freedom for Your Child ”(2019) & The Business of the 21st Century ”(2019), published by Münchener Verlagsgruppe (MVG), reprinted with the kind permission of the publisher.

Here writes for you:

Best of HR – Berufebilder.de®Robert T. Kiyosaki is the author of the international bestseller Rich Dad Poor Dad. 25 years ago he founded the Rich Dad Movement, which brings trading and investing expertise to thousands of people in numerous countries. He has written over 15 books and sold more than 26 million copies. Today he devotes himself to his favorite pastime, investing, and as a speaker passes on his knowledge to his fans at countless events.

Getting rich and staying without a job: Tips for financial literacy

It doesn't work without financial education, because if you want to get rich, you have to act like a rich man. These tips will help!

Best of HR – Berufebilder.de®

Rich father, poor father

I learned most things about economics from two people: my father, who was a very educated, high-level government employee, and my best friend's father, who left school after 8th grade and became a self-made millionaire. My real father had financial problems all his life and when he died he left little behind after many years of hard work. My best friend's father, on the other hand, became one of the richest men in Hawaii. I called these two men my "poor father" and my "rich father". I loved and admired my real father dearly, and I swore to myself that I would help as many people as possible avoid the painful humiliations and failures that had lined his path.

After I left home, I gained a lot of different experiences. I served in the Navy as a helicopter pilot in Vietnam. I got a job at Xerox, where I started as her worst salesperson and left years later as her best salesperson. After leaving Xerox, I built several international multi-million dollarCompany and was finally able to retire at the age of 47 to pursue my passion - teaching others how to build a fortune and lead the life you want instead of settling for mediocrity and resigning yourself with discontent.

Money - a question of attitude

I had two fathers, one rich and one poor. One was highly educated and intelligent. He had a doctorate and was able to acquire the knowledge of a four-year course in just two years. He then completed his doctoral studies at Stanford University, the University of Chicago and Northwestern University, where he received a full scholarship everywhere. The other father dropped out of school in eighth grade. Both men were successful in their careers and worked hard all their lives. Both made substantial incomes. Nevertheless, one of them had to struggle with financial difficulties all his life.

The other was later to become one of the wealthiest men in Hawaii. After his death, one left many millions of dollars for his family, various charities and his church. The other left open bills. Both men were strong, charismatic and influential. Both men gave me advice, but their recommendations were very different. Education was a high priority for both men, but they did not recommend the same subjects. If I had only one father, I should have accepted or rejected his advice. Since I had two fathers, this allowed me to choose between two different views - that of a rich man and that of a poor man. Instead of simply opting for one or the other view or rejecting it, I thought much more about it, made comparisons and then made an independent decision. The problem was that the rich man was not yet rich and the poor man was not yet poor.

Go to school, be hardworking and study

When I was little, my parents taught me the same formula for success that you probably learned too: go to school, study hard and get good grades so that you can later find a secure, well-paid job with nice fringe benefits - and become your employer take care of you. But this thinking belongs in the industrial age and we no longer live in the industrial age. Your employer won't look after you. The state will not care about you. Nobody will take care of you. We are living in a new age and the rules have changed. My parents believed in secure jobs, company pensions, social security and the state health system. These are all outdated, outdated ideas, leftovers from a bygone era.

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Today, job security is just a joke, and the very idea of ​​staying with an employer all your life - an ideal IBM so proudly advocated in its prime - is as anachronistic as a mechanical typewriter. Many believed they were on the safe side with their pension contributions. After all, the pensions were secured by top stock market values ​​and investment funds, so what could go wrong? As we now know, everything went wrong. The reason these once sacred cows no longer give milk is that they are all out of date: pensions, job security, old age security - all of these ways of thinking belong in the industrial age. We now live in the information age and have to think in a contemporary way. Fortunately, people are starting to listen and learn. It is sad that they must first be in need and distress to learn their lessons, but at least they learn their lessons from it. Every time we experience a major crisis - be it the dotcom bankruptcy, the economic aftermath of the terrorist attacks of September 11, 2001, the financial panic of 2008 or the recession of 2009 - more people realize that the old safety nets simply no longer exist hold. The myth about corporate groups is over. Perhaps you have spent years climbing the corporate ladder of such a corporation. Did you enjoy the view? You always had and still have the very best of your superior in front of your nose. This is what you are creeping up to.

Is your attitude to money the root of all evil?

When my two fathers were still at the beginning of their careers, they both struggled with financial and family challenges. But their opinions differed greatly on the subject of money. For example, one of my fathers said, "The love of money is the root of all evil." The other said, "The lack of money is the root of all evil." As a young boy, it was not easy for me to grow up with two strong father figures, the both influenced me equally. I wanted to be a good son and listen to her, but each of my fathers said otherwise. Their views were so fundamentally different, especially when it came to money, that it sparked my curiosity.

I started thinking longer about what my two fathers said. When I was alone, I spent a lot of time thinking. For example, I asked myself "Why does he say that?" And then also questioned my other father's point of view. It would have been much easier to say, "Yes, he's right. I see it that way, "or simply reject a point of view and say," The old man has no idea what he is talking about. "But since I had two fathers whom I loved both, I was instead forced to weigh and ultimately my own To find position. In the long run, it turned out to be much more valuable that I made my own decisions rather than simply accepting or rejecting a view. One of the reasons why the rich are getting richer, the poor are getting poorer and middle class members are dealing with debt is because money is taught at home and not at school. Most people learn that from their parents. But what can poor parents teach their children about money? You just say: "Get the school ready and study hard." The child may finish school with excellent grades, but with the financial imprint and mental attitude of a poor person. It has internalized it from an early age.

The power of self-thinking: Financial education is not a school subject

Money is not taught at school. Schools focus on academic and job-related subjects, not financial knowledge. This explains why clever bankers, doctors and tax consultants with excellent grades still struggle with financial difficulties all their lives. Much of our enormous public debt stems from our highly educated politicians and government officials, who make financial decisions without any financial training or little knowledge of money. I often think about the new millennium and wonder what will happen when millions of people need financial and medical support. They will be financially dependent on their family or the state.

What will happen if the state health insurance or pension insurance runs out of money? How can a nation survive if it remains up to parents to teach their children how to use money - even though they are mostly poor or will soon be? Since I had two influential fathers, I learned from both. I was forced to think about the advice of both fathers and learned the power and influence that my own thinking has on life. For example, one of my fathers had a habit of saying, "I can't afford that."

How can I afford it?

The other forbade us to use this wording. He insisted that we ask ourselves: "How can I afford that?" The first wording is a statement, the second is a question. The statement releases you from responsibility, the question makes you think. My father, who was about to get rich at the time, explained it as follows: If you automatically say, "I can't afford that," the brain stops working. The question "How can I afford that?", On the other hand, stimulates thought. He didn't mean that you should buy everything you want with this strategy. But he was obsessed with training the brain - the most powerful computer in the world. Both fathers worked hard. Still, I noticed that when it came to money, one of them had a habit of turning off the brain while the other was training it. In the long term, this meant that one father became financially stronger, the other weaker.

The difference is roughly the same as between a person who regularly trains in the gym and a person who only sits on the sofa and watches TV. Regular physical exercise increases your chances of good health, and regular mental training increases your chances of financial wealth. Laziness reduces both health and wealth.

Think the differences between rich and poor

My two fathers had opposite attitudes in their thinking. One thought that the rich should pay more taxes to support the less fortunate. The other said: "The tax punishes those who produce and rewards those who do not." One father recommended: "Study hard so that you can find a good company to work in." The other recommended: " Study diligently so that you can find a good company to buy. ”One said:“ You children are the reason for my poverty. ”The other said:“ For me, children are the incentive to get rich. ”He also encouraged conversation about money and business over dinner. The poorer, on the other hand, banned talking about money and said: "When it comes to money, be on the safe side, don't take any risks."

The rich man, on the other hand, said: "Learn to deal with risks." The poorer believed: "Our house is our greatest investment and our greatest fortune." The other believed: "My house is one of my liabilities and if your house is your greatest investment You're in trouble. ”Both fathers paid their bills on time, but one paid his bills immediately while the other paid his bills on the last possible date. One father believed that the company or the state had to take care of a person and their needs.

Worried about the next raise?

He was constantly concerned about raise, pension plans, health insurance, sick pay, paid vacation, and other voluntary employer benefits. He was impressed by two of his uncles who had joined the military and who had received a pension and a lifetime share package after 20 years of service. He liked the idea that they had medical care and enjoyed the special shopping privileges that the military also granted retirees. He also loved the system of university jobs. Life-long job security and work privileges sometimes seemed more important to him than work itself.

He often said: "I worked hard for the state and I have a right to these privileges!" The other believed in complete financial independence. He spoke out against "claim thinking" and said it made people weak and financially in need. He insisted on financial competence. One father tried to save a few dollars, the other simply invested. One taught me to write an impressive resume to find a good job, the other showed me how to write compelling business and finance plans to create jobs. Being the product of two strong fathers has given me the luxury of being able to observe the effects that different ways of thinking have on a person's life.

People shape their lives through their thoughts

I found that people actually shape their lives through their thoughts. For example, my poor father kept saying, "I'll never be rich." And his prophecy came true. My rich father, on the other hand, always described himself as rich. He said things like, "I'm a rich man and rich people don't do things like that." Even after he was totally broke after a major financial setback, he continued to call himself a rich man. He justified this with the following words: »It makes a difference whether you are poor or broke. Being broke is short-term, poor is forever. ”My poor father also said:“ I don't care about money ”or“ Money is not important ”. My rich father always said "money is power." Although the power of our thoughts can never be estimated or measured, when I was a little boy it became clear to me that I had to pay attention to what I thought and how I expressed myself. I found that my poor father was not poor because of his earnings - which was quite remarkable - but because of his attitude and actions.

As a little boy with two fathers, I realized that I had to think very carefully about what thoughts I wanted to adopt. Who should I listen to - my rich father or my poor father? Although both placed great emphasis on education and knowledge, they did not agree on what was important to learn. One wanted me to study hard, complete my studies and get a good job as a professional to work for money. The other encouraged me to study to get rich, to understand how money works, and to learn how to make it work for me. "I don't work for money" were his words, which he repeated regularly, "money works for me!"

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