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《富爸爸穷爸爸》总结(动画)

Rich Dad Poor Dad Summary (Animated)

If you were stop working, image this to yourself.
试想一下 如果你停止工作
How long can you survive on your remaining savings?
你的存款能支撑你活多久?
what I just asked you was a definition of wealth.
实际上我这是在问你对财富的定义
Here is a man named Robert Kiyosaki,
这个男人叫罗伯特·清崎
an American investor, businessman,
一位美国的投资者 商人
author, motivational speaker and financial commentator
作家 励志演讲家和金融评论员
who became well-known in the recent years
近几年因个人的
who has an estimated net worth of 80 million dollars!
预估净资产达到了8亿美元而出名
Wanna know something interesting?
想听点有趣的事吗?
“oh?”
“噢?”
He wasn’t raised in a wealthy background.
他并非在富裕的环境下长大
In fact his family was like most people
实际上 他的家庭和大多数
who work but didn’t have the best financial education
要工作但没受过良好理财教育的家庭一样
and often times struggled with money.
时常因为钱而发愁
So then how did Robert become rich today?
那么罗伯特是如何变富的呢?
Let’s take a look as he explains in one of his bestsellers called
我们来看看他在自己的一本畅销书中的解释
Rich Dad Poor Dad
书名是《富爸爸穷爸爸》
记录生活 不断进步
Robert Kiyosaki was born in Hilo Hawaii in April 1947
罗伯特1947年4月出生于夏威夷希洛市
in 1957 at age nine years old,
1957年 他九岁的时候
little Robert was attending the same public school
小罗伯特被送到了一所
where the rich people sent their children,
富人们经常送自己孩子去的公立学校
for his town had lots of doctors, business owners, and bankers
因为这镇上有许多医生 企业家和银行家
Robert saw that the rich kids would separate themselves from him,
罗伯特注意到富人家的孩子们会孤立他
for his family wasn’t able to afford
因为他的父母无法像其他父母那样
the newest collections of toys and bikes like them.
为他买最新的玩具和自行车
So one day Robert asked his father
所以有天 罗伯特询问
who had a PhD and completed multiple universities with excellent degrees,
拥有博士学位和多所大学优秀学位的父亲
爸爸 怎样才能变有钱呢?
Unfortunately, his dad didn’t know the right answer
然而 他的父亲也不知道正确答案
because he was a rich himself,
因为父亲当时很有钱
so he responded with,
于是他回答
儿子 自己动脑想一想
“Stay in school, get good grades so you could find a safe and secured job.”
“在学校成绩优异 你就能找到稳定的工作”
His real dad is what he’ll be referred as poor dad.
罗伯特的父亲就是他所指的“穷爸爸”
He wasn’t poor at that time, in fact, he was making a lot of money,
那时候他父亲并不穷 事实上还赚了很多钱
but in the end, this man’s financial life takes a turn for the worse.
但最终 他父亲的财政状况恶化了
Now little Robert has a friend named Mike
小罗伯特有一个叫迈克的朋友
and which Mike’s father would be referred as rich dad,
而迈克的父亲就是罗伯特所指的“富爸爸”
who started mentoring Robert and his son Mike about how to really become rich.
他开始指导罗伯特和迈克怎样真正变得有钱
At this point in time, rich dad wasn’t really rich yet
那时 富爸爸其实还没那么富有
but soon became to be one of the wealthiest men in Hawaii.
但不久后 他就成为夏威夷最富有的人之一
So then, what did rich dad teach Robert?
那么 富爸爸教会了罗伯特什么呢?
Rich dad poured a strong financial foundation into these kids minds
富爸爸为孩子们灌输许多重要的法则
of many important principles.
打下了坚实的财务知识基础
To start off, the first lesson you need to know
首先 我们要知道的第一件事
is you must know the difference between an asset and a liability
就是必须要了解资产与负债的区别
and that you need to buy assets.
以及你需要购买资产
If you want to be rich
如果你想变得富有
this is all you really need to know and understand the most!
这就是真正最需要知道和理解的东西!
You see, the rich acquire assets
富人在获取资产的时候
and the poor and middle class acquire liabilities
穷人和中产阶级在负债
but sometimes they think they are assets.
但有时 他们把负债视为资产
The primary cause of financial struggle is simply not knowing
导致经济困难的首要原因
the difference between an asset and a liability.
就是不知道资产和负债的区别
OH! Right!
噢 对了
You don’t even know what an asset or liability is don’t you?
你甚至不知道资产和负债是什么 对吗?
An asset is something that puts money in my pocket.
资产就是让自己的口袋进钱的东西
A liability is something that takes money out of my pocket.
债务就是把钱从口袋里拿出去的东西
For instance
举个例子吧
let’s try cash flow pattern of a normal individual.
让我们来看看一个普通人的现金流动模式
收入 支出 资产 负债
This person right here earns his income from a job
这个人的收入来源于工资
and as expenses are things like food, clothes, entertainment, and transportation.
他的的开销包括食物 衣服 娱乐和交通
Unfortunately he doesn’t have assets
不幸的是他没有资产
but sure does have liabilities that constantly takes money out of his pocket
但却有一些负债会经常从他口袋里掏出钱
because things like mortgages, taxes credit cards, loans and believe it or not the house.
比如抵押 税务 信用卡 贷款甚至房子
Now let’s take a look at
现在让我们看看
how the cash flow pattern really work for the rich
现金流动模式是怎样为富人服务的吧
Instead of looking to earn more money from their normal job
他们并不把常规的工资视为
as the only source of income,
唯一的收入来源
they buy and own assets that brings money into their pockets
而是购买并持有让口袋进钱的资产
as a form of passive income.
这种收入叫被动收入
Passive income is something that earns money that doesn’t require you to trade your time for it,
被动收入是不需要花费时间就能赚钱的东西
so in other words you would be earning money even as you’re sleeping.
换句话说 你躺着睡觉的时候也能赚到钱
Examples of assets are businesses that doesn’t require your presence:
典型的资产就是一些无需亲力亲为的商业:
stocks bonds, mutual funds, income generating real estate,
股票 债券 共同基金 产生收入的房地产
royalties, notes, and anything else that has value that produces income.
版税 票据以及任何能增加收入的东西
As mentioned before, poor dad was making quite a lot of money from his job
如之前所说 穷爸爸能从工作中赚很多钱
but his expenses seemed to always keep up with his income,
但他的开销和收入却似乎总是持平
never allowing him to invest in assets.
以至于他没钱投资资产
As a result his liabilities such as his mortgages and credit card debts
最终 抵押和信用卡等负债随着时间推移
grew greater over time
变得越来越多
and this is the fault of having income equals expense
会产生这种结果是因为收入与支出持平
and assets is less than liabilities
资产少于负债
and sadly this is what drove poor dad into debt
令人难过的是 这导致穷爸爸直到过世
even after he passed away.
债务都没还清
On the other hand,
与此相反
rich dad’s personal financial statement reflects the result of a life
富爸爸的个人财务状况反映另一种人生结果
dedicated to investing and minimizing liabilities
他充分利用投资并且让负债最小化
so he has income that is greater than the expense
这样 富爸爸的收入要比支出多得多
because of assets is greater than liabilities.
因为他的资产比负债多
This is practically why the rich are getting richer!
这就是为什么富人会越来越富
嘿!他长得和我挺像!
Their assets generate more than enough income to cover expenses
他们的资产产生足够多的收入来支付费用
with the balance reinvested into the asset column.
剩余的金钱再投入资产
The asset column continues to grow and therefore the income grows with it.
资产随之变多 收入又会随之增长
You see, both dads worked hard,
你瞧 两个爸爸都努力工作
but they have opposing attitudes and thoughts.
但他们有着相反的态度和想法
One dad recommended study hard
穷爸爸的建议是努力学习
so you can find a good company to work for.
这样就能进个好公司工作
The other recommended study hard
富爸爸建议你努力学习
so you can find a good company to buy.
这样就可以买个好公司
One dad said the reason I’m not rich is because I have kids.
穷爸爸说 我不富裕是因为有孩子要养
The other said the reason I must be rich is because I have you kids.
富爸爸说 我必须要变富有 因为我要养你们
One said when it comes to money play it safe and don’t take risk.
穷爸爸的金钱观是不愿冒任何风险
The other said learn to manage your risk.
富爸爸则是学会控制风险
One said I can’t afford that.
穷爸爸说 我付不起
The other said how can I afford that?
富爸爸则说 怎样做我才能付得起
Although both men had tremendous respect for education and learning
虽然两个男人都非常重视教育和学习
they disagreed on what they thought was important to learn.
但他们不认为自己的想法重要到可以被学习
Robert learned from rich dad that
罗伯特从富爸爸那儿学到
the truth about the general population,
大部分人面临的真相是
their lives are run forever by two emotions, fear and greed,
他们的人生永远被恐惧和贪婪两种情感支配
that keeps you stuck in a pattern of get up, go to work, pay bill. Get up, go to work, and pay bills.
因此陷入起床 工作 付账的无限循环
Fear has them in this trap of working, earning money, working, earning money
恐惧使他们掉入不停工作和挣钱的陷阱
and hoping fear will go away of not having money.
希望这样做就能赶走没有钱的恐惧
Instead of confronting the fear they react emotionally instead of using their heads.
他们情绪化地面对恐惧 而非用头脑解决问题
The other emotion which is desire, some call it greed,
另一种情感是欲望 一些人也叫它贪婪
is a second reason why people also work for money.
它是人们为了钱去工作的第二个原因
They desire money for the joy that they think it could buy.
他们渴望金钱 因为认为钱可以买到快乐
But the joy that the money brings is often short-lived
但金钱带来的这种快乐通常是很短暂的
and soon needs more money for more joy,
并且很快就需要更多钱 来获得更多快乐
more pleasure, more comfort, and more security.
更多喜悦 安逸以及安全感
You see that same fear and desire is
你已经明白 正是这种恐惧和欲望
what makes a lot of people be so fanatical
让许多人都狂热地相信
about going to school for a better chance of a high paying job,
上学能有更多机会获得高薪工作
but don’t be discouraged an education and a job are important,
但也别因此沮丧 教育和工作的确重要
but it won’t exactly handle that fear.
但它们实际上不能帮你面对恐惧
To handle that fear,
为应对这一恐惧
you need to learn the power of money, not be afraid of it.
你需要学习金钱的力量 而不是害怕它
Unfortunately most schools don’t teach about this
不幸的是 许多学校并没有教这门课
and if you don’t learn it, you’ll become a slave to money.
而且你如果不去学 未来会变成金钱的奴隶
Ignorance of money can cause so much greed and so much fear that
对金钱的无知会产生许多贪欲和恐惧
can lead you into life’s biggest trap of constantly working.
这会使你的人生陷入不停工作的巨大陷阱
Rich Dad said
富爸爸说
“运用情绪去思考而不是情绪化地思考”
Examples of emotional thinking are like I need to get another job!
情绪化思考的例子就包括 我要换一份工作
I deserve a raise! I want this job because it is secured!
我值得升职 我想要这份工作因为它很稳定
Instead of clearly thinking like is there something I’m missing here?
而清晰的思考则是 我是不是漏掉了什么?
This is our reality for most people your profession is your income.
现实情况是 大多数人的收入来源是工作
The rich, your assets is your income.
而富人的收入来源则是资产
Apply these lessons to your life
把今日所学运用到生活中吧
for if I were to ask you about the definition of your wealth
如果我来问问你对自己财富的定义
if you would stop working today, how long can you survive?
如果从今天起停止工作 你能生存多久
You might laugh at me and say
你也许就会笑着对我说
我不再为了钱而工作 而是钱为了我工作
Thank you guys for watching! Click that like and that subscribe button if
谢谢大家的观看 如果想收看更多有用的视频
you want to see more helpful videos like this! I’ll see you guys later!
就点击下方的喜爱和订阅按钮吧 下次见

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视频概述

简述经典经济书籍《富爸爸穷爸爸》

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视频来源

https://www.youtube.com/watch?v=TcNpoc-lF0M

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