《穷爸爸富爸爸》英文版读书笔记
以下文章选自《读卷》
本书推荐指数：英语词汇量高中毕业水平就可以阅读，大量通俗易懂的词汇，言简意深。
很多人都读过《穷爸爸富爸爸》的中文版，我也看到很多网上阅读推荐内容把这本书作为投资入门读物。本书作者罗伯特·清崎，是一位日裔美国人。有关于书的总体内容我觉得没有必要逐一赘述，只是从我的阅读视角选取有意义的篇段详述。
本书作者提到的两个爸爸一个是自己的亲生父亲穷爸爸，另一个是自己好朋友的父亲富爸爸，作者自己的父亲是一位受过高等教育的大学教授，富爸爸是一位高中没有毕业，但是善于投资理财的企业家。穷爸爸虽然接受过良好的教育，但是一生还是为钱所困，富爸爸受教育程度低但是思维开阔，勇于尝试，所以积累了丰厚的财富。作者认为自己的爸爸和朋友爸爸的差异是对待财富的态度所致，也就是书中提到的财商（financial intelligence）。这两个爸爸的观点无对错之分，只是追求不同而已，穷爸爸对资本既害怕又想要，相反的是富爸爸渴望财富并且大胆的去追求。一个是 work for money, 另一个是 money work for me.
刚开始书中提到了两个概念，就是资产(assets)和负债(liabilities)，作者认为很多人一生也没有搞清楚这两个概念。我的通俗理解是，资产可以是物质也可以是金钱，但是可以不断地从中抽取资本，负债就是不断地需要你往出拿钱。作者认为人们平常所说的房子车子也是属于负债，而不是资产。除非你买的房子是租出去每个月会产生一定的收益。但是从另外一种角度看作者的观点也有点偏颇，毕竟在中国房子也算是大多数人的首选投资，这种负债也是迫不得已。
One believed, “Our home is our largest investment and our greatest asset.” The other believed, “My house is a liability, and if your house is your largest investment, you’re in trouble.”
读完这段话是不是觉得词汇通俗易懂。
One dad believed in a company or the government taking care of you and your needs. He was always concerned about pay raises, retirement plans, medical benefits, sick leave, vacation days, and other perks. He was impressed with two of his uncles who joined the military and earned a retirement-and-entitlement package for life after twenty years of active service. He loved the idea of medical benefits and PX privileges the military provided its retirees. He also loved the tenure system available through the university. The idea of job protection for life and job benefits seemed more important, at times,than the job. He would often say, “I’ve worked hard for the government, and I’m entitled to these benefits.”
下面这段话是富爸爸告诉作者的话，仔细读一下还觉得有一定的道理，要从生活中学到这一课也不容易：
“If you learn life’s lessons, you will do well. If not, life will just continue to push you around. People do two things. Some just let life push them around. Others get angry and push back. But they push back against their boss, or their job, or their husband or wife. They do not know it’s life that’s pushing.”
“Life pushes all of us around. Some people give up and others fight. A few learn the lesson and move on. They welcome life pushing them around. To these few people, it means they need and want to learn something. They learn and move on. Most quit, and a few like you fight.”
根据我的阅读体验，我把这本书简单归纳为八个观点，但是这只是我的粗略推荐，主要还是你自己要阅读。
观点一：改变自己比改变别人要好很多。也有说法改变自己是神，改变别人是神经病。
Stop blaming me and thinking I’m the problem. If you think I’m the problem, then you have to change me. Ifyou 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.”
观点二：告别恐惧和欲望。恐惧是什么，恐惧就是你对未知的一切都很害怕，你害怕改变，害怕失去。欲望是每个人都有的，但是过度的欲望就是想要得到不属于自己的东西或者一口吞大象。
“I just wangt you boys to have a chance to avoid the trap caused by those two emotions, fear and desire.”
"If you don't first handle fear and desire, and you get rich, you'll only be a highly paid slave."
Most people use fear and greed against themselves. That’s the start of ignorance. Most people live their lives chasing paychecks, pay raises and job security because of the emotions of desire and fear, not really questioning where those emotion-driven thoughts are leading them. It’s just like the picture of a donkey dragging a cart with its owner dangling a carrot just in front of its nose. The donkey’s owner may be going where he wants to, but the donkey is chasing an illusion. Tomorrow there will only be another carrot for the donkey.”
小时候你的玩具是一个塑料娃娃，长大后你的玩具是一辆车、一艘船、一个大房子，想让你的朋友羡慕你，作者认为这些都是资本的陷阱，是欲望推着你往前走。人的恐惧和欲望是被无知放大的，钱就是让驴奔着往前走的那只胡萝卜，驴要是知道自己是被胡萝卜不断吸引着转圈的整个画面，它有可能会坐下来歇一会。当然很多人都是打工人，作者写书的时候站的位置还是有点高。
谁能把万恶的资本主义怎么样。作者云：History proves that great cililizations collapse when the gap between the haves and have-nots is too great. 但是不管什么年代来临，穷人往往是受伤最深的。
观点三：你赚了多少钱不重要，持有多少资产才是重点。有人买彩票中奖后没过多久又跌入贫困，原因是不会理财。
Most people fail to realize that in life, it’s not how much money youmake. It’s how much money you keep. We’ve all heard stories of lottery winners who are poor, then suddenly rich, and then poor again.
观点四：房子到底是不是资产。对很多人而言买房是毕生的梦想也是最大的投资，作者也认为有自己的房子比什么都好，但是房子也不一定永远都会增值，而且负债三十年。不过作者也说了房子毕竟是承载情感的东西，也不单从投资的角度看待。
Today, people still challenge me on the idea of a house not being an asset. I know that for many people, it is their dream as well as their largest investment. And owning your own home is better than nothing. I simply offer an alternate way of looking at this popular dogma. If my wife and I were to buy a bigger, flashier house, we realize it wouldn’t be an asset. It would be a liability since it would take money out of our pocket.
So here is the argument I put forth. I really don’t expect most people to agree with it because your home is an emotional thing and when it comes to money, high emotions tend to lower financial intelligence. I know from personal experience that money has a way of making every decision emotional.
观点五：穷人花钱，富人买资产，中产阶级把负债的东西当资产。富人是用资产衍生出的钱买珠宝买享受，穷人和中产阶级是想看起来有钱实际上负债。真正的奢侈品是正确投资的馈赠品。
An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first. The poor and the middle class often buy luxury items like big houses, diamonds, furs, jewelry, or boats because they want to look rich. They look rich, but in reality they just get deeper in debt on credit. The old-money people, the long-term rich, build their asset column first. Then the income generated from the asset column buys their luxuries. The poor and middle class buy luxuries with their own sweat, blood, and children’s inheritance.
观点六：让金钱为你打工。这个对大多数人讲比较难办到，毕竟打工人能养活自己已经不错了，更别说更高层级的投资。那么作者提到第一步就是打工积累财富，开源节流，然后开启投资的大门。下面这部分是穷爸爸的思维：
My highly educated dad always encouraged me to land a good job with a strong corporation. He spoke of the virtues of “working your way up the corporate ladder.” He didn’t understand that, by relying solely on a paycheck from a corporate employer, I would be a docile cow ready for milking. （变成一只驯化后的奶牛等着被挤奶）
观点七：学校学的东西和外面的世界有点gap。作者很小的时候认识了好朋友的爸爸，富爸爸教他从另外一个角度看待学校教育，他认为学校教给你的是专业知识，这些专业知识的最终归宿是把你变成一个打工人，在自己的专业背景下不断努力，最终也只是混一个温饱，并没有教会你跳出这个框架，设想这些背后的思维。当然也是各种行业大量存在的打工人才能推进社会的发展，如果都是资本家那么社会就不会前进了，毕竟80%的财富在20%的人手中。作者下面提到了一些比学校分数更重要的东西，多读几遍就不要一直盯着孩子的分数不放了：
Once we leave school, most of us know that it is not so much a matter of college degrees or good grades that count. In the real world outside of academics, something more than just grades is required. I have heard it called many things; guts, chutzpah, balls, audacity, bravado, cunning, daring, tenacity, and brilliance. This factor, whatever it is labeled, ultimately decides one’s future much more than school grades do.
观点八：想得到什么东西就去施舍吧。这倒也有些宗教色彩，佛教和基督教都提倡给予。《水浒传》里面的宋江到处施舍钱财，最终也收获了一帮忠实的追随者。都听说过互惠这个词，帮助别人隐含意义就是帮助自己，那么慷慨的施舍就变得很珍贵，把微笑、友谊和爱都给予别人，自然也会得到这些东西。下面这部分值得反复读一读：
“If you want something, you first need to give,” he would always say. When he was short of money, he gave money to his church or to his favorite charity.
If I could leave one single idea with you, it is that idea. Whenever you feel short or in need of something, give what you want first and it will come back in buckets. That is true for money, a smile, love, or friendship. I know it is often the last thing a person may want to do, but it has always worked for me. I trust that the principle of reciprocity is true, and I give what I want. I want money, so I give money, and it comes back in multiples. I want sales, so I help someoneelse sell something, and sales come to me. I want contacts, and I helpsomeone else get contacts. Like magic, contacts come to me. I heard a saying years ago that went: “God does not need to receive, but humansneed to give.”
My rich dad would often say, “Poor people are more greedy than rich people.” He would explain that if a person was rich, that person was providing something that other people wanted. In my life, whenever I have felt needy or short of money or short of help, I simply went out or found in my heart what I wanted, and decided to give it first. And when I gave, it always came back.
这本书看着标题好像是讲成功学的书，或者说快速致富的书，其实作者作为一个成功商人，只不过把自己经历过的有关金钱的认识总结了一些干货，而且用词也很通俗，道理也有借鉴意义，文章里面没有拽出一堆生僻的专业词汇。如果想读英文原版书，这本书也是不错的选择，顺便还可以学点投资的知识，尽管没钱投资。
如果有对这本书感兴趣的人可以后台发送你的邮箱，我发送电子书。
欢迎转发！
本书推荐指数：英语词汇量高中毕业水平就可以阅读，大量通俗易懂的词汇，言简意深。
很多人都读过《穷爸爸富爸爸》的中文版，我也看到很多网上阅读推荐内容把这本书作为投资入门读物。本书作者罗伯特·清崎，是一位日裔美国人。有关于书的总体内容我觉得没有必要逐一赘述，只是从我的阅读视角选取有意义的篇段详述。
本书作者提到的两个爸爸一个是自己的亲生父亲穷爸爸，另一个是自己好朋友的父亲富爸爸，作者自己的父亲是一位受过高等教育的大学教授，富爸爸是一位高中没有毕业，但是善于投资理财的企业家。穷爸爸虽然接受过良好的教育，但是一生还是为钱所困，富爸爸受教育程度低但是思维开阔，勇于尝试，所以积累了丰厚的财富。作者认为自己的爸爸和朋友爸爸的差异是对待财富的态度所致，也就是书中提到的财商（financial intelligence）。这两个爸爸的观点无对错之分，只是追求不同而已，穷爸爸对资本既害怕又想要，相反的是富爸爸渴望财富并且大胆的去追求。一个是 work for money, 另一个是 money work for me.
刚开始书中提到了两个概念，就是资产(assets)和负债(liabilities)，作者认为很多人一生也没有搞清楚这两个概念。我的通俗理解是，资产可以是物质也可以是金钱，但是可以不断地从中抽取资本，负债就是不断地需要你往出拿钱。作者认为人们平常所说的房子车子也是属于负债，而不是资产。除非你买的房子是租出去每个月会产生一定的收益。但是从另外一种角度看作者的观点也有点偏颇，毕竟在中国房子也算是大多数人的首选投资，这种负债也是迫不得已。
One believed, “Our home is our largest investment and our greatest asset.” The other believed, “My house is a liability, and if your house is your largest investment, you’re in trouble.”
读完这段话是不是觉得词汇通俗易懂。
One dad believed in a company or the government taking care of you and your needs. He was always concerned about pay raises, retirement plans, medical benefits, sick leave, vacation days, and other perks. He was impressed with two of his uncles who joined the military and earned a retirement-and-entitlement package for life after twenty years of active service. He loved the idea of medical benefits and PX privileges the military provided its retirees. He also loved the tenure system available through the university. The idea of job protection for life and job benefits seemed more important, at times,than the job. He would often say, “I’ve worked hard for the government, and I’m entitled to these benefits.”
下面这段话是富爸爸告诉作者的话，仔细读一下还觉得有一定的道理，要从生活中学到这一课也不容易：
“If you learn life’s lessons, you will do well. If not, life will just continue to push you around. People do two things. Some just let life push them around. Others get angry and push back. But they push back against their boss, or their job, or their husband or wife. They do not know it’s life that’s pushing.”
“Life pushes all of us around. Some people give up and others fight. A few learn the lesson and move on. They welcome life pushing them around. To these few people, it means they need and want to learn something. They learn and move on. Most quit, and a few like you fight.”
根据我的阅读体验，我把这本书简单归纳为八个观点，但是这只是我的粗略推荐，主要还是你自己要阅读。
观点一：改变自己比改变别人要好很多。也有说法改变自己是神，改变别人是神经病。
Stop blaming me and thinking I’m the problem. If you think I’m the problem, then you have to change me. Ifyou 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.”
观点二：告别恐惧和欲望。恐惧是什么，恐惧就是你对未知的一切都很害怕，你害怕改变，害怕失去。欲望是每个人都有的，但是过度的欲望就是想要得到不属于自己的东西或者一口吞大象。
“I just wangt you boys to have a chance to avoid the trap caused by those two emotions, fear and desire.”
"If you don't first handle fear and desire, and you get rich, you'll only be a highly paid slave."
Most people use fear and greed against themselves. That’s the start of ignorance. Most people live their lives chasing paychecks, pay raises and job security because of the emotions of desire and fear, not really questioning where those emotion-driven thoughts are leading them. It’s just like the picture of a donkey dragging a cart with its owner dangling a carrot just in front of its nose. The donkey’s owner may be going where he wants to, but the donkey is chasing an illusion. Tomorrow there will only be another carrot for the donkey.”
小时候你的玩具是一个塑料娃娃，长大后你的玩具是一辆车、一艘船、一个大房子，想让你的朋友羡慕你，作者认为这些都是资本的陷阱，是欲望推着你往前走。人的恐惧和欲望是被无知放大的，钱就是让驴奔着往前走的那只胡萝卜，驴要是知道自己是被胡萝卜不断吸引着转圈的整个画面，它有可能会坐下来歇一会。当然很多人都是打工人，作者写书的时候站的位置还是有点高。
谁能把万恶的资本主义怎么样。作者云：History proves that great cililizations collapse when the gap between the haves and have-nots is too great. 但是不管什么年代来临，穷人往往是受伤最深的。
观点三：你赚了多少钱不重要，持有多少资产才是重点。有人买彩票中奖后没过多久又跌入贫困，原因是不会理财。
Most people fail to realize that in life, it’s not how much money youmake. It’s how much money you keep. We’ve all heard stories of lottery winners who are poor, then suddenly rich, and then poor again.
观点四：房子到底是不是资产。对很多人而言买房是毕生的梦想也是最大的投资，作者也认为有自己的房子比什么都好，但是房子也不一定永远都会增值，而且负债三十年。不过作者也说了房子毕竟是承载情感的东西，也不单从投资的角度看待。
Today, people still challenge me on the idea of a house not being an asset. I know that for many people, it is their dream as well as their largest investment. And owning your own home is better than nothing. I simply offer an alternate way of looking at this popular dogma. If my wife and I were to buy a bigger, flashier house, we realize it wouldn’t be an asset. It would be a liability since it would take money out of our pocket.
So here is the argument I put forth. I really don’t expect most people to agree with it because your home is an emotional thing and when it comes to money, high emotions tend to lower financial intelligence. I know from personal experience that money has a way of making every decision emotional.
观点五：穷人花钱，富人买资产，中产阶级把负债的东西当资产。富人是用资产衍生出的钱买珠宝买享受，穷人和中产阶级是想看起来有钱实际上负债。真正的奢侈品是正确投资的馈赠品。
An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first. The poor and the middle class often buy luxury items like big houses, diamonds, furs, jewelry, or boats because they want to look rich. They look rich, but in reality they just get deeper in debt on credit. The old-money people, the long-term rich, build their asset column first. Then the income generated from the asset column buys their luxuries. The poor and middle class buy luxuries with their own sweat, blood, and children’s inheritance.
观点六：让金钱为你打工。这个对大多数人讲比较难办到，毕竟打工人能养活自己已经不错了，更别说更高层级的投资。那么作者提到第一步就是打工积累财富，开源节流，然后开启投资的大门。下面这部分是穷爸爸的思维：
My highly educated dad always encouraged me to land a good job with a strong corporation. He spoke of the virtues of “working your way up the corporate ladder.” He didn’t understand that, by relying solely on a paycheck from a corporate employer, I would be a docile cow ready for milking. （变成一只驯化后的奶牛等着被挤奶）
观点七：学校学的东西和外面的世界有点gap。作者很小的时候认识了好朋友的爸爸，富爸爸教他从另外一个角度看待学校教育，他认为学校教给你的是专业知识，这些专业知识的最终归宿是把你变成一个打工人，在自己的专业背景下不断努力，最终也只是混一个温饱，并没有教会你跳出这个框架，设想这些背后的思维。当然也是各种行业大量存在的打工人才能推进社会的发展，如果都是资本家那么社会就不会前进了，毕竟80%的财富在20%的人手中。作者下面提到了一些比学校分数更重要的东西，多读几遍就不要一直盯着孩子的分数不放了：
Once we leave school, most of us know that it is not so much a matter of college degrees or good grades that count. In the real world outside of academics, something more than just grades is required. I have heard it called many things; guts, chutzpah, balls, audacity, bravado, cunning, daring, tenacity, and brilliance. This factor, whatever it is labeled, ultimately decides one’s future much more than school grades do.
观点八：想得到什么东西就去施舍吧。这倒也有些宗教色彩，佛教和基督教都提倡给予。《水浒传》里面的宋江到处施舍钱财，最终也收获了一帮忠实的追随者。都听说过互惠这个词，帮助别人隐含意义就是帮助自己，那么慷慨的施舍就变得很珍贵，把微笑、友谊和爱都给予别人，自然也会得到这些东西。下面这部分值得反复读一读：
“If you want something, you first need to give,” he would always say. When he was short of money, he gave money to his church or to his favorite charity.
If I could leave one single idea with you, it is that idea. Whenever you feel short or in need of something, give what you want first and it will come back in buckets. That is true for money, a smile, love, or friendship. I know it is often the last thing a person may want to do, but it has always worked for me. I trust that the principle of reciprocity is true, and I give what I want. I want money, so I give money, and it comes back in multiples. I want sales, so I help someoneelse sell something, and sales come to me. I want contacts, and I helpsomeone else get contacts. Like magic, contacts come to me. I heard a saying years ago that went: “God does not need to receive, but humansneed to give.”
My rich dad would often say, “Poor people are more greedy than rich people.” He would explain that if a person was rich, that person was providing something that other people wanted. In my life, whenever I have felt needy or short of money or short of help, I simply went out or found in my heart what I wanted, and decided to give it first. And when I gave, it always came back.
这本书看着标题好像是讲成功学的书，或者说快速致富的书，其实作者作为一个成功商人，只不过把自己经历过的有关金钱的认识总结了一些干货，而且用词也很通俗，道理也有借鉴意义，文章里面没有拽出一堆生僻的专业词汇。如果想读英文原版书，这本书也是不错的选择，顺便还可以学点投资的知识，尽管没钱投资。
如果有对这本书感兴趣的人可以后台发送你的邮箱，我发送电子书。
欢迎转发！
