Tuto knihu od Roberta Kiyosakiho jsem měla v hledáčku již nějakou dobu. A když jsem ji objevila náhodou v cizojazyčných levných knihách ve Spálené ulici v Praze, musela být moje. Nikdy jsem nebyla dobrá v psaní čtenářského deníku, ale v této knize bylo několik postřehů, které si chci zkrátka zapsat.

Při čtení jsem chvílemi nevěděla, jestli číst dál, jestli vůbec něco z knihy bude aplikovatelné v mém případě. Ale zvědavost mi nedala a trochu jsem čekala, že na konci prozřím a za pár měsíců ze mě bude milionář 🙂 … no asi nebude.

Jeho styl zbohatnutí není zkrátka pro všechny. Jeho strategií je nákup levných nemovitostí (třeba během krize) a prodej později za několikanásobek nákupní ceny. Případně pronájem. A k tomu daňové úlevy. Navíc danění v USA funguje asi trochu jinak než v ČR.

Takže tak. A nyní k těm výňatkům. Četla jsme to v aj, takže i citace budou v aj. Některé výňatky nebudou znít bez kontextu tak jako tomu bylo v textu v knize. Citace: Robert T.Kiyosaki, Rich dad poor dad, RichDad.com, 1997.

• The rich don´t work for money
• Savers are loosers
• Your house is not your asset
• The rich people pay less in taxes
• The cone of learning (Edgar Dale)
• Change what you can
• Assests over income
• It´s not how much money you make. It´s how much money you keep.
• KISS principle: Keep it simple stupid / Keep it super simple
• An asset is something that puts money in your pocket whether you work or not. A liability is something that takes the money out of your pocket.
• The Golden rule: He who has the gold makes the rules.
• R.Buckminster Fuller: Wealth is a person´s ability to survive so many number of days forward – or if I stopped working today, how long could I survive?
• So while I am not yet rich, I am wealthy. I now have income generated from assets each month that fully cover my monthly expenses.
• The rich buy assets. The poor only have expenses. The middle class buy liabilities they think are assets.
• There is a big difference between your profession and your business.
• Financial struggle is often the result of people working all their lives for someone else.
• Real assets: Businesses that do not require my presence. Stocks, bonds, income-generating real estate, notes, intelectual property, …
• Rich people buy luxuries last, while the poor and middle class tend to buy luxuries first.
• Sometimes you win and sometimes you learn.
• We learn by making mistakes.
• When you need advi make sure you choose your advisor wisely.
• It is what you know that is your greatest wealth. It is what you do not know that is your greatest risk.
• There is always risk, so learn to manage risk instead of avoiding it.
• JOB is an acronym for „Just Over Broke“.
• Workers work hard enough to not be fired, and owners pay just enough so that wokers won’t quit.
• If you hate risk and worry, start early.
• I always tried to turn every disaster into an opportunity.
• Failure inspires winners. And failure defeats losers.
• Most people are so afraid of losing money that they lose. Financially, they play life too safe and too small. They buy big houses and big cars, but not big investments.
• FOCUS: Follow One Course Until Successful
• They’ve never done it, and they’re telling someone who’s doing it why they should’t.
• Doubt is expensive.
• I-don’t-wants hold the key to your success.
• The most common form of laziness: laziness by staying busy.
• Do what you feel in your heart to be right – for you’ll be criticized anyway.
• The pressure to pay becomes my motivation.
• Many people use arrogance to try to hide their own ignorance.
• What I know makes me money. What I don’t know loses me money.
• Our culture has educated us into believing that the love of money is the root of all evil. … It taught us not to worry about our financial future because our company or the government would take care of us when our working days are over.
• The gold is ewerywhere. Most people are not trained to see it.
• … their so-called intelligence combined with arrogance equals ignorance.
• You become what you study. … You become what you put in your head.
• The rich know that savings are only used to create more money, not to pay bills.
• God does not need to receive, but humans need to give.
• If you want something, you first need to give. … the story of the guy sitting with firewood in his arms on a cold, freezing night. He is yelling at the pot-bellied stove: „when you give me some heat, then I´ll put some wood in you!“.
• Stop doing what you are doing.
• Look for new ideas. For new investing ideas.
• Find someone who has done what you want to do.
• Take clases, read, and attend seminars.
• Small people remain small because they think small, act alone, or don´t act at all.
• Don´t play it safe. Play it smart.
• The key to becoming wealthy is the ability to convert earned income into passive income or portfolio income as quickly as possible.
• Warren Buffett: „Risk come from not knowing what you´re doing“.

Ke konci knihy ještě propaguje jeho hru CASHFLOW, která nevypadá špatně. Zároveň také obhajuje její cenu, která se některým zdá přemrštěná (i když česká verze je výrazně levnější než americká, prý tím vyšel vstříc českým poměrům), že díky tomu, že vám hra zvýší fianční IQ, ušetří / či vidělá vám dost peněz. A z recenzí na hru plyne, že z pohledu výuky financí je super, z pohledu milovníků deskových her prý nic moc. Taky to ale nebylo myšleno jako deskovka pro masy 🙂