Without financial Education It's not possible, because if you want to get rich, you have to act like a rich man. These tips will help!

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Rich father, poor father

I learned most things about that Economy by two people: my father, who was a highly educated, high-level government official, and my best friend's father, who dropped out of school after 8th grade and became a self-made millionaire. My real father had financial problems all his life Problems and when he died, he left little for his many years of hard work. On the other hand, my best friend's father 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 very much and swore to myself that I would love so many People would help as much as possible to avoid the painful humiliations and failures that had skirted his path.

After moving away from home, I had a lot of different experiences. I served in the Navy as a helicopter pilot in Vietnam. I took a job at Xerox where I considered their worst Seller started and years later, as their best salesman, they dropped out. After leaving Xerox, I built several multi-million dollar internationalCompany and was finally able to retire at the age of 47 to pursue my passion - teaching others how to be assets builds up and can live the life you want, instead of being satisfied with mediocrity and resigning in a sullen mood.

Money - a question of attitude

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I had two fathers, one rich and one poor. One was highly educated and intelligent. He had a Ph.D. and suited it up Background 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, all of which he received full scholarships. The other father dropped out of school in eighth grade. Both men were professional successfully and worked hard all their lives. Both scored considerable Income. Nevertheless, one had to struggle with financial difficulties throughout his life.

The other would later become one of the richest men in Hawaii. After his death he left one of his Family, various charities and his church many millions of dollars. The other left open accounts. Both men were strong, charismatic and influential. Both men gave me advice, but their recommendations were very different. Both men valued education, but did not recommend the same majors. If I had only had one father, I would have had to take his advice or reject it. Having two fathers enabled me to Choice between two different perspectives - that of a rich man and that of a poor man. Instead of simply acknowledging one or the other point of view decide or rejecting them, I thought about it a lot more, made comparisons, and then made one of my own decision. The problem was that the rich man wasn't rich yet and the poor man wasn't poor yet.

Go to school, be hardworking and study

When I was little, my parents taught me the same formula for success that you probably learned: go to school, study hard, and get good grades so that you can have a secure, well-paid job later Workplace with nice fringe benefits - and your employer will take care of you. But this thinking belongs in the industrial age and we no longer live in the industrial age. Your employer will not take care of you. The state will not take care of you. Nobody will take care of you. We live in a new age and the Regulate have changed. My parents believed in secure jobs, company pensions, social security and the public health system. These are all worn out, obsolete ideas, remnants of a bygone era.

Today, job security is a joke, and the mere idea of ​​staying with one employer for life—an ideal IBM so proudly advocated in its prime—is as anachronistic as a mechanical typewriter. Many believed that their pension contributions kept them safe. After all, the pensions were backed 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 aren't milking anymore is because they're all outdated: pensions, job security, retirement security—all of these ways of thinking belong to the industrial age. However, we are now living in the information age and need to think in a contemporary way. Fortunately, people are beginning to listen and learn. It is sad that they must first suffer need and come into distress in order to learn their lessons, but at least they are learning their lessons from it. Every time we have a big Crisis Whether it's the dot-com bust, the economic fallout from the 11/2001 terrorist attacks, the financial panic of 2008, or the recession of 2009, more people are realizing that the old safety nets just aren't holding up. The myth of business corporations is over. Perhaps you've spent years climbing the corporate ladder of such a corporation. Did you enjoy the view? You always had and still have your boss's buttocks right under your nose. That's what you're crawling towards.

Is your attitude to money the root of all evil?

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When both of my fathers were early in their careers, both of them struggled with financial difficulties and family challenges. But on topic Money their opinions differed greatly. 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 little boy, it wasn't light for me to grow up with two strong father figures who both influenced me equally. I wanted to be a good son and listen to them, but each of my fathers said something different. Their views were so different, especially when it came to money, that my curiosity was piqued.

I started thinking more about what both of my fathers were saying. When I was alone, I spent a lot of time thinking. For example, I would ask myself, "Why is he saying that?" and then question my other father's point of view as well. It would have been a lot easier to say, "Yes, he's right. I agree', or just dismissing a point of view and saying, 'The old man has no idea what he's talking about.' But having two fathers, both of whom I loved, I was forced to weigh up, and ultimately my own, instead to find a point of view. In the long run, making my own decisions proved to be far more valuable than simply accepting or rejecting a view. One of the reasons why the rich are getting richer, the poor are getting poorer and the middle class are getting along with them dept struggling is because money management is taught at home, not in school. Most people learn this from their parents. But what can poor parents teach their children about money? They simply say, "Finish school and study hard." The child may graduate with excellent grades, but with the financial conditioning and mental attitude of a poor person. This was internalized at a young age.

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

Money management is not taught in school. Schools focus on academic and vocational subjects, not financial knowledge. That explains why smart bankers, doctors and accountants with excellent grades still struggle with financial difficulties throughout their lives. Our enormous national debt is due in large part to our highly educated politicians and government officials, who lack any financial Vocational Training or make financial decisions with little knowledge of money. I often think about the new millennium and wonder what will happen when millions of people will need financial and medical assistance. They will be financially dependent on their family or the state.

What will happen when the state Health insurance or the pension insurance is running out of money? How can a nation survive if parents continue to be left to teach their children how to manage money, even though most of them are poor themselves or will soon be? Having two influential fathers, I learned from both. I was forced to think about the advice of both fathers and in the process I learned the power and influence of one's own thinking 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 formulation. He insisted that we ask ourselves, "How can I afford this?" The first phrase is a statement, the second a question. The statement relieves you of responsibility, the question forces you to think. My father, who was on the verge of getting rich at the time, explained it this way: When you automatically say, "I can't afford that," say it Brain the work on. The question »How can I afford it?«, on the other hand, stimulates reflection. He didn't mean that you can deal with this Strategy should buy everything one desires. But he was obsessed with the brain - the most powerful computer in the world Welt - to train. Both fathers worked hard. However, what struck me was that when it came to money, one of them had a habit of shutting down the brain while the other trained it. In the long term, this meant that one father became financially stronger and the other weaker.

The difference is roughly the same as that between a person who works out regularly in the gym and someone who just sits on the sofa and watches TV. Regular physical exercise increases your chance of getting a good one Health, and regular mental training increases your chance of financial wealth. Laziness decreases both health and wealth.

Think the differences between rich and poor

Both of my 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 don't produce." One father recommended: "Study hard so that you can get a good one Company where you can work." The other recommended, "Study hard so you can find a good company to buy." One claimed, "You children are the reason for mine poverty." The other said: "You children are my incentive to become rich." He encouraged that too Conversation about money and Shops during dinner. The poorer one, on the other hand, forbade talking about money and said: »When it comes to money, play it safe for sure, don't go risks a."

The rich, on the other hand, said, "Learn to take risks." The poorer believed, "Our house is our largest Investment and our greatest asset.” 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 his paid at the latest possible date. One father believed that the company or the state was about a man and his needs have to take care of.

Worried about the next raise?

He was constantly concerned about raises, pension plans, health insurance, sick pay, paid vacations, and other voluntary benefits. He was impressed by two of his uncles who had joined the military and one after 20 years of active service pension and had received a share package for life. He liked the idea that they had medical care and enjoyed the special shopping privileges that the military gave to retirees. He loved that too System of jobs at the university. Lifelong job security and work perks sometimes seemed more important to him than the job itself.

He often said: »I worked hard for the state and I am entitled to these privileges!« The other believed in complete financial independence. He spoke out against "entitlement thinking," saying it made people weak and financially needy. He insisted on financial Expertise. One father tried to save a few dollars, the other simply invested. One taught me an impressive one Curriculum vitae to find a good job, the other showed me how to write compelling business and funding plans to create jobs. Being the product of two strong fathers has given me the luxury of observing the impact different mindsets have on someone'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 referred to himself as rich. He said things like, "I'm a rich man and rich people don't do that." He continued to refer to himself as a rich man even when he was totally broke after a major financial setback. He justified this with the following words: “It makes a difference whether you are poor or broke. Broke is short-term, poor is forever. "My poor father also said:" I am not interested in money "or" Money is not important ". My rich father used to say, "Money is power." Though the power of our thoughts can never be estimated or measured, I became so as a young boy clearthat I had to pay attention to what I was thinking and how I was expressing myself. I found that my poor father was poor not because of his earnings - which was remarkable - but because of his attitudes and actions.

As a young boy with two fathers, I realized that I had to be very careful about what ideas I wanted to own. Who should I listen to - my rich father or my poor father? Although both placed a high value on education and knowledge, they did not agree on what is important to learn. One wanted me to study hard, get a degree, and get a good job as a professional to work for money. The other encouraged me to studierento 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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