25June 2022. Rich Dad Poor Dad Indonesia. Views: 60. Buku Rich Dad Poor Dad adalah buku terlaris Robert Kiyosaki tentang perbedaan pola pikir antara orang miskin, kelas menengah, dan kaya. Dalam artikel ini, kami akan menguraikan beberapa pelajaran terbaik yang dibagikan Kiyosaki untuk membantu Anda memahami finansial. Jadi, mari selami. Advertising Disclosure This article/post contains references to products or services from one or more of our advertisers or partners. We may receive compensation when you click on links to those products or services Since its debut in 1997, Robert T. Kiyosaki's Robert Kiyosaki's Rich Dad, Poor Dad has been a landmark among personal finance books, a best-seller that has sold nearly 40 million copies worldwide. I first read the book back in 2000, when I was still a budding entrepreneur. I figured I would re-read it now that I have more experience under my belt. I also wanted to see if it's held up to the test of time, and if I would like it as much as I did when I first read Rich Dad, Poor Dad. A lot has happened financially in the past 20 years, and I'm curious if some of Kyosaki's predictions came true. Our Rating - 8 8 While Robert Kiyosaki's bestseller is recommended reading for starting entrepreneurs, this book does have some flaws. You should read this book just to start thinking differently than the average employee, if not to get motivated. However, take Kiyosaki's advice with a grain of Rich Dad, Poor Dad When I first read the book, I primarily liked how Kiyosaki viewed the world from a different perspective. It got me to think differently about my business and investing than I had previously. Kiyosaki seems to be a polarizing figure You either love or hate his work. The Simple Dollar review of Kiyosaki's work, for example, adds a lot of personal bias, and I don't think that's fair. I try to take a more neutral viewpoint and will review the book based upon my experience in the business world. Rich Dad, Poor Dad should be viewed as a general starting point — an investment/startup summary, rather than a list of specific items to do as an entrepreneur. Robert Kiyosaki emphasizes six key points throughout the book. These points — which differentiate between his “poor” dad his real dad and the “rich” dad that helped him understand business and become wealthy — are The rich don’t work for money The importance of financial literacy Minding your own business Taxes and corporations The rich invent money The need to work to learn and not to work for money Good Points in the Book Flawed Educational System As Robert mentions many times in the book, our traditional educational system is flawed. Our education system is designed primarily to create employees and could be a negative influence for an entrepreneur. As Kiyosaki mentions, he's not suggesting that people skip higher education; he's suggesting higher education does not assist with “street smarts.” Financial literacy is something that is rarely discussed in school, and if it is discussed, it is only at basic levels. Based upon my personal background, I've made this a personal focus and will make sure my children are well educated in this subject. The cost of education continues to increase much faster than the rate of inflation. It's becoming more clear our education system is broken. Robert's statements about this topic are accurate. Being an Entrepreneur Is Less Risky The popular belief is that owning a business is riskier than working for someone else. In my opinion, owning a business gives you all sorts of self-reliance skills you would not get when working for someone else. If anything, with today's “cradle to grave” mentality, we are creating more dependent individuals. Owning a business has given me much more independence and many more invaluable skills I could still use if I were to work for someone else. On a weekly basis, I now do things I used to consider risky or could never imagine doing before owning a business. Your Primary Residence Is NOT an Asset Over the years it generally has been accepted that your primary residence is an asset. Robert flat-out states I believe correctly that your home is not an asset, since it does not generate positive cash flow. The housing bubble and collapse proved this correct. “Rich people acquire assets. The poor and middle class acquire liabilities, but they think they are assets.” While rental properties have also gone down in value, if you focus on positive cash flow, you still are bringing in money every month. Robert even states in his book that home values do not always go up. Pretty much all consumable goods are liabilities — something even I got tripped up with. Kiyosaki states you should buy investments that generate cash flow to help pay for your “doodads.” I think this is a great way to look at how to purchase your toys. What Is an Asset or Liability? “An asset is something that puts money in my pocket. A liability is something that takes money out of my pocket.” A load of Kiyosaki's critics point out that this statement doesn't follow general accounting standards. This is true, and Robert acknowledges this. The point, which many miss, is that you should be focusing on cash flow to get wealthy. “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?” I still refer back to this statement today and have devoted a few posts to this topic Does Net Worth Matter? How to Become Wealthy Complaints About the Book There are many reports that Robert's “Rich Dad” does not exist and was made up. This is more than likely true, but there have been many personal finance books that are works of fiction. The book Wealthy Barber comes to mind. The issue some people have with Robert is that he presents his book as a work of non-fiction when it's not, and I agree with this complaint. I find it interesting that John Reed's website puts down Robert's work, but at the same time also sells Reed's own work. Robert does downplay the role of risk in the investment suggestions. This is somewhat accurate, but he suggests that you should fully understand your investments before diving in. Robert states that investing is risky only if you don't fully understand what you are investing in. Summary While I still recommend this book, especially for beginning entrepreneurs, the book has some flaws. In my opinion, many topics he discusses hold the test of time. But take some of what Robert Kiyosaki says with a grain of salt. It should be read, if not for the motivation, just to get you to think differently than a salaried employee. I don't love or hate it, hence the reason why I give this book 3 out of 5 stars. If you do decide to read Robert's books, I recommend reading only Rich Dad, Poor Dad and Rich Dad's Cashflow Quadrant. Most of the other books are simply a rehash of these two books. I DO NOT recommend attending any local seminars. I will keep his book on my list of best personal finance books for the primary reason to get you to think outside the box. Larry Ludwig was the founder and editor in chief of Investor Junkie. He graduated from Clemson University with a bachelor of science in computers and a minor in business. Back in the ’90s, I helped create some of the first financial websites for firms like Chase, T. Rowe Price, and ING Bank, and later went on to work for Nomura Securities. He’s had a passion for investing since he was 20 years old and has owned multiple businesses for over 20 years. He currently resides in Long Island, New York, with his wife and three children. Disepanjang buku Rich Dad's CashFlow Quadrant, Robert Kiyosaki terus menekankan pentingnya kecerdasan finansial. Buku ini ditulis untuk orang-orang yang sudah siap membuat perubahan dalam hidup mereka untuk bergerak meninggalkan pekerjaan yang terjamin dan mulai membangun jalan mereka sendiri dalam rangka mencapai kebebasan keuangan. Robert Kiyosaki learned about money from two dads, his biological father and his best friend’s father. Both men worked hard and earned good incomes. But his biological father struggled to pay bills his whole life, while his friend’s father became one of the wealthiest men in Hawaii. The fundamental difference is that the poor dad acquired liabilities, and the rich dad accumulated assets. Assets produce income, and liabilities create expenses. He put many financial factors in his book “Rich Dad, Poor Dad.”Robert Kiyosaki is very good at explaining the traits and characteristics you need to become wealthy. And he also talks a lot about why the poor stay poor while the middle class stays in the middle class and why the rich keep getting richer. So he talks a lot about the mindset, traits, and characteristics and what you have to do with money to become rich. What do you do with money to make it into more money for yourself? And he explains it all in easy-to-understand terms. About Author Robert Kiyosaki Robert Kiyosaki is an American businessman and author. He wrote Rich Dad, Poor Dad in 1997 when he started his rich dad brand. And it’s the first in the series of Rich Dad books. So the guy behind the book, Robert Kiyosaki, has predominantly built his wealth through real estate and stock market investing. He also goes on throughout his book and talks about building wealth through owning a business. He is a very wealthy man and an expert in personal finance. Kawasaki’s adopted rich dad was the father of a childhood friend who never finished the eighth grade. Rich dad owned and ran several businesses. This book and Kawasaki’s life result from the rich dad’s financial wisdom. The book says once a dollar goes into your asset column, it becomes your employee. The best thing about money is that it works 24 hours daily and can work for generations. Turn over your money and integrate employees by reducing expenses and acquiring income-generating assets. Don’t focus your efforts on increasing your paycheck. Focus your efforts on earning assets. The poor tend to use their money the same way the middle class. The rich use their money the same way. How they think and use the money keeps them locked in those classes. So Robert builds on this first point and then discusses why the rich keep getting richer and how they handle their money. The second takeaway is spending time and money on your financial education. It will lead to a much bigger return than working harder. So he illustrates that many people say, I don’t have time to learn about that because I’m too busy at work. But he goes through and explains how in his life, focusing on building his financial education has given him a much higher return than working harder. So he does talk a lot about work ethic. Instead of working harder at a job, work smarter, and build your financial education. And it will lead to millions of dollars instead of working a couple of extra hours per week in your job. The third thing is that people who wake up go to work, earn money, pay the bills, and save the rest, only to do that repeatedly. They are trapped in a vicious cycle that ends up leading them nowhere. So Kiyosaki talks about this as the rat race and says how you need to when thinking about becoming wealthy. You need to escape the rat race, the cycle of going to work, earning money, paying the bills, and doing it repeatedly. So he talks a lot about the strategies you need to employ to start building your way out of the rat race. You have to think outside the box and think like the rich do to escape the rat race and build your wealth to retire happy and early. The fourth point is that many people get all of this financial knowledge. They’ll read so many books and watch so many videos. They’ll research as much as they possibly can. But then they’re afraid of losing money that they will never act on anything they’ve learned. Many people get all the education they need and then do nothing with it. Once you’ve learned all these things, act because many people get this knowledge. They don’t take action and are forever stuck in that trap of working, paying bills, saving, and returning to the same cycle. The fifth thing from this book is that you need to overcome emotions. You need to learn from emotions around money because money is not accurate at the end of the day. Its money is a piece of paper that we say is worth whatever number is written. So Robert talks a lot about how you have to detach yourself. You have to feel your emotions when you decide about investing and whatnot. But you must try and detach yourself from them and observe what you observe you must try and detach yourself from and learn from them to make excellent, clear financial decisions. He also talks about how increasing financial education dissipates the fear of losing money. It is because you are much better educated. Instead, the excitement of winning takes over. So the excitement of actually making that money that you know a lot. You know you’re competent in this investment because you’ve increased your financial education. That makes you more excited about winning and being wealthy than fearful of losing all your Specification Rich Dad Poor Dad sold twenty-six million copies worldwide. So it’s a highly regarded book and a perfect place to start when considering your finances. Author Robert T. KiyosakiAverage Customer Review out of 5, on GoodreadsCategory Business & Money, Personal FinancePosition 1, in Parenting & Personal Finance BooksPaperback 336 pagesWeight ouncesDimensions 6 x 1 x inchesPublisher Plata PublishingRich Dad Poor Dad Review The book starts with Robert’s life story. Stay in school, get good grades, and get a safe and stable job. These are the words Robert Kiyosaki’s poor dad preached to him from a young age. It wasn’t that his poor dad was wrong. He had a different outlook than his rich dad. His poor dad was highly educated. However, his rich dad only had an eighth-grade education and became one of the wealthiest men in Hawaii. His rich dad lacked formal education. He made up for it by understanding money in human psychology. Chapter 1 The rich don’t work for money The typical paradigm for the middle class is to study hard, get good grades, and get a safe job with excellent benefits that you can retire from, hopefully, 30 or 40 years from now. That isn’t the norm, and that isn’t the case anymore. So what the author, Robert Kiyosaki, means is that most people want to feel secure with their money, so their passion doesn’t direct them and their everyday lives. It’s their fear of needing money to continue to be able to live. Chapter 2 Why teach financial literacy?Financial literacy is not about how much money you earn. It’s about how much money you keep. Two things prevent you from maintaining money spending and taxes. If you earn one million dollars per year but spend nine hundred ninety-nine thousand dollars, you’d be an idiot to think you truly are a millionaire. What do you have to show for it? Robert’s rich dad taught him the difference between an asset and a liability. It’s fairly simple. An asset is anything that puts money into your pocket. In contrast, liability is anything that takes money from your pocket. Don’t overthink this. Anything can be an asset or a liability, depending on whether it generates positive or negative cash flow. So if you own a house that generates one thousand dollars a month through tenants, that house is an asset. However, if you own a house that costs you a thousand dollars per month, that house is a liability. Assets can be businesses, real estate, stocks, and bonds. Liabilities are fairly simple. These things cost you money, paying too much for rent, buying too large of a home, and purchasing expensive cars. The rich accumulate assets, the poor buy liabilities, and the middle class buys liabilities they think are assets. If Robert had listened to his poor dad and taken everyone else’s advice, including teachers and role models, He would have probably lived a middle-class lifestyle. He would have a safe and stable job. The problem is, He would fail to let his money ever work for him. To change this, you must shift your mindset and acquire assets, not liabilities. Otherwise, it doesn’t matter how much money you earn. You’ll continually match it with your liabilities and expenses. You might look rich to the average person, but you’ll never be rich. There is absolutely nothing wrong with having a stable job. But the United States has a rare economic system unmatched by any other country on Earth. If you work hard and acquire assets, eventually, those assets will generate enough income to replace your job. Going to school and getting a formal education should not be the end of the road. If you have a skill set, capitalize from it and acquire real assets, not liabilities. However, you learn something every single time that you fail. It’s not like purchasing a liability where you have a hundred percent guarantee to lose your money. Chapter 3 Mind your own business Minding your own business means paying attention to your own business. You might have a profession, but you must also have a business and use this business to buy assets and build wealth. Selling is essential. Everyone in the world can make a better cheeseburger than McDonald’s. But McDonald’s is the best in the world at selling and delivering burgers. The book gives a great example of a talented journalist with a master’s in English who is an excellent writer and wants to be a best-selling author. She asked Kiyosaki for advice. He says she should attend a marketing course to learn how to sell her writing. She gets mad and says, I have a master’s degree in English. Why would I go to school to learn how to be a salesperson? Kawasaki shows her the top of his book and points out that it says bestseller, not best writer. You must not be afraid to sell yourself and your products. Once a dollar is in your asset column, never take it out because this is money working for you. Think of the interest and the income from that money as little employees working for you rather than working against you. So first, buy an asset that generates money or throws off cash every month, week, or year. With those proceeds from that asset, and it’s throwing off that cash, you can buy whatever you want. Chapter 4 The History of Taxes and the Power of Corporations A little lesson on the history of taxation There have always been taxes or tariffs in some shape or form to pay for the roads, defense, and basic government requirements throughout American history. However, it wasn’t until 1862 that an actual income tax occurred during the Civil War. But the range of this income tax was three to five percent, three to five present income tax ranges from 10-37 percent in the United States in 1890, for the income tax was declared unconstitutional but again constitutional in 1913. The world had changed, and America was now a global power. It required a much more reliable source of income. The income tax is a bad thing for the average person. It takes our hard-earned money into the hands of the wasteful US government. Luckily, there are legal methods that you can practice to avoid unnecessary taxation. The government loves high earners. Even if you earn a substantial salary, the government still takes thirty-seven percent upfront income tax. So the government takes three hundred and seventy thousand for someone earning one million dollars annually. Then the government taxes you. When you spend taxes, you when you save, and even taxes you when you die. But the rich need to pay their fair share. A smarter method than being a big earner is taking your money and accumulating assets with it. The government has already taxed your income once with the standard income tax. The good thing is there are legal ways to avoid high taxation on your investments. However, one of the biggest secrets of the rich is the power of corporations. You can use a corporation to exploit legal loopholes to protect your money. For instance, one of the smartest things a person can do is hack or purchase a multi-family home. You live in one house unit and then rent out the second unit. So not only do you collect income from the second unit, but that, in many cases, covers the majority, if not all, of your mortgage. But you can also use this as a business or corporation for specific tax write-offs. Instead of buying a single-family home or renting to increase your financial you need to focus on growing your knowledge in accounting, investing in markets, and understanding the law. Do not let people deter you from utilizing legal tax loopholes. After all, you’re risking money with the investment and often benefiting the community. If you buy and flip a property, you benefit. But the community also benefits by seeing an old, beaten-down property purchased and renovated. A renovated property often attracts quality tenants, and quality tenants help the community. Investment is good, and capitalism is good. If you get one thing from this book, remember that it’s not intelligent that gets ahead in life but bold. Chapter 5 The rich invent money You can be the most educated individual in the world. However, you’ll fall behind if you drag your feet and never pull the trigger on an investment. Failure is inevitable, but you will learn something, work to learn, and use what you know to improve. You will learn to identify better business opportunities, better properties to invest in, and better stocks to purchase over time. Take the next step, and don’t fear losing a welcome risk. How do you do it? Start by paying yourself first to practice frugality. If you start today, this can happen within the next few years. The author is talking about finding an opportunity everyone else has missed, how to raise money, and how to organize smart people. So he’s talking about syndicating deals, getting in with quote-unquote, smart money, and relying on traditional investments. Chapter 6 Work to learn, don’t work for money The poor and middle-class work for money, while the rich have money to work. Most people work for a specific hourly wage, week, or month. They work for their money. The rich buy assets which appreciate with time. The assets that the rich have purchased make them even more money. So in a sense, their money works for them. The main idea is to grow skills and develop yourself as a greater payoff than a little extra pay in a different job. Sometimes, an unpaid or low-paying position will get a much better experience than a dead-end job with higher pay. Never stop developing your best asset, that which is yourself. Cons There are two downsides to this book. First, it applies to everyone, but the author doesn’t specify what he looks for in a property deal. He doesn’t go into the specifics of what numbers he looks at or how he analyzes a stock, whether he wants to buy or sell it, and that thing. It’s more about the general principles and the mindset of being financially intelligent and building wealth. He doesn’t go into the specifics of the deals he’s made or what you should be looking at. Overall, it’s more like life rules over investing rules or something like that. The other downside is that the numbers are from a long time ago. While the numbers are relative, you can still apply the principles, percentages, and returns to today’s numbers. It’s a little harder to understand when he’s talking about buying a block of land for twenty-five thousand dollars. It seems a little bit silly because it was so long ago. So the numbers he uses when he explains the examples of his investments are a bit outdated, making it hard to gauge the relative figure by today’s standards. Pros It is fun and easy to read the book. Most chapters are conversations, with many examples and simple theoretical situations. It’s probably the best explanation of cash flow. His cash flow quadrant explanation is excellent. And it’s easy to emphasize the importance of assets from it. This also shows poor, middle-class, and rich differences using this quadrant explanation. In my opinion, the best chapters are number two Why Teach Financial Literacy is the number one chapter in the book. The author uses some real-life examples, which makes them easier to understand. Is Rich Dad Poor Dad Worth Reading? “Rich Dad Poor Dad” is a personal finance book that has been widely popular since its publication in 1997. Some people find “Rich Dad Poor Dad” worth reading because of it The book encourages readers to learn about money management, investing, and wealth-building. It advocates for self-education and financial intelligence. Kiyosaki questions traditional ideas about money, such as the belief that a high income guarantees wealth or that homeownership is always a sound investment. The book encourages readers to become business owners and investors, emphasizing the benefits of building passive income streams and reducing dependence on a salary. However, Some readers feel that the book is too simplistic or repetitive and doesn’t provide enough actionable advice or specific strategies for wealth building. It may be worth your time if you’re interested in a book that offers a different perspective on personal finance and encourages self-education. This can be a good book for students because it introduces concepts and ideas about personal finance, investing, and wealth-building that are not covered in traditional education. Personal Review Robert gives specific examples of his life and demonstrates his examples to help him create wealth. So it’s not like he’s telling you what to do and pulling it out of thin air. He’ll talk about how he has used a specific strategy or a certain mindset to go then and earn himself more money. So it’s quite a valuable book in that regard. This book allows new people to finance someone interested in starting their own business or buying real estate or people who want to learn about cash flow. Personal rating This book can apply to anyone. Anyone can read and understand it from cover to cover, which is powerful with finance books. So if you haven’t even read personal finance or an investing book before, start with this one. It’s because it will get your mind in the right space. It’ll get you thinking about the right things so that when you read books on specific stock market strategies or real estate investing strategies, your mind will already be thinking about all the right things. Learn more Top 10 Lessons From Rich Dad Poor Dad Download pdf collection About Author Robert KiyosakiRich Dad Poor Dad Book SummaryBook SpecificationRich Dad Poor Dad ReviewChapter 1 The rich don’t work for moneyChapter 2 Why teach financial literacy?Chapter 3 Mind your own businessChapter 4 The History of Taxes and the Power of CorporationsChapter 5 The rich invent moneyChapter 6 Work to learn, don’t work for moneyConsProsIs Rich Dad Poor Dad Worth Reading?Personal Review
Inspirasi"Rich Dad Poor Dad" ini kemudian memang berawal dari pengalaman pribadinya yang berasal dari keluarga yang sederhana. Ayahnya adalah seorang guru yang pekerja keras, pendidikan tinggi, berdaya juang menjulang, tekun, dan patuh pada pemerintah. Kendati begitu, keluarganya selalu merasa pendapatan bulanan yang diperoleh itu pas atau
FinMasters content is free. When you purchase through referral links on our site, we earn a commission. Advertiser Disclosure Rich Dad, Poor Dad is one of the most famous books in all of personal finance. Though it came out in 1997, it’s still a 1 Best Seller on Amazon in 2023. Many of today’s most popular finance gurus cite it as the inspiration for their success. I wanted to see what all the hype was about, so I grabbed a copy of the book, tore through it it’s a pretty quick read, and compiled my thoughts for you here. This Rich Dad, Poor Dad review will take a look at Robert Kiyosaki’s real lessons in this book not just the ones he uses as names for his chapters and help you decide whether it’s worth reading. A Rich Dad, Poor Dad Summary Right from the jump, Rich Dad, Poor Dad surprised me with its style and narrative framework. I expected more technical insight and investment math, but the book primarily consists of anecdotes that hold nuggets of supposed wisdom for the reader to absorb as if through osmosis. Kiyosaki’s stories revolve around and contrast the lessons he received from his biological father the educated but financially unsavvy poor dad and his friend’s salesman father the uneducated but clever, rich dad. The book winds through Kiyosaki’s life and the reader witnesses him learning from his rich dad and rejecting the advice of his poor dad which represents rising above the typical working-class mindset. The book explains basic wealth generation in an understandable and inspirational way, and it’s a solid enough introduction to these concepts at least for its time. However, it has issues that make its current relative value questionable. ❗️ Important Note Do not take this book’s recommendations or any of my opinions on them as investment or tax advice. I’ll start this Rich Dad, Poor Dad review with what I think Kiyosaki does well. Mainly, he makes some solid fundamental financial suggestions in an easily digestible manner. The ideas might seem a bit shallow and apparent to anyone already engaged in entrepreneurship or investing, but they can be profound if it’s your first exposure to them. Let’s take a look. 1. Learn Personal Finance And Teach It to Your Kids While this is a pretty obvious suggestion, it’s still a significant one. The book does a great job of showing the reader how meaningful it is to learn how to manage your money. That means saving a high percentage of your earnings and putting the money to work in profitable investments. Kiyosaki says “It’s not how much money you make. It’s how much money you keep.” You have to keep your spending down as your income goes up and invest the difference in assets, not liabilities. While his definitions of assets and liabilities might not follow Generally Accepted Accounting Principles, it’s practical assets put money in your pocket, and liabilities take money out of it. He supports learning to cut your taxes, studying accounting, and mastering saving, then teaching all these skills to your children. I love all of these ideas, and I’m glad his presentation of them resonates with so many. 2. Find Ways to Escape the Rat Race Make Your Money Work For You Not only does Kiyosaki cover the fundamental best practices for personal finance, but he also does a great job of painting an inspiring picture of their end goal financial independence, retirement, security, being rich, or whatever you want to call it. I’ve always believed that people truly begin to understand the significance of their personal finance decisions when they realize that they constitute a journey that can culminate in holding enough wealth that work becomes optional. Kiyosaki makes escaping the rat race using investments or a self-sustaining business sound glamorous and inspirational. I’m grateful for anything that gets people to plan for a better future. 3. Master Your Emotions Regarding Money This one isn’t a personal finance message that you’d typically see today, but I like it a lot. Money is a hugely emotional issue for many people, and we could all probably benefit from understanding why it makes us feel however it does. People often let their emotions sabotage their finances or let their finances upset their emotional state. They might have a fear of investing, insecurity over their job, or a need for the latest and greatest gadgets. He urges readers to face their fears, cynicism, laziness, bad habits, and arrogance when it comes to money. That seems like an arbitrary list of emotional issues, but I like the sentiment. 4. Develop a Broad and Valuable Skillset In a capitalistic society, having a practical and marketable skillset is the key to making money. If you can provide tangible value that people are willing to pay for, you’ll always be able to support yourself. Kiyosaki recommends learning to manage money, lead teams, build systems, and close sales. More than that, he suggests that people cultivate a habit of continuing to learn throughout their careers so that they never stagnate. He argues that people can improve their situations most effectively if they keep an open mind, learn from their mistakes, and keep improving. It’s a valuable lesson and one of the best in the book. Robert Kiyosaki’s Worst Advice Now that we’ve covered the good stuff, what follows is my Rich Dad, Poor Dad criticism. I hate to say it, but there’s more to talk about here than I’d like. Honestly, Kiyosaki strikes me as a pretty typical guru. His attitude and tone throughout the book both rub me the wrong way. For example, he comes across as just a little too obsessed with the stereotypical image of a rich and powerful man. He describes his rich dad as a charismatic manly man of few words, with power behind his statements and smiles. Rich dad is tall, blunt, and always closing deals. He doesn’t do things like the other guys, and he’s pretty smug in his superior knowledge. Rich dad and his lessons also come off as manipulative to me. He pulls the protagonists’ strings purportedly to teach them esoteric lessons too complex to be put into mere words. The book just feels like it’s selling me something, and salesman gurus are by far my least favorite. Here are some of the specific ideas the book tries to sell to the reader that I don’t like. 1. You Should Start a Business and Get Rich Because Employees are Broke and Miserable As someone who truly loves being self-employed, I hate to admit this, but it’s not the right path for everyone. If you’d rather not branch out on your own, that’s perfectly fine. There are plenty of people who enjoy their jobs, make good or great money, and save responsibly. But Kiyosaki has a habit of putting down anyone who works for someone else and suggesting that employees are generally broke and unhappy. They just don’t get it. His poor dad already an insulting title, who worked a traditional job, couldn’t possibly understand what his rich dad understood thanks to all his business success. Not only does Kiyosaki fail to address the risks and downsides to business ownership, but he also suggests some definitely-not-okay tax strategies using business entities. For example, he proposes using a corporation to write off vacations as board meetings or deduct health club expenses. Those moves can get you into much more trouble thsan they’re worth. 2. Academic Learning isn’t Valuable Rich People Don’t Need It Kiyosaki also has a bad habit of downplaying the value of academic education and traditional learning. He seems to believe people who follow the general wisdom end up like his poor dad highly educated but ineffective and stressed about their money. Rich people learn only by doing or from living life. For example, rich dad says “All too often business schools train employees to become sophisticated bean-counters. Heaven forbid a bean counter takes over a business. All they do is look at the numbers, fire people, and kill the business.” Ironically, he promptly contradicts that claims, later saying “Accounting is possibly the most confusing, boring subject in the world, but if you want to be rich long-term, it could be the most important subject.” As an officially licensed and certified bean-counter, maybe he just hurt my feelings, but I don’t think so. Kiyosaki also glorifies rich dad’s cruel and unusual teaching methods, which included giving kids the silent treatment for weeks at a time while they work below minimum wage until they can’t take it anymore. Because that’s how life teaches “It just sorta pushes you around.” 3. Invest in Real Estate! It’s the Best Way to Get Rich! At this point, you’ve probably noticed that many of his “worst lessons” have something to do with getting rich. That’s a significant part of what struck me as wrong about this book. Getting rich isn’t really the point of personal finance. Maybe I need to “overcome my cynicism,” but I generally don’t trust gurus who toss that word around. Kiyosaki does it a bit too much for my comfort, and his suggested strategies for creating said riches aren’t always great either. Mainly, it bothers me how strongly he doubles down on real estate. Investing in real estate can be a great way to build wealth, but like self-employment it’s not for everyone. It’s also not a requirement for a successful and diversified portfolio. There are benefits to real estate investing, but Kiyosaki borders on implying that it’s a sure way to get rich quickly or inevitably. In reality, it’s a business like any other. There are unavoidable risks involved, and it takes knowledge, experience, and luck to succeed. 4. Jump Off Cliffs and Build Parachutes On Your Way Down Last but not least, we have one of my biggest pet peeves in the whole book. Kiyosaki legitimately suggests that you pay yourself first meaning your savings even if that comes at the cost of paying your creditors, even if one of those creditors is the Internal Revenue Service! Rich dad says “So you see, after paying myself, the pressure to pay my taxes and the other creditors is so great that it forces me to seek other forms of income. The pressure to pay becomes my motivation. I’ve worked extra jobs, started other companies, traded in the stock market, anything just to make sure those guys don’t start yelling at me[…] If I had paid myself last, I would have felt no pressure, but I’d be broke.“ Don’t get me wrong, I’m all for prioritizing saving, but paying yourself first shouldn’t mean risking stiffing the people you owe money, wrecking your credit score, and racking up fees and interest. You pay your creditors and essential living expenses first, then you set aside your savings, and then you reverse engineer your remaining budget. Is It Worth Reading Rich Dad, Poor Dad? I don’t want this to upset anyone who considers the book to be the Holy Grail of personal finance, but I couldn’t recommend Rich Dad, Poor Dad to someone who asked me how to start managing their money better, let alone someone who already has some experience. The book has a handful of positive lessons, but there’s nothing more profound in it than what you could find in the average personal finance blog these days. It’s mainly about inspiration, and there are places to get your inspiration these days without a side serving of Kiyosaki’s more troublesome ideas. RichDad, Poor Dad - Oleh: Robert T. Kiyosaki - Buku ini akan- Menghancurkan mitos bahwa Anda harus mendapatkan pemasukan yang tinggi untuk menjadi kaya.- Mempertanyakan keyakinan bahwa rumah adalah aset.- Menunjukkan pada orangtua mengapa mereka tidak dapat mengandalkan sistem sekolah untuk mengajar anak-anak mereka dalam hal uang.
Kompasiana adalah platform blog. Konten ini menjadi tanggung jawab bloger dan tidak mewakili pandangan redaksi Kompas. Rich Dad Poor Dad adalah buku populer yang ditulis oleh Robert Kiyosaki, buku ini merupakan salah satu buku manajemen keuangan terbaik sepanjang masa. Penulis adalah seorang keturunan Jepang yang telah berpindah kewarganegaraan ke Amerika Serikat dan merupakan seorang pengusaha, pendidik sekaligus investor yang percaya pada pandangan bahwa dunia akan lebih baik jika pengusaha menciptakan lapangan melihat judulnya yaitu, Rich Dad Poor Dad yang artinya "Rich Dad and Poor Dad", pilihan kata ini tajam sekaligus brilian. Penulis dengan mudah menarik minat dan rasa penasaran pembaca dengan diksi yang cukup menarik, dimana kedua hal tersebut ditujukan kepada Rich Dad yang merupakan ayah sahabatnya dan Poor Dad yang merupakan ayah buku tersebut, penulis mencoba membandingkan pola pikir tentang uang kedua bapak yang memiliki kondisi ekonomi yang berbeda, seperti yang tertulis dalam buku “Alih-alih menerima yang satu atau menolak yang lain, saya mendapati diri saya berpikir lebih jauh, membandingkan, lalu memilih sendiri. sendiri. Saya sendiri.” Penggunaan kata “kaya” dan “miskin” sebenarnya tidak sepenuhnya benar karena dilihat dari kalimat selanjutnya penulis mengatakan “Masalahnya Ayah Kaya tidak benar-benar kaya dan Ayah Miskin tidak benar-benar miskin. karir dan keduanya memiliki perjuangan dalam hal uang dan keluarga Tapi mereka memiliki pandangan yang sangat berbeda tentang uang. Dari sini kita dapat menangkap sudut pandang penulis bahwa ayah kaya dan miskin saat ini bukan dari sudut pandang ekonomi, melainkan dari sudut pandang mereka masing-masing tentang uang. Ini akan menjadi pembeda dasar tentang uang untuk bagi mereka yang menganggap narasi itu sebagai omong kosong sejak awal, mereka akan berhenti membaca di sini. Bagian yang menarik di sini adalah bahwa meskipun mereka berdua bekerja untuk Ayah Kaya, di mana pada awalnya mereka hanya dibayar sepuluh sen per jam, mereka tidak dibayar sama sekali. Robert yang saat itu berusia 9 tahun menjadi sangat marah kepada Ayah Kaya karena merasa seharusnya Ayah Kaya menaikkan gaji mereka. Hingga suatu hari jawaban Ayah Kaya itu memberi pelajaran berharga bagi awal buku, penulis bercerita tentang Rich Dad yang mengajari sahabatnya dan secara langsung ia juga mendapat ilmu tentang uang. Alur cerita tentang bagaimana upaya ayah kaya untuk mendidik dia dan Mike tentang sifat uang yang tidak dapat diprediksi membuat saya penasaran dan terus membaca untuk mencari tahu apa yang terjadi selanjutnya. Ada cerita yang cukup menggelitik, dimana mereka berdua bekerja untuk Rich Dad, yang awalnya hanya digaji sepuluh sen per jam, namun tidak digaji sama sekali. Robert yang saat itu berusia 9 tahun menjadi sangat marah kepada Ayah Kaya karena merasa seharusnya Ayah Kaya menaikkan gaji mereka. Hingga suatu hari jawaban Ayah Kaya itu memberi pelajaran berharga bagi Robert. Bagian ini menurut saya cukup membuat penasaran, namun saya merasa bagian ini akan membuat sebagian orang berhenti membaca, karena mereka akan menganggap narasinya hanya omong kosong belaka. Penulis mengatakan bahwa uang jarang dapat menyelesaikan masalah keuangan seseorang. Kecerdasanlah yang memecahkan masalah. Di sini Anda dapat melihat bahwa penulis sedang mencoba memilah gambaran logis tentang keuangan yang begitu penting. Sebab, kecerdasan finansiallah yang akan sangat mempengaruhi pertimbangan kita dalam menentukan arus kas. Seperti yang diilustrasikan diagram, inilah perbedaan mendasar antara si kaya dan si miskin dan kelas menengah. Salah satu contoh menarik dalam kehidupan sehari-hari yang ia kemukakan, yaitu “Banyak masalah keuangan yang besar disebabkan oleh orang yang berusaha mengimbangi tetangganya. Terkadang kita semua perlu bercermin dan jujur dengan kebijaksanaan batin kita daripada ketakutan kita."Di akhir buku, kalimat-kalimat yang ditulis oleh penulis terbilang unik, yang dibuka dengan kalimat “I want to share my last thinking with you”. Hal ini membuat bagian penutup buku ini seolah menjadi perpisahan bagi saya sebagai pembaca yang sudah membaca bagian buku ini selama ini. akhir. Alih-alih melanjutkan kalimat penutup, penulis memilih untuk membawa pembaca kembali ke alasan mengapa buku ini ada. 1 2 Lihat Book Selengkapnya
Isidari review buku ini adalah intisari utama yang mungkin saya kembangkan / modifikasi, dari sebuah buku yang menurut saya highly recommended. Kebetulan kali ini buku yang direview adalah buku Rich Dad Poor Dad. Buku ini adalah buku bisnis pertama yang saya baca dan telah mengubah pola-pikir saya mengenai uang. Sejak awal tahun 1997, Rich Dad Poor Dad oleh Robert T. Kiyosaki, Robert Paus telah menjadi acuan dalam buku keuangan pribadi laris yang telah menjual hampir 40 juta kopi di seluruh dunia. Saya membaca untuk pertama kalinya pada tahun 2000 ketika ia masih seorang pengusaha pemula. Saya pikir saya akan membacanya lagi sekarang karena saya memiliki lebih banyak pengalaman di bawah ikat pinggang saya. Saya juga ingin melihat apakah ia telah selamat berlalunya waktu, dan jika saya ingin seperti yang saya lakukan ketika saya membaca Rich Dad Poor Dad. Banyak istilah keuangan selama 20 tahun terakhir, dan saya bertanya-tanya apakah beberapa prediksi datang Kyosaki benar. Ketika saya membaca buku itu, saya benar-benar seperti cara Kiyosaki melihat dunia dari sudut yang berbeda. Ini membuat saya berpikir secara berbeda tentang bisnis dan investasi saya dari sebelumnya. Kiyosaki tampaknya menjadi sosok polarisasi Anda mencintai atau membenci pekerjaan Anda. Kerja dolar sederhana komentar Kiyosaki, misalnya, menambahkan banyak prasangka pribadi, dan saya pikir itu tidak adil. Saya mencoba untuk mengambil pandangan yang netral dan mendiskusikan buku berdasarkan pengalaman saya di dunia bisnis. Rich Dad Poor Dad harus dipertimbangkan sebagai umum titik awal – ringkasan investasi / masuk, daripada daftar item spesifik yang akan dilakukan sebagai pengusaha. Robert Kiyosaki berfokus pada enam poin utama dalam buku ini. Titik-titik ini – perbedaan antara ayah “miskin” ayah kandungnya dan ayah dari “kaya” yang membantunya memahami bisnis dan menjadi kaya – adalah 1. Orang Kaya Tidak Bekerja Untuk Uang 2. Pentingnya Pendidikan Keuangan 3. Mengurus Bisnis Anda Sendiri 4. Pajak Dan Korporasi 5. Orang Kaya Menemukan Uang 6. Kebutuhan Untuk Berkerja Untuk Belajar Dan Bukan Berkerja Demi Uang Poin Bagus Dalam Buku Sistem Pendidikan Yang Cacat Seperti Robert disebutkan beberapa kali dalam buku ini, kita telah menonaktifkan sistem pendidikan tradisional. sistem pendidikan kita terutama dirancang untuk menciptakan dan karyawan dapat memiliki efek negatif bagi pengusaha. Seperti disebutkan Kiyosaki, yang tidak merekomendasikan bahwa orang pergi melalui pendidikan yang lebih tinggi; Dia menyarankan bahwa pendidikan tinggi akan membantu untuk “rasa”. pendidikan keuangan adalah sesuatu yang jarang dibahas di sekolah-sekolah, dan jika dibahas, hanya pada tingkat dasar. Berdasarkan pengalaman pribadi saya, saya membuat titik pusat dan staf akan memastikan bahwa anak-anak saya dididik di daerah ini. Biaya pendidikan terus tumbuh lebih cepat daripada inflasi. Sebagian besar sistem pendidikan kita rusak. Robert merespon pernyataan tentang masalah ini. Menjadi Pengusaha Tidak Beresiko Kepercayaan populer adalah bahwa memiliki bisnis adalah berisiko daripada bekerja untuk orang lain. Saya rasa saya memiliki sebuah perusahaan memberikan Anda semua keterampilan kemerdekaan yang tidak akan Anda dapatkan ketika Anda bekerja untuk orang lain. Jika ada, dengan mentalitas “cradle mati” Hari ini, kami menciptakan orang-orang yang paling tergantung. Memiliki bisnis telah memberi saya otonomi yang lebih besar dan banyak keterampilan berharga yang saya masih menggunakan jika saya bekerja untuk orang lain. Setiap minggu, sekarang aku melakukan apa yang saya menilai atau membuat bisnis yang berisiko terbayangkan sebelumnya. Tempat Tinggal Utama Anda Bukan Aset Selama bertahun-tahun, secara umum diterima bahwa tempat tinggal utamanya adalah aset. Robert mengatakan saya pikir bahwa rumah Anda bukanlah aset yang tidak menghasilkan arus kas positif. Runtuhnya gelembung perumahan dan ini terbukti benar. Sementara harga sewa dan nilai yang lebih rendah, jika Anda berfokus pada arus kas positif, membuat lebih banyak uang setiap bulan. Robert datang untuk mengatakan dalam bukunya bahwa nilai rumah tidak selalu. Hampir semua produk konsumen adalah suatu keharusan – sesuatu yang bahkan tidak. Kiyosaki mengatakan Anda harus membeli investasi yang menghasilkan arus kas untuk membantu membayar untuk Anda “hal-hal kecil”. Saya rasa ini adalah cara yang bagus untuk melihat bagaimana pembelian mainan Anda. Apa itu Aset Dan Kewajiban ? “Aset adalah sesuatu yang menempatkan uang di saku Anda. Tanggung jawab adalah sesuatu yang mengeluarkan uang dari saku Anda. “ Banyak kritikus Kiyosaki menunjukkan bahwa pernyataan ini tidak sesuai dengan standar akuntansi yang berlaku umum. Memang benar, dan Robert mengaku. Bahkan, banyak orang kehilangan adalah bahwa Anda harus fokus pada arus kas untuk menjadi kaya. Keluhan Tentang Buku Ada banyak laporan bahwa Robert tidak ada “Rich Dad” dan menciptakan. Ini mungkin benar, tetapi ada banyak buku keuangan pribadi yang karya fiksi. Barbier buku kaya yang datang ke pikiran. Masalah dengan beberapa orang adalah bahwa Robert digunakan untuk memesan non-fiksi tidak, dan setuju dengan keluhan. Saya menemukan semenarik yang menempatkan situs Robert John Reed, tetapi sekaligus juga pekerjaan menjual tebu itu sendiri. Robert tidak meminimalkan peran risiko dalam investasi. Hal ini cukup akurat, tapi itu menunjukkan bahwa Anda perlu memahami investasi Anda sebelum memasuki. Robert mengatakan bahwa investasi itu riskan jika Anda tidak mengerti apa yang Anda berinvestasi. Selain itu Robert juga merekomendasikan apabila anda ingin menndapatkan penghasilan tambahan online anda dapat bergabung dengan situs judi online terpercaya di Indonesia melalui link berikut Ringkasan Meskipun saya masih merekomendasikan buku ini, terutama bagi pengusaha, buku ini memiliki beberapa kekurangan. Saya pikir sebagian besar isu yang dibahas sekarang ujian waktu. Tetapi mengambil sebagian dari apa yang dikatakan Robert Kiyosaki dengan sebutir garam. Baca, jika bukan karena motivasi, hanya untuk membuat Anda berpikir berbeda dari karyawan dibayar. Saya tidak suka atau benci itu, jadi mengapa saya memberikan buku ini tiga dari lima. Jika Anda memilih untuk membaca buku dari Robert, saya sarankan Anda membaca hanya Rich Dad Poor Dad dan Ayah kaya arus kas kuadran. Kebanyakan buku-buku lain hanya mengulangi kedua buku ini. Saya tidak menyarankan menghadiri seminar lokal. Aku akan terus buku dalam daftar buku terbaik tentang keuangan pribadi alasan utama saya untuk berpikir di luar kotak. Baca juga Ulasan buku Where the Crawdads Sing oleh Delia Owens Berikutdibawah adalah beberapa buku terkenal yang ditulis oleh Robert T Kiyosaki: Rich Dad, Poor Dad. Cashflow Quadrant: Rich Dad's Guide to Financial Freedom (2000) Rich Dad's Guide to Investing: What the Rich Invest in, That the Poor and the Middle Class Do Not! (2000) Rich Kid, Smart Kid (2001) Rich Dad's Prophecy (2002)
Judul Rich Dad, Poor Dad – Apa yang Diajarkan Orang Kaya kepada Anak-anak Mereka Tentang Uang – yang Tidak Diajarkan oleh Orang Miskin dan Kelas Menengah! Penulis Robert Kiyosaki Penerbit PT Gramedia Pustaka Utama Selain dikenal sebagai investor dan motivator, Robert Kiyosaki ternyata merupakan seorang penulis handal salah satunya buku yang berjudul Rich Dad, Poor Dad yang membawanya terkenal hingga saat ini. Buku ini menceritakan mengenai perbedaan pembelajaran yang diberikan oleh 2 sosok ayah, dimana ada ayah kaya dan ayah miskin. Ayah kaya yang merupakan ayah dari sahabat Robert, dan ayah miskin merupakan ayah kandung Robert sendiri. Penulis di sini mencoba memberikan perbandingan pola pikir ke dua ayah tersebut. Kemampuan melihat peluang Hal ini diterapkan Robert ketika umur 9 tahun di mana ia memulai bisnis pertamanya mencetak uang koin dengan menggunakan timah bersama teman-temannya. Meskipun bisnis tersebut hanya bertahan beberapa jam karena dilarang orang tuanya karena dianggap perbuatan illegal. Namun setidaknya Robert mampu melihat dan mengeksekusi peluang sejak dini. Belajar mengenai melek finansial Buku ini mendalami pentingnya untuk melek finansial. Bagaimana bisa mengajak dalam melihat kondisi keuangan dalam jangka panjang. Dirimu dapat dikatakan sebagai orang yang memiliki pemahaman finansial, jika sudah bisa membaca terkait laporan keuangan, dan sudah paham mengenai perbedaan asset dan kewajiban. Di buku tersebut Robert mengutarakan bahwa “kebanyakan orang tidak dapat menyadari bahwa yang penting dalam hidup bukanlah banyak uang yang dihasilkan melainkan berapa banyak uang yang disimpan”. Selain itu, penulis juga mengajak pembaca untuk memahami perbedaan antara asset dan liabilitas. Disini penulis mencoba menjelaskan alasan logis mengapa melek keuangan itu penting. Karena memang dengan begitu akan mempengaruhi pertimbangan kita dalam menentukan arus kas. Kalian tidak harus menjadi akuntan untuk bisa memahami pola pikir seperti itu, karena tiap orang pasti dapat dengan mudah menerapkan jika mau belajar mengenai finansial. Terhindar dari Rat Race Ratrace merupakan gambaran dari seseorang yang bekerja keras namun hasilnya tidak maksimal/memuaskan. Kondisi seperti ini yang harus di hindari oleh setiap manusia, yang kadangkala secara tidak sadar berada pada rat race. Untuk menganalisisnya dengan melakukan analisi cashflow, misal kemana larinya uang yang dimiliki. Sebaiknya kita menggunakan penghasilan ke asset yang akan menambah income real estate, saham, reksadana, usaha dll Jelasnya untuk perbedaan pola pikir ke dua ayah Robert tersebut dapat dilihat pada tabel di bawah ini. Ayah MiskinAyah KayaMengalami masalah finansial di akhir orang terkaya di Hawai dan meninggalkan banyak dari ayah miskin adalah belajarlah yang pandai sehingga mampu bekerja pada perusahaan yang besar sehingga mendapatkan gaji yang tinggiPemikiran ayah kaya adalah sekolah yang pandai agar dapat membangun perusahaan dan memiliki karyawan yang pandai dan untuk untuk saat kondisi sulit Saya tidak mampu saat kondisi sulit Bagaimana saya mampu mencapainya?Bekerjalah untuk yang harusnya bekerja untuk kita. Dari beberapa perspektif yang berbeda tersebut dapat diambil pelajaran dalam beberapa poin Orang miskin dan mencengah bekerja untuk kaya mempunyai uang yang bekerja untuk berbisnis dari dari RatRace. Post Views 426
RichDad Poor Dad adalah buku kewangan terbaik yang sudah berjaya mengubah hidup jutaan pembaca di seluruh dunia. Buku ini mengubah perspektif kita kepada wang dan mengeluarkan kita daripada kitaran sia-sia Rat Race. Bangun pagi, balik petang, dapat gaji, bayar hutang. Bangun pagi, balik petang, dapat gaji, bayar hutang.
Last updated on January 18, 2023 Robert Kiyosaki’s Rich Dad Poor Dad was first published in 1997 and quickly became a must-read for people interested in investing, money, and the global economy. The book has been translated into dozens of languages, sold around the world, and has become the 1 personal finance book of all time. The overarching theme of Rich Dad Poor Dad is how to use money as a tool for wealth development. It destroys the myth that the rich are born rich, explains why your personal residence may not really be an asset, describes the real difference between an asset and a liability, and much more. Key takeaways/lessons learned Six lessons Robert Kiyosaki learned from his Rich Dad about making money and the mistakes that Poor Dad made Five obstacles to overcome before you can become rich and stay rich Ten steps to follow to develop your financial genius Actionable to-do steps you can put to work right away Chapter/Section Summaries Rich Dad Poor Dad contains a total of 10 chapters plus the introduction, but much of the book is focused on the first 6 parts or lessons. We’ll cover the introduction and the first 6 lessons, then the remaining 4 sections later in this review. Introduction Rich Dad Poor Dad Chapter 1 The Rich Don’t Work for Money Chapter 2 Why Teach Financial Literacy? Chapter 3 Mind Your Own Business Chapter 4 The History of Taxes and the Power of Corporations Chapter 5 The Rich Invent Money Chapter 6 Work to Learn – Don’t Work for Money Introduction Robert Kiyosaki, author of Rich Dad Poor Dad, had 2 main influential fathers in his life. Poor Dad was Kiyosaki’s biological father, a man who was highly intelligent and very well educated. Poor Dad believed in studying hard and getting good grades, then finding a well-paying job. Yet, despite these seemingly positive attributes, Poor Dad didn’t do well financially. Rich Dad was the father of Kiyosaki’s best friend. He had a similar work ethic to Kiyosaki’s real dad, but with a twist. Rich Dad believed in financial education, learning how money works, and understanding how to make money work for you. Although he was an eighth-grade dropout, Rich Dad eventually became a millionaire by putting the power of money to work for him. The book is written from Kiyosaki’s perspective of how Rich Dad went about making money and the mistakes that Poor Dad made. The first 6 chapters of Rich Dad Poor Dad make up about two-thirds of the book and discuss the 6 lessons that Kiyosaki learned from his Rich Dad. Chapter 1 The rich don’t work for money Oftentimes people misunderstand the title of this chapter, and mistakenly believe that it means the rich don’t work. In fact, the complete opposite is true. Instead of reading the chapter title as “The Rich Don’t Work for Money”, what Kiyosaki means to say is that “The Rich Don’t Work for Money.” Note that by putting the emphasis on the word “money,” this section takes on an entirely different meaning. The truth is that the majority of rich people do work very hard, but they go about it differently than most people do. Rich people—and people who want to become rich—work and learn every day how to put money to work for them. As Rich Dad says, “The poor and middle class work for money. The rich have money work for them.” Kiyosaki also notes that having a regular job is just a short-term solution to the long-term problem or challenge of creating wealth and financial freedom “It’s fear that keeps most people working at a job the fear of not paying their bills, the fear of being fired, the fear of not having enough money, and the fear of starting over. That’s the price of studying to learn a profession or trade, and then working for money. Most people become a slave to money—and then get angry at their boss.” Chapter 2 Why teach financial literacy? The second chapter of Rich Dad Poor Dad explains the difference between an asset and a liability. Chapter 2 drives home the point that it’s not about how much money you make, but about how much money you keep. An asset is something that has value, that produces income or appreciates, and has a market where the asset can easily be bought and sold Assets produce income Assets appreciate Assets do both Conversely, liabilities take money out of your pocket because of the costs associated with them. When Rich Dad Poor Dad was first published back in 1997, Kiyosaki created a lot of controversy with this statement. That’s because by definition, a personal residence isn’t an asset unless it appreciates enough to offset the costs of ownership. On the other hand, rental property is an asset because it can generate enough passive income to exceed the expenses of operating and financing the real estate. As Kiyosaki writes in Chapter 2 of Rich Dad Poor Dad, “Want to grow rich? Concentrate your efforts on buying income-producing assets – when you truly understand what an asset is. Keep liabilities and expenses low. You’ll deepen your asset column.” Chapter 3 Mind your own business There are 2 key messages in this chapter. First, pay off your debts and start investing in income-producing assets as soon as possible. Next, stay financially healthy by spending your time instead of your paycheck and investing as much of your money as possible in assets. Kiyosaki notes in Chapter 3 of Rich Dad Poor Dad that most people confuse their profession with their business. In other words, they spend their entire lives working in somebody else’s business and making other people rich. One of my favorite quotes from this section is “The primary reason the majority of the poor and middle class are fiscally conservative is that they have no financial foundation. They have to cling to their jobs and play it safe. They can’t afford to take risks.” Chapter 4 The history of taxes and the power of corporations When reading this chapter, it’s important to keep in mind that Kiyosaki wrote Rich Dad Poor Dad as a motivational book, not to provide expert financial or tax advice. For example, Kiyosaki writes about the time he bought a Porsche and treated it as a business expense, using before-tax dollars. Buying a high-end luxury car when a much less expensive make and model would do could put an investor on the fast track to an IRS audit. But putting the Porsche aside, the points made in this chapter discuss how to play the investment game smart. The rich understand the power of company structures and the tax code and use every legal means they can to minimize their tax burden. Compare how business owners and investors with corporations such as C corps, S corps, or LLCs pay taxes to how most people pay tax Business owners with a corporate structure Earn Spend Pay taxes Employees who work for corporations Earn Pay taxes Spend Notice that employees who work for somebody else spend their money post-tax, while business owners earn and spend before paying tax. Chapter 4 of the book also covers the 4 main components of what Kiyosaki calls “Financial IQ” Accounting, Investment Strategy, Market Law, and Law. As Rich Dad Poor Dad reminds us, understanding the legal and tax advantages significantly contribute to building long-term wealth “For instance, a corporation can pay expenses before paying taxes, whereas an employee gets taxed first and must try to pay expenses on what is left. . . Corporations also offer legal protection from lawsuits. When someone sues a wealthy individual, they are often met with layers of legal protection and often find that the wealthy person actually owns nothing [in their own name]. They control everything, but [personally] own nothing.” Chapter 5 The rich invent money Inventing money means finding opportunities or deals that other people don’t have the skill, knowledge, resources, or contacts for. In Chapter 5, Rich Dad Poor Dad explains there are 2 types of investors Investment packages are bought by people who entrust their money to a developer or fund manager. This is the way that most people invest, such as buying shares of an ETF or putting money into a real estate crowdfunding venture. Professional investors look after their own investments, research the market to find deals that make sense, then hire professionals to manage the daily oversight. Professional investors have 3 things in common Identify opportunities that other people have not found Raise funds for investment Work with other intelligent people Here’s one of my favorite closing thoughts from this chapter “Some people argue that there aren’t real estate bargains where they are, but there are prime opportunities everywhere that are overlooked. Most people aren’t trained financially to recognize the opportunities in front of them.” Chapter 6 Work to learn—don’t work for money Poor Dad was intelligent and well educated and worked for money because job security meant everything to him. Rich Dad became a millionaire by working to learn. As Kiyosaki writes “I recommend to young people to seek work for what they will learn, more than what they will earn. Look down the road at what skills they want to acquire before choosing a specific profession and before getting trapped in the Rat Race.” In fact, that’s exactly what Kiyosaki did. He joined the Marines after graduating from college and learned the essential business skills of leading and managing people. After serving his country, Kiyosaki joined Xerox, overcame his fear of rejection to become one of the top 5 salespeople in the company, then left the corporate world to form his own business. Chapter 6 of Rich Dad Poor Dad then discusses the synergy of management skills needed for success in business Cash flow management Systems management People management Overcoming Obstacles Chapter 7 of Rich Dad Poor Dad begins by noting that “the primary difference between a rich person and a poor person is how they manage fear.” Robert Kiyosaki isn’t talking about the type of fear that some people have when going to the dentist or watching The Exorcist. In the book, “fear” is about the fear of losing money and how to handle that fear. It’s one of the 5 biggest obstacles people face on the path to becoming financially independent Fear Cynicism Laziness Bad habits Arrogance These roadblocks—and the failure to overcome them—are why people who have studied and achieved financial literacy are still unable to develop assets that generate plentiful amounts of cash flow. Fear Losing money is a fact of investing life, and so is the fear that comes along with it. Kiyosaki notes that he’s never met a rich person who has never lost money, but he’s met plenty of poor people who have never lost a dime because they’ve never invested. Real estate investors who choose to act only on a “sure thing” are paralyzed by fear in disguise. People who can’t see the big picture and think big are the ones who almost never, ever succeed in investing or in life. Cynicism Everybody has doubts that affect self-confidence, and it’s easy to fall into the trap of playing “What if?” especially when friends and family are constantly reminding you of your potential shortcomings. Things like the economy crashing, interest rates rising, and tenants not paying their rent are common “what if” fears that all real estate investors have. While these are important items to consider, it’s important not to allow the cynicism of others to overtake your control. Otherwise, you may become immobilized as opportunities pass you by. Laziness In today’s interconnected world it’s easy to confuse being busy with actually accomplishing things that matter. In fact, according to Rich Dad Poor Dad, busy people are often the most lazy. Busy people arrive at the office early and leave late. They bring work home to finish at night and on the weekends. Before they know it, the people and things that matter most to them have disappeared. Instead of giving in to the call of the rat race and mistaking action for accomplishment, successful real estate investors are proactive and take care of themselves and their wealth first. Bad habits Habits control behavior. For example, most people pay their bills first before they pay themselves. The result is that there’s usually very little left over at the end of the month for investing. Paying yourself first—even if you don’t have enough money to pay other people—makes you financially stronger, mentally and fiscally. In a way, it’s a form of reverse psychology. When you develop the habit of paying yourself first, you become motivated by the fear of not being able to pay creditors. In turn, you begin looking for other forms of income like investment real estate. Arrogance Investors know what makes them money. But it’s the things they don’t know—and don’t know they don’t know—that makes them lose money. When people become truly arrogant, they honestly believe that what they don’t know doesn’t matter. Train yourself to listen to what other people have to say, especially when it comes to money and investing. If you discover you’re ignorant about a subject, educate yourself or find an expert in the field. Overcoming these 5 biggest obstacles on the path to real estate success requires a blend of balance and focus. There are plenty of “Chicken Littles” in the world today—people with a victimhood mentality who live their lives in cynicism and pessimism. Rich Dad Poor Dad suggests filtering negative people and their fears out of your life. Instead, concentrate on the big picture and always ask, “What’s in it for me?” Getting started In Chapter 8, Rich Dad Poor Dad tells us that “there is gold everywhere, most people are not trained to see it.” Part of this lack of vision and clarity comes from the world we live in. We’re trained from a very young age to work hard for someone else, spend the money that we earn, and borrow more if we run short. Unfortunately, people who choose to become one of the masses never take the time to develop their financial genius. Investing in real estate is the perfect example. The average person can spend a week out in the field and find nothing, while the investor who has trained himself can easily find four or five deals that make sense in a single day! Here are the 10 steps to follow to develop your financial genius and discover the gold that’s already out there, just waiting to be found Have a deep emotional reason or purpose for doing what you do, a combination of wants and don’t wants. Understand the power of choice and choose daily what to do, including choosing the right habits and educating yourself. Choose your friends carefully by leveraging the power of association, being careful not to listen to poor or frightened people. Master the power of learning quickly and develop a formula for making money. Pay yourself first by mastering the power of self-discipline to manage your cash flow, people, and personal time. Select great people for your team and compensate them generously for their advice, because the more money they make the more money you will make. Ask “How fast do I get my money back?” by focusing on return of investment first, followed by return on investment. Use money generated by assets you own to buy luxuries by focusing on self-discipline to direct money to create more. Have a role model to follow and tap into the power of their genius to put to your use. Realize that if you want something, you need to give something first. Still want more? Here are some to-do’s. In the final section of Rich Dad Poor Dad, Chapter 9, Kiyosaki pulls the key lessons of the book together into a checklist of actions you can start taking today Stop doing what you’re doing by taking a break and assessing what is and isn’t working. Look for new ideas by finding resources on different and unique subjects. Find a mentor who’s been where you're going, take them to lunch and pick their brain. Always be learning by taking classes, attending seminars, and reading. Make lots of offers always with escape clauses because eventually someone will say “Yes.” Spend 10 minutes each month for the next 12 months walking, running, or driving a certain area and looking for changes that create bargains. Shop for real estate deals when the market corrects, because profits are made when buying, not when selling. Learn how, when, and where to buy by investing in your education. Think bigger to get richer, because small thinkers don’t get the big breaks. Most people only look for what they can afford, so buy a bigger pie and cut it into pieces by finding a buyer first, then a seller. Negotiate volume discounts by thinking big, pooling people together, and buying in bulk. Read and learn from history, because history always repeats itself. Action always beats inaction. Is Rich Dad Poor Dad Worth Reading? The goal of Rich Dad Poor Dad is to motivate you to develop your own unique path to financial freedom. While the book doesn’t take a one-size-fits-all approach with ready-made answers, it does provide an excellent framework for creating your own objectives to build wealth by investing in real estate. Strengths Provides a contrarian view that is different from the “common knowledge” found in most personal finance education Focuses on turning income you earn into assets that produce even more income Encourages controlling spending and expenses Explains why investors should focus on real estate vs. other asset types Emphasizes the power of thought and continual learning Talks about taking action instead of just thinking about it Weaknesses Success examples in the book are unique to Kiyosaki’s specific situation and may be hard to replicate Some parts of the book also lack detail, which may make the concepts discussed more difficult to apply Frequently demeans people who are more comfortable following the herd rather than thinking for themselves Rich Dad Poor Dad is a motivational book, not a book written by a financial exper
Yangsatu mati meninggalkan puluhan juta dolar untuk keluarganya, badan kebajikan dan gerejanya. Yang satu lagi meninggalkan banyak hutang untuk dibayar. Kedua lelaki itu kuat, berkarisma, dan berpengaruh. Keduanya memberi saya nasihat, tetapi nasihat mereka tidaklah serupa, malah saling bertentangan.
ReviewBuku Rich Dad Poor Dad Posted By: Adriana Posted On: September 8, 2020 Sejak awal tahun 1997, Rich Dad Poor Dad oleh Robert T. Kiyosaki, Robert Paus telah menjadi acuan dalam buku keuangan pribadi laris yang telah menjual hampir 40 juta kopi di seluruh dunia.
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