Rich Dad's Guide to Becoming Rich Without Cutting Up Your Credit Cards. Robert T. Kiyosaki

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СКАЧАТЬ question,” rich dad said. “No, there can be other kinds of reactions. A person could have so much security that the reaction is boredom and then restlessness. They want to move on, but they don’t because then they would give up their security. So that is why I say that each of us has different challenges, and each of us is unique. We’re unique because we don’t react to things in the same ways that others do.”

      “Like some people see a snake and panic, and others see a snake and get happy,” I added.

      “That’s correct. We are all different because we are all wired differently,” rich dad said.

      “So what is the point of all these mental gymnastics?” I asked.

      “The gymnastics are to make you think,” said rich dad. “I always want you to remember that everything has a price—and that the price is often twice as much as it seems. If you pay for only one side of Newton’s law, you may think you have paid the price, but you may not get what you want.”

      “Can you give us some examples?” I asked.

      “I can give you general ones because, as I said, each of us is unique,” said rich dad. “But, as a general rule, always remember that there are two sides to each situation.

      “For instance, the best employer has usually started his or her career as an employee. He or she uses that prior experience as an employee to develop a management style that empowers the employees he or she manages.”

      “So good employers will be honest and treat their employees like they would like to be treated?” I asked.

      “Exactly,” rich dad replied. “Now let’s look at an extreme example. What do you think it takes to be a good detective?”

      “To be a good detective?” Mike and I repeated in tandem, thinking that rich dad was now driving down the wrong side of the road.

      “Yes, a good detective,” rich dad continued. “To be a good detective, a detective must first be honest, moral, and of the highest integrity. Is that correct?”

      “I would hope so,” said Mike.

      “But to be good, a detective must also think exactly like a crook or someone who is immoral, unlawful, and unethical,” said rich dad. “Always remember Newton’s law. You cannot be a good detective without also being able to think like a good crook.”

      Mike and I were now nodding. We were finally beginning to understand where rich dad was going with this whole lesson.

      “So that is why a person who tries to become rich by being cheap still winds up, in many ways, as poor as someone who has no money?” I asked.

      Rich dad continued, “And why someone who seeks only security never really feels secure. Or why someone who seeks low-risk investments never feels investing is safe, and why someone who is always right eventually winds up wrong. They pay the price for one side of the equation, but fail to pay the full price. They violate a universal law.”

      Mike chimed in, “That is why it takes two people to have a fight. And to be a good detective, you have to also be a good crook. To lower risk, you have to take risks. To be rich, you have to know what it is like to be poor. To know what a good investment is, you have to also know what a bad one is.”

      “And that is why most people say investing is risky,” I added. “Most people think that, to invest in a safe investment, you must also lower your return on the investment. That is why so many people put money in a savings account. They put it in for security and are willing to take less interest for that safety. But their money is being eaten away by inflation. And the interest on their money is taxed at a high rate. So their safe-as-money-in-the-bank idea is not such a safe idea.”

      Rich dad concurred. “Having money in the bank is better than not having money in the bank. But you are correct by saying that it’s not as safe as they may like to think. There is a price for that illusion of safety.”

      Mike then turned to his dad and said, “You’ve always said that it’s possible to have low-risk investments with very high returns.”

      “Yes,” replied rich dad. “It is relatively easy to have security and still get a 20 to 50 percent return without paying a lot in taxes or using much of your own money—if you know what you are doing.”

      “So what you’re telling us now,” Mike said, “is that the price you paid was higher than what the average investor is willing to pay.”

      Rich dad nodded. “Always remember that everything has a price, and that price is not always measured in money.”

      The Price of Being Cheap

      When I hear money gurus say, “Cut up your credit cards, buy a used car, and live below your means,” I know they mean well. But as my rich dad said, “Everything has a price.” And the price for becoming rich by being cheap is that you still wind up being cheap. And living life as a rich but cheap person is, in my opinion, a very high price to pay.

      Rich dad also said, “The problem is not the credit cards. It is the financial illiteracy of the person holding the credit cards that is the problem. Getting financially literate is part of the price you need to pay to become rich.”

      And that is why so many people do not like the idea of cutting up their credit cards and living below their means. Given the choice, I think most people would rather enjoy this life as rich people who enjoy rich lives. And they can, if they are willing to pay the price.

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