友情提示:如果本网页打开太慢或显示不完整,请尝试鼠标右键“刷新”本网页!阅读过程发现任何错误请告诉我们,谢谢!! 报告错误
热门书库 返回本书目录 我的书架 我的书签 TXT全本下载 进入书吧 加入书签

富爸爸,穷爸爸(英文版)-第38章

按键盘上方向键 ← 或 → 可快速上下翻页,按键盘上的 Enter 键可回到本书目录页,按键盘上方向键 ↑ 可回到本页顶部!
————未阅读完?加入书签已便下次继续阅读!



le will make in their lifetime。
Another side note。 In today's fast…changing world; it's not so much what you know anymore that counts; because often what you know is old。  It is how fast you learn。 That skill is priceless。  It's priceless in finding faster formulas…recipes; if you will; for making dough。 Working hard for money is an old formula born in the day of cave men。

5。 PAY YOURSELF FIRST: The power of self…discipline。 If you cannot get control of yourself; do not try to get rich。 You might first want to join the Marine Corps or some religious order so you can get control of yourself。 It makes no sense to invest; make money and blow it。 It is the lack of self…discipline that causes most lottery winners to go broke soon after winning millions。  It is the lack of self…discipline that causes people who get a raise to immediately go out and buy a new car or take a cruise。
It is difficult to say which of the ten steps is the most important。  But of all the steps; this step is probably the most difficult to master if it is not already a part of your makeup。 I would venture to say that it is the lack of personal self…discipline that is the No。 1 delineating factor between the rich; the poor and the middle class。
Simply put; people who have low self…esteem and low tolerance for financial pressure can never; and I mean never; be rich。 As I have said; a lesson learned from my rich dad was that 〃the world will push you around。〃 The world pushes people around not because other people are bullies; but because the individual lacks internal control and discipline。 People who lack internal fortitude often bee victims of those who have self…discipline。
In the entrepreneur classes I teach; I constantly remind people to not focus on their product; service or widget; but to focus on developing management skills。 The three most important management skills necessary to start your own business are:

1。 Management of cash flow。
2。 Management of people。
3。 Management of personal time。

I would say; the skills to manage these three apply to anything; not just entrepreneurs。 The three matter in the way you live your life as an individual; or as part of a family; a business; a charitable organization; a city or a nation。
Each of these skills is enhanced by the mastery of self discipline。 I do not take the saying 〃pay yourself first〃 lightly。
The Richest Man in Babylon; by George Classen; is where the statement 〃pay yourself first〃 es from。 Millions of copies have been sold。  But while millions of people freely repeat that powerful statement; few follow the advice。 As I said; financial literacy allows one to read numbers; and numbers tell the story。  By looking at a person's ine statement and balance sheet; I can readily see if people who spout the words 〃pay yourself first〃 actually practice what they preach。
A picture is worth a thousand words。  So let's again pare the financial statements of people who pay themselves first against someone who doesn't。
 
People who pay themselves first

             ++
 Job………》|Ine      |
   ^   |…     |
   |  | Expense      |     |
                 ++    |
            +……《   
…|+
|    Assets    |     Liabilities  |
|                  |                      |
|_________|____________|

Someone who pays everyone else first… Often there is nothing left

             ++
 Job………》|Ine      |
       |…     
     | Expense      | 》 Nothing left!
                 ++    
………+
|    Assets    |     Liabilities  |
|                  |                      |
|_________|____________|

Study the diagrams and notice if you can pick up some distinctions。  Again; it has to do with understanding cash flow; which tells the story。 Most people look at the numbers and miss the story。 If you can truly begin to understand the power of cash flow; you will soon realize what is wrong with the picture on the next page; or why 90 percent of most people work hard all their lives and need government support like Social Security when they are no longer able to work。
Do you see it? The diagram above reflects the actions of an individual who chooses to pay himself first。 Each month; they allocate money to their asset column before they pay their monthly expenses。 Although millions of people have read Classen's book and understand the words 〃pay yourself first;〃 in reality they pay themselves last。
Now I can hear the howls from those of you who sincerely believe in paying your bills first。 And I can hear all the 〃responsible〃 people who pay their bills on time。 I am not saying be irresponsible and not pay your bills。 All I am saying is do what the book says; which is 〃pay yourself first。〃 And the diagram above is the correct accounting picture of that action。 Not the one that follows。
My wife and I have had many bookkeepers and accountants and bankers who have had a major problem with this way of looking at 〃pay yourself first。〃 The reason is that these financial professionals actually do what the masses do; which is pay themselves last。 They pay everyone else first。
There have been months in my life; when for whatever reason; cash flow was far less than my bills。 I still paid myself first。 My accountant and bookkeeper screamed in panic。  〃They're going to e after you。 The IRS is going to put you in jail。〃  〃You're going to ruin your credit rating。〃 〃They'll cut off the electricity。〃 I still paid myself first。
〃Why?〃 you ask。 Because that's what the story The Richest Man In Babylon was all about。 The power of self…discipline and the power of internal fortitude。  〃Guts;〃 in less elegant terms。 As my rich dad taught me the first month I worked for him; most people allow the world to push them around。 A bill collector calls and you 〃pay or else。〃 So you pay and not pay yourself。 A sales clerk says; 〃Oh; just put it on your charge card。〃 Your real estate agent tells you to 〃go ahead…the government allows you a tax deduction on your home。〃 That is what the book is really about。 Having the guts to go against the tide and get rich。 You may not be weak; but when it es to money; many people get wimpy。
I am not saying be irresponsible。 The reason I don't have high credit card debt; and doodad debt; is because I want to pay myself first。 The reason I minimize my ine is because I don't want to pay it to the government。 That is why; for those of you who have watched the video The Secrets of the Rich; my ine es from my asset column; through a Nevada corporation。 If I work for money; the government takes it。
Although I pay my bills last; I am financially astute enough to not get into a tough financial situation。 I don't like consumer debt。 I actually have liabilities that are higher than 99 percent of the population; but I don't pay for them; other people pay for my liabilities。 They're called tenants。  So rule No。 1 in paying yourself first is don't get into debt in the first place。 Although I pay my bills last; I set it up to have only small unimportant bills; that I will have to pay。
Secondly; when I occasionally e up short; I still pay myself first。 I let the creditors and even the government scream。 I like it when they get tough。 Why? Because those guys do me a favor。 They inspire me to i go out and creat
返回目录 上一页 下一页 回到顶部 0 0
未阅读完?加入书签已便下次继续阅读!
温馨提示: 温看小说的同时发表评论,说出自己的看法和其它小伙伴们分享也不错哦!发表书评还可以获得积分和经验奖励,认真写原创书评 被采纳为精评可以获得大量金币、积分和经验奖励哦!