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Why "A" Students Work for "C" Students and "B" Students Work for the Government: Rich Dad's Guide to Financial Education for Parents
Kiyosaki expands on his belief that the school system was created to churn out 'Es' / Employees... those "A Students" who read well, memorize well and test well... and not the creative thinkers, visionaries and dreamers –entrepreneurs-in-the-making... those "C Students who grow up to be the innovators and creators of new ideas, businesses, applications and products.
The book urges parents not to be obsessed with their kids' "letter grades" ("good grades" might only mean they or the student themselves were successful in jamming a square peg into a round hole...) and focus, instead, on concepts, ideas, and helping their child find their true genius, their special gift. The path they can pursue with a love and true passion.
Robert showcases success stories of "C Students" who grew up to be phenomenal successes � and HIRED those "A Students"(attorneys, accountants, and other school-smart specialists) to work in their businesses... while the more average students, "B Students," often find themselves in government-type jobs...
Not surprisingly, Kiyosaki will coin his own definitions of what "A," "B," and "C" stand for as he gives parents and their children bits of wisdom as well as insights and tools for navigating an ever-changing world... an Information Age world where the ability to change and adapt, understand relationships, and anticipate the future will shape their lives.
The book urges parents not to be obsessed with their kids' "letter grades" ("good grades" might only mean they or the student themselves were successful in jamming a square peg into a round hole...) and focus, instead, on concepts, ideas, and helping their child find their true genius, their special gift. The path they can pursue with a love and true passion.
Robert showcases success stories of "C Students" who grew up to be phenomenal successes � and HIRED those "A Students"(attorneys, accountants, and other school-smart specialists) to work in their businesses... while the more average students, "B Students," often find themselves in government-type jobs...
Not surprisingly, Kiyosaki will coin his own definitions of what "A," "B," and "C" stand for as he gives parents and their children bits of wisdom as well as insights and tools for navigating an ever-changing world... an Information Age world where the ability to change and adapt, understand relationships, and anticipate the future will shape their lives.
453 pages, Paperback
Published April 9, 2013
451 people are currently reading
5,660 people want to read
About the author
Robert T. Kiyosaki
580books8,985followersRobert Toru Kiyosaki is an American businessman and author, known for the Rich Dad Poor Dad series of personal finance books. He is the founder of the Rich Dad Company, a private financial education company that provides personal finance and business education to people through books and videos, and Rich Global LLC, which filed for bankruptcy in 2012.
Since 2010, Kiyosaki was the subject of a class action suit filed by people who attended his seminars, and the subject of investigative documentaries by the CBC, WTAE-TV and CBS News. In January 2024, Kiyosaki revealed that he was more than $1 billion dollars in debt.
Since 2010, Kiyosaki was the subject of a class action suit filed by people who attended his seminars, and the subject of investigative documentaries by the CBC, WTAE-TV and CBS News. In January 2024, Kiyosaki revealed that he was more than $1 billion dollars in debt.
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Displaying 1 - 30 of 213 reviews
June 5, 2015
I lied, I didn't actually finish the book. That's how bad it was. I'm mad I wasted so much time in finishing as much as I did.
Did anyone edit this book?
The author repeated the same material and words in every chapter.
It felt like rambles with very poor research.
Did anyone edit this book?
The author repeated the same material and words in every chapter.
It felt like rambles with very poor research.
December 23, 2013
If Robert Kiyosaki described this book as "the most important book I've ever written", I would like to say that this is definitely the most important book I've ever read. It showcases success stories of "C Student" who grew up to be phenomenal successes and hired those "A Students" to work in their business.. while the more average students, "B Students", often find themselves in government-type jobs. Other than that, it made me think about what I've already seen with my own eyes and have experienced as well. It's important being smart in school or having a good grades, but the most important thing is being able to translate what we learned in school to the real life. The book gave me a very good financial education, in order to avoid having grown ups always living pay check to pay check. I loved the book. Every people around the world really have to read this book.
May 31, 2013
What I did everyday was read about 15 minutes a day. I mostly read in my 1 period class because we are supposed to read a independent reading book. I have also have read with my mom on this book on how clever this book tells you the logic on how bad and horrible on people not making their money work for them and people are working for their money.
Robert Kiyosaki says that teachers should have their kids learn about how money works. There are countless of people who have not taken business, or entrepreneurship. This book explains if teacher's keep teaching children to be in a rat race then people will always lose money. He explains that a rat race starts in college,then get's you more in depth by getting a job, and be the life of a self employee. I think that these guidelines are extremely helpful in to knowing how money work's.
I even told my mom when I read how the bank works. This book was the third most interesting book I ever hear or read about and I'm glad I read it.
Robert Kiyosaki says that teachers should have their kids learn about how money works. There are countless of people who have not taken business, or entrepreneurship. This book explains if teacher's keep teaching children to be in a rat race then people will always lose money. He explains that a rat race starts in college,then get's you more in depth by getting a job, and be the life of a self employee. I think that these guidelines are extremely helpful in to knowing how money work's.
I even told my mom when I read how the bank works. This book was the third most interesting book I ever hear or read about and I'm glad I read it.
June 29, 2018
This is an ode to capitalism and wealth acquisition masquerading as a self-help guide on financial literacy. The central thesis is that the best way to make money is to own a big business or, better still, invest and let your money work for you. The titular "A" students, he argues, lack the courage to take the risks to do those things and settle for earning paychecks.
Of course, this argument requires accepting the unstated premise: that personal monetary gain should be the motivating factor in how a person lives their life. The reality is that not everyone shares that goal. Many people choose to sacrifice monetary riches to work in fields that improve the lives of others. Some people lack the drive, means, or even the desire to be a job creator. And it's a good thing! If everyone refused to be a mere employee, there would be no one to make up the work force of the large businesses he loves.
The scant good ideas in this book (e.g. leveraging debt to work for you) are interesting enough but they do not warrant a book of this length. And they could surely be conveyed without denigrating good students and perpetuating the long-shot dream of wealth-through-entrepreneurship-instead-of-education. His chief examples of poor students who took risks and went on to be fabulously wealthy are people like Bill Gates and Mark Zuckerburg, once-in-a-generation successes who got rich on big ideas. Great stories, sure. But hardly a template for success.
Of course, this argument requires accepting the unstated premise: that personal monetary gain should be the motivating factor in how a person lives their life. The reality is that not everyone shares that goal. Many people choose to sacrifice monetary riches to work in fields that improve the lives of others. Some people lack the drive, means, or even the desire to be a job creator. And it's a good thing! If everyone refused to be a mere employee, there would be no one to make up the work force of the large businesses he loves.
The scant good ideas in this book (e.g. leveraging debt to work for you) are interesting enough but they do not warrant a book of this length. And they could surely be conveyed without denigrating good students and perpetuating the long-shot dream of wealth-through-entrepreneurship-instead-of-education. His chief examples of poor students who took risks and went on to be fabulously wealthy are people like Bill Gates and Mark Zuckerburg, once-in-a-generation successes who got rich on big ideas. Great stories, sure. But hardly a template for success.
May 16, 2013
My father was an entrepreneur. I spent my childhood alternating between lolling in luxury and fearing the bank would come repossess the bed I slept on. Consequently, I myself am a salaried employee with a blinding fear of running my own business.
Until now, I've tried teaching my children that money doesn't buy happiness and that one shouldn't pursue money. This book has made me realise I should at least stop discouraging the kids every time they want to run a lemonade stand or bake muffins to sell at the side of the road.
A lot of the information in the book is repeated, and the edition I read could do with a good edit for typos - that's the only reason I'm not giving it 5/5.
Until now, I've tried teaching my children that money doesn't buy happiness and that one shouldn't pursue money. This book has made me realise I should at least stop discouraging the kids every time they want to run a lemonade stand or bake muffins to sell at the side of the road.
A lot of the information in the book is repeated, and the edition I read could do with a good edit for typos - that's the only reason I'm not giving it 5/5.
July 29, 2013
Let me start by saying that although I did like the book, I do wish that more attention was paid to grammar and spelling, but aside from that, I think this book is pretty good because it made me think about what I've already seen with my own eyes and have experienced as well. I've met people that are what I'd call above smart, but they don't seem to do very well once they are in the real world. They get amazing grades in school, but they are not able to translate the success they enjoyed in school to the workplace and yes, they do end up working for people/students that are usually C students.
The author, Kiyosaki, also made a really good point when he spoke about how little we, students, know about finance by the time we finish school. I graduated with an MBA a couple of years ago, and from experience I can attest that there was no course taught in school that dealt with things such as: learning to manage your money, investing, real estate, etc. All those things, I've learned from books I got from the library, in other words, self-taught. Yes, we do and should teach children early on about money, finance, investing, etc., in order to avoid having grown ups always living pay check to pay check. I liked the book, but a little repetitive and in need of proofreading.
The author, Kiyosaki, also made a really good point when he spoke about how little we, students, know about finance by the time we finish school. I graduated with an MBA a couple of years ago, and from experience I can attest that there was no course taught in school that dealt with things such as: learning to manage your money, investing, real estate, etc. All those things, I've learned from books I got from the library, in other words, self-taught. Yes, we do and should teach children early on about money, finance, investing, etc., in order to avoid having grown ups always living pay check to pay check. I liked the book, but a little repetitive and in need of proofreading.
April 20, 2016
مخاطب اصلی این کتاب به نظر میرس� والدینی باشد که درصدد هستند به کودکان خود در مورد مسائل مالی آموزشهای� را بدهند که در مدرسه به طور معمول دریافت نمیکنن�. ولی خوب برای دانشآموزا� سابقی نظیر من هم که به صورت رسمی این آموزشه� را ندیدهای� شاید جالب باشد هر چند جسته و گریخته اکثر موارد مطروح را در خانواده یاد گرفته� باشیم.
از این منظر کتاب را دوست داشتم و پیام آن را (یا حداقل پیامی که من دریافت کردم) مبنی بر اینکه به جای «کارمند» کارآفرین شویم را
پسندیدم. و البته مرور قوانین بعضا سادها� که میتوان� در این مسیر فرد (کودک) را یاری کند برای جالب بود.
شاید تنها و عمدهتری� نقدی که به کتاب داشته باشم این است که به زعم من میش� پیام کتاب را خلاصهت� گفت به خصوص در بخشها� ابتدایی کتاب (حتی شاید تا بیش از نصف آن) بیشتر از اینکه به بیان راهحله� برای رفع این مشکل (عدم آشنایی افراد با آموزش مالی و دویدن دنبال حقوق بخور و نمیر) پرداخته شود به تکرار و تاکید چند باره مشکل اقدام میشو� که شاید از جهت متقاعد کردن خواننده به وجود این مشکل باشد ولی برای خوانندها� که بر سر مشکل با نویسنده همعقید� است یا زود قانع شده است این امر کمی آزاردهنده میشو�.
از این منظر کتاب را دوست داشتم و پیام آن را (یا حداقل پیامی که من دریافت کردم) مبنی بر اینکه به جای «کارمند» کارآفرین شویم را
پسندیدم. و البته مرور قوانین بعضا سادها� که میتوان� در این مسیر فرد (کودک) را یاری کند برای جالب بود.
شاید تنها و عمدهتری� نقدی که به کتاب داشته باشم این است که به زعم من میش� پیام کتاب را خلاصهت� گفت به خصوص در بخشها� ابتدایی کتاب (حتی شاید تا بیش از نصف آن) بیشتر از اینکه به بیان راهحله� برای رفع این مشکل (عدم آشنایی افراد با آموزش مالی و دویدن دنبال حقوق بخور و نمیر) پرداخته شود به تکرار و تاکید چند باره مشکل اقدام میشو� که شاید از جهت متقاعد کردن خواننده به وجود این مشکل باشد ولی برای خوانندها� که بر سر مشکل با نویسنده همعقید� است یا زود قانع شده است این امر کمی آزاردهنده میشو�.
April 26, 2015
I was really excited about this book but it turned out to be a big disappointment. There are virtually no new ideas if you've read the original "Rich Dad, Poor Dad", and I was annoyed by the constant repetition (yes, I know Romney paid less taxes than Obama...). Kiyosaki makes a good point that neither schools nor parents are training kids to be "C" students -- capitalists -- but other than advocating playing Monopoly or his Cash Flow 101 board game with kids, he offers few solutions. His "seven words of money" -- concepts everyone should master relating to money -- would have been a good starting point however if he had included advice on how to teach them to kids: income, expense, assets [business, real estate, paper assets, commodities], liabilities, debt, cash flow. Then again maybe Monopoly does teach you everything!
December 12, 2016
Well, there's nothing to learn here. While I really enjoyed some of Kiyosaki's other books, this one really lacks substance. He regurgitates and repeats and repeats and repeats (yep, it's annoying just like this run-on sentence) the same sentences over and over until you think you're reading in circles.
The action steps for parents at the end of each chapter are not actually action steps, they are more like vague ideas all good parents already know they should do. Some practical ideas would have at least made the book worth its purchase price, but sadly, none are revealed.
You would be much better off playing Kiyosaki's game Cashflow for Kids with your kids to teach them about money than to read this book.
Move along, there's nothing to learn here.
The action steps for parents at the end of each chapter are not actually action steps, they are more like vague ideas all good parents already know they should do. Some practical ideas would have at least made the book worth its purchase price, but sadly, none are revealed.
You would be much better off playing Kiyosaki's game Cashflow for Kids with your kids to teach them about money than to read this book.
Move along, there's nothing to learn here.
January 8, 2019
Pembacaan amat bermanfaat bagi saya di masa yang amat sesuai; iaitu sewaktu saya baru kehilangan kerja makan gaji. Bermanfaat namun membawa rasa terkilan yang bukan sedikit, kerana saya terlewat membaca buku ini. Hailaa, macam alasan saja kan? Tapi betul tau, dah bertahun buku ini tersorok di rak, sekarang baru nak baca. Kalau saya baca setahun yang lepas, saya yakin sekurang-kurangnya saya dapat kurangkan kadar bayaran cukai. Membengangkan, semakin bertambah gaji dan elaun, semakin banyak cukai kena bayar. Rupanya saya ambil ringan insentif yang banyak diberi untuk tambah kadar cukai dikecualikan. Obviously, bab paling bermakna buat saya dan saya baca dua kali ialah Bahagian 2 Bab 13: Satu Lagi Sudut Pandang Tentang Cukai.
Berbalik kepada objektif buku iaitu mendorong ibubapa mendidik anak-anak supaya bijak bahasa kewangan, memang tepat dan tak boleh disangkal. Tapi, walaupun Kiyosaki tak sebut pun, terlebih dahulu ibubapa mestilah mendidik diri sendiri dengan ilmu ini kan. Antara yang paling saya ingat (dalam ayat saya); sistem pendidikan kita mengajar anak-anak untuk membanting tulang empat kerat dan masa untuk bekerja keras demi wang. Sistem pendidikan kita tidak menyediakan anak-anak sebagai usahawan besar yang boleh cetak duit sendiri dan tentukan arah kekayaan mereka. Namun, betul sangat kata Kiyosaki, kita tak harus harapkan guru-guru kerana mereka hanya mengajar anak kita satu semester atau satu tahun, kita yang berkuasa mendidik anak kita kebanyakan usia muda mereka atau mungkin seumur hidup.
Buku ini memang perlu sangat dibaca oleh lebih ramai ibubapa malah bakal ibubapa. Sekarang ni rasa saya (berdasarkan pengalaman di tempat kerja lama), pihak kementerian pendidikan sudah mula mengendurkan sedikit sasaran 'graduate employability' dengan memasukkan juga elemen 'keusahawanan' sebagai kayu ukur kejayaan universiti. Alhamdulillah sudah ada anjakan positif, agaknya hasil observation cerdik pandai kita terhadap golongan super rich yang ramai juga tidak menamatkan kolej atau bukan dari kalangan high achievers semasa belajar.
Saya perlu luangkan masa memikirkan cara mengurangkan penggantungan kepada makan gaji dan buat kerja memenatkan sebagai tukang jual itu ini (yang memenjarakan saya sebagai golongan E & S dalam Cashflow Quadrant.
Berbalik kepada objektif buku iaitu mendorong ibubapa mendidik anak-anak supaya bijak bahasa kewangan, memang tepat dan tak boleh disangkal. Tapi, walaupun Kiyosaki tak sebut pun, terlebih dahulu ibubapa mestilah mendidik diri sendiri dengan ilmu ini kan. Antara yang paling saya ingat (dalam ayat saya); sistem pendidikan kita mengajar anak-anak untuk membanting tulang empat kerat dan masa untuk bekerja keras demi wang. Sistem pendidikan kita tidak menyediakan anak-anak sebagai usahawan besar yang boleh cetak duit sendiri dan tentukan arah kekayaan mereka. Namun, betul sangat kata Kiyosaki, kita tak harus harapkan guru-guru kerana mereka hanya mengajar anak kita satu semester atau satu tahun, kita yang berkuasa mendidik anak kita kebanyakan usia muda mereka atau mungkin seumur hidup.
Buku ini memang perlu sangat dibaca oleh lebih ramai ibubapa malah bakal ibubapa. Sekarang ni rasa saya (berdasarkan pengalaman di tempat kerja lama), pihak kementerian pendidikan sudah mula mengendurkan sedikit sasaran 'graduate employability' dengan memasukkan juga elemen 'keusahawanan' sebagai kayu ukur kejayaan universiti. Alhamdulillah sudah ada anjakan positif, agaknya hasil observation cerdik pandai kita terhadap golongan super rich yang ramai juga tidak menamatkan kolej atau bukan dari kalangan high achievers semasa belajar.
Saya perlu luangkan masa memikirkan cara mengurangkan penggantungan kepada makan gaji dan buat kerja memenatkan sebagai tukang jual itu ini (yang memenjarakan saya sebagai golongan E & S dalam Cashflow Quadrant.
September 1, 2020
Es un libro en el que te enseña la realidad sobre la educación actual, donde las universidades han quedado obsoletas. En la cual, la dedicación y la ambición se puede llegar bastante lejos.
También habla sobre por qué las personas que obtenían muy buenas calificaciones en la escuela, acaban siendo empleados de los estudiantes de peores notas.
También habla sobre por qué las personas que obtenían muy buenas calificaciones en la escuela, acaban siendo empleados de los estudiantes de peores notas.
July 3, 2018
I've read two (this is my second) Robert Kiyosaki's books and I tend to like his writing. It's simple and straightforward and the information he provides is usually quite useful. However, I do not like his constant use of his "poor" dad as his prime example of financial failure and doom. I believe the departed (his dad) should not be spoken of so much if he is not around to defend his choices.
Anyway, this book does not give you specifics step by step to financial freedom but it does explain the system in which we exist and how schools are the primary manufacturers of "employees" for the system. As an A student, most of what he described in terms of fear of failure, etc. resonated with me as I was an A student working for the government in the E/S quadrant (with a bunch of other A and B students) trying to get on the professional path (doctor). However, I quickly saw the fallacy of societal expectations and got on the road to financial freedom and am now an entrepreneur myself. If I had gone the professional (engineer, lawyer or doctor) and/or academia route, I probably would not be much entertained by this book as it touches some sensitive truths. But, at the same time, I think the percentage of A and C students who truly succeed is probably about the same. Not all C students will be successful and not all A students will work for C students. And, not all B students will work for the government. It's possible that most C students tend to go into the business world because it's practical and requires outstanding social skills that most A students aka bookworms don't seem to hone.
I'd recommend this book purely for the content and Kiyosaki's interesting perspective. It's definitely brain food that will have you questioning some of your financial decisions such as college. I've met so many people who attend college without an idea of what they want to do with the degree (investing money and time that doesn't give good ROI) . I met so many doctors who didn't really like their job, engineers who didn't like their job and leave their industry for the financial and financial for the entrepreneurial world. Once you enter the B/I quadrant, it's nearly impossible to go back to the E/S quadrant.
Anyway, this book does not give you specifics step by step to financial freedom but it does explain the system in which we exist and how schools are the primary manufacturers of "employees" for the system. As an A student, most of what he described in terms of fear of failure, etc. resonated with me as I was an A student working for the government in the E/S quadrant (with a bunch of other A and B students) trying to get on the professional path (doctor). However, I quickly saw the fallacy of societal expectations and got on the road to financial freedom and am now an entrepreneur myself. If I had gone the professional (engineer, lawyer or doctor) and/or academia route, I probably would not be much entertained by this book as it touches some sensitive truths. But, at the same time, I think the percentage of A and C students who truly succeed is probably about the same. Not all C students will be successful and not all A students will work for C students. And, not all B students will work for the government. It's possible that most C students tend to go into the business world because it's practical and requires outstanding social skills that most A students aka bookworms don't seem to hone.
I'd recommend this book purely for the content and Kiyosaki's interesting perspective. It's definitely brain food that will have you questioning some of your financial decisions such as college. I've met so many people who attend college without an idea of what they want to do with the degree (investing money and time that doesn't give good ROI) . I met so many doctors who didn't really like their job, engineers who didn't like their job and leave their industry for the financial and financial for the entrepreneurial world. Once you enter the B/I quadrant, it's nearly impossible to go back to the E/S quadrant.
May 14, 2013
Filled with excellent financial knowledge. May deter some from reading as it is rather lengthy. Excellent points. ..three sides to a coin, perspectives on wealth, financial home learning. This book will be in our parenting collection and I urge parents to even skim through and pick just a few points. pg 388"Every child has the potential to grow into a rich person, a poor person, or a middle-class person. Parents have the power to influence which one their child becomes." Earlier work: Rich Dad Poor Dad...Put your Brain in motion...say this sentence "I can't afford the things I want." Now say: "How can I afford the things I want?"
September 24, 2016
Kiyosaki should be glad I'm an "A" student; because that is the only reason I persevered with his somewhat repetitive book.
What he says is for the most part true but not all of it is "doable."Leveraging money to buy Real Estate sounds great but if the purchased property does not get rented, far from being passive income it'll become a liabilty. An interecting read but with some caution.
What he says is for the most part true but not all of it is "doable."Leveraging money to buy Real Estate sounds great but if the purchased property does not get rented, far from being passive income it'll become a liabilty. An interecting read but with some caution.
April 5, 2023
Tämä kirja oli mielestäni loistava!
Kiyosakin ensimmäinen kirja Rich Dad Poor Dad oli se, joka neljä vuotta sitten käynnisti omassa ajatteluprosessissani muutoksen ja edesauttoi sitä, että lopetin päivätyössäni. Tämä kirja oli täydellistä jatkoa sen ajatuksille ja auttoi minua nyt jälleen eteenpäin uusien suunnitelmien pariin.
Kirja on kirjoitettu oppaaksi vanhemmille, jotta vanhemmat voivat ymmärtää asioita ja ennen kaikkea auttaa lapsiaan saamaan kunnollisen talouskasvatuksen, tai oikeammin talouskoulutuksen, sillä kuten Kiyosaki kirjassaan korostaa, ei sellaista koulusta saa. Minulla ei ole lapsia, mutta tämä kirja opetti minua itseäni ja sai samalla miettimään, että jo ihan näiden oppien eteenpäinlaittamisen vuoksi voisi olla mukavaa, jos olisi.
Tämän kirjan ajatukset omasta taloudestaan vastuunottaisesta kolahtivat minuun täysin. Uskon, että ne haastavat varmasti monien ajatuksia, sillä kirjan pointtina on kannustaa ihmisiä tarjoamaan työtä ja asuntoja muille eikä odottamaan, että joku muu työllistää heidät.
Kuten Kiyosaki sanoo kirjassa useaan otteeseen, on tärkeämpää, että ihmisiä opetetaan kalastamaan eikä että heille annetaan kalaa, millä viitataan hänen ajatuksiinsa siitä, kuinka yhteiskunta ei nykyään enää tue vain niitä, jotka sitä oikeasti tarvitsisivat, vaan yleisesti suurin osa ihmisistä elää mentaliteetilla, että yhteiskunta kyllä tukee ja maksaa haluten yhteiskunnan maksavan etuuksia, jotka tekevät todella ison loven valtion budjettiin.
Kirjan monimutkaiselta kuulostavan nimen taustalla on ajatus siitä, että huippuoppilaat ovat tottuneet siihen, että virheistä rangaistaan ja asiat tulee tehdä oikein. He päätyvät usein palkansaajiksi huippuvirkoihin kuten toimitusjohtajiksi yms. mutta eivät yhtä usein itse luomaan yrityksiä ja työpaikkoja kuin heikkojen arvosanojen oppilaat, jotka taas ovat tottuneet jo koulussa, että virheitä tulee tehtyä ja niistä oppii.
Kirja auttaa opettamaan, millaisia taloustaitoja ihmiset oikeasti tarvitsevat, miten niistä hyötyvät kaikki ja tarjoaa paljon hyviä vinkkejä siihen, kuinka lapsestaan voi opettaa taloudellisesti fiksun, kun koululaitos ei tee sen eteen mitään.
Kirja oli kirjoitettu todella selkeästi, mutta sille olisi tehnyt hyvää parempi editointi. Monet asiat toistettiin kirjassa yhä uudelleen ja uudelleen, minkä jälkeen ne vielä kerrattiin erillisessä luvussa. Tämä voi toki voi olla hyväkin, sillä monet ajatukset voivat haastaa mieltä sen verran, etteivät ne tartu ehkä heti ensimmäisellä maininnalla. Kiyosakin oman rahapelin jatkuva toisto oli myös hieman silmiinpistävää.
Kirja keskittyy Yhdysvaltoihin, joten se antoi samalla mielenkiintoista kuvaa maan talousjärjestelmästä. Kirjan pääpointit pätevät kuitenkin kaikkialla maasta riippumatta.
Tämä on todella mielenkiintoinen kirja kaikille, jotka haluavat jotain muuta kuin työelämän klassista oravanpyörää!
Kiyosakin ensimmäinen kirja Rich Dad Poor Dad oli se, joka neljä vuotta sitten käynnisti omassa ajatteluprosessissani muutoksen ja edesauttoi sitä, että lopetin päivätyössäni. Tämä kirja oli täydellistä jatkoa sen ajatuksille ja auttoi minua nyt jälleen eteenpäin uusien suunnitelmien pariin.
Kirja on kirjoitettu oppaaksi vanhemmille, jotta vanhemmat voivat ymmärtää asioita ja ennen kaikkea auttaa lapsiaan saamaan kunnollisen talouskasvatuksen, tai oikeammin talouskoulutuksen, sillä kuten Kiyosaki kirjassaan korostaa, ei sellaista koulusta saa. Minulla ei ole lapsia, mutta tämä kirja opetti minua itseäni ja sai samalla miettimään, että jo ihan näiden oppien eteenpäinlaittamisen vuoksi voisi olla mukavaa, jos olisi.
Tämän kirjan ajatukset omasta taloudestaan vastuunottaisesta kolahtivat minuun täysin. Uskon, että ne haastavat varmasti monien ajatuksia, sillä kirjan pointtina on kannustaa ihmisiä tarjoamaan työtä ja asuntoja muille eikä odottamaan, että joku muu työllistää heidät.
Kuten Kiyosaki sanoo kirjassa useaan otteeseen, on tärkeämpää, että ihmisiä opetetaan kalastamaan eikä että heille annetaan kalaa, millä viitataan hänen ajatuksiinsa siitä, kuinka yhteiskunta ei nykyään enää tue vain niitä, jotka sitä oikeasti tarvitsisivat, vaan yleisesti suurin osa ihmisistä elää mentaliteetilla, että yhteiskunta kyllä tukee ja maksaa haluten yhteiskunnan maksavan etuuksia, jotka tekevät todella ison loven valtion budjettiin.
Kirjan monimutkaiselta kuulostavan nimen taustalla on ajatus siitä, että huippuoppilaat ovat tottuneet siihen, että virheistä rangaistaan ja asiat tulee tehdä oikein. He päätyvät usein palkansaajiksi huippuvirkoihin kuten toimitusjohtajiksi yms. mutta eivät yhtä usein itse luomaan yrityksiä ja työpaikkoja kuin heikkojen arvosanojen oppilaat, jotka taas ovat tottuneet jo koulussa, että virheitä tulee tehtyä ja niistä oppii.
Kirja auttaa opettamaan, millaisia taloustaitoja ihmiset oikeasti tarvitsevat, miten niistä hyötyvät kaikki ja tarjoaa paljon hyviä vinkkejä siihen, kuinka lapsestaan voi opettaa taloudellisesti fiksun, kun koululaitos ei tee sen eteen mitään.
Kirja oli kirjoitettu todella selkeästi, mutta sille olisi tehnyt hyvää parempi editointi. Monet asiat toistettiin kirjassa yhä uudelleen ja uudelleen, minkä jälkeen ne vielä kerrattiin erillisessä luvussa. Tämä voi toki voi olla hyväkin, sillä monet ajatukset voivat haastaa mieltä sen verran, etteivät ne tartu ehkä heti ensimmäisellä maininnalla. Kiyosakin oman rahapelin jatkuva toisto oli myös hieman silmiinpistävää.
Kirja keskittyy Yhdysvaltoihin, joten se antoi samalla mielenkiintoista kuvaa maan talousjärjestelmästä. Kirjan pääpointit pätevät kuitenkin kaikkialla maasta riippumatta.
Tämä on todella mielenkiintoinen kirja kaikille, jotka haluavat jotain muuta kuin työelämän klassista oravanpyörää!
October 13, 2020
School is a great experience for some children. For others, school is the worst experience of their lives.
Every child has a genius. Unfortunately, their genius may not be recognized by the educational system. Their genius may even be crushed.
Thomas Edison, one of the great geniuses of modern times, was labeled "addled" by his first teacher. Addled means "mixed up or confused." He never finished school, and instead became an inventor and an entrepreneur. The company he founded, known today as General Electric, creates products that have changed the world. A few of Edison’s early projects were the phonograph, the motion picture camera, and the electric light bulb.
Albert Einstein also failed to impress his teachers. From elementary school through college, his teachers thought he was lazy, sloppy, and insubordinate. Most of his teachers said, "He will not amount to anything." Yet Einstein became one of the most influential scientists in history.
Genius is an acronym for "Geni-in-us"—the genie or magician in each of us.
All parents have met the genius in their child. Most parents know that a child’s true genius is found in their dreams. We see glimpses of it from an early age…the ideas and things that delight them, fascinate them, and challenge them.
Protecting and nurturing the genius in your child is a parent’s most important job.
This book is written as a guide to help you develop a child’s financial genius.
Every child has a genius. Unfortunately, their genius may not be recognized by the educational system. Their genius may even be crushed.
Thomas Edison, one of the great geniuses of modern times, was labeled "addled" by his first teacher. Addled means "mixed up or confused." He never finished school, and instead became an inventor and an entrepreneur. The company he founded, known today as General Electric, creates products that have changed the world. A few of Edison’s early projects were the phonograph, the motion picture camera, and the electric light bulb.
Albert Einstein also failed to impress his teachers. From elementary school through college, his teachers thought he was lazy, sloppy, and insubordinate. Most of his teachers said, "He will not amount to anything." Yet Einstein became one of the most influential scientists in history.
Genius is an acronym for "Geni-in-us"—the genie or magician in each of us.
All parents have met the genius in their child. Most parents know that a child’s true genius is found in their dreams. We see glimpses of it from an early age…the ideas and things that delight them, fascinate them, and challenge them.
Protecting and nurturing the genius in your child is a parent’s most important job.
This book is written as a guide to help you develop a child’s financial genius.
August 2, 2020
Must read for individuals and parents. Our schools didn't equip us with life and financial skills. Don't fret, this book is your bootcamp if you will. Learn how to deal with the unpleasant and nasty surprises life will throw at you. As it's quite often, the key is to accept you don't know certain things, but you can learn them as and when you want.
Read
August 1, 2021477 páginas que pudieron haber sido perfectamente desarrolladas en 200 o menos. Hubieron conceptos magníficos, pero tanta redundancia me hizo sentir que estuve leyendo el libro una y otra y otra vez. Eso no me gustó.
January 17, 2020
ITS INTRESTING FOR SOMEONE WHO WANTS TO BE A BUSNESS MAN NAT ME!
This entire review has been hidden because of spoilers.
October 26, 2022
الكتاب يستحق 3.5 / 5
و لعدم وجود انصاف نجوم 3 / 5
قرأت اغلب اعمال روبرت كايوزاكي
و مؤخرا قبل قراءة هذا الكتاب
قرات له
صدر لاول مرة 2017
4/5
و الذى هو احدث من كتابنا هذا
و الذى صدر لاول مرة 2013
3/5
ربما كتابنا ها هنا اخذ 3 و ليس 4 لانى قرات الاخير اولا
وربما كان يجدر بي قراتهم بالترتيب
فهو فى الاخير يكرر نفس رسالة الكتاب ها هنا بعد مرور عدة سنوات
قديما كانت العملة الذهب و الفضة ...لصعوبة حملها استبدلوها ب صك تترك العملات الذهبية لدى صراف امين
قصدا كل عملة صك ...لاحقا وجد الصراف انه بلا من ان يأخذ عمولة من التجار ف الافضل ان يدفع لهم هو لتشجيع ان يتركوا له ذهبهم
مقابل حفظه و يصدر لهم صكوك
و اصبح يصدر صكوك اكثر من الذهب الفعلى الذى لديه ضمانا انهم كلهم لن يطالبوا ب ذهبهم مرة واحدة
تحكمت الحكومة فى اصدار تلك الصكوك "العملات النقدية الورقية" و التى يتفرض انها مربوطة ب قيمة ذهبية
لاحقا اختفى الذهب فى الاقبية ....و اصبحت العملات الورقية فقط مجرد صك هو وعد و التزام من الحكومة
مع الزمن الحكومات ازدادت فى اصدار العملات الورقية بدون رابط او حاكم ....
هناك حكومة تقرر ضبط طباعة النقود ...
و هناك حكومة ببساطة تستسهل طباعة النقود ...
ومنح كل المواطنين ما يريدونه
لكن اولادهم و احفادهم غالبا لن يحصلوا على شىء من الحكومات التالية
ان تعثر على كنز او تكسب البانصيب او ترث ميراث او تتزوج من شريكة حياة ثرية
او ان يكون مرتبك الشهري ضخم
كل ذلك لن يضمن لك الثروة
ما يجيىء بسرعة يذهب بسرعة
مطالبتك الحكومة بانك تستحق ليست كافية و لن تضمن لك مستقبل آمن ماليا
اعتقادك ان تعليمك "المجاني" او النظامي عموما سيضمن لك حياة رغدة هو ايضا اعتقاد واهي
فما الحل ؟
الحل فى تعليم طفلك ماليا من سن صغيرة ...
المعرفة هى ان تفعل بحكمة و بخبرة
سؤالك شخص اخر هو ان تضع نفسك تحت رحمة معرفته
و التى ربما لا تكون خالصة لوجه الله...يسرقك ...ينصب عليك ....ينهبك ...يتربح من ورائك
ليس المهم جمع القرش على القرش
لان كل القروش كدا كدا قيمتها ستتضائل عمدا بفعل التضخم و الضرايب
و لاا حتى جمع ثروتك فى صورة كوينات ذهبية
لانه وقتها ستكتنزها و لن تستطيع ان تصرف منها
..الحل ؟هو صنع الة مال ...بنك مركزي خاص ...مطبعة نقود....
فمثلا ...شركة و تبيع اسهمها
او مشروع تربح من ورائه شهريا الى ان تقرر بيعه كله بسعر ضخم
او حتى مشروع يقدم منتج او خدمة و تظل محتفظ به و تنميه
و هذا لن يتأتى الا ب المعرفة المالية
فمثلا يعيب المؤلف على اصحاب الطبقة المتوسطة
سعيهم للارباح الاستثمارية
و ليس للدخل السلبي "التدفق النقدي"
كأن يشتري اسهم و يظل محتفظ بها ..دا دخل شبحي لن يتحقق فعليا الا عند بيعك للسهم و دا لن يحصل الا مرة واحدة يعنى مش هتكسب الا عند البيع مكسب ل مرة واحدة
لكن لو عندك شقة او محل و بتأجره ف انت تكسب شهريا
و يزداد الربح "الشبحي" ازدياد قيمة مفترض فى قيمةا لعقار
الى ان تبيعه فعليا فحينها تحقق ربح استثماري
المشكلة ....هى ان تعرف و لا تجرؤ على ان تفعل
لذلك فتجد المتوسط "مبادر الاعمال" يعرف اقل و لكنه يفعل اكثر و يجرؤ اكثر
بينما زميله الاشطر الممتاز "موظف جيد" يعرف اكثر و لكنه يفعل اقل يخاف ماليا و لا يجرؤ على المخاطرة فيرضى ب المرتب و حياة الامان
كتاب جميل عيبه الوحيد انى قرأته بعد نسخته المطورة
و ليس قبلها و الا كان تبدّل تقييم الكتابين
ملخص الكتاب:
الكتاب القادم :
March 31, 2020
It's also a pretty good as every book Kiyosaki wrote is. I understand more when I read new books written by him. I always misunderstand what he want to tell me because I've never read these kind of information and I've been closer to poor dad than rich dad. But I read most of books he wrote, so I'm sure that I'm going to have rich's mindset. Every his book told me similiar topics but it's never had same direction he suggested. It's pretty easy book to read but good contents are on it.
October 12, 2023
I enjoyed this book. His focus on the lack of financial education in schools today rings true. It's also true how much different life can be when one is equipped with that education. I also liked the "Tips for Parents" at the end of each chapter.
November 29, 2020
Although I very much agree with the book's message and there are large chunks of value to be taken out of this book overall, you just can't deny the fact that it's heavily inspired by its more famous predecessor - , perhaps too much, and the author does not even try to hide it by referencing RDPD on multiple occasions in the book. What also stood out, in a negative way, was the fact that the author tried to advertise his board game throughout the book multiple times, which was just OBNOXIOUS.
In summary, you want to read this book on just one case:
When you haven't read and you don't plan on reading it in the future.
Otherwise, it's a skip.
In summary, you want to read this book on just one case:
When you haven't read and you don't plan on reading it in the future.
Otherwise, it's a skip.
August 23, 2015
Very inspirational. While I do not agree with everything in this book, it makes some good points and has great ideas. The book makes a point which many people, myself included, can relate to - that you do not have to be an A student at school to succeed later in life. Many of the greatest entrepeneurs were college dropouts or C students. The author constantly argues for financial education to be taught in schools, and considers the lack of financial education as one of the education system's key problems. Schools tend to punish wrong answers, and don't consider mistakes a good thing, however the author argues that mistakes are important learning opportunities. Seeing things on both sides of the coin, and from both sides of the argument increases your intelligence. So in spite of disagreeing with some of the other things the author says in this book - such as criticisms of the welfare state - all in all I found it a very inspiring read.
August 12, 2014
The first of Kiyosaki's("Mr. Rich Dad, Poor Dad") books I've read & definitely will not be the last -- he has a comfortable writing style and gives a lot of good information while doing so.
This particular volume explains why the excelling at academics students invariably wind up as employees of those who might not do well in traditional school, but have a foundation of financial education.
I knew this book was primarily published as a come-on for his programs &/or other books, but it was such a good & informative read I didn't care -- I gleaned much useful info from it and am already better jazzed and prepared to start my own businesses that have been in the works for some time.
Need motivation & encouragement to duck out of the Rat Race? Read this book. Now I'm going to find his others & read those, too.
This particular volume explains why the excelling at academics students invariably wind up as employees of those who might not do well in traditional school, but have a foundation of financial education.
I knew this book was primarily published as a come-on for his programs &/or other books, but it was such a good & informative read I didn't care -- I gleaned much useful info from it and am already better jazzed and prepared to start my own businesses that have been in the works for some time.
Need motivation & encouragement to duck out of the Rat Race? Read this book. Now I'm going to find his others & read those, too.
September 20, 2024
This is the fourth Robert T Kiyosaki book that I have read. Basically, I was never interested in reading this book. But when i read an article on the quora a couple months ago, I read an interesting topic. It's the discussion of why people who fail in education (C grades during college) are usually more successful than people who succeed in education (A grades during college). As I tried to track down the source of this theory, I eventually found this Robert's book.
Generally speaking, this book is not too bad to read. Although for me there are actually only a few new things that Robert tries to convey in this new book. Most of the essence of this book is the same as the essence of his previous books. There are quite a few explanations in this book that repeat the theories he explained in his previous books, such as the teachings of Rich Dad and Poor Dad, the 4 Quadrants, his different concept of assets and liabilities, etc.
What differentiates this book is probably his view and criticism of the current education system in schools and how the American state is increasingly losing its identity as a capitalist state. For these part, I agree with his opinion. There are indeed many things wrong with the current education system. The current education system is too focused on producing an employee who will later work in a company. Not to be an entrepreneur. I also agree with Robert's opinion that the mentality of Americans today is dominated by people who demand their rights rather than creating something productive. As a result, fewer entrepreneurs are emerging and more people are dependent and demanding on the state.
But honestly, i don't agree with his oversimplified opinion where he assumes that people with A's will usually only be employees of people with C's. From his writing he creates a narrative as if people with worse grades (or even Drop Out) are more successful than people with good grades. When in fact, there are also many people with A's in college who are successful entrepreneurs, and there are also many people with C's who are unemployed and poor. Clearly, he has no data to support his opinion, as evidenced by his sentence in Chapter 1 which reads:
“I often ask myself how many of these kids finished high school... and how many dropped out? How many went on to college or university...and how many actually graduated?�
This means that he has no basis whatsoever for his opinion. He just took examples from some of the people he worked with who happened to be good grades scholars (A Students). He also took examples of successful people who happened to have bad grades or even dropped out (cherry picking) to strengthen his theory.
In Chapter 5, he show some data sourced from other book to support his theory. He mentions 4 sources as the basis for why he says students with good grades tend to become employees, while those with bad grades tend to become bosses, namely:
1. In the book Lives of Promise: What Becomes of High School Valedictorians, Professor Arnold states that people who do well academically in high school usually do well in college. The average GPA is 3.6, and many go into accounting, medicine, law, engineering, and education.
2. 95% of Harvard graduates in 1940 studied that people with the highest scores did not guarantee better salaries, careers than those with lower scores. Neither does a better level of happiness, family relationships and romance.
3. In the book The Millionaire Mind, Thomas J. Stanley gives detailed statistics study on what variables people who are successful in business and become super-rich. It turns out that grades in school, class standing, SATs, have nothing to do with success.
4. As many as 33% of the Forbes list of richest people did not go to college and even dropped out. On average, those dropouts have far more wealth than their college friends.
Points 1-3 never actually conclude that people with poor academics have a higher success rate than those with good academics. The conclusion from these 3 points is that academic success does not guarantee future success. But that doesn't mean that people with poor academics have a greater chance of success.
As for point number 4, Robert mentioned that those who drop out have higher wealth than their college friends who have better grades. When I tried to verify this research, I couldn't find it. There has never been a study that made statistics of all students who got C's compared to students who got A's. There are only researches that study the level of education of top 100 richest people in the world. The Forbes article states that 84% of the 400 richest people in America have a bachelor's degree or higher, and most of them graduated from super elite universities. So I'm quite confused as to why Robert would say that the average dropout has more wealth than their college friends. Where Robert's conclusion comes from.
For me personally, whether you are an A or C student, your position will be the same if you do not learn and hone the skills of successful people (skills that are mostly not taught on campus). So it is very stupid, if we as students who graduate with mediocre grades continue to feel that we are superior to those with A grades just because of this book. It's stupid. What I know is that there are a lot of people on social media nowdays who use the theory presented in this book to be lazy and don't need to be diligent in their studies. Because they feel that C students are superior to A students. This is so wrong.
Facts: “C� students are forced into entrepreneurship because they have no choice, they can't apply to be employees. If you sample data from millions of “A� and “C� students, there is no data that says “C� is more successful.
Generally speaking, this book is not too bad to read. Although for me there are actually only a few new things that Robert tries to convey in this new book. Most of the essence of this book is the same as the essence of his previous books. There are quite a few explanations in this book that repeat the theories he explained in his previous books, such as the teachings of Rich Dad and Poor Dad, the 4 Quadrants, his different concept of assets and liabilities, etc.
What differentiates this book is probably his view and criticism of the current education system in schools and how the American state is increasingly losing its identity as a capitalist state. For these part, I agree with his opinion. There are indeed many things wrong with the current education system. The current education system is too focused on producing an employee who will later work in a company. Not to be an entrepreneur. I also agree with Robert's opinion that the mentality of Americans today is dominated by people who demand their rights rather than creating something productive. As a result, fewer entrepreneurs are emerging and more people are dependent and demanding on the state.
But honestly, i don't agree with his oversimplified opinion where he assumes that people with A's will usually only be employees of people with C's. From his writing he creates a narrative as if people with worse grades (or even Drop Out) are more successful than people with good grades. When in fact, there are also many people with A's in college who are successful entrepreneurs, and there are also many people with C's who are unemployed and poor. Clearly, he has no data to support his opinion, as evidenced by his sentence in Chapter 1 which reads:
“I often ask myself how many of these kids finished high school... and how many dropped out? How many went on to college or university...and how many actually graduated?�
This means that he has no basis whatsoever for his opinion. He just took examples from some of the people he worked with who happened to be good grades scholars (A Students). He also took examples of successful people who happened to have bad grades or even dropped out (cherry picking) to strengthen his theory.
In Chapter 5, he show some data sourced from other book to support his theory. He mentions 4 sources as the basis for why he says students with good grades tend to become employees, while those with bad grades tend to become bosses, namely:
1. In the book Lives of Promise: What Becomes of High School Valedictorians, Professor Arnold states that people who do well academically in high school usually do well in college. The average GPA is 3.6, and many go into accounting, medicine, law, engineering, and education.
2. 95% of Harvard graduates in 1940 studied that people with the highest scores did not guarantee better salaries, careers than those with lower scores. Neither does a better level of happiness, family relationships and romance.
3. In the book The Millionaire Mind, Thomas J. Stanley gives detailed statistics study on what variables people who are successful in business and become super-rich. It turns out that grades in school, class standing, SATs, have nothing to do with success.
4. As many as 33% of the Forbes list of richest people did not go to college and even dropped out. On average, those dropouts have far more wealth than their college friends.
Points 1-3 never actually conclude that people with poor academics have a higher success rate than those with good academics. The conclusion from these 3 points is that academic success does not guarantee future success. But that doesn't mean that people with poor academics have a greater chance of success.
As for point number 4, Robert mentioned that those who drop out have higher wealth than their college friends who have better grades. When I tried to verify this research, I couldn't find it. There has never been a study that made statistics of all students who got C's compared to students who got A's. There are only researches that study the level of education of top 100 richest people in the world. The Forbes article states that 84% of the 400 richest people in America have a bachelor's degree or higher, and most of them graduated from super elite universities. So I'm quite confused as to why Robert would say that the average dropout has more wealth than their college friends. Where Robert's conclusion comes from.
For me personally, whether you are an A or C student, your position will be the same if you do not learn and hone the skills of successful people (skills that are mostly not taught on campus). So it is very stupid, if we as students who graduate with mediocre grades continue to feel that we are superior to those with A grades just because of this book. It's stupid. What I know is that there are a lot of people on social media nowdays who use the theory presented in this book to be lazy and don't need to be diligent in their studies. Because they feel that C students are superior to A students. This is so wrong.
Facts: “C� students are forced into entrepreneurship because they have no choice, they can't apply to be employees. If you sample data from millions of “A� and “C� students, there is no data that says “C� is more successful.
October 9, 2014
I could not give it more than two stars, for two reasons: First, it seems that Kiyosaki is paraphrsing his own original tenet, which I have already read in his "Rich Dad Poor Dad", but with sighltly different manner and style. Second, it is fraught with grammatical errors, and thus requiring more profreading and editing.
I should, nevertheless, emphasize that Robert Kiyosaki is a wonderful and prolific writer, but it might be the right time for him to pause and delibarate before embarking on such an educational and financial task that would egender trivial drawbacks.
I should, nevertheless, emphasize that Robert Kiyosaki is a wonderful and prolific writer, but it might be the right time for him to pause and delibarate before embarking on such an educational and financial task that would egender trivial drawbacks.
January 27, 2019
I honestly want t thow this book against a wall! What a bunch of codswallop!
The title should be: the story of my school failure and how I prefer a rich dude over my own father plus a myriad of false history "facts" about successful people that were bad at school. OH! and I am friends with Donald Trump! What a pleasant dude he is! I am surprised I made it to chapter 12. Okay yes we need to teach our kids about finances that's probably the only worthwhile idea.
The title should be: the story of my school failure and how I prefer a rich dude over my own father plus a myriad of false history "facts" about successful people that were bad at school. OH! and I am friends with Donald Trump! What a pleasant dude he is! I am surprised I made it to chapter 12. Okay yes we need to teach our kids about finances that's probably the only worthwhile idea.
October 18, 2014
This book gave me a good financial education. I think this is a must-read especially for parents to educate their children about money. I think not everyone agrees that children should be taught about money from an early age, but Robert Kiyosaki says giving children a good grasp of finance is actually a very useful lesson to carry them through life.
February 25, 2017
In short, the Author again n again tediously repeats that the traditional education is not preparing us for the real world n we need to look for financial education- but this book won't provide you that.
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