富爸爸穷爸爸-第16部分

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In　another　example；　I　hold　a　small　portion　of　my　assets　in　tax　lien　certificates　instead　of　CDs。　I　earn　16　percent　per　year　on　my　money；　which　certainly　beats　the　5　percent　the　bank　offers。　The　certificates　are　secured　by　real　estate　and　enforced　by　state　law；　which　is　also　better　than　most　banks。　The　formula　they're　bought　on　makes　them　safe。　They　just　lack　liquidity。　So　I　look　at　them　as　2　to　7year　CDs。　Almost　every　time　I　tell　someone；　especially　if　they　have　money　in　CDs；　that　I　hold　my　money　this　way；　they　will　tell　me　it's　risky。　They　tell　me　why　I　should　not　do　it。　When　I　ask　them　where　they　get　their　information；　they　say　from　a　friend　or　an　investment　magazine。　They've　never　done　it；　and　they're　telling　someone　who's　doing　it　why　they　shouldn't。　The　lowest　I　yield　I　look　for　is　16　percent；　but　people　who　are　filled　with　doubt　are　willing　to　accept　5　percent。　Doubt　is　expensive。
My　point　is　that　it's　those　doubts　and　cynicism　that　keep　most　people？　poor　and　playing　it　safe。　The　real　world　is　simply　waiting　for　you　to　get　rich。　　Only　a　person's　doubts　keep　them　poor。　As　I　said；　getting　out　of　the　rat　race　is　technically　easy。　It　doesn't　take　much　education；　but　those　doubts　are　cripplers　for　most　people。
〃Cynics　never　win；〃　said　rich　dad。　〃Unchecked　doubt　and　fear　creates　i　a　cynic。　Cynics　criticize；　and　winners　analyze〃　was　another　of　his　favorite　sayings。　Rich　dad　explained　that　criticism　blinded　while　analysis　opened　《　eyes。　Analysis　allowed　winners　to　see　that　critics　were　blind；　and　to　see　opportunities　that　everyone　else　missed。　And　finding　what　people　miss　is　｜　key　to　any　success。
Real　estate　is　a　powerful　investment　tool　for　anyone　seeking　financial　independence　or　freedom。　It　is　a　unique　investment　tool。　Yet；　every　time　I　mention　real　estate　as　a　vehicle；　I　often　hear；　〃I　don't　want　to　fix　toilets。〃　That's　what　Peter　Lynch　calls　〃noise。〃　That's　what　my　rich　dad　would　say　is　the　cynic　talking。　Someone　who　criticizes　and　does　not
analyze。　Someone　who　lets　their　doubts　and　fears　close　their　mind　instead　of　open　their　eyes。〃
So　when　someone　says；　〃I　don't　want　to　fix　toilets；〃　I　want　to　fire　back；　〃What　makes　you　think　I　want　to？〃　They're　saying　a　toilet　is　more　important　than　what　they　want。　I　talk　about　freedom　from　the　rat　race；　and　they　focus　on　toilets。　That　is　the　thought　pattern　that　keeps　most　people　poor。　They　criticize　instead　of　analyze。
　〃　'I　don't　wants'　hold　the　key　to　your　success；〃　rich　dad　would　say。
Because　I；　too；　do　not　want　to　fix　toilets；　I　shop　hard　for　a　property　manager　who　does　fix　toilets。　And　by　finding　a　great　property　manager　who　runs　houses　or　apartments；　well；　my　cash　flow　goes　up。　But　more　importantly　a　great　property　manager　allows　me　to　buy　a　lot　more　real　estate　since　I　don't　have　to　fix　toilets。　A　great　property　manager　is　key　to　success　in　real　estate。　Finding　a　good　manager　is　more　important　to　me　than　the　real　estate。　A　great　property　manager　often　hears　of　great　deals　before　real　estate　agents　do；　which　makes　them　even　more　valuable。
That　is　what　rich　dad　meant　by　〃　'I　don't　wants'　hold　the　key　to　your　success。〃　Because　I　do　not　want　to　fix　toilets　either；　I　figured　out　how　to　buy　more　real　estate　and　expedite　my　getting　out　of　the　rat　race。　The　people　who　continue　to　say　〃I　don't　want　to　fix　toilets〃　often　deny　themselves　the　use　of　this　powerful　investment　vehicle。　Toilets　are　more　important　than　their　freedom。
In　the　stock　market；　I　often　hear　people　say；　〃I　don't　want　to　lose　money。〃　Well；　what　makes　them　think　I　or　anyone　else　likes　losing　money？　They　don't　make　money　because　they　chose　to　not　lose　money。　Instead　of　analyzing；　they　close　their　minds　to　another　powerful　investment　vehicle；　the　stock　market。
In　December　1996；1　was　riding　with　a　friend　past　our　neighborhood　gas　station。　He　looked　up　and　saw　that　the　price　of　oil　was　going　up。　My　friend　is　a　worry　wart　or　a　〃Chicken　Little。〃　To　him；　the　sky　is　always　going　to　fall；　and　it　usually　does；　on　him。
When　we　got　home；　he　showed　me　all　the　stats　as　to　why　the　price　of　oil　was　going　to　go　up　over　the　next　few　years。　Statistics　I　had　never　seen　before；　even　though　I　already　owned　a　substantial　share　block　of　an　existing　oil　pany。　With　that　information；　I　immediately　began　looking　for　and　found　a　new　undervalued　oil　pany　that　was　about　to　find　some　oil　deposits。　My　broker　was　excited　about　this　new　pany；　and　I　bought　15；000　shares　for　65　cents　per　share。
In　February　1997；　this　same　friend　and　I　drove　by　the　same　gas　station；　and　sure　enough；　the　price　per　gallon　had　gone　up　nearly　15　percent。　Again；　the　〃Chicken　Little〃　worried　and　plained。　　I　smiled　because　in　January　1997；　that　little　oil　pany　hit　oil　and　those　15；000　shares　went　up　to　more　than　3　per　share　since　he　had　first　given　me　the　tip。　And　the　price　of　gas　will　continue　to　go　up　if　what　my　friend　says　is　true。
Instead　of　analyzing；　their　little　chicken　closes　their　mind。　If　most　people　understood　how　a　〃stop〃　worked　in　stockmarket　investing；　there　would　be　more　people　investing　to　win　instead　of　investing　not　to　lose。　A　〃stop〃　is　simply　a　puter　mand　that　sells　your　stock　automatically　if　the　price　begins　to　drop；　helping　to　minimize　your　losses　and　maximize　some　gains。　It's　a　great　tool　for　those　who　are　terrified　of　losing。
So　whenever　I　hear　people　focusing　on　their　〃I　don't　wants；〃　rather　than　what　they　do　want；　I　know　the　〃noise〃　in　their　head　must　be　loud。　Chicken　Little　has　taken　over　their　brain　and　is　yelling；　〃The　sky　is　falling　and　toilets　are　breaking。〃　So　they　avoid　their　〃don't　wants；〃　but　they　pay　a　huge　price。　They　may　never　get　what　they　want　in　life。
Rich　dad　gave　me　a　way　of　looking　at　Chicken　Little。　　〃Just　do　what　Colonel　Sanders　did。〃　At　the　age　of　66；　he　lost　his　business　and　began　to　live　on　his　Social　Security　check。　It　wasn't　enough。　He　went　around；　the　country　selling　his　recipe　for　fried　chicken。　He　was　turned　down　1；009　times　before　someone　said　〃yes。〃　And　he　went　on　to　bee　a
multimillionaire　at　an　age　when　most　people　are　quitting。　　〃He　was　a　brave　and　tenacious　man；〃　rich　dad　said　of　Harlan　Sanders。
So　when　you're　in　doubt　and　feeling　a　little　afraid；　just　do　what　Col。　Sanders　did　to　his　little　chicken。　He　fried　it。
Reason　No。　3。　Laziness。　Busy　people　are　often　the　most　lazy。　We　have　all　heard　stories　of　a　businessman　who　works　hard　to　earn　money。　He　works　hard　to　be　a　good　provider　for　his　wife　and　children。　He　spends　long　hours　at　the　office　and　brings　work　home　on　weekends。　One　day　he　es　home　to　an　empty　house。　His　wife　has　left　with　the　kids。　He　knew　he　and　his　wife　had　problems；　but　rather　than　work　to　make　the　relationship　strong；　he　stayed　busy　at　work。　Dismayed；　his　　performance　at　work　slips　and　he　loses　his　job。
Today；　I　often　meet　people　who　are　too　busy　to　take　care　of　their　wealth。　And　there　are　people　too　busy　to　take　care　of　their　health。　The　cause　is　the　same。　They're　busy；　and　they　stay　busy　as　a　way　of　avoiding　something　they　do　not　want　to　face。　Nobody　has　to　tell　them。　　Deep　down　they　know。　In　fact；　if　you　remind　them；　they　often　respond　with　anger　or　irritation。
If　they　aren't　busy　at　work　or　with　the　kids；　they're　often　busy　watching　TV；　fishing；　playing　golf　or　shopping。　Yet；　deep　down　they　know　they　are　avoiding　something　important。　　That's　the　most　mon　form　of　laziness。　Laziness　by　staying　busy。
So　what　is　the　cure　for　laziness？　The　answer　is　a　little　greed。
For　many　of　us；　we　were　raised　thinking　of　greed　or　desire　as　bad。　〃Greedy　people　are　bad　people；〃　my　mom　use　to　say。　Yet；　we　all　have　inside　of　us　this　yearning　to　have　nice　things；　new　things　or　exciting　things。　So　to　keep　that　emotion　of　desire　under　control；　often　parents　found　ways　of　suppressing　that　desire　with　guilt。
〃You　only　think　about　yourself。　Don't　you　know　you　have　brothers　and　sisters？〃　was　one　of　my　mom's　favorites。　Or　〃You　want　me　to　buy　you　what？〃　was　a　favorite　of　my　dad。　　〃Do　you　think　we're　made　of　money？　　　Do　you　think　money　grows　on　trees？　We're　not　rich　people；　you　know。〃
It　wasn't　so　much　the　words　but　the　angry　guilttrip　that　went　with　the　words　that　got　to　me。
Or　the　reverse　guilttrip　was　the　〃I'm　sacrificing　my　life　to　buy　this　for　you。　I'm　buying　this　for　you　because　I　never　had　this　advantage　when　I　was　a　kid。〃　I　have　a　neighbor　who　is　stone　broke；　but　can't　park　his　car　in　his　garage。　The　garage　is　filled　with　toys　for　his　kids。　Those　spoiled　brats　get　everything　they　ask　for。　　〃I　don't　want　them　to　know　the　feeling　of　want〃　are　his　everyday　words。　He　has　nothing　set　aside　for　their　college　or　his　retirement；　but　his　kids　have　every　toy　ever　made。　He　recently　got　a　new　credit　card　in　the　mail　and　took　his　kids　to　visit　Las　Vegas。　　〃I'm　doing　it　for　the　kids；〃　he　said　with　great　sacrifice。
Rich　dad　forbade　the　words　〃I　can't　afford　it。〃
In　my　real　home；　that's　all　I　heard。　Instead；　rich　dad　required　his　children　to　say；　〃How　can　I　afford　it？〃　His　reasoning；　the　words　〃I　can't　afford　it〃　shut　down　your　brain。　It　didn't　have　to　think　anymore。　〃How　can　I　afford　it'〃　opened　up　the　brain。　Forced　it　to　think　and　search　for　answers。
But　most　importantly；　he　felt　the　words　〃I　can't　afford　it〃　were　a　lie。　And　the　human　spirit　knew　it。　　〃The　human　spirit　is　very；　very；　powerful；〃　he　would　say。　　〃It　knows　it　can　do　anything。〃　By　having　a　lazy　mind　that　says；　〃I　can't　afford　it；〃　a　war　breaks　out　inside　you。　Your　spirit　is　angry；　and　your　lazy　mind　must　defend　its　lie。　The　spirit　is　screaming；　〃e　on。　Let's　go　to　the　gym　and　work　out。〃　And　the　lazy　mind　says；　〃But　I'm　tired。　I　worked　really　hard　today。〃　Or　the　human　spirit　says；　〃I'm　sick　and　tired　of　being　poor。　　Let's　get　out　there　and　get　rich。〃　To　which　the　lazy　mind　says；　〃Rich　people　are　greedy。　　Besides　it's　too　much　bother。
　It's　not　safe。　I　might　lose　money。　　I'm　working　hard　enough　as　it　is。　I've　got　too　much　to　do　at　work　anyway。　Look　at　what　I　have　to　do　tonight。　My　boss　wants　it　finished　by　the　morning。〃
〃I　can't　afford　it〃　also　brings　up　sadness。　A　helplessness　that　leads　to　'　despondency　and　often　depression。　〃Apathy〃　is　another　word。　〃How　can　I　afford　it？〃　opens　up　possibilities；　excitement　and　dreams。　So　rich　dad　；　was　not　so　concerned　about　what　you　wanted　to　buy；　but　that　〃How　can　'f　j　I　afford　it？〃　created　a　stronger　mind　and　a　dynamic　spirit。
Thus；　he　rarely　gave　Mike　or　me　anything。　Instead　he　would　ask；　〃How　can　you　afford　it？〃　and　that　included　college；　which　we　paid　for　ourselves。　It　was　not　the　goal　but　the　process　of　attaining　the　goal　we　desired　that　he　wanted　us　to　learn。　The　problem　I　sense　today　is　that　there　are　millions　of　people　who　feel　guilty　about　their　greed。　It's　an　old　conditioning　from　their　childhood。　Their　desire　to　have　the　finer　things　that　life　offers。　Most　have　been　conditioned　subconsciously　to　say；　〃You　can't　have　that；〃　or　　　；
〃You'll　never　afford　that。〃
When　I　decided　to　exit　the　rat　race；　it　was　simply　a　question。　　〃How　can　I　afford　to　never　work　again？〃　And　my　mind　began　to　kick　out　answers　and　solutions。　The　hardest　part　was　fighting　my　real　parents'　dogma　of　〃We　can't　afford　that。〃　Or　〃Stop　thinking　only　about　yourself。〃　Or　〃Why　don't　you　think　about　others？〃　and　other　such　words　designed　to　instill　guilt　to　suppress　my　greed。
So　how　do　you　beat　laziness？　The　answer　is　a　little　greed。　　It's　that　radio　station　WIIFM；　which　stands　for　〃What's　In　ItFor　Me？〃　A　person　needs　to　sit　down　and　ask；　〃What's　in　it　for　me　if　I'm　healthy；　sexy　and　good　looking？〃　　Or　〃What　would　my　life　be　like　if　I　never　had　to　work　again？〃　Or　〃What　would　I　do　if　I　had　all　the　money　I　needed？〃　Without　that　little　greed；　the　desire　to　have　something　better；　progress　is　not　made。　Our　world　progresses　because　we　all　desire　a　better　life。　　New　inventions　are　made　because　we　desire　something　better。　We　go　to　school　and　study　hard　because　we　want　something　better。　　So　whenever　you　find　yourself　avoiding　something　you　know　you　should　be　doing；　then　the　only　thing　to　ask　yourself　is　〃What's　in　it　for　me？〃　Be　a　little　greedy。　It's　the　best　cure　for　laziness。
Too　much　greed；　however；　as　anything　in　excess　can　be；　is　not　good。　But　just　remember　what　Michael　Douglas　said　in　the　movie　Wall　Street。　〃Greed　is　good。〃　Rich　dad　said　it　differently：　〃Guilt　is　worse　than　greed。
For　guilt　robs　the　body　of　its　soul。〃　And　to　me；　Eleanor　Roosevelt　said　it　best：　〃Do　what　you　feel　in　your　heart　to　be　rightfor　you'll　be　criticized　anyway。　You'll　be　damned　if　you　do；　and　damned　if　you　don't。〃
Reason　No。　4。　Habits。　Our　lives　are　a　reflection　of　our　habits　more　than　our　education。　After　seeing　the　movie　Conan；　starring　Arnold　Schwarzenegger；　a　friend　said；　〃I'd　love　to　have　a　body　like　Schwarzenegger。〃　Most　of　the　guys　nodded　in　agreement。
〃I　even　heard　he　was　really　puny　and　skinny　at　one　time；〃　another　friend　added。
〃Yeah；　I　heard　that　too；〃　another　one　added。　　〃I　heard　he　has　a　habit　of　working　out　almost　every　day　in　the　gym。〃
〃Yeah；　I'll　bet　he　has　to。〃
〃Nah；〃　said　the　group　cynic。　　〃I'll　bet　he　was　born　that　way。　Besides；　let's　stop　talking　about　Arnold　and　get　some　beers。〃
This　is　an　example　of　habits　controlling　behavior。　I　remember　asking　my　rich　dad　about　the　habits　of　the　rich。　Instead　of　answering　me　outright；　he　wanted　me　to　learn　through　example；　as　usual。
〃When　does　your　dad　pay　his　bills？〃　rich　dad　asked。
〃The　first　of　the　month；〃　I　said。
〃Does　he　have　anything　left　over？〃　he　asked。
〃Very　little；〃　I　said。
〃That's　the　main　reason　he　struggles；〃　said　rich　dad。　　〃He　has　bad　habits。〃
〃Your　dad　pays　everyone　else　first。　He　pays　himself　last；　but　only　if　he　has　anything　left　over。〃
〃Which　he　usually　doesn't；〃　I　said。　〃But　he　has　to　pay　his　bills；　doesn't　he？　You're　saying　he　shouldn't　pay　his　bills？〃
〃Of　course　not；〃　said　rich　dad。　　〃I　firmly　believe　in　paying　my　bills　on　time。　I　just　pay　myself　first。　　Before　I　pay　even　the　government。〃
〃But　what　happens　if　you　don't　have　enough　money？〃　I　asked。　〃What　do　you　do　then？〃
〃The　same；〃　said　rich　dad。　　〃I　still　pay　myself　first。　Even　if　I'm　short　of　money。　My　asset　column　is　far　more　important　to　me　than　the　government。〃
〃But；〃　I　said。　　〃Don't　they　e　after　you？〃
〃Yes；　if　you　don't　pay；〃　said　rich　dad。　　〃Look；　I　did　not　say　not　to　pay。　I　just　said　I　pay　myself　first；　even　if　I'm　short　of　money。〃
〃But；〃　I　replied。　　〃How　do　you　do　that'〃
〃It's　not　how。　The　question　is　'Why；'〃　rich　dad　said。
〃OK；　why？〃
〃Motivation；〃　said　rich　dad　〃Who　do　you　think　will　plain　louder　if　I　don't　pay　themme　or　my　creditors？〃
〃Your　creditors　will　definitely　scream　louder　than　you；〃　I　said；　responding　to　the　obvious。　〃You　wouldn't　say　anything　if　you　didn't　pay　yourself。〃
〃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　ine。　The　pressure　to　pay　bees　my　motivation。　I've　worked　extra　jobs；　started　other　panies；　traded　in　the　stock　market；　anything　just　to　make　sure　those　guys　don't　start　yelling　at　me。　That　pressure　made　me　work　harder；　forced　me　to　think；　and　all　in　all　made　me　smarter　and　more　active　when　it　es　to　money。　If　I　had　paid　myself　last；　I　would　have　felt　no　pressure；　but　I'd　be　broke。〃
〃So　it　is　the　fear　of　the　government　or　other　people　you　owe　money　I　to　that　motivates　you？〃
〃That's　right；〃　said　rich　dad。　〃You　see；　government　bill　collectors　are　big　bullies。　So　are　bill　collectors　in　general。　Most　people　give　into　these　bullies。　Th