这是一本投资入门书籍，作者是日裔美国人Robert T. Kiyosaki，投资的观点在这里变成了小故事，深入浅出，非常易懂。笑来老师提到的被动收入在这本书有了更详细的解释，这本书还深刻探讨了恐惧变化、害怕投资失败、无财商的害处，并提出了相应解决方案。伟大的人成功的法门都是差不多的，后来在我看到《洛克菲勒给儿子的38封信》中，看到了太多相似的见解。
1. The rich thinks quite differently:
1) The lack of money is the root of all evil
2) Study hard so you can find a good company to buy.
3) Learn to manage risk
4) My house is a liability, and if your house is your largest investment, you’re in trouble.
5) Financial self-reliance, Financial struggle is often the result of people working all their lives for someone else.Keep expenses low, reduce liabilities, and diligently build a base of solid assets.
6) Created investments,the purpose of the cashflow game: to teach players to think and create new and various financial options. Limiting your options is the same as hanging on to old ideas. Financial intelligence is simply having more options.The single most powerful asset we all have is our mind.
7) Poor is eternal, money is power, making money working for you.Time is one of your greatest assets.
2. Rich don't work for money
1)Change, Most people want everyone else in the world to change but themselves. It’s easier to change yourself than everyone else.
2)The poor and the middle class work for money. The rich have money work for them.另外可以用别人的钱为自己赚钱，比如借银行的钱，晓波老师强调要敢于负债，利用财务杠杆才会赚更多的钱。洛克菲勒也说“在我所认识或者是所熟知的富翁中，仅凭自己点滴积累的钱财创造巨额财富的人是少之又少呀！而大多数则是依靠借贷的方式发达起来的。这就好比说是百元的买卖总是会比一元的买卖赚得多一样，没有多么深刻的道理，其实就是这么简单。但是那些胆小的人们却总是不敢去相信这一道理。”
3)Most people want to play it safe and feel secure. So passion does not direct them. Fear does. Most people become a slave to money.Money is one form of power. But what is more powerful is financial education. Money comes and goes, but if you have the education about how money works, you gain power over it and can begin building wealth.
4)How to do: to avoid the trap caused by those two emotions, fear and desire. Use them in your favor, not against you.
5)Keep using your brain, work for free, and soon your mind will show you ways of making money far beyond you wish. (Use our imaginations to identify an opportunity to make money, eg comic store)
《洛克菲勒给儿子的38封信》中也有相同的观点：我一直视“努力工作定会致富”为谎言，从不把为别人工作当作积累可观财富和上策，相反，我非常笃信为自己工作才能富有。我采取的一切行动都忠于我的伟大梦想和为实现这一梦想而不断达成的各个目标。
3. How to face change?
1) I find so many people struggling today,often working harder, simply because they cling to old ideas. They want things to be the way they were,and they resist change. I recognized that it was excessive fear and self-doubt that were the greatest detractors of personal genius.your financial genius requires both technical knowledge as well as courage.I’d rather welcome change than cling to the past.
洛克菲勒说“没有将自己的思想付诸实际行动的人们，都有一个通病——安于现状，拒绝改变。很多人因为内心里对未知世界感到恐惧，所以他们拒绝改变，即使是现实生活令他们感到不满，他们也不愿意战胜自己内心里的恐惧感而去改变身边的一切。”只有在不变的环境中，他们的思维才是安全的。
2) To avoid the trap caused by those two emotions, fear and desire. Use them in your favor, not against you. I do it because it is the most exciting time to be alive. I’d rather be welcoming change. So why bother developing your financial IQ? Because if you do, you will prosper greatly
3) The briar patch is our fear and greed. Confronting fear, weaknesses, and neediness by choosing our own thoughts is the way out. Most people are too afraid to rationally think things through and instead run out the door to a job they hate.
4. What does fortune freedom mean?
1) For us, it means that, barring unforeseen cataclysmic changes, we can work or not work, and our wealth grows automatically, staying ahead of inflation. Our assets are large enough to grow by themselves. 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?
2) If people are prepared to be flexible,keep an open mind and learn, they will grow richer and richer despite tough changes. Intelligence solves problems and produces money. Money without financial intelligence is money soon gone.
3) I caution them that in the long run,it’s not how much money you make. It’s how much you keep, and how many generations you keep it.
4) If you want to be rich, simply spend your life buying assets. Rich people acquire assets. The poor and middle class acquire liabilities that they think are assets. “Assets put money in your pocket, a liability is something that takes money out of my pocket”
5) The fear of being different prevents most people from seeking new ways to solve their problem.
5. How to find opportunity?
1) Great opportunities are not seen with your eyes. They are seen with your mind. Most people never get wealthy simply because they are not trained financially to recognize opportunities right in front of them.
2) Develop three main skills: Find an opportunity that everyone else missed, Raise money (you need to learn how to do that which stops most people）,Organize smart people.
3)There is a lot to learn, but the rewards can be astronomical,There is always risk, so learn to manage risk instead of avoiding it.
6.About greedy.
1) So what is the cure for laziness? The answer is—a little greed. “I can’t afford it” shut down your brain. “How can I afford it?” opens up possibilities, excitement, and dreams. Now the “wants.” I want to be free to travel the world and live in the lifestyle I love, without a strong reason or purpose, anything in life is hard.
2) Make daily choices: the power of choice,I chose to be rich, and I knew that all I had to do was learn to acquire assets, real assets. Most people choose not to be rich. For 90 percent of the population, being rich is too much of a hassle. So they invent sayings that go: “I’m not interested in money.” “I’ll never be rich.” “I don’t have to worry.I’m still young.”
3) Think more and not afraid of bargain,Look for people who want to buy first. Then look for someone who wants to sell. Small people remain small because they think small, act alone, or don’t act all.
7. The key to financial freedom
All a real investor does is convert earned income into passive and portfolio income. If you know what you’re doing, investing is not risky. It’s just common sense.
Take action ! 洛克菲勒也强调行动的重要性：在你没有采取任何行动的情况下，人世间再美丽、再实用、再可行的哲理对你也没有任何意义。要想在你的一生中取得理想的成果，拥有卓尔不凡的才智以及过人的学识那是再好不过的了，但是没有这些也无可厚非，只要你肯采取行动、努力工作，你就会离成功的巅峰越来越近了。
