从2.21到3.13，历时22天，把英文版的《富爸爸穷爸爸》听完了。对这本书的学习是一举三得的事情，一可以看书，二可以学理财，三可以学英语，真的是很棒。虽然真的是比较慢，经常一分钟不到的篇幅，听写就要好久。但这样也让自己对其中的一些话语读得更加仔细，不比第一次读中文版时的收获少。

纵观全书来看，我想贯穿始终的一个核心观点就是“富人不为钱工作，而是让钱为他工作，成为钱的主人。”同时也提到了关于富爸爸教给作者的六节课、以及作者建议的10个步骤。同时我觉得财商的四个组成部分也是必要的。这样看来，我觉得我可以用数字来总结一下这本书的内容“16410”——

“1”是一个核心观点：“富人不为钱工作，而是让钱为他工作，成为钱的主人。”

“6”是富爸爸教的六节课：

Lesson 1——the rich doesn't work for money.

Lesson 2: Why teach financial literacy?

Lesson 3:Mind your own business.

Lesson 4: The History of Taxes And The Power of Corporation.

Lesson 5: The Rich Invent Money

Lesson 6: Work to learn-Don't work for money.

“4”是财商的四个组成部分：

accounting（会计知识）

investing（投资知识）

understanding markets（了解市场）

understanding the law（了解法律）。

“10”则是唤醒理财天赋的10个步骤：

Step 1: I need a reason greater than reality.

Step 2: I choose daily-the power of choice.

Step 3: Choose friends carefully.

Step 4: Master a formula and then learn a new one.

Step 5: Pay yourself first：the power of self-discipline.

Step 6: Pay your brokers well.

Step 7: Be an Indian giver.

Step 8: Assets buy luxuries.

Step 9: The need for heroes.

Step 10: Teach and you shall receive.

在每一部分中富爸爸或者作者都有一些很有启发性的言论，很发人深省，值得学习。财富自由之路漫漫其修远，吾将上下而求索。

“The lack of money is the root of all evil.”

The author prefers to choose the things for myself rather than simply except or reject a single point of view .

The subject of money is taught at home ,not at school .It's one of the reasons that the rich get richer ,the poor get poorer .

The poor parents 'children  will learn financial programming and mind-set from their parents .

All the people need training on the subject of money ,especially politicians and goverment officials.

The author gained  valuable insight into the power and effect of one's thoughts on one's life .

The rich dad always say, how can i afford it?

This is a question that forces you to think .

If you automatically say the words "i can't afford it",your brain stop working ,and it is a sign of mental laziness .

By asking that question ,your brain is put to work.

Your mind is the most powerful computer in the world ,you need to exercise your mind.

The rich dad's brain gets stronger everyday because he exercise it. The stronger it gets ,the money he can make.

The effects that different thoughts have on  one's life .

The rich dad had the habit of exercising his brain .

It's not much different from a person who goes the gym to exercise on a regular basis versus someone who sits on the couch watching television.

Proper physical exercise increases your  chances for health, and proper mental exercise increases your chances for wealth .

Laziness decreases both health and wealth .

The rich dad said taxes punish those who  produce and reward those  who don't produce .This is very  different from my thoughts. We have the oppositing attitudes in thought .I need to learn from the rich  dad .

He recommend study hard so you can find a good company to buy,not to work for it.

The poor dad said the reason he isn't rich is because he has the kids .But the rich dad said the reason he must be rich is because he has the kids .Look ,this is huge different .

Encouraging talking about money and business ,not avoiding talking about the subject of money.If you always mention it ,the chances you get it will increase.

Learn to manage the risk.There always have the risk ,you need to use your brain to manage it and get wealth.

People really do shape their life through their thoughts .

Money is power .Always refer to yourself as a rich .I am a rich person and rich people don't do this.Even though suffer the setback, continue to refer to yourself as a rich person .

Learn how money works

The power of our thoughts may never be measured or appreciated,but it became obvious to a young person to be aware of the thoughts and how to express ourselves.

The poor was poor not because of the amount of money he earned ,which was significant ,but because of his thoughts and actions.

Study to be rich and understand how money works .And learn how to have it to work for me.

“I don't work for money!”were the words the rich dad would repeat over and over ,"Money works for me !"

My education about money began from this book ,from the rich dad .

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 well .

The reason the positive thinking alone doesn't work is because most people went to school and never learned how money works, so they spent their lives working for money.

There are 6 main lessons,  which the rich dad all said and done, that are not to be answers but guideposts that will assist you to grow wealthier no matter what happens in a world of increasing change and uncertainty.

Life is the best teacher of all.

You are only poor if you give up .

The most important thing is that  you did something.Most people only talk and dream of getting rich. You've done something.

I am very proud of you.Keep going,don't quit.

It is wasting time if you just want to sit and listen like you do in school .

Take it or leave it,it's up to yourself.

If you can't make up your mind decisively,then you'll never learn to make money anyway.

Does teaching mean talking or a lecture?

Obviously, the answer is no.This is how we are taught in school, but that is not how life teaches you. Life is the best teacher of all.

Most of the time, life does not talk to you.It just sort of pushes you around. Each push is life saying,"Wake up, there is something I want you to learn."

Life pushes all of us around. Some give up ,others fight. A few learn the lesson and move on.They welcome life pushing them around. To these few people ,it means they need and want to learn something. They learn and move on. Most quit ,and a few fight.

If you learn this lesson of life, you will grow into a wise ,wealthy and happy young person. If you don't, you will spend your life blaming a job, low pay or your boss for your problems. You'll live life hoping for that big break that will solve all your money problems.

Or if you're the kind of person who has no guts ,you just give up every time life puts you.

If you are that kind of person, you live all your life playing it safe, doing the right things, saving yourself for some event that never happens.Then you die a boring old person. You'll have lots of friends who really like you ,because you were such a nice hardworking guy. You've spent a life playing it safe, doing the right things. But the truth is that you let the life push you into submission.

Deep down you were terrified of taking risks. You really want to win but the fear of losing was greater than the excitement of winning.

Deep inside, you and only you will know you didn't go for it. You chose to play it safe.

Learn from the life and be brave to take risks, and you will gain benefits.

The lesson No.1——the rich doesn't work for money

The taste of life

Use the stuff between your ears to solve the problems.

It was a singular point of view that made all the difference over a lifetime ——The lesson No.1,the rich don't work for money and have money work for them.

The rich dad wants me to learn how money works, so i can make it work for me.

True learning takes energy, passion,and a burning desire. Anger is a big part of that formula, for passion is anger and love combined.

When it comes to money, most people want to play it safe and feel secure. So passion doesn't direct them.Fear does.

People exploit themselves. It's their fear.

Most people, given more money, only get into more debt.

If you want to learn how to have money work for you, only you want to learn.

Not everyone want to learn how to have money work for themselves, simply because it is easier to learn to work for money, especially if fear is the primary emotion when the subject of money is discussed.

It's fear that keeps most people working at a job: the fear of not paying their bill, the fear of being fired, the fear of not having enough money, and the fear of starting over.

That's the price of studying to learn a profession or  trade, and then working for money. Most people become a slave to money and then get angry at their boss.

Got a taste of what it feels like to work for money.

If you choose to work for money, that terrible life will be like for many people.

Learning how to have money work for you is a lifetime study.

The study of money will continue over a lifetime. Simply because the more i find out, the more i find out i need to know.

Most people think more money will solve the money problem and few realize that it's their lack of financial education that is the problems.

Financial education is the most important thing needed to improve.

These are about the fear of not having money.

First, the fear of being without money motivates us work hard, and then once we get that paycheck, greed or desire starts us thinking about all the wonderful things money can buy. The pattern is then set:get up,go to work,pay bills…Their lives are run forever by two emotions: fear and greed. Offer them more money and they continue the cycle by increasing their spending.This is what I call the Rat Race.

The first step to learn another pattern is telling the truth about how you feeling. You don't to say to anyone else, just to yourself.

Most people feel the fear of not having money. Instead of confronting this fear, they react instead of think. They react emotionally instead of using their heads. Then they get a few bucks in their hands and again,the  emotions of enjoy, desire or greed take over. And again they react instead of think.So their emotions do their thinking.

Money is running their lives and they refuse to tell the truth about that. Money is in control of their emotions and had their souls.

Avoid the trap of that. Not just to be rich, because being rich does not solve the problem.

It's perfectly normal to desire something better, prettier, more fun or exciting. So people also work for money because of desire. They desire money for the joy they think it can buy.

But the joy that money brings is often short-lived, and they soon need more money for more joy, more pleasure, more comfort , more security. So they keep working, thinking money will soothe their souls that are troubled by fear and desire. But, money can't do that.

The reason that many rich people are rich is not because of desire, but because of fear.

They actually think that money can eliminate that fear of not having money ,of being poor.

So they amass tons of it, only to find the fear gets worse. They now fear losing it.

The rich dad wants to teach us to master the power of money, not be afraid of it. If you don't learn it, you can become a slave to money.

Get the chance to avoid the trap that caused by those two emotions, fear and desire. Use them in your favor, not against it.

Making a pile of money won't handle the fear or desire.

If you don't fist handle fear and desire, and you get rich, you will only be a high paid slave.

The main cause of poverty or financial struggle is fear and ignorance, not the economy or the government or the rich.

It's self-inflicted fear and ignorance that keep them trapped.

School never tell people how to handle money or fear.

By not giving in to your emotions,you were able to delay your reactions and think. That's most important.

We will always have emotions of fear and greed.

From here on in, it's most important for you to use those emotions to your advantage and for the long term to not simply let your emotions run you by controlling your thinking.

Most people use fear and greed against themselves. That's the start of ignorance.

Most people live their lives chasing paychecks, pay raises and job security, because of emotions of desire and fear, not really questioning where those emotion-driven  thoughts are leading them.

It's just like a picture of donkey dragging a cart with its owner dangling a carrot just in front of donkey's nose.

The donkey's owner may be going where he wants to go, but the donkey is chasing an illusion. Tomorrow there will only be another carrot for the donkey.

Fear pushes you out the door, and desire calls to you, and entices you toward the rocks. That's the trap.

What intensifies fear and desire is ignorance. That's why rich people with lots of money often have more fear the richer they get.

Money is a carrot , the illusion.

A human's life is a struggle between ignorance and illumination.

Once a person stops searching for information and knowledge about oneself, ignorance sets in.

That struggle is a moment-to-moment decision-to learn to open or close one's mind.

Schools train the people so our society can thrive and flourish. Unfortunately, for many people school is the end, not the beginning.

It is ignorance about money that causes so much greed and so much fear.

Learn to use your emotions to think, not think with your emotions.

"Is there something I am missing here?" which would break through the emotional thought and give you time to think clearly.

To know when someone are speaking out of emotions or out of clear thought.

The rich really did "make money". They did not work for it.

The rich know the money is illusion ,truly like the carrot for the donkey.

It's only out of fear and greed that the illusion of money is held together by billions of people, thinking the money is real.

“Keep working, but the sooner you forget about needing a paycheck, the easier your adult life will be.”

Keep using your brain, work for free. And soon your mind will show you ways of making money far beyond what I could ever pay you.

You will begin to see opportunities right in front of you that in the past would go away unnoticed.

By not getting paid from our work at the store, we were forced to use our imaginations to identify an opportunity to make money.

Imaging how to make money and make it work for us.

Lesson 2: Why teach financial literacy?

We can work or not work, the wealth grows automatically, staying away ahead of inflation.

It means freedom.

The assets are large enough to grow by themselves.

It's like planting a tree.

You water it for years, and then one day it doesn't need you anymore.

Its roots got down deep enough. Then tree provides shade for your enjoyment.

If you want to be rich, you need to be financially literate.

If you are going to build the Empire State Building, the first thing you need to do is dig a deep hole and pour a strong foundation.

If you are going to build a home in the suburbs, all you need to do is pour a six-inch slab of concrete.

Most people, in their drive get to rich, are trying to build an Empire State Building on a six-inch slap.

As for Mike and the author in their adult years, both of their choices are possible because they were taught to pour a strong financial foundation when they were just kids.

If you wanna be rich long-term, accounting could be the most important subject.

Most importantly, you must know the difference between an asset and a liability, and buy assets.

If you wanna be rich, this is all you need to know. It's rule number one. It's the only rule.

Rich people acquire assets. The poor and middle class acquire liabilities but they think they're assets.

If you want to be rich, simply spend your life  buying assets.

It's the cash flow that tells the story. It's the story of how a person handles their money. What they do after they get the money in their hand.

Money often makes obvious our tragic human flaws. Money often puts the spotlight on what we do not know.

Money only accentuates the cash flow pattern running in your head.

If your pattern is to spend everything you get, most likely an increase in crash will just result in an increase in spending.

Thus, the saying,"A fool and his money is one big party."

What's missing from most students' education is not how to make money, but how to spend money.

What to do after you make it? It's called financial aptitude.

What to do with your money once you make it?  How to keep people from taking it from you, how long you keep it, and how hard that money works for you.

Most people cannot tell why they struggle financially, because they don't understand cash flow.

A person can be highly educated, professionally successful and financially illiterate.

These people often work harder than they need to, because they learned how to work hard, but not how to have their money work for them.

More money seldom solve one's money problems. Intelligence solves problems.

"If you find yourself are in a hole, stop digging."

The poor and middle class, all too often allow the power of money to control them.

They shoot themselves in the foot as they leave for working every morning.

By not fully understanding money, the vast majority of people allow the awesome power of money to control them. The power of money is used against it.

Repeat over and over: have money work for you.

A intelligent person hires people who are more intelligent than they are.

I keep books, and I listen to tax accountants, corporate attorneys, bankers, real estate brokers, investors, and so forth.

When it comes to money, high emotions tend to lower financial intelligence.

The greatest loss of all are those from missed opportunities.

If a young couple would put more money into their asset column early on, their later years will get easier.

Their assets would had grown and would be available to help cover the expenses.

Dedicating to investing and minimizing liabilities.

The assets greatly exceed the liabilities.

The asset column generates more than enough income to cover expenses, with the balance reinvesting into the asset column.

The asset column continues to grow and therefore, the income it produces grows with it, the result being the rich get richer.

You need to learn how to have your increased efforts benefit you and your family directly.

Wealth is a person's ability to survive so many number of days forward, or if I stop working today how long could I survive?

Wealth measures how much your money is making and therefore your financial survivability.

Wealth is the measure of the cash flow from the asset column compared with the expense column.

If I want to increase my expenses, I first must increase my cash flow from assets to maintain this level of wealth.

Take notice that it is at this point that I am no longer dependent on the wages.

Focus on building an asset column that make you financially independent.

If you quit your job today, you would be able to cover your monthly expenses with the cash flow from the assets.

The next goal would be to have the excess cash flow from the assets reinvested into the asset column.

The more money that goes into the assets column, the more the asset column grows.

The more the assets grow, the more the cash flow grows.

And as long as you keep the expenses less than the cash flow from these assets. You will grow richer with more and more income from sources other than your physical labor.

As this reinvestment continues, you are well on your way to being rich.

Lesson 3:Mind your own business

There is a big difference between your profession and your business.

Their profession may be a banker, but they still need their own business.

To become financially secure, a person needs to mind their own business. Your business revolves around your asset column.

The number-one rule is to know the difference between an asset and a liability, and to buy assets.

The rich focus on their asset columns, while everyone else focuses on their income columns statements.

If the additional money is used to purchase income-generating aasets, it will only help a person become more financially secure.

Keep your daytime job, but start buying real assets, not liabilities or personal effects that have no real value once you get them home.

For adults, keep your expenses low, reduce your liabilities, and diligently build a base of solid assets.

First, business do not require your presence：you own them, but they are managed or run by other people. If you have to work there, it is not a business. It becomes your job.

Then common categories such as stocks, bonds, neutral funds, income-generating real state, notes or IOUs, royalties from the intellectual property such as music, scripts, patents and finally anything else that  has value, produces income or appreciates, and has a ready market.

The rich dad encouraged to begin acquiring assets  that you loved.

If you don't love it, you won't take care of it.

Risk is always diminished if you love what the investment is, understand it and know the game.

Rich dad always stressed the importance of financial literacy. The better you are at understanding the accounting and cash management, the better you would be at analyzing investments, and eventually starting and building your own company.

Minding your own business means to build and keep your asset column strong. Once a dollar goes into it, never let it come out.

Think of it this way: once a dollar goes into your asset column, it becomes your employee.

The best thing about money is that it works 24 hours a day and can work for generations.

An important distinction is that rich people buy the luxuries last, while the poor or middle-class tend to buy luxuries first.

The old-money people, the long-term rich, build their asset column first. Then the income generated from asset column buys their luxuries.

A true luxury is a reward for investing in and developing a real asset.

After you have taken the time and invested in and built your own business, and you are now ready to add the magic touch.

Biggest secret of the rich-the secret that puts the rich way ahead of the pack.

Lesson 4: The History of Taxes  And The Power of Corporation.

The passage of taxes was only possible because the masses believed in the Robin Hood theory of economics, which is taken from rich and give it to everyone else.

It is the knowledge of the power of legal structure of the corporation that really gives the rich a vast advantage over the poor and the middle-class.

The rich outsmarted the intellectuals solely because they understood the power of money, a subject not taught in schools.

True capitalists used their financial knowledge to simply find a way to escape.

They headed back to the protection of a corporation. A corporation protects the rich.

But what many people who have never formed a corporation do not know is that a corporation is not really a thing.

A corporation is merely a file folder with some legal documents in it, sitting in some attorney's office and registered with a state government agency.

A corporation is merely a legal document that creates a legal body without a.soul.

The wealth of the rich was once again protected.

If you only understood the way the rich play the game, you could play it too. Then you will be on your way to your own financial independence.

Every time people try to punish the rich, the rich don't simply comply. They react.

They have the money, power and intent to change things.

They do not just sit there and voluntarily pay more taxes. They search for way to minimize the tax burden. They have their resources to effect change.

The poor and middle-class just sit there and let the government's needles enter their arm and allow the blood donation begin.

The rich dad played the game smarter, and he did it through corporations-the biggest secret of the rich.

By relying solely on a paycheck from a corporate employer, you would be a docile cow ready for milking.

Keep the idea alive.

Each dollar in the asset column is great employee, working hard to make more employees and buy the boss a new Porsche with before-tax dollars.

The strong financial knowledge -financial IQ is very important.

Financial IQ is made up of knowledge from 4 broad areas of expertise: accounting, investing, understanding markets, understanding the law.

The first area is accounting called financial literacy,is a vital skill if you want to build an empire.

The more money you are responsible for, the more accuracy are required, or the house comes tumbling down.

This is the left-brain side, or the details. Financial literacy is a ability to read and understand financial statements. This ability allows you to identify the strengths and weaknesses of any business.

The second is investing which can be called the science of money making money. This involves strategies and formulas. This is the right-brain side or the creative side.

Next you must obtain expertise in understanding markets, the science of supply and demand. This is a need to know the technical aspects of the market which is motion-driven.

Finally you must understand the law.

An individual with the knowledge of the taxes advantages and protection provided by a corporation can get rich so much faster than someone who is an employee or a small business sole proprietor. It is like the difference

between someone walking and someone flying. The difference is profound when it comes to long-term wealth.

Lesson 5: The Rich Invent Money

We all have tremendous potential, and we all are blessed with gifts.

Yet the one thing that holds all of us back is some degree of self-doubt. It is not so much the lack of technique information that holds us back, but more the lack of self-confidence. Some are more affected than others.

In the real world outside of academics, something more than just grades is required.

Inside of each of us is one of these brave brilliant and daring characters. There is also the flip side of that character: people who could get down on their knees and beg if necessary.

It is excessive fear and self-doubt that are the greatest detractors of personal genius.

Often in the real world, it is not the smart who get ahead, but bold.

Your financial genius requires both technical knowledge as well as courage. If fear is too strong, the genius is suppressed.

To learn to take risks, to be bold, to let genius covert that fear into power and brilliance.

Become financially literate to own more options.

If you develop your financial IQ, you will prosper greatly. And if you don't, this period of time will be a frighten one.

We could learn a lot if we tuned in more.

The people who can get out of the Rat Race the quickest are the people who understand numbers and have creative financial minds.

Rich people are often creative and calculated risks.

Limiting your options is the same as hanging on to old ideas.

Financially intelligence is simply having more options.

It is not so much what happens, but how many different financial solutions you can think of to turn a lemon into millions. It is financially intelligence. It is how creative you are in solving financial problems.

So why would you want to increase your financial intelligence?

Because you want to be the kind of person who creates your own luck.

You can take whatever happens and make it better. Few people realize that luck is created, just as money is.

And if you want to be luckier and create money instead of working hard, then your financial intelligence is important.

Money is not real. The rich make money.

The more real think money is, the harder you will work for it. If you can grasp the idea that money is not real, you will grow richer faster.

Money is what we agree. The single most powerful asset we all have is our mind.

If it is trained well, it can create enormous wealth and what seems to be an instinct.

It is important to have a strong financial foundation, which starts with a strong financial education.

Financial intelligence is made up of these four main technical skills: 1.Financial literacy, the ability to read numbers. 2.Investment strategies, the science of money making money. 3. The market, supply and demand. 4.The law, the awareness of accounting, corporate, state national rules and regulations. Playing within the rules.

It is this basic foundation, or the combination  of these skills, that is needed to be successful in the pursuit of wealth.

The examples are just that-examples.

Simple math and common sense is all that's needed to do well financially.

Lesson 6: Work to learn-Don't work for money.

Financial intelligence is a synergy of accounting, investing,marketing and law.

Combine these four technical skills and making money with money easier.

If she diligently learns the skills of sales and marketing, her income will jump dramatically.

Take some courses in advertising copy-writing as well as sales.

Learn how to communicate in short-cuts.

Spend time learning public relations, an important skill. Learn how to get millions in free publicity. Then at night and on weekends, you can be writing your great novel.

"You want to know little about a lot" is the rich dad's suggestion. That's why for years the author worked in different areas of his companies.

Learn via osmosis.

Pick up jargon and a sense of what is important and what is not.

Know a little about every aspect of his empire.

Study trade, people, business styles and cultures.

The hardest part of running a company is managing people. If you are not a good leader, you will get shot in the back just like they do in business.

Job is an acronym for Just Over Broke.

To seek work for what you will learn, more than what you will earn.

Look down the road at what skills you want to acquire before choosing a specific profession, and before getting trapped in the Rat Race.

Taking a long view of the life.

Take a second job what will teach you a second skill.

Joining a network-marketing company,also called multilevel marketing, if you want to learn sale skills.

Some of these companies have excellent training programs that help people get over their fear of failure and rejection, which are the main reasons people are unsuccessful.

Education is more valuable than money, in the long run.

The reason so many talented people are poor is because they focus on building a better hamburger and know little to nothing about business systems.

Groom yourself.

Why not seek to learn more than to earn？

In the short term, it may earn you less, in the long term it will pay off large dividends.

The main management skills needed for success are: the management of cash flow, the management of systems(including yourself and time with family), and the management of people. The most important specialize skills are sells and understanding marketing.

It is the ability to  sell-therefore to communicate to another human being, be it a customer, employee, boss, spouse, or child-that is the base skill of personal success.

It is communication skills such as writing, speaking and negotiating that are crucial to a life of success.

It is a skill that you can work on constantly and attending the courses or buying educational resource to expand the knowledge.

Work with people smarter than you are, and bring smart people together to work as team. It can be called a synergy of professional specialties.

They can teach as well ad sell and market. I know of no other skills to be more important than selling as well as marketing.

The better you are at communicating, negotiating and handling the fear of rejection, the easier life is.

Being technically specialized has strength as well as its weakness.

Just spend a year learning to sell.

And even if there will earn nothing, the communication skills will get improved. That is priceless.

Getting started.

It really is easy to find great deals. I promise you that. It is just like riding a bike. After a little wobbling, it is a piece of cake.

But when it comes to money, it is the determination to get through the wobbling that  is a personal thing.

To find million-dollar deals of a lifetime requires us to call on our financial genius.

Each of us has a financial genius within us.

The problem is our financial genius lies asleep, waiting to be called upon.

Follow 10 steps to awaken your financial genius.

Step 1: I need a reason greater than reality.

Step 2: I choose daily-the power of choice.

Step 3: Choose friends carefully.

Step 4: Master a formula and then learn a new one.

Step 5: Pay yourself first：the power of self-discipline.

Step 6: Pay your brokers well.

Step 7: Be an Indian giver.

Step 8: Assets buy luxuries.

Step 9: The need for heroes.

Step 10: Teach and you shall receive.

Step 1: I need a reason greater than reality.

A reason or a purpose is a combination of wants and don't wants.

First list don't wants, for they create wants.

Don't wants:

1.I don't wanna work all my life.

2.I don't want what my parents lived for, which was living without money.

3.I don't like being an employee.

Now the wants:

1.I want to be free to travel the world and live in the lifestyle I love.

2.I want to be young when I do this.

3.I want to simply be free.

4.I want to control over my time and my life.

5.I want money to work for me.

Those are deep-seated emotional reasons.

Without a strong reason or purpose, anything in life is hard.

Step 2: I choose daily-the power of choice.

We want the power to choose.

Financially with every dollar we get in our hands, we hold the power to choose our future to be rich, poor or middle class.

Our spending habits reflect who we are.

Poor people simply have poor spending habits.

Think thoughts of two things: one is time, which is your most precious asset. And two is learning.

Just because you have no money, it should not be an excuse not to learn.

But that is a choice we all make daily: the choice of what we do with our time , our momey and what we put in our heads.

That is the power of choice. All of us have choice.

I just choose to be rich and I make that choice everyday.

Step 3: Choose friends carefully.

First of all, do not choose friends by the financial statements.

You can learn all of people.

Notice that the friends with money talk about money. They are interested in the subject.

Find out what not to do from who are in dire strait financially.

Step 4: Master a formula and then learn a new one.

In order to make bread, every baker follows a recipe, even if it is only held in their head. The same is true for making money.

Learn a formula and the next trick is to have the discipline to actually put into action what I learned.That is where most people stop.

Step 5: Pay yourself first-the power of self-discipline.

If you can not get control of yourself, do not try to get rich. It makes no sense to invest, make money and blow it.

The lack of personal self-discipline is the number one delineating factor between the rich, the poor and the middle class.

Each month, the rich who can get control of themselves allocate money to their asset column before they pay their monthly expenses.

Step 6: Pay your brokers well.

If the people are professionals, their services should make you money. And the money they make, the more money I make.

We live in the information age. Information is priceless.

A good broker should provide you with information as well as take the time to educate you as to as me.

Step 7: Be an Indian giver.

This is the power of getting something for nothing.

In the world of the asset column, being an Indian giver is vital to wealth.

The sophisticated investor's first question is: How fast do I get my money back?

They also want to know what they get for free, also called a piece of the action.

That is why the ROI, or return of and on investment, is so important.

Step 8: Assets buy luxuries.

If a person cannot master the power of self-discipline, it is best not try to get rich.

For while the process of developing cash flow from an asset column in theory is easy, it is the mental fortitude of directing money is hard.

Due to external temptations, it is much easier in today's consumer world to simply blow it out the expend column.

Because of weak mental fortitude, that money flows into the paths of least resistance.

That is the cause of poverty and financial struggle.

As a habit, I use the desire to consume to inspire and motivate the financial genius to invest.

Remember, the easy road often becomes hard, and the hard road often become easy.

The earlier you can train yourself and those you love to be masters of the money, the better.

Money is a powerful force. Unfortunately, people use the power of money against them.

If your financial intelligence is low, money will run all over you. It will be smart than you. If money is smarter than you, you will work for it all your life.

Step 9: The need for heroes.

I want to know everything because I want to be just like them.

I follow what Warren Buffet invested in, and read anything I can about his point of view  on the market.

By having heroes, we tap into a tremendous source of raw genius.

But heroes do more than simply inspire us.

Heroes make things look easy.

It is the making it look easy that convince us to want to be just like them.

If they can do it, so can I.

Step 10: Teach and you shall receive.

Being charitable or giving is necessary.

If you want something, you first need to give.

When the rich dad was short of money, he simply gave money to his church or to his favorite charity.

If I could leave one single idea with you, It is that idea.

Whenever you feel short or in need of something, give what you want first and it  will come back in buckets.

That is true for money, a smile, love, friendship.

I know it is often the last thing a person may want to do, but it has always worked for me.

I just trust that the principle of reciprocity is true, and I give what I want.

If a person is rich, that person is providing something that other people want.

In my life, whenever I have felt needy or short of money or short of help, I simply went out or found in my heart what I wanted, and decided give it first. And when I gave, it always came back.

And when it comes to money, love, happiness, sales, and contacts, all one needs to remember is first to give what you want and it will come back and grows.

There are powers in this world that are much smarter than we are.

You can get there on your own, but it is easier with the help of the power that be.

All you need to be is generous with what you have and the powers will be generous with you.

Take action!

All of you were given two great gifts: your mind and your time. It is up to you to do what you please with both.

With each dollar bill that enters your hand, you and only you have the power to determine your destiny. Spend it foolishly, you choose to be poor. Spend it on liabilities, you join the middle class. Invest it in your mind and learn how to acquire assets, and you will be choosing wealth as your goal and your future. The choice is yours and only yours.

With every day with every dollar, you decide to be rich, poor or middle class.

Choose to share this knowledge with your children and you choose to prepare them for the world that awaits. No one else will. You and your children's future will be determined by choices you make today, not tomorrow.