ドナルド・トランプ「借金の使い方について語る」ロバート・キヨサキ氏との対談
Summary
TLDR「リッチ・ダッド プア・ダッド」という1997年の書籍で、家は資産ではなく、多くの人々を困惑させました。しかし、支払いができない場合、家は最大の負債です。不動産は素晴らしい投資先ですが、賢く扱わなければ危険です。借金は二刃の剣であり、賢く扱う必要があります。また、「手を抑えて暮らす」というアドバイスは、精神を殺し、健康を損なうと感じる人もいます。代わりに、財務教育を求め、収入を増やし、過剰な借金を避けることが重要です。成功するためには、自信と強さが必要です。また、投資にはリスクがあり、財務IQが高くないと、良い投資と悪い投資を見分けられません。
Takeaways
- 🏠 住宅は資産ではなく、負債になる可能性があると述べています。
- 💡 不動産はベストな投資手段の一つですが、賢く扱わなければ危険です。
- 🔪 借金は二刃の剣で、賢く使用すれば豊かになれる一方、誤用すれば破産に陥くことも。
- 🧠 財務教育は重要で、借金を減らすことよりも、良い投資と悪い投資を区別する知恵を身につけることが大切です。
- 🚫 「手を抑えて生活する」という考えは精神を殺し、自己満足を阻害する可能性があると述べています。
- 📚 知識を深く、収入を広げるために自己成長を求める方が、過剰な借金を背负うことを避けることができると提案しています。
- 🛫 精神的な状態を高めるためには、自分に自信を持ち、より良い状態にならなければならないと述べています。
- 💰 資産を増やし、その後はその成果を享受するかどうかは選択可能だと強調しています。
- 🤔 投資はリスクがあり、金を失う可能性があるため、財務的な知恵を持つことが重要だと警告しています。
- 📈 成功するためには、良い投資とアドバイスを選別する能力が必要です。
- 🏗️ 作者自身の経験から、成功を収め、その後その成果を自在に選択することができると語っています。
Q & A
作者が「家は資産ではない」と述べた理由は何ですか?
-作者は、家が支払い不能になったときに最も大きな負債になる可能性があると述べています。これは、家を資産と見なすという一般的な信念に反する考え方です。
不動産について作者は何と述べていますか?
-作者は、不動産が最高の投資手段だと述べていますが、賢く扱わなければ危険であり、二重刃の剣であると警告しています。
負債をどのように扱うべきですか?
-負債は、賢く使用すれば豊かになれるが、使用するほど賢くなければならない、という二重刃の剣です。負債を使えば豊かになれるし、逆に負債に翻弄される可能性もあります。
「手を出してはいけない」というアドバイスとは何ですか?
-作者は、「手を出してはいけない」というアドバイスが精神を殺し、人を不幸に感じさせると述べています。代わりに、財務教育を受けて、収支を超えずに生活するように勧めています。
成功するために必要なものは何ですか?
-成功するためには、自信を持って、自己改善と向上心を持つことが重要です。また、財務教育を深めて、良い投資とアドバイスを識別する能力を持つことが求められます。
作者が友人の行動について何と述べていますか?
-作者は、友人が経済状況にかかわらずファーストクラスだけに乗る行動について述べています。友人は、それが彼の精神状態を上げ、より成功的な人間に変えたとされています。
作者が所有する物件について何と述べていますか?
-作者は、所有する物件が非常に価値のある場所であり、必要ではなかったが、所有することで満足感を得ていると述べています。また、物件を保有することで、その価値は増していると語っています。
投資において何が最も重要ですか?
-投資において最も重要なのは、財務IQや財務的な知恵です。良い投資とアドバイスを識別する能力があれば、様々な投資手段で成功することができます。
作者が述べる「手を出してはいけない」精神とは何ですか?
-作者が述べる「手を出してはいけない」精神とは、人々が自分たちの手の届く範囲内で生活し、その状態に満足する姿勢を意味しています。これは、自己成長を阻害し、人々の精神を殺すとされています。
作者はなぜ人々が借金についてもっと知るべきだと述べていますか?
-作者は、借金を理解することで人々は賢く借金を使い、それが彼らを豊かにすることができると述べています。また、借金について知らずに盲目的に借金を避けることは、潜在的な豊かにを失う原因になる可能性があると警告しています。
作者が述べる「生活水準を上げる」とは何を意味しますか?
-作者が「生活水準を上げる」とは、人々が自分の収益を超える支出を行い、借金を負うことなく、より良い生活を追求することを意味しています。これは、財務教育を通じて収益を増加させ、賢明な投資を通じて資産を増やすことが必要です。
Outlines
🏠 不動産と負債、そして財務教育の重要性
本段落では、1997年に出版された『Rich Dad Poor Dad』で提唱された「家は資産ではない」という考え方と、それが人々を怒らせる理由について触れています。また、不動産の良し悪しについても解説しており、賢く扱えば資産にできるが、無闇に使えば破産の原因になる可能性があると警告しています。さらに、借金の使い方と、それが持続的な豊かさを築くための鍵であると述べていますが、借金を増やすほど賢くなければならず、それが繰り広げられるリスクについても説明しています。最後に、節約を強調するのではなく、財務教育を通じて収入を増やし、借金を適切に管理することが肝要であると結論づけています。
💰 投資のリスクと財務IQの重要性
第2段落では、人々が持続的に資産を築くことの重要性と、それが達成できなければ常に何かを失っていると考えられるという視点から話しています。また、財務教育の欠如が、投資の良し悪しを見極められない原因になり、結果的に損失を被ることになる可能性があると警告しています。過去1年間で目撃した最も悲しい光景は、努力家で保守的な投資家が、株式投資によって資産価値が半減した例であり、彼らは間違っていなかったが、市場の変動によって不幸に見舞われました。最後に、投資の結果は財務IQによって大きく変わり、良い投資とアドバイスを選別する能力が成功の鍵であると結論づけています。
Mindmap
Keywords
💡資産
💡負債
💡不動産
💡借金
💡金融教育
💡収益
💡生活水準
💡自己満足
💡リスク管理
💡投資
💡成功
Highlights
In 'Rich Dad Poor Dad', the author controversially stated that a house is not an asset, which was a common belief challenged in 1997.
The author emphasizes that a house can become a liability if one cannot make the payments.
Real estate is praised as the best investment, but it requires smart handling to avoid its risks.
Debt is likened to a double-edged sword; it can be used to get richer or wipe one out.
Financial education is crucial to discern between good and bad investments.
Advising someone to simply 'get out of debt' is not always accurate or helpful.
The author argues against the notion of living below one's means, stating it can be demotivating.
Expanding one's means without incurring excessive debt is a goal, rather than just living frugally.
The author shares a personal anecdote about being inspired by seeing larger jets, symbolizing the desire to do better.
Mentally positioning oneself as successful, even before achieving it, can be a powerful mindset.
The author recounts a friend's strategy of always flying first class to maintain a successful mindset, despite financial constraints.
The importance of feeling good about oneself and striving for improvement is highlighted.
The author discusses the joy of achieving financial success and the option to enjoy it without needing it.
Financial education is essential to understand the nuances of investments and to distinguish between good and bad advice.
The author laments the plight of hardworking, conservative investors who have seen their net worth halved due to stock market fluctuations.
Historically solid investments can still pose significant risks if one lacks financial acumen.
The author stresses that financial intelligence is key to making investments valuable and to discerning between good and bad advice.
Transcripts
well in Rich Dad Poor Dad I came out in
1997 I said your house is not an asset
and it drove people nuts it's just one
crazy on me cuz that's a common belief
but when when you can't make your house
payments you find out is the biggest
liability you've got and what many
that's turned out to be very much more
correct than you even thought right when
you look at what's happened to home
prices and Donald and I love real estate
I love it I think it's the best thing
going better than sliced bread but if
you're not smart with it it's like a
loaded gun you know you can protect
yourself we can kill yourself with it so
real estate is to me the best vehicle
but you've got to be smart with it
because we're using debt and debt is a
two-edged sword out there so you use
debt I used it but the more debt you use
actually you have to be smarter so you
can use debt to get richer you can also
use debt to wipe you out so that's why
you know I continue on saying we need
financial education to just say to
somebody get out of debt well that's not
accurate
you used it don't you that is a great
thing and to be big and to be very
successful
debt is a very useful weapon one but you
have to be very careful that's correct
so the other thing with when people say
live below your means you don't like to
live below your means to you know and I
think when you say to somebody live
below your means you've wiped the spirit
out
it's like saying somebody if we don't
lose weight go on a starvation diet it
doesn't make you healthier to starve
yourself so I would rather get
financially educated that's why I read
read your books because I want to this
is my greatest asset I want to feed my
brain so that I can expand my means
without getting into excessive debt or
where I start to lose because debt at
this day is a to a sword but telling
somebody to live below your means is
almost inhumane I never felt good doing
it I wanted to strive to do better every
day I want to do
better everyday I liked a good life I
tell the story of taxiing underneath
your jet you know I thought I was in my
jet but it was a little Learjet I look
up and there's a 727 the night taxi
under it as a it's it's big boys and
their toys but nonetheless it inspired
me I said okay I'm in a Learjet now it's
time to step up and it doesn't mean the
jet will make me happier what makes me
happier is the wanting to get better to
get smarter to do better well I'd have a
friend who was not successful at all but
was really up-and-coming and he had a
thing he would only fly first less I'm
not saying do this because for somebody
who won't work but he needed that
mentally right he wanted to fly first
class because mentally he wanted to
think he was the best and that's it and
even though he didn't have much money at
the time this is years ago he would
always fly used to criticize him but it
put him in a good state of mind and he
became a very very successful guy very
very successful and I oh I've always
remembered that he would never fly coach
you would always fly first last even
though I didn't have the means to fight
so look it's complicated but whatever it
takes to train that whatever it makes
you feel better about yourself stronger
more confident to want to do better and
I think really that's the issue and then
we're at the stage of our lives right
now we you know to ask for more is not
really it but to do better to feel
better about ourselves it's still
important it is very important so that's
why I don't like saying live below your
means and scrimp and all that because
you know shopping is fun
nice nice houses are fun at the same
time you have to be very careful yes
pajetta be responsible correct like you
know when when you invited us up to your
your little con your little duplex up
whatever they call it who walked up
there I've never seen a two-story entire
floor
home in New York City and my wife Kim
says you know I never thought I didn't
really not live in a condo but just as
mr. Trump's house will do and it is
spectacular
I mean it's I don't need that yes I know
I don't need that if I had one nice
bedroom where the good television said
in a nice bed and you don't really need
that but it was in a building I built
right and it was there for the taking so
I figured I might as well do it and what
have I done
instead of selling the equivalent of 12
or 13 units I kept them and by keeping
them I have them I didn't sell them and
that's okay and it's become you know a
very valuable place so I didn't need
that I don't need it now
but there's something nice about it
right and that's my message is achieve
it and then you can take it or leave it
but if you don't achieve it then it's
always something away from you so again
that's why be redundant about this
living below your means I don't think
that makes your spirit happy it kills
your spirit also if you don't have the
financial education when somebody says
your house is an asset or these mutual
funds are good or the stock will go up
and you don't know the dirty and good
investment and a bad investment because
real estate can be a bad investment
stocks can be a bad investment if you
don't know a good investment advice from
bad investment advice then you're going
to take it this world is not kind should
we say the hardest thing that I've
witnessed over the last year is seeing
people that were very hardworking and
very conservative that invested in the
stocks and I'm not talking about
high-flying stocks I'm talking about
very solid companies and their net worth
is 50% of what it was a year ago and
haven't done anything wrong
right now they put their money in stock
so I guess you could say that's wrong
but it's really not wrong though because
historically that's been okay so they
went into conservative stocks and a year
later they're worth 50% and all they've
done is worked and that's the hardest
thing I've seen that's a tragedy the
thing that I want to say is this you can
invest in gold and lose money
you can invest in real estate and lose
money you can lose the stocks and lose
money you can invest in oil and lose
money can also make a lot of money all
those things so really the reason we get
together is because your financial
intelligence your financial IQ makes
something valuable or not value like I
said you have to know a good investment
from a bad investment
good advice from bad advice
Browse More Related Video
【結局これが一番増える】投資1年目にやればよかったこと6選
1秒でも早く読んで知るべき『お金』に関する知識がつまっている本でした!『26歳の自分に受けさせたいお金の講義』
How to Improve Capitalism
Why Gold Is More Valuable Than Ever Now | WSJ
【夫の借金を乗り越えた!】投資マニアちぇぶの資産形成術とは?投資ポートフォリも公開!節約&家庭のお金管理術|お金の達人 投資家たちのマイルールby SBI証券
【テスタ】株で100億円稼ぐ時間術/投資歴19年 リスク取らず勝ち続ける投資法/資産のピークで死にたい/家賃400万円のマンション/家を買わない理由/節約はしない/新NISA活用法/成功する人の特徴
5.0 / 5 (0 votes)