PADRE RICCO PADRE POVERO - Robert Kiyosaki - AUDIOLIBRO in ITALIANO Riassunto - Crescita personale

Summary

In 'Rich Dad Poor Dad,' Robert Kiyosaki shares contrasting money philosophies from his two father figures, emphasizing the importance of financial education. He outlines six key lessons, including the distinction between assets and liabilities, the necessity of financial literacy, and the power of passive income. Kiyosaki advocates for a mindset shift to escape the cycle of working for money, instead encouraging the pursuit of investments that generate wealth and financial independence.

Takeaways

• 😀 Robert Kiyosaki's 'Rich Dad Poor Dad' emphasizes the importance of financial education and changing one's mindset towards money.
• 🏦 The rich focus on making money work for them by investing in assets, while the poor and middle class often work for money and accumulate liabilities.
• 💡 Financial literacy is more powerful than money itself, and it is crucial to understand the difference between assets and liabilities.
• 📈 Kiyosaki suggests that one should not be overly attached or detached from money but use emotions and intellect to one's advantage in financial decision-making.
• 📊 A simple cash flow diagram is used to illustrate the financial models of the poor, middle class, and rich, highlighting the importance of generating income from assets.
• 🏡 The script points out that a house is often considered a liability rather than an asset due to its associated costs and lack of immediate liquidity.
• 💼 Taking care of one's own business means focusing on building assets and not being overly consumed by working for others.
• 💼 Kiyosaki advises against starting a company unless it is essential for the individual, due to the heavy burdens and risks involved.
• 💼 Taxes were historically implemented to fund wars and have become a permanent fixture, with the rich often finding ways to minimize their tax burden.
• 💼 Financial intelligence is key to creating wealth without constant work, which involves seizing opportunities and having liquid assets for investment.
• 💼 Kiyosaki emphasizes the importance of selling skills and leadership, suggesting that many talented individuals earn less because they fail to understand these concepts.

Q & A

Who is Robert Toru Kiyosaki and what is his background?

Robert Toru Kiyosaki is an American investor, businessman, motivational speaker, and author known for his work in financial literacy. He was born and raised in Hawaii, served as a Marine and helicopter pilot during the Vietnam War, and later worked for Xerox Corporation. In 1977, he created his own company, and in 1985, he founded an international financial education company. He is also the author of the best-selling book 'Rich Dad Poor Dad'.

What is the main theme of 'Rich Dad Poor Dad'?

The main theme of 'Rich Dad Poor Dad' is the contrast between the financial education and mindset of the author's two 'fathers' and how it influenced his understanding of money, wealth, and financial independence.

What are the six lessons that Kiyosaki learned and illustrates in his book?

The six lessons are not explicitly listed in the provided transcript. However, the transcript does highlight the importance of not working for money, the significance of financial education, understanding the difference between assets and liabilities, taking care of one's own business, the history of taxes and corporate power, and the concept of creating money without working.

What does Kiyosaki suggest is the problem with working for money?

Kiyosaki suggests that working for money, especially when driven by fear of financial insecurity or greed, can lead to a cycle of dependency on an employer, routine, and paying taxes without truly gaining financial independence or freedom.

According to Kiyosaki, what is the difference between assets and liabilities?

Assets are things that generate income and can include stocks, bonds, real estate, and other income-producing investments. Liabilities, on the other hand, generate expenses and can include things like mortgages, loans, and credit card debt.

Why does Kiyosaki emphasize the importance of financial education?

Kiyosaki emphasizes financial education because it empowers individuals to understand and manage their money effectively, make informed investment decisions, and ultimately achieve financial independence.

What is the significance of the cash flow model in Kiyosaki's teachings?

The cash flow model is significant as it illustrates the financial dynamics between income, expenses, assets, and liabilities. It helps individuals visualize how money moves in and out of their lives and how to structure it to achieve wealth.

How does Kiyosaki define wealth?

Kiyosaki defines wealth in terms of time, suggesting that if one can survive without working, they are wealthy. It is about having passive income from assets that can cover expenses, thus providing financial freedom.

What advice does Kiyosaki give regarding taking care of one's own business?

Kiyosaki advises that taking care of one's own business means focusing on building and managing assets that generate income, rather than solely working for someone else or focusing on liabilities.

How does Kiyosaki view the role of taxes and corporate power in wealth accumulation?

Kiyosaki discusses the historical context of taxes and how they have been used to finance wars and have become a permanent fixture in many economies. He suggests that the rich have learned to minimize their tax burden and that understanding tax laws and corporate structures can be beneficial in wealth accumulation.

What are some of the mental obstacles that Kiyosaki identifies that people need to overcome to achieve financial success?

Kiyosaki identifies several mental obstacles including fear, cynicism, laziness, bad habits, and arrogance. Overcoming these requires knowledge, motivation, a change in habits, and a curious and humble approach to learning.

Outlines

00:00

💼 The Dual Perspectives on Money and Financial Education

This paragraph introduces Robert Kiyosaki, the author of 'Rich Dad Poor Dad,' and his contrasting experiences with money from two father figures. The 'rich dad' emphasizes that money is a form of power and encourages Kiyosaki to think about how to afford things rather than saying 'I can't afford it.' The 'poor dad,' on the other hand, holds traditional views on money and financial stability. The author reflects on the importance of financial education, which he sees as more powerful than money itself, and outlines six lessons he learned, starting with the idea that the rich don't work for money but make money work for them, and the importance of managing one's relationship with money through education and risk management.

05:05

🏦 Understanding Financial ABCs and the Power of Assets

This section delves into the basics of financial literacy, emphasizing the distinction between assets and liabilities. It explains the cash flow model, which includes income, expenses, assets, and liabilities, and how it differs among the poor, middle class, and rich. The author stresses the importance of buying assets that generate income and avoiding liabilities that produce expenses. The goal is to increase income-generating assets while decreasing liabilities and expenses, moving towards financial independence. The author also discusses the importance of having a passive income and the need for a change in mentality towards money.

10:13

🏠 Building Wealth Through Smart Investments and Tax Strategies

The third paragraph focuses on personal business management and smart investing. It discusses the types of assets that can generate income without the need for constant personal involvement, such as businesses, mutual funds, bonds, real estate, and intellectual properties. The author shares his personal investment strategies in the stock market and real estate, emphasizing the importance of understanding the market and seizing opportunities. The paragraph also touches on the history of taxes and corporate power, explaining how the rich have learned to minimize their tax burden and the importance of leveraging tax strategies to increase wealth.

15:13

🤝 Developing Financial Intelligence and Overcoming Obstacles

The final paragraph discusses the importance of financial intelligence, selling skills, and leadership in building wealth. It highlights the need to manage cash flow, systems, and personal habits effectively. The author identifies and suggests overcoming common obstacles such as fear, cynicism, laziness, bad habits, and arrogance. The paragraph concludes with advice on choosing the right friends and role models to foster a constructive and positive environment for financial growth and success.

Keywords

💡Financial Literacy

Financial literacy refers to the knowledge and understanding of various financial concepts, such as budgeting, investing, and managing personal finances. In the video's context, it is the foundation for the author's teachings and is central to the theme of understanding money management and wealth creation. The script mentions the author's work for financial literacy and the importance of financial education as a form of power.

💡Assets and Liabilities

Assets are items or properties that generate income or have value, while liabilities are obligations or debts that result in outgoing cash flow. The script emphasizes the distinction between these two financial terms, explaining that the rich acquire assets and the poor and middle class acquire liabilities, often mistaking them for assets. This concept is crucial for building wealth as it guides individuals to invest in income-generating properties rather than debt-increasing expenses.

💡Cash Flow

Cash flow represents the movement of money into and out of a business or individual's finances. The script uses the cash flow model to illustrate the financial patterns of different social classes, showing how the rich have a positive cash flow from assets, while the poor and middle class have a negative cash flow due to expenses and liabilities. Understanding one's cash flow is essential for financial planning and achieving financial independence.

💡Risk Management

Risk management involves the identification, evaluation, and prioritization of risks followed by coordinated efforts to minimize, monitor, and control the probability or impact of unfortunate events. In the video, the author contrasts the attitudes towards risk between the 'rich dad' and the 'poor dad,' highlighting the importance of learning to manage risk in order to accumulate wealth and not be dominated by fear.

💡Financial Independence

Financial independence is the state where one's income-generating assets are sufficient to cover living expenses without the need for active employment. The script discusses the concept of measuring wealth in terms of time, asking how long one could survive if they stopped working, which is directly related to the level of financial independence achieved.

💡Entrepreneurship

Entrepreneurship is the process of designing, launching, and running a new business, which is typically a step beyond managing risks and involves a significant amount of innovation, dedication, and leadership. The author's 'rich dad' is described as an entrepreneur, and the script suggests that entrepreneurship can be a path to wealth, although it comes with its own set of challenges and risks.

💡Taxation

Taxation is the compulsory financial charge or some other type of levy imposed upon a taxpayer by a governmental organization. The script discusses the history of taxes and how they have been used to finance wars and other government activities. It also touches on tax strategies used by the rich to minimize their tax liabilities, such as tax deferral on property sales.

💡Investment

Investment refers to the commitment of money or capital to an asset or venture with the expectation of obtaining profit or income. The script mentions various forms of investment such as real estate, stocks, and small companies going public, emphasizing that investments should be made with financial intelligence and an understanding of market opportunities.

💡Mental Attitude

Mental attitude pertains to the way an individual thinks and feels about certain situations, which can significantly influence their actions and decisions. The video stresses the importance of having the right mental attitude towards money, suggesting that one should not be overly attached or detached but rather use emotions to think and make informed financial decisions.

💡Educational Game

An educational game is a type of game designed to help people learn about a certain subject in a fun and interactive way. The author created the 'Cash Flow' educational game to teach people about financial concepts and to simulate the experience of managing personal finances, which is a practical tool for understanding the principles discussed in the video.

💡Wealth Measurement

Wealth measurement is the process of assessing the total value of an individual's or family's assets and liabilities to determine their net worth. In the script, the author suggests measuring wealth in terms of time, which is a way to evaluate one's financial independence and the sustainability of their income-generating assets.

Highlights

Robert Kiyosaki is an American investor, businessman, motivational speaker, and author focused on financial literacy.

Kiyosaki's contrasting experiences with his 'rich dad' and 'poor dad' shaped his views on money and financial education.

The 'rich dad' philosophy: Money is power and a lack of it is the root of all evil, encouraging proactive financial management.

The 'poor dad' perspective: Money doesn't matter and financial risks should be avoided, leading to a life of financial struggle.

Financial education is not commonly taught in schools, yet it is crucial for understanding money as a form of power.

Six key lessons are outlined in 'Rich Dad Poor Dad', emphasizing the importance of financial intelligence.

The rich do not work for money; instead, they learn to make money work for them.

Understanding the difference between assets and liabilities is fundamental to building wealth.

A simple cash flow diagram is introduced to illustrate the financial models of the poor, middle class, and rich.

The importance of financial independence and measuring wealth in terms of time without working.

Taking care of one's own business involves managing assets to generate income.

Historical context of taxes and how they have impacted the financial strategies of the rich and middle class.

Strategies for minimizing tax liabilities and leveraging corporate structures for financial gain.

The necessity of financial intelligence to invent and create money without constant labor.

Learning to manage cash flow, systems, and personal financial habits is crucial for success.

Overcoming common obstacles such as fear, cynicism, laziness, and arrogance through knowledge and motivation.

The importance of choosing the right profession, selling skills, and understanding leadership in financial success.

Building a network of constructive friends and finding heroes to emulate for financial inspiration.

Transcripts

rich dad poor dad what the rich teach their kids about money

gribaudi editore 2016 the author Robert toruk kiyosaki is an american investor

businessman motivational speaker and author works for financial literacy he is an

entrepreneur and communicator born and raised in hawaii currently lives with his wife although

real estate investor in Phoenix Arizona after graduating from New York he became a Marine and

was employed as a helicopter pilot in the Vietnam war after the conflict worked for

zerox Corporation for 5 years in 1977 created his own first company in 1985 he founded an

international financial education company which he then sold in 1994 the year he also

published the best seller rich father poor father and created the cash flow educational game

my poor father who is also my real father he completed his studies brilliantly

he specialized now you are a professor but always had financial problems he said that

the love of money is the root of all evil that money doesn't matter he often said I can't

afford it he encouraged me to study hard to make myself hiring from a good company avoiding

financial risk felt poor and my rich dad said so who is my friend's father

never finished junior high became one of the richest men in hawaii said

lack of money is the basis of all evil and that money is power forbade me to say I

couldn't afford something he urged me to ask myself how can I afford it he encouraged me

to study hard to find a good company to buy learning how to manage risk if

it went through dark times he said it was the green because he thought it was a temporary condition not

a permanent state both were strong charismatic and listened to successes in their jobs that they

always played hard however their advice on money differed significantly having two

fathers forced me to reflect without rejecting on principle the their ideas but trying to figure out

what was best for me the problem is that financial education is not a school subject

there is no subject money Money is a form of power But even more powerful is

financial education I learned Six lessons which I illustrate in this book 1 the rich don't work for money

if you think the employer pays little that it's unfair that you deserve

more pay You actually have a short-sighted point of view You have to realize that you are the problem you can

change you himself learn something and become wiser it is easier to change oneself than others

most people quit to look for a better or better

paid job thinking they actually solve the problem but they don't solve it In fact the poor and the

upper class average people work for money the rich force money to work for them to get to work

for money it's easier especially if you let yourself be dominated by fear of risks but

in this way you remain trapped for life dependent on the employer work forced

into routine Imposed by the company and paying many taxes is a model that is consolidated on the one hand by

the fear of running out of money on the other by greed or the desire to buy things with the

money earned through work and then there gets up every morning goes to work pays

taxes bills etc. i.e. the cycle is work earn work earn hope

that fear will fade This is a life dominated by the two emotions of fear and greed

and seasoned with financial ignorance exists another path taken by a few people

who surrender to the evidence and tell themselves the truth the truth is that that job

sucks and that they are dominated by emotions these people can become really rich

in the broadest sense of the term it is not enough having a lot of money in order to no longer be dominated by

fear you need to change your mentality towards money In fact you shouldn't be

too attached or too detached from money The trick is to be faithful to

your emotions using your brain and feelings to our advantage not against us themselves must

putting emotions into perspective avoiding feelings controlling and guiding impulsive actions

or learning to use emotions to think Do not think dulled by emotion making

money work for us means earning even when we are absent There are so many

ways to do it you have to strive and take action in this sense 2 Why teach the financial abc

the most important thing is not money but education Those who are flexible with an

open mind get rich despite the changes intelligence solves problems and produces money

in the long run it doesn't matter How much money is collected but how much you are able to keep it and for how many

generations you keep it Rule Number 1 which is also the only one is knowing how to distinguish between assets and

liabilities and buying the former the rich buy assets the poor and the middle class buy

liabilities and believing that they are active If you want to get rich You must be able to read and understand the numbers

to do this a simple diagram is constructed called cash flow cash flow at the bottom

two boxes are placed which must be filled in with the items of assets on the left and liabilities on the top

right put two more boxes, one for income, one for expenses, the abc of finance. It's

very simple accounting. assets generate income, liabilities generate expenses

.

With arrows the top So it's a profit and loss account the bottom is

a balance sheet the cash flow of a poor man is the following from work money comes to the

income box from here it goes down to expenses taxes food rent clothing entertainment

transport etc. the cash flow of a middle-class person is this from work money arrives

in the income box from here it goes down to the previous expenses but that's not all in fact

there are also the liabilities the home loan the loans for consumption credit cards

cash flow of a rich person instead of arrows going in an ascending direction has

assets bonds stocks of exchange assets real estate works of art that produce

income such as dividends interest income from rents copyrights for this having more

money is not enough because the cash flow model in the lead will be strengthened, for example

if you have more money and you start living in a bigger house, expenses will also increase and

therefore a change of mentality will be needed. The house is a passive Because it is usually paid with

a thirty-year mortgage which has substantial interest because taxes must be paid on top of it Furthermore, it

does not always grow in value over time it requires an immobilization of capital which perhaps cannot

be used for other investments or is useful due to not always having the water in the throat

The house is not evil Absolute Simply if you want to buy a house first you have to buy

assets that generate the cash flow with which to pay it the summary therefore it is to increase the assets that

generate income and decrease liabilities and expenses and all that is needed getting out of the vicious circle

implies to stop working for the employer for the bank that lends the money and for the

state that collects taxes we can measure wealth in terms of time or let's answer

the question if you stopped working today how long will you be able to survive This it allows us

to evaluate our current position with respect to financial independence For example if I have a

cash flow from my profits of €2000 and expenses of €1000 I will be rich I will not be wealthy yet

But I will be able to survive at this point I will no longer depend on my salary if I want to lead

a more comfortable life I will first increase my exploding Income then I will be able to increase my

expenses 3 take care of your own business if you work all day for someone else you cannot take

care of your own business taking care of your own business means taking care of the column of assets if

you don't do it you try to leave home as soon as possible buy a house keep children

and then it's too late for a decent pension assets are of different types business that do not

require our presence because They are managed by other people actions mutual fund bonds

investment real estate or land that produces income promissory notes payables

copyrights on Inge's works such as music patents screenplays anything that has

value produces income it appreciates and already has a market an example is to invest in

small companies that go public on the stock market the risk is high but it is reduced if you love the

investment sector and if you understand the game in this case my strategy is to hold the shares for a

year and then sell them with real estate instead my strategy is to start with little and

exchange the assets for larger properties thus postponing the payment of taxes on the increase

in income I usually hold the properties for no more than 7 years I do not advise anyone to

start a company if they don't really want to there are burdens and workloads very heavy

as well as enormous risks, therefore it should be done only if it is considered essential for oneself luxury properties

should be bought last when there is already abundant Financial independence 4 the history

of taxes and corporate power historically taxes have never existed first were

passed in England to finance the wars against Napoleon and France from 1799 to 1816 and

in America for the civil war of 1861-1865 the permanent income tax was then

adopted in Great Britain in 1874 and in the United States in 1913 The new regulation passed

only because they made the middle and poor class believe that taxes would only be paid

by the rich. In reality, the rich then learned to pay as little as possible and therefore the two

most oppressed Classes were the other two. For example in the United States There is a law that allows you to

defer the payment of taxes on a property sold in order to obtain a return on capital

by exchanging it for a more expensive property As long as you make exchanges of this type, you avoid

taxes on the profit until liquidation final ,

not taking advantage of these exemptions means missing

an opportunity to increase your asset column beyond the

ECB intelligent

consultants is a basic requirement as well as paying them well also the rule is important with taxes this is

pay them last close to the deadline First I have to pay myself save money then in the

end I pay taxes and bills 5 the rich invent money to create money without work more

financial intelligence is very important on the one hand it is necessary to save money and on the other

to remain attentive and seize opportunities on the fly There are those who are waiting for the perfect opportunity but this

does not exist one must understand good opportunities and seize them in time to do this you need

available money if they are all blocked it is not possible to stand by the window waiting to act

the investments come and go the market goes up and down the economies improve and collapse the world

always offers us exceptional opportunities it is we who do not welcome them it is important to seize and

ride the change not to cling to the past personally my two main means

of getting rich are real estate and share packages the former are my

constant return base the latter are useful for sudden enrichments if the opportunity I see is too

complicated forget it simply use easy calculations and common sense financial intelligence

is used to cut losses and maximize profits there are always losses it is good to take them

into account immediately financial intelligence also allows you to find money that does not come

from banks and therefore they have no interest you work not for the money but to learn

there are many talented excellent prepared people who earn little earn little

because they have not understood How to sell And because they do not know what leadership is it is essential

to learn the skills of which first you need to choose a specific profession and get

trapped the more our job is specific the more it will be difficult to change it and evolve many

people focus on improving in their field but forget to sell and to relate to the

customer so you need to be able to manage three things the cash flow the systems Including The

family system and your own individual system human resources at this point you need to overcome the

main obstacles that are fear cynicism laziness bad habits is arrogance the

fear of loss is overcome with knowledge and by concentrating one's efforts one must put many

eggs in a few baskets cynicism creates a continuous criticism that distances one from objective analysis

one must instead analyze laziness in a rational and clean way one fights with one or more

strong motivations that allow change always through motivation adherence to one's

desires and one's plans one is able to change one's habits for example one can

study entire neighborhoods while goes jogging In this way it will be much easier

when you want to make a real estate investment arrogance often becomes a way to

hide one's ignorance And then the antidote is to know more in a curious and humble way It is

also important choose friends well to be surrounded by constructive people who

resonate positively with us you can also choose one or more heroes to follow and imitate