所以我拥有7000个出租物业，这些都是资产。
So I own 7,000 rental properties.Those are assets.
每个月都有现金流进来。
Every month,the cash flows in.
银行给我三亿美元，免税，来购买那些笨蛋输掉的房地产。
The banks give me 300 million dollars,tax-free,to buy real estate that the idiots had lost.
现在如你所知的，对于全世界的中产阶级来说，我们正处在经济危机。
And right now as you know,for the middle class of the world,we're in a crash.
By ROBERT KIYOSAKI.
首先让我们先回到什么是金融教育。
First of all,let's go back to what is finacial education.
不是去找份工作，努力工作，存钱然后把钱投在多元化的投资组合。
It's not get a job,work hard,save money and invest in a well-diversified portfolio,
股票债券，信托基金或ETF上。不是这样的。
stocks bonds,mutual funds and ETFs.That's not it.
你知道的，钱是。。。金融业是这两样东西，债务和税收。
You know,money is.....The financial industry is two things,debt and taxes.
我们却还在告诉孩子去上学，找份工作，努力工作，存钱然后拜托债务。
And we still tell kids to go to school,get a job,work hard,save money and get out of debt.
是谁告诉他们这样做的？那是最荒唐的事情。
Who tells them to do that?That's the most ridiculous thing there is.
书本在开始的第一行说存钱能让你致富。
The book starts and it says line number one saving money will make you rich.
从来不会，你知道的。我们都从小都是这样被教育的。对。
Yeah,and never will,you know that.We were all taught that as a kid.Yeah.
因为他们可以印刷钞票出来，为什么你要用存钱的方式？为什么你要靠工作赚钱？
Because they can print it.Why would you save it and why would you work for it
如果他们印刷的速度比你赚钱的速度还要快。
if they can print it at faster than you can work for it.
第二个问题是，他们不断地降低储蓄利率。
And number two is they keep dropping the interest rates on it.
日本依然在实施着零利率政策。而我是日本人第四代了。
You know,Japan still has zero...zero interest rate policy.And I'm Japanese,fourth generation.
他们都不太明智。对。为什么他们都在印刷了你还在继续存钱？
They're not too bright.Right.Why would you keep saving when they're printing it?
当我住在日本的时候，这就是我所说的恐惧。他们很害怕，
You know,and when I'm in Japan...And that's what I mean by fear.They're so afraid,
因为日本人，虽然他们有非常好的文化，但他们只会顺从指示。
cause the Japanese,they're very good culture,but they do as you're told.
性格非常的顺从。非常顺从。所以他们只会顺从指示。
It's very conformist.Very conformist.So they just do as they are told
然后一味地存钱。他们害怕他们自己可能会犯错。
and then they just save money.They're afraid they might make a mistake.
作为学校里的乖学生，去上学，找份工作。不要犯错！
The good little students in school,go to school,get a job.Don't make mistakes!
对。而这就是学校训练人们做的事情。而这就是学校训练人们做的事情，教你不要犯错。
Right.And that's what shcool conditions people to do,is do not get mistakes.
考取A成绩，出席课堂，完成你的功课
Get an A on the test,show up and do your homework.
不过要成为一名伟大的企业家，投资家和伟大的富人。
But to be a great entrepreneur,an investor and a great rich person.
你必须把错误融入到生活中。
You have to engineer mistakes into your life.
然而军事教育不同于学术教育，
And the military education different than academic education,
我们被教导要试着去犯错。所以每一天
We're taught to make mistakes.You know,so every day
我都会驾驶战斗机，然后我们要关掉引擎练习坠毁。
I'd fly and we had to kill the engine on our aircraft and crash.
所以当一般人遇到金融危机时，他们不知所措。
So what happens to the average person in a finacial crash,they don't know what to do.
现在如你所知的，对于全世界的中产阶级来说，我们正处于在经济危机。
And right now as your know,for the middle class of the world,we're in a crash.
日元、欧元、卢比等货币的购买力全都在下降。
You know,the purchasing power of the yen,the eurp,the rupiah all going down.
人们更加倍努力地工作，而全世界的中央银行都在印刷更多的钞票。
And people are working harder and harder and harder.And the central banks of the world are printing more money.
大部分穷人将债务混淆为资产。
And most poor people confuse assets for liabilities.
他们认为自己的房子是资产。但它其实是债务。没错。
They think their home is an asset.It's an actually a liability.Right.
再一次，这就是为什么 我对会计老师的教导有些意见。
And againt,that's why yelling at the accounting teacher.
资产是个名词，就像一间房子，现金流是个动词。
An asset is a noun,like a house.Cash flow is a verb.
所以要了解它到底是资产还是债务。它需要结合名词和动词。
So to understand if it's an asset a liability.It takes a noun + verb.
所以，如果现金从你的口袋中流出，它是个债务。
So if the cash is flowing out of your pocket.It's a liability.
如果现金流进你的口袋。作为一个动词，它就是资产。
If the cash is flowing into your pocket as a verb,it's an asset.
所以我拥有7000个出租物业，这些都是资产。
So I own 7,000 rental properties.Those are assets.
每个月都会有现金流进来。然而许多人在山上有大房子
Every month,the cash flows in.Whereas many people have a big house on the hill
但他们的现金正在流出。对。他们将越来越穷。
and the cash is flowing out.Right.And they're going broke.
对，这就像是个思维的框架。每个人都可以做跟我相同的事。
Right,it's like frame of mind.Everybody can do the save thing I do.
因为税法可以用于任何人身上。我们不会说，税收只适用于富人。
Cause the tax laws are for everybody.You know,they don't say well the tax are only for the rich.
不对。每个人都可以善用税法。只要你有接收过正确的财务教育。
No.The tax laws are for everybody to use if you have the right finacial education.
麦当劳是在从事房地产业务，虽然他们卖汉堡包，
McDonald's is in the real estate business so they sell hamburgers
但他们购买房地产所以不必缴税。你知道这家伙贝佐斯
but they buy a real estates and pay no taxes.You know this guy Bezos,
他有1600亿美元。他要为1600亿美元缴付多少税金？零。
he has 160 billion dollars.How much tax did he pay on the 160 billion?Zero.
而这些都是合法的。任何人都可以做到。每个人都可以做到。
And that's all legal.Anyone can do it.Everybody could do it.
但大多数人缺乏相关的知识。所以，你总是说这是法律。
But most people lack the education.And so,you always say that is the law.
这法律可以用于每个公民，你可以做到，但大多人都没在做。
The law is true for every citizen,you can do it,but most people just don't do it.
有时候就像你说的，他们没有那方面的教育，因为你必须要有个计划，
Sometimes like you said,they don't have the education,you need to have a plan,
如果你打算去做有风险的事。这并不是风险。
if your're gonna go do risky things.Well,it's not risky.
我的意思是，对我来说，最风险的是找份工作和缴税。
I mean to me,what's risky is having a job and paying taxes.
还有存钱因为他们可以把钱印刷出来。你知道吗？
And saving money,cause they're printing it.You know?
这是最糟糕的事情。这就是为什么我称之为“假钱”，“假老师”。
That's the worst thing of all.And that's why there's fake money,fake teachers.
这些老师从不教你，因为他们根本不会。对。还有“假资产”，
The teachers will never...they don't know.Right.And fake assets，
因为像是华尔街，或者伦敦金融城，或者是雷曼兄弟，或者高盛等等，
because Wall Street or the city of London or Lehman Brothers or Goldman or others,
他们不会告诉你这些。2008年的金融危机之后，银行提供我3亿美元，免税
they're not going to tell you this.After the crash of 2008 the banks gave me
来购买哪些笨蛋输掉的房地产。
300 million dollars,tax-free,to buy real estate that the idiots had lost.
为什么说他们是笨蛋？因为那时房市已经涨得那么高了，为什么你会在市场顶点购买呢？
They were idiots because the prices were so high,why would you buy it at the top of a market?
难道你不懂它会崩盘吗？他们都说“不，不”。
Don't you know that's going to crash? They were all "no,no!".
那是次级贷款，是衍生市场。抵押贷款证券等等的，
That was the subprime,was the derivatives market.The MBS'es and all that stuff,
把价格推动到如此之高。而我们这群人就只是在等待时机。
had driven the price of real estate so high,and the rest of us were just waiting.
当整个市场崩盘时，所有这些房地产都在市场上待售。
And then when the whole thing came crashing down,all this real estate was now available.
而他们需要。。。美联储以及财政部的那些人需要向我们这样的人进场。
And they needed...The Fed and those guys in the Treasury needed guys like us to go in there.
于是华尔街提供我们数亿美元来扫空那些家伙输掉的房地产。
So Wall Street gave us hundreds of millions of dollars to mop up all that real estate these guys had lost.
这很公平，因为每个人都可以做到！对。
Now it's fair because eveybody could do it!Right.
所以当我问一般人“为什么你不使用债务购买？”
So,you know,when I ask the average guy and said "why not you use debt?"
他们根本无法获得贷款。因为他们的信用分数他们的FICO分数糟透了。
They can't even get a loan.Because their scores,their FICO scores are so bad.
对，没错。这就是现今世界正在发生的事情。
Right,right. So that's what's going on in the world today.
假钱、假老师、假资产。学校老师从来不会教你这些，
It's fake money,fake teachers,fase assets.The school teachers will never tell you that,
因为他们不懂。我的穷爸爸从来不懂这些。他们认为富人都是骗子。
because they don't know it.My poor dad never knew that.And they think the rich are crooks.
富人只是善用法律。规则都是一样的。但你必须顺从着政府的意向。
The rich just play by different laws.The rules are the same.But you have to do what the government wants you to do.