It is easy to get rich can any of us

Interview with Robert Kiyosaki

Most people do not think much about how to dramatically improve your financial situation and get rich, but it is in their hands, and even if you think, then, as a rule, further reflection is not going.

Sometimes it seems that the rich and wealthy people - are residents of any other planet, and become one of them is absolutely unreal, unthinkable. And it is easy to get rich may be any one of us, says Robert Kiyosaki, author of the acclaimed bestseller "Rich Dad, Poor Dad".

What can parents teach their children the rich and the poor are not taught, and it does not need to rob a bank or otherwise violate the law. It is enough to show financial acumen and in time you can become independent, "People complain about financial difficulties largely because over the years in school, they still did not know about the money.

As a result, people are starting to work for money, but do not know how to make money work for them. "Kiyosaki advocates the systematic accumulation of assets - reserves that generate recurring income, such as real estate and reducing liabilities that bind capital or lead to unnecessary costs.

It calls for financial autonomy, that is, from the employee to turn into an independent investor. And it is not as difficult as it seems, many people simply overestimate the difficulties awaiting them on the road to riches.

All that is needed - the courage, the willingness to take calculated risks and learn new perception of money and its role, the financial savvy.   And most importantly, action. After all, the word entrepreneur comes from the word "take".

Author of the bestseller "Poor Dad, Rich Dad" and its sequel "CASHFLOW Quadrant" in his own words, "neuspokaivayuschayasya person", a man who does not throw words to the wind.

No wonder Kiyosaki called "motivational speaker" - after reading his book "Rich Dad, Poor Dad," many readers begin to think about the important, but unjustly underrated part of his life as finance.

It's not that his advice differ radically from that recommended other well-known financial advisors: Enter your own business, protect your capital, create a smart investment base. Here is how he puts it.

The poor and the rich, says Kiyosaki, radically different understanding of the financial value, they pass on to their children. The poor and the middle class is taught outlook belonging to the Industrial Age, not the Information Age.

Here is an example from personal experience:

my classmate was very excited when I read the book "Rich Dad, Poor Dad" couple of years ago, he did take notes some of its chapters. Today, he is not an employee: connecting comrade, he opened his own business, which is developing rapidly, my friend is quite happy with life.

In his remarks, those of his friends who appreciated the book, as a rule, in life prospered financially, but just did not like it for those who do not know how to manage money. Robert Kiyosaki, his wife Kim and Sharon Lechter founded the company, which manufactures a variety of products for boosting its central concept.

In particular, the three board games according to the "Monopoly" (the Russian equivalent is called the "Manager"): "Cashflow 101", "Cashflow 202" and "Cashflow for Kids" with virtual counterparts. They are familiar with basic financial strategies. This training seminars. This audio books and lectures.

It is also 18 books, which have been sold more than 26 million copies. They are written Kiyosaki personally or in collaboration with Sharon Lechter and even Donald Trump. By the way, three of them - "Rich Dad, Poor Dad," "CASHFLOW Quadrant" and "Investment Guide Rich Dad" - both included in the top ten in the book rankings such leading publications as The Wall Street Journal, USA Today and the New York Times.

However, Kiyosaki has been repeatedly criticized. There is no evidence that he was a successful investor base to its current company Cashflow Industries Ltd. It is possible fixed assets brought him activity of this company.

The largest and most consistent of his critics - John T. Reed, one of the leading players in the real estate market, has released a series of his books addressed to the novice investors - accuses Kiyosaki that the advice he gives in his books, vague and unspecific . Moreover, they are often dangerous.

For example, the author of "Rich Dad, Poor Dad" recommends doing some thorough deposits rather than to diversify their capital, thus reducing the risk of major losses to a minimum.

However, that his advice is suitable only very sophisticated investors. But most of all is his rejection of objections to the school, which he considers unnecessary for the future well-being of children, and it is here that he take up arms against almost everything.

Thus, the concept of Kiyosaki is critical to treat as a special kind of philosophy of life, but not a new religion, that is, do not blindly follow everyone's advice, and carefully weigh the risks.

His books - it's not automotive road atlas, and only compass that determines the overall direction of the path.

The rationale of his ideas is that each person can change his fate, and indeed it is important to seriously treat their finances and strive for financial stability and independence.

We met with Robert Kiyosaki, and he was happy to tell us about your plans for the future.

- What is your main message to the public?

-Vazhnost Financial education, because it is not taught in school. For some reason, many people do not realize how important it is to start from childhood to teach children to manage money, the majority of people there are some primeval notion on this. Well, that money are evil, for example. Yes, it happens sometimes.

Because whenever I start talking about money, getting back some emotional resonance. I would argue that rich or poor, smart or stupid, we all use money. Even poor and they use them, what can we say about the rich, so that this topic unites us all. And I can not understand why I so often have to teach people the basics of finance.

- We know that you are a good teacher, and in your book you say that modern schooling harms the children because it teaches them to handle money. You would not want to open a chain of time their school or, at least, courses for children, to give them the proper financial education?

- Let me first clarify its position. School education is important, but many do not like to go to school. And in the United States studying at the school is very expensive. In addition, it defines a school, you are stupid or clever. I never thought that a teacher once in a special smart. Who are they to tell me who is smart and who is stupid?

So my thought is - if you have a choice, you will become rich, the poor or the middle class, it should be determined not by whether you go to school and how. If you want to become a doctor, a lawyer or an accountant, you should go to school.

Habits of Millionaires

Millionaires novice - a curious phenomenon, not only in Russia but also in the United States. In our country everything today's dollar millionaires made a fortune for yourself. But in the US, this category of millionaires is sizable 80%, and only about 20% of the rich got millions in inheritance.

And this is a ground for comparisons, assessments and conclusions. In Russia and the United States to the millionaires are very different. The former Soviet Union the main source of information about millionaires are jokes about the "new Russian", the materials of criminal cases, strongly compromising and beautiful stories in expensive journals about how you can spend with a glamor do not know who had taken the money from.

None of these sources is not able to raise the level of respect for millionaires. Or help someone else get richer. Meanwhile, the "new American millionaires" were the subject of a completely pragmatic research. An important American principle: if you know someone with money, do not be envious and do not conflict with it. Better yet, try to make yourself, for example, to sell something richer.

That's why companies seeking to conduct focused marketing to the most well-off strata of American society, pay for a detailed study of the behavior and habits of American millionaires. After many years of studying American millionaires two researchers - Thomas Stanley and William Danko - in 1996 we published the results of their research. Their book "Your neighbor - a millionaire" became an instant bestseller and remains so for many years.

Circulation found difficult. But, for example, the Google search engine produces 59 thousand references to the exact title of this book. Despite the relatively long time that has passed since the release, this book is, in my opinion, is one of the most instructive and perhaps practical for Russian entrepreneurs.

The ideas expressed in this book could change the style of behavior of many Russian millionaires, lead to a large number of new millionaires, to change the attitude of the rich people in general. And perhaps even become a factor in additional economic growth. Provided that the book would have been accessible to a wide Russian reader.

In the meantime, use the genre of review (though in the full sense of the word, and this article is not any). It seems that the authors are aware of the average American millionaire everything. How old is he, where he works as he had a marriage, how often he makes gifts, where he lives and how to rest, how much is spent on all kinds of goods and services.

In principle, one would expect that such items may be of interest only to trading companies. After all, most of us (and most Americans) in the head has its own image of a millionaire, statistical clarification of details which do not seem fun.

Indeed, the typical image of a millionaire in the mass consciousness formed something like a millionaire - is someone who spends a lot of lives beautifully, often scrolls through all sorts of machinations. But most importantly, all the millionaires live some special and "isolated" life. However, no matter what we think about American millionaires, most likely wrong.

Interesting also mentioned the book is not that surprised by some new or piquant details from the life of millionaires, but that looks almost ... a practical guide for the layman. It read for business people, but not for fans of "strawberries". Exact details about the habits of millionaires interest primarily to those who would like to understand how to become richer.

It's one thing to read the general reasoning that "we must be diligent" or "lean and do not overspend." It's quite another - to operate with details and facts that may be useful to everyone. And if you do not turn you into a millionaire automatically, at least, it can help to get richer.

Behavior millionaires

One cited in the above publication entirely metaphorical stories for the book. Its authors, two Doctors of Science - T. Stanley and William Danko received the money for the study habits of millionaires and including interviews with them.

And researchers have begun to invite a small group of millionaires in the prestigious halls to discuss their habits and consumer preferences. At these meetings, the millionaires of the soul fed. Yes, and the participation fee of $ 100-250 for the meeting!

The first meeting was held in one of the luxurious halls of New York, where they invited a group of nine respondents, the personal status of each of which is at least $ 10 million. In order not to hurt the delicate feelings of millionaires, hired keyternuyu company (organizing power "on the road"), which provided snacks and drinks - of course, chose the best vintage wines!

The first arrivals appeared the owner insanely expensive real estate in New York, a millionaire in the first generation - 69 years. In a bid to try a glass of expensive wine (Bordeaux 1970), he immediately replied: "I only drink scotch and two beers: Budweiser and free." One way or another, but by the end of the event, to the complete surprise of the organizers, it was found that the luxury food and fine wines remain intact.

Millionaires also beat on the most simple foods and beverages. Of course, the expensive dishes and drinking are not lost - they used the organizers of the study who understood a lot about the food. But, as a melancholy note the authors of the book, no one who valued the food was not a millionaire. Later, at such events we were served the usual sandwiches, coffee, beer and scotch.

This story perfectly illustrates the main theme of the book: American millionaires to anecdotal economical and not picky. And they do not think about how to "live well", but about how to live without the need for lifelong learning.

Conclusion: The rich people do not need to show off their wealth. After all, they already know that rich!

Meanwhile, the "look respectable" struggling to people who have a lot of money there. But who would very much like to look prosperous. However demonstrative spending on "rich life", in turn, reduces the likelihood of accumulating wealth. And certainly do not contribute to its increase.

How to remember the authors, often in meetings with the most millionaires in expensive suits were dressed just consultants who live on wages and not invited to the rich. Suitable anecdote: a prosperous venture to produce diesel engines in Texas is going to buy a large British company.

When the delegation arrived at the plant, the first visitors took the owner ... of a truck driver. Apparently unconcerned ostentation Texan strictly followed the popular saying in the state, perfectly characterizes those who looks respectable, but it has nothing to his name: "Big hat, but there is no herd" (big hat, no cattle).

Home habit of millionaires

As long-term studies of the habits of American millionaires, the main principle is to save them.

The information in the book statistics show that half of the millionaires had never paid more than $ 399 for a suit, $ 140 for a pair of shoes and $ 235 for the watch. The same statistics reveals in detail the cost structure of American millionaires.

So, the most economical of them (and there are about 10%) had never spent more than $ 195 for a suit, $ 73 on a pair of shoes and $ 47 in the wristwatch. More study author and a car park at the disposal of the millionaires. It turned out that 50% of them bought a car last not more than $ 24,800. And never buy a car for more than $ 29,000.

Meanwhile, 20% of millionaires have never bought a car more than $ 20,000. A large part of the millionaire leads a fairly traditional machine is not prestigious, and more than a third of millionaires are experiencing a steady craving for used cars.

The authors say: all this curious statistics somehow does not make sensations and does not get into the press, which in the meantime loves exotic stories about some Don King, sports managers, who in one trip to the store bought 110 pairs of shoes, spending $ 64,000. Such scenes instantly become public, and in fact it turns out that this is not the dominant style of behavior!

The idea that all the polls American millionaires live sort of a beautiful life, and nothing does not deny - not that other, as the ideological platform on which to build your company's business, selling expensive goods, and thus, all the forces trying to prove that their products definitely need to acquire in order to "fit in."

Image littering money millionaires - no more than a marketing trick designed to make the man in the street to pay for expensive items, justifying these costs "correct" way of life.

By the way, in order not to offend the millionaires take suggestions owed them money for the interview, the researchers offered them the opportunity to make these funds to charities specified by the millionaires. However, the typical response was: "What is your favorite charity - it was me!"

Finally, the main principle of wealth advocated by the majority of millionaires is this: regardless of the size of earnings, costs should always be less than the revenues.

Why they are modest

Millionaires in the US relative to many. 3, 5% of households (families) own a personal fortune of more than $ 1 million. And, as noted above, more than 80% of them are first-generation millionaires. Yet why millionaires are frugal?

Most "new" millionaires make the state in the most traditional, and not necessarily the most prestigious industries. Business premises cleaning. Repair of buildings. Men at work. Veterinary Medicine. Taxi and passenger transportation ... These people are not necessarily expensive dress and driving around in luxury cars. And sometimes it is simply bad, unless treated disregard to what you think of your employees.