The book "Rich Dad, Poor Dad" tells the story of Kiyosaki having two dads: "Poor dad" is his biological father, a highly educated education official; "Rich dad" is his good friend's father My father did not graduate from high school but was good at investing and managing money. Now let me share with you my reading experience and insights from Rich Dad Poor Dad. You are welcome to read it.
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Rich Dad Poor Dad’s reading experience 1
I have always wanted to write this article, but because of work The relationship has been stranded. More than a week has passed since I finished reading "Rich Dad, Poor Dad". Looking back on the day I read the book, it happened to be a typhoon and I was trapped for a day without going out. I just spent a whole day reading this book in one go. In the past year or so, apart from reading books related to yoga, I have rarely been involved in other fields. Some time ago, I decided to read this children's book after a friend recommended it. It was really not easy!
Robert T. Kiyosaki is one of the authors. He used his own personal experience to tell how rich people teach their children about money. These seemingly common sense concepts and knowledge about money are not available to poor and middle-class families. He told stories in a simple and profound way about how rich people get rich. What impressed me the most was how to make money work for us instead of working for money. This requires a different way of thinking, a way of looking at problems, and a way of dealing with problems that are different from ordinary people.
How to understand the relationship between assets and liabilities. It was difficult to understand assets and liabilities at first. The easiest explanation in the book is: "Assets are things that put money into your pocket, and liabilities are things that take money out of your pocket." So when we have such a concept When you are young, you know how to measure when purchasing something, so as to reduce unnecessary expenses and increase your debt. Just like when we buy a house, if the house has been consuming property fees, or if we have to make monthly payments for the house, if it cannot generate economic benefits, I think the house will also become a liability!
< p> I understand it this way, assets are positive numbers, and liabilities are negative numbers. When we buy, if we keep buying positive numbers, we will accumulate more and more, and let the assets generate economic benefits, and the positive numbers will become bigger and bigger; while buying negative numbers will make us bear more and pay more. There will be more, and this is what the book says, "The rich buy assets, and the poor only spend." I think this is the difference in the way of thinking. If you want to change, the first thing to change is the way of thinking.There is another sentence in it that I think impressed me deeply: "Let money become your employee, keep working for us, and obtain more and greater assets!"
In the beginning, we have to work hard for money, and while working, we have to pay attention to our own career, which is also the career mentioned in this book, and that is our own assets. Be a hard-working employee, secure your job, but continue to build your assets. How to build requires methods and practical operations! Everything must be put into action after mastering the methods. This is what Teacher Leiji calls practical practice! It is the same as yoga. Theory alone is useless and must be combined with each other. Use theory to guide practice and use practice to verify theory.
Rich Dad Poor Dad’s Reading Experience 2
The book "Rich Dad, Poor Dad" is a very best-selling and very "alternative" book by the best-selling author Robert Kiyosaki He uses his own personal experience to tell how rich people educate their children about money issues, but these seemingly common sense concepts and knowledge about money are not available to poor and middle-class families. It can be said that the author has revealed the "secret of the rich" in this book.
The author's biological father has obtained degrees from famous American universities such as Stanford University, University of Chicago, and Northwestern University, and has received comprehensive higher education. However, although he had a decent job and a good income, he faced financial difficulties throughout his life. His friend's father dropped out of middle school, but became an optimistic billionaire because of his correct concept of money and his superhuman financial management skills and business talents.
In real life, successful people such as Bill Gates, Foote, and Dell have not received or completed higher education, but they are successful people in real society. This kind of reality does pose challenges to education in countries like the United States that are not shy about money. What exactly do people learn in school? Why do doctors, lawyers and other professionals also face financial difficulties? Why are the poor getting poorer and the rich getting richer? What is the secret of rich people’s financial management? How did they develop?
The author of "Rich Dad, Poor Dad" explains the secrets of the rich in a popular way for the first time. Through his own experience, he confirms the primary concept of financial freedom. At this point, the poor and the middle class There is a huge difference between the rich and the poor: the poor and middle class make themselves work for their money; the rich make their money work for them. On the basis of this point of view, the author further clarifies the definition and relationship of assets and liabilities. The author believes that only property that can continuously earn money for oneself is called an asset, and anything that allows oneself to continuously spend money is called a liability. Although this definition seems simple, it is actually full of life wisdom. In terms of how to deal with the relationship between liabilities and assets, the author uses the concept of financial intelligence to explain the financial management skills and knowledge that everyone should know when facing the rules of the money game.
The secrets of the rich revealed by Robert Kiyosaki are indeed surprising. Since "cash flow" has long been an "old" rule of the game in modern society, why do "modern people" like Americans still Can’t you face it calmly? Many people are even shy and "sad" about it? In fact, the financial intelligence mentioned by the author is possessed by everyone, but many people are shackled by some traditional concepts of money and cannot escape the "cage of thinking." In addition, although you can have a high level of education, you lack some of the most basic financial knowledge. People who have watched "Rich Dad, Poor Dad" can't help but ask themselves: A person can spend decades learning knowledge, why can't he spend a few months or even a few weeks learning to manage money?
There are also many people who attribute financial confusion or lack of money to a lack of knowledge. They always try to find ways to learn more knowledge, get a degree or a certificate, etc. This is another kind of problem. Formal misunderstandings, the author easily breaks this "financial veil" in his comfortable narrative.
Because he used personal experience as evidence, the author broke many misconceptions about financial management. With the global sales of the book "Rich Dad, Poor Dad", many readers have a weak heart when facing money. It can be said that the destruction has caused the biggest impact on people's financial management concepts in the world in the past ten years. Kiyosaki's "Rich Dad" series of products have become a prairie fire around the world.
The world is full of talented poor people. In many cases, the reason they are poor or financially disadvantaged, or earn less than they otherwise could, is not because of what they know but because of what they don't know. They only focus on improving and perfecting the skills of making hamburgers, but not on improving the skills of selling and delivering hamburgers. Maybe McDonald's can't make the best hamburgers, but they can do the best sales and delivery while still making average hamburgers.
We see so many employees who are eager to get promotions and salary increases, so can promotions and salary increases satisfy their desire to realize their dreams? Generally not. If the company cannot meet the requirements for promotion and salary increase, some people may make a move to change jobs, but the situation will still be the same after changing jobs. The end result is often that people with this kind of mentality will not make any essential difference between each other because of the amount of remuneration. On the contrary, those who use thinking instead of greed, distinguish between career and career (working for themselves or working for others), clearly understand Distinguish assets and liabilities (those that can continuously bring income are called assets, and those that cause bills are called liabilities), and only those who seize opportunities decisively can achieve the goal of creating wealth for themselves and society.
Therefore, people in the workplace must give up the idea of ??relying solely on promotions and salary increases to improve their quality of life. Instead, they should think diligently at work and continuously increase their assets.
Rich Dad Poor Dad’s Reading Experience 3
The book is like a bouquet of fragrant flowers. I can smell its fragrance every moment. Its rich fragrance is like The perfume is average, maybe it's the scent of books. Whenever I come into contact with books again and again, I will wander in the ocean of books. Spring, summer, autumn and winter, the four seasons cycle, day and night alternate. In the blink of an eye, it has been more than ten years. I have formed an indissoluble bond with books, and I have read many touching stories in them.
The story of "Rich Dad Poor Dad" is: a rich man and a poor man came together to the pastor to talk about their troubles.
The rich man said that he would never run out of money in his lifetime, and he wanted to hire the best teacher in the world for his son and let him study at home. He hoped that his son could take over the business and inherit the family business. However, 20 years later, his son could not face the real world and did not even dare to leave his room, let alone take over the family business.
The poor man said that his family relied on fishing for a living, and because of poverty, he had no money to send his son to school. So, when he was fishing every day, he let his son sit in the cabin, hoping that his son would rest for a few years when he was young, and then hand over the boat to his son when he was old. However, 20 years later, his son did not know how to cast a net. He felt that it was poverty that prevented his son from receiving an education.
The rich man's child is unhappy and dare not go out to exercise because he has not made any friends. The son of a poor man is because he has never cast a net and never caught a fish with his own hands. If the rich and the poor train and train their sons from an early age, the result will definitely not be like this. The rich man's child will take over the family's huge industry, and the poor man's child will become a skilled fisherman. You can think about how important it is to be independent and self-reliant. After reading "Rich Dad, Poor Dad", I learned that I must learn to live independently from an early age.
Every time I read a book, I will learn profound truths, and books have become my life partners. Books are the starting point of life, books are the street lights of life, books are a flower that never withers, and books are the essence of literature.
Rich Dad Poor Dad Reading Experience 4
Let me briefly introduce this book. The author in the book has two dads. The "poor dad" is his biological father, a tall man. A highly educated education official, his biological father taught him that he should study hard, find a good job, and then make money through work to support himself. The "rich dad" was the father of a good friend of his, a man who did not graduate from high school but was good at investing. , "rich dad" and his "poor dad" have completely different views on money. Rich dad taught him that he should let money work for him and use his financial acumen to make money instead of working for money.
Share some points mentioned in the book.
First of all, we must understand what a liability is and what an asset is.
Assets are divided into the following categories:
A business that can operate normally and bring profits to yourself without the presence of the person can be owned, but operated and managed by others.
Stocks and bonds
***Same as funds (similar to the domestic way of entrusting your own money to professional financial institutions to help you manage your own finances)
Can Income-generating properties
Notes, royalties, music, manuscripts, patents
Anything else of value that generates income or has the potential to increase in value and is marketable.
The middle class relies on fixed salary income to earn wealth. When their income increases, they spend all their savings to buy a house, treating the house as their most important asset, and then spend most of their lives just to pay it back. Working for a mortgage. Rich dad thought this was a liability, because once you spend most of your life buying a house, you will have to work hard and spend most of your income to pay off the mortgage. Your cash is constantly being spent, and this liability will If you lose the opportunity to invest in other assets to bring yourself profits, you may lose the opportunity to receive investment education. Because you have no money, you have no chance to receive more advanced investment education and training courses. This kind of debt will keep you poor.
Assets are things that can bring you a steady stream of income. Assets can be houses, stocks, funds, gold, etc. Assets can bring you rent or income without your own participation. Earnings income. The author takes a house as an example, not to suggest that we buy a house, but to make you understand the difference between assets and liabilities. The author's approach is to invest his own money in assets that can increase income, use the income from the assets to balance his expenses, and then continue to invest money in the assets. When the more money flows into the assets, his assets will It will increase faster and faster, eventually making you richer and richer. The rich buy assets, the poor only spend, and the middle class buys liabilities that they think are assets.
We know that when children learn to ride a bicycle, they always fall at first. Falling is also an indispensable part of learning to ride a bicycle. For strong people, falling will make them more determined to learn to ride a bicycle. confidence. The same is true for everything else. There is nothing that can be mastered immediately without learning at the beginning or without failing at the beginning. The same is true for investing in assets. You will also fail at the beginning. You need to keep learning so that you can master it immediately. Master more knowledge and ultimately make your investment more successful. But there are still many people who are afraid of failure. Because they are afraid of failure and falling, they can only invest in the safest assets with the lowest returns. It's like if you want to fly a plane, you first have to learn how to fly a plane. Understand the principles of aircraft takeoff and landing, master the flying skills, and finally complete the control of the aircraft. The same principle applies to investing. First you have to learn it and understand it. After you can finally master it, you will no longer be afraid of any asset investment.
Change the way you make money
If you are tired of the job you are doing or feel that you are not making enough money, it is simple to change the way you make money. When the author was 26 years old, he attended a weekend seminar on "How to Buy Real Estate in Bankruptcy." After learning the skills, he immediately tried to put them into practice and mastered the skills in the next three years during his business time. Later, he made millions of dollars through this model. Later, the author took advantage of this way of making money and participated in many weekend classes. The author here wants to tell you a truth. If you feel that you have a bottleneck at work, or feel that your current job makes too little money, then go find a weekend class or professional training class to train yourself in work-related skills. After training, Practice it immediately, learn through continuous practice, master it, and improve your salary and income.
Pay yourself
The thinking habit of the poor is generally to use their money after their salary is paid every month to repay mortgages, credit cards, consumer loans, etc., as well as to live. For consumption and other expenses, if there is any surplus, invest it in yourself or invest in your own assets. The thinking of the rich is to first invest money in themselves or their own assets every month, and use the income brought by the assets to spend their own expenses. If the income from the assets is not enough to cover the expenses, then they will have more motivation. Find other ways to make money to cover your expenses.
Invest in yourself
At present, the only thing that can be regarded as a real asset is our own mind. Now only if we continue to invest money in ourselves, will our own assets Bring yourself more and more benefits. Only then can we invest in other assets from the income generated from this. In the long run, no matter whether you invest in any asset, you have to rely on your own mind to make decisions, so focus on investing in yourself.
Spend money to get a bargain
Many people don’t like intermediaries when buying or selling houses. They feel that giving money to an intermediary is a loss and prefer to participate in the sale and purchase of their own houses. This is actually the case. Unwise behavior, take selling a house as an example, if you directly participate in it, you will waste a lot of your time and energy. The tenant will check the house at any time, and you will accompany you at any time, which will waste a lot of your time and opportunities to make money. The United States has the habit of tipping for other people's services. Many people would rather pay a 15%-20% tip for poor restaurant service than pay a 3%-7% commission. The same is true for buying a house. If you participate by yourself, you will waste a lot of time. It is better to spend a little money and let the agent use its own resources and professional knowledge to help you find a more suitable house. Professional people do professional things. Just hand over your requirements and bottom line to the intermediary, and use the saved time and energy to make more money.
Give first, take later
No matter what you do, you must first think of giving, so that you can get rich rewards. Whether it is giving smiles, money, love, or friendship, this is the truth. If you want to get money, you must first give it to others, and then you can get it back exponentially. If you want to learn more knowledge about making money, then tell others first. The way you make money, and then new ideas and brilliant inspirations will pour out. Poor people often think about what they can get in return before doing something, and then consider what others have given. In this way, they often don't get much return, or there is no return at all. There is a story about a person holding firewood sitting on a cold night and shouting at the stove: "Whenever you give me more warmth, I will add more firewood to you." The same principle applies when it comes to heating. When it comes to money, love, sales, or contracts, you should always remember to pay first for the person you want, and then you will get doubled in return. Whenever you say hello to others with a smile, there will suddenly be a lot more around you. As a smiling person, if you are more generous to others, others will be generous to you. Your world is a mirror of you.
God has given each of us the same great gift: thought and time. You can use these two gifts to do whatever you want. Every dollar bill comes into your hands, and only you have the right to decide its future. You can choose to spend it foolishly and become poor; you can Choose to use it on debt and become middle class; you can choose to invest in your mind and learn how to acquire assets, and wealth will become your goal and future. Every day, with every dollar, you make a choice to be rich, poor, or middle class.
Rich Dad Poor Dad Reading Experience 5
"Rich Dad Poor Dad" co-authored by Robert T. Kiyosaki and American entrepreneur and certified public accountant Sharon L. Leicht "The book starts from the individual, analyzes the factors that make the rich become rich, and the reasons why the poor become poor. It proposes a new concept of "financial intelligence" and challenges traditional school education.
As mentioned in the book, our parents studied hard, found a good job in the future, and made a lot of money. To this day, we still think that if we have a stable job and a good income, we can live a good life. I have been thinking about the good old days. Ten years ago, I was earning a few hundred yuan a month. Now I am earning a few thousand yuan a month, but I still have no money. So I always hear people say that those who work can never make a fortune. Sometimes, I would say that if it weren’t for the salary, I wouldn’t do it. It’s ridiculous. I really didn’t know what I wanted at that time.
Most people just hope to find a stable job and earn money steadily after graduation. They rarely have the courage to make money, but they are always in fear of running out of money. Wealth is the ability to support a person's life for how long, or if I stop working today, how long can I live?
Once you enter the society, you will find that with a college diploma and a good Grades are never enough. The more important ones are "courage", "courage", "perseverance", "boldness", "momentum", "shrewdness" and "braveness". "Strong", "talented", etc. are often not taught in universities. The school's curriculum is to teach a person how to be a good employee, and whether there will be better and greater development in the future often depends on the latter.
Money is not a real asset. Money should help you do more things that can create wealth, such as more and more
learning, "building tall buildings from the ground up" to lay a solid foundation for learning and potential development, and tell yourself that everyone has You may have huge wealth, learn divergent thinking that all roads lead to Rome, learn simple financial knowledge, etc.
In fact, the author's two fathers are both strong, charming and have extraordinary influence on others. Poor Dad Rich Dad tells the story of the author's hard journey of learning from his friend Mike's father in order to gain financial freedom. In order to better understand this book, I think we should first understand the author's growth experience and the social background at that time.
The fast pace of modern life is destined to make it impossible for us to live peacefully. Those who run behind life will be at the mercy of life throughout their lives. Only those who plan and arrange life ahead of others can create an ideal life. Concepts determine ideas, and ideas determine the way out. Learn to invest and create wealth, change traditional concepts, learn investment and financial management well, and make your life more exciting and rich.
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