Ngafunda i-Rich Dad Poor Dad ka-Robert Kiyosaki ekuqaleni kwawo-2000, lapho isivele iyincwadi edumile kodwa ingakabi yileso senzakalo somhlaba wonke esaba yiso kamuva.
Ngayifunda njengomeluleki wezimali obhalisiwe, ngokufisa ukwazi kwalowo ofuna zonke izindlela ezingaba khona zokubuka into eyodwa.
Futhi leyo ncwadi yangishiyela izinto ezimbili: eyodwa engayigcina, neyodwa engayishiya endleleni.
Into engayigcina ingumbono olula, kodwa kulowo ongazange afunde ukubhalwa kwezimali, unamandla amakhulu: akukho konke okuphethe wena okulinganayo.
Ezinye zezinto ozinawo zifaka imali ephaketheni lakho — ifulethi olihaya, isabelo esikhokha izinzuzo, ibhizinisi elikhiqiza inzuzo.
Ezinye izinto ozinawo zikhipha imali ephaketheni lakho, inyanga ngenyanga — imoto, indlu ohlala kuyo, izingubo, isikebhe.
Iningi labantu, kuze kufike lapho befunda ikhasi elethula lo mehluko, abazange bakucabange ngale ndlela. Bacabanga kuphela "nginale mali ebhange" nokuthi "nginendlu yami". Abakwenzi umehluko. Abayiboni inkambo.
UKiyosaki wenza lo mehluko waduma njengabantu abambalwa emhlabeni. Futhi siyambonga ngalokho.
Into engayishiya endleleni ingumhlobo akwenza ngawo uKiyosaki ekuthengiseni lo mbono emhlabeni, nakho konke akufaka phezu kwakho eminyakeni elandelayo.
Ku-Cashfulness sakha into esuka embonweni ofanayo, kodwa ehamba ngenkambo ehlukile.
Kule athikili ngifuna ukuchazela wena lapho sisondelana khona noKiyosaki, nalapho sihlukana khona naye.
Yini uKiyosaki ayibona kahle
Ukuze kube nobulungiswa kumbhali othengise izigidi ezingaphezu kwamashumi amane zamakhophi, kufanele siqale kulokho akubona kahle.
Zintathu okungenani.
Wephula isiko lebhalansi engaguquki.
Kwaminyaka amaningi, abantu babebona impilo yabo yezimali ngokubheka ibhalansi ye-akhawunti yasebhange.
UKiyosaki wasiza ukushintsha lokho kunaka ku-nto edinamikile: yini le mpahla yakho eyikhiqizayo, nokuthi ikubiza malini.
Kuwukuguqula umbono okushintsha konke. Hhayi ukuthi wenani kangakanani, kodwa ukuthi uya ngaphi.
Wachitha isibalo esithi "indlu enguwe = utshalomali".
Kwisiko lezinhlangano eziningi zekhulunyaka lama-20, ukuthenga indlu kwakuwutshalomali ngokuzenzakalelayo.
UKiyosaki wabhala ngokucacile, ngezibonelo ezilula, ukuthi indlu ohlala kuyo — inqobo nje uhlala kuyo, ukhokha imali yesikweletu, ukhokha intela nokugcinwa — ayikufaki imali ephaketheni lakho.
Kuwukukhethwa kwempilo, mhlawumbe okulungile, kodwa akulona impahla ekhiqizayo ngendlela eqondile.
Kule ngxenye uCashfulness uyavuma ngokuphelele, futhi sikhulume ngokugcwele kuathikili ezinikelwe ku-Asset+ ne-Asset− kule bhulogi.
Wakhuthaza ukucabanga ngokuzimela emalini yomsebenzi kuphela.
Umbono wokuthi imali-mboni yakho ingasebenzela thina njengoba nathi sisebenzela yona, ngokuhamba kwesikhathi, ngumbono okhululayo.
UCashfulness wabelana ngalo mbono, futhi uwubeka embili wombono wekuzimela kwezimali: ukuba ne-Asset+ eyanele ukumboza izindleko zakho ezijwayelekile.
Kulezi zinto ezintathu, simcebo ngaye. Iphuzu. Ngaphandle kwempikiswano.
Yini uKiyosaki ayeyeqisile (noma ayenza kabi)
Lokho kushiwo, "iphakheji likaKiyosaki" alipheleli ezinsizeni ezintathu ezingenhla.
Empeleni, iningi lalokho okwaphuma encwadini eminyakeni engamashumi amabili kamuva liya ngenkambo esingafuni ukuyilandela.
Ukuhlasela njengendlela.
UKiyosaki wakha iningi lezimiseko zakhe esakhiweni sezitha: uhlelo lwesikole olwenza uxhomeke, u-"Poor Dad" oyibaba ompofu ongafanele ulingiswe, abeluleki bezimali abazama ukukukhwabanisa, izisebenzi eziyi"zigqila" ze-rat race.
Kuwuhlobo lokukhuluma oluhlukanisayo. Kusebenza ukuthengisa izincwadi.
Akusebenzi ukwakha ukuzola.
Ku-Cashfulness asakhi izitha. Alikho uhlelo "olubi" oluqhathaniswa nendlela "esindisayo". Kukhona kuphela isithombe esididekile okumele sicaciswe, akukho okunye.
Izindawo eziqhamuka njengenkolo.
Eminyakeni elandela incwadi, uKiyosaki wagxila kakhulu ku-mkhuba oqondile kakhulu: ukuthenga izindawo ezithengisela abanye, kungaba ngcono ngokuboleka (isikweletu), njengendlela enkulu eya ekuzimeleni.
Ku-Cashfulness asinqumi noyiphi ihlelo elithile lempahla.
I-Asset+ ingaba izindawo, kodwa nemikhawulo yezimali, ama-ETF, amabhondi akhokha izinzuzo, izinzuzo, ukubamba iqhaza emabhizinisini, imisebenzi yengqondo ekhiqiza imali yamalungelo.
Ukuthi yiluphi uhlanganiso oluyilo kuwena kuncike empilweni yakho, ubuntu bakho, izwe ohlala kulo, isikhathi somlando, ubudala bakho.
UCashfulness akanayo impendulo eyodwa ngoba umbuzo awunayo impendulo eyodwa.
Isithembiso somcebo.
Isiqondiso esifihlekile sikaKiyosaki simuphi kule: "uyokuba ngumcebi uma ulandela le ndlela".
UCashfulness akathembisi umcebo.
Umcebo yigama elingacacile futhi elinesisindo samasiko, futhi thina asithengisi amaphupho.
Sithembisa ukucaca, futhi kusukela lapho, ukukhetha ngokwakho, futhi izinqumo zakho yizo eziyonqumela ukuthi uyoba yini.
UCashfulness uyithuluzi, hhayi umphumela.
I-FIRE nokuphuma ku-rat race.
Ingxenye enkulu yenhlangano ye-FIRE — Financial Independence, Retire Early — inezimpande esitatimendeni sikaKiyosaki. Umbono wokuthi umgomo wokugcina ukuyeka umsebenzi ngokushesha okukhulu.
UCashfulness akaphikisani nokuzimela kwezimali. Njengoba ngishilo, siyibeka embili.
Kodwa inkululeko esifuna ukukusiza uyakhe akuyona ukubaleka: yisikhetho.
Uma ufinyelela lapho i-Asset+ yakho imboze izindleko zakho ezijwayelekile, ukhululekile. Kusukela lapho ungayeka ukusebenza.
Abaningi baqhubeka ngokukhetha, ngoba umsebenzi uyabondla noma ngoba kukhona umsebenzi abafuna ukuwuqedela. Abanye bayancishisa isivinini. Abanye bashintsha umsebenzi. Abanye bazinikela emndenini, kubazukulu, ekuthandeni okuthile, enhlanganweni yobuvolontiya.
Inkululeko iwukukwazi ukukhetha. Hhayi imfanelo yokubaleka.
Iphimbo lomholi.
Eminyakeni eyishumi nanhlanu edlule uKiyosaki uphenduke ubuso bezindaba obuthengisa izifundo ezibiza izinkulungwane zama-euro, ekhulula ukubikezela okubhubhisayo mayelana nezimakethe, ekhombisa isitayela sika-guru.
Akusona isitayela sethu, akusona umsebenzi wethu, akubona uphawu lwethu.
UCashfulness ufuna wena njengomuntu omdala oqaphelayo, hhayi njengomfundi.
Amagama ahlukile, injini eqinile kakhudlwana
Kukhona nomehluko wobuchwepheshe okufanele siwuqaphele ngokufushane.
UKiyosaki usebenzisa umbhangqwana asset / liability: izigaba ezimbili ezingezona ezinye, ezenziwe lula.
UCashfulness usebenzisa i-Asset+ ne-Asset− — amagama alinganiselwe, futhi ngaphezu kwakho konke eyeyeme phezu kohlelo oluphelele lwe-ukubhalwa kwezimali okuphindwe kabili, ubuchwepheshe obufanayo amabhizinisi asebenzise okwamakhulu ayisithupha eminyaka ukugcina amabhalansi abo.
Umehluko awuwona wamagama kuphela.
Ukubhalwa kwezimali okuphindwe kabili kukhombisa hhayi kuphela ukuthi uphetheni futhi ukweletani, kodwa nokuthi izimpumelelo zihamba kanjani ngesikhathi, futhi kukuvumela ubone impilo yezimali ngezigaba ezine ezihlukene (Amasabelo, Izikweletu, Izindleko, Imali engenayo) esikhundleni sezimbili.
Isakhiwo siqinile kakhulu. Sikuxoxile lokhu kuathikili emayelana nokubhalwa kwezimali okuphindwe kabili kwabangesibo abaqondisi bezimali, kule bhulogi.
Futhi uzothola kuchazwe ngendlela esebenzayo, ngezibonelo nange-GNUCash njengethuluzi lokufundisa, encwadini engayibhala — Strategie per la Finanza Personale, etholakala ku-Amazon. Yincwadi engangifisa sengathi ngangiyithola, eminyakeni engamashumi amabili edlule, ngemva kokufunda uKiyosaki.
Ngobani uCashfulness, uma ufunde uKiyosaki
Kukhona umuntu owafunda i-Rich Dad Poor Dad futhi wathola kuyo okuthile okuhle — umehluko we-asset/liability waba yingxenye yendlela acabanga ngayo ngemali.
Kodwa wazama futhi ukukusebenzisa ngokulandela umbhalo ohlongoziwe umbhali — izifundo, izindawo ezithengisela abanye ngokuboleka okuhlaselayo, umbono wokuthi kudingeka "aphume ku-rat race" phakathi neminyaka embalwa — futhi wagcina ekhathazekile, esingcupheni, enempilo yezimali eyinkimbinkimbi kunangaphambili futhi engazolile njengoba wayethemba.
Noma wafunda incwadi, waqonda iphuzu, kodwa wama lapho ngoba okunye kwephakheji — iphimbo, isiphuthumo, ukuzigqaja — kwakungeyona okwakhe.
Kulo muntu uCashfulness usiphakamiso sokuguquka okuzolile.
Umbono ofanayo wokuqala, isakhiwo esiqine kakhulu, amagama ahlonipha, akukho sithembiso somcebo, akukho ukushesha "ukuphuma ku-rat race", akukho guru esiteji.
Kukhona indlela. Isetshenziswa ngokuzola. Isebenza ngokuhamba kwesikhathi, hhayi ezinsukwini ezingamashumi amathathu ngemva komhlangano wokufunda.
Futhi uma ungakaze umfunde uKiyosaki kodwa uphelele kule athikili ngenye indlela, akulusizi.
Akukho lutho lwalokho esikushoyo lapha oluncike ekufundeni kwakho uKiyosaki. Umehluko phakathi kwe-Asset+ ne-Asset− uzokuthola ulandiswa ngendlela yalo, ngaphakathi kuCashfulness, ngaphandle kokuba nesidingo sokudlula ku-Rich Dad.
Ngamafuphi
Izinto ezintathu, eyodwa phezu kwenye, ukuvala.
UKiyosaki wenza umbono obalulekile waduma. Siyakuvuma ngokusobala.
UKiyosaki wakha phezu kwalowo mbono indlela, iphimbo nesithembiso esingasabelani nakho. Sikusho ngokusobala.
UCashfulness uphakamisa ukuguquka okuzolile kombono ofanayo, ngaphandle kwempikiswano nangaphandle kokusekela, ngokususelwa kuhlelo lwezimali oluqinile (ukubhalwa kwezimali okuphindwe kabili) nakusithembiso esilinganiselwe kakhudlwana (ukucaca, hhayi umcebo).
Uma ungumuntu wokuqala engimchazile — obefunde uKiyosaki futhi wathola kuye okuthile, kodwa engazizweli ekuhlaseleni — uCashfulness cishe uyindawo yakho.
Sikulinde ohlwini lokulinda lwe-beta ku-cashfulness.com/beta.
Uma kunalokho ungumlandeli oqiniseke ngendlela yakudala kaKiyosaki — izifundo, izindawo eziqhamuka ezihlaselayo, i-FIRE njengomgomo omkhulu — awuyikuzizwa ukhululekile ku-Cashfulness, futhi kulungile ukuba kunjalo.
Umhlaba mkhulu, kukhona amathuluzi kuwo wonke amasitayela.
UCashfulness wenzelwe labo abafuna ukuzola nendlela ndawonye. Kusuka kulesosakhiwo, yilokho esikwenzayo, futhi yikho kuphela esikwenzayo.
— Vittorio