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Audio Books - Robert Kiyosaki - Rich Dad, Poor Dad (Full Audio Book 3hours).mp3

1. CHAPTER ONE
Rich Dad, Poor Dad
As narrated by Robert Kiyosaki



I had two fathers, a rich one and a poor one. One was highly educated and intelligent; he had a
Ph.D. and completed four years of undergraduate work in less than two years. He then went on to
Stanford University, the University of Chicago, and Northwestern University to do his advanced
studies, all on full financial scholarships. The other father never finished the eighth grade.
Both men were successful in their careers, working hard all their lives. Both earned substantial
incomes. Yet one struggled financially all his life. The other would become one of the richest men in
Hawaii. One died leaving tens of millions of dollars to his family, charities and his church. The other
left bills to be paid.
Both men were strong, charismatic and influential. Both men offered me advice, but they did not
advise the same things. Both men believed strongly in education but did not recommend the same
course of study.
If I had had only one dad, I would have had to accept or reject his advice. Having two dads
advising me offered me the choice of contrasting points of view; one of a rich man and one of a poor
man.
Instead of simply accepting or rejecting one or the other, I found myself thinking more, comparing
and then choosing for myself.
The problem was, the rich man was not rich yet and the poor man not yet poor. Both were just
starting out on their careers, and both were struggling with money and families. But they had very
different points of view about the subject of money.
For example, one dad would say, “The love of money is the root of all evil.” The other, “The lack
of money is the root of all evil.”
As a young boy, having two strong fathers both influencing me was difficult. I wanted to be a
good son and listen, but the two fathers did not say the same things. The contrast in their points of
view, particularly where money was concerned, was so extreme that I grew curious and intrigued. I
began to start thinking for long periods of time about what each was saying.
Much of my private time was spent reflecting, asking myself questions such as, “Why does he
say that?” and then asking the same question of the other dad’s statement. It would have been much
easier to simply say, “Yeah, he’s right. I agree with that.” Or to simply reject the point of view by
saying, “The old man doesn’t know what he’s talking about.” Instead, having two dads whom I loved
forced me to think and ultimately choose a way of thinking for myself. As a process, choosing for
myself turned out to be much more valuable in the long run, rather than simply accepting or rejecting
a single point of view.
One of the reasons the rich get richer, the poor get poorer, and the middle class struggles in debt
is because the subject of money is taught at home, not in school. Most of us learn about money from
our parents. So what can a poor parent tell their child about money? They simply say “Stay in school
and study hard.” The child may graduate with excellent grades but with a poor person’s financial
programming and mind-set. It was learned while the child was young.
Money is not taught in schools. Schools focus on scholastic and professional skills, but not on
financial skills. This explains how smart bankers, doctors and accountants who earned excellent
grades in school may still struggle financially all of their lives. Our staggering national debt is due in
large part to highly educated politicians and government officials making financial decisions with little
or no training on the subject of money.
I often look ahead to the new millennium and wonder what will happen when we have millions of
people who will need financial and medical assistance. They will be dependent on their families or
the government for financial support. What will happen when Medicare and Social Security run out of
money? How will a nation survive if teaching children about money continues to be left to parentsmost
of whom will be, or already are, poor?
Because I had two influential fathers, I learned from both of them. I had to think about each dad’s
advice, and in doing so, I gained valuable insight into the power and effect of one’s thoughts on
one’s life. For example, one dad had a habit of saying, “I can’t afford it.” The other dad forbade those
words to be used. He insisted I say, “How can I afford it?” One is a statement, and the other is a
question. One lets you off the hook, and the other forces you to think. My soon-to-be-rich dad would
explain that by automatically saying the words “I can’t afford it,” your brain stops working. By asking
the question “How can I afford it?” your brain is put to work. He did not mean buy everything you
wanted. He was fanatical about exercising your mind, the most powerful computer in the world. “My
brain gets stronger every day because I exercise it. The stronger it gets, the more money I can
make.” He believed that automatically saying “I can’t afford it” was a sign of mental laziness.
Although both dads worked hard, I noticed that one dad had a habit of putting his brain to sleep
when it came to money matters, and the other had a habit of exercising his brain. The long-term
result was that one dad grew stronger financially and the other grew weaker. It is not much different
from a person who goes to the gym to exercise on a regular basis versus someone who sits on the
couch watching television. Proper physical exercise increases your chances for health, and proper
mental exercise increases your chances for wealth. Laziness decreases both health and wealth.
My two dads had opposing attitudes in thought. One dad thought that the rich should pay more in
taxes to take care of those less fortunate. The other said, “Taxes punish those who produce and
reward those who don’t produce.”
One dad recommended, “Study hard so you can find a good company to work for.” The other
recommended, “Study hard so you can find a good company to buy.”
One dad said, “The reason I’m not rich is because I have you kids.” The other said, “The reason I
must be rich is because I have you kids.”
One encouraged talking about money and business at the dinner ,table. The other forbade the
subject of money to be discussed over a meal.
One said, “When it comes to money, play it safe, don’t take risks.” The other said, “Learn to
manage risk.”
One believed, “Our home is our largest investment and our greatest asset.” The other believed,
“My house is a liability, and if your house is your largest investment, you’re in trouble.”
Both dads paid their bills on time, yet one paid his bills first while the other paid his bills last.
One dad believed in a company or the government taking care of you and your needs. He was
always concerned about pay raises, retirement plans, medical benefits, sick leave, vacation days
and other perks. He was impressed with two of his uncles who joined the military and earned a
retirement and entitlement package for life after twenty years of active service. He loved the idea of
medical benefits and PX privileges the military provided its retirees. He also loved the tenure system
available through the university. The idea of job protection for life and job benefits seemed more
important, at times, than the job. He would often say, “I’ve worked hard for the government, and I’m
entitled to these benefits.”
The other believed in total financial self-reliance. He spoke out against the “entitlement” mentality
and how it was creating weak and financially needy people. He was emphatic about being financially
competent.
One dad struggled to save a few dollars. The other simply created investments.
One dad taught me how to write an impressive resume so I could find a good job. The other
taught me how to write strong business and financial plans so I could create jobs.
Being a product of two strong dads allowed me the luxury of observing the effects different
thoughts have on one’s life. I noticed that people really do shape their life through their thoughts.
For example, my poor dad always said, “I’ll never be rich.” And that prophesy became reality. My
rich dad, on the other hand, always referred to himself as rich. He would say things like, “I’m a rich
man, and rich people don’t do this.” Even when he was flat broke after a major financial setback, he
continued to refer to himself as a rich man. He would cover himself by saying, “There is a difference
between being poor and being broke. - Broke is temporary, and poor is eternal.”
My poor dad would also say, “I’m not interested in money,” or “Money doesn’t matter.” My rich
dad always said, “Money is power.”
The power of our thoughts may never be measured or appreciated, but it became obvious to me
as a young boy to be aware of my thoughts and how I expressed myself. I noticed that my poor dad
was poor not because of the amount of money he earned, which was significant, but because of his
thoughts and actions. As a young boy, having two fathers, I became acutely aware of being careful
which thoughts I chose to adopt as my own. Whom should I listen to - my rich dad or my poor dad?
Although both men had tremendous respect for education and learning, they disagreed in what
they thought was important to learn. One wanted me to study hard, earn a degree and get a good
job to work for money. He wanted me to study to become a professional, an attorney or an
accountant or to go to business school for my MBA. The other encouraged me to study to be rich, to
understand how money works and to learn how to have it work for me. “I don’t work for money!”
were words he would repeat over and over, “Money works for me!”
At the age of 9, I decided to listen to and learn from my rich dad about money. In doing so, I
chose not to listen to my poor dad, even though he was the one with all the college degrees.
A Lesson From Robert Frost
Robert Frost is my favorite poet. Although I love many of his poems, my favorite is The Road Not
Taken. I use its lesson almost daily:
The Road Not Taken
Two roads diverged in a yellow wood, And sorry I could not travel both And be one traveler, long I
stood And looked down one as far as I could To where it bent in the undergrowth;
Then took the other, as just as fair, And having perhaps the better claim, Because it was grassy
and wanted wear Though as for that the passing there Had worn them really about the same.
And both that morning equally lay In leaves no step had trodden black. Oh, I kept the first for
another day! Yet knowing how way leads onto way, I doubted if I should ever come back.
I shall be telling this with a sigh Somewhere ages and ages hence; Two roads diverged in a
wood, and I took the one less traveled by, And that has made all the difference.
Robert Frost (1916)
And that made all the difference.
Over the years, I have often reflected upon Robert Frost’s poem. Choosing not to listen to my
highly educated dad’s advice and attitude about money was a painful decision, but it was a decision
that shaped the rest of my life.
Once I made up my mind whom to listen to, my education about money began. My rich dad
taught me over a period of 30 years, until I was age 39. He stopped once he realized that I knew
and fully understood what he had been trying to drum into my often thick skull.
Money is one form of power. But what is more powerful is financial education. Money comes and
goes, but if you have the education about how money works, you gain power over it and can begin
building wealth. The reason positive thinking alone does not work is because most people went to
school and never learned how money works, so they spend their lives working for money.
Because I was only 9 years old when I started, the lessons my rich dad taught me were simple.
And when it was all said and done, there were only six main lessons, repeated over 30 years. This
book is about those six lessons, put as simply as possible as my rich dad put forth those lessons to
me. The lessons are not meant to be answers but guideposts. Guideposts that will assist you and
your children to grow wealthier no matter what happens in a world of increasing change and
uncertainty.
Lesson #1 The Rich Don’t Work for Money
Lesson #2 Why Teach Financial Literacy?
Lesson #3 Mind Your own Business
Lesson #4 The History of Taxes and the Power of Corporations
Lesson #5 The Rich Invent Money
Lesson #6 Work to Learn, Don’t Work for Money


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