【金持ち父さん貧乏父さん(Rich dad poor dad)】フレーズで学ぶ英語とお金の勉強「名言97選」

In this series, I write some phrase down so that I won't forget.

Every phrase made me impressed and I took a note while reading this book.

There are 9 chapters and every phrases may be useful in our live.

 Chapter 0: Introduction

1　Instead of simply accepting or rejecting one or the other, I found myself thinking more, comparing, and then choosing for myself.

2　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.

3　There is a difference between being poor and being broke. 

Broke is temporary. Poor is eternal.

4　"I don't work for money!" were words he would repeat over and over. 

"Money works for me!"

Chapter 1: The rich don't work for money

5　The poor and the middle class work for money.

The rich have money work for them.

6　You're only poor if you give up.

The most important thing is that you did something.

7　Keep going. Don't quit.

8　So the faster you can make a decision the more likely you'll be able to seize opportunities.（※seize: to take quickly）

9　Wake up. There's something I want you to learn.

10　Some people give up and others fight. A few learn the lesson and move on.

Most quit, and a few like you fight.（※quit: to stop doing）

11　When it comes to money, most people want to play it safe and feel secure.

12　Most people, given more money, only get into more debt.

13　I（Rich dad）already know that my study of money will continue over my lifetime, simply because the more I find out, the more I find out I need to know.

14　They（Most people）think that more money will solve the problem and don't realize that it's their lack of financial education that is the problem.

15　Rich dad tapped me on the head, "Use this," he said.

"If you use it well, you will soon thank me for giving you an opportunity and you will grow into a rich man."

16　People lives are forever controlled by two emotions: fear and greed.

　（※greed: an intense desire to own more）

17　Offer them more money and they continue the cycle by increasing their spending.

This is what I call the Rat Race.

18　I want to teach you to master the power of money, instead of being afraid of it.

19　Most people believe that the company they work for, or the government, will look after them. 

20　Most people never see these opportunities because they're looking for money and security, so that's all they get.

 Chapter 2: Why teach financial literacy?

21　It's not how much money you make.

It's how much money you keep.

22　Our assets are like planting a tree.

You water it for years, and then one day it doesn't need you anymore.

Its roots are implanted deep enough. 

Then the tree provides shade for your enjoyment.

23　Rich people acquire assets.

The poor and middle class acquire liabilities that they think are assets.

24　An asset puts money in my pockets.

A liability takes money out of my pocket.

25　Most people don't understand why they struggle financially because they don't understand cash flow.

26　More money seldom solves someone's money problems.

Intelligence solves problems.

27　When I want a bigger house, I first buy assets that will generate the cash flow to pay the house.

28　Their（the middle class） expenses tend to increase in proportion to their salary increase: hence, the phrase "the Rat Race".

29　Concentrate your efforts on buying income-generating assets.

That's the best way to get started on a path to becoming rich.

30　Wealth is a person's ability to survive so many number of days forwardー

or, if you stopped working today, how long could you survive?

31　I now have income generated from assets each month that fully cover my monthly expenses.

32　Want to be rich? Buy assets.

Chapter 3: Mind your own business

33　The rich focus on their asset columns while everyone else focuses on their income statements.

34　A new car loses nearly 25 percent of the price you pay for it the moment you drive it off the lot.

35　Promotions or a better job will only help you becomoe more financially secure if the additional money is used to purchase income-generating assets.

36　Acquire the type of assets you love, because you will take better care of them and enjoy learning about them.

37　To become financially secure, a person needs to mind their own business.

38　An important distinction is that rich people buy luxuries last, while the poor and middle class tend to buy luxuries first.

 Chapter 4: The history of taxes and the power of corporations

39　My rich dad just played the game smart, and he did it through corporations

ーthe biggest secret of the rich.　

40　No matter what people say "take from the rich",

the rich always found a way to outsmart them.

(※outsmart: to defeat by being smarter)

41　The income-tax rate of a corporation is less than the individual income-tax rates.

42　The problem is, the harder you work in a job, the more you must pay the government.

43　If you work for money, you give the power to your employer.

If money works for you, you keep the power and control it.

44　It was not until my mid-twenties that my rich dad's advice began to make more sense to me.

45　Without the financial knowledge, my road to financial indepedence would have been much more difficult.

 46　Financial IQ is made up of knowledge from four broad areas of expertise.

• Accounting
• Investing
• Understanding markets
• The law

Chapter 5: The rich invest money

47　Often in the real world, it's not the smart who get smart, but the bold.

(※bold: not afraid of danger)　

 48　「Why take risks?」「Why should I bother developing my financial IQ?」

「Why should I become financially literate?」

And I answer, 「Just to have more options.」　

 49　Old ideas are our biggest liability. That idea or way of doing something was an asset yesterday. But yesterday is gone.

 50　The single most powerful asset we all have is our mind.

If it is trained well, it can create enormous wealth.

 51　Time is one of our greatest assets.

 52　If something is too complex and I do not understand the investment, I don't do it.

Simple math and common sense are all you need to do well financially.

 53　It is not gambling if you know what you're doing.

It is gambling if you're just throwing money into a deal and praying.

 54　That's why I constantly encourage people to invest more in their financial education than in stocks, real estate, or other markets.

 55　Great opportunities are not seen with your eyes. They are seen with your mind.

 56　Sometimes you win and sometimes you learn. But remember to have fun.

 57　Most people never win because they're more afraid of losing.

That is why I found school so silly. In school, we learn that mistakes are bad.

 58　Failure is part of the process of success.

 59　The more you develop your financial intelligenceーwhich takes timeーthe more opportunities will be offered to you.

 Chapter 6: Work to learn, don't work for money

60　Job security meant everything to my educated dad.

Learning meant everything to my rich dad.

61　When it comes to money, the only skill most people know is to work hard.

62　Many hospitals need to make tough decision such as,

"Who will live, and who will die?"

They make those decisions purely on how much money they have and how old the patients are.

63　Give, and you shall receive.

64　Don't believe in 「Recieve, and then you give.」

65　Most people work hard to get a secure job, focusing on pay and benefits in the short term.

What they should do is seek work that will teach them the skills they'll need.

66　Many will resist because they aren't ready for change.

67　I recommend to young people to seek work for what they will learn, more than what they will earn.

68　Life is much like going to the gym.

The most painful part is deciding to go.

Once you get past that, it's easy.

69　Giving money is the secret to most great wealthy families.

70　Winning means being unafraid to lose.

Chapter 7: Overcoming obstacles

71　The primary difference between a rich person and a poor person is how they manage fear.　

72　For winners, losing inspires them.

For losers, losing defeats them.

73　I always tried to turn every disaster into an opportunity.

by John D. Rockefeller

74　If failure inspires you to win, maybe you should go for itーbut only maybe.

75　Our doubts often paralyze us.

(※paralyze: to make unable to act)

76　A little fear can be a healthy thing, but we shouldn't live in fear of making mistakes.

Mistakes are good things, if we find the lesson in every failure.

77　「I can't afford it.」shut down your brain.

78　「How can I afford it?」opened up the brain and forced it to think and search for answers.

79　Everyone has the fear of losing money; the difference is how you handle fear and losing.

80　They might have a safe, sensible and balanced portfolio, but it's not a winning portfolio.

They're playing not to lose.

Chapter 8, 9: Getting started! Here are some to do's

81　There is gold everywhere.

Most people are not trained to see it.

82　All of us have choice.

I just choose to be rich, and I make that choice every day.

83　A truly intelligent person welcomes new ideas, for new ideas can add to the synergy of other accumulated ideas.

(※accumulate: to gather slowly)

84　The point is that I learn from all of them.

85　Keep your expenses low.

Build up assets first. Then but the big house or nice car.

86　Find someone who has done what you want to do.

87　Action always beats inaction.

88　You must take action before you can receive the financial rewards.

Act now!

Final thoughts

89　Without financial training, we all too often use the standard formulas to get through life.

Work hard, save, and pay excessive taxes.

90　Today, we need greater financial intelligence to simply survive.

91　The idea that 「it takes money to make money」is the thinking of financially unsophisticated people.

92　Today, don't play it safe. Play it smart.

93　Rich dad was talking about passive income and portfolio income.

94　The key to becoming wealthy is the ability to convert earned income into passive income or portfolio income as quickly as possible.

95　Risk comes from not knowing what you're doing.

96　Every day with every dollar, you decide to be rich, poor, or middle class.

97　Rich dad's messegesー「your house is not an asset.」「invest for cash flow.」「savers are losers.」