为什么靠打工无法变富？理财入门书籍《富爸爸穷爸爸》精华讲解，普通人的财务自由之路！

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你有没有想过

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为啥有的人每天好像不怎么忙

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照样每月有稳定收入

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而你一停工资就慌得不行

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连生病请假都要算着扣多少钱

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更扎心的是

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同样是拿工资

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为啥有人能3年买车

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5年买房

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有人却永远在月光

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连首付都凑不齐

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如果你也有这些困惑

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今天这条视频一定要看到最后

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我会把富爸爸

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穷爸爸这本书最核心的三个思维八透

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不管你是月薪3000还是3万

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看完都能少走5年弯路

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这本书我前前后后读了五遍

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每次看都有新收获

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他不是教你一夜暴富的歪门邪道

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而是帮你换个脑子

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搞懂钱的真正逻辑

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要知道大部分人穷不是因为赚的少

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而是因为从小没人教过怎么跟钱打交道

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在讲核心要点之前

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先给没看过书的朋友补个背景

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这本书的作者罗伯特清崎

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从小有两个爸爸

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亲爸爸是名校毕业的博士

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我们叫他穷爸爸

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而好朋友的爸爸没读过多少书

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却靠自己打拼成了千万富翁

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我们叫他富爸爸

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这两个爸爸给了他完全相反的财富观念

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也最终导致了截然不同的人生

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这本书的核心就是通过两个爸爸的对比

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撕开大多数人被误导了一辈子的财富谎言

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好我们正式开始

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第一个核心要点

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也是最颠覆认知的一点

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90%的人都搞反了资产和负债

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这就是你越忙越穷的根源

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我先问大家一个问题

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你觉得自己住的房子是资产还是负债

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我猜大部分人都会说

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当然是资产啊

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这可是我花几百万买的

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那我再问你

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如果你每个月都要还房贷

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一旦你不上班

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没收入

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这套房子会不会让你压力更大

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甚至可能被银行收走

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这就是富爸爸最经典的判断标准

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能把钱放进你口袋里的才叫资产

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而不断从你口袋里掏钱的

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哪怕他看起来很值钱

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也是负债

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我第一次读这段的时候

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真的拍案叫绝

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因为我以前也跟我那个穷爸爸一样

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觉得买了房就是有资产了

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可实际上我每个月还了房贷

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生活费都紧巴巴

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那套房子根本没给我带来一分钱收入

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反而把我绑在工作岗位上

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不敢辞职

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这根本不是资产

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是甜蜜的负债啊

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书中有个特别形象的案例

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穷爸爸买房子会选市中心最大的户型

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因为要住的舒服

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要有面子

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然后每个月用工资还房贷

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压力越来越大

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而富爸爸买第一套房子的时候

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特意选了小户型的学区房

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自己不住

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租给有孩子的家庭

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用租金来还房贷

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等房贷还清

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这套房子每个月能给他带来稳定的租金收入

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这才是真正的资产

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再给大家举个生活化的例子

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同样是月入2万

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两个人的选择完全不同

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第一个人觉得自己收入不错

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贷款买了豪华轿车

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每个月还车贷

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加油保养要花掉8000块

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而第二个人用一半的钱

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买了辆性价比高的代步车

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剩下的钱付了一套小公寓的首付

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把公寓租出去

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每个月租金刚好覆盖房贷还能剩200块

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一年后

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第一个人的存款所剩无几

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车还贬值了

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而第二个人手里多了一套能生钱的资产

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哪怕他下个月不上班

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租金也能帮他还房贷

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你看这就是资产和负债的区别

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很多人一辈子都在为负债打工

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买名牌包

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买豪华车

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买超出需求的大房子

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这些东西只会让你口袋里的钱越来越少

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逼得你必须拼命工作

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而有钱人呢

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他们会先把钱投入到能生钱的资产里

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比如能收租的房子

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能分红的股票

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能自动赚钱的副业

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让资产给他们赚更多的钱

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再用赚来的钱买想要的东西

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可能有人会说

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我没那么多钱买房子

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买股票啊

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这里我跟大家分享个我自己的经历

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我刚工作的时候月入才5000

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根本买不起房

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但我发现公司附近有很多上班族

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中午吃饭不方便

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就花2000块买了个二手电动车

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每天中午帮同事带饭

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收点跑腿费

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一个月能多赚1500

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后来我把这1500存起来

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加上工资攒了半年

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付了一个小网店的押金

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卖公司周边的办公用品

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每个月又多了2000块被动收入

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你看资产不一定是几百万的房子

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哪怕是一个能帮你赚钱的小副业

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也是资产

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听到这里

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相信大家已经明白

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资产和负债的区别了

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那问题来了

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为什么我们大多数人从小就没人教我们这些

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这就引出了第二个核心要点

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财商教育的缺失是比缺钱更可怕的贫穷

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作者在书里说

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他小时候问穷爸爸爸爸

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我们怎么才能变得有钱

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穷爸爸总是说努力学习

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考个好大学

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找份稳定的工作

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然后存钱

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而富爸爸却告诉他

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如果你想变有钱

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就要学怎么让钱为你工作

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而不是你为钱工作

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这两种不同的教育造就了两种完全不同的人生

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我跟大家说个真事

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我有个发小从小就是学霸

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考上了名牌大学

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进了国企工作稳定

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工资不低

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他跟他爸爸一样

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特别会存钱

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每个月工资除了必要开销全存进银行

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前几年房价涨的时候

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他想买房

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发现自己存的钱连首付都不够

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因为银行利息根本赶不上房价上涨的速度

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而我另一个朋友高中没毕业就出来闯

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他跟他做小生意的爸爸学

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很早就知道钱生钱的道理

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20岁的时候就开始倒腾二手手机

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赚了第一桶金

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后来又跟人合伙开了家奶茶店

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现在手里有三家分店

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每个月被动收入就有几万块

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这不是说读书没用

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而是说财商教育和学历教育同样重要

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我们从小在学校里学语文

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数学英语

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却没人教我们怎么理财

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怎么分辨资产和负债

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怎么让钱为自己工作

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就像作者说的

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学校教我们怎么成为一个好员工

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却没教我们怎么成为一个好老板

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好的投资者

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这种教育的缺失

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导致很多人哪怕学历再高

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工作再努力

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也只能在为钱工作的圈子里打转

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书中富爸爸有个特别经典的做法

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他从小就让孩子参与家里的生意

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让他们自己管一部分钱

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学会记账

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知道哪些钱是成本

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哪些是利润

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甚至让他们从小就学着谈判签合同

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而穷爸爸呢从来不让孩子碰钱

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觉得你只要好好学习就行

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赚钱是大人的事

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这种差异从小就埋下了财富思维的种子

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可能有人会说

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我都成年了

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现在学财商还来得及吗

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当然来得及

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我30岁的时候才读富爸爸

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穷爸爸

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那时候我还是个月光族

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连信用卡都还不清

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看完书之后

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我开始学着记账

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每天花10分钟记录自己的开销

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坚持了一个月

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我发现自己每个月在无效消费上

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花了将近1000块

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比如随便点的外卖

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冲动买的衣服

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用了两次就闲置的化妆品

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我把这些钱省下来

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开始学习理财

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从最简单的基金定投开始

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慢慢接触股票房产

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现在5年过去了

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我的被动收入已经超过了我的工资

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这都是财商教育带来的改变

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给大家一个实用的小建议

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从今天开始

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每天花10分钟记账

228
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区分必要开销和欲望开销

229
00:06:03,199 --> 00:06:04,819
把欲望开销压缩下来

230
00:06:04,819 --> 00:06:06,040
存到资产账户里

231
00:06:06,040 --> 00:06:07,899
专门用来投资能生钱的东西

232
00:06:07,899 --> 00:06:08,819
坚持三个月

233
00:06:08,819 --> 00:06:10,240
你不仅能攒下一笔钱

234
00:06:10,240 --> 00:06:12,000
更能养成正确的财富习惯

235
00:06:12,000 --> 00:06:13,660
这比你赚多少钱都重要

236
00:06:13,660 --> 00:06:15,360
知道了资产和负债的区别

237
00:06:15,360 --> 00:06:17,079
也明白财商教育的重要性

238
00:06:17,079 --> 00:06:18,860
那接下来最关键的问题就是

239
00:06:18,860 --> 00:06:20,259
普通人到底该怎么做

240
00:06:20,259 --> 00:06:22,639
才能从为钱工作变成钱为我工作

241
00:06:22,639 --> 00:06:24,379
这就需要第三个核心要点

242
00:06:24,379 --> 00:06:25,660
克服恐惧和贪婪

243
00:06:25,660 --> 00:06:26,899
建立现金流思维

244
00:06:26,899 --> 00:06:27,939
作者在书里说

245
00:06:27,939 --> 00:06:29,819
大多数人之所以赚不到大钱

246
00:06:29,819 --> 00:06:31,019
不是因为没机会

247
00:06:31,019 --> 00:06:32,699
而是被两种情绪困住了

248
00:06:32,699 --> 00:06:33,660
恐惧和贪婪

249
00:06:33,660 --> 00:06:35,839
比如看到别人投资股票赚钱了

250
00:06:35,839 --> 00:06:37,060
就贪婪地冲进去

251
00:06:37,060 --> 00:06:38,620
根本不了解公司的情况

252
00:06:38,620 --> 00:06:40,000
结果亏得一塌糊涂

253
00:06:40,000 --> 00:06:41,959
而当有好的投资机会出现时

254
00:06:41,959 --> 00:06:42,759
又因为恐惧

255
00:06:42,759 --> 00:06:43,839
万一亏了怎么办

256
00:06:43,839 --> 00:06:44,920
迟迟不敢下手

257
00:06:44,920 --> 00:06:46,000
最后错过机会

258
00:06:46,000 --> 00:06:48,639
书中有个作者自己的案例特别有启发

259
00:06:48,639 --> 00:06:49,860
作者刚毕业的时候

260
00:06:49,860 --> 00:06:51,160
在一家公司做销售

261
00:06:51,160 --> 00:06:51,899
工资不高

262
00:06:51,899 --> 00:06:54,779
有一天他发现公司附近有一块闲置的土地

263
00:06:54,779 --> 00:06:56,079
特别适合建停车场

264
00:06:56,079 --> 00:06:57,480
他想租下来做停车场

265
00:06:57,480 --> 00:06:58,600
但需要一笔租金

266
00:06:58,600 --> 00:06:59,779
他手里没多少钱

267
00:06:59,779 --> 00:07:00,560
而且很害怕

268
00:07:00,560 --> 00:07:01,839
万一没人停车怎么办

269
00:07:01,839 --> 00:07:02,740
这就是恐惧

270
00:07:02,740 --> 00:07:04,079
但他想起富爸爸说的

271
00:07:04,079 --> 00:07:05,300
要让钱为你工作

272
00:07:05,300 --> 00:07:06,959
就要敢于承担合理的风险

273
00:07:06,959 --> 00:07:09,120
于是他鼓起勇气跟房东谈判

274
00:07:09,120 --> 00:07:10,379
把租金压到最低

275
00:07:10,379 --> 00:07:12,240
还争取到了三个月的免租期

276
00:07:12,240 --> 00:07:14,899
然后他用自己的积蓄买了些简易的停车设备

277
00:07:14,899 --> 00:07:17,399
又跟周边的公司合作推出月卡优惠

278
00:07:17,399 --> 00:07:19,199
结果第一个月就实现了盈利

279
00:07:19,199 --> 00:07:19,899
一年后

280
00:07:19,899 --> 00:07:22,839
这个停车场给他带来的收入比他的工资还高

281
00:07:22,839 --> 00:07:24,000
这个案例告诉我们

282
00:07:24,000 --> 00:07:25,899
真正的有钱人不是不害怕

283
00:07:25,899 --> 00:07:28,439
而是会在恐惧的时候理性分析机会

284
00:07:28,439 --> 00:07:30,560
在贪婪的时候控制自己的欲望

285
00:07:30,560 --> 00:07:33,459
而做到这一点的核心就是建立现金流思维

286
00:07:33,459 --> 00:07:34,860
什么是现金流思维

287
00:07:34,860 --> 00:07:36,920
简单说就是不管你赚多少钱

288
00:07:36,920 --> 00:07:38,160
都要关注钱的流向

289
00:07:38,160 --> 00:07:39,839
让更多的钱流进你的口袋

290
00:07:39,839 --> 00:07:40,860
而不是流出

291
00:07:40,860 --> 00:07:42,779
给大家举个大众熟知的例子

292
00:07:42,779 --> 00:07:44,160
巴菲特大家都知道吧

293
00:07:44,160 --> 00:07:45,180
他被称为股神

294
00:07:45,180 --> 00:07:47,120
但他的投资逻辑其实很简单

295
00:07:47,120 --> 00:07:49,639
就是找那些能产生稳定现金流的公司

296
00:07:49,639 --> 00:07:51,079
比如他投资可口可乐

297
00:07:51,079 --> 00:07:53,199
不是因为可口可乐的股价会暴涨

298
00:07:53,199 --> 00:07:55,500
而是因为可口可乐每天都在卖饮料

299
00:07:55,500 --> 00:07:57,300
能产生稳定的收入和利润

300
00:07:57,300 --> 00:07:59,800
这些利润会以分红的形式流进他的口袋

301
00:07:59,800 --> 00:08:01,579
这就是典型的现金流思维

302
00:08:01,579 --> 00:08:03,560
他关注的不是短期的股价波动

303
00:08:03,560 --> 00:08:05,379
而是长期稳定的现金流入

304
00:08:05,379 --> 00:08:07,560
那普通人怎么建立现金流思维呢

305
00:08:07,560 --> 00:08:09,240
我给大家总结了三个步骤

306
00:08:09,240 --> 00:08:10,560
都是我亲测有效的

307
00:08:10,560 --> 00:08:12,040
记得收藏起来慢慢看

308
00:08:12,040 --> 00:08:13,899
第一步梳理自己的现金流

309
00:08:13,899 --> 00:08:14,639
拿一张纸

310
00:08:14,639 --> 00:08:15,879
左边写现金流入

311
00:08:15,879 --> 00:08:17,879
包括你的工资奖金租金

312
00:08:17,879 --> 00:08:18,819
理财收益等

313
00:08:18,819 --> 00:08:20,060
右边写现金流出

314
00:08:20,060 --> 00:08:21,360
包括房贷车贷

315
00:08:21,360 --> 00:08:22,019
生活费

316
00:08:22,019 --> 00:08:22,920
娱乐开销等

317
00:08:22,920 --> 00:08:25,540
这样你就能清楚地看到你的钱是怎么来的

318
00:08:25,540 --> 00:08:26,459
又是怎么没的

319
00:08:26,459 --> 00:08:27,019
第二步

320
00:08:27,019 --> 00:08:28,139
增加被动收入

321
00:08:28,139 --> 00:08:30,920
被动收入就是不用你主动工作就能赚到的钱

322
00:08:30,920 --> 00:08:32,298
比如租金分红

323
00:08:32,298 --> 00:08:32,879
版税

324
00:08:32,879 --> 00:08:33,778
副业收入等

325
00:08:33,778 --> 00:08:35,379
普通人可以从副业开始

326
00:08:35,379 --> 00:08:36,639
比如你擅长写文案

327
00:08:36,639 --> 00:08:38,178
就可以接兼职文案的活

328
00:08:38,178 --> 00:08:40,360
你喜欢拍照就可以做摄影约拍

329
00:08:40,360 --> 00:08:41,620
哪怕你没什么技能

330
00:08:41,620 --> 00:08:43,279
也可以做小区的团购团长

331
00:08:43,279 --> 00:08:44,159
赚点佣金

332
00:08:44,159 --> 00:08:46,320
记住副业的目的不是赚零花钱

333
00:08:46,320 --> 00:08:48,679
而是把它打造成能自动赚钱的资产

334
00:08:48,679 --> 00:08:49,340
第三步

335
00:08:49,340 --> 00:08:50,500
减少无效支出

336
00:08:50,500 --> 00:08:51,820
不是让你省吃俭用

337
00:08:51,820 --> 00:08:54,000
而是把钱花在能带来回报的地方

338
00:08:54,000 --> 00:08:56,299
比如花1000块买一件穿一年的衣服

339
00:08:56,299 --> 00:08:57,879
不如花1000块报个课程

340
00:08:57,879 --> 00:08:59,019
提升自己的技能

341
00:08:59,019 --> 00:09:00,549
让自己能赚更多的钱

342
00:09:00,549 --> 00:09:02,269
花500块请朋友吃一顿饭

343
00:09:02,269 --> 00:09:04,409
不如花500块请行业前辈喝咖啡

344
00:09:04,409 --> 00:09:05,549
学习他们的经验

345
00:09:05,549 --> 00:09:06,269
讲到这里

346
00:09:06,269 --> 00:09:07,200
可能有人会说

347
00:09:07,200 --> 00:09:08,299
这些道理我都懂

348
00:09:08,299 --> 00:09:10,419
但我就是没时间没精力去做啊

349
00:09:10,419 --> 00:09:11,840
我特别理解这种感受

350
00:09:11,840 --> 00:09:13,100
因为我以前也这样

351
00:09:13,100 --> 00:09:14,220
但我想跟大家说

352
00:09:14,220 --> 00:09:16,889
富爸爸穷爸爸里有句话让我印象特别深

353
00:09:16,889 --> 00:09:17,889
所谓的没时间

354
00:09:17,889 --> 00:09:19,809
其实是你觉得这件事不够重要

355
00:09:19,809 --> 00:09:21,929
如果你每天能花一小时刷短视频

356
00:09:21,929 --> 00:09:23,820
就一定能花一小时学习财商

357
00:09:23,820 --> 00:09:24,480
做副业

358
00:09:24,480 --> 00:09:26,279
如果你能花几千块买手机

359
00:09:26,279 --> 00:09:28,600
就一定能花几百块买本财商书籍

360
00:09:28,600 --> 00:09:29,659
报个入门课程

361
00:09:29,659 --> 00:09:33,019
关键在于你是不是真的想改变越忙越穷的现状

362
00:09:33,019 --> 00:09:34,220
我身边有个宝妈

363
00:09:34,220 --> 00:09:35,679
每天要带孩子做家务

364
00:09:35,679 --> 00:09:36,879
根本没时间上班

365
00:09:36,879 --> 00:09:38,120
她看了我的视频后

366
00:09:38,120 --> 00:09:40,700
开始利用孩子睡觉的时间做手工发饰

367
00:09:40,700 --> 00:09:41,759
然后在网上卖

368
00:09:41,759 --> 00:09:43,600
一开始每个月只能赚几百块

369
00:09:43,600 --> 00:09:44,700
但他坚持下来

370
00:09:44,700 --> 00:09:45,759
慢慢优化产品

371
00:09:47,620 --> 00:09:49,379
现在每个月能赚好几千块

372
00:09:49,379 --> 00:09:50,759
比她以前上班还多

373
00:09:50,759 --> 00:09:53,559
他说以前觉得自己被困在家里没什么价值

374
00:09:53,559 --> 00:09:55,200
现在靠自己的双手赚钱

375
00:09:55,200 --> 00:09:56,240
特别有成就感

376
00:09:56,240 --> 00:09:57,600
其实富爸爸穷爸爸

377
00:09:57,600 --> 00:10:00,100
这本书从来不是教我们怎么一夜暴富

378
00:10:00,100 --> 00:10:02,279
而是给我们一套全新的财富思维

379
00:10:02,279 --> 00:10:03,159
他告诉我们

380
00:10:03,159 --> 00:10:05,740
真正的财富不是你银行里有多少存款

381
00:10:05,740 --> 00:10:07,659
而是你每个月有多少被动收入

382
00:10:07,659 --> 00:10:09,820
真正的自由不是你能赚多少钱

383
00:10:09,820 --> 00:10:11,779
而是你不用为了钱而被迫工作

384
00:10:11,779 --> 00:10:13,500
我知道改变思维很难

385
00:10:13,500 --> 00:10:15,379
就像我第一次看这本书的时候

386
00:10:15,379 --> 00:10:17,120
也觉得这都是有钱人的游戏

387
00:10:17,120 --> 00:10:18,100
跟我没关系

388
00:10:18,100 --> 00:10:19,700
但当我试着迈出第一步

389
00:10:19,700 --> 00:10:21,500
从记账做小副业开始

390
00:10:21,500 --> 00:10:23,980
慢慢发现财富真的在一点点积累

391
00:10:23,980 --> 00:10:26,639
现在我把这本书推荐给我的朋友家人

392
00:10:26,639 --> 00:10:29,080
看着他们也因为这本书改变了收入结构

393
00:10:29,080 --> 00:10:30,259
实现了财富自由

394
00:10:30,259 --> 00:10:31,460
我特别有成就感

395
00:10:31,460 --> 00:10:33,120
这条视频已经讲了10分钟

396
00:10:33,120 --> 00:10:36,139
把富爸爸穷爸爸最核心的三个要点都讲透了

397
00:10:36,139 --> 00:10:37,440
分清资产和负债

398
00:10:37,440 --> 00:10:38,759
别让负债拖垮你

399
00:10:38,759 --> 00:10:39,840
重视财商教育

400
00:10:39,840 --> 00:10:41,139
这是最划算的投资

401
00:10:41,139 --> 00:10:42,340
克服恐惧贪婪

402
00:10:42,340 --> 00:10:43,580
建立现金流思维

403
00:10:43,580 --> 00:10:44,919
如果觉得对你有帮助

404
00:10:44,919 --> 00:10:46,240
一定要点赞收藏

405
00:10:46,240 --> 00:10:48,759
转发给你身边那些还在为钱工作的朋友

406
00:10:48,759 --> 00:10:50,539
让他们也能看到改变的可能

407
00:10:50,539 --> 00:10:52,100
最后我想跟大家说

408
00:10:52,100 --> 00:10:53,840
我们大多数人都出身普通

409
00:10:53,840 --> 00:10:55,200
没有富爸爸可以依靠

410
00:10:55,200 --> 00:10:56,940
但我们可以做自己的富爸爸

411
00:10:56,940 --> 00:10:59,460
通过学习和实践培养自己的财商

412
00:10:59,460 --> 00:11:01,019
建立自己的资产体系

413
00:11:01,019 --> 00:11:03,159
记住真正的财富不是赚来的

414
00:11:03,159 --> 00:11:04,100
而是想来的

415
00:11:04,100 --> 00:11:05,419
当你的思维改变了

416
00:11:05,419 --> 00:11:06,960
财富自然会向你靠近

417
00:11:06,960 --> 00:11:09,159
愿我们都能跳出越忙越穷的陷阱

418
00:11:09,159 --> 00:11:11,059
拥有让钱为自己工作的能力

419
00:11:11,059 --> 00:11:12,460
活成自己想要的样子

共 7 条，按点赞数排序。

共 36 条，按视频时间排序。