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Rich Dad Poor Dad

Kirjoitettu 11.12.15
Esseen kirjoittaja: Sonja Hyökyvaara
Kirjapisteet: 2
Kirja: Rich Dad Poor Dad
Kirjan kirjoittaja: Robert T. Kiyosaki
Kategoriat: 1. Oppiminen

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“Don’t work for money, make money work for you”

Rich dad, Poor Dad teaches us the difference between what “rich” parents teach their kids and what “poor” parents teach their kids when it comes to money. Rich parents teach how to make money and how to handle it, how to invests and grow your money, whereas “poor” parents teach their children how to work for money pretty much to survive. They value education and don’t really put value on business, entrepreneurship, or investing. They work hard to make money to pay rent and buy food for the family.

The author of the book, Robert Kiyosaki, had a dad who he himself would call a poor dad. He had an occupation and worked to provide for the family. He never taught Robert anything about money as a kid. Robert’s friend’s dad, however, was a so called “rich dad” who taught his son and Robert how to not work for money, but instead make money work for you. His teachings helped Robert become the millionaire that he is today.

The book is divided into six key lessons. I am going to describe each of them in short detail.

  • Lesson One: The Rich don’t work for Money

The rich dad taught that it is important to create residual income, income that will increase even when you aren’t working. People get too caught up in fear of losing money or getting fired so they like the security of a job and constant paycheck.

  • Lesson Two: Learning Financial Literacy

Unfortunately financial literacy and knowledge aren’t taught at school. These important lessons are taught at home. The main focus should be on being able to understand certain terms, such as: Income, expenses, assets, and liabilities. If you don’t understand how these work, it will be impossible to maintain money. Income is the amount of money you earn, whereas expenses are things you need to subtract such as taxes, rent, food, clothes. Assets are something that put money in your pocket such as stocks, bonds and other investments, and liabilities are things that take money out of your pocket, such as loans, credit card debts, and mortgages. It is important to understand that the rich are able to live off the returns from their investments, whereas the poor use their income to cover expenses. It is important to focus on growing assets in order to become wealthy.

  • Lesson Three: Mind Your Own Business

The third lesson teaches the reader to take care of their assets and constantly work on growing them. It is important to keep expenses low and to focus on investments instead of a paycheck from a regular job.

  • Lesson Four: The History and Power of Corporation

If you start a company, a corporation, you will be able to take advantage of many tax advantages you would not be able to use if you were an employee of a corporation. Rich dad explains it in the following way: If you are a company owner, you first earn, then spend, and after spending you pay taxes on what is left. If you are a worker for a company, you earn, then pay taxes on everything right away, and only after that you can spend. This makes a huge difference. To sum up, the rich pay much less taxes, which allows them to invest and stay rich. The poor, instead, basically work for the government from January to May just to pay for the taxes they owe.

  • Lesson Five: The Rich Invent Money

This chapter focuses in the thought that you must take risks in order to grow your money. It is easy to be comfortable and just keep money in the bank, but in the long run the savings account earned interest rate won’t even keep up with inflation. Therefore it is important to invest in ventures you believe in, even outside of your comfort zone.

  • Lesson Six: Work to Learn- Don’t Work for Money

In the last chapter Kiyosaki teaches that to become rich and successful, you should take jobs to learn from them. Instead of depending on a job for money, take a job to learn important skills which you can use in life to become successful. Especially learn about the management of cash flow, management of systems, and management of people. When getting a job, always think “Will this job teach me skills and benefit me in the future?” You will be on your way towards success. Kiyosaki also reveals the five habits which prevent people from getting rich. These are fear of losing money, cynicism, laziness, bad habits, and arrogance.


With these key lessons from the book, one will have the tools of becoming successful. It is important to remember that high education and success in studies does not always guarantee success in life and wealth. Instead, one has to apply their learned skills and knowledge of what to do with your income. Then you can become rich.

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