本帖最后由 ヮ成熟、羙° 于 2014-1-28 19:03 编辑
不要为钱而工作
荷叶/译
世界上到处都是精明能干,才华横溢,满腹学识和极富天赋之人。我们每天都能遇到这些人。几天前,我的车出了点毛病。我把它开到修车厂,年轻的机械师几分钟就把它搞定了。一听发动机的声音,他就知道毛病出在哪儿,这使我很吃惊。令人悲哀的是,光有天赋是远远不够的。
我常常为才华横溢的人挣那么点钱感到震惊。不久前,我听说美国只有不到百分之五的人收入超过十万。一个专攻医学行业的商业顾问告诉我有多少医生,牙医和按摩医生生活拮据。我一直都认为,只要他们一毕业,就会财源滚滚。这位顾问告诉了我这样一句话“他们离财富还有一技之遥”。这句话的意思是他们只需再学习和掌握一门技术,他们的收入就会以指数方式增加。我之前提到过财商是会计学,投资学,营销学和法则四个方面的协同作用。把这四项技术结合起来,以钱挣钱就会容易很多。一提到钱,多数人懂得的唯一技巧就是努力。
当1969年我从美国商业海洋学院毕业时,我受过良好教育的爸爸十分高兴,因为加州标准石油公司录用我为它的运油船队工作。我有远大的前程,但我只做了六个月就辞职了,我加入了海军陆战队学习飞行。我有学识的爸爸非常生气,而富爸爸则向我表示祝贺。对于有学识的爸爸来说,工作保障意味着一切。而对于富爸爸来说,学习才最重要。有学识的爸爸认为我上学是为了做一名船长,而富爸爸则懂得我要学的是国际贸易。因此,在做学生时,我做过客运,为前往远东和南太平洋的大型货轮,油轮和客轮做过导航。当包括迈克在内的我的多数同学奔走于各种联谊会时,我却在研究日本、泰国、香港、越南、韩国和菲律宾的贸易、民族和文化。我也参加聚会,但绝不是在联谊会会堂,我迅速地成长起来了。
有句老掉牙的话“工作是Just Over Broke(比破产强一点)首字母缩略词。很不幸,我要说这句话适用于千千万万人。因为学校并不认为财商是一种智力,多数工人都量入为出。他们工作,他们付账。与此相反,我要推荐年轻人去寻找一份能从中学到东西而不是挣到钱的工作。在选择一门职业,进入老鼠赛跑(激烈的竞争)以前,先低头看看路,想想自己想要获取哪些技能。人们一旦陷入为支付账单而疲于奔命的人生轨道后,他们就会像仓鼠一样,绕着那些小铁轮跑来跑去。他们毛茸茸的小腿疯狂地旋转,轮子在疯狂地转动,但直到第二天早晨,他们依然被困在工作这只大笼子里。
我问我教的学生“你们当中有多少人做的汉堡把麦当劳的好吃?”几乎所有的人都举起了手。我接下来问“那既然你们做的汉堡更好吃,为什么麦当劳挣得钱要比你们挣得多?”答案显而易见:麦当劳有一套良好的营销体系。那么多才华横溢的人受穷的原因是他们把注意力放在制作更好的汉堡上,而对营销体系一无所知或知之甚少。这个世界到处都是才华横溢的穷人,他们常常或是很穷,或是经济拮据或是所得低于自己的能力,这一切不是因为他们已知的东西,而是因为他们未知的东西。他们只专注于完善汉堡的精良制作,而不去关注汉堡的销售和送货技巧。 附:原文 Don't work for money The world is filled with smart, talented, educated and gifted people. We meet them every day. A few days ago, my car was not running well. I pulled it into a garage and the young mechanic had it fixed in just a few minutes. He knew what was wrong by simply listening to the engine. I was amazed. The sad truth is, great talent is not enough. I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than $100,000 a year. A business consultant who specializes in the medical trade was telling me how many doctors, dentists and chiropractors struggle financially. All this time, I thought that when they graduated, the dollars would pour in. It was this business consultant who gave me the phrase, "They are one skill away from great wealth." What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially.I have mentioned before that financial intelligence is a synergy of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money, the only skill most people know is to work hard. When I graduated from the U.S. Merchant Marine Academy in 1969, my educated dad was happy. Standard Oil of California had hired me for its oil-tanker fleet. I had a great career ahead of me, yet I resigned after six months with the company and joined the Marine Corps to learn how to fly. My educated dad was devastated. Rich dad congratulated me. Job security meant everything to my educated dad. Learning meant everything to my rich dad. Educated dad thought I went to school to learn to be a ship's officer. Rich dad knew that I went to school to study international trade. So as a student, I made cargo runs, navigating large freighters, oil tankers and passenger ships to the Far East and the South Pacific. While most of my classmates, including Mike, were partying at their fraternity houses, I was studying trade, people and cultures in Japan,Thailand, Singapore, Hong Kong,Vietnam, Korea and the Philippines. I also was partying,but it was not in any frat house. I grew up rapidly. There is an old cliché that goes, "Job is an acronym for 'Just Over Broke.‘" And unfortunately, I would say that the saying applies to millions of people.Because school does not think financial intelligence is intelligence, most workers "live within their means." They work and they pay the bills. Instead I recommend to young people to seek work for what they will learn, more than what they will earn. Look down the road at what skills they want to acquire before choosing a specific profession and before getting trapped in the "Rat Race". Once people are trapped in the lifelong process of bill paying,they become like those little hamsters running around in those little metal wheels. Their little furry legs are spinning furiously, the wheel is turning furiously, but come tomorrow morning, they'll still be in the same cage: great job. When I ask the classes I teach, "How many of you can cook a better hamburger than McDonald's?", almost all the students raise their hands. I then ask,"So if most of you can cook a better hamburger, how come McDonald's makes more money than you?" The answer is obvious: McDonald's is excellent at business systems. The reason so many talented people are poor is because they focus on building a better hamburger and know little or nothing about business systems. The world is filled with talented poor people. All too often,they're poor or struggle financially or earn less than they are capable of, not because of what they know but because of what they do not know. They focus on perfecting their skills at building a better hamburger rather than the skills of selling and delivering the hamburger. |