Rich Dad Poor Dad (Part 1: Chapter 1-5) 一本看完會覺得恍然大悟的理財書
- Larry Chou
- 6 days ago
- 11 min read
Updated: 3 days ago
作者：Robert Kiyosaki
Chapter 1: Rich Dad, Poor Dad
In the first chapter of "Rich Dad, Poor Dad," Robert Kiyosaki introduces the two most influential figures in his life: his biological father, whom he refers to as his "Poor Dad", and his friend's father, whom he calls his "Rich Dad". Kiyosaki's Poor Dad was highly educated with a stable job, but struggled financially all his life. On the other hand, the Rich Dad, who didn't even complete eighth grade, became one of the richest men in Hawaii. The contrast between these two men formed the foundation of Kiyosaki's understanding of money and investments.
在 "富爸爸，窮爸爸" 的第一章裡，Robert Kiyosaki介紹了他生命中兩位最有影響力的人物：他的生父，他稱之為 "窮爸爸"，和他朋友的父親，他稱之為 "富爸爸"。Robert的窮爸爸受過高等教育，有穩定的工作，但他一生中都在經濟上掙扎。另一方面，富爸爸，即使沒有完成八年級的學業，卻成為了夏威夷最富有的人之一。這兩個人之間的對比形成了Robert對錢和投資的理解的基礎。
Influential (有影響力的)
The two most influential figures in his life were his Rich Dad and Poor Dad.
他生命中最有影響力的兩個人物是他的富爸爸和窮爸爸。
Biological (生物的)
His biological father is referred to as his "Poor Dad".
他把他的生父稱為 "窮爸爸"。
Foundation (基礎)
The contrast between these two men formed the foundation of Kiyosaki's understanding of money and investments.
這兩個人之間的對比形成了Robert對錢和投資的理解的基礎。
Investments (投資、投入)
Smart investments today can lead to financial freedom in the future.
今天的明智投資能帶來未來的財務自由。
Key Points
The Rich Dad and the Poor Dad represent two different viewpoints towards money and investment.
富爸爸和窮爸爸代表了對錢和投資的兩種不同的觀點。
The Poor Dad believes in traditional education and a stable job, but struggles with financial issues.
窮爸爸信奉傳統教育和穩定的工作，但在經濟問題上掙扎。
The Rich Dad, despite his lack of formal education, is financially successful due to his understanding and smart handling of money.
儘管富爸爸缺乏正規教育，但由於他對錢的理解和巧妙的處理，他在經濟上取得了成功。
英文檢定綜合試題
Who are the two most influential figures in Robert Kiyosaki's life?
A. His mother and father
B. His Rich Dad and Poor Dad
C. His teacher and principal
D. His friend and neighbor
Answer: B
解析：在Robert Kiyosaki的生命中，最有影響力的兩個人物是他的富爸爸和窮爸爸。
What is the main difference between the Rich Dad and the Poor Dad?
A. Their level of education
B. Their attitudes towards money and investment
C. Their family background
D. Their occupation
Answer: B
解析：富爸爸和窮爸爸的主要區別在於他們對錢和投資的態度。
Chapter 2: The Rich Don't Work for Money
In "Chapter 2: Lesson One - The Rich Don't Work for Money," Robert Kiyosaki elaborates on the difference between how the rich and the middle class handle money. He begins by narrating an experience from his childhood, where his "rich dad" offered him a job with low pay to teach him the value of money. Initially, Kiyosaki was frustrated with the low pay, but he eventually understood that the rich make money work for them, rather than working for money.
在「第二章：第一課-富人不為錢工作」中，Robert Kiyosaki進一步闡述富人與中產階級處理金錢的不同方式。他首先敘述了他童年的一次經驗，他的「富爸爸」給他一份工資低微的工作，以教導他錢的價值。起初，Robert對低工資感到十分沮喪，但他最終明白了富人是讓錢為他們工作，而不是為錢工作。
elaborate (闡述)
The professor will elaborate on this concept in the next class.
教授將在下一堂課進一步闡述這個概念。
narrate (敘述)
He narrated his adventurous journey in the jungle.
他敘述了他在叢林中的冒險旅程。
frustrated (沮喪)
She was frustrated with her inability to solve the problem.
她對自己無法解決問題感到沮喪。
Kiyosaki explains that the middle class works for money, whereas the rich have money work for them. The rich invest in assets that generate income, such as real estate, stocks, and bonds, rather than laboring for a paycheck. He also emphasizes the importance of financial education, which he believes the traditional school system fails to provide.
Robert解釋說，中產階級是為錢工作，而富人卻讓錢為他們工作。富人投資於能產生收入的資產，如房地產、股票和債券，而不是為了薪水而勞動。他還強調了財務教育的重要性，他認為傳統的學校教育系統未能提供這方面的教育。
middle class (中產階級)
The middle class is the backbone of the economy.
中產階級是經濟的支柱。
income (收入)
Her main source of income is from her online business.
她的主要收入來源是她的在線業務。
assets (資產)
He invested his savings in various assets.
他將積蓄投資在各種資產上。
financial education (財務教育)
Financial education is crucial for managing personal finances.
財務教育對於管理個人財務至關重要。
Key Points
The rich don't work for money; they make money work for them.
富人不為錢工作；他們讓錢為他們工作。
The middle class works for money, often laboring for a paycheck.
中產階級為錢工作，經常為了薪水而勞動。
The rich invest in assets that generate income like real estate, stocks, and bonds.
富人投資於產生收入的資產，如房地產、股票和債券。
Financial education is crucial, and the traditional school system often fails to provide it.
財務教育至關重要，傳統的學校教育系統常常未能提供這方面的教育。
英文檢定綜合試題
What does Robert Kiyosaki mean by "the rich don't work for money?"
A. The rich don't need to work because they already have money.
B. The rich make money work for them by investing in income-generating assets.
C. The rich inherit their wealth, so they don't need to work.
D. The rich prefer not to work and live off their savings.
Answer: B
解析：Robert Kiyosaki所說的「富人不為錢工作」是指富人通過投資於能產生收入的資產，讓錢為他們工作。
Why does Kiyosaki believe that financial education is important?
A. Because it can help people understand how to make money work for them.
B. Because it is a requirement for getting a high-paying job.
C. Because it can help people avoid paying taxes.
D. Because it can help people become rich quickly.
Answer: A
解析：Robert認為財務教育重要的原因是它可以幫助人們理解如何讓錢為他們工作。
Chapter 3: Why Teach Financial Literacy?
In "Chapter 3: Lesson Two - Why Teach Financial Literacy?" of "Rich Dad Poor Dad", Robert Kiyosaki emphasizes the importance of financial literacy. He insists that individuals must understand the difference between an asset and a liability, and acquire the financial knowledge that traditional education does not provide. He states that to attain financial freedom, one must focus on acquiring assets that generate income, rather than liabilities that cause expenses.
在《富爸爸窮爸爸》的“第三章：第二課 - 為什麼要教授財務知識？”中，Robert Kiyosaki強調了財務知識的重要性。他堅持個人必須明白資產和負債的區別，並獲得傳統教育無法提供的財務知識。他認為，要獲得財務自由，人們必須專注於獲取可以產生收入的資產，而不是造成費用的負債。
Financial literacy (財務知識)
The course was designed to promote financial literacy among students.
這門課程旨在提高學生的財務知識。
Liability (負債)
His gambling habit has become a serious liability.
他的賭博習慣已經成為一個嚴重的負債。
Attain (達到、獲得)
With hard work and persistence, she attained her lifelong dream.
透過努力和堅持，她實現了畢生的夢想。
Acquiring (獲得、習得)
He is focused on acquiring new skills to advance his career.
他專注於習得新技能以推進自己的職涯。
Expense (費用)
His only expense is his monthly rent.
他唯一的花費是每月的租金。
Key Points
Financial literacy is essential for financial success.
財務知識對於財務成功來說是必要的。
The ability to distinguish between assets and liabilities is crucial.
區分資產與負債的能力是至關重要的。
Traditional education often does not provide sufficient financial knowledge.
傳統教育通常無法提供足夠的財務知識。
To achieve financial freedom, individuals should focus on acquiring income-generating assets.
為了達到財務自由，個人應該專注於獲取可以產生收入的資產。
Liabilities can lead to financial problems and should be minimized.
負債可能導致財務問題，應該將其降到最低。
英文檢定綜合試題
What is the main argument of this chapter?
A. The importance of acquiring assets
B. The need to minimize expenses
C. The value of financial literacy
D. The drawbacks of traditional education
Answer: C
解析：這一章的主要論點是強調財務知識的價值。
According to Kiyosaki, what should individuals focus on to attain financial freedom?
A. Earning a high income
B. Limiting their expenses
C. Acquiring assets that generate income
D. Avoiding all forms of liabilities
Answer: C
解析：根據Robert的說法，個人應該專注於獲取可以產生收入的資產，以達到財務自由。
What does Kiyosaki believe traditional education lacks?
A. Practical skills
B. Financial knowledge
C. Critical thinking
D. Technical expertise
Answer: B
解析：Robert認為傳統教育缺乏的是財務知識。
Chapter 4: Mind Your Own Business
In Chapter 4, Robert Kiyosaki continues to share the lessons he learned from his Rich Dad. The main topic is the importance of minding one's own business. He points out that most people spend their lives working for someone else, never focusing on their own financial interests. People often confuse their profession with their business and neglect accumulating assets that generate income.
在第四章中，Robert Kiyosaki繼續分享他從他的富爸爸那裡學到的課程。主要的主題是注意自己的生意的重要性。他指出，大多數人一生都在為別人工作，從未專注於自己的財務利益。人們經常將他們的專業與他們的生意混淆，並忽視累積產生收入的資產。
Neglect (忽視)
People often confuse their profession with their business and neglect accumulating assets that generate income.
人們經常將他們的專業與他們的生意混淆，並忽視累積產生收入的資產。
Accumulating (累積)
People often neglect accumulating assets that generate income.
人們經常忽視累積產生收入的資產。
Key Points
The main topic of Chapter 4 is the importance of minding one's own business.
章節四的主要主題是注意自己生意的重要性。
Robert Kiyosaki emphasizes that most people spend their lives working for others, never focusing on their own financial interests.
Robert Kiyosaki強調，大多數人一生都在為他人工作，從未專注於自己的財務利益。
He points out that people often confuse their profession with their business.
他指出，人們經常將他們的專業與他們的生意混淆。
The author advises not to neglect accumulating assets that generate income.
作者建議不要忽視累積產生收入的資產。
英文檢定綜合試題
What is the main topic of Chapter 4?
A. The importance of minding one's own business
B. The importance of working for others
C. The importance of accumulating assets
D. The importance of focusing on financial interests
Answer: A
解析：章節四的主要主題是注意自己生意的重要性。
Who do most people spend their lives working for, according to Robert Kiyosaki?
A. Themselves
B. Their family
C. Others
D. Their business
Answer: C
解析：根據Robert Kiyosaki的說法，大多數人一生都在為他人工作。
What do people often confuse their profession with?
A. Their hobbies
B. Their business
C. Their financial interests
D. Their assets
Answer: B
解析：人們經常將他們的專業與他們的生意混淆。
What does the author advise not to neglect?
A. Minding one's own business
B. Working for others
C. Accumulating assets
D. Focusing on financial interests
Answer: C
解析：作者建議不要忽視累積資產。
Chapter 5: The History of Taxes and the Power of Corporations
In "Rich Dad, Poor Dad," Chapter 5, Lesson 4, Robert Kiyosaki delves into the history of taxes and the power of corporations. He starts by explaining that taxes were initially brought in to finance wars and were expected to be temporary. However, as governments became more reliant on this income, they became a permanent fixture. He then moves on to discuss the introduction of income tax, which he argues was created to target the rich but has gradually shifted onto the middle class.
在《富爸爸，窮爸爸》的第五章第四課，Robert Kiyosaki深入探討了稅收的歷史和公司的權力。他首先解釋稅收最初是為了資助戰爭而引入的，並且預期是臨時的。然而，隨著政府越來越依賴這筆收入，稅收變成了一種永久性的東西。然後，他討論了所得稅的引入，他認為這是為了對富人徵稅，但逐漸轉移到了中產階級。
delve (深入)
He delves into the history of taxes.
他深入探討了稅收的歷史。
Initially (最初、一開始)
Initially, he struggled with the new job, but he improved over time.
一開始他在新工作上有些吃力，但隨著時間表現越來越好。
Reliant (依賴的、仰賴的)
She is heavily reliant on her phone for daily tasks.
她在日常事務上非常仰賴手機。
fixture (固定裝置)
Taxes have become a permanent fixture.
稅收已經成為一種永久性的固定裝置。
shift (轉移)
Taxes have gradually shifted onto the middle class.
稅收已經逐漸轉移到中產階級。
Kiyosaki argues that corporations hold immense power because they can control their before-tax income by adjusting expenses, assets, and liabilities. He calls this process "pre-tax cash flow management." This allows corporations to legally minimize their tax obligations, whereas individuals are taxed on their gross income before they can deduct their expenses. Thus, Kiyosaki posits that owning a corporation is one way to minimize one's tax liability and build wealth.
Robert認為，公司擁有巨大的權力，因為它們可以通過調整支出、資產和負債來控制稅前收入。他稱這個過程為「稅前現金流管理」。這使得公司可以合法地最小化他們的稅負，而個人則在他們可以扣除支出之前就被對其總收入徵稅。因此，Robert認為，擁有一家公司是一種最小化稅負並建立財富的方式。
corporation (公司)
Corporations hold immense power.
公司擁有巨大的權力。
Immense (巨大的、龐大的)
The project required an immense amount of time and effort.
這個專案需要投入大量的時間與心力。
obligation (義務)
Corporations can legally minimize their tax obligations.
公司可以合法地最小化他們的稅負。
Deduct (扣除、減去)
You can deduct certain expenses from your taxable income.
你可以從應稅收入中扣除特定的支出。
posits (認為)
Kiyosaki posits that owning a corporation is one way to minimize tax liability.
Robert認為，擁有一家公司是一種最小化稅負的方式。
Key Points
Taxes were initially brought in to finance wars but have become a permanent fixture.
稅收最初是為了資助戰爭而引入的，但已經成為了一種永久性的裝置。
Income tax was created to target the rich but has gradually shifted onto the middle class.
所得稅是為了對富人徵稅而創建的，但已經逐漸轉移到了中產階級。
Corporations have the power to control their before-tax income by adjusting expenses, assets, and liabilities.
公司有權力通過調整支出、資產和負債來控制他們的稅前收入。
Corporations can legally minimize their tax obligations.
公司可以合法地最小化他們的稅負。
Owning a corporation is one way to minimize one's tax liability and build wealth.
擁有一家公司是一種最小化稅負並建立財富的方式。
英文檢定綜合試題
Why were taxes initially introduced according to Kiyosaki?
A. To fund welfare programs
B. To finance wars
C. To control inflation
D. To reduce income inequality
Answer: B
解析：根據Robert的說法，稅收最初是為了資助戰爭而引入的。
Who was the initial target of income tax?
A. The middle class
B. The poor
C. The rich
D. All citizens equally
Answer: C
解析：所得稅最初的目標是富人。
How can corporations control their before-tax income?
A. By adjusting their profits
B. By adjusting their expenses, assets, and liabilities
C. By lobbying the government
D. By evading taxes
Answer: B
解析：公司可以通過調整他們的支出、資產和負債來控制他們的稅前收入。
What is one way to minimize one's tax liability and build wealth according to Kiyosaki?
A. By getting a high-paying job
B. By investing in real estate
C. By owning a corporation
D. By avoiding taxes
Answer: C
解析：根據Robert的說法，一種最小化稅負並建立財富的方式是擁有一家公司。