手机浏览器扫描二维码访问
s is looking for the plot; the story。 The story of where the cash is flowing。 In 80 percent of most families; the financial story is a story of working hard in an effort to get ahead。 Not because they dont make money。 But because they spend their lives buying liabilities instead of assets。
For instance; this is the cash flow pattern of a poor person; or a young person still at home:
Job (provides ine)…》 Expenses(Taxes Food Rent Clothes Fun Transportation)
Asset (none)
Liability (none)
This is the cash flow pattern of a person in the middle class:
Job (provides ine)…》 Expenses(Taxes Food Mortgage Clothes Fun Transportation)
Asset (none)
Liability (Mortgage Consumer loans Credit Cards)
This is the cash flow pattern of a wealthy person:
Assets(stocks bonds notes real estate intellectual property)…》ine (dividends interest rental ine royalties)
Liabilities (none)
All of these diagrams were obviously oversimplified。 Everyone has living expenses; the need for food; shelter and clothing。
The diagrams show the flow of cash through a poor; middle class or wealthy persons life。 It is the cash flow that tells the story。 It is the story of how a person handles their money; what they do after they get the money in their hand。
The reason I started with the story of the richest men in America is to illustrate the flaw in the thinking of so many people。 The flaw is that money will solve all problems。 That is why I cringe whenever 1 hear people ask me how to get rich quicker。 Or where do they start? I often hear; 〃Im in debt so I need lo make more money。〃
But more money will often not solve the problem; in fact; it may actually accelerate the problem。 Money often makes obvious our tragic human flaws。 Money often puts a spotlight on what we do not know。 That is why; all too often; a person who es into a sudden windfall of cash…lets say an inheritance; a pay raise or lottery winnings…soon returns to the same financial mess; if not worse than the mess they were in before they received the money。 Money only accentuates the cash flow pattern running in your head。 If your pattern is to spend everything you get; most likely an increase in cash will just result in an increase in spending。 Thus; the saying; 〃A fool and his money is one big party;〃 I have said many times that we go to school to gain scholastic skills and professional skills; both important。 We learn to make money with our professional skills。 In the 1960s; when I was in high school; if someone did well in school academically; almost immediately people assumed this bright student would go on to be a medical doctor。 Often no one asked the child if they wanted to be a doctor。 It was assumed。 It was the profession with the promise of the greatest financial reward。
Today; doctors are facing financial challenges I would not wish on my worst enemy; insurance panies taking control of the business; managed health care; government intervention; and malpractice suits; to name a few。 Today; kids want to be basketball stars; golfers like Tiger Woods; puter nerds; movie stare; rock stars; beauty queens; or traders on Wall Street。 Simply because that is where the fame; money and prestige is。 That is the reason it is so hard to motivate kids in school today。 They know that professional success is no longer solely linked to academic success; as it once was。
Because students leave school without financial skills; millions of educated people pursue their profession successfully; but later find themselves struggling financially。 They work harder; but dont get ahead。 What is missing from their education is not how to make money; but how to spend money…what to do after you make it。 Its called financial aptitude…what you do with the money once you make it; how to keep people from taking it from you; how long you keep it; and how hard that money works for you。 Most people cannot tell why they struggle financially because they dont understand cash flow。 A person can be highly educated; professionally successful and financially illiterate。 These people often work harder than they need to because they learned how to work hard; but not how to have their money work for them。
The story of bow the quest for a Financial Dream turns into a financial nightmare。 The moving…picture show of hard…working people has a set pattern。 Recently married; the happy; highly educated young couple move in together; in one of their cramped rented apartments。 Immediately; they realize that they are saving money because two can live as cheaply as
one。
The problem is; the apartment is cramped。 They decide to save money to buy their dream home so they can have kids。 They now have two ines; and they begin to focus on their careers。
Their ines begin to increase。
直击华尔街风暴2 你是聪明还是笨 房价博弈 抄家流放?不慌,空间里有百亿物资 孙子兵法说什么--CEO论道 企业永续发展的领导力模型 闯与创 我一生要练的 国企--背后的故事 兽欲 外汇投资精要:赢在汇市 八大策略变身职场达人 玉娇梨 马云如是说 小时代2.0虚铜时代 贫女翻转职场:底层红颜 秦始皇 灵气复苏:这个奶妈有点猛 一生的理财功课 浮沉
新书我家夫人又败家了已发求收藏,古代美食文,么么哒前世,盛夏怨恨家人的无情抛弃,为贺家人那群白眼狼付出所有,最后却落了个草席一裹,抛尸荒山的下场!重生回到悲剧尚未开始,盛夏发誓今生不会再将真心错付!哪怕吃树皮啃草根,她也要留在家人身边,同甘共苦!改写命运!一家人同心协力,走上致富的康庄大道!携手冷面男神...
养父母待她如珠如宝,她却心心念念的想要回到抛弃她待她如糠如草的亲生父母身边儿,犯蠢的后果就是养母死不瞑目,养父断绝来往,她,最终惨死车轮下重来一次,她要待养父母如珠如宝,待亲生父母如糠如草!至于抢她一切的那个亲姐姐,呵,你以为还有机会吗?哎哎哎,那个兵哥哥,我已经定亲了,你咋能硬抢?!哎哎哎...
一种能帮忙泡妞的异能会给主角的人生带来怎样的奇遇?很简单,进来一看便知!...
(都市热血小说)叶龙曾是世界上公认的文武奇才,所到之处,再强大的敌人也得望风而逃。然而,就是这样的叱咤风云人物却突然放弃耀眼光环,回到灯红酒绿的都市保护大小姐!他性格冷酷张狂,为达到目的不择手段!凭借惊人的本能和超人的智力,在繁华的天骄市上演一场激情四射的热血人生!PS本书读者群128492045(豆丹家族)...
一睁眼回到六零年,上一世是孤儿的明暖这一世拥有了父母家人,在成长的过程中,还有一个他,青梅竹马,咋这么腹黑呢!...
李逸飞,大唐前太子李贤之子,因其父被武则天毒害,从小就被逍遥老人收养,十年之后,学艺有成的李逸飞下山报仇,最后经过与武则天的一番较量终于将女皇降服,成功光复李唐江山,揽江山美人于一身,享受人间帝王之风流。...