in the language of money.
There are a lot of ways to be good at something. Being good at money doesn’t always come easily. It’s something you have to learn and practice. You may study economics in school, or even learn how to balance a checkbook in math class, but that’s probably about the extent of financial education in school. And much of what’s taught is theoretical instead of a real vocabulary for real-life situations. School is often about studying instead of practicing.
This book will pick up where school leaves off. It’ll give you the language and understanding you need to feel confident about taking charge of your financial life, whether that means starting your own business or just being able to hold your own in a conversation with someone who might become your financial mentor—your own “rich dad.” While some of your friends might be logging major couch time in front of the TV, getting nowhere, you may very well find yourself updating your financial statement, following your stocks online, or brainstorming about business ideas with other friends who, like you, want to own assets instead of liabilities.
Are you nodding your head yes? Or are you saying, “Huh?” to the terms I just mentioned? No matter how much or how little you know this minute, by the time you finish this book, you’ll be able to speak the language of money more fluently. You’ll begin to understand how money works and how it can work for you. Your journey to financial literacy starts right here, right now.
I actually started to learn about money when I was just nine years old, when Mike’s dad, my rich dad, became my mentor. Now I’ll share with you what rich dad taught me.
Thinking in Numbers
There are other books that tell you in detail how to open a bank account, balance a checkbook, check a stock price, or get a car loan. But they don’t tell you how to think about money. Adults often view money as a “necessary evil”—something needed to pay bills, to count and recount, to obsess and worry about. There just never seems to be enough of it. But like it or not, money is something that will always be in your life, so you need to be comfortable with it—not afraid of it like so many adults are. If you’re educated about how money works, you gain power over it and can begin building wealth.
Financial literacy allows you to not fear money matters, and to see the real value of money. True wealth goes way beyond and is measured by more than cash. Success in life is more than financial success. This is what I learned when I was growing up, and it’s my mission to teach this message to as many young people as I can so that the next generations will be responsible and knowledgeable—and powerful—when it comes to money.
School Is Just the Beginning
Unless you’re planning to become a doctor or lawyer or go into a profession that requires a special degree, you may not need to go to any formal training programs after high school or college to earn money if you look for great learning opportunities in a job. In fact, you can be paid to learn in the real world instead of paying high tuition fees to learn in a classroom setting. Your financial education will train you on the job.
Am I saying that education isn’t important? Not at all. Education is the foundation of success. I’m saying that school is just one place to learn. We go to school to learn scholastic skills and professional skills. For the most part, we learn financial skills out in the real world.
Remember when you were first learning to ride a bike? Chances are, you started with training wheels and then one day you were ready for a two-wheeler. Perhaps someone held the bike for you until you felt steady—and then let go. You might have wobbled a few times or even fallen off once or twice. But most likely, you got back on the bike and tried until you finally learned to balance, through trial and error and brain power.
Wouldn’t it be funny if your parents had taken you to a special bike-riding school? It would have been a waste of their money. There are things you learn in school and other things you learn in life—like how to walk, tie your shoes, ride a bike, and most things that have to do with money.
A new type of education is what I’m talking about. The best doctor in the world might have a great medical education, but not know anything when it comes to finances. He or she might save a life on the operating table, but have trouble running an office that makes money.
Amazing, isn’t it, to think that you might be getting knowledge that your doctor, or your parents, might not have? Now that’s power!
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