Second Chance Buchzusammenfassung - das Wichtigste aus Second Chance

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Zusammenfassung von Second Chance

Name: Second Chance
Rating: 4.4 (208 reviews)
Author: Robert T. Kiyosaki

Robert T. Kiyosaki

For Your Money, Your Life and Our World

4.4 (208 Bewertungen)

15 Min.

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Wealth Inspiration

Inhaltsübersicht

Second Chance
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Kernaussage 1 von 7

What’s in it for me? Discover why the gap between the rich and the poor is so big.

When the financial crisis hit in 2007–2008, a bewildered public struggled to come to grips with what had just happened. This was an extreme situation, no doubt, but when it comes to economics in general and how to become rich in particular, many of us still labor under a number of misconceptions.

For instance, most people still think the way to get rich is to get a degree, find a good job and work hard. As these blinks will show you, nothing could be further from the truth. Not even a well-paid job will make you rich. Our current financial system is simply not set up that way.

There is only one way to get truly wealthy: by owning and capitalizing on assets. But how do you do it? These blinks will show you.

In these blinks, you’ll learn

how banks create money;
why getting a well-paid job won’t make you rich; and
why you weren’t taught finances in school.

The American economic system is based on inflation and robs people of their wealth.

The phrase “The poor get poorer and the rich get richer” might sound like something from a cowboy film but in the United States it’s never been more true.

Regular people are robbed of their wealth because the system is based on inflation. Inflation is certainly bad for the average person – it means the money they’ve worked hard to earn is suddenly less valuable. To make matters worse, inflation encourages people to put more of their money into their savings, but that’s actually another cause of inflation. Here’s why.

When you deposit your savings into a bank, the bank then lends your money out to debtors. However, banks lend out much more than they receive in deposits.

Prior to the crash of 2007, banks had a lending limit of $34, meaning they could only lend out $34 for every dollar they actually had. But that increase in the money supply causes inflation, making your one dollar worth much less.

This sort of wild lending periodically results in financial bubbles, which the monetary system then answers with bailouts. Bailout money is taken from taxpayers, meaning bailouts are actually built into the system. That’s another way the current monetary system creates poverty.

However, bailouts and a system of inflation are only harmful to the people who work for a paycheck: employees, freelancers, small businesses and specialists. These are the groups that pay the highest taxes and tend to keep their savings in the bank.

This is why the middle class is shrinking so quickly. In 1970, 50.3 percent of Americans earned a middle class income, but by 2010, that figure had decreased to 42.2 percent.

Most people aren’t well-educated on financial issues.

There are a number of different views of wealth but one thing is certain: everyone wants to be wealthy. Unfortunately, schools teach people how to be poor instead.

Modern education is designed to turn people into employees, taxpayers and consumers. People often assume that education is the solution to poverty: if you study harder, you’ll get a better job and earn more.

You can’t become wealthy without adequate financial education.

When people say you need to be educated to be wealthy, they usually mean you need to go to university and get a degree. What you actually need is financial education.

Schools don’t teach financial education because it’s too powerful. Financial education means looking beyond traditional explanations and gaining the knowledge necessary to create more assets – and it has the power to make you wealthy. In the past, slaves weren’t allowed to read and write, because it would’ve given them too much power over their owners. These days, most people are deprived of financial education for the same reason.

Assess your financial situation and start building your assets.

You might think it’s easy to determine whether someone is rich or poor but it’s actually not that simple. You can still be poor even if you live in a nice house and drive an expensive car.

If you want to change your financial situation, you first need to know where you stand. You need an income statement, where you write down your income and expenses, and a balance sheet where you keep track of your assets and liabilities.

Choose the future you want – then aim for it.

As we’ve seen, having a degree doesn’t necessarily make you wealthier. Financial education is the key to success, but where do you actually start studying?

First, you need to figure out what kind of future you want for yourself. Remember: being wealthy isn’t the most important thing in life. Some people are much happier working a nine-to-five job for their entire life than tackling a high-powered career.

Learn practical thinking skills through experience and practice.

One of the biggest differences between rich and poor people is their intelligence, but it’s not the kind of intelligence measured in school. You’re considered smart in school if you have a good memory and learn to read and write quickly, but in the real world, different skills help you get ahead.

For entrepreneurs, intelligence is all about handling risks and financial losses, learning from mistakes and staying level-headed. Entrepreneurs build their businesses from the ground up using practical skills that are much more important than remembering who the 36th president was.

Don’t be afraid of debt – go into it to create assets.

Most people follow simple rules regarding debt: work hard, stay out of debt and you’ll be OK. But as an entrepreneur, debt might be your new best friend.

Debt can actually be a powerful tool for gaining leverage. Most people assume that if they work harder, they’ll earn more and become rich. In fact, the opposite often happens: they fall into a higher tax rate and earn even less.

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Worum geht es in Second Chance?

Second Chance (2015) outlines the reasons for the growing wealth gap in the United States and offers advice on working your way up the economic ladder. It explains how you can leverage assets and debt to enjoy more financial success in your future, while lifting your nose from the daily grindstone.

Bestes Zitat aus Second Chance

Simply said, money is designed to keep people poor and slaves to those who control the monetary system.

—Robert T. Kiyosaki

Wer Second Chance lesen sollte

Hard workers who never seem to get ahead
Anyone interested in working less and earning more
People who want to beat the financial system

Über den Autor

Robert T. Kiyosaki is the bestselling author of Rich Dad Poor Dad. He’s also an investor, businessman and radio personality.

Kategorien mit Second Chance

Money & Investments

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