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What can you learn from this?!

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.
美国人年收入在10 万美元以上。一位精通药品贸易的商务顾问曾经告诉我,有许多医生、
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 resigned5 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.
1969 年,我从美国海运学院毕业了。我那有学识的爸爸十分高兴,因为加州标准石油
公司录用我为它的油轮队工作。尽管我的未来前程远大,但我还是在6 个月后辞职离开了这
ob 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, navigating6 large
freighters7, oil tankers and passenger ships to the Far East and the South Pacific. While most of
my classmates, including Mike, were partying at their fraternity8 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 acronym9 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 means10.” 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 Race11”. Once people are
trapped in the lifelong process of bill paying, they become like those little hamsters12 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.
常言道,“工作(job )就是‘比破产强一点(Just Over Broke)’的缩写”。然而不幸的
而不是只看能挣到多少。在选择某种特定职业之前或是陷入 “老鼠赛跑(激烈的竞争)”之
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.

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