金持ち父さんと貧乏父さんを読んで中流階級をどう抜け出すか考えてみた

不動産や株など、投資の本を読んでいると必ず出てくる金持ち父さんと貧乏父さん。初めて読んでみましたが、非常に興味深い内容でした。さすがにいろいろな投資関係の本で「金持ち父さんの本を読んで感銘を受けて」と感想に書かれるだけあります。

主人公が子どもの頃に影響を受けた、実の父と育ての父、両方からどのように影響を受けたかというお話で、私は間違いなく貧乏父さんだなと苦笑いしました。子どもに対して本当の意味でのお金の教育をしていないし、何より自分自身が会社員として、給料貰っては浪費してという生活をしているなと。

よい大学に行き、よい会社に入る。仕事を頑張って出世して、家族を築く。子どもたちをよい学校に入れて、自身は豊かな老後を送る。そんな理想を描いても働き続ける人生は働き方改革がうたわれている今日でさえ、なお厳しい。先が見えない生活を繰り返しているのを、当然と捉えている人が多いと思います。でも、それがいかにおかしいかを本書は丁寧に教えてくれます。

我が家はまだ子どもが小さいので、例えば子どもから「これいくら?」と聞かれるとつい、子どもはいいの、と答えたりしていました。私自身も親からそういわれて育ってきたし、お金に対する宗教観のようなものだと思います。全うな仕事をして必要なだけのお金を稼ぐ。それが日本人の美学なのかも。

お金があれば物を買うことができて幸せになれるだろうと思いながらお金のために働き続ける、これも残酷なことだ。

なぜ、稼いだ分、支出も増えるのでしょうか。使っているのではなく投資していると言いたい部分もあります。ですが、ほとんどの人は生活レベルをあげてしまうんですよね。その結果、働き続けなくてはならない。お金に働かせるという発想を持つことなく、生活に消費してしまっているのです。

住宅は資産ではなく負債である。

はい、すみません。資産だと思ってました。だっていつか売れるし。でも、ただ住んでるだけなら負債なんですよね。住宅ローン借りて、負債のためにお金を稼ぎ続ける。完全に中流以下確定ですね。身に染みました。資産にするかは、どうその負債からお金を発生させるかが大事ですね。

自分に対する支払いをまずすませる

普通の人は日々の支払いの結果残ったお金を投資に回している。そうではなくて、何が重要かと考えたら、「まず自分に支払え」ということです。自分への投資が一番重要だということ、これは教育でもそうだしお金の使い方でもそうなんだと強く感じました。

「お金をもうけるにはお金が必要だ」という考え方は、お金に関してあまり高度な知識を持たない人間の考えることだ。

本書では何度もファイナンシャルインテリジェンスを高めること、投資に対して正しい理解をする事(リスクがあるからと盲目的に否定しない)を繰返し説いています。私も原資は銀行で借りるしかないと思っていましたが、色々な方法がアイデア一つであるわけですね。時代と共に方法は変わっていくけど、本質を理解していれば応用が出来るわけです。

この本を読んで、やはり行動に起こさないと行けないと思いました。負債ではなく資産を持つ。お金に働いてもらう方法を勉強知る。2018は行動する年にしたい。ぜひスタートを切っていこうとおもいます。

1,591 件のコメント

  • Howdy! This is my 1st comment here so I just wanted to give a quick
    shout out and tell you I really enjoy reading your posts.
    Can you recommend any other blogs/websites/forums that go over the same subjects?
    Thank you so much!

  • I do believe all the ideas you’ve introduced to your post.
    They’re very convincing and can certainly work.
    Nonetheless, the posts are too quick for novices.
    Could you please prolong them a little from next time? Thank you for
    the post. aubameyang Fodboldtrøje Børn

  • When I initially commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get three
    e-mails with the same comment. Is there any way you can remove me from that service?
    Thank you!

  • Hey There. I found your blog the usage of msn. This is a very neatly written article.

    I’ll make sure to bookmark it and return to read extra of
    your helpful information. Thanks for the post.
    I’ll certainly return.

  • An impressive share! I’ve just forwarded this onto a colleague who had been doing a little research on this.
    And he in fact bought me dinner due to the fact that I found it for him…
    lol. So let me reword this…. Thanks for the meal!!
    But yeah, thanx for spending time to talk about
    this subject here on your web page.

  • I love your blog.. very nice colors & theme. Did you make this website yourself or did you hire someone to do
    it for you? Plz answer back as I’m looking to construct my own blog and would like to find out where u got this from.
    thank you

  • I all the time used to study article in news papers but now as
    I am a user of net thus from now I am using net for articles or reviews, thanks to web.

  • My partner and I absolutely love your blog and find a lot of your post’s to be exactly what I’m looking for.
    Would you offer guest writers to write content to suit your needs?
    I wouldn’t mind publishing a post or elaborating on a lot of the subjects
    you write about here. Again, awesome site!

  • Howdy I am so excited I found your weblog, I really found you by error,
    while I was looking on Digg for something else,
    Anyhow I am here now and would just like to say cheers for a fantastic post and
    a all round entertaining blog (I also love the theme/design), I don’t have time to read through it all at the minute but I have book-marked it
    and also added in your RSS feeds, so when I have time I will be back to read a lot more, Please
    do keep up the fantastic jo.

  • Attractive portion of content. I simply stumbled
    upon your blog and in accession capital to assert that I acquire in fact
    enjoyed account your weblog posts. Anyway I will be
    subscribing on your feeds and even I success you get admission to consistently rapidly.

  • Hello just wanted to give you a quick heads up. The words in your post seem
    to be running off the screen in Firefox. I’m not sure if this is a format issue or something to do with
    web browser compatibility but I thought I’d post to let you know.
    The design look great though! Hope you get the issue fixed
    soon. Kudos

  • Greate pieces. Keep writing such kind of information on your site.

    Im really impressed by it.
    Hey there, You have done a great job. I will certainly digg it and for my
    part suggest to my friends. I’m confident they’ll be benefited from this site.

  • Hi there! I could have sworn I’ve been to this website before but after browsing through
    some of the post I realized it’s new to me.
    Anyhow, I’m definitely happy I found it and I’ll be book-marking and checking back
    frequently!

  • Howdy very nice web site!! Guy .. Beautiful .. Amazing .. I’ll bookmark your website and take
    the feeds also? I am glad to search out numerous useful
    information right here within the submit, we’d like work out extra strategies
    on this regard, thank you for sharing. . . . . .

  • This design is incredible! You certainly know how to keep a reader
    entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Wonderful job.
    I really enjoyed what you had to say, and more than that, how you presented it.
    Too cool!

  • Excellent beat ! I would like to apprentice while you amend your web
    site, how could i subscribe for a blog website?

    The account aided me a acceptable deal. I had been tiny bit
    acquainted of this your broadcast offered bright clear idea

  • I believe what you said was actually very reasonable.

    However, what about this? what if you added a little information? I mean, I
    don’t want to tell you how to run your blog, however suppose you added a headline that grabbed folk’s attention? I mean 金持ち父さんと貧乏父さんを読んで中流階級をどう抜け出すか考えてみた | とーとログ  is a little plain. You might glance at Yahoo’s front page
    and note how they create article titles to
    get viewers to open the links. You might try adding a video or a pic or two to get readers excited about everything’ve got
    to say. In my opinion, it could bring your posts a little bit more interesting.

  • I just like the valuable information you provide
    to your articles. I’ll bookmark your blog and check again right here frequently.
    I’m somewhat sure I will be informed lots of new stuff proper right here!
    Good luck for the following!

  • Hello! I understand this is sort of off-topic however I needed to ask.
    Does building a well-established blog such as yours
    take a lot of work? I am completely new to operating a blog but I do write
    in my journal on a daily basis. I’d like to start a blog
    so I can easily share my experience and thoughts online.
    Please let me know if you have any kind of recommendations or tips for brand new aspiring bloggers.
    Appreciate it!

  • I blog quite often and I truly thank you for your content. The
    article has truly peaked my interest. I will take a note of
    your site and keep checking for new information about once per week.
    I subscribed to your RSS feed too.

  • Having read this I believed it was rather informative.
    I appreciate you finding the time and energy to
    put this article together. I once again find myself spending a lot of
    time both reading and posting comments. But so what, it was still worthwhile!

  • It’s a shame you don’t have a donate button! I’d most certainly donate to this brilliant blog!

    I guess for now i’ll settle for book-marking and adding your RSS feed to my Google account.
    I look forward to new updates and will share this website with my Facebook group.
    Talk soon!

  • It’s a pity you don’t have a donate button! I’d without a doubt donate to this superb blog!

    I guess for now i’ll settle for bookmarking and adding your RSS feed to my Google account.
    I look forward to fresh updates and will talk about this
    site with my Facebook group. Chat soon!

  • Heya just wanted to give you a quick heads
    up and let you know a few of the pictures aren’t loading properly.
    I’m not sure why but I think its a linking issue.
    I’ve tried it in two different browsers and both show the same results.

    plenty of fish natalielise

  • I am really enjoying the theme/design of your website. Do
    you ever run into any browser compatibility problems?
    A couple of my blog readers have complained about my website not operating correctly in Explorer but looks great in Firefox.

    Do you have any ideas to help fix this problem?

  • Hey this is kind of of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML.

    I’m starting a blog soon but have no coding skills
    so I wanted to get guidance from someone with experience.

    Any help would be greatly appreciated!

  • This is where the concept memory comes in, because it’s like the foam remembers your bodyshape, allowing you the perfect rest every single period.7 said they want media items (books, CDs, video games) and 35.While they can bend to the shape that you liein it, it’s more ‘general’ rather then the specificsupport that memory foam can do.

  • I’m truly enjoying the design and layout of your site.

    It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out
    a developer to create your theme? Fantastic work!

  • I think that is among the such a lot important information for me.
    And i am satisfied reading your article. But should statement on few general things,
    The website style is ideal, the articles is in reality excellent : D.
    Good process, cheers

  • I’m curious to find out what blog system you are working with?
    I’m experiencing some small security issues with
    my latest website and I’d like to find something more safeguarded.
    Do you have any suggestions?

  • Do you mind if I quote a couple of your articles as long as I provide
    credit and sources back to your weblog? My website is in the exact same niche as yours
    and my users would certainly benefit from some of the information you present
    here. Please let me know if this ok with you. Regards!

  • Woah! I’m really loving the template/theme of this website.
    It’s simple, yet effective. A lot of times it’s tough to get that “perfect balance” between superb usability and appearance.
    I must say you’ve done a superb job with this. Additionally,
    the blog loads super quick for me on Firefox. Excellent Blog!

  • You actually make it seem so easy with your presentation but I to find this topic to be really one thing that I think I would never understand.
    It sort of feels too complex and very vast for me.
    I am looking ahead on your subsequent publish, I’ll try to get the hang of
    it!

  • Simply desire to say your article is as surprising. The clarity for your submit is simply cool and i
    could think you’re an expert in this subject.

    Well together with your permission let me to seize your feed to stay up to
    date with coming near near post. Thank you
    one million and please continue the rewarding work.

  • Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point.
    You clearly know what youre talking about, why waste
    your intelligence on just posting videos to your blog when you
    could be giving us something informative to read?

  • Hello I am so glad I found your blog, I really found you by mistake,
    while I was browsing on Askjeeve for something else, Regardless I am here now and would just
    like to say cheers for a fantastic post and a all round entertaining blog (I also love
    the theme/design), I don’t have time to browse it all at the moment but I have saved it and also added in your RSS feeds, so when I
    have time I will be back to read a lot more, Please do keep up the fantastic b.

  • I like the helpful information you provide in your articles.
    I’ll bookmark your blog and check again here frequently.
    I am quite sure I will learn lots of new stuff right here!
    Good luck for the next!

  • Thanks on your marvelous posting! I really enjoyed reading it, you’re a
    great author.I will be sure to bookmark your blog and will come back at some point.
    I want to encourage you to ultimately continue your great writing, have a nice day!

  • Hey There. I discovered your weblog the use of msn. This is a really neatly written article.

    I’ll be sure to bookmark it and return to learn extra of your helpful information. Thanks for the post.
    I’ll definitely return.

  • Do you mind if I quote a couple of your articles as long as I provide credit and sources back to your website?

    My blog is in the very same area of interest as yours and my visitors
    would truly benefit from a lot of the information you present here.
    Please let me know if this alright with you.
    Thanks a lot!

  • It’s a shame you don’t have a donate button! I’d certainly donate to this superb blog!

    I suppose for now i’ll settle for book-marking
    and adding your RSS feed to my Google account.
    I look forward to new updates and will share this
    website with my Facebook group. Talk soon!

  • I’m now not positive where you are getting your info, however great topic.
    I must spend a while studying much more or working
    out more. Thanks for great information I used to be searching for this information for my mission.

  • Whats up very nice blog!! Guy .. Beautiful ..
    Wonderful .. I’ll bookmark your site and take the feeds also?

    I am satisfied to find so many helpful info right here in the
    put up, we’d like work out extra techniques
    in this regard, thank you for sharing. . . . . .