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第12部分（第1页）

nged　when　he　did　not　approve　of　them。

Here　was　a　man　who　had　not　gone　along　with　the　crowd。

　　　He　was　a　man　who　did　his　own　thinking　and　detested　the　words；　〃We　have　to　do　it　this　way　because　thats　the　way　everyone　else　does　it。

〃　He　also　hated　the　word　〃cant。

〃　If　you　wanted　him　to　do　something；　just　say；　〃I　dont　think

you　can　do　it。

〃

Mike　and　I　learned　more　sitting　at　his　meetings　than　we　did　in　all　our　years　of　school；　college　included。

　Mikes　dad　was　not　school　educated；　but　he　was　financially　educated　and　successful　as　a　result。

　　He　use　to　tell　us　over　and　over　again。

　　〃An　intelligent　person　hires　people　who　are　more　intelligent　than　they　are。

〃　So　Mike　and　I　had　the　benefit　of　spending　hours　listening　to　and；　in　the　process；　learning　From

intelligent　people。

But　because　of　this；　both　Mike　and　I　just　could　not　go　along　with　the　standard　dogma　that　our　teachers　preached；　And　that　caused　the　problems。

　Whenever　the　teacher　said；　〃If　you　dont　get　good　grades；　you　wont　do　well　in　the　real　world；〃　Mike　and　I　just　raised　our　eyebrows。

　When　we　were　told　to　follow　set　procedures　and　not　deviate　from　the　rules；　we　could　see　how　this　schooling　process　actually　discouraged　creativity。

　We　started　to　understand　why　our　rich　dad　told　us　that　schools　were　designed　to　produce　good　employees　instead　of　employers。

Occasionally　Mike　or　I　would　ask　our　teachers　how　what　we　studied　was　applicable；　or　we　asked　why　we　never　studied　money　and　how　it　worked。

　To　the　later　question；　we　often　got　the　answer　that　money　was　not　important；　that　if　we　excelled　in　our　education；　the　money　would　follow。

The　more　we　knew　about　the　power　of　money；　the　more　distant　we　grew　from　the　teachers　and　our　classmates。

My　highly　educated　dad　never　pressured　me　about　my　grades。

　I　often　wondered　why。

　　But　we　did　begin　to　argue　about　money。

　By　the　time　I　was　16；　I　probably　had　a　far　better　foundation　with　money　than　both　my　mom　and　dad。

　　I　could　keep　books；　I　listened　to　tax　accountants；　corporate　attorneys；　bankers；　real　estate　brokers；　investors　and　so　forth。

　　My　dad　talked　to　teachers。

One　day；　my　dad　was　telling　me　why　our　home　was　his　greatest　investment。

　A　not…too…pleasant　argument　took　place　when　I　showed　him　why　I　thought　a　house　was　not　a　good　investment。

The　following　diagram　illustrates　the　difference　in　perception　between　my　rich　dad　and　my　poor　dad　when　it　came　to　their　homes。

　One　dad　thought　his　house　was　an　asset；　and　the　other　dad　thought　it　was　a　liability。

I　remember　when　I　drew　a　diagram　for　my　dad　showing　him　the　direction　of　cash　flow。

　　I　also　showed　him　the　ancillary　expenses　that　went　along　with　owning　the　home。

　A　bigger　home　meant　bigger　expenses；　and　the　cash　flow　kept　going　out　through　the　expense　column。

Today；　I　am　still　challenged　on　the　idea　of　a　house　not　being　an　asset。

　And　1　know　that　for　many　people；　it　is　their　dream　as　well　as　their　largest　investment。

　And　owning　your　own　home　is　better　than　nothing。

　I　simply　offer　an　alternate　way　of　looking　at　this　popular　dogma。

　If　my　wife　and　I　were　to　buy　a　bigger；　more　flashy　house　we　realize　it　would　not　be　an　asset；　it　would　be　a　liability；　since　it　would　take　money　out　of