Rich dad and poor dad are more famous than games. Many people have read books, but not many play games. In fact, Robert Toru Kiyosaki's original purpose in writing this book is to introduce and popularize the "cash flow game".
Reading is different from actual combat. All the players in the game have read this book. Some people say that when reading a book, it is not difficult to think about financial quotient, and it is easy to master. However, there are many situations in actual combat, and many people know that it does not mean that it can be done.
The winning rule of cash flow game is: 1, so that your non-wage income is greater than your total expenditure, leaving the "rat race" and entering the "fast lane". Buy your dreams on the "fast lane", such as traveling around the seven wonders of the world, building a library named after yourself, owning your own private jet or yacht, etc.
Life is like a game, but it is different from the game. How to use the simulated "cash flow game" to get yourself into the real "fast lane" of life?
First, look at your financial statements and control your cash flow.
Learning to prepare and read your own financial statements is the first step. Because the premise of jumping out of the mouse race game is that non-wage income is greater than total expenditure. However, some players in the game make investment decisions. For example, they don't know how to fill in the balance sheet and balance sheet when buying a house with a loan. They don't know how to measure the impact of investment on cash flow, and they can't judge which decision to buy or not to buy is correct.
The same is true in reality. It is a basic skill to fill in and understand financial statements correctly. We need to be clear about our assets, liabilities, income, expenses and net cash flow, so as to be clear about our next wealth goal and avoid blind investment. Confident friends are the premise of investment decisions.
Second, it is very important to analyze your real finances and earn the first bucket of gold. It is more difficult for you to earn the first 6.5438+0 million than the second 5 million.
At the beginning of the game, each player will draw a professional card with your occupation, monthly income, monthly expenditure, assets and liabilities, etc. Different occupations correspond to different incomes, expenditures, assets and liabilities. Generally speaking, high-income people consume more, while low-income people consume less.
There are six players in this round of games, and the high-income occupation is doctor 13000 dollars; Middle-income class, managers 5500 dollars, small shopkeepers 4000 dollars, middle school teachers 3500 dollars; Low-income class, truck driver 2200 dollars, doorman 1600 dollars.
Does occupation have anything to do with leaving the "rat race" and entering the "fast lane"? Some people think that whether you can enter the fast lane has nothing to do with your career, but whether you dare to invest boldly.
However, investment depends on primitive accumulation, which is also true in reality. Both large and small enterprises need cash flow. You can't afford to play without money.
If leverage is used, the total loan amount set by each player in the game is 10 times of his monthly cash flow. The borrowing leverage of the high-income class is much greater than that of the low-income class, and the first bucket of gold can be accumulated quickly under the same opportunity; In addition to the basic living expenses of low-income people, the funds available are limited, and the threshold for big business is too high to touch. If there is no good opportunity, even small enterprises need more time to accumulate principal.
Jumping out of the rat race requires our input, but without the original capital, everything is impossible. The first bucket of gold is not easy. It's very important to make the first pot of gold by using occupation, sideline and investment!
Third, follow the trend and seize the opportunity.
After playing the game for a period of time, there will be an obvious wealth gap. The first person to achieve financial freedom is not necessarily the most capable, but he may be lucky and seize the opportunity.
In the game, market cards represent market changes and demands. The key to business success lies in whether this card requires your assets. The dice in the game represent accidental factors. Dice may bring you big business or small business, and it may also bring risks such as wasting extra expenses and unemployment.
Regardless of the game or reality, investing in high-quality projects and rational asset allocation require us to pay more attention to national policies and market changes, instead of being a rabble and following the trend.
Fourth, use cooperation to incite goals that you cannot achieve.
If you don't know how to cooperate with others and integrate resources by joining hands with others, then this may be a pure luck game like gambling.
Especially when the low-and middle-income groups earn their first bucket of gold, if you happen to meet a good project by chance, but the cash flow on hand is limited, do you sit still and give up the opportunity? Or find someone to cooperate to finish what you can't? I think, after all, the power of single-handedness is not as good as cooperation to incite greater achievements!
Fifth, charity, no matter how much money there is, is rewarded.
There are charity opportunities in the game. It is your right to do or not to do, but charity can bring you the opportunity to use two dice at the same time in the next three rounds, which means more opportunities to withdraw cash and invest. The reality is the same, do more good deeds, no matter how much money you spend on charity, good deeds will pay off.
In that year, Zhou Ying became famous, not only because she was the richest man in Shaanxi, but also because she was a philanthropist. When Cixi took refuge in xi 'an, she provided 65438+100002 silver, and was awarded the title of "Mrs. Yipin Yu Ming" by the government. When the people were in trouble, she opened the warehouse to release grain and rebuilt the Confucian Temple, which was widely praised by the people and won a high reputation.
At the end of the cash flow game, one of the six people successfully won, and entered the "fast lane" of M&A from the "mouse race" to buy his dream. The game embodies the curse of the 2080 law, and wealth is always in the hands of a few people.
The game belongs to the game, and the game has its limitations: for example, the cost of having children in the game and unemployment are all accidental results brought by dice, which cannot be avoided, but in reality we can reduce risks and losses through children's education planning and insurance. For another example, in the game, we can see whether the stock is high or low, and what is the return on investment of real estate. However, in reality, the stock market is confusing and the trend of real estate is difficult to judge, so stocks and real estate may not bring positive cash flow like in the game.
However, it is still of great significance to use games to improve financial quotient, cultivate financial thinking and exercise investment ability. Before realizing financial freedom, Robert Toru Kiyosaki usually trained his actual combat ability by playing cash flow games.
Thinking and action may not be able to jump out of the mouse race game, because correct thinking and action are necessary but not sufficient conditions for jumping out of the mouse race game, and opportunity and luck are more important.
In reality, what we can do is to follow the trend, make down-to-earth efforts to accumulate, take the initiative to find opportunities, and improve the odds of jumping out of the "mouse race" game.
Although the reality is far more difficult than the game, after all, the game belongs to the game and we can't afford to lose. Using games to improve our actual combat ability will help us step into the "fast lane" of life as soon as possible.