Duniya mein do tarah ke log hote hain. Pehle woh jo zindagi bhar paise ke liye kaam karte hain, aur dusre woh jo paison se apne liye kaam karwate hain. Jab baat personal finance aur ameer banne ke mindset ki aati hai, to Robert Kiyosaki ki kitab "Rich Dad Poor Dad" ko ek Geeta ya Bible ki tarah dekha jata hai.
Yeh kitab salkon pehle likhi gayi thi, lekin iske niyam aaj ke daur mein (chahe woh 2026 ho ya aane wala koi bhi saal) bilkul sateek baithte hain. Agar aap bhi vahi purani padhai-likhai aur 9-to-5 ki chakki mein pis kar thak chuke hain aur aarthik roop se azaad (Financially Free) hona chahte hain, to yeh post aapke liye hai.
Aaj hum baat karenge un Rich Dad Poor Dad money lessons ke baare mein, jo aaj ke daur mein bhi aapko financial guru bana sakte hain.
Secret 1: Assets aur Liabilities Ke Beech Ka Asli Farq Samjhein
Robert Kiyosaki kehte hain ki zyadatar log isliye gareeb ya middle-class reh jaate hain kyunki unhe lagta hai ki woh 'Asset' kharid rahe hain, jabki asal mein woh 'Liability' ghar lekar aa rahe hote hain.
Aasan bhasha mein inka farq samajh lijiye:
Asset (सम्पत्ति): Yeh woh cheez hai jo aapki pocket mein paisa daalti hai. Jaise- Stocks, Mutual Funds, Rental Property, ya koi chota business.
Liability (दायित्व): Yeh woh cheez hai jo aapki pocket se paisa nikalti hai. Jaise- Mehangi gaadi, expensive smartphone, ya credit card ka debt.
Aaj ke daur mein ise kaise apply karein?
Zor is baat par dein ki aapki income ka ek bada hissa Assets kharidne mein jaye. Jab aap ek naya iPhone EMI par lete hain, to aap ek liability badha rahe hain. Iske bajay, agar aap us EMI ke paise se kisi acche fund mein SIP shuru kar dein, to aap ek Asset bana rahe hain.
Secret 2: Ameer log paise ke liye kaam nahi karte
Hamare 'Poor Dad' (jo bohot padhe-likhe professional the) hamesha kehte hain: "Acche se padho, acche grades lao taaki ek safe aur secure job mil sake." Wahin 'Rich Dad' ka kehna tha ki job se aap sirf apne kharche chala sakte hain, ameer nahi ban sakte.
Ameer log paise ke peeche nahi bhagte, balki woh ek aisa system khada karte hain jahan paisa unke liye din-raat kaam karta hai. Ise hum Passive Income bhi kehte hain.
Keypoints: System Kaise Banayein?
Sirf ek income source (Salary) par nirbhar na rahein.
Apni salary ke paison se pehle khud ko pay karein (Pay Yourself First) aur use turant invest karein.
Aisa business ya investment portfolio banayein jahan aap so rahe hon, tab bhi aapka paisa grow ho raha ho.
Secret 3: Financial Literacy (Paise ki samajh) Degree se zyada zaoori hai
Aapne aise bohot se doctors, engineers, ya managers dekhe honge jo mahine ka lakhon rupaye kamate hain, lekin mahine ke aakhiri hafte mein unka bank account khali ho jata hai. Kyun? Kyunki unke paas school/college ki degree to hai, lekin Financial Literacy (paise ko manage karne ka gyaan) nahi hai.
School hume yeh to sikhata hai ki paisa kaise kamayein, par yeh koi nahi sikhata ki us kamaye hue paise ko bachayein kaise aur use grow kaise karein.
In 4 Cheezon Ko Seekhna Sabse Zaroori Hai:
Accounting: Finacial statements aur balance sheet ki basic samajh.
Investing: Paisa kahan lagane se safe aur accha return milega (Stocks, Mutual Funds, Real Estate).
Market Understanding: Supply aur demand ka niyam kaise kaam karta hai.
Law/Tax: Government ke tax rules ko samajhkar legally apna tax kaise bachayein.
Secret 4: Mindset Badlein—"Main ise nahi kharid sakta" vs "Main ise kaise kharid sakta hoon?"
Yeh is puri book ka sabse powerful aur dimaag khol dene wala lesson hai. Jab aap kisi mehangi cheez ko dekh kar kehte hain ki "Main ise nahi kharid sakta", to aapka dimaag kaam karna band kar deta hai. Yeh ek tarah se haar maan lena hai.
Lekin jab aap khud se sawal puchte hain ki "Main ise kaise kharid sakta hoon?", to aapka dimaag active ho jata hai. Woh naye ideas, naye businesses, aur extra income ke raste dhoondhne lagta hai.
Mindset Shift Ke Faide:
Aap excuses (bahane) banana band kar dete hain.
Aapka dimaag problem-solver ban jata hai.
Aap side-hustles ya extra income source banane ke baare mein sochne lagte hain.
Secret 5: Risk se darna nahi, use manage karna seekhein
Zindagi mein koi bhi insaan bina risk liye bada nahi bana. Gareeb aur middle-class mindset ke log hamesha 'Safe' khelne ki koshish karte hain. Woh apna paisa FD ya savings account mein rakh dete hain jahan inflation (mehngai) unke paise ki value ko har saal kam karti rehti hai.
Ameer log risk lete hain, lekin woh blind risk (jua) nahi hota. Woh hota hai Calculated Risk. Woh pehle market ko samajhte hain, seekhte hain, aur phir kadam aage badhate hain.
Rich Dad Formula: "Failure se mat daro. Agar aap jeet gaye to aap ameer banenge, aur agar aap haar gaye to aap samajhdar banenge."
Frequently Asked Questions (FAQs)
Q1. Kya "Rich Dad Poor Dad" ke rules aaj ke digital daur mein bhi kaam karte hain?
Ans: Bilkul! Kitab ke niyam universal hain. Aaj ke daur mein asset ka roop badal gaya hai—pehle sirf land ya physical business hote hain, aaj digital assets jaise YouTube channels, Blogs, Crypto, aur New-age Stocks bhi isme shamil hain. Lekin unhe manage karne ka niyam wahi purana hai.
Q2. Kya mujhe ameer banne ke liye apni 9-to-5 job turant chhod deni chahiye?
Ans: Nahi, yeh galti mat kijiyega. Pehle aap apni job ke sath-sath Rich Dad Poor Dad money lessons ko apply karein. Apni salary se assets banayein. Jab aapki assets se aane wali passive income aapki monthly salary se zyada ho jaye, tab aap full-time business ya retirement ka faisla le sakte hain.
Q3. Robert Kiyosaki ke mutabik hamara khud ka ghar (Own House) asset hai ya liability?
Ans: Kitab mein bataya gaya hai ki jis ghar mein aap khud rehte hain, woh ek liability hai kyunki woh aapki pocket se maintenance, tax, aur EMI ke roop mein paisa nikalta hai. Lekin agar aapne koi ghar rent par dene ke liye kharida hai jahan se har mahine rent aa raha hai, to woh aapka asset hai.
Q4. Kam umar mein financial literacy kaise badhayein?
Ans: Iske liye aapko koi mehanga course karne ki zaroorat nahi hai. Aap finance se judi acchi kitabein padhein (jaise The Psychology of Money), finacial blogs padhein (jaise hamara blog Capitoguru), aur market ke basics ko samajhne ke liye chote amount se practical investment shuru karein.
Conclusion (Nishkarsh)
Ameer banna koi chamatkar nahi hai, yeh ek science hai aur isse bhi zyada yeh ek Mindset (soch) hai. Agar aap aaj se hi liabilities ko kam karke assets banana shuru kar dein, financial cheezon ko seekhna shuru karein, aur apne dimaag ko sawal puchna sikhayein, to aapko wealth create karne se koi nahi rok sakta.
In Rich Dad Poor Dad money lessons ko sirf padhein nahi, apni rozana ki zindagi mein utarein.
एक टिप्पणी भेजें