《富爸爸穷爸爸》第35章

teachers　union；　campaigning　for　further　protection　and　benefits　for　I　these　highly　skilled　and　educated　professionals。　We　argued　often；　but　I　know　he　never　agreed　that　overspecialization　is　what　caused　the　need　for　union　protection。　He　never　understood　that　the　more　specialized　you　bee；　the　more　you　are　trapped　and　dependent　on　that　specialty。　
Rich　dad　advised　that　Mike　and　I　〃groom〃　ourselves。　Many　corporations　do　the　same　thing。　They　find　a　young　bright　student　out　of　business　school　and　begin　〃grooming〃　that　person　to　someday　take　over　the　pany。 So　these　bright　young　employees　do　not　specialize　in　one　department；　they　are　moved　from　department　to　department　to　learn　all　the　aspects　of　business　systems。　The　rich　often　〃groom〃　their　children　or　the　children　of　others。 By　doing　so；　their　children　gain　an　overall　knowledge　of　the　operations　of　the　business　and　how　the　various　departments　interrelate。
For　the　World　War　II　generation；　it　was　considered　〃bad〃　to　skip　from　pany　to　pany。　Today；　it　is　considered　smart。 Since　people　will　skip　from　pany　to　pany；　rather　than　seek　greater　specialization；　why　not　seek　to　〃learn〃　more　than　〃earn。〃　In　the　short　term；　it　may　earn　you　less。 In　the　long　term；　it　will　pay　off　in　large　dividends。
The　main　management　skills　needed　for　success　are：
1。　The　management　of　cash　flow
2。　The　management　of　systems　（including　yourself　and　time　with　family）。
3。　The　management　of　people。
The　most　important　specialized　skills　are　sales　and　understanding　marketing。　It　is　the　ability　to　selltherefore；　to　municate　to　another　human　being；　be　it　a　customer；　employee；　boss；　spouse　or　childthat　is　the　base　skill　of　personal　success。　It　is　munication　skills　such　as　writing；　speaking　and　negotiating　that　are　crucial　to　a　life　of　success。　It　is　a　skill　that　I　work　on　constantly；　attending　courses　or　buying　educational　tapes　to　expand　my　knowledge。
As　I　have　mentioned；　my　educated　dad　worked　harder　and　harder　the　more　petent　he　became。　He　also　became　more　trapped　the　more　specialized　he　got。　Although　his　salary　went　up；　his　choices　diminished。　Soon　after　he　was　locked　out　of　government　work；　he　found　out　how　vulnerable　he　really　was　professionally。　It　is　like　professional　athletes　who　suddenly　are　injured　or　are　too　old　to　play。　Their　once　highpaying　position　is　gone；　and　they　have　limited　skills　to　fall　back　on。　I　think　that　is　why　my　educated　dad　sided　so　much　with　unions　after　that。　He　realized　how　much　a　union　would　have　benefited　him。
Rich　dad　encouraged　Mike　and　me　to　know　a　little　about　a　lot。　He　encouraged　us　to　work　with　people　smarter　than　we　were　and　to　bring　smart　people　together　to　work　as　a　team。　Today　it　would　be　called　a　synergy　of　professional　specialities。
Today；　I　meet　exschoolteachers　earning　hundreds　of　thousands　of　dollars　a　year。　They　earn　that　much　because　they　have　specialized　skills　in　their　field　as　well　as　other　skills。　They　can　teach　as　well　as　sell　and　market。　I　know　of　no　other　skills　to　be　more　important　than　selling　as　well　as　marketing。　The　skills　of　selling　and　marketing　are　difficult　for　most　people　primarily　due　to　their　fear　of　rejection。　The　better　you　are　at　municating；　negotiating　and　handling　your　fear　of　rejection；　the　easier　life　is。　Just　as　I　advised　that　newspaper　writer　who　wanted　to　bee　a　〃bestselling　author；〃　I　advise　anyone　else　today。 Being　technically　specialized　has　its　strengths　as　well　as　its　weaknesses。 I　have　friends　who　are　geniuses；　but　they　cannot　municate　effectively　with　other　human　beings　and；　as　a　result；　their　earnings　are　pitiful。 I　advise　them　to　just　spend　a　year　learning　to　sell。　Even　if　they　earn　nothing；　their　munication　skills　will　improve。　And　that　is　priceless。
In　addition　to　being　good　learners；　sellers　and　marketers；　we　need　to　be　good　teachers　as　well　as　good　students。　To　be　truly　rich；　we　need　to　be　able　to　give　as　well　as　to　receive。　In　cases　of　financial　or　professional　struggle；　there　is　often　a　lack　of　giving　and　receiving。　I　know　many　people　who　are　poor　because　they　are　neither　good　students　nor　good　teachers。
Both　of　my　dads　were　generous　men。　Both　made　it　a　practice　to　give　first。　Teaching　was　one　of　their　ways　of　giving。　The　more　they　gave；　the　more　they　received。　One　glaring　difference　was　in　the　giving　of　money。　My　rich　dad　gave　lots　of　money　away。　He　gave　to　his　church；　to　charities；　to　his　foundation。　He　knew　that　to　receive　money；　you　had　to　give　money。　Giving　money　is　the　secret　to　most　great　wealthy　families。　That　is　why　there　are　anizations　like　the　Rockefeller　Foundation　and　the　Ford　Foundation。　These　are　anizations　designed　to　take　their　wealth　and　increase　it；　as　well　as　give　it　away　in　perpetuity。
My　educated　dad　always　said；　〃When　I　have　some　extra　money；　I"ll　give　it。〃　The　problem　was；　there　was　never　any　extra。　So　he　worked　harder　to　draw　more　money　in　rather　than　focus　on　the　most　important　law　of　money：　〃Give　and　you　shall　receive。〃　Instead；　he　believed　in　〃Receive　and　then　you　give。〃
In　conclusion；　I　became　both　dads。 One　part　of　me　is　a　hardcore　capitalist　who　loves　the　game　of　money　making　money。　The　other　side　is　"：　a　socially　responsible　teacher　who　is　deeply　concerned　with　this　everwidening　gap　between　the　haves　and　have　nots。　I　personally　hold　the　archaic　educational　system　primarily　responsible　for　this　growing　gap。
CHAPTER　EIGHT
Overing　Obstacles
Once　people　have　studied　and　bee　financially　literate；　they　may　still　face　roadblocks　to　being　financially　independent。　There　are　five　main　reasons　why　financially　literate　people　may　still　not　develop　abundant　asset　columns。　Asset　columns　that　could　produce　large　sums　of　cash　flow。　Asset　columns　that　could　free　them　to　live　the　life　they　dream　of；　instead　of　working　full　time　just　to　pay　bills。　The　five　reasons　are：
1。　Fear。
2。　Cynicism。
3。　Laziness。
4。　Bad　habits。
5。　Arrogance。
Reason　No。　1。　Overing　the　fear　of　losing　money。　I　have　never　met　anyone　who　really　likes　losing　money。　And　in　all　my　years；　I　have　never　met　a　rich　person　who　has　never　lost　money。　But　I　have　met　a　lot　of　poor　people　who　have　never　lost　a　dime。　。　。investing；　that　is。
The　fear　of　losing　money　is　real。　Everyone　has　it。　Even　the　rich。　But　it"s　not　f