Utata osisityebi, uBawo olihlwempu, ebhalwe nguRobert Kiyosaki, yenye yeencwadi ezinempembelelo kwimfundo yezemali kunye nokukhula komntu. Kweli nqaku siza kujongana nohlalutyo olubanzi lwezifundo zayo eziphambili, eyona migaqo inefuthe, kunye nokubaluleka kwale ncwadi kubomi bamawaka abafundi.
Intshayelelo yencwadi ethi Rich Dad, Poor Dad
Le ncwadi isazisa kwimbono yezemali yamanani amabini ootata: "uTata osisityebi" kunye "noTata ohluphekileyo." Ngelixa uTata ohluphekileyo emele isimo sengqondo esisebenza nzima, esigxile ekuzinzeni komsebenzi kunye nomvuzo osisigxina, uTata osisityebi ukhuthaza ukuba ucinge ngendlela eyahlukileyo: ushishino, utyalo-mali kunye nokwenza imali ikusebenzele.
Le ndlela imbini inika uthelekiso olucacileyo lwendlela iimbono ezahlukeneyo ezinokuluphembelela ngayo uhambo lwethu olusingise kuzimele-geqe wezemali kunye nempumelelo. Ukususela kumaphepha ayo okuqala, le ncwadi icela umngeni kubafundi ukuba baphinde bahlole iinkolelo zabo malunga nemali, umsebenzi kunye nokutyala imali.
Izifundo eziphambili ezifundiswa yincwadi
Le ncwadi yakhiwe malunga nezifundo ezininzi eziphambili eziguqula umbono wethu ngemali kunye nobutyebi. Ngezantsi, sihlolisisa nganye nganye.
1. Izityebi azisebenzeli mali
Uninzi lwabantu luthengisa ixesha labo ngemali., uvaleleke kwinto ebizwa ngokuba yiKiyosaki "ugqatso lweempuku." Le ngcamango ibhekiselele kumjikelo ongapheliyo wokusebenza ukuhlawula amatyala, ngaphandle kokudala ingeniso ye-passive exhasa ubomi obukhululekile.
Ngokutsho kombhali, izityebi ziyayiqonda loo nto imali kufuneka ibasebenzele. Bachitha ixesha labo ekufumaneni izinto ezivelisa ingeniso, njengezindlu nomhlaba, isitokhwe, okanye amashishini, kunokuba baxhomekeke emvuzweni kuphela.
2. Ukubaluleka kwemfundo yezemali
Inkqubo yemfundo yemveli ihlala igxile ekulungiseleleni abafundi imisebenzi ekhuselekileyo, kodwa iswele ingqwalasela kulawulo lwemali. U-Kiyosaki ugxininisa ukuba akukho mntu usifundisa indlela yokwenza imali isisebenzele.
Umba woguqulo lwencwadi yinkcazelo yayo ye-asethi kunye namatyala:
- Iimpahla: Izinto ezenza ingeniso, ezifana nezakhiwo zokurenta okanye utyalo-mali lwemali.
- Iimpawu: Izinto ezenza iindleko, njengemali-mboleko okanye imoto.
Umbhali ucela umngeni kwinkolelo eqhelekileyo yokujonga iindawo zethu zokuhlala njengempahla yexabiso, exoxa ukuba azinangeniso xa zingenzi nto.
3. Gcina ishishini lakho
Esi sifundo asibandakanyi ukuqalisa ishishini, kodwa ukutyala imali kwii-asethi ngelixa usebenza njengomsebenzi. Kubalulekile ukwabelwa inxalenye yengeniso kwiiprojekthi ezenza ingeniso yongenzi nto.
Umzekelo ocacileyo nguKiyosaki ngokwakhe, owayesebenza kwinkampani yokufotokopa ngelixa etyala imali kwi-real estate. Ekugqibeleni, ingeniso eyenziwa lutyalo-mali lwakhe yadlula umvuzo wakhe ozinzileyo, nto leyo eyayimvumela ukuba azinikele ixesha elizeleyo kwiiprojekthi zakhe.
4. Imbali yeerhafu kunye namandla eenkampani
Izityebi ziyayiqonda indlela yokusebenzisa i imithetho yerhafu ngokuthanda kwakho. Ngoxa umqeshwa ehlawula irhafu ngokuthe ngqo emvuzweni wakhe, abaqeshi banokutsala iindleko ngaphambi kokuba bahlawule irhafu.
I-Kiyosaki icebisa ukusebenzisa isakhiwo senkampani ukuya ukwandisa ulawulo lwezibonelelo kunye nokunciphisa impembelelo yemali, ukwandisa ukufumaneka kwenkunzi ukuze kutyalwe ngokutsha kwii-asethi.
5. Izityebi ziyila imali
Izityebi azilindi amathuba; bayabadala. Indlela yakhe ibandakanya ukuchonga iindlela ezintsha zeemarike, ukutyala imali ngobuchule kunye nokudibanisa amaqela afanelekileyo ukwandisa impumelelo.
Ngokutsho kukaKiyosaki, izityebi zinezakhono eziphambili ezifana nezi:
- Khangela amathuba apho abanye bangaboni nto.
- Yakha kwaye ukhokele amaqela alumkileyo.
- Thatha imingcipheko ebaliweyo ukuze ufumane inzuzo enkulu.
6. Sebenzela ukufunda, kungekhona ukufumana imali
Endaweni yokukhangela imisebenzi nje ngomvuzo, kubalulekile ukugxila kwimisebenzi evumelayo funda ubuchule obuxabisekileyo. Ezi zakhono azinyusi nje ukukwazi kwethu ukwenza ingeniso, kodwa nokwakha amashishini ethu.
Ezinye zezakhono eziphambili uKiyosaki acebisa ukuba ziphuhliswe ziquka:
- Intengiso kunye neNtengiso.
- Ulawulo lokungena kwemali.
- Uthethathethwano kunye nolawulo lwabantu.
Imiqobo eqhelekileyo kwiNkululeko yezeMali
Le ncwadi ikwajongana nemiqobo emihlanu ephambili ethintela abantu ukuba bafikelele kwinkululeko yezemali:
- Ndiyoyika: Abantu bayoyika ukubeka umngcipheko kwaye bakhetha ukhuseleko lomsebenzi.
- Ubuvila: Ukunqongophala kwenkuthazo yokwenza kunye nokutshintsha imeko yakho yezemali.
- Ulawulo olulambathayo lweendleko: Fumana amatyala endaweni yee-asethi.
- Ukuzikhukhumeza: Becinga ukuba sele besazi yonke into ngemali.
- Ukugxeka: Ukumamela izimvo ezingakhiyo kwabanye ezidimazayo.
Ukoyisa le miqobo kubalulekile kuye nabani na ofuna ukuphumelela ukuzimela ngokwezimali.
Ukufaneleka kukaTata oSityebi, uTata ohluphekileyo namhlanje
Oko yapapashwa ngo-1997, Utata osisityebi, uBawo olihlwempu iye yatshintsha indlela abantu abajonga ngayo imali notyalo-mali. Nangona ezinye iingqikelelo zinokubonakala ziphikisana, iimfundiso zale ncwadi zihlala zifanelekile xa zilungelelaniswa nemingeni yezoqoqosho yangoku.
Namhlanje, ngokunyuka kwetekhnoloji kunye namathuba omvuzo wokungenzi nto ngamaqonga edijithali, imigaqo ekwincwadi isebenza ngakumbi kunangaphambili.
Impembelelo yale ncwadi ayilinganiswanga kuphela ngokwentengiso, kodwa nangendlela eye yakhuthaza ngayo izizukulwana ukuba ziphinde zicinge ngezimali zazo kunye nombono wazo wempumelelo yezemali.
Ukutshintsha ulwalamano lwethu nemali kufuna ixesha, umgudu, nokukulungela ukufunda rhoqo. Utata osisityebi, uTata oHluphekileyo sisiqalo esihle kakhulu kwabo bafuna ukutshintsha iiparadigms zabo zemali kunye nokwakha ikamva eliqaqambileyo.