富爸爸、穷爸爸(英文版)-第21章

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Every　time　people　try　to　punish　the　rich；　the　rich　don't　simply
comply；　they　react。　They　have　the　money；　power　and　intent　to　change　things。　They　do　not　just　sit　there　and　voluntarily　pay　more　taxes。　They　search　for　ways　to　minimize　their　tax　burden。　They　hire　smart　attorneys　j　and　accountants；　and　persuade　politicians　to　change　laws　or　create　legal　loopholes。　They　have　the　resources　to　effect　change。
The　Tax　Code　of　the　United　States　also　allows　other　ways　to　save　on　taxes。　Most　of　these　vehicles　are　available　to　anyone；　but　it　is　the　rich　who　usually　look　for　them　because　they　are　minding　their　own　business。　For　example；　〃1031〃　is　jargon　for　Section　1031　of　the　Internal　Revenue　Code；　which　allows　a　seller　to　delay　paying　taxes　on　a　piece　of　real　estate；　that　is　sold　for　a　capital　gain　through　an　exchange　for　a　more　expensive　piece　of　real　estate。　Real　estate　is　one　investment　vehicle　that　allows　such　a　great　tax　advantage。　As　long　as　you　keep　trading　up　in　value；　you　I　will　not　be　taxed　on　the　gains；　until　you　liquidate。　People　who　do　not　take　advantage　of　these　tax　savings　offered　legally　are　missing　a　great　opportunity　to　build　their　asset　columns。
The　poor　and　middle　class　do　not　have　the　same　resources。　They　sit　there　and　let　the　government's　needles　enter　their　arm　and　allow　the　blood　donation　to　begin。　Today；　I　am　constantly　shocked　at　the　number　of　people　who　pay　more　taxes；　or　take　fewer　deductions；　simply　because　they　are　afraid　of　the　government。　And　I　do　know　how　frightening　and　intimidating　a　government　tax　agent　can　be。　　I　have　had　friends　who　have　had　their　businesses　shut　down　and　destroyed；　only　to　find　out　it　was　a　mistake　on　the　part　of　the　government。　I　realize　all　that。　But　the　price　of　working　from　January　to　mid…May　is　a　high　price　to　pay　for　that　intimidation。　My　poor　dad　never　fought　back。　My　rich　dad　didn't　either。　He　just　played　the　game　smarter；　and　he　did　it　through　corporations…the　biggest　secret　of　the　rich。
You　may　remember　the　first　lesson　I　learned　from　my　rich　dad。　I　was　a　little　boy　of　9　who　had　to　sit　and　wait　for　him　to　choose　to　talk　to　me。　I　often　sat　in　his　office　waiting　for　him　to　〃get　to　me。〃　He　was　ignoring　me　on　purpose。　　He　wanted　me　to　recognize　his　power　and　desire　to　have　that　power　for　myself　one　day。　For　all　the　years　I　studied　J　and　learned　from　him；　he　always　reminded　me　that　knowledge　was　power。　And　with　money　comes　great　power　that　requires　the　right　knowledge　to　keep　it　and　make　it　multiply。　Without　that　knowledge；　the　world　pushes　you　around。　　Rich　dad　constantly　reminded　Mike　and　me　that　the　biggest　bully　was　not　the　boss　or　the　supervisor；　but　the　tax　man。　The　tax　man　will　always　take　more　if　you　let　him。
The　first　lesson　of　having　money　work　for　me；　as　opposed　to　working　for　money；　is　really　all　about　power。　If　you　work　for　money；　you　give　the　power　up　to　your　employer。　If　your　money　works　for　you；　you　keep　and　control　the　power。
Once　we　had　this　knowledge　of　the　power　of　money　working　for　us；　he　wanted　us　to　be　financially　smart　and　not　let　bullies　push　us　around。　You　need　to　know　the　law　and　how　the　system　works。　If　you're　ignorant；　it　is　easy　to　be　bullied。　If　you　know　what　you're　talking　about；　you　have　a　fighting　chance。　That　is　why　he　paid　so　much　for　smart　tax　accountants　and　attorneys。　It　was　less　expensive　to　pay　them　than　pay　the　government。　His　best　lesson　to　me；　which　I　have　used　most　of　my　life；　is　〃Be　smart　and　you　won't　be　pushed　around　as　much。〃　He　knew　the　law　because　he　was　a　law…abiding　citizen。　He　knew　the　law　because　it　was　expensive　to　not　know　the　law。　　〃If　you　know　you're　right；　you're　not　afraid　of　fighting　back。〃　Even　if　you　are　taking　on　Robin　Hood　and　his　band　of　Merry　Men。
My　highly　educated　dad　always　encouraged　me　to　seek　a　good　job　with　a　strong　corporation。　He　spoke　of　the　virtues　of　〃working　your　way　up　the　corporate　ladder。〃　He　didn't　understand　that；　by　relying　solely　on　a　paycheck　from　a　corporate　employer；　I　would　be　a　docile　cow　ready　for　milking。
When　I　told　my　rich　dad　of　my　father's　advice；　he　only　chuckled。　〃Why　not　own　the　ladder？〃　was　all　he　said。
As　a　young　boy；　I　did　not　understand　what　rich　dad　meant　by　owning　my　own　corporation。　It　was　an　idea　that　seemed　impossible；　and　intimidating。　Although　I　was　excited　by　the　idea；　my　youth　would　not　let　me　envision　the　possibility　that　grownups　would　someday　work　for　a　company　I　would　own。
The　point　is；　if　not　for　my　rich　dad；　I　would　have　probably　followed　my　educated　dad's　advice。　It　was　merely　the　occasional　reminder　of　my　rich　dad　that　kept　the　idea　of　owning　my　own　corporation　alive　and　kept　me　on　a　different　path。　By　the　time　I　was　15　or　16；　I　knew　I　was　not　going　to　continue　down　the　path　my　educated　dad　was　recommending。　I　did　not　know　how　I　was　going　to　do　it；　but　I　was　determined　not　to　head　in　the　direction　most　of　my　classmates　were　heading。　That　decision　changed　my　life。
It　was　not　until　I　was　in　my　mid…20s　that　my　rich　dad's　advice　began　to　make　more　sense。　I　was　just　out　of　the　Marine　Corps　and　working　for　Xerox。　I　was　making　a　lot　of　money；　but　every　time　I　looked　at　my　paycheck；　I　was　always　disappointed。　The　deductions　were　so　large；　and　the　more　I　worked；　the　greater　the　deductions。　As　I　became　more　successful；　my　bosses　talked　about　promotions　and　raises。　　It　was　flattering；　but　I　could　hear　my　rich　dad　asking　me　in　my　ear：　〃Who　are　you　working　for？　Who　are　you　making　rich？〃
In　1974；　while　still　an　employee　for　Xerox；　I　formed　my　first　corporation　and　began　〃minding　my　own　business。〃　There　were　already　a　few　assets　in　my　asset　column；　but　now　I　was　determined　to　focus　on　making　it　bigger。　Those　paychecks　with　all　the　deductions　made　all　the　years　of　my　rich　dad's　advice　make　total　sense。　I　could　see　the　future　if　I　followed　my　educated　dad's　advice。
Many　employers　feel　that　advising　their　workers　to　mind　their　own　business　is　bad　for　business。　I　am　sure　it　can　be　for　certain　individuals。　But　for　me；　focusing　on　my　own　business；　developing　assets；　made　me　a　better　employee。　I　now　had　a　purpose。　I　came　in　early　and　worked　diligently；　amassing　as　much　money　as　possible　so　I　could　begin　investing　in　real　estate。　　Hawaii　was　just　set　to　boom；　and　there　were　　　　　4　fortunes　to　be　made。　The　more　I　realized　we　were　in　the　beginning　stages　of　a　boom；　the　more　Xerox　machines　I　sold。　The　more　I　sold；　the　more　money　I　made；　and；　of　course；　the　more　deductions　there　were　from　my　paycheck。　It　was　inspiring。　I　wanted　out　of　the　trap　of　being　an　employee　so　badly　that　I　worked　harder；　not　less。　By　1978；I　was　consistently　one　of　the　top　five　salespeople　in　sales；　often　No。　1。　I　badly　wanted　out　of　the　rat　race。
In　less　than　three　years；　I　was　making　more　in　my　own　little　corporation；　which　was　a　real　estate　holding　company；　than　I　was　making　at　Xerox。　And　the　money　I　was　making　in　my　asset　column；　in　my　own　corporation；　was　money　working　for　me。　　Not　me　pounding　on　doors　selling　copiers。　My　rich　dad's　advice　made　much　more　sense。　　Soon　the　cash　flow　from　my　properties　was　so　strong　that　my　company　bought　me　my　first　Porsche。　My　fellow　Xerox　salespeople　thought　I　was　spending　my　commissions。　I　wasn't。　I　was　investing　my　commissions　in　assets。
My　money　was　working　hard　to　make　more　money。　　Each　dollar　in　my　asset　column　was　a　great　employee；　working　hard　to　make　more　employees　and　buy　the　boss　a　new　Porsche　with　before…tax　dollars。　　I　began　to　work　harder　for　Xerox。　The　plan　was　working；　and　my　Porsche　was　the　proof。
By　using　the　lessons　I　learned　from　my　rich　dad；　I　was　able　to　get　out　of　the　〃proverbial　rat　race〃　of　being　an　employee　at　an　early　age。　It　was　made　possible　because　of　the　strong　financial　knowledge　I　had　acquired　through　these　lessons。　Without　this　financial　knowledge；　which　I　call　financial　IQ；　my　road　to　financial　independence　would　have　been　much　more　difficult。　I　now　teach　others　through　financial　seminars　in　the　hope　that　I　may　share　my　knowledge　with　them。　Whenever　I　do　my　talks；　I　remind　people　that　financial　IQ　is　made　up　of　knowledge　from　four　broad　areas　of　expertise。

No。　1　is　accounting。　What　I　call　financial　literacy。　A　vital　skill　if　you　want　to　build　an　empire。　The　more　money　you　are　responsible　for；　the　more　accuracy　is　required；　or　the