習慣致富：成為有錢人，你不需要富爸爸，只需要富習慣

by Tom Corley, Michael Yardney, 湯姆．柯利

　　是否常覺得自己總是兩袋空空，活得很恐懼？
　　總是納悶有錢人為什麼愈來愈有錢？
　　該怎麼做，才能讓自己晉身有錢人和成功人士的行列？
　　只要養成30個富習慣，
　　富有人生coming soon！

　　★有錢人對金錢的想法和一般人有何不同？
　　†有錢人想著拿錢去投資／一般人想著如何花錢
　　†有錢人想著用錢賺更多錢／一般人擔心錢會花光
　　†有錢人工作是為了滿足自我／一般人工作是為了賺錢
　　†有錢人擁抱改變／一般人害怕改變
　　†有錢人相信富有是他們應得的／一般人相信有錢人運氣好
　　†有錢人知道智商和致富無關／一般人認為好的教育和聰明能夠致富
　　†有錢人知道可以利用別人的錢致富／一般人相信有錢才能賺錢
　　†有錢人教子女如何富有／一般人教子女如何存活

　　如果，你的想法和一般人相同，是時候改變了！
　　就從培養邁向成功的好習慣開始：
　　†→每天閱讀30分鐘
　　†→每天運動30分鐘
　　†→每天專注於夢想和目標
　　†→收入的10％先存起來
　　†→永不放棄自己的夢想
　　......翻開書，還有更多富習慣，一起學起來！

　　【閱讀焦點】
　　★30個擺脫終身窮忙的富習慣
　　★39則讓你脫穎而出的富思維
　　★財富象限vs.財富金字塔，打造邁向財富自由之路

　　◎這本書為你而寫──
　　．想要脫離月光族「口袋空空」的宿命
　　．想要魯蛇翻身，創造夢想中的財富自由
　　．想要擁抱資產翻倍的富足人生
　　．想要教導子女如何致富

致富推薦

　　觀念，才是力量的真正根源。而如果你想知道富人到底有什麼想法與思維，這本書將給你一個相當清楚的指南。──Miula（M觀點創辦人）

　　兩位作者分享了他們發現致富的最大祕密：如果你想變有錢，就必須像有錢人一樣思考，養成有錢人的富習慣……像個有錢人一樣行動吧！──柴鼠兄弟（斜槓型YouTuber）

　　本書不談錢、投資、房地產或股票，本書分享富人的感受、思考和行動。……哪些習慣會致富，我們做中學；哪些習慣會致貧，我們就不要再愚蠢地堅持下去了。──楊斯棓（方寸管顧首席顧問、醫師）

　　書中羅列了一般人與有錢人對於金錢的想法差異，以及三十個富習慣，讀者可以從中得知自己對金錢的想法與有錢人是否相同……養成富習慣，戒除阻礙致富的壞習慣。 ──謝劍平 （台灣科技大學財務金融所教授）

Genres: Finance, Nonfiction, Self Help, Money, Personal Growth, Audiobook, Business

304 pages, Paperback

First published December 20, 2016

Reviews

[Stephanie Sherie · Rating 1 out of 5]

This book is a good read if you are brand new to personal development. I make it almost a habit to pick up anything with "Millionaire" or "Rich" in the title, because WHY NOT! Tragically, this one was extremely difficult to sludge through, it felt like work because it was hardly enjoyable and nothing seemed new or that you paid for some well researched insiders knowledge. The writing was very redundant and the authors seemed almost apologetic to use the word "Poor" or talk in detail about these "habits" in the event that it would offend. The most value is gotten from the first few chapters and didn't require a lengthy book to discuss.
Takeaway: If you can develop habits that make you more productive in a day than that is the key according to this book to getting rich. One thing the authors were clear on and that they kept their promise to deliver- this book is about mindset. It offers no helpful advice for those who understand their weaknesses and strengths and need some actionable items getting to the next phase of their lives. If you are looking for a good starter book to give you a list of itemized habits to adopt then this is in that category- although there are better reads to even get this information. For more seasoned readers looking for in depth insights and suggestions, unfortunately this book doesn't do the job.

[Emily Jade · Rating 2 out of 5]

Someone explain to me why I keep hoping that books like THIS will somehow exceed my expectations...It was fineeee I guess. It was okayyy. I learned some things. It kept me turning the pages. But I was also physically wincing and squirming throughout the absolute IGNORANCE and SUPERIORITY of this book. I need to find a personal finance book written by someone who wasn't born into wealth and privilege. 3 stars is Generous.

[Olka]

ale pitu pitu... panowie autorzy są "ekspertami" od każdej dziedziny życia, jednocześnie nie wnoszą tą książką nic nowego

[Oxuria · Rating 4 out of 5]

„Nawyki bogatych i biednych” to drugi tom serii „Inwestuj w siebie” wydawanej przez wydawnictwo Kompania Mediowa (aktualnie liczy ona już pięć tomów). Ze strony wydawnictwa dowiedzieć się można co nieco o samej serii, m.in. że obejmuje ona „wybrane tytuły z dziedziny rozwoju osobistego, psychologii i finansów”, a „Intencją wydawcy jest aby jako seria tworzyły komplementarny program samodoskonalenia dla współczesnego człowieka”[1].

„Nawyki…” to tom skupiający się na określeniu ludzkich nawyków, podziale ich na te dotyczące bogatych i biednych (podział ten został przyjęty przez autorów dla uproszczenia). Można więc stwierdzić, że poradnik ten napisany został w taki sposób, by ujawnić mechanizmy ludzkiego zachowania, z których często nie zdajemy sobie sprawy. Cała treść dotycząca nawyków i sposobów myślenia oparta została na doświadczeniu oraz badaniach Toma Corley’a i Michaela Yardney’a, którzy sami przeszli drogę do bogacenia się. W dużym (i okrutnym) skrócie myślowym można rzec, że książka ta jest o tym, co robić oraz czego nie, by stać się bogatym. Trzeba mieć jednak na uwadze, że bogactwo nie oznacza posiadania najnowszego i najlepszego samochodu czy willi (i niewidocznych długów przy okazji), a wręcz przeciwnie – to stan, kiedy nie ma potrzeby zamartwiania się nad stanem swojego konta, bo posiada się taką ilość zasobów generujących dochód, który nie wymaga większego nakładu pracy.

Książka podzielona została na cztery części: na początku autorzy chcą, by czytelnik ich poznał oraz miał szansę zrozumieć, jakie motywy przyświecają ich działaniu, jakim jest stworzenie tej pozycji. Michael Yardney poświęcił kolejną część na pewną bazę pojęciową (nie jest to jednak coś trudnego – po prostu elementy ułatwiające zrozumienie niektórych mechanizmów) oraz refleksje odnośnie tego, jak myślą ludzie bogaci. Część trzecia wygląda typowo jak poradnik – przedstawiono w niej trzydzieści nawyków bogatych i biednych. Na samym końcu zamieszczono parę refleksji odnośnie mentorów oraz uczenia dzieci i przekazywania im swojego myślenia dotyczącego pieniędzy oraz bogactwa.

„Nawyki bogatych i biednych” to pozycja dobra dla kogoś, kto o finansach może nie ma dużego pojęcia, ale chce dowiedzieć się, w czym tkwi sekret ludzi bogatych i bogacących się. Nie zastąpi ona fachowych finansowych porad i nie sprawi, że nagle – z dnia na dzień – bogactwo zapuka do drzwi. Pomoże jednak zrozumieć, co jest przyczyną takiego, a nie innego losu jednostki. Ponadto może zmotywować do zmiany myślenia (wpojonego już w dzieciństwie), a to już duży krok.

[1] Informacje pochodzą ze strony wydawnictwa: http://kompaniamediowa.pl/wydawnictwo....

[Andrea Dumont · Rating 1 out of 5]

Found this book in a free library outside. Was about personal development and having good habits mostly. Nothing new but lots of comparing rich v poor which felt a bit callous and not super understanding of privilege.

[Julia Pałka · Rating 4 out of 5]

3.8
W odbiorze bardzo przyjemna i szybka do przyswojenia. Rzeczowa, ale momentami delikatnie przegadana. Zobaczymy, będę testować xD

[Euodias · Rating 2 out of 5]

DNF 200 pages in. Chapters and chapters of repetitive content.

[Emilio · Rating 5 out of 5]

This is more than just a book about personal finance, it is about eliminating bad habits and developing good habits that lead to a rich a fulfilling life.

[booktrowertyzm Dominika Kiprowska · Rating 4 out of 5]

Książka jest naprawdę okej, ciekawa forma opisywania ludzkich zachowań przez pryzmat osoby zajmujecej się psychologią podejmowanych działań. Trochę co mnie irytowało to powtarzające się treści w wielu rozdziałach. Na pewno polecam osobom, które planują rozkręcić swój własny biznes lub po prostu chcą zmienić swój sposób myślenia☺️

[Wenny H · Rating 4 out of 5]

More of an overview, this is a good read for someone in doubt of what they're operating as an individual and in need of a guidepost. It emphasises the accountability on one's person, that they are in charge of their life, specifically in making their fortune. By taking responsibility for your actions, being in control (or at least feeling it) you can and will be able to where you want to be, be it better financially or anything else.

Conversely, if you are someone under a lot of stress (when you're in execution mode) this might just add unnecessary stress due to internalisation of blame, something of a modern ailment that comes with our current belief of taking control of one's life (while sometimes it could be other factor as well, like your house burning down due to bushfire or investment loss due to market collapsing).

This won't help you take action, rather this would help more in terms of roadmap planning. An enjoyable read nonetheless. Includes a summary that readers can use as checklist to see where you are in the spectrum, and act accordingly.

[Ngan Nguyen · Rating 4 out of 5]

- Rich habits - Poor habits là sách dạy những thói quen của người giàu. Đừng chỉ đọc mà hãy hành động sau khi đọc nhé!
- Những câu nói được trích trong sách mà tôi thích:
+ Con quỷ nằm ngay trong những tình tiết
+ Người giàu đặt bên mình những người cùng tư tưởng với họ, những người có cùng mục tiêu, ước mơ, suy nghĩ, đạo đức và đức tính (đây là bài học mình học được và trong cuộc sống quả đúng là như thế đấy, không sai tí nào cả)
+ Trì hoãn sự sung sướng (trì hoãn sự sung sướng tức thời, những cái ngắn hạn để làm những cái dài hạn, tốt đẹp hơn)
+ Tư duy dẫn đến cảm nhận, cảm nhận dẫn tới hành động và hành động dẫn đến kết quả.
+ Thành công cần thời gian. Người thành công không bao giờ bỏ cuộc. Kiên trì bền bỉ là yếu tố cần để thành công. ( câu này mình rất tâm đắc luôn, mỗi khi muốn bỏ cuộc hãy nghĩ đến điều này, người thành công không bao giờ từ bỏ mục tiêu, bất kể mục tiêu đó là gì)
+ Thói quen hàng ngày phản ánh chân thực niềm tin của chúng ta.
+ Người thành công kiên trì một cách kiên nhẫn

[Leya Hartman · Rating 2 out of 5]

It seems like these guys should have just written their own book. If they would have, I would have picked up Yardney’s book which would be summarized as, “Become an investor in lots of things especially real estate, and you’ll end up getting rich!” Corley’s book should be thrown immediately in the trash and can be summarized as, “Here are 100 random aphorisms and if you think smarter then you’ll get rich because poor people are just stupid lol; please buy this book so I get royalties.” Save yourself some time, don’t read this book, and learn how to invest. Simple as that.

[Grzegorz · Rating 3 out of 5]

Most of those things I already knew, from a books that did better job explaining them. Also, I found here and there some oversimplifications and misconceptions. But generally, I believe this is a good book for people who don't know much about good habits, earning money etc and never read any good book about those things.

[Minh Phương · Rating 5 out of 5]

Cuốn sách không chỉ nói về những thói quen mà ta có thể ý thức được, mà cả những thói quen vô thức bị ảnh hưởng bởi xã hội, cha mẹ, thầy cô... tác giả còn hướng dẫn thêm về lập trình tiềm thức với những câu nói khẳng định tích cực.

Nói chung là rất đáng đọc. Mình nghe sách nói của chị Thùy Uyên, nếu bạn không có thời gian đọc có thể vừa làm việc vừa nghe, giọng chị ấy rất hay và truyền cảm.

[為元 蕭 · Rating 4 out of 5]

這本書其實更多在講心態跟信念，習慣集中在後30-40%。 書中大概 70-80%的內容跟富爸爸、有錢人想的不一樣，這類書有重疊；但還是有些不錯的 takeaway，像敢於運用槓桿(舉債)、不是只有錢有槓桿，例如人脈(敢於請託別人)也可以算槓桿，做命運的駕駛員而不乘客、管理期望，優先假設會被拒絕，同時也學習拒絕別人、勇於問問題等。
有一小節講到富人重視時間>金錢，我突然很有感，自己在玩 DST 的時候每一分鐘都很搶，總是在想怎麼最大化一天的價值，但真的在過日子卻常常看 YT 刷臉書打混，其實蠻諷刺的，哈哈

[Tomasz · Rating 4 out of 5]

Dobra pozycja choć uważam, że napisana pod odbiorcę amerykańskiego lecz zawiera wiele cennych wskazówek. Jest też wiele porad ogólnie znanych jednakże opisanych w tak sposób by stosować je metodydznie co moim zdaniem może poprawić zamożność portfela.

[Astrid Luffe · Rating 4 out of 5]

Jeg lærte uden tvivl noget nyt i den her bog, men de er godt nok længe om at komme til pointerne og gentager sig selv meget. Hvis man kan se bort fra det/ skippe de afsnit, så er den klart anbefalingsværdig.

[Dương Quý · Rating 4 out of 5]

It's good

[Lorenzo Espinosa · Rating 2 out of 5]

Basic read on money habits

A bit basic. Definitely good book if this is your first personal finance read but not much more. It heavily borrows on concepts introduced in other books.

[Rashmi · Rating 3 out of 5]

There are some good tips that act as reminders but basically it is a compilation of several self help books...took some notes and brushed through it....

[Oliver Tran · Rating 5 out of 5]

Cuốn sách mở ra cho ta biết được danh sách thói quen cần xây dựng và cả những việc không nên làm mỗi ngày

[Katka Mariha · Rating 4 out of 5]

Przyjemnie napisana i motywująca. Niby oczywiste rzeczy ale dające do myślenia.

[Tomek P. · Rating 3 out of 5]

Spodziewałem się więcej. Książka jest jedną wielką wielokrotna autoparafrazą. Założenie przedstawione na początku książki są wielokrotnie udowadniane, tylko że cały czas tymi samymi argumentami.

[Nicki · Rating 3 out of 5]

Good comparison between the habits of the rich and those of the poor. I have some to change but feel overall I am on the right track

[Chandra Das · Rating 5 out of 5]

Very nice book

Excellent book on rich habits, thought provoking & prompt you to take action.Enjoyed every page of the book.Content Rich book indeed.

[Mark · Rating 5 out of 5]

Good Advice

An excellent collection of sensible and proven tips and habits to develop from two experts who can talk the talk because they walk the walk.

[julia sapalska · Rating 3 out of 5]

taka 3/5 podstawowe nawyki, chyba nie dowiedziałam się nic nowego ://

[Martyna · Rating 2 out of 5]

Na każdej stronie praktycznie czułam, że jest napisane to samo ale ujęte w inne słowa. Nie była to zła lektura, sporo rzeczy daje do myślenia, jednak ignorancja pokazana w tej książce dobija

[Simone Bernard · Rating 5 out of 5]

Very good book.

[Marta · Rating 3 out of 5]

Dość boomerska, ale raczej nieszkodliwa. Coś tam dla siebie można z niej wyciągnąć.
Polecam raczej w formie papierowej, audiobook czytany z intonacją akwizytora z lat dziewięćdziesiątych.