富爸爸,穷爸爸(英文版)- 第29部分

　
busy　working　away　to　pay　bills。　I　know　my　educated　dad　looked　forward　to　his　pay　raise　every　year；　and　every　year　he　was　disappointed。　So　he　would　go　back　to　school　to　earn　more　qualifications　so　he　could　get　another　raise；　but　again；　it　would　be　another　disappointment。
The　question　I　often　ask　people　is；　〃Where　is　this　daily　activity　taking　you？〃　Just　like　the　little　hamster；　I　wonder　if　people　look　at　where　their　hard　work　is　taking　them。　What　does　the　future　hold？
Cyril　Brickfield；　the　former　executive　director　of　The　American　Association　of　Retired　People；　reports　that　〃private　pensions　are　in　a　state　of　chaos。　First　of　all；　50　percent　of　the　workforce　today　has　no　pension。　That　alone　should　be　of　great　concern。　And　75　to　80　percent　of　the　other　50　percent　have　ineffective　pensions　that　pay　55　or　150　or　300　a　month。〃
In　his　book　The　Retirement　Myth；　Craig　S。　Karpel　writes：　〃I　visited　the　headquarters　of　a　major　national　pension　consulting　firm　and　met　with　a　managing　director　who　specializes　in　designing　lush　retirement　plans　for　top　management。　When　I　asked　her　what　people　who　don't　have　corner　offices　will　be　able　to　expect　in　the　way　of　pension　ine；　she　said　with　a　confident　smile：　　〃The　Silver　Bullet。'
〃　'What；'　I　asked；　'is　The　Silver　Bullet？'
〃She　shrugged；　'If　baby　boomers　discover　they　don't　have　enough　money　to　live　on　when　they're　older；　they　can　always　blow　their　brains　out。'〃　Karpel　goes　on　to　explain　the　difference　between　the　old　Defined　Benefit　retirement　plans　and　the　new　401K　plans　which　are　riskier。　It　is　not　a　pretty　picture　for　most　people　working　today。　And　that　is　just　for　retirement。　When　medical　fees　and　long…term　nursing　home　care　are　added　to　the　picture；　the　picture　is　frightening。　In　his　1995　book；　he　indicates　that　nursing…home　fees　run　from　30；000　to　125；000　per　year。　He　went　to　a　clean　no…frills　nursing　home　in　his　area　and　found　the　price　to　be　88；000　a　year　in　1995。
Already；　many　hospitals　in　countries　with　socialized　medicine　need　to　make　tough　decisions　such　as　〃Who　will　live　and　who　will　die？〃　They　make　those　decisions　purely　on　how　much　money　they　have　and　how　old　the　patients　are。　If　the　patient　is　old；　they　often　will　give　the　medical　care　to　someone　younger。　The　older　poor　patient　gets　put　to　the　back　of　the　line。　　So　just　as　the　rich　can　afford　better　education；　the　rich　will　be　able　to　keep　themselves　alive；　while　those　who　have　little　wealth　will　die。
So　I　wonder；　are　workers　looking　into　the　future　or　just　until　their　next　paycheck；　never　questioning　where　they　are　headed？
When　I　speak　to　adults　who　want　to　earn　more　money；　I　always　remend　the　same　thing。　I　suggest　taking　a　long　view　of　their　life。　Instead　of　simply　working　for　the　money　and　security；　which　I　admit　are　important；　I　suggest　they　take　a　second　job　that　will　teach　them　a　second　skill。　　Often　I　remend　joining　a　work　marketing　pany；　also　called　multilevel　marketing；　if　they　want　to　learn　sales　skills。　Some　of　these　panies　have　excellent　training　programs　that　help　people　get　over　their　fear　of　failure　and　rejection；　which　are　the　main　reasons　people　/j　are　unsuccessful。　Education　is　more　valuable　than　money；　in　the　long　run。
When　I　offer　this　suggestion；　I　often　hear　in　response；　〃Oh　that　is　too　much　hassle；〃　or　〃I　only　want　to　do　what　I　am　interested　in。〃
To　the　statement　of　〃It's　too　much　of　a　hassle；〃　I　ask；　〃So　you　would　；　rather　work　all　your　life　giving　50　percent　of　what　you　earn　to　the　government'〃　To　the　other　statement…〃I　only　do　what　I　am　interested　in〃…I　say；　〃I'm　not　interested　in　going　to　the　gym；　but　I　go　because　I　want　to　feel　better　and　live　longer。〃
Unfortunately；　there　is　some　truth　to　the　old　statement　〃You　can't　teach　an　old　dog　new　tricks。〃　Unless　a　person　is　used　to　changing；　it's　hard　to　change。
But　for　those　of　you　who　might　be　on　the　fence　when　it　es　to　the　idea　of　working　to　learn　something　new；　I　offer　this　word　of　encouragement：　Life　is　much　like　going　to　the　gym。　The　most　painful　part　is　deciding　to　go。　　Once　you　get　past　that；　it's　easy。　There　have　been　many　days　I　have　dreaded　going　to　the　gym；　but　once　I　am　there　and　in　motion；　it　is　a　pleasure。　After　the　workout　is　over；　I　am　always　glad　I　talked　myself　into　going。
If　you　are　unwilling　to　work　to　learn　something　new　and　insist　on；　instead；　being　highly　specialized　within　your　field；　make　sure　the　pany　you　work　for　is　unionized。　Labor　unions　are　designed　to　protect　specialists。
My　educated　dad；　after　falling　from　grace　with　the　governor；　became　the　head　of　the　teachers　union　in　Hawaii。　He　told　me　that　it　was　the　hardest　job　he　ever　held。　My　rich　dad；　on　the　other　hand；　spent　his　life　doing　his　best　to　keep　his　panies　from　being　unionized。　He　was　successful。　Although　the　unions　came　close；　rich　dad　was　always　able　to　fight　them　off。
　Personally；　I　take　no　sides　because　I　can　see　the　need　for　and　the　benefits　of　both　sides。　If　you　do　as　school　remends；　bee　highly　specialized；　then　seek　union　protection。　For　example；　had　I　continued　on　with　my　flying　career；　I　would　have　sought　a　pany　that　had　a　strong　pilots　union。　Why？　Because　my　life　would　be　dedicated　to　learn　a　skill　that　was　valuable　in　only　one　industry。　If　I　were　pushed　out　of　that　industry；　my　life's　skills　would　not　be　as　valuable　to　another　industry。　A　displaced　senior　pilot…with　100；000　hours　of　heavy　airline　transport　time；　earning　150；000　a　year…would　have　a　hard　time　finding　an　equivalent　high…paying　job　in　school　teaching。　The　skills　do　not　necessarily　transfer　from　industry　to　industry；　because　the　skills　the　pilots　are　paid　for　in　the　airline　industry　are　not　as　important　in；　say；　the　school　system。
The　same　is　true　even　for　doctors　today。　With　all　the　changes　in　medicine；　many　medical　specialists　are　needing　to　conform　to　medical　organizations　such　as　HMO's。　Schoolteachers　definitely　need　to　be　union　members。　Today　in　America；　the　teachers　union　is　the　largest　and　the　richest　labor　union　of　all。　The　NEA；　National　Education　Association；　has　tremendous　political　clout。　Teachers　need　the　protection　of　their　union　because　their　skills　are　also　of　limited　value　to　an　industry　outside　of　education。　So　the　rule　of　thumb　is；　〃Highly　specialized；　then　unionize。〃　It's　the　smart　thing　to　do。
When　I　ask　the　classes　I　teach；　〃How　many　of　you　can　cook　a　better　hamburger　than　McDonald's？〃　almost　all　the　students　raise　their　hands。　I　then　ask；　〃So　if　most　of　you　can　cook　a　better　hamburger；　how　e　McDonald's　makes　more　money　than　you？〃
The　answer　is　obvious：　McDonald's　is　excellent　at　business　systems。　The　reason　so　many　talented　people　are　poor　is　because　they　focus　on　building　a　better　hamburger　and　know　little　to　nothing　about　business　systems。
A　friend　of　mine　in　Hawaii　is　a　great　artist。　He　makes　a　sizable　amount　of　money。　One　day　his　mother's　attorney　called　to　tell　him　that　she　had　left　him　35；000。　That　is　what　was　left　of　her　estate　after　the　attorney　and　the　government　took　their　shares。　　Immediately；　he　saw　an　opportunity　to　increase　his　business　by　using　some　of　this　money　to　advertise。　Two　months　later；　his　first　four…color；　full…page　ad　appeared　in　an　expensive　magazine　that　targeted　the　very　rich。　The　ad　ran　for　three　months。　　He　received　no　repli