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cover of episode Financial Crisis Alert: Why Your 401k and IRA Might Not Save You!

Financial Crisis Alert: Why Your 401k and IRA Might Not Save You!

2024/11/13
logo of podcast Rich Dad Radio Show: In-Your-Face Advice on Investing, Personal Finance, & Starting a Business

Rich Dad Radio Show: In-Your-Face Advice on Investing, Personal Finance, & Starting a Business
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J
John MacGregor
R
Robert Kiyosaki
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Robert Kiyosaki认为，许多人，特别是那些依赖401k和IRA计划的人，正面临严重的财务困境，这主要是因为系统性缺陷和缺乏财务教育。他强调积极主动、自我教育以及独立管理个人财务的重要性，而不是依赖传统的理财规划师或速效解决方案。他特别强调了现金流游戏和个性化财务稳定策略的重要性，并分享了他个人在财务方面的经验和教训，以及对传统财务规划的批评。他认为，401k和IRA计划并非旨在成为唯一的退休工具，而是作为补充，但现在却成为了大多数人的唯一选择，这带来了巨大的风险。他建议人们应该学习如何创造自己的被动收入和资产，而不是依赖雇主来保障自己的财务未来。 John MacGregor 则从专业的角度分析了传统财务规划的局限性，以及为什么许多富人最终会破产。他指出，传统的财务规划方法并不奏效，信息并不能带来改变，改变行为才是关键。他分享了他多年来辅导财务顾问的经验，以及他如何意识到信息并不能带来改变，只有改变行为才能真正解决问题。他强调了积极主动的重要性，并建议人们应该学习如何创造自己的被动收入和资产，而不是依赖雇主来保障自己的财务未来。他还分享了他自己成功的投资策略，例如交易期权，并指出这些策略并不复杂，即使是老年人也能掌握。他批评了那些提供快速致富方案的机构和个人，认为人们应该专注于教育自己，而不是寻找捷径。他认为，财务顾问行业监管不足，许多财务顾问缺乏必要的知识，人们不应该盲目信任财务顾问。 John MacGregor 认为，获得财务顾问资格的门槛过低，许多财务顾问缺乏必要的知识，人们不应该盲目信任财务顾问。他分享了他多年来辅导财务顾问的经验，以及他如何意识到传统财务规划方法的局限性。他强调了积极主动的重要性，并建议人们应该学习如何创造自己的被动收入和资产，而不是依赖雇主来保障自己的财务未来。他还分享了他自己成功的投资策略，例如交易期权，并指出这些策略并不复杂，即使是老年人也能掌握。他批评了那些提供快速致富方案的机构和个人，认为人们应该专注于教育自己，而不是寻找捷径。他认为，许多人对财务状况过于乐观，不愿采取行动，这是一种危险的策略。

Deep Dive

Chapters
Robert Kiyosaki and John MacGregor discuss the flaws in traditional financial planning, emphasizing the lack of financial education and the reliance on inexperienced financial planners.
  • Traditional financial planning is flawed due to lack of financial education.
  • Many financial planners are inexperienced and lack proper training.
  • The reliance on these planners can lead to financial disaster.

Shownotes Transcript

Robert Kiyosaki, host of The Rich Dad Radio Show, is joined by John MacGregor, author of 'The 10 Top Reasons Why Rich People Go Broke.' They discuss the severe financial challenges many people, particularly those relying on 401k and IRA plans, might face due to systemic flaws and lack of financial education. The episode emphasizes the importance of being proactive, educating oneself, and understanding how to manage personal finances independently instead of relying on traditional financial planners or quick-fix solutions. Kiyosaki and MacGregor stress the significance of the 'Cashflow' game and personalized strategies for financial stability. 00:00 Introduction01:39 The Birth of 401k and Financial Planning03:55 The Problem with Financial Advice05:43 The Importance of Financial Education06:11 John McGregor's Financial Journey07:06 The Flaws in Traditional Financial Planning08:27 The Role of Behavioral Change in Financial Success19:53 Discussing Money Strategies with Friends20:31 The Simplicity of Trading Options21:54 The Importance of Financial Education22:48 Investing in What People Need 26:24 The Reality of Financial Advisors33:53 The Problem with Quick Fix Solutions-----Please read carefully.This is not financial advice.You may be asking, “what does that mean?”Let me explain…Do not just do what I, my team, or my guest says. That would be stupid and irresponsible. Take the education, then use your own brain and make your own decisions.YOU must take responsibility for your future and your success. That is why you are here. Neither I, or my team, or my guests, know your risk levels, prior education, emotional maturity, or how much money you can afford to lose. We are only telling you what we believe to be smart moves. But you must decide for yourself. There are NEVER guarantees. Also understand that we are REAL teachers. We practice what we preach. With that in mind we often invest in the very projects that may be mentioned on this show. While it is never our intent, we could possibly profit from others investing in our recommendations.Take the education we provide but then determine your own actions. If it does not make sense to you, get more education before you invest. We will continue to provide education and there will always be more opportunities.