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کتاب پدر بی پول پدر پولدار

ترس از مذمت جامعه نمی‌گذارد که از «دور باطل» خارج شویم و ثروتمند شویم.

پردیس فناوری کیش_طرح مشاوره متخصصین صنعت_گروه منابع انسانی

بیشتر ما می‌دانیم که دور باطل به چه معنی است، ولی اگر از ما بپرسند، چطور آن را تعریف می‌کنیم؟ یکی از تعاریفش این است «روال بی‌پایان کار برای هر کسی به جز خود». این یعنی شما تمام کار را می‌کنید، ولی بیشتر پاداش به دیگران (دولت، تحصیل­داران و روسا) می‌­رسد. معمولاً منظورمان از دور باطل چیزی است که همه ما گرفتارش هستیم. در عین حال، آن را چیز منفوری می‌دانیم. پس چرا به دویدن ادامه می‌دهیم؟ چون زندگی بیشتر مردم زیر طلسم ترس از مذمت جامعه است. مثلاً به این شعار فکر کنید:

«برو مدرسه، خیلی درس بخوان، شغل خوبی پیدا کن». ما هنوز هم این شعار را درس می‌دهیم، اگرچه توصیه منسوخی است که ریشه در تفکرات گذشته والدینمان دارد. در آن دوران، احتمالاً می‌توانستید به محض فارغ التحصیلی شغلی پیدا کنید، ده‌ها سال برای همان شرکت کار کنید و با حقوق بازنشستگی راحت بازنشسته شوید. امروزه این دیگر روش تضمینی برای رهایی همیشگی از مشکلات مالی یا فقر نیست. حقیقت این است که شما می‌توانید سخت کار کنید، وارد دانشگاه خوب شوید و پس از فارغ التحصیلی شغل پُردرآمدی را بدون هیچ رشد مالی کسب کنید، زیرا هنوز هم در «دور باطل» گیر افتاده‌اید. روسای شما (نه شما) دارند به خاطر کار زیاد شما ثروتمند می‌شوند. با این حال، هنوز هم به خاطر ترس از عدم رعایت انتظاراتی که از زمان تولد در مغز ما کاشته‌اند، به این شعار باور داریم و از آن پیروی می‌کنیم. نتیجه؟ شاید از فقر فرار کنیم، ولی قطعاً ثروتمندتر هم نمی‌شویم.

پدر پولدار پدر فقیر علیرغم اهمیت هوش مالی در موفقیت شخصی و اجتماعی، ما هیچ آموزشی در این زمینه نمی‌بینیم

بیشتر ما فکر می‌کنیم که برای کسب ثروت فقط کافی است با استعداد و توانمند باشیم. ولی در واقع، دنیا پُر از چنین آدم‌­هایی است و بیشترشان فقیر هستند. کمبود آن‌ها در هوش مالی است، استعداد جامعی برای موضوعات مالی مثل حسابداری، سرمایه گذاری و این جور موارد. متاسفانه ما بدون این هوش تربیت می‌شویم. نظام آموزشی ما طوری ساخته شده است که رشته­‌های مفید مختلفی را به افراد بیاموزد، ولی هوش مالی جزو این رشته‌ها نیست. کودکان چیزهایی مثل پس انداز یا سرمایه گذاری را نمی‌آموزند و بنابراین هیچ شناختی از موضوعاتی مثل سود مرکب ندارند. نمونه بارزش این است که امروزه حتی دبیرستانی­‌ها هم تمام پول داخل کارتشان را خرج می‌کنند. این فقر آموزشی در زمینه هوش مالی تنها گریبان جوانان را نگرفته است، بلکه مشکل جوانان تحصیل کرده‌ای است که بسیاری از آن‌ها تصمیمات بدی با پولشان می‌گیرند. به عنوان مثال، سیاستمداران عموماً باهوش‌ترین و تحصیل ‌کرده‌ترین افراد جامعه محسوب می‌شوند، ولی بی دلیل نیست که کشورها بدهی ملی وحشتناکی به بار می‌آورند بیشتر سیاستمداران حاکم هوش مالی ناچیزی دارند. افراد عادی هم ممکن است وضعیت فوق العاده بدی در مدیریت امور مالیشان داشته باشند که نمونه بارز آن عدم برنامه ریزیشان برای بازنشستگی است. مثلاً در ایالات متحده، ۵۰ درصد نیروی کار حقوق بازنشستگی ندارند و از بین بقیه، تقریباً ۷۵ تا ۸۰ درصدشان حقوق بازنشستگی ناکارآمدی دارند. بی تردید، جامعه ما ر ا از لحاظ دانش مالی ضعیف کرده است و بنابراین خودمان باید به خودمان آموزش دهیم. وقتی که در دوران تحول اقتصادی عظیم به دنبال ثروت هستیم، خیلی مهمتر است که خودمان به دنبال آموزش مالی خوب برویم.

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