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第22部分（第2页）

〃The　first　of　the　month；〃　I　said。

〃Does　he　have　anything　left　over？〃　he　asked。

〃Very　little；〃　I　said。

〃Thats　the　main　reason　he　struggles；〃　said　rich　dad。　　〃He　has　bad　habits。〃

〃Your　dad　pays　everyone　else　first。　He　pays　himself　last；　but　only　if　he　has　anything　left　over。〃

〃Which　he　usually　doesnt；〃　I　said。　〃But　he　has　to　pay　his　bills；　doesnt　he？　Youre　saying　he　shouldnt　pay　his　bills？〃

〃Of　course　not；〃　said　rich　dad。　　〃I　firmly　believe　in　paying　my　bills　on　time。　I　just　pay　myself　first。　　Before　I　pay　even　the　government。〃

〃But　what　happens　if　you　dont　have　enough　money？〃　I　asked。　〃What　do　you　do　then？〃

〃The　same；〃　said　rich　dad。　　〃I　still　pay　myself　first。　Even　if　Im　short　of　money。　My　asset　column　is　far　more　important　to　me　than　the　government。〃

〃But；〃　I　said。　　〃Dont　they　e　after　you？〃

〃Yes；　if　you　dont　pay；〃　said　rich　dad。　　〃Look；　I　did　not　say　not　to　pay。　I　just　said　I　pay　myself　first；　even　if　Im　short　of　money。〃

〃But；〃　I　replied。　　〃How　do　you　do　that〃

〃Its　not　how。　The　question　is　Why；〃　rich　dad　said。

〃OK；　why？〃

〃Motivation；〃　said　rich　dad　〃Who　do　you　think　will　plain　louder　if　I　dont　pay　them…me　or　my　creditors？〃

〃Your　creditors　will　definitely　scream　louder　than　you；〃　I　said；　responding　to　the　obvious。　〃You　wouldnt　say　anything　if　you　didnt　pay　yourself。〃

〃So　you　see；　after　paying　myself；　the　pressure　to　pay　my　taxes　and　the　other　creditors　is　so　great　that　it　forces　me　to　seek　other　forms　of　ine。　The　pressure　to　pay　bees　my　motivation。　Ive　worked　extra　jobs；　started　other　panies；　traded　in　the　stock　market；　anything　just　to　make　sure　those　guys　dont　start　yelling　at　me。　That　pressure　made　me　work　harder；　forced　me　to　think；　and　all　in　all　made　me　smarter　and　more　active　when　it　es　to　money。　If　I　had　paid　myself　last；　I　would　have　felt　no　pressure；　but　Id　be　broke。〃

〃So　it　is　the　fear　of　the　government　or　other　people　you　owe　money　I　to　that　motivates　you？〃

〃Thats　right；〃　said　rich　dad。　〃You　see；　government　bill　collectors　are　big　bullies。　So　are　bill　collectors　in　general。　Most　people　give　into　these　bullies。　They　pay　them　and　never　pay　themselves。　You　know　the　story　of　the　96…pound　weakling　who　gets　sand　kicked　in　his　face？〃

I　nodded。　　〃I　see　that　ad　for　weightlifting　and　bodybuilding　lessons　in　the　ic　books　all　the　time。〃

〃Well；　most　people　let　the　bullies　kick　sand　in　their　faces。　I　decided　to　use　the　fear　of　the　bully　to　make　me　stronger。　Others　get　weaker。　Forcing　myself　to　think　about　how　to　make　extra　money　is　like　going　to　the　gym　and　working　out　with　weights。　The　more　I　work　my　mental　money　muscles　out；　the　stronger　I　get。　Now；　Im　not　afraid　of　those　bullies。

I　liked　what　rich　dad　was　saying。　　〃So　if　I　pay　myself　first；　I　get　financially　stronger；　mentally　and　fiscally。〃

Rich　dad　nodded。

〃And　if　I　pay　myself　last；　or　not　at　all；　I　get　weaker。　So　people　like　bosses；　managers；　tax　collectors；　bill　collectors　and　landlords　push　me　around　all　my　life。　Just　because　I　dont　have　good　money　habits。〃

Rich　dad　nodded。　　〃Just　like　the　96…pound　weakling。〃

Reason　No。　5。　Arrogance。　Arrogance　is　ego　plus　ignorance。　I　　　　　〃What　I　know　makes　me　money。　What　I　dont　know　loses　me　money。　Every　time　I　have　been　arrogant；　I　have　lost　money。　Because　when　Im　arrogant；　I　truly　believe　that　what　I　dont　know　is　not　important；〃　rich　dad　would　often　tell　me。

I　have　found　that　many　people　use　arrogance　to　try　to　hide　their　own　ignorance。　It　often　happens　when　I　am　discussing　financial　statements　with　accountants　or　even　other　investors。

They　try　to　bluster　their　way　through　the　discussion。　It　is　clear　to　me　that　they　dont　know　what　theyre　talking　about。　Theyre　not　lying；　but　they　are　not　telling　the　truth。

There　are　many　people　in　the　world　of　money；　finances　and　investments　who　have　absolutely　no　idea　what　theyre　talking　about。　Most　people　in　the　money　industry　are　just　spouting　of

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