“窮人為錢而工作，而富人讓金錢為他工作。”這句羅伯特·T·清崎的至理名言曾紅極一時。47歲退休時，他已是千萬富翁，在他不經意地寫下《富爸爸窮爸爸》之后，便一下子成了全世界最有名的“爸爸”。在羅伯特看來，人們在財務困境中掙扎的主要原因是：在學校里學習多年，卻沒有學到任何關于金錢方面的知識。其結果是，人們只知道為金錢而工作……但從來不學著讓金錢為自己工作。如果你開始對提高自己的財商感興趣，聽聽富爸爸的金玉良言是個不錯的選擇。 

    The world is filled with smart, talented, educated and gifted people. We meet them every day. A few days ago, my car was not running well. I pulled it into a garage, and the young mechanic had it fixed in just a few minutes. He knew what was wrong by simply listening to the engine. I was amazed. The sad truth is, great talent is not enough. 

    世界上滿坑滿谷都是精明能干、才華橫溢、學富五車以及極具天賦之人，我們每天都會見到他們。幾天前，我的汽車運轉不靈了。我把它開進維修廠，一位年輕的機械工只消幾分鐘就把它修好了。他僅憑傾聽發動機的聲音就能確定哪兒有毛病，這讓我驚奇不已。然而遺憾的是，光有非凡才華是不夠的。

    I am constantly shocked at how little talented people earn. I heard the other day that less than 5 percent of Americans earn more than $100,000 a year. A business consultant who specializes in1 the medical trade was telling me how many doctors, dentists and chiropractors2 struggle financially. All this time, I thought that when they graduated, the dollars would pour in. It was this business consultant who gave me the phrase, “They are one skill away from great wealth.” What this phrase means is that most people need only to learn and master one more skill and their income would jump exponentially3. I have mentioned before that financial intelligence is a synergy4 of accounting, investing, marketing and law. Combine those four technical skills and making money with money is easier. When it comes to money, the only skill most people know is to work hard.