“穷人为钱而工作，而富人让金钱为他工作。”这句罗伯特·T·清崎的至理名言曾红极一时。47岁退休时，他已是千万富翁，在他不经意地写下《富爸爸穷爸爸》之后，便一下子成了全世界最有名的“爸爸”。在罗伯特看来，人们在财务困境中挣扎的主要原因是：在学校里学习多年，却没有学到任何关于金钱方面的知识。其结果是，人们只知道为金钱而工作……但从来不学着让金钱为自己工作。如果你开始对提高自己的财商感兴趣，听听富爸爸的金玉良言是个不错的选择。

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.

世界上满坑满谷都是精明能干、才华横溢、学富五车以及极具天赋之人，我们每天都会见到他们。几天前，我的汽车运转不灵了。我把它开进维修厂，一位年轻的机械工只消几分钟就把它修好了。他仅凭倾听发动机的声音就能确定哪儿有毛病，这让我惊奇不已。然而遗憾的是，光有非凡才华是不够的。

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.