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thinking the way the rich think。 The problem was that it was illegal for us to do it。 It was legal for the government and banks to do it； but not us。 He explained that there are legal ways to make money and illegal ways。
Rich dad went on to explain that the rich know that money is an illusion； truly like the carrot for the donkey。 It's only out of fear and greed that the illusion of money is held together by billions of people thinking that money is real。 Money is really made up。 It was only because of the illusion of confidence and the ignorance of the masses that the house of cards stood standing。 〃In fact；〃 he said； 〃in many ways the donkey's carrot was more valuable than money。〃
He talked about the gold standard that America was on； and that each dollar bill was actually a silver certificate。 What concerned him was the rumor that we would someday go off the gold standard and our dollars would no longer be silver certificates。
〃When that happens； boys； all hell is going to break loose。 The poor； the middle class and the ignorant will have their lives ruined simply because they will continue to believe that money is real and that the pany they work for； or the government； will look after them。〃
We really did not understand what he was saying that day； but over the years it made more and more sense。
Seeing What Others Miss
As he climbed into his pickup truck； outside of his little convenience store； he said； 〃Keep working boys； but the sooner you forget about needing a paycheck； the easier your adult life will be。 Keep using your brain； work for free； and soon your mind will show you ways of making money far beyond what I could ever pay you。 You will see things that other people never see。 Opportunities right in front of their noses。 Most people never see these opportunities because they're looking for money and security； so that's all they get。 The moment you see one opportunity； you will see them for the rest of your life。 The moment you do that； I'll teach you something else。 Learn this； and you'll avoid one of life's biggest traps。 You'll never； ever； touch that Tar Baby。〃
Mike and I picked up our things from the store and waved goodbye to Mrs。 Martin。 We went back to the park； to the same picnic bench； and spent several more hours thinking and talking。
We spent the next week at school； thinking and talking。 For two more weeks； we kept thinking； talking； and working for free。
At the end of the second Saturday； I was again saying goodbye to Mrs。 Martin and looking at the ic…book stand with a longing gaze。 The hard thing about not even getting 30 cents every Saturday was that I didn't have any money to buy ic books。 Suddenly； as Mrs。 Martin was saying goodbye to Mike and me； I saw something she was doing that I had never seen her do before。 I mean； I had seen her do it； but I never took notice of it。
Mrs。 Martin was cutting the front page of the ic book in half。 She was keeping the top half of the ic book cover and throwing the rest of the ic book into a large brown cardboard box。 When I asked her what she did with the ic books； she said； 〃I throw them away。 I give the top half of the cover back to the ic…book distributor for credit when he brings in the new ics。 He's ing in an hour。〃
Mike and I waited for an hour。 Soon the distributor arrived and I asked him if we could have the ic books。 To which he replied； 〃You can have them if you work for this store and do not resell them。〃
Our partnership was revived。 Mike's mom had a spare room in the basement that no one used。 We cleaned it out； and began piling hundreds of ic books in that room。 Soon our ic…book library was open to the public。 We hired Mike's younger sister； who loved to study； to be head librarian。 She charged each child 10 cents admission to the library； which was open from 2：30 to 4：30 p。m。 every day after school。 The customers； the children of the neighborhood； could read as many ics as they could in two hours。 It was a bargain for them since a ic costs 10 cents each； and they could read five or six in two hours。
Mike's sister would check the kids as they left； to make sure they weren't borrowing any ic books。 She also kept the books； logging in how many kids showed up each day； who they were； and any ments they might have。 Mike and I averaged 9。50 per week over a threemonth period。 We paid his sister 1 a week and allowed her to read the ics for free； which she rarely did since she was always studying。
Mike and F kept our agreement by working in the store every Saturday and collecting all the ic books from the different stores。 We kept our agreement to the distributor by not selling any ic books。 We burned them once they got too tattered。 We tried opening a branch office； but eone as dedicated as Mike's sister we could trust。
At an early age； we found out how hard it was to find good staff。
Three months after the library first opened； a fight broke out in the room。 Some bullies from another neighborhood pushed their way in and started it。 Mike's dad suggested we shut down the business。 So our ic…book business shut down； and we stopped working on Saturdays at the convenience store。 Anyway； rich dad was excited because he had new things he wanted to teach us。 He was happy because we had learned our first lesson so well。 We had learned to have money work for us。 By not getting paid for our work at the store； we were forced to use our imaginations to identify an opportunity to make money。 By starting our own business； the ic…book library； we were in control of our own finances； not dependent on an employer。 The best part was that our business generated money for us； even when we weren't physically there。 Our money worked for us。 Instead of paying us money； rich dad had given us so much more。
CHAPTER THREE
Lesson Two：Why Teach Financial Literacy？
In 1990； my best friend； Mike； took over his father's empire and is； in fact； doing a better job than his dad did。 We see each other once or twice a year on the golf course。 He and his wife are wealthier than you could imagine。 Rich dad's empire is in great hands； and Mike is now grooming his son to take his place； as his dad had groomed us。
In 1994； I retired at the age of 47； and my wife； Kim； was 37。 Retirement does not mean not working。 To my wife and me； it means that barring unforeseen cataclysmic changes； we can work or not work； and our wealth grows automatically； staying way ahead of inflation。 I guess it means freedom。 The assets are large enough to grow by themselves。 It's like planting a tree。 You water it for years and then one day it doesn't need you anymore。 It's roots have gone down deep enough。 Then； the tree provides shade for your enjoyment。
Mike chose to run the empire and I chose to retire。
Whenever I speak to groups of people； they often ask what I would remend or what could they do？ 〃How do they get started？〃 〃Is there a good book I would remend？〃 〃What should they do to prepare their children？〃 〃What is the secret to success？〃 〃How do I make millions？〃 I am always reminded of this article I was once given。 It goes as follows。
THE RICHEST BUSINESSMEN
In 1923 a group of our greatest leaders and richest businessmen held a meeting at the Edgewater Beach hotel in Chicago