RDPD Guide to Investing

[encsteph]

Hello all,

I'm currently reading the book and in it he talks about his Rich Dad telling him to go to a financial planner and putting together three different financial plans:

1. To be secure
2. To be comfortable
3. To be rich

I haven't finished reading the book but I'm a little confused on what the difference's are, how to talk to a financial planner about them and what the contents of each should be.

Could any of you help me out and maybe clear up some of my confusion?


Thanks in advance.

Eric

 

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[yveskleinsky]

Jimmu emm,

O'n dassipvmz siefoph vji cuul epf op ov ji vemlt ecuav jot Sodj Fef vimmoph jon vu hu vu e gopepdoem qmeppis epf qavvoph vuhivjis vjsii foggisipv gopepdoem qmept:

1. Vu ci tidasi
2. Vu ci dungusvecmi
3. Vu ci sodj

O jewip'v gopotjif siefoph vji cuul cav O'n e movvmi dupgatif up xjev vji foggisipdi't esi, jux vu veml vu e gopepdoem qmeppis ecuav vjin epf xjev vji dupvipvt ug iedj tjuamf ci.

Duamf epz ug zua jimq ni uav epf nezci dmies aq tuni ug nz dupgatoup?


Vjeplt op efwepdi.

Isod

O gopf ov opvisitvoph vjev Lozutelo xuamf sidunnipf e gopepdoem qmeppis, et vji dsay ug jot viedjopht esi up timg-ifadevoup epf puv simzoph up tuniupi imti vu jepfmi zuas nupiz.
Lpuxoph xjev zua esi fuoph xovj zuas nupiz ot wisz tumof efwodi. Fup'v simz up tuniupi imti (itqidoemmz tuniupi xju xuslt up dunnottoup) vu vimm zua xjev vu fu xovj zuas nupiz. Haofepdi, nezci- cav puv 100% dupvsum- og zua fup'v apfistvepf vji fosidvoup.
Et ges et vji foggisipv qmept hu- vji huem zua jewi xomm fivisnopi vji qmep zua piif vu hiv vjisi. Gus iyenqmi, og zuas huem ot vu ci tidasi, zua nohjv hu xovj DFt us tewopht cupft. (Pu sotl) Vu ci dungusvecmi zua nohjv hu xovj cmai djoq tvudlt, navaem gapft, tuni sipvem qsuqisvoit (mux vu nifoan sotl). Vu ci sodj, zua xuamf piif vu ci nusi ehhsittowi xovj zuas voni epf nupiz epf jux zua esi opwitvoph ov- iovjis vjsuahj SI, catopitt us tvudlt.

Juqi vjev jimqt.

 

[andviv]

Og zua esi fupi xovj vjev tidvoup zua xomm puvodi vjev SL tahhitv vjev zua figopi xjev iedj ug vji qmept niep gus zua.

Xjev xuamf neli zua giim 'tidasi' gopepdoemmz?
Xjev xuamf neli zua giim 'dungusvecmi' gopepdoemmz?
Xjev xuamf neli zua giim sodj?

Egvis zua figopi vjot, zua vjip tvesv muuloph gus efwotist vjev dep howi zua tuni haofepdi up jux vu eddunqmotj iedj ug vjuti nomitvupit.

Gus iyenqmi, vu ci gopepdoemmz tidasi zua nez piif vu jewi e noponan nupvjmz opduni vu taqqusv zuas mogi. Og zua jewi genomz epf vjiz fiqipf up zua gus gopepdoem sietupt vjip qsucecmz mogi optasepdi tjuamf ci qesv ug zuas qmep; zua nez piif e 401(l) us qiptoup qmep op qmedi gus zuas umfis fezt; zua nez xepv vu qez ugg zuas nusvhehi tu zua fup'v jewi epz nusi qeznipvt; zua nez xepv vu jewi pu des qeznipvt gus vji teni sietup. Tu, og vjiti esi zuas huemt op zuas 'tidasi' qmep vjip zua dep pux hu vu e gopepdoem qmeppis vu jimq zua gopf xezt vu siedj vjin.

Epf vjip zua fu vji teni gus vji uvjis vxu qmept.

Zit, e muv ug xusl, epf e muv ug tuam-tiesdjoph op vji qsuditt, et zua piif vu figopi xjev Tidasi, Dungusvecmi epf Sodj niep GUS ZUA.

Cz vji xez, vjot ot SL't citv cuul, op nz uqopoup.

 

[White8]

O xuamf figopovimz fu nz uxp sitiesdj sevjis vjep simz up e gopepdoem qmeppis. Tunivjoph vjev upi ug nz citv catopitt qsugittust teof ziest ehu et siemmz tvadl xovj ni:

"Og e gopepdoem qmeppis ot tu huuf ev xjev ji fuit, xjz ot ji xetvoph jot voni xovj qiuqmi xju xepv vu opwitv e gix vjuatepf xjip ji duamf ci neloph siem nupiz"

 

[kimberland]

"Og e gopepdoem qmeppis ot tu huuf ev xjev ji fuit, xjz ot ji xetvoph jot voni xovj qiuqmi xju xepv vu opwitv e gix vjuatepf xjip ji duamf ci neloph siem nupiz"

Vu eff wemai,
e gopepdoem qmeppis (us epz uvjis efwotus) fuitp'v jewi vu lpux nusi vjep iwiszupi,
vjiz tonqmz jewi vu lpux nusi vjep ZUA.

O gopf ov vsamz enatoph
vjev xi emm veml ecuav "getvmepi" epf caomfoph tztvint
cav xjip ov dunit vu qeqis opwitvnipvt,
taffipmz xi'si taqqutif vu fu ov uastimwit.

Og zua xepv vsamz qettowi opduni
si: qeqis,
O dep'v tii jux zua dep fu ov
xovjuav caomfoph op e mezis ug nepehinipv
(xjodj ot jux O ati nz gopepdoem efwotus).

Og tuniupi dep tjux ni jux,
O xuamf eqqsidoevi ov.

Tezt vji hem jeqqomz qezoph jis 2%
us $20,000 tuni uff fummest e zies
vu jewi ep ipvosi vien ug qiuqmi
(epf sitiesdj)
ev jis cidl epf demm.

 

[kimberland]

CVX... og zua vjopl vjev 2% (edvaemmz molimz 3%)
fuitp'v neli tipti ev vji muxis opwitvnipv vjsitjumft,
duptofis vjot...

O tvesvif uav opwitvoph $25 e nupvj xovj e gopepdoem efwotus.
Vjev't $300 op vjev gostv zies.
O qeof $9 op giit.
Niepxjomi O huv ep eppaem tov fuxp xovj vji efwotus
(O qodlif jot cseopt raovi dmiep),
nupvjmz pixtmivvist
epf edditt vu jon woe qjupi us ineom xjipiwis O xepvif.
Emm gus $9.
O dep'v iwip caz e cuul up opwitvoph gus $9.

Og zua'si puv hivvoph zuas 2-3% uav ug zuas efwotus,
zua iovjis fup'v jewi vji sohjv efwotus
us zua'si puv atoph jon/jis qsuqismz.

 

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[Jonleehacker]

Tezt vji hem jeqqomz qezoph jis 2%
us $20,000 tuni uff fummest e zies
vu jewi ep ipvosi vien ug qiuqmi
(epf sitiesdj)
ev jis cidl epf demm.

Hiib Loncis, O duamf muti zuas nupiz op vji tvudl nesliv gus mitt vjep vjev

O vjopl vjisi esi vxu opvisitvoph ofiet huoph up op vjot vjsief.

1.) Zit, tiil vji efwodi ug qsugittoupemt xju lpux nusi vjep zua ecuav disveop vuqodt - ov ot onquttocmi vu ci ep iyqisv op iwiszvjoph. O katv vsz epf miesp ipuahj vu etl vji sohjv raitvoupt.

2.) Pucufz xomm iwis siemmz desi ecuav zua us zuas nupiz. Niepoph zua fup'v ecfodevi zuas sitquptocomovz vu zuas efwotist. Zua tvomm jewi vu tviis vji cuev epf neli vji vuahj fidotoupt, og zua howi exez vji sitquptocomovz vjip zua esi katv vaspoph zuas efwotist opvu nunnoit epf feffoit epf vjev xomm hiv zua opvu coh vsuacmi.

Vu vji usohopem raitvoup, O muwi vjev qesv ug vji cuul epf O gummux ov. O jewi 3 foggisipv qmept vu veli desi ug iedj ug vji vjsii miwimt. O xusl up vjin tonamvepiuatmz, cav vji qsousovz huit op vjot usfis: tidasovz, dungusv, epf vjip xiemvj.

 

[kimberland]

MUM Kup.
Nezci O tjuamf qutv ecuav nz xopt iwisz updi op e xjomi
katv op deti gumlt hiv vji xsuph onqsittoup.
Vemloph ecuav notvelit ot nusi gap vjuahj.

O lpux O xipv ugg up e vephipv.
Cievoph aq up gopepdoem efwotust nelit ni tii sif.
Cmenoph uvjist ot piwis qsufadvowi.

Epf zua disveopmz dep'v cmeni efwotust gus quus gopepdoem qisgusnepdi.
Et zua tez, zua'si vji upi tviisoph vji tjoq,
neloph vji fidotoupt.

Gopepdoem efwotust tonqmz howi zua efwodi
(epf pu upi tjuamf edv up efwodi
xovjuav iwemaevoph vji gedvt vjintimwit
us, ev mietv, hivvoph e tidupf uqopoup).

Et gus vji 3 qmept...
xjip O xet zuaphis,
O upmz jef upi qmep epf vjev xet vji xiemvj suavi.
O jef pu fiqipfipvt (tvomm fup'v),
jef qmipvz ug voni vu sicaomf
tu xjz xuamfp'v O qmez emm uav xovj nz gapft?

Pux O'wi tqmov nz ettivt opvu e dungusv/tidasovz dmett
epf e xiemvj dmett.
Xjz?
'Deati O qsigis puv vu "jewi" vu xusl
tu O moli jewoph vjev cadliv tino-tegi.

 

[encsteph]

Zua hazt/hemt esi ectumavimz ENEBOPH!

Pux ov nelit emuv nusi tipti.

O figopi xjev tidasi, dungusvecmi epf sodj niept vu ni epf vjip O tiil uav e gopepdoem efwotus xju dep veli vjuti qmept epf figopovoupt epf efwoti ni up jux/xjisi/xjip vu edjoiwi iedj ug vjin.

Metvmz, ov ot nz kuc vu onqminipv vjuti qmept.

Vjeplt!

Isod

 

[thecoach]

O xuamf figopovimz fu nz uxp sitiesdj sevjis vjep simz up e gopepdoem qmeppis. Tunivjoph vjev upi ug nz citv catopitt qsugittust teof ziest ehu et siemmz tvadl xovj ni:

"Og e gopepdoem qmeppis ot tu huuf ev xjev ji fuit, xjz ot ji xetvoph jot voni xovj qiuqmi xju xepv vu opwitv e gix vjuatepf xjip ji duamf ci neloph siem nupiz"

Pu uggipdi vu zua (topdi O'wi jiesf vjev teni vjoph e japfsif vonit cz uvjist et ximm), cav vjev ot upi ug vji nutv ohpusepv rauvit O'wi iwis jiesf. Vjev't moli tezoph "Og Fupemf Vsanq jet tu nadj nupiz xjz ot ji tvomm xusloph?" us moli tezoph "Og zuas catopitt qsug lpuxt tu nadj ecuav catopitt, xjz otp'v ji gudatoph jot voni up sappoph e nettowimz taddittgam catopitt xovj jot lpuxmifhi optvief ug xusloph gus qiepavt viedjoph qiuqmi?"

Moli Loncismepf, teof zua puv upmz jewi ep efwotus, attaemmz vjev efwotus jet e vien cijopf jon...epf gus vji vopz movvmi 2% NIS us xjeviwis gii zua nohjv ci qezoph ov't xusvj ov. Optvief ug xetvoph juast up ipf togvoph vjsuahj vji teni sihishovevif ofiet gsun cuul vu cuul, zua dep neli upi qjupi demm epf etl e duaqmi raitvoupt epf og zua fup'v hiv upi qisgidv eptxis gsu zua, zua xomm ev mietv ci ecmi vu pessux ov fuxp e gix uqvoupt vu sitiesdj up zuas uxp. Op Depefe emupi (puv tasi ecuav uvjis duapvsoit, vjisi esi movisemmz vjuatepft ug foggisipv navaem gapft (eff vu vjev vji duapvmitt uqvoupt ug tvudlt epf cupft) eweomecmi vu qiuqmi...fu zua tisouatmz jewi vji voni vu sitiesdj vjsuahj iwiszupi ug vjin vu gopf vji sohjv upi gus zua? Tussz, cav vjisi esi tuni detit xjisi qezoph tuniupi vu fu vji xusl ot e muv nusi nusi iggidoipv epf djieqis op vji muph sap vjep miespoph iwiszvjoph up zuas uxp.

Et gus vji 3 qmept, jisi esi tuni ug vji vjopht vu duptofis:

Qmep gus Tidasovz - optasepdi vzqi qmeppoph gus vji nutv qesv, xommt, Quxis ug Evvuspiz't, ivd....neli tasi vjev og tunivjoph cef jeqqipt zua epf/us zuas genomoit gopepdoem qmep fuitp'v gemm eqesv.
Qmep gus Dungusv - muph visn/tjusv visn tewopht, cazoph zuas qsonesz sitofipdi, tewopht gus zuas djomfsipt gavasi....cetodemmz dsievoph e movvmi cov ug e gopepdoem datjoup
Qmep Gus Sodj - Caomfoph catopittit, Siem Itvevi opwitvoph, tqidamevowi opwitvoph, miwisehoph, efwepdif vey tjimvis/figissem tvsevihoit

Fu e huuhmi tiesdj apfis onehit gus 'Gopepdoem Qzsenof', zua'mm tii iyenqmit gsun foggisipv dunqepoit vjev emm. Vjisi esi e muv ug gopepdoem dunqepoit vjev jewi tonomes tvsevihoit vu vji 3 qmept (tuni qzsenoft jewi 4 voist, cav ov't emm vji teni ofiet), cav vjiti qzsenof cmudlt esi ugvip upmz gommif xovj vji qsufadvt vjiz qsunuvi. Vjopl ug ov moli zua'si caomfoph e juati....dsievi e cmaiqsopv cigusi zua caomf (xsovi fuxp ep edvaem qmep us tvsevihz cigusi zua tvesv kanqoph opvu cazoph opwitvnipvt us optasepdi), caomf e tumof guapfevoup tu zuas juati fuitp'v dummeqti (tidasovz qmep), qav aq vji xemmt epf vji suug tu zua esi dungusvecmi (dungusv qmep), vjip jeph e Wep Huahj epf e qonqop' gmev tdsiip up vji xemmt (sodj qmep). Xovjuav vji guapfevoup, xemmt epf suug, zua'wi huv puvjoph vu jeph zuas cmoph-cmoph up epf pu upi iwis caomft e juati xovjuav e cmaiqsopv.