The author counts that he had two parents, rich and a other poor person. One was very instructed and intelligent, the other
never concluded as the degree. Both well-had been succeeded in its careers and had arduously worked during all the life, gaining considerable incomes. However, one always faced difficulties and the other became the man richest of the Havaí. While the poor father said not to bind for money therefore was not important, the rich father said, money is to be able. It observed that its poor father was not poor because of the money that gained, that it was sufficient, but because of its thoughts and action. One of the reasons for which the rich ones are richer, the poor persons poor and the middle class fight with the debts are that the subject money is not taught nor in house nor in the school. Many learn on money with the parents. The poor father says that the son who is in the school and studies very. This can be formed with excellent notes, but with a financial programming and a mentality of poor person. This explains because professional liberal with excellent notes they have financial problems during all its life. The money is a form of being able. More powerful still, however it is the financial instruction. The money comes and goes, but if you he will have been educated how much to the functioning of the money, it acquires to be able on it and it can start to construct its wealth. The taxes are only one small part of the learning to make the money to work for you. The lives are lead by two emotions: fear and ambition. If they to gain more money will continue the cycle and will increase the expenditures. The root cause of the poverty or the financial difficulties is in the fear and the ignorance, not in the economy, or the government or the rich ones. The people in general never study on investments, applications. They work, they receive wage, they confer left-handed people of the check coupon stub and alone. They are frightened with its money problems and think that to have more it decides the situation, not perceiving that it lacks financial instruction. They do not perceive that in the life what it matters is not how much money if earns, but how much conserve. Rule number one: to know the difference between an asset and liabilities and to buy asset. Expenditure in. 1: they are the taxes. Great emotions tend to reduce intelligence. The financial difficulties are many times the direct result of if working all the life for other people. Much people will arrive without nothing at the end of its life of work. For the adults, the lesson and to keep reduced the expenditures, to reduce the liabilities and to diligently form a solid base of asset. For the young, it is important that the parents teach to the difference between asset and liabilities to them. The children must start to construct a firm base of asset before they leave house, they marry, they buy house, have children and if they find in a difficult financial situation, grasping it a job and buying everything on instalments. The real property assets if group in the following categories: businesses that do not demand the presence of the owner, action, headings, deep loans, property that they generate income, promissory note, royalties of copyright as music, writings, patents, everything that has value, generate income or if it values and it has a liquid market. The rich ones had created the anonymous society as vehicle to limit risk of the assets to each trip. It is the knowledge of the power of the legal structure of the anonymous society that of to rich a great advantage on the poor persons and middle class. The rich ones do not pay more taxes voluntarily, and yes they search ways to minimize its tax burden, being convinced politics to change or to create legal artifices. They have resources to make changes in the Code Tributary. The poor persons and the middle class do not have the same resources. The accounting is the financial alfabetização thatallows to identify strong and weak points of each business. The authors speak on the tray game: CASHFLOW, as education tool, where the more sophisticated the person if it becomes, more chances appear in the way. The more if it learns maisdinheiro is profit, for if accumulating experience and wisdom. The hot businesses are not offered the novices, but reserved for whom they understand. The young must look job for the learning chances, more than what for what they can receive, covering some departments to reach high positions in the organization. Rich frequent " its children prepare " or the children of the others and these acquire a general vision of the operations of the company and know the interrelation between the some departments. In short term if it can gain little, but in the long stated period it will result in great shares. Existem cinco razões que levam as pessoas financeiramente alfabetizadas a não desenvolver uma coluna de ativos significativa, que poderia render grandes montantes de fluxo de caixa. São elas: medo, ceticismo, preguiça, maus hábitos, arrogância.