Theoretically, this statement is correct from the point of view of the gradual connection between paper money and gold. The value of money is equal to the real value+inflation, and the real value is the total number of real things that money can buy. Inflation will squeeze the real value space, resulting in a sharp decline in the real value of money with the same face value. After the currency is linked to gold, the more it is sold, the greater the probability of inflation in the long run. If the time axis is extended for several decades, the inflation level should not be underestimated. I still remember that thirty years ago, teachers' salaries were like a month's 30 yuan money, which could cover a month's living expenses. If a teacher exchanges his human capital for a salary when he is young, it is not what to buy, but what to save. In that case, according to the interest rate of 5%, 30 years later, 75 yuan is actually, and it is very likely that he will buy 3-4 Jin of meat. If he spends less than a few days, the real value of his money will be flattened by inflation.

So theoretically, long-term personal behavior is harmful to the value of money. In recent years, people advocate saving. First, because of the short-term economic decline, investment products have poor short-term performance; Secondly, because there are many blind consumers in society, and the interest rate of such blind consumption has been calculated to be above 13%-36%, which is much stronger than inflation, causing great harm to people in society. But in my opinion, there is only a moderate deposit, not too much deposit. When the savings reach a certain level, the surplus items should be traded and invested in physical assets, such as new houses and large-cap stocks, which can play an appreciation role in the long run; At the same time, take care of your working ability and the education of the next generation, so that the monetary value of the labor force will rise with the banknotes.

Rich dad and poor dad is a good book, but it is not a practical exercise book, and even some specific practices mentioned in it (buying a house, renting a house, etc.). ) It seems to be out of date and very unsuitable for China's basic national conditions, and may even be unsuitable for most ordinary people, but its key advantage is to give you a brand-new perspective to understand the relationship between money, work, study and training, and their misunderstanding of money.

Many people say that this book is to promote "Qian Shengqian". I don't think this book preaches "Qian Shengqian" blindly. How does the rich dad in the book get started? I opened a convenience store to earn money and then continued to expand my business. He just said let the money work for himself and let the money "move". If you want to invest in financial management, you can also invest in real estate, but he didn't say that you can't invest in industry. It's just that we all know that the creator won financial freedom by consulting the real estate industry, and his book is also very successful. I think everyone's interpretation of this book is completely different. I have a friend's interpretation of this book: to get rich, you must have desire, but I can't find where this book expresses this view. I think this book is an introduction to capital and business knowledge.