系统正在崩塌——而大多数人却视而不见

这里是富爸爸电台节目，关于金钱的好消息与坏消息。有请罗伯特·清崎。

This is the rich dad radio show. The good news and bad news about money. Here's Robert Kiyosaki.

大家好，我是罗伯特·清崎，可能最广为人知的是《富爸爸穷爸爸》这本书。但今天我要和大家聊聊我的新书《虚假：假钱、假老师、假资产》。有趣的是，二十二年前的1997年4月，就在我生日那天，《富爸爸穷爸爸》首次出版。

Hello. This is Robert Kiyosaki, and I'm probably best known for the book Rich Dad Poor Dad. But I'm here to talk to you about my book. The book is called Fake, Fake Money, Fake Teachers, Fake Assets. And it's interesting, twenty two years ago, Rich Dad Poor Dad came out on my birthday, April 1997.

这本书可以说是《富爸爸穷爸爸》的进阶版，但它其实揭示了我当年创作《富爸爸穷爸爸》的真正原因。故事要追溯到上世纪八十年代，确切说是1983年。那时我是巴克敏斯特·富勒博士的学生，他最著名的成就是发明了网格球顶。这个球顶建筑曾作为美国馆亮相1967年加拿大蒙特利尔世博会。当年19岁的我，从纽约一路搭便车到蒙特利尔就为了亲眼看看富勒设计的美国馆。

So this is the advanced version of Rich Dad Poor Dad, but it's really the real reason I wrote Rich Dad Poor Dad. And give a little genesis of how this book came years and years ago, back in the eighties, 1983 to be specific. I was I'm a student for a man named doctor r Buckminster Fuller, who was best known for the creation of a geodesic dome. This geodesic dome was a US pavilion at the World's Fair at Expo sixty seven in Montreal, Canada. So in 1967, I was a 19 year old kid, and I hitchhiked from New York City up to Montreal to see Bucky Fuller's Expo, The Dome, the, you know, the US Pavilion.

那绝对是最震撼人心的建筑。后来我在1981到1983年间终于结识了富勒。1983年7月1日，富勒与世长辞，但他留下了这本《巨人的阴谋》。GRUNCH这个缩写代表全球无现金掠夺体系。

It was the most amazing thing. And then I met Fuller finally in 1981, '82, and '83. And in 1983, Bucky Fuller passed away on 07/01/1983. But he left behind this book called Grunch of Giants. And what grunch stands for is gross universal cashless.

它揭示了超级富豪如何榨取我们的财富。正是受《巨人的阴谋》启发，我辞去工作，关闭公司，决心揭开这个掠夺体系的真相。眼前这本书就是我多年研究的成果——《虚假》。

It's how the ultra rich rip us off of our money. And so because of Grunch of Giants, this book here, I I gave up my job. I gave up my company. And I want to find out how Grunch ripped people off. So this here is the book that that all my years of study have come up with fake.

我先简单概括下内容，详细分析还请阅读原著。超级富豪通过三种方式掠夺我们：操控货币、教育体系和资产配置。这就是《虚假》的核心观点。众所周知，当今多数新闻都是虚假的。在书中，我从社交媒体乱象切入分析。

And I'll just give you a little summary of it and hopefully you'll read more detail inside fake here. But the way the rich, ultra rich, the uber rich rip us off is via our money, our teachers, and our assets. So that's what fake's about. And you well know today, you'll know most news is fake. In this book, I I start with here in social media.

社交媒体上的虚假信息比真实信息更有利可图。现在的新闻频道...说实话我都不明白自己为何还要收听，因为基本都是假新闻。顺便说，我既不支持共和党也不倾向民主党。唐纳德·特朗普是我的朋友，但我知道他让很多人感到不安。

You know, misinformation on social media is more they make more money on misinformation or fake information than real information. And our our news channels today, I mean, I don't know why I even listen to that stuff. Because most of it's fake. And and by the way, I'm not republican or democrat. Donald Trump is my friend, but I know he upsets a lot of people.

但我来不是为了替他辩护。关键在于，当今世界真实发生的情况是贫富差距正变得越来越悬殊。要知道，如今中产阶级的困境在于你们正变得越来越穷。所谓中产阶级规模在缩小？不，他们规模其实在扩大，但确实变得更穷了。

But I'm not here to defend him. But the point here is this, what's really going on in the world today is the gap between the rich and everybody else is getting wider and wider. You know, the trouble with being middle class today is that you're getting poorer. You know, You say the middle class is shrinking, and they're not shrinking. They're getting actually bigger, but they're getting poorer.

正因如此我写了《富爸爸穷爸爸》，也正因如此我写了这本《虚假》。贫富差距扩大的根源在于虚假货币、虚假教育者和虚假资产。教育比以往任何时候都更重要。我并非针对教师个人，而是针对被富人操控的教育体系。

So that's why, you know, I wrote Rich Dad Poor Dad, And that's why I wrote this book Fake. Because the reason the gap between the rich and everybody else is getting bigger is because of fake money, fake teachers, and fake assets. And education is more important than before. I'm not picking on the teachers. I'm picking on the system of education, which is controlled by the rich.

我始终在追问：为什么学校不教我们关于金钱的知识？为什么？难道就教我们核对支票簿？哦真棒。还有我的FICO信用评分，也就是债务评分。

You know, question I ask all the time is why doesn't our school teach us about money? Why not? Well, I balance a checkbook. Oh, good. I got my FICO score, you know, my debt score.

这算什么本事？简直愚不可及！听着，这些人完全不教授真正的理财知识，但这绝非偶然。重申一次，我并非指责教师个体。要知道90%的教师都...

I mean, big deal. I mean, how stupid can you be? Look, these guys teach us nothing about money, but it's not an accident. So not picking on the teachers, you know. 90% of all No.

更正，不是90%。80%的教师都是好人。20%只是混日子领工资等退休，但现在他们的退休金也岌岌可危。总之称之为虚假，是因为这三者皆伪，且绝非偶然。

Not 90%. 80% of all teachers are good people. 20% are just there for the paycheck and their retirement, but their retirements are in trouble now. So anyway, the reason it's fake is all three are fake. It's and it's not an accident.

这正是富勒在《巨人的阴谋》中阐述的——全球性现金掠夺体系。这里的虚假指代虚假货币、虚假教育者和虚假资产。请阅读这本书，你会更深入理解。之后我将进一步解析为何这三者都是虚假的。

That's what Fuller wrote about in his book, Grunch of Giants, Gross Universal Cash Heist. So fake here is about fake money, fake teachers, and fake assets. So please read the book. You'll understand a little bit more. And then I'll and and I will go further into why is fake money, fake teachers, and fake assets.

让我简要概述这个虚假体系为何三位一体：虚假货币、虚假教育者、虚假资产。请注意，女士们先生们，货币是由美国政府创造的。这套机制在全球如出一辙，全世界都是如此。

So let me give you a brief overview on fake and why it's all the same thing. Fake money, fake teachers, fake assets. Look, ladies and gentlemen, money is created by the US government. And this is the same all over the world. All over the world.

要知道，美国有中央银行，欧洲有中央银行，日本有中央银行，墨西哥也有中央银行。货币是以债务形式被创造的。因此1971年后，货币变成了债务，因为美元变成了债务。而这些人都说，哦，快摆脱债务吧。

You know, The US has a central bank. European Europe has a central bank, Japan has a central bank, Mexico has a central bank. So money is created as debt. So after 1971, money became debt because the US dollar became debt. And all of these guys say, oh, get out of debt.

摆脱债务。听着各位，如果我们摆脱了债务，世界经济就会崩溃，因为没有债务，货币就不复存在。但他们永远不会告诉你这一点。永远不会。所以问题在于货币即债务。

Get out of debt. Look sports fans, if we got out of debt, the world economy would collapse because without debt, money doesn't exist. So they'll never tell you that. They'll never tell you that. So the problem is money is debt.

而要让债务体系运转，就必须征税。所以真正的财商教育——我在揭露的虚假教育——是关于债务和税收的。但学校永远不会教你这些。另一个事实是，学校老师完全不教我们关于金钱的知识。这是偶然的吗？

And and to have debt work, have to have taxes. So real financial education, which I'm covering in fake, is about debt and taxes. But they'll never teach you that in school. The other thing our school teachers teach us nothing about money. Is that an accident?

不。因为早在1903年，超级富豪们就成立了某个教育协会。他们把财商教育从学校课程中剔除了。教育的目的是培养雇员和士兵——只会听话行事的人。

No. It's because the ultra rich, way back in nineteen o three, created the something association on education. And they took financial education out of our schools. The purpose of education was to create employees and soldiers. People who would do as are told.

所以如今的教师对此一无所知。最让多数教师恐惧的是，他们的信念体系就像我贫穷的父亲那样：如果当上老师，就能获得稳定薪水和终身养老金。这早已不现实了。教师养老金已经破产。

So our teachers know nothing about it today. And the thing that's frightening for most teachers is they went to, you know, their belief system was like my poor dad. If I got a job as a teacher, I would get a steady paycheck and a pension for life. That's not true anymore. Teachers pensions are bankrupt.

为什么会破产？就是因为这些人。而这一切由华尔街掌控。那些银行家们。所以他们教导你去上学、找工作。

Why are they bankrupt? Because of these guys here. And this is controlled by Wall Street. The bankers there. So what they tell you to do is go to school, get a job.

他们完全不教你关于金钱的知识。然后这些人又让你投资股票、债券、共同基金、ETF和储蓄账户。股票、债券、共同基金、ETF和储蓄账户。这意味着你的钱流向了这些人，而不是流向你自己。

They teach you nothing about money. And then these guys tell you to invest in stocks, bonds, mutual funds, ETFs, and savings. Stocks, bonds, mutual funds, ETFs, and savings. That means your money flows to these guys here. It doesn't go to you.

这些人的做法是从教师工会、消防员工会和警察工会那里榨取利益。养老金是华尔街最大的资产池。所以这是一个虚假的体系。这正是我在《假象》一书中揭露的内容。我们所有人都被超级富豪设局了，正如富勒所说的‘全球性恶意现金掠夺’（Grudge, Gross Universal Cash Heist）。

And what these guys do, they suck it out of the teachers unions and the firefighters unions and the police unions. Pensions are the biggest asset pool for Wall Street. So this is a system of fake. And that's what I cover in my book Fake. You've been all we've all been set up by the ultra rich and what Fuller called grudge, gross universal cash heist.

我们在《富爸爸穷爸爸》中教导人们认识债务和税收。选择导师必须谨慎。在《假象》里我写道，你知道是什么让三位智者成为智者吗？顺便说，我并非基督徒，也不是在宣扬基督教。

So what we did at Rich Dad Poor Dad, we said we teach you about debt and taxes. Gotta be careful who your teachers are. In Fake, I write about, you know, what made the three wise men wise. What made the three wise men wise I'm not Christian, by the way. I'm not promoting Christianity.

让这三位成为智者的原因是他们寻访了最优秀的导师。因此我在书中记录了我所了解的关于这个体系的最杰出导师。另外，我不投资股市——虽然我曾让三家公司上市，也实际参与过股票发行，但我自己不会投资它们。

What made the three men wise was they went searching for the best teachers. So in fact, I write about the best teachers I know about this system here. And also, you know, I don't invest in the stock market. I've taken three companies public, and I actually produce stocks and those things. But I wouldn't invest in them.

亲爱的，你可以投资。但我不会。这些就是《假象》中探讨的部分内容，因为这类资产的致命问题在于：众所周知，市场有涨必有跌。可怕的是它持续暴涨暴跌，只因他们不断印钞制造虚假繁荣来支撑这个泡沫。哦，我深有体会——

You should, baby. But I wouldn't. So those are some of the things I cover in fake because one of the problem with these assets, as we know, markets go up and markets come down. That's the frightening part because it's been going up and down, up and down, up and down because they keep printing more fake money to pump this thing up. And, oh, I had this.

我的房产升值了，我的股票上涨了。但它们正在为下一次崩盘做准备。让我重申并做个简短演示：《假象》揭露的是虚假货币、虚假导师、虚假资产。

My house price went up. My stock markets are up. And they're being set up for the next crash year. So let me say it again, and I'll show you a little short demonstration. My book Fake is about fake money, fake teachers, fake assets.

它们本质相同，都属于富勒所说的‘全球现金掠夺’。眼前这些人根本不懂金钱，却教你投资股市和储蓄，简直荒谬。更糟的是，你们还在听华尔街冒牌导师的建议——

They're all the same thing. They come under Grunch, Gross Universal Cash Ice by Buckminster Fuller. So these guys here you know, these guys don't know anything about money, and they tell you to put your money in the stock market and save money. It's ridiculous. And on top of that, you'll listen to fake teachers from Wall Street.

他们自称理财规划师、股票经纪人、房地产经纪或保险经纪。我富爸爸说过，他们被称为‘经纪’（broker）是因为比你还穷（broker谐音）。这些全是糟糕的虚假建议。现在我要展示的关键证据会让一切真相大白：1971年，美元成为了彻头彻尾的骗局。

They're called financial planners or stock brokers or real estate brokers or insure insurance brokers. The reason they're called brokers, as my rich dad said, because they're broker than you. So you take all of this bad advice and it's all fake. So let me show you something here and I think this will probably make up the make the make it as clear as possible. In 1971 here, the US dollar became fake.

于是货币变得虚假，因为他们可以随心所欲地印刷。这就是1971年后发生的事。当政府无法解决资金问题时，美国政府及全球各国政府开始这样做。他们开始印制虚假货币，经济随之扩张。之后，他们持续不断地扩大经济规模。

And became fake because they could print as much as they want. So this is what happened after 1971. When the government couldn't solve its money problems, the US government and governments throughout the world started to do this. They started printing fake money, and the economy expanded. And after and they kept they kept expanding the economy.

看看这个。天啊。经济中的货币越来越多。一切看似都很美好。对我们婴儿潮一代来说，市场就这样不断攀升再攀升。

Look at it. Oh my god. There's more money in the economy. And everything was fine. So what happened for the baby boomers, my generation, markets kept going up and up and up.

因此婴儿潮一代只经历过好时光。接着在二月份，经济学家们称之为互联网泡沫破裂的事件发生了。政府做了什么？因为这是虚假货币。

So the baby boomers have only known a good time. So then something happened in the year February. The economist like this, it was a .com bust. So what did the government do? Because it's fake money.

老师们不断教导说：投资吧，找份工作，别担心，有稳定的薪水。华尔街则说：要做长期投资。于是二月之后，他们继续向经济注入更多虚假货币。然后到了2008年2月，众所周知，危机爆发了，人们担心我们将陷入大萧条。但美国政府没有让经济崩溃，他们做了什么？

And the teachers kept saying invest, know, get a job, don't worry about it, steady paychecks. And Wall Street said, invest for the long term. So after February, they kept blowing more money, fake money into the economy. So then what happened in 02/2008, as you know, there was a bust and they were afraid we were going to go into a depression. But instead of letting the economy collapse, what did the US government do?

世界各国政府又做了什么？日本、中国、欧洲、南美这些国家。他们持续向经济注入更多被称为债务的虚假货币。因此2008年2月，问题非但没有解决，如今全球经济已膨胀成这个巨大的泡沫。关键在于，整个世界都漂浮在债务和虚假货币之上，问题从未真正解决。

What did every government across the world do? These guys here, Japan, China, Europe, South America. So They kept pumping more fake money known as debt into the economy. So 02/2008, instead of fixing the problem So today, the world economy is this big fat balloon. The point here is the whole world is floating on debt, fake money, and they never solve the problem.

这些人，这些教师永远不会告诉我们真相。他们总是说：哦，别担心。别担心。找份安稳的工作就好。而当今的年轻人正面临什么？他们毕业时背负着美国16万亿美元的学生贷款债务。

These guys, these teachers will never tell us what's happening. They keep saying, oh, don't worry. Don't worry. You get a safe, secure job. And what's happening to young people today, they're leaving school with 1,600,000,000,000 in America.

整整16万亿美元的学生贷款债务。他们大多数人找不到能偿还这笔债务的工作。而我们这代人，老家伙们的退休计划里充斥着虚假资产——股票、债券、共同基金和储蓄。就这样，我们站在了历史的最高点。

1,600,000,000,000.0 in student loan debt. And most of them can't find a job that'll pay off their student loan debt. And the old guys, my generation, their retirement plans are just filled with fake assets. There are stocks, bonds, mutual funds, and savings. So here we are at an all time high.

华尔街那些人，他们根本不做任何改变。正当婴儿潮一代开始退休，年轻人发现自己无力偿还学生贷款债务——总额高达1.6万亿美元时，特朗普做了什么？他通过减税让泡沫继续膨胀。他们降低利率，好让你借更多钱。

Wall Street, these guys, these guys, they're not making any changes. So just as the baby boomers start to retire and the young kids find out they can't pay off their student loan debt, it's $1,600,000,000,000. What did Trump do? He cut taxes to keep this thing blowing up. They reduced interest rates to keep this so you borrow more money.

于是我们眼前的世界经济就像个不断膨胀的大气球。我称之为'泡沫经济学'而非传统经济学。难道需要博士学位才能预见接下来会发生什么吗？假设婴儿潮一代发现自己的退休金化为乌有...

So here we have a world economy. Just this big fat balloon. So the question I have is that this is called Bubblenomics, not economics, Bubblenomics. Now, do you have to have a PhD to know what's gonna happen next? Let's say the baby boomers find out their retirements are break broke.

他们的医保和社保福利将不复存在。那些发现华尔街洗劫了自己养老金的教师们怎么办？警察和消防员们怎么办？在泡沫经济学里，我们很可能继续这样下去。于是房价持续攀升。

Their entitlements, they're not Medicare, Social Security won't be there for them. What about all the school teachers who found out that Wall Street just robbed their pensions of their money, and the police officers, and the firefighters? How are gonna solve the problem? In bubble economics, we're probably gonna keep doing this. So real estate prices keep going up.

食品价格持续上涨。医药费用持续上涨。教育成本持续上涨。但他们不解决问题，因为问题根源在于教育体系。那么问题来了：接下来会发生什么？

Food keeps going up. Medicine keeps going up. Education keeps going up. But they don't fix the problem because a problem starts here with education. So question is, what's gonna happen?

这就是即将发生的现实。因此我写了《虚假》这本书，希望你们通过阅读明白如何避免成为这场即将到来的大崩溃的牺牲品。我必须说——虽然希望它不要发生——但这一切要追溯到1971年。

That's what's gonna happen. So that's why I wrote fake. I ask you to read fake to understand there's things you can do to not be a victim of the biggest crash that's coming. Let me say this. I hope it doesn't come, but it goes back to 1971.

不能永远靠印钞来拯救经济，不能维持不教授理财知识的教育体系，更不能任由华尔街银行家通过401k计划、RRSP、超级年金、IRA和罗斯IRA等工具继续向全世界索要资金。一个对金融如此无知的世界终将崩溃——当我们不断用虚假货币填补问题时。

You just can't keep printing money to save the economy. You can't keep having an education system that doesn't teach you about money. And you can't keep having Wall Street Bankers telling the world what to give them more and more money through their four zero one k's or RRSP's, their superannuations, their IRA's, Roth IRA's. You can't have a country so a world so stupid about money. Because if we keep solving our problems by filling it more and more with fake money, we're gonna bust.

历史不断重演：中国人经历过，意大利罗马人经历过，现在轮到美国。当今世界因虚假货币、虚假教育和虚假资产而处于前所未有的危险境地。

It has happened throughout history. The Chinese did it. Italians or the Romans did it. Now America's doing it. So this is where we are in the world, and never has the world been in such a precarious position due to fake money, fake teachers, and fake assets.

所以我写‘虚假’并非因为需要更多钱，而是想鼓励你们以不同方式思考，学习不同策略。你们会在‘虚假’中发现，我如何为有史以来最大的泡沫破裂做准备。泡沫破裂的好处在于，当它们破灭时，富人会更富。而许多普通人、中产阶级则会变得更穷。这就是我写‘虚假’的原因。

So I wrote fake not because I need more money, but I like to encourage you to think differently, to learn different strategies. You'll find out in fake how I'm preparing for the biggest bubble to bust and I've ever seen. And the good thing about bubbles busting is when they come down, the rich get richer. And what happens is many of the people, the poor middle class get poor. So that's why I wrote fake.

所以请花点时间思考一下。

So think about that for a moment.

几十年来，我一直警告这个系统很脆弱。大多数人笑了。现在它就在我们眼前崩溃。穆迪称美国经济已有三分之一陷入衰退。通胀正在上升。

For decades, I warned the system was fragile. Most people laughed. Now it's breaking right in front of us. Moody says one third of The US economy is already in recession. Inflation is rising.

工资停滞不前。能源账单的增速是通胀的两倍。这不是稳定。这是崩溃。以下是我的观察。

Wages are flat. Energy bills are climbing twice as fast as inflation. This is not stability. This is collapse. Here's what I see.

一场如互联网泡沫般巨大的AI股票泡沫。47万亿美元的美国债务无路可退。美联储陷入两难：降息则通胀飙升，加息则就业消失。

A massive AI stock bubble like a .com crash. 47,000,000,000,000 in US debt with no way out. The Fed is trapped. Cut rates and inflation surges. Pull rates and jobs vanish.

当政客们争吵不休、华尔街编织童话时，黄金白银正在暴涨。黄金今年上涨44%，白银上涨42%，而这仅仅是开始。

Like politicians argue and Wall Street spends fairy tales, gold and silver are surging. Gold is up 44 this year. Silver is up 42, and both are just getting started.

就是这样

That is

为何你需要优先黄金公司提供的《富爸爸2025财富防御指南》。它向你展示了三个简单步骤，合法、免税、免罚金地将部分个人退休账户或401k资金转入实物黄金和白银。立即拨打优先黄金电话(866) 703-9895，或发送短信'guide'至24999。没有压力，只有真实答案。

why you need the rich dad 2025 wealth defense guide from priority gold. It shows you three simple steps to move part of your IRA or four zero one k into physical gold and silver legally, tax free, penalty free. Call priority gold now at (866) 703-9895, or text the word guide to 24999. No pressure. Just real answers.

崩盘已经开始。唯一的问题是，你是否会在情况恶化前采取行动？脱发问题不在于头发本身，而在于你照镜子时的感受。HIMSS帮助你重拾信心，让简单个性化的护理真正融入你的生活。

The crash has already started. The only question is, will you act before it gets worse? Hair loss isn't about hair. It's about how you feel when you look in the mirror. HIMSS helps you take back the confidence when simple personalized care actually fits your life.

各位，我们并不常谈论这些，但我们应该这么做，因为HIMSS让一切变得简单。无需候诊室，没有隐藏费用，只有真正医生信赖的有效治疗方案。从咀嚼片、喷雾到口服药物和精华液，HIMSS使用如非那雄胺和米诺地尔等经证实成分，能在短短三到六个月内阻止脱发并促进再生。全程在线操作，按你的计划、你的节奏，直接送货上门——因为重获自信本不该复杂，它就该有效。访问himms.com/richdad，获取针对脱发、勃起功能障碍、减重等问题的个性化平价在线护理方案。

You know, guys, we don't always talk about this stuff, but we should because HIMSS makes it easy. No waiting rooms, no hidden costs, just real doctor trusted treatments that work. From chews and sprays to oral meds and serums, HIMSS uses proven ingredients like finasteride and minoxidil that can stop hair loss and regrow hair in as little as three to six months. And it's 100% online, your plan, your pace delivered right to your door because feeling yourself again shouldn't be complicated, it should just work. For simple online access to personalized and affordable care for hair loss, ED, weight loss, and more, visit himms.com/richdad.

免费在线问诊请访问himms.com/richdad。himms.com/richdad。个体效果可能因局部/口服米诺地尔及星形胶质细胞研究而异。特色产品包含复合药物，FDA未对其安全性、有效性或质量进行审批验证。需处方。

That's himms.com/richdad for your free online visit. Himms.com/richdad. Individual results may vary based on studies of topical and oral minoxidol and for an astrocyte. Featured products include compound drug products, which the FDA does not approve or verify for safety, effectiveness, or quality. Prescription required.

完整详情、限制条款及重要安全信息请参阅网站。

See website for full details, restrictions, and important safety information.

欢迎回来。如果你坚持观看到现在，说明你是《富爸爸》和教育理念的忠实粉丝，认清了虚假货币、虚假导师、虚假资产的本质。让我带你们进入更高层次的'泡沫经济学'——不是学校教授的那套谎言经济学，而是我要教你们真正的泡沫经济形态。

So welcome back. If you've, watched this far because you're such loyal devoted fans to Rich Dad and education and fake, fake money, fake teachers, fake assets. Let me take you to a little higher level of what I call BubbleNomics. Not economics that they teach in school, which is lies. But I'm gonna teach you what real bubble nomics looks like.

但更重要的是，为何富人愈富，而虚假货币、虚假导师、虚假资产正使穷人和中产阶级日益贫困。这才是真实经济学，我称之为'双轨经济学'。我喜欢它，因为它让我更富有。道理其实很简单。

But more importantly, why the rich are getting richer, and why fake money, fake teachers, fake assets are making the poor and middle class poorer. So this here is real economics. I call it doublenomics. I like it because it makes me richer. But this is very simply it.

1971年后货币的创造方式。明白吗？这是个非常重要的年份。骗局始于1972年，当时我在越南服役，富爸爸写信告诉我：尼克松让美元脱离了金本位。我们当时完全不明白这意味着什么。

The way money is created after 1971. K? Very important date. And fake starts in 1972 when I'm flying in Vietnam and my rich dad sends me a letter saying, hey, Nixon took the dollar off the gold standard. We had no idea what that meant.

我那时连黄金长什么样都不知道。因为那是1972年——当时美国人持有黄金是违法的。想象一下，这居然是违法的。

I didn't even know what gold looked like. Because this was in 1972 now. Owning gold was illegal for Americans. Imagine that. It was illegal.

所以在1971年，尼克松让美元脱离金本位后，我必须弄清楚：如果黄金不再是货币，那什么才是？货币是这样创造的：T代表财政部。美国财政部向美联储或央行出售债券——全球各国都是如此。当财政部向美联储出售债券时，美联储会开具支票。

So in 1971, Nixon took the dollar off the gold standard, and and I had to find out then if gold is no longer money, what is money? So the way money is created is here you have t stands for treasury. So the US treasury sells a bond to the Fed or the central bank. And this is true all over the world. So when they sell a US bond to the Fed, the Fed writes a check.

这就是虚假货币被印刷出来的环节。债券换虚假货币，然后它们被交给银行。货币就这样被印刷出来，流入我们的银行体系。听起来很不错，对吧？

And this where fake money is printed. Say, bond, fake money, and then they give it to banks. So money is printed this way. It goes into our banking system. Sounds good, doesn't it?

整个机制是这样运作的。但这也正是富人越来越富，中产阶级越来越穷的原因。银行会怎么做？像高盛、富国银行、美国银行、PNB、Parabas（注：应为笔误，可能指巴克莱银行）、英格兰银行等大型机构——他们会把这些钱...

So this all thing works here. But this is where this is why the rich are getting richer and the poor middle class get poorer. What do the banks do? This is like Goldman Sachs, Wells Fargo, Bank of America, PNB, Parabas, the Bank of England, stuff like that one, not the Bank of England, but the big banks. They give this money now.

这些钱现在变成了真正的货币，而银行把它们交给富人。这就是中产阶级被收割的原因。为什么不给穷人？因为1971年后，美元乃至全球货币——日元、欧元、比索——都变成了债务。富人越来越富的秘诀在于，他们通过借贷从银行获取资金，像我这样的人就是靠借钱。

It now becomes money and they give it to the rich. That's why the poor middle class get taken out. So why don't they give it to the poor middle class? Because what happened in 1971, The dollar or all money throughout the world, the yen, the euro, peso became debt. So the reason the rich get richer is the way they get the money out of the banks, guys like me, is we borrow money.

而其他人都在告诉你要远离债务。富人却用债务来购买资产。2008年整个体系崩溃泡沫破裂时，他们把利率降得极低，就是为了诱使我这样的人去借贷。所以2008年2月，我借了3亿美元以地板价收购房地产。这就是货币被创造的真相。

And what everybody else is telling you is get out of debt. What the rich are using debt for is to buy assets. So what happened in '9 in 2008 when the whole thing collapsed and bubble burst, they dropped interest rates so low because they wanted me to go in there and borrow. So in 02/2008, I borrowed $300,000,000 to buy real estate at dirt cheap prices. That's how money is created.

但可怜的中产阶级无法参与其中，因为他们失去了工作，失去了家园，失去了一切。银行也永远不会给你那么多钱，因为你没有接受过金融教育，没有信用记录，没有财务状况。所以他们只给你一张信用卡。

But the poor middle class cannot participate in that because they lost their jobs, they lost their homes, and all this. And the banks will never give you that much money because you don't have no financial education. You have no track record. You have no finances. So they give you a credit card.

给你些小恩小惠，比如刷卡送里程之类的。但这就是富人越来越富的原因。让我们再梳理一遍：财政部发行债券，比如十年期美国国债之类。

Give you bonuses like, you know, free miles to use credit cards. But this is why their rich is getting richer. So let review it one more time. The treasury then issues a bond. It's called a US treasury bill, ten year, whatever it is.

他们把这些债券卖给美联储。美联储开出支票，资金流入银行，而它变成货币的方式是通过债务形式流向富人。那些所谓的理财专家却说'快还清债务'，却又建议投资股市——这同样让那些富人更富有。

They sell it to the Fed. Feds write a check. Money goes into the bank, and the way it becomes money is they give it to the rich in the form of debt. And all these wizards out there say, oh, get out of debt. But invest in the stock market, which makes these guys richer too.

我们被坑害是因为学校教育失职。这就是当今世界的现状：富人愈富，年轻人深陷1.6万亿美元的学生贷款债务。而我们这代人的退休金，将在泡沫破裂时化为乌有。

Getting screwed because our school teachers are not doing their job. So that's kind of what's going on in the world today. So the rich get richer. The young people are deeply in debt with student loan debt, $1,600,000,000,000 in debt. And my generation, their retirements will be toasted when the bubble bursts.

已经有很多州养老金破产，比如凤凰城。凤凰城市政养老金缺口高达90亿美元。这意味着他们将不得不向穷人和中产阶级征税，来填补华尔街从养老金计划中窃取的窟窿。唯一的偿债途径就是征税，当税款被抽取后，最终又回流到财政部——这就是整个体系的运作方式。

Already, many pen state pensions are broke like Phoenix. The city of Phoenix pension plan is underwater $9,000,000,000. That means they're gonna have to tax the poor and middle class to pay for Wall Street stealing the money from the pension plans, Which brings up the next thing, the only way debt can they can recoup their money is via taxes. So when they pull the taxes out, it then goes back to the treasury. That's the system.

而我解释过，像我这样的人会利用债务但合法避税。这就是我写《虚假》的原因。如果你能理解这点，不妨读读这本书来加深认识。但更重要的是：如果你借不到这么多钱，你还能做什么？

And the and the what I explained is guys like myself, we use debt but we don't pay taxes legally. So that's why I wrote fake. If you can understand that, just read the read the book and see if you can understand a little bit better. But more importantly is what can you do? If you can't borrow this much money, what else can you do?

我在《虚假》中阐述了'无限回报'的概念——只要具备正确的财商教育，你不需要本金就能赚钱。这些都是你将在书中学到的内容。我相信你能学会，否则你可能不得不重返校园（恕我直言），去向对金钱一无所知的老师学习。现在让我来澄清一个关键点。

And I cover that in Fake. In Fake, I cover a thing called the infinite return, where if you have the right financial education, you don't need money to make money. So those are some of the things you will learn in fake. I trust you will learn it because if you don't, you'll probably go back to school, excuse me, and learn from a teacher who knows nothing about money. So let me clarify something about this here.

这被称为泡沫经济学，但学术界的专业术语称之为新新凯恩斯主义经济学。本质上，这是一种通过印钞来解决政府问题的经济模式。约翰·梅纳德·凯恩斯若泉下有知，定会辗转反侧——他曾明确表示这不是他的初衷。但如今掌权者们总说'凯恩斯也会这么做'，所以它才被冠以新凯恩斯主义之名。

This is called Bubblenomics, but in technical term, in academic world, this is called neo neo Keynesian economics. It's it's basically an economy built on printing money to solve government's problems. John Maynard Keynes, who this is named that would spin in its grave, he says, this is not what I designed it for. But all of these guys who run the government, they call well, John Maynard Keynes would do this. But that's why it's called neo Keynesian.

这个体系的设计初衷就是让富人更富，让穷人和中产阶级更穷，这些内容永远不会出现在学校课本里。让我们再深入一步——1972年我在越南战场时，这场骗局就开始了。当时我为资本主义而战，为民主制度而战。

It is a system designed to make the rich richer and the poor and middle class poor, which will never be taught in schools. So let's take it one more step. You know, I was fake starts in 1972 when I was flying in Vietnam. I was fighting for capitalism. I was fighting for democracy.

而今天，我们看到越来越多人倒向社会主义或共产主义。许多具有社会主义和共产主义倾向的教师正在教育我们的孩子'政府应该照顾你们'。让我说明社会主义的真实面貌——虽然我是资本家，但必须澄清：社会主义者倡导的并非新凯恩斯主义。

And, you know, today, we have many many people going to socialism or communism. We have many socialists and communists as school teachers who are teaching our kids that the government should take care of you. So let me explain to you what socialism looks like. And I'm a capitalist, but let me make sure the next thing. What the socialists are proposing is not neo Keynesian.

社会主义者主张的是这样的模式：这里有财政部，有中央银行，然后才是商业银行。明白吗？

What the socialists are proposing is this here. You have the US Treasury. I mean, you have the you have the Treasury. You have the central bank, and then you have the banks. Okay?

这是旧体系。新凯恩斯主义者或者说社会主义者提出的方案是：移除这些中间环节。这样做将切断流向富人的资金。当今美国的社会主义者和共产主义者主张让资金直接流向民众——这就是所谓的现代货币理论。

This is the old system. What the neo Keynesian or the what the socialists are proposing is this, take these guys out here. What that will do is cut off money to the rich. So what they're proposing, the socialists and communists in America today, the money goes this way, boom, straight to the people. This is called modern money theory.

印钞并直接发给民众。历史上多次尝试过这种方案，每次都会导致恶性通货膨胀和经济崩溃。由于体系本身的缺陷，货币最终会变得一文不值。两种体系都不完美，但这就是民主党正在推行的方案。

Print the money, give it straight to the people. And this has been tried many times throughout history. And every every time this has been tried, economies it goes to hyperinflation and economy has collapsed. So your money becomes worthless because the system is broken here. Neither system is very good, but this is what the Democrats are proposing.

而共和党主张的是另一套方案。我建议大家阅读《骗局》这本书，自行判断哪种更适合。因为选择前者可能导致恶性通胀，选择后者或将陷入大萧条——但愿我的预测是错的。

This is what the Republicans are proposing. Question I have for you is, I encourage you to read the book Fake and decide which is best for you. Because if we go this way, probably go to hyperinflation. And we go this way, we're going into a depression. So that's how I hope I'm wrong.

我真心希望自己是错的。但我已做好两手准备。这正是我在《假象》一书中探讨的——你无需成为这些问题的受害者。你可以采取行动，但必须真正行动起来。

I really do hope I'm wrong. But I'm prepared for either way. And that's what I cover in Fake. You don't have to be a victim of this stuff. You can do something, but you have to do something.

指望唐纳德·特朗普、民主党、你们的首相或总统来拯救你，这种想法实在愚蠢。我建议直接阅读《假象》来自救。现在美国这些人的诉求是：我们要免费教育、免费医疗、免费美甲、免费足疗、免费退休金，还有所谓的全民基本收入（UBI）。美国这些社会主义者想给每人每月发1万美元之类的。

To hope that Donald Trump will save you or the Democrats will save you or your prime minister or your president will save you is really silly. I suggest just read the book fake and save yourself. So what they're what these guys in America, what they're saying is we want free education. We want free medical, free manicures, free pedicures, free retirements, and another thing called UBI, universal basic income. So there's a lot of these socialists in America give everybody $10,000 a month or something.

他们还喊着向富人征税。这永远不会实现，乔。富人没那么蠢——正如你在《穷爸爸富爸爸》里读到的，富人不为钱工作。这就是当今世界的现状，也是我写《穷爸爸富爸爸》的原因。

And they're also saying tax to rich. That'll never happen, Joe. The rich aren't that stupid because the rich don't work for money as you've read Rich Dad Poor Dad. So this is what's kinda going on in the world. It's why I wrote Rich Dad Poor Dad.

我写《假象》的原因在于：他们认为解决问题的办法就是劫富济贫。但真相即将揭晓。所以如果你有机会、有意愿，请阅读《假象》并做出不同选择。若你还指望政府照顾或保护你——今晚我会为你祈祷。

Why I wrote Fake. They think the way to solve the people is to tax the rich and give the money to the poor. But this is really what's gonna go on. So please, if you have a chance, if you're so inclined, please read Fake and make different decisions. If you're hoping the government is gonna take care of you or protect you, I'll pray for you tonight.

我坚信人应该学会自立。这种政策早有先例：一战后德国魏玛政府就直接这么干了——他们开始疯狂印钞，这就是所谓的印钞机政策。

I really believe you should learn to take care of yourself. So this has been tried before. You know, right after World War one, the government of Germany, the Weimar Republic, went straight to this. They just started printing money. It's called the printing press.

当时德国马克的价值直接归零，恶性通货膨胀冲破天际。历史上这种尝试屡见不鲜，但从未成功过。

And the value of what then was called the Reichsmark went to zero. Hyperinflation went through the roof. This has been tried throughout history. It doesn't work. This has been tried.

长期来看同样行不通。1920年前后的魏玛共和国时期，当德国尝试这套政策时，有个叫阿道夫·希特勒的人在1933年上台了。而美国同期掌权的是富兰克林·德拉诺·罗斯福，我们也在这时进入了大萧条时期。

It doesn't work either in the long run. So this is the Weimar Republic back around 1920. The interesting thing that happened when Germany tried this, a man came to power, his name was Adolf Hitler in 1933. In America, the man who came to power was Franklin Delano Roosevelt 1933. And we entered a great depression at this time also.

所以我担心历史不会重演，但会押韵，因为现行体制就是今天的体制。问题是你打算怎么办？我选择不参与这个体制。历史确实会重演。1933年就是阿道夫·希特勒。

So I'm afraid history is not gonna repeat, but it will rhyme because the system is the system that's in place today. The question is what are you gonna do about it? I choose not to participate in the system. History does repeat. Again, 1933 was Adolf Hitler.

1933年还有富兰克林·德拉诺·罗斯福，他给我们带来了社会保障。这两者都不是好的解决方案。

1933 was Franklin Delano Roosevelt who brought us Social Security. Neither one was a good answer to

运营公司所需的程序。每一个都价格昂贵、过于复杂，最糟糕的是它们互不关联。现在想象一个平台能一站式解决你所有的企业管理需求。你想象中的那个平台？就是Odoo。

programs to run your company. Each one is expensive, overly complicated, and worst of all, none of them are connected. Now imagine a platform that can tackle all of your business management needs in one place. That platform you're imagining? It's Odoo.

Odoo拥有你所需的所有程序，它们都集成在一个简单易用的软件中，让你安心知道企业各方面都得到妥善管理。通过其用户友好界面和开源应用，Odoo协助处理会计、营销、库存、人力资源、客户关系管理、生产制造等所有环节。基本上，只要你的企业有需求，Odoo就能满足。听起来很棒对吧？

Odoo has all the programs you'll ever need, and they're all connected on a single, simple, easy to use software, giving you peace of mind that your business is always being taken care of from every angle. Odoo assist in accounting, marketing, inventory, HR, CRM, manufacturing, and everything in between through its user friendly interface and open source applications. Basically, if your business needs it, Odoo has got it. Odoo sounds pretty amazing. Right?

所以别再浪费时间和金钱在那些昂贵且割裂的平台上，让Odoo用简单高效的软件协调你的业务，以极低成本处理一切事务。没有比这更好的选择了。还在等什么？访问odoo.com，了解Odoo如何助力企业腾飞。网址是0d00.com。

So stop wasting your time and money on those expensive disconnected platforms and let Odoo harmonize your business with simple, efficient software that can handle everything for a fraction of the price. It doesn't get much better than that. So what are you waiting for? Discover how Odoo can take your business to the next level by visiting odoo.com. That's 0d00.com.

Odoo，让现代管理化繁为简。

Odoo, modern management made simple.

既然各位这么捧场，我再给大家上一课罗伯特·清崎的'富爸爸泡沫经济学'。因为当我跟人们谈财商教育时，他们总说'我不需要担心，我学过平衡支票簿，了解信用评分，在学校还修过经济学'——全是胡扯。

So since you've been such a great audience, I'll give you another lesson in the Robert Kiyosaki rich dad bubble, knock up bubble economics here. You know, because when I talk to people about financial education, go, oh, I don't have to worry. You know, I learned to balance my checkbook, and I learned about FICO scores. And, you know, I'm I have economics in school. It's a load of crap.

要知道，那不是金融教育，而是金融误导。那是虚假信息，因为它不真实。是假的。他们在对你撒谎。

You know, that's not financial education. That's financial misinformation. It's fake information because it's not real. It's fake. They're lying to you.

所以我要再给你们上一堂泡沫经济学的小课。但更重要的是，它如何影响像我这样的老家伙——婴儿潮一代，以及你们这些正在上大学、指望通过学经济学、平衡支票簿、提高FICO信用分和投资股市来拯救自己的年轻人。这完全是操控，百分之百的谎言。让我给你们举几个泡沫经济学的真实例子。

So I'm gonna give you another little lesson in Bubblenomics or bubble economics. But more importantly, how it affects the old guys like me, the baby boomers, and your young guys here who are in college hoping that college education is gonna save you by taking economics and balancing a checkbook and FICO scores and investing in the stock market. That's a 100% manipulation. It's a 100% lie. So let me give you some real examples of bubble economics here.

这里再重复一遍货币创造的过程。这是财政部。财政部向美联储出售债券。全球都是如此，日本银行、欧洲央行也一样，全世界的流程都相同。

So this is repeating the way money is created one more time. This is the treasury here. The treasury sells a bond to the Fed. Now this is all over the world, Bank of Japan, European Central Bank. It's the same process throughout the world.

钱流向大银行。这才是真实的经济学。他们直接印钞，钱就在这里印刷出来，流向银行，再流向像我这样的富人。我说过，2008年金融危机后我借了3亿美元，因为我懂得如何利用债务。

And the money goes to the banks, the big banks. This is real economics. They just print money and the money is printed here. It goes to the banks and the money goes to the rich like me. Like I said, I borrowed $300,000,000 after the crash of two thousand eight because I know how to use debt.

而学校教你们的是摆脱债务。要我说这简直蠢透了，因为1971年后货币本身就变成了债务。这才是真实的经济学。明白吗？这就是世界的运行方式，而这些人收回资金的方式就是征税。

And what you're taught in school is get out of debt. I mean, that's really stupid because money became debt in 1971. That's real economics. K? So that's what's going on in the world and the way these guys get their money back is via taxes.

那么谁在纳税？当然是贫穷的中产阶级。众所周知，富人从不纳税。你们听那些哭喊声：'对富人征税！对富人征税！'

So who pays the taxes? Well, the poor middle class of course. As you know, the rich don't pay taxes. You know, all this crying and screaming, oh, well, tax the rich. Tax the rich.

各位观众，富人不纳税。虽然我很不愿意现在告诉你们这个事实，但如果你们真想知道原因，我可以解释。富人不纳税的原因——我在《富爸爸》系列书里多次提到——当今世界有三种收入类型：第一是劳动收入，即你为钱工作。

Sports fans, the rich don't pay taxes. I just I just hate to tell you that right now, and I'll I'll give you the reason why if you really want to know. The reason the rich don't pay taxes, and I cover this in most of my rich dad books, there's three types of income in the in the world today. Number one is earned income. Earned income is you working for money.

所以当你找到工作，你赚钱存钱时，这部分收入会被征收劳动所得税。这就是为什么储蓄很荒谬——因为你得支付最高可能的税率。太荒谬了。第二种收入类型是投资组合收入。

So you get a job, you earn earn money. When you save money, you're taxed at earned income rates. That's why to save money is ridiculous because you pay the highest possible tax possible. It's ridiculous. The second type of income is portfolio income.

这也被称为资本利得。比如你房子升值了，这算是劳动收入...我是说投资组合收入。股票涨了也一样，你10美元买苹果股票，15美元卖出，这5美元利润就是投资组合收入。明白吗？

It's also called capital gains. So when your house price goes up, that's kind of earned income. I mean, portfolio income. Your stock price goes up, you buy a stock apple for $10, you sell out for 15, you made $5 in portfolio income. K?

这类收入的税率次低。第三种是被动收入，也叫现金流——所以我开发了《现金流》棋盘游戏。因为我追求的是现金流，既不想要劳动收入也不想要投资组合收入。

This is taxed at the next lowest rate. And then the third type of income is passive income. Also called cash flow which is why I created the board game cash flow. Because what I want is cash flow. I don't want earned and I don't want portfolio.

这就是为什么我不投资股票也不炒房。如果炒房炒股，我得缴投资利得税。但持有不动产和企业就能获得被动收入，甚至可以完全免税。这才是真正的财商教育，不是学校里教的那种垃圾知识。

That's why I don't I don't invest in stocks and I don't flip houses. Because if I flip houses or I flip stocks, I pay portfolio income. But if I hold on to my real estate and my business, I get passive income and I can pay zero tax on that. So that's real financial education. Not this garbage they're teaching you in school here.

让我再对学生朋友们说几句：如果你看懂货币体系运作方式就会明白，婴儿潮一代正被收割——银行向你们推销股票、债券、共同基金和ETF，说这是养老保障。所以他们劝你为退休储蓄时，钱都流向了这些地方。

But let me talk again to the students out there. If you understand the system of money, the way it works here is this. The baby boomers are being ripped off because these guys here, the banks, sell you stocks, bonds, mutual funds, and ETF. This is your retirement. So when they're telling you to save for retirement, that's where the money goes.

那些人就是在剥削你们。我在《富爸爸》书里写过这个，叫资产管理骗局。这帮人本该剥削你...所以我从不投资这些玩意儿。

Those guys are ripping you off. That's what I wrote about in FIC. It's called assets under management. So this guy should rip you off. I I don't that's why I don't invest in those things.

明白？银行唯一让我欣赏的是提供贷款。完全不同的思维方式——借贷不用缴税。我借了3亿美元，一分税都不用交。

K? What I do like about the banks is they give me the debt. Completely different way of thinking here. So I pay no tax on debt. $300,000,000 I borrowed.

我那时一分钱税都没交。不仅如此，如果我购买房地产获得被动收入，再通过折旧和摊销处理房产，我依然不用缴税。所以当有人说要对富人征税时，简直荒谬至极。富人根本不交税。

I I didn't pay any tax on that. On top of that, if I buy buy real estate and I earned passive income and I depreciate and amortize my property, I pay no tax. So when they say tax the rich, that's insane. That's absolutely insane. They're not gonna the rich don't pay taxes.

如果你真想接受教育并像富人那样行事，就去读读《富爸爸穷爸爸》。或者你可以跟着社会主义者和共产主义者喊口号说要向富人征税。这就是他们坑害我们老一辈的方式——1974年之前根本不需要退休金体系，后来世界变了（具体原因暂且不表），我们就这样被算计了。

So if you really wanna get educated and be like the rich, read fake. Or you can say tax the rich, which the socialists and communists are talking about. So this is how they're screwing the old guys, me. Because there really wasn't a need for a retirement system until 1974. And the world changed I I won't go into it now, but that's how they this is how we screwed it.

他们取消了固定收益养老金计划，推出了401k和IRA账户。但华尔街依然掌控着资金，一旦市场崩盘，这些钱就会血本无归。这就是老一辈的困境——他们可能永远无法退休了。

Was called took away what's called the defined benefit pension plan, and they created the four zero one k or IRA. But Wall Street still got the money. And if there's a crash, they're gonna lose all of it. But let me so that's the old guys. The old guys are in trouble of not being able to retire.

所以穷人会更穷，富人会更富。但年轻人是怎么被坑的？通过学生贷款这个工具。要知道，政府需要债务来维持运转。

So the poor and poor class will get poor. Rich will get richer. But how how does this screw younger guys? And they get them through a thing called student loans. You see, the government needs debt.

既然没法再从老一辈身上榨取更多，他们就转向年轻人。具体操作就是继续吹大债务泡沫——既然已经榨干了老一辈，那怎么坑害年轻人呢？

So they couldn't screw these guys more, so they have to screw these guys. And the way they do it is they blow it up again. So how can we get more debt into the system? Because they've already they're already ripping off the old guys. Well, how can we screw the young guys?

2009年2月是个转折点。此前学生贷款由银行发放，审核非常严格。但奥巴马总统当月宣布改由财政部直接发放贷款，一切都变了。

The way they screw the young guys happened in 02/2009. Up until 02/2009, it was the banks that issued the student loan debts debt, and they were tougher on them. They made it tougher for students to get loans. But what happened in 02/2009, president Obama said the treasury will issue this. That's what happened.

于是学生贷款债务成了美国政府资产。截至我讲话此刻，这笔资产已达1.6万亿美元，规模几乎超过次贷危机时的房地产坏账。这就是他们在坑害老一辈之后，继续向市场注入债务的手段。

So it became an asset. Student loan debt became an asset of the US government. Today, as I speak, it's $1,600,000,000,000. It's almost bigger than the real estate crash. So the way they kept blowing more debt into the market was then they already screwed the old guys.

现在他们又要坑害年轻人了。这些人背负着最糟糕的贷款类型。这又是奥巴马时期的政策。如今这已成为美国政府最大的资产。那些找不到工作的毕业生，他们负债累累，工作收入甚至无法覆盖学生贷款。

Now they're gonna screw the young guys. So these guys here have the worst type of loan. Again, it was Obama. And this now is the biggest asset of the US government. And the student that can't find jobs, they come out so highly in debt, the debt their job will not amortize, will not pay off the student loan debt.

这就是为什么我们的教育体系没有财商教育。如果你知道真相，要么不会送孩子上学，要么会要求教师真正负起责任教授实用的理财知识——而不是现在这些垃圾课程。看看这个演示：这些人无法退休，他们追问养老金去哪了。肯塔基、新泽西、罗德岛、伊利诺伊、加利福尼亚和夏威夷等州正在破产边缘。

And this is why there's no financial education in our school system. Because if you knew what was really going on, you wouldn't send your kids to school or you would demand the the teachers become accountable and teach real financial education. Not that BS they're teaching you right now. Because what all we're doing, and I'll show you this demonstration right now, as these guys cannot retire because or they they're gonna say, where's my money? You know, states like Kentucky, New Jersey, Rhode Island, Illinois, California, Hawaii are going bankrupt.

这意味着美联储将不得不救助州政府。社会保障体系即将崩溃，医疗保险体系即将崩溃。当这些老人破产时，他们只能不断重复这个恶性循环。

That means the Fed will have to bail governments out, state governments. Social Security is going broke. Medicare is going broke. As these guys go broke, old guys. So they're gonna keep just doing this.

因为当泡沫破裂时，他们必须想办法掩盖。这就是所谓的泡沫经济学——建立在虚假货币、伪劣教育、泡沫资产之上，整个腐朽的金融和教育体系都在隐瞒真相。问题是：他们还能用假钱吹多久泡沫？股市虚高，房地产...

Because when this blows, they're gonna have to do something to cover their butt here. So that's why it's called bubble economics. It's based upon fake money, fake teachers, and fake assets, and a bad financial and a bad education system that doesn't keep doesn't tell people the truth. So the question is, how much longer can they keep blowing this up with fake money? Stock market's high, real estate.

房价高得让年轻人根本买不起房。食品在涨价，药品在涨价。所以他们现在想要更多假钱，想要全民基本收入。

Real estate is so high that the young people can't afford houses anymore. You know, food is getting more expensive. Medicine is getting more expensive. So they now want more fake money. They want universal basic income.

给民众发钱，向富人征税——这都是泡沫经济学。你们已经见证过这种把戏。最终，这一切都会迎来终结。

Give people money. Tax the rich. That's all bubble economics. And you've already seen this demonstration before. Eventually, this is gonna bring an end to it all.

但愿我是错的，但末日将近。我担心当那一刻来临，整个体系都会崩塌。我们要么陷入大萧条，要么遭遇恶性通胀——历史上屡见不鲜。这就是泡沫经济学。

I hope I'm wrong, but the end is near. And I'm afraid when that happens, the whole thing comes down. So we either go into a great depression or we go into hyperinflation. It's happened before throughout history. So that's called bubble economics.

这并非新鲜事。区别在于如今它已成为全球现象，因为这是大多数西方国家采用的体系。世界各地的学生最好尽快接受教育，因为这些老一辈人可能会要求搬来与你同住。总之，这才是真正的经济学，即所谓的泡沫经济学。感谢大家的关注。

This is not a new thing. The difference is it's now worldwide because this is the system most western countries are on. And students of the world had better get educated pretty quickly because these guys, the old guys, will demand that they might move in with you. Anyway, that's real economics, what is called bubble economics. Thank you for paying attention.

本播客由富爸爸传媒网络呈现。

This podcast is a presentation of Rich Dad Media Network.