My Reflection About The Book – As A Man Thinketh

The first thing this book reminded me was of “The Law Of Attraction” as they say. Whatever you think over and over again – becomes a reality. Many books have been written on this subject and I had read some parts of them. I agree to an extent that to build a habit, we must think about it over and over again, pen it down somewhere, take small small actions so that it becomes a reality. The book also talked about destiny and circumstances. The author James Allen claims these are because of our own thoughts. Here, I disagree a little but he also talks about patience and being still, that reminded me of The First Habit : Be Proactive – You Are The in-charge of Your Life. As I get more experience of life, I shall continue to keep thinking good,  I shall continue putting efforts to Be Proactive, to have patience and to be still!

As a Man Thinketh

Three things I learnt from the book:

  1.  We can’t choose the circumstances directly but, we can choose our thoughts and indirectly shape our circumstances.
  2.  The analogy is given in the book of our mind like a garden which says, “The right seeds are thoughts that make us vital, energized and strong, while the weeds are disempowering thoughts.”
  3. I was inspired by the line which says, ” Desire leads to attention, attention leads to action, actions lead to our circumstances. “

Two things I will implement in my life:

  1.  I will shape my thoughts rather than cribbing about the situation and circumstances around me.
  2.  Always have a positive attitude and earn things rather than wishing for them.

One question I still have:

  1.  The last line of the book says, “Peace, Be still!!”. Is it really attainable?


We started the first day of the Life Classes 2021, with the short book, ‘As a Man Thinketh’ which was essentially a culmination of our learning at FS in a rather repetitive fashion. The book was based upon the simple philosophy of ‘You are what you think’ as suggested by the title too. The author connects the power of a thought with that of ‘action’ and also how one’s thought creates a rippling effect to the family and friends too. It reiterated the same idea using multiple scenarios. Having done various life classes @FS, it didn’t seem to offer anything new, yet the sharing was good.

As a Man Thinketh — A bit too stretched!

This book does talk about a very important and life-changing lesson for life — Our thoughts define our life! Thoughts impact not only our physical and mental well-being but also how we look at people and the world around us.

The author keeps explaining and re-explaining the same thing several times with different analogies. I found it a bit too repetitive and that makes it boring to read. Also after doing 7 habits, Love and Integrity this book gives no new insights to me.


Chapter 8 – This chapter is all about the 5 obstacles that are generally observed in the people by the author of the book. He has advised to overcome these obstacles to make the process easier and more effective. 1. Fear. 2. Cynicism. 3. Laziness. 4. Bad habits. 5. Arrogance.


Chapter 9 – This chapter is all about the following 10 actions which one should always remember and follow during the process of wealth creation. There was too much to read and understand, but overall I can say that this chapter may help the once who are ready for the implementation of their learning from this book. 1. I NEED A REASON GREATER THAN REALITY 2. I CHOOSE DAILY 3. CHOOSE FRIENDS CAREFULLY 4. MASTER A FORMULA AND THEN LEARN A NEW ONE 5. PAY YOURSELF FIRST 6. PAY YOUR BROKERS WELL 7. BE AN “INDIAN GIVER” 8. ASSETS BUY LUXURIES 9. THE NEED FOR HEROES 10. TEACH AND YOU SHALL RECEIVE


Chapter 10 – This chapter is a kind of conclusion of the book in which author has suggested a list of “To do’s” thing. This chapter was equally helpful as chapter 9 for the people who wants to start with their actions. At the end of the book in epilogue author has given a final idea in which we can see that how one of his friends made $4,00,000 by investing just $7,000. And not only that but how he planed his retirement too.


My overall summary – I really like the book and the big idea of the author. The biggest learning for me is that “Don’t work for money. Make the money work for you” which sounds interesting at the same time challenging in practical way. I understood the importance of financial literacy and the science of making money. Another thing I learned is that never be dependent on single income if you ever want to be rich. And when it mean various incomes it doesn’t mean that you have to various jobs. I learned that it is very hard to get good staff for your business and three key management skills 1. Management of cash flow, 2. Management of people, 3. Management of personal time. This book is probably the best one for those who are courageous enough to be rich.


Thank you.

Rich dad poor dad – Chapter 9 & 10

I understand some key points to develop your financial genius and help us grow rich.:

Paying yourself first – When you develop the habit of paying yourself first, you become motivated by the fear of not being able to pay creditors. In turn, you begin looking for other forms of income like investment real estate, SIP, Mutual funds etc.

Train yourself to listen to what other people have to say, especially when it comes to money and investing. If you discover you’re ignorant about a subject, educate yourself or find an expert in the field.

Realize that if you want something, you need to give something first.

Filter negative people and their fears out of your life

Choose your friends carefully. Be careful not to listen to poor or frightened people.

Key learnings from Chapter 9 and 10

It summarizes the 10 key principles which we have complete control over and which will help us grow rich.
1)I Need a reason greater than reality: It reflects your inner do’s and don’ts . You need to have a reason and a purpose strong enough to chase the path that leads to financial literacy and financial independence.
2)I choose Daily: With each and every dollar you hold , the voice of investing it utterly lies within you . This choice will determine whether you would be rich , average or poor.
Invest first in Education. Before investing your savings first learn Investing by reading books or trending seminars.
3) Choose friends carefully: Choose your acquaintance wisely as may be able tap their wise wisdom upto the best of your advantage. You may also gain an insider information if your close friend is intimately associated with the firm . There are legal and illegal ways of insider trading. Legal ways of insider trading will help you gain quick information before it is made available to the public at large. You earn profit while buying not while selling.Today’s information age demands you to gain information way prior.
4)Master a formula and then learn a new one: Consistent  upgrading oneself is the key to success. Real estate foreclosure was a great deal then but it soon became obsolete . knowledge will become obsolete soon . Learning new skills quickly and applying it immediately is a key to success. Getting into action holds utmost significance.

5)Pay yourself first: No matter how much financial crisis you are going through paying your bills you need to identify alternate sources of income rather than liquidating your savings. Let the pressure built in .It will help you to become more creative in term of identifying ways and means to earn money.
6) Pay Your Brokers well: Seek professional assistance. They are the experts in their field.They will help you sail through smoothly and in return you need to pay them well. This also qualifies under Management of people , one should know this art in order to reap benefits of other’s intelligence.
7)Be an Indian Giver: There is a tale to this phrase what do you exactly mean by an Indian Giver. Simply put you are expecting returns on your investment . Choose high ROI and low risk stocks in order to yield highest ROI.
8)Assets buy luxuries: You need to generate cash flow which allows you to earn income through which you can afford luxuries. Rather than entering into the vicious cycle of earning, spending and getting more into debt .

9)The need for Heroes: Having a role model is crucial in achieving success. When they receive extraordinary success we are also tempted to think and believe we can do it as well

10)Teach and you shall receive: The power of giving shall never be undermined. Whatever you want you need to give that first in return you will receive multiple of what you asked for..God never asked you for anything , however humans should give.
In the concluding part an epilogue contains a story of a father who is in a dilemma and is struggling to work out a way which will help him gather $400,000 for his children’s college education. He resorted to Robert Kiyoski and invested in real estate then when  the real estate market of Phoenix was lame . At the end only and only by taking the risk of investing he was able to save $400,000 not only that he was also able to retire quite early. Robert Kiyoski wants to make a firm point that being unleash the financial genius within you.
Kinjal Morakhia

‘Rich Dad, Poor Dad’ – Reflection

किताब में बहुत कुछ दोहराया गया है या कुछ बातें इतनी तकनिकी हैं कि पढ़कर समझना मुश्किल है। फिर भी अब तक जितनी किताबें पढ़ीं, उनमे से सबसे अधिक सीखने, समझने और अपनाने लायक मिला।
Chapter 9 & 10

लेखक के अनुसार इंसान को सपने देखने जरुरी हैं, उसे अपने लिए अपनी जिंदगी से क्या चाहिए और क्या नहीं ये समझ लेना चाहिए। उसके सपने और इच्छाएँ उसे कुछ करने के लिए प्रेरित करेंगी।

आज के ज़माने में आगे बढ़ने या अमीर बनने के लिए नई कुशलताओं की जरुरत है, हमें हर दिन कुछ न कुछ सीखना होगा। सीखने के लिए अपना समय निवेश करें और उसे अपने जीवन में अपनायें।

लेखक ने अनुशासित होने पर भी जोर दिया है, यहाँ self -management skills पर बात की गयी है। अपना समय और पैसा सही जगह लगाएँ, सोच समझकर फैसला लें।

बाजार को समझें और सही समय देख कर ही निवेश करें। सबसे पहले खुद को भुगतान करें, यानि अपनी कमाई का कुछ हिस्सा अपने लिए सम्पति बनाने में लगाएँ जो आपके निवेश को दिन प्रतिदिन बढ़ाने का काम करेगा। अपने सलाहकारों को भी अच्छा भुगतान करें।

लेखक का यह भी मानना है कि हम जो दूसरों को देते हैं वही घूमकर हमारे पास लौट आता है। तो सीखने का सबसे अच्छा तरीका है कि आप लोगों को सिखाएँ।

ये किताब पढ़ते हुए मैंने महसूस किया कि हमारे समाज में खासकर महिलाएँ न तो निवेश करती हैं और न ही उस पर आपस में चर्चा ही करती हैं , वैसे भी धन संभालने की जिम्मेदारी हमेशा से पुरुष वर्ग की रही है। मैंने समझा कि मैंने अबतक क्या गलतियां की हैं और फैसला लिया है कि अब से मैं अपने धन को संभालने के लिए खुद जिम्मेदार रहूंगी और किसी पर निर्भर नहीं रहूँगी।
मैं इस किताब के साथ ही अपने साथी पाठकों की भी आभारी हूँ कि जीवन की इतनी बड़ी सीख में वो मेरे साथ थे। मैं अपने बच्चों को भी धन निवेश जल्दी और स्वयं करने की शिक्षा दूँगी।

Robert Kiyosaki’s Rich Dad and Poor Dad (Short book club)

रॉबर्ट टी कियोसाकी के दो पिता हैं, जिनमें से एक अमीर है और एक गरीब है। एक उनके जन्मदाता है, जो कि गरीब थे। और दूसरे पिता उनके बेस्ट फ्रेंड के पिता थे। जिन्हें रॉबर्ट अपना पिता मानता था। एक पिता जो गरीब है, बहुत ही ज्यादा पढ़े-लिखे हैं और उनके दूसरे पिता जो अमीर है उन्होंने अपने स्कूल की पढ़ाई भी पूरी नहीं की है।  दोनों ने अपनी जिंदगी में बहुत कड़ी मेहनत की थी और दोनों ही अपने क्षेत्र में सक्सेस भी प्राप्त की थी। पैसों को लेकर उन दोनों की राय भी बिल्कुल अलग थी।

इसे हम कुछ पॉइंट्स के मदद से समझते हैं।

1. सोच-

रॉबर्ट कियोसकी के पहले पिता का मानना था कि वह कोई वस्तु खरीद नहीं सकते जब की दूसरे पिता इस बात से चिढ़ते थे। दूसरे पिता रॉबर्ट को हमेशा समझाते थे कि तुम किसी चीज को कैसे खरीद सकते हो इस बारे में सोचो।

पहले पिता की सोच नकारात्मक है। वहीं पर दूसरे पिता की सोच प्रश्नवाचक है। नकारात्मक सोच बात को वहीं पर खत्म कर देता है। जब की प्रश्नवाचक सोच हमें सोचने पर मजबूर कर देता है कि हम कैसे किसी वस्तु को हासिल कर सकते हैं।

जब कोई व्यक्ति अपने दिमाग में यह सोच लेता है कि वह किसी वस्तु को नहीं खरीद सकता तो उसका दिमाग भी काम करना बंद कर देता है। परंतु जब कोई व्यक्ति अपने दिमाग से प्रश्न करता है तो उसका दिमाग काम करना शुरू करता है। दिमाग प्रश्नों के उत्तर ढूँढ़ने लगता है।

इसका मतलब यह है कि दिमाग को नकारात्मक चीजों से दूर रखो और दिमाग को उसका काम करने दो इससे दिमाग Active रहेगा और धीरे-धीरे strong हो जाएगा।

2. जोखिम-

रॉबर्ट के पहले पिता का मानना था कि आपको जोखिम नहीं उठाना चाहिए। आप अच्छे से पढ़ाई करो अच्छे Marks लेकर आओ तथा safe और सिक्योर job करो। वहीं दूसरी तरफ रॉबर्ट के दूसरे पिता सिखाते थे कि जोखिम को कैसे Manage किया जा सकता। पढ़ाई करो और अपने पैसे को काम पर लगाओ।

3. संपत्ति और दायित्व में अंतर का पता होना-

हमें अपनी संपत्ति और अपने दायित्व का पूरा ज्ञान होना चाहिए। संपत्ति से धन में वृद्धि होती है। दायित्व से धन या पैसों में कमी आती है। यदि आप अमीर बनना चाहते हैं तो आप संपत्ति खरीदें (जमीन,बॉन्ड, शेयर इन्वेस्टमेंट) और यदि आप गरीब ही रहना चाहते हैं तो आप दायित्व (लोन पर लिया गया फर्नीचर,गाड़ी, लग्जरी प्रोडक्ट्स) खरीदें। अब आप दायित्व को देखकर Confuse मत होना आप फर्नीचर या गाड़ी खरीदते हैं तो उससे आपको किसी भी तरह का Income नहीं होगी।

4. सबसे पहले खुद को पेमेंट करना-

रॉबर्ट के दूसरे पिता रोबोट को यह बात समझाई की सबसे पहले आप अपनी कमाई का एक हिस्सा अपने लिए रखें और उन पैसों से अपने लिए ऐसी संपत्ति खरीदें जो आपको आय प्रदान करें।

5. गलतियों से सीख लेना-

रॉबर्ट के दोनों पिताने उन्हें यह बात सिखाई थी कि यदि आप एक बार गलती करते हैं तो उस गलती की पुनरावृति दोबारा नहीं करें बल्कि उससे सीख ले और अपनी life में आगे बढ़े।

6. पैसे के लिए काम –

रॉबर्ट के अमीर पिता का मानना था की हमें पैसों के लिए काम नहीं करना चाहिए। मतलब पैसो के पीछे नहीं भागना चाहिए बल्कि पैसों को हमारे लिए काम करवाना चाहिए। वहीं पर रॉबर्ट की दूसरी पिता रॉबर्ट को पैसे कमाने के लिए दबाव डालते थे।

7. मौके की पहचान करना-

सभी को सही मौके की पहचान करना आना चाहिए यदि आप सही मौके को नहीं पहचान पा रहे हैं तो आप कभी भी अमीर नहीं बन सकते हैं।

उदाहरण: एक आदमी एक सड़क से गुजर रहा था वहाँ पर कुछ घर के सामने बोर्ड लगा हुआ था जिस पर लिखा था “House for sale”. उस समय मंदी का दौर चल रहा था। पर वह आदमी बिना घबराए हुए इस मौके को अपने हाथ से नहीं जाने देता है, और एक अच्छा खासा घर बहुत ही कम कीमत में खरीद लेता है। कुछ दिनों के बाद मंदी का दौर खत्म हुआ अब उस घर को दुगनी कीमत पर बेचता है।

8. पैसे को सहेजने की समझ का होना –

वैसे तो सभी लोग पैसे को सहेज कर रखते हैं पर यहाँ पर सहेजने का अर्थ अपने अलमारी या गुल्लक में अपने पैसों को रखने से नहीं है। यहाँ पर सहेजने का अर्थ है अपने पैसे को ऐसी जगह invest करना जिससे कि आय होती रहे, साथ ही साथ यह भी ध्यान रखना कि पैसे को ऐसी जगह खर्च ना किया जाए जिससे किसी भी तरह का income ना हो।

इस बात से फर्क नहीं पड़ता है कि आप कितना पैसा कमा रहे हैं बल्कि इस बात से फर्क पड़ता है कि आप उन पैसों को कहा और कैसे खर्च करते हैं।


Rich Dad – Poor Dad (Chapter 3&7)

Insights from Chapter 3

  • Mind your own business. Pay attention to your assets and nurture them and make them grow
  • Work for your own self and not for Employers, banks, or government because if we are working for them then making them rich not ourselves. Get out of the rat race.
  • The focus should be on assets and not on income statements
  • When you invest in assets, don’t let them come out. Every single penny becomes your employee and works for you to generate more money 24×7. You should not get rid of them.
  • Buy assets first and luxuries last. By doing this, your assets are creating money to buy luxuries for you.
  • The poor and middle class buy luxuries with their own sweat, blood, and their children’s inheritance.

Insights from Chapter 4

  • Taxes started with taking money from the rich and giving to the poor but it soon turned out to be the increased appetite of the government for money was so great that taxes soon needed to be levied on the middle class, and from there it kept trickling down.
  • Rich used Corporation (a legal structure) as a vehicle to invade taxes. It helped them protect their wealth.
  • Rich searched for ways and used them to minimize their tax burden. Poor did not have resources so they just sit there to let the government do what they wanted to do.
  • Bullies are not supervisor or boss, bullies are tax man
  • Having a corporation best part as it helps your earn, spend,s and then pay taxes on what is left.

Insights from Chapter 5

  • Having financial intelligence is very important. It helps you understand that if you are not lucky enough to have opportunities coming your way then what can you do to improve your financial position.
  • Financially educated people invest in real estate, bonds, dividends, real estate, stocks, etc.
  • Financial intelligence is important to understand your greatest wealth and greatest risks.

Insights from  Chapter 7

  • Recommendation to young people to seek work for what they will learn, more than what they will earn. Look down the road at what; skills they want to acquire before choosing a specific profession and before getting trapped in the “Rat Race.”
  • Don’t dedicate your life to learn only one skill, don’t specialize. Learning a skill that was valuable in only one industry is not a good idea. If I were pushed out of that industry, my life skills would not be as valuable to another industry.
  • To be truly rich, we need to be able to give as well as to receive.
  • “Winning means being unafraid to lose.” Failure inspires winners. And failure defeats losers. It is the biggest secret of winners. It’s the secret that losers do not know.
  • Avoid these 5 obstacles: 1) fear, 2) cynicism, 3) laziness, 4) bad habits, and 5) arrogance.
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