بابای دارا، بابای ندار

‫ﺧﻼﺻﻪ ﻛﺘﺎﺏ‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺪﺍﺭ‬ ‫ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺑﻪ ﻓﺮﺯﻧﺪﺍﻥ ﺧﻮﺩ ﺩﺭ ﺯﻣﻴﻨﻪ ﻛﺎﺭﻛﺮﺩ ﭘﻮﻝ ﭼﻪ ﭼﻴﺰﻱ ﻣﻲﺁﻣﻮﺯﻧﺪ‪ ،‬ﻛﻪ‬ ‫ﻧﺎﺩﺍﺭﻫﺎ ﻭ ﺍﻋﻀﺎﻱ ﻃﺒﻘﻪ ﻣﻴﺎﻧﻲ ﺟﺎﻣﻌﻪ ﺍﺯ ﺁﻥ ﻏﺎﻓﻠﻨﺪ!‬

‫ﺭﺍﺑﺮﺕ ﻛﻴﻮﺳﺎﻛﻲ‪ ،‬ﺷﺎﺭﻭﻥ ﻟﭽﻨﺮ‬

‫ﻣﺘﺮﺟﻢ‪ :‬ﺩﻛﺘﺮ ﻋﺒﺪﺍﻟﺮﺿﺎ ﺭﺿﺎﻳﻲﻧﮋﺍﺩ‬

‫ﻧﺸﺮ ﻓﺮﺍ‬ ‫ﺑﻬﺎﺭ ‪٨٢‬‬

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‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ‬ ‫ﻣﻘﺪﻣﻪ‬ ‫ﻣﺎ ﺩﻭﺭﺍﻥ ﮔﺬﺷﺘﻪ ﺭﺍ ﭘﺸﺖ ﺳﺮ ﮔﺬﺍﺷﺘﻪﺍﻳﻢ ﻭ ﺑﻪ ﺯﻣﺎﻧﻪﺍﻱ ﺭﺳﻴﺪﻩﺍﻳﻢ ﻛـﻪ ﻋﻠـﻢ ﻭ ﺛـﺮﻭﺕ ﺩﺭ ﻳـﻚ ﺭﺍﺳـﺘﺎ ﻗـﺮﺍﺭ‬ ‫ﮔﺮﻓﺘﻪﺍﻧﺪ‪ .‬ﻋﻠﻢ ﻭ ﺛﺮﻭﺕ ﺑﺤﺚ ﺍﻣﺮﻭﺯ ﺍﺳﺖ‬ ‫ﻧﻮﻳﺴﻨﺪﮔﺎﻥ ﻛﺘﺎﺏ ﺑﻪ ﺍﻳﻦ ﻧﻜﺘﻪ ﺍﺷﺎﺭﻩ ﺩﺍﺭﻧﺪ ﻛﻪ “ ﺗﺎ ‪ ٣٠٠‬ﭘﻴﺶ‪ ،‬ﺯﻣﻴﻦ ﻣﻨﺒﻊ ﺛﺮﻭﺕ ﺑﻮﺩ‪ .‬ﺯﻣـﻴﻦﺩﺍﺭﺍﻥ ﺛﺮﻭﺗﻤﻨـﺪ‬ ‫ﺑﻪ ﺣﺴﺎﺏ ﻣﻲﺁﻣﺪﻧﺪ‪ ،‬ﭘﺲ ﺍﺯ ﺁﻥ ﺩﻭﺭﺍﻥ ﺻﻨﻌﺘﻲ ﻓﺮﺍﺭﺳﻴﺪ ﻭ ﺻﺎﺣﺒﺎﻥ ﺻﻨﺎﻳﻊ ﺑﻪ ﺛـﺮﻭﺕ ﺭﺳـﻴﺪﻧﺪ‪ .‬ﺍﻣـﺮﻭﺯ ﺩﻭﺭﺍﻥ‬ ‫ﺩﺍﻧﺶ ﻭ ﺍﻃﻼﻋﺎﺕ ﺍﺳﺖ‪ .‬ﻛﺴﺎﻧﻲ ﻛﻪ ﺑﻪ ﺍﻃﻼﻋﺎﺕ ﺗﺎﺯﻩ ﻭ ﺭﻭﺯ ﺩﺳﺘﺮﺳﻲ ﺩﺍﺷﺘﻪ ﺑﺎﺷﻨﺪ ﺛﺮﻭﺗﻤﻨﺪﻧﺪ‪ ”.‬ﻧﻮﻳﺴـﻨﺪﮔﺎﻥ‬ ‫ﻛﺘﺎﺏ‪ ،‬ﺭﻭﺵﻫﺎﻱ ﺁﻣﻮﺯﺷﻲ ﻣﺪﺍﺭﺱ ﺭﺍ ﺑﺮﺍﻱ ﻋﺼﺮ ﺣﺎﺿﺮ ﻣﻨﺎﺳﺐ ﻭ ﻛﺎﻓﻲ ﻧﻤﻲﺩﺍﻧﻨﺪ ﻭ ﻣﻌﺘﻘﺪﻧﺪ ﻛﻪ “ﻣﺪﺭﺳﻪﻫـﺎ‬ ‫ﻛﺎﺭﻣﻨﺪﭘﺮﻭﺭﻧﺪ ﻭ ﻧﻪ ﻛﺎﺭﺁﻓﺮﻳﻦﭘﺮﻭﺭ‪”.‬‬ ‫ﺁﻣﻮﺯﺵ ﻫﺎﻳﻲ ﻛﻪ ﺑﺮﺍﻱ ﻋﺼﺮ ﺳﺎﺯﻣﺎﻥﻫﺎﻱ ﺑﺰﺭﮒ ﻭ ﺑﻮﺭﻭﻛﺮﺍﺗﻴﻚ ﻣﻨﺎﺳـﺐ ﺑـﻮﺩ‪ ،‬ﺩﻳﮕـﺮ ﺟﻮﺍﺑﮕـﻮﻱ ﻧﻴﺎﺯﻫـﺎﻱ‬ ‫ﺳﺎﺯﻣﺎﻥﻫﺎﻱ ﭘﻴﭽﻴﺪﻩ‪ ،‬ﺷﺒﻜﻪﺍﻱ ﻭ ﻣﺒﺘﻨﻲ ﺑﺮ ﺩﺍﻧﺶ ﺍﻣﺮﻭﺯ ﻧﻴﺴﺖ‪ .‬ﺩﺭﻭﺍﻗﻊ ﻓﺮﺯﻧﺪﺍﻥ ﻣـﺎ ﺭﺍ ﺑـﺮﺍﻱ ﺩﻧﻴـﺎﻳﻲ ﺗﺮﺑﻴـﺖ‬ ‫ﻣﻲﻛﻨﻨﺪ ﻛﻪ ﺩﻳﮕﺮ ﻭﺟﻮﺩ ﻧﺪﺍﺭﺩ‪ .‬ﻧﻮﻳﺴﻨﺪﮔﺎﻥ ﺑﻪ ﺟﻮﺍﻧﺎﻥ ﺍﻣﺮﻭﺯ ﺗﻮﺻﻴﻪ ﻣـﻲﻛﻨﻨـﺪ ﻛـﻪ ﻛـﺎﺭﺁﻓﺮﻳﻦ ﺑﺎﺷـﻨﺪ‪ .‬ﺑـﺮﺍﻱ‬ ‫ﻛﺎﺭﺁﻓﺮﻳﻨﻲ ﺑﺎﻳﺪ ﺳﺨﺖﻛﻮﺵ‪ ،‬ﺧﻮﺵﺑﻴﻦ ﻭ ﺭﻳﺴﻚﭘﺬﻳﺮ ﺑﻮﺩ ﻭ ﺑﺎﻳﺪ ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﺩﺍﺷﺖ‪.‬‬ ‫ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﻧﻴﺰ ﺍﺯ ﭼﻬﺎﺭ ﻋﺎﻣﻞ‬ ‫•‬

‫ﺁﺷﻨﺎﻳﻲ ﺑﺎ ﺣﺴﺎﺑﺪﺍﺭﻱ‪،‬‬

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‫ﺭﻭﺵﻫﺎﻱ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ‪،‬‬

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‫ﺑﺎﺯﺍﺭﻳﺎﺑﻲ‪،‬‬

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‫ﺁﮔﺎﻫﻲ ﺍﺯ ﻗﻮﺍﻧﻴﻦ‪ ،‬ﺣﺎﺻﻞ ﻣﻲﺷﻮﺩ‪.‬‬

‫ﻭ ﺑﺎﻻﺧﺮﻩ ﭘﻴﺎﻡ ﺍﺻﻠﻲ ﻛﺘﺎﺏ ﺍﻳﻦ ﺍﺳﺖ‪“ :‬ﺑﺮﺍﻱ ﭘﻮﻝ ﻛﺎﺭ ﻧﻜﻨﻴﺪ‪ ،‬ﺑﮕﺬﺍﺭﻳﺪ ﭘﻮﻝ ﺑﺮﺍﻳﺘﺎﻥ ﻛﺎﺭ ﻛﻨﺪ‪”.‬‬

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‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺨﺶ ﻧﺨﺴﺖ‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ )ﺑﻪ ﺭﻭﺍﻳﺖ ﺭﺍﺑﺮﺕ ﻛﻴﻮﺳﺎﻛﻲ(‬ ‫ﻣﻦ ﺩﻭ ﺑﺎﺑﺎ ﺩﺍﺷﺘﻢ‪ ،‬ﻳﻜﻲ ﺩﺍﺭﺍ ﻭ ﺩﻳﮕﺮﻱ ﻧﺎﺩﺍﺭ‪.‬‬ ‫ﻳﻜﻲ ﺑﺴﻴﺎﺭ ﺩﺭﺱﺧﻮﺍﻧﺪﻩ ﻭ ﺯﻳﺮﻙ ﺑﻮﺩ‪ ،‬ﻣﺪﺭﻙ ﺩﻛﺘﺮﺍ ﺩﺍﺷﺖ‪ .‬ﺑﺎﺑﺎﻱ ﺩﻳﮕﺮ ﻫﺮﮔﺰ ﻧﺘﻮﺍﻧﺴﺘﻪ ﺑﻮﺩ ﻛﻼﺱ ﻫﺸﺘﻢ‬ ‫ﺭﺍ ﻫﻢ ﺑﻪ ﭘﺎﻳﺎﻥ ﺑﺮﺳﺎﻧﺪ‪.‬‬ ‫ﻫﺮﺩﻭ ﻣﺮﺩ ﺳﺨﺘﻜﻮﺵ ﻭ ﺩﺭ ﻛﺎﺭ ﻭ ﺯﻧﺪﮔﻲ ﺧﻮﺩ ﭘﻴﺮﻭﺯ ﺑﻮﺩﻧﺪ‪.‬‬ ‫ﺩﺭﺁﻣﺪ ﻫﺮ ﺩﻭ ﻧﻔﺮ ﺭﺿﺎﻳﺖﺑﺨﺶ ﺑﻮﺩ‪ ،‬ﻭﻟﻲ ﻳﻜﻲ ﺍﺯ ﺁﻧﺎﻥ ﺩﺭ ﺯﻣﻴﻨﻪﻫﺎﻳﻲ ﭘﻴﻮﺳﺘﻪ ﻣﺸﻜﻞ ﺩﺍﺷﺖ‪ .‬ﺑﺎﺑﺎﻱ ﺩﻳﮕﺮ ﺍﺯ‬ ‫ﺛﺮﻭﺗﻤﻨﺪﺗﺮﻳﻦ ﻣﺮﺩﺍﻥ ﺍﻳﺎﻟﺖ ﻫﺎﻭﺍﻳﻲ ﺷﺪ‪.‬‬ ‫ﻫﺮ ﺩﻭ ﻣﺮﺩ ﺑﺎ ﺍﺭﺍﺩﻩ‪ ،‬ﻓﺮﻩﻣﻨﺪ )‪ (charismatic‬ﻭ ﺗﺄﺛﻴﺮﮔﺬﺍﺭ ﺑﻮﺩﻧﺪ‪ .‬ﻫﺮ ﺩﻭ ﺑﻪ ﻣﻦ ﺍﻧـﺪﺭﺯﻫﺎﻳﻲ ﺩﺍﺩﻧـﺪ‪ ،‬ﻭﻟـﻲ‬ ‫ﺍﻧﺪﺭﺯﻫﺎﻱ ﺁﻧﺎﻥ ﻣﺘﻔﺎﻭﺕ ﺑﻮﺩ‪ .‬ﻫﺮ ﺩﻭ ﻣﺮﺩ ﺑﻪ ﺩﺭﺱ ﺧﻮﺍﻧﺪﻥ ﺳﺨﺖ ﻋﻘﻴﺪﻩ ﺩﺍﺷﺘﻨﺪ ﻭﻟﻲ ﻣﻮﺿﻮﻉﻫﺎﻱ ﻳﻜﺴﺎﻧﻲ ﺭﺍ‬ ‫ﺗﻮﺻﻴﻪ ﻧﻤﻲﻛﺮﺩﻧﺪ‪.‬‬ ‫ﺍﮔﺮ ﻣﻦ ﻳﻚ ﺑﺎﺑﺎ ﺩﺍﺷﺘﻢ ﻧﺎﭼﺎﺭ ﺑﻮﺩﻡ ﺗﺎ ﺍﻧﺪﺭﺯﻫﺎﻱ ﺍﻭ ﺭﺍ ﺑﭙﺬﻳﺮﻡ ﻳﺎ ﺭﺩ ﻛﻨﻢ‪ .‬ﺑﺎ ﺩﺍﺷـﺘﻦ ﺩﻭ ﺑﺎﺑـﺎ ﺍﻳـﻦ ﻓﺮﺻـﺖ ﺭﺍ‬ ‫ﻳﺎﻓﺘﻢ ﺗﺎ ﺩﻳﺪﮔﺎﻩﻫﺎﻱ ﺁﻧﺎﻥ ﺭﺍ ﺑﺎ ﻫﻢ ﺑﺴﻨﺠﻢ‪ ،‬ﺩﻳﺪﮔﺎﻩ ﻳﻚ ﻣﺮﺩ ﺩﺍﺭﺍ ﻭ ﻳﻚ ﻣﺮﺩ ﻧﺎﺩﺍﺭ‪.‬‬ ‫ﻣﺸﻜﻞ ﻣﻦ ﺩﺭ ﻧﻮﺟﻮﺍﻧﻲ ﺍﻳﻦ ﺑﻮﺩ ﻛﻪ ﻣﺮﺩ ﺩﺍﺭﺍ ﻫﻨﻮﺯ ﺑﻪ ﺛﺮﻭﺕ ﻧﺮﺳﻴﺪﻩ ﺑﻮﺩ ﻭ ﻣﺮﺩ ﻧﺎﺩﺍﺭ ﻫﻢ ﺗﻨﮕﺪﺳﺖ ﻧﺸﺪﻩ‬ ‫ﺑﻮﺩ‪ .‬ﻫﺮ ﺩﻭ ﻣﺮﺩ ﺗﺎﺯﻩ ﭘﺎ ﺑﻪ ﺭﺍﻩ ﻧﻬﺎﺩﻩ ﻭ ﺑﺎ ﺩﺭﺁﻣﺪ ﻭ ﺧﺎﻧﻮﺍﺩﻩ ﺧﻮﺩ ﺳﺮﮔﺮﻡ ﺑﻮﺩﻧﺪ‪ .‬ﻭﻟﻲ ﺩﻳﺪﮔﺎﻩ ﺁﻧﺎﻥ ﺩﺭﺑﺎﺭﻩ ﭘـﻮﻝ‬ ‫ﻣﺘﻔﺎﻭﺕ ﺑﻮﺩ‪ .‬ﺑﺮﺍﻱ ﻣﺜﺎﻝ‪ :‬ﺍﺯ ﺩﻳﺪ ﻳﻚ ﺑﺎﺑﺎ “ﻋﺸﻖ ﺑﻪ ﭘﻮﻝ ﺳﺮﭼﺸﻤﻪ ﻫﻤﻪ ﺑﺪﻱ ﻫﺎ” ﻭ ﺍﺯ ﺩﻳـﺪ ﺩﻳﮕـﺮﻱ‪“ :‬ﺑـﻲﭘـﻮﻟﻲ‬ ‫ﺭﻳﺸﻪ ﻫﻤﻪ ﺑﺪﻱﻫﺎ”‬ ‫ﺩﻭﮔﺎﻧﮕﻲ ﺩﺭ ﺩﻳﺪﮔﺎﻩ ﺁﻧﺎﻥ‪ ،‬ﺑﻪ ﻭﻳﮋﻩ ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﭘﺎﻱ ﭘﻮﻝ ﺑﻪ ﻣﻴﺎﻥ ﻣﻲﺁﻣﺪ‪ ،‬ﺁﻥﭼﻨﺎﻥ ﭼﺸـﻤﮕﻴﺮ ﺑـﻮﺩ ﻛـﻪ ﻣـﺮﺍ‬ ‫ﺳﺨﺖ ﻛﻨﺠﻜﺎﻭ ﻭ ﺟﺴﺘﺠﻮﮔﺮ ﺑﺎﺭﺁﻭﺭﺩ‪.‬‬ ‫ﻳﻜﻲ ﺍﺯ ﺩﻻﻳﻠﻲ ﻛﻪ ﺩﺍﺭﺍﻳﺎﻥ ﻫﻤﻮﺍﺭﻩ ﺩﺍﺭﺍﺗﺮ ﻭ ﻧﺎﺩﺍﺭﺍﻥ ﻧﺎﺩﺍﺭﺗﺮ ﻣﻲﺷﻮﻧﺪ‪ ،‬ﺍﻳﻦ ﺍﺳﺖ ﻛﻪ ﻣﻮﺿﻮﻉ ﻛﺎﺭﺑﺮﺩ ﭘـﻮﻝ ﺭﺍ‬ ‫ﺩﺭ ﺧﺎﻧﻪ )ﻧﻪ ﺩﺭ ﻣﺪﺭﺳﻪ( ﻳﺎﺩ ﻣﻲﮔﻴﺮﻧﺪ‪ .‬ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺎ ﺍﺯ ﭘـﺪﺭﺍﻥ ﻭ ﻣـﺎﺩﺭﺍﻥ ﺧـﻮﺩ ﺩﺭﺑـﺎﺭﻩ ﻛـﺎﺭﻛﺮﺩ ﭘـﻮﻝ ﭼﻴـﺰ‬ ‫ﻣﻲﺁﻣﻮﺯﻳﻢ‪ ،‬ﺑﻨﺎﺑﺮﺍﻳﻦ ﻳﻚ ﭘﺪﺭ ﻭ ﻣﺎﺩﺭ ﻧﺎﺩﺍﺭ ﺍﺯ ﭘﻮﻝ ﭼﻪ ﻣﻲﺩﺍﻧﻨﺪ ﻛﻪ ﺑﻪ ﻓﺮﺯﻧﺪ ﺧﻮﺩ ﺑﻴﺎﻣﻮﺯﻧﺪ؟ ﺁﻧﺎﻥ ﺑـﻪﺳـﺎﺩﮔﻲ‬ ‫ﺍﻧﺪﺭﺯ ﻣﻲﺩﻫﻨﺪ ﻛﻪ‪“ :‬ﺧﻮﺏ ﺩﺭﺱ ﺑﺨﻮﺍﻥ ﻭ ﻧﻤﺮﻩﻫﺎﻱ ﺧﻮﺏ ﺑﮕﻴﺮ‪ ”.‬ﺩﺭ ﻣﺪﺭﺳﻪ ﺍﺯ ﭘﻮﻝ ﭼﻴﺰﻱ ﺑﻪ ﻣﺎ ﻧﻤﻲﺁﻣﻮﺯﻧﺪ‪.‬‬ ‫ﺍﺯ ﺁﻧﺠﺎﻳﻲ ﻛﻪ ﻣﻦ ﺩﻭ ﭘﺪﺭ ﺍﺛﺮﮔﺬﺍﺭ ﺩﺍﺷﺘﻪﺍﻡ‪ ،‬ﺍﺯ ﻫﺮ ﺩﻭ ﭼﻴﺰ ﺁﻣﻮﺧﺘﻪﺍﻡ‪ .‬ﺑﺮﺍﻱ ﻣﺜـﺎﻝ ﻳﻜـﻲ ﺍﺯ ﺑﺎﺑﺎﻫـﺎﻳﻢ ﻋـﺎﺩﺕ‬ ‫ﺩﺍﺷﺖ ﺑﮕﻮﻳﺪ‪ “ :‬ﺍﺯ ﻋﻬﺪﻩ ﻣﻦ ﺑﺮﻧﻤﻲﺁﻳﺪ‪ ”.‬ﺩﻳﮕﺮﻱ ﺍﺯ ﺑﻪ ﻛﺎﺭ ﺑـﺮﺩﻥ ﺍﻳـﻦ ﻭﺍﮊﻩ ﭘﺮﻫﻴـﺰ ﻣـﻲﻛـﺮﺩ ﻭ ﺑـﻪ ﺟـﺎﻱ ﺁﻥ‬ ‫ﻣﻲﮔﻔﺖ‪“ :‬ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻧﻢ ﺍﺯ ﻋﻬﺪﻩ ﺍﻳﻦ ﻛﺎﺭ ﺑﺮﺁﻳﻢ؟” ﻋﺒﺎﺭﺕ ﻧﺨﺴﺖ ﺣﺎﻟﺖ ﺧﺒﺮﻱ ﻭ ﻋﺒﺎﺭﺕ ﺩﻭﻡ ﺟﻨﺒﻪ ﭘﺮﺳﺸـﻲ‬ ‫ﺩﺍﺭﺩ‪ “ .‬ﺍﺯ ﻋﻬﺪﻩ ﻣﻦ ﺑﺮﻧﻤﻲﺁﻳﺪ” ﻣﻐﺰ ﺭﺍ ﺍﺯ ﻛﺎﺭ ﻣﻲﺍﻧﺪﺍﺯﺩ ﻭ “ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻧﻢ ﺍﺯ ﻋﻬـﺪﻩ ﺁﻥ ﺑـﺮﺁﻳﻢ؟” ﻣﻐـﺰ ﺭﺍ ﺑـﻪ‬ ‫ﺣﺮﻛﺖ ﻭ ﺟﺴﺘﺠﻮ ﻭﺍﻣﻲﺩﺍﺭﺩ‪.‬‬ ‫ﺍﺯ ﺩﻳﺪ ﺑﺎﺑﺎﻱ ﺩﻭﻡ ﻋﺒﺎﺭﺕ “ ﺍﺯ ﻋﻬﺪﻩ ﻣﻦ ﺑﺮﻧﻤﻲﺁﻳﺪ” ﻧﺸﺎﻧﻪ ﺗﻨﺒﻠﻲ ﻣﻐﺰﻱ ﻭ ﻓﻜﺮﻱ ﺍﺳﺖ‪ .‬ﺍﻭ ﺑﻪ ﻭﺭﺯﻳﺪﻩ ﺳﺎﺧﺘﻦ‬ ‫ﻣﻐﺰ )ﺍﻳﻦ ﻧﻴﺮﻭﻣﻨﺪﺗﺮﻳﻦ ﺭﺍﻳﺎﻧﻪ ﺟﻬﺎﻥ( ﻋﻘﻴﺪﻩ ﺩﺍﺷﺖ‪ .‬ﻫﺮ ﻗﺪﺭ ﻣﻐﺰ ﺷﻤﺎ ﻧﻴﺮﻭﻣﻨﺪﺗﺮ ﺷﻮﺩ‪ ،‬ﺩﺍﺭﺍﺗﺮ ﻣﻲﺷﻮﻳﺪ‪.‬‬ ‫ﻳﻜﻲ ﺍﺯ ﺑﺎﺑﺎﻫﺎ ﺗﻮﺻﻴﻪ ﻣﻲﻛﺮﺩ‪“ :‬ﺧﻮﺏ ﺩﺭﺱ ﺑﺨﻮﺍﻥ ﺗـﺎ ﺩﺭ ﺷـﺮﻛﺖ ﺍﺭﺯﺷـﻤﻨﺪﻱ ﺍﺳـﺘﺨﺪﺍﻡ ﺷـﻮﻱ‪ ”.‬ﺗﻮﺻـﻴﻪ‬ ‫ﺩﻳﮕﺮﻱ ﭼﻨﻴﻦ ﺑﻮﺩ‪“ :‬ﺧﻮﺏ ﺩﺭﺱ ﺑﺨﻮﺍﻥ ﺗﺎ ﺑﺘﻮﺍﻧﻲ ﺷﺮﻛﺖ ﺍﺭﺯﺷﻤﻨﺪﻱ ﺑﺮﺍﻱ ﺧﺮﻳﺪﻥ ﭘﻴﺪﺍ ﻛﻨﻲ‪”.‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﻳﻜﻲ ﺍﺯ ﺑﺎﺑﺎﻫﺎ ﻣﻲ ﮔﻔﺖ‪“ :‬ﺩﻟﻴﻞ ﺍﻳﻨﻜﻪ ﺛﺮﻭﺗﻤﻨﺪ ﻧﺸﺪﻩﺍﻡ ﺷﻤﺎ ﺑﭽﻪ ﻫﺎ ﻫﺴﺘﻴﺪ‪ ”.‬ﺩﻳﮕﺮﻱ ﻣﻲﮔﻔﺖ‪“ :‬ﺩﻟﻴـﻞ ﺍﻳﻨﻜـﻪ‬ ‫ﺑﺎﻳﺪ ﺛﺮﻭﺗﻤﻨﺪ ﺷﻮﻡ ﺷﻤﺎ ﺑﭽﻪﻫﺎ ﻫﺴﺘﻴﺪ‪”.‬‬ ‫ﻳﻜﻲ ﻣﻲﮔﻔﺖ‪“ :‬ﭘﻮﻝ ﺭﺍ ﺑﺎﻳﺪ ﻣﺤﺘﺎﻃﺎﻧﻪ ﻭ ﺑﻲﺧﻄﺮ ﻫﺰﻳﻨﻪ ﻛﺮﺩ‪ ”.‬ﺩﻳﮕﺮﻱ ﻣﻲﮔﻔﺖ‪“ :‬ﻣـﺪﻳﺮﻳﺖٍ ﺧﻄـﺮ ﻛـﺮﺩﻥ ﺭﺍ‬ ‫ﺑﻴﺎﻣﻮﺯﻳﺪ‪”.‬‬ ‫ﻳﻜﻲ ﻋﻘﻴﺪﻩ ﺩﺍﺷﺖ‪“ :‬ﺧﺎﻧﻪ ﻣﺎ ﺑﺰﺭﮒﺗﺮﻳﻦ ﺩﺍﺭﺍﻳﻲ ﺧﺎﻧﻮﺍﺩﻩ ﺍﺳﺖ‪ ”.‬ﺑﻪ ﻋﻘﻴـﺪﻩ ﺩﻳﮕـﺮﻱ‪“ :‬ﺧﺎﻧـﻪ ﺑـﺰﺭﮒﺗـﺮﻳﻦ‬ ‫ﺑﺪﻫﻜﺎﺭﻱ ﺍﺳﺖ ﻭ ﻫﺮ ﻛﺲ ﺑﻴﺸﺘﺮﻳﻦ ﺩﺭﺁﻣﺪﺵ ﺭﺍ ﺩﺭ ﺧﺮﻳﺪ ﺧﺎﻧﻪ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﻛﻨﺪ‪ ،‬ﺩﭼﺎﺭ ﺩﺭﺩﺳﺮ ﻣﻲﺷﻮﺩ‪.‬‬ ‫ﻫﺮ ﺩﻭ ﺑﺎﺑﺎ ﺻﻮﺭﺗﺤﺴﺎﺏ ﻫﺎﻳﺸﺎﻥ ﺭﺍ ﺑﻪ ﻫﻨﮕﺎﻡ ﻣﻲ ﭘﺮﺩﺍﺧﺘﻨﺪ‪ ،‬ﻭﻟـﻲ ﻳﻜـﻲ ﺩﺭ ﻧﺨﺴـﺘﻴﻦ ﻓﺮﺻـﺖ ﻭ ﺩﻳﮕـﺮﻱ ﺩﺭ‬ ‫ﺁﺧﺮﻳﻦ ﻓﺮﺻﺖ‪.‬‬ ‫ﺑﻪ ﻋﻨﻮﺍﻥ ﻳﻚ ﻧﻮﺟﻮﺍﻥ‪ ،‬ﺁﮔﺎﻫﺎﻧﻪ ﺗﺼﻤﻴﻢ ﮔﺮﻓﺘﻢ ﺗﺎ ﭘﻴﻮﺳﺘﻪ ﻣﺘﻮﺟﻪ ﺑﺮﮔﺰﻳﺪﻥ ﺍﻧﺪﻳﺸﻪﻫﺎ ﺑﺎﺷﻢ‪ ،‬ﺍﻧـﺪﺭﺯ ﻛـﺪﺍﻡ ﺭﺍ‬ ‫ﺁﻭﻳﺰﻩ ﮔﻮﺵ ﻛﻨﻢ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻳﺎ ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ؟ ﻫﺮﭼﻨﺪ ﻛﻪ ﺩﻭ ﻣﺮﺩ ﺳﺨﺖ ﺑﺮ ﻟـﺰﻭﻡ ﺁﻣـﻮﺯﺵ ﻭ ﻳـﺎﺩﮔﻴﺮﻱ ﺗﺄﻛﻴـﺪ‬ ‫ﺩﺍﺷﺘﻨﺪ‪ ،‬ﺍﻣﺎ ﺩﻳﺪﮔﺎﻩﺷﺎﻥ ﺩﺭ ﺍﻳﻨﻜﻪ ﭼﻪ ﺑﺎﻳﺪ ﺁﻣﻮﺧﺖ ﻣﺘﻔﺎﻭﺕ ﺑﻮﺩ‪.‬‬ ‫ﻳﻜﻲ ﺍﺯ ﻣﻦ ﻣﻲﺧﻮﺍﺳﺖ ﺗﺎ ﺧﻮﺏ ﺩﺭﺱ ﺑﺨﻮﺍﻧﻢ‪ ،‬ﺑﻪ ﺩﺭﺟﺎﺕ ﺗﺤﺼﻴﻠﻲ ﺑﺎﻻ ﺑﺮﺳﻢ ﻭ ﺑـﺮﺍﻱ ﭘـﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﻛـﺎﺭ‬ ‫ﻛﻨﻢ‪ ،‬ﻭﻛﻴﻞ‪ ،‬ﺣﺴﺎﺑﺪﺍﺭ ﻳﺎ ﻛﺎﺭﺷﻨﺎﺱ ﺍﺭﺷﺪ ﻣﺪﻳﺮﻳﺖ ﺑﺎﺯﺭﮔﺎﻧﻲ ﺷﻮﻡ‪ .‬ﺩﻳﮕﺮﻱ ﻣﺮﺍ ﺗﺸﻮﻳﻖ ﻣﻲﻛﺮﺩ ﺗﺎ ﺑﺮﺍﻱ ﺛﺮﻭﺗﻤﻨﺪ‬ ‫ﺷﺪﻥ ﺩﺭﺱ ﺑﺨﻮﺍﻧﻢ‪ ،‬ﺩﺭﻳﺎﺑﻢ ﻛﻪ ﭘﻮﻝ ﭼﮕﻮﻧﻪ ﻛﺎﺭ ﻣﻲﻛﻨﺪ ﻭ ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻧﻢ ﺁﻥ ﺭﺍ ﺑـﻪ ﺧـﺪﻣﺖ ﺧـﻮﺩ ﺑﮕﻴـﺮﻡ‪ .‬ﻭﻱ‬ ‫ﭘﻴﻮﺳﺘﻪ ﻣﻲﮔﻔﺖ‪“ :‬ﻣﻦ ﺑﺮﺍﻱ ﭘﻮﻝ ﻛﺎﺭ ﻧﻤﻲﻛﻨﻢ‪ ،‬ﭘﻮﻝ ﺑﺮﺍﻱ ﻣﻦ ﻛﺎﺭ ﻣﻲﻛﻨﺪ!”‬ ‫ﺍﺯ ‪ ٩‬ﺳﺎﻟﮕﻲ ﺗﺼﻤﻴﻢ ﮔﺮﻓﺘﻢ ﺗﺎ ﺩﺭ ﺯﻣﻴﻨﻪ ﭘﻮﻝ ﺍﺯ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍﻳﻢ ﭘﻴﺮﻭﻱ ﻛﻨﻢ ﻭ ﭼﻴﺰ ﺑﻴﺎﻣﻮﺯﻡ‪ .‬ﮔﻮﺵ ﺩﺍﺩﻥ ﺑﻪ ﺑﺎﺑـﺎﻱ‬ ‫ﻧﺎﺩﺍﺭﻡ ﺭﺍ ﻛﻨﺎﺭ ﮔﺬﺍﺷﺘﻢ ﻫﺮﭼﻨﺪ ﻛﻪ ﺩﺍﺭﺍﻱ ﻣﺪﺭﻙ ﻋﺎﻟﻲ ﺩﺍﻧﺸﮕﺎﻫﻲ ﺑﻮﺩ‪.‬‬ ‫ﻫﻤﻴﻦﻛﻪ ﺗﺼﻤﻴﻢ ﮔﺮﻓﺘﻢ ﺗﺎ ﮔﻮﺵ ﺟﺎﻥ ﺑﻪ ﻛﻪ ﺑﺴﭙﺎﺭﻡ‪ ،‬ﺁﻣﻮﺯﺷﻢ ﺩﺭ ﺯﻣﻴﻨﻪ ﻛﺎﺭﻛﺮﺩ ﭘﻮﻝ ﺁﻏﺎﺯ ﺷﺪ‪ .‬ﺑﺎﺑـﺎﻱ ﺩﺍﺭﺍ‬ ‫ﺑﻪ ﻣﺪﺕ ‪ ٣٠‬ﺳﺎﻝ ﺑﻪ ﻣﻦ ﺩﺭﺱ ﺩﺍﺩ ﺗﺎ ‪ ٣٩‬ﺳﺎﻟﻪ ﺷﺪﻡ‪ .‬ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﺩﺭﻳﺎﻓﺖ ﺁﻧﭽﻪ ﺭﺍ ﻛﻪ ﺧﻮﺍﺳﺘﻪ ﺑـﻪ ﻛﻠـﻪ ﻏﺎﻟﺒـﺎﹰ‬ ‫ﻣﻘﺎﻭﻡ ﻣﻦ ﻓﺮﻭ ﻛﻨﺪ‪ ،‬ﺑﻪﺧﻮﺑﻲ ﻓﻬﻤﻴﺪﻩ ﻭ ﻳﺎﺩﮔﺮﻓﺘﻪﺍﻡ‪ ،‬ﺍﺯ ﺗﻼﺵ ﺑﺎﺯﺍﻳﺴﺘﺎﺩ‪.‬‬ ‫ﭘﻮﻝ ﮔﻮﺷﻪﺍﻱ ﺍﺯ ﻗﺪﺭﺕ ﺍﺳﺖ‪ ،‬ﺍﺯ ﺁﻥ ﻗﺪﺭﺗﻤﻨﺪﺗﺮ‪ ،‬ﺁﻣﻮﺯﺵ ﻣﺴﺎﺋﻞ ﻣﺎﻟﻲ ﺍﺳﺖ‪ .‬ﭘﻮﻝ ﻣﻲﺁﻳﺪ ﻭ ﻣﻲﺭﻭﺩ‪ ،‬ﻭﻟـﻲ‬ ‫ﺍﮔﺮ ﭼﮕﻮﻧﮕﻲ ﻛﺎﺭﻛﺮﺩ ﭘﻮﻝ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳﺪ‪ ،‬ﺑﺮ ﺁﻥ ﭼﻴﺮﻩ ﻣﻲﺷﻮﻳﺪ ﻭ ﺑﻪ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪﻥ ﻣﻲﭘﺮﺩﺍﺯﻳﺪ‪.‬‬ ‫ﭼﻮﻥ ﻣﻦ ﺍﺯ ‪ ٩‬ﺳﺎﻟﮕﻲ ﺑﻪ ﻳﺎﺩﮔﻴﺮﻱ ﭘﺮﺩﺍﺧﺘﻢ‪ ،‬ﺩﺭﺱﻫﺎﻱ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍﻳﻢ ﺳﺎﺩﻩ ﺑﻮﺩﻧـﺪ‪ .‬ﻣﻬـﻢﺗـﺮﻳﻦ ﺁﻧﻬـﺎ ﺷـﺶ‬ ‫ﺩﺭﺱ ﺑﻮﺩ ﻛﻪ ﺩﺭ ﻃﻮﻝ ‪ ٣٠‬ﺳﺎﻝ ﺗﻜﺮﺍﺭ ﻣﻲﺷﺪﻧﺪ‪ .‬ﺍﻳﻦ ﻛﺘﺎﺏ ﺩﺭﺑﺎﺭﻩ ﺁﻥ ﺷﺶ ﺩﺭﺱ ﺍﺳﺖ‪ ،‬ﺑﺎ ﻫﻤﺎﻥ ﺳﺎﺩﮔﻲ ﻛـﻪ‬ ‫ﺑﺎﺑﺎﻱ ﺛﺮﻭﺗﻤﻨﺪﻡ ﺑﻪ ﻣﻦ ﺁﻣﻮﺧﺖ‪ .‬ﺍﻳﻨﻬﺎ ﻧﺸﺎﻧﻪﻫﺎﻱ ﺭﺍﻫﻨﻤﺎ ﻫﺴﺘﻨﺪ‪ ،‬ﻧﺸﺎﻧﻪﻫﺎﻳﻲ ﻛﻪ ﺑﻪ ﺷﻤﺎ ﻭ ﻓﺮﺯﻧﺪﺍﻥﺗـﺎﻥ ﻛﻤـﻚ‬ ‫ﻣﻲﻛﻨﻨﺪ ﺗﺎ ﺑﺮ ﺛﺮﻭﺕ ﺧﻮﺩ ﺑﻴﻔﺰﺍﻳﻴﺪ‪ ،‬ﻫﺮﭼﻨﺪ ﻛﻪ ﻓﻀﺎﻱ ﺟﻬﺎﻧﻲ ﻧﺎﻣﻄﻤﺌﻦ ﻭ ﻧﺎﭘﺎﻳﺪﺍﺭ ﺑﺎﺷﺪ‪:‬‬ ‫ﺩﺭﺱ ‪ -١‬ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺑﺮﺍﻱ ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﺩﻥ ﭘﻮﻝ ﻛﺎﺭ ﻧﻤﻲﻛﻨﻨﺪ‪.‬‬ ‫ﺩﺭﺱ ‪ -٢‬ﭼﺮﺍ ﺁﻣﻮﺧﺘﻦ ﺩﺍﻧﺶ ﻣﺎﻟﻲ ﺿﺮﻭﺭﻱ ﺍﺳﺖ؟‬ ‫ﺩﺭﺱ ‪ -٣‬ﻣﻮﺍﻇﺐ ﻛﺴﺐﻭﻛﺎﺭ ﺧﻮﺩ ﺑﺎﺷﻴﺪ‪.‬‬ ‫ﺩﺭﺱ‪ -٤‬ﺗﺎﺭﻳﺦ ﻣﺎﻟﻴﺎﺕﻫﺎ ﻭ ﻗﺪﺭﺕ ﺷﺮﻛﺖﻫﺎﻱ ﺑﺰﺭﮒ‬ ‫ﺩﺭﺱ ‪ -٥‬ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﭘﻮﻝﺷﺎﻥ ﺭﺍ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﻣﻲﻛﻨﻨﺪ‪.‬‬ ‫ﺩﺭﺱ ‪ -٦‬ﺑﺮﺍﻱ ﻳﺎﺩﮔﻴﺮﻱ ﻛﺎﺭ ﻛﻨﻴﺪ ﻧﻪ ﭘﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ‪.‬‬

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‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺨﺶ ﺩﻭﻡ‬

‫ﺩﺭﺱ ‪ -١‬ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺑﺮﺍﻱ ﭘﻮﻝ ﻛﺎﺭ ﻧﻤﻲﻛﻨﻨﺪ‬ ‫ـ ﺑﺎﺑﺎ ﻣﻲﺗﻮﺍﻧﻲ ﺑﻪ ﻣﻦ ﺑﮕﻮﻳﻲ ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻥ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪ؟‬ ‫ﺑﺎﺑﺎﻡ ﺭﻭﺯﻧﺎﻣﻪ ﻋﺼﺮ ﺭﺍ ﻛﻨﺎﺭ ﮔﺬﺍﺷﺖ ﻭ ﭘﺮﺳﻴﺪ‪ :‬ﭘﺴﺮﻡ ﭼﺮﺍ ﻣﻲﺧﻮﺍﻫﻲ ﺛﺮﻭﺗﻤﻨﺪ ﺷﻮﻱ؟‬ ‫ـ ﺍﻣﺮﻭﺯ ﻣﺎﻣﺎﻥ ﺟﻴﻤﻲ ﺭﺍ ﺩﺭ ﺣﺎﻝ ﺭﺍﻧﻨﺪﮔﻲ ﺑﺎ ﻛﺎﺩﻳﻼﻙ ﺗﺎﺯﻩﺷﺎﻥ ﺩﻳﺪﻡ‪ .‬ﺁﺧﺮ ﻫﻔﺘﻪ ﻫﻢ ﺑﻪ ﻭﻳﻼﻱ ﻛﻨـﺎﺭ ﺩﺭﻳـﺎﻱ‬ ‫ﺧﻮﺩ ﻣﻲﺭﻭﻧﺪ‪ ،‬ﺳﻪ ﺗﺎ ﺍﺯ ﺩﻭﺳﺖﻫﺎ ﺭﺍ ﺑﺎ ﺧﻮﺩ ﻣﻲﺑﺮﻧﺪ ﻭﻟﻲ ﻣﻦ ﻭ ﻣﺎﻳﻚ ﺩﻋﻮﺕ ﻧﺸﺪﻩﺍﻳﻢ‪ .‬ﮔﻔﺘﻨﺪ ﺷﻤﺎ ﺑﭽـﻪﻫـﺎﻱ‬ ‫ﻧﺎﺩﺍﺭ ﻫﺴﺘﻴﺪ ﻭ ﺑﺎ ﻣﺎ ﺟﻮﺭ ﺩﺭﻧﻤﻲﺁﻳﻴﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻡ ﺑﺎ ﻧﺎﺑﺎﻭﺭﻱ ﭘﺮﺳﻴﺪ‪ :‬ﺭﺍﺳﺘﻲ ﭼﻨﻴﻦ ﮔﻔﺘﻨﺪ؟‬ ‫ﺑﺎ ﺁﻫﻲ ﻏﻤﮕﻴﻦ ﮔﻔﺘﻢ‪ :‬ﺑﻠﻪ ﻫﻤﻴﻦﻃﻮﺭ ﺍﺳﺖ‪.‬‬ ‫ﺑﺎﺑﺎﻡ ﺩﺭ ﺳﻜﻮﺕ ﺳﺮﻱ ﺗﻜﺎﻥ ﺩﺍﺩ‪ ،‬ﻋﻴﻨﻚﺍﺵ ﺭﺍ ﺍﺯ ﺭﻭﻱ ﺑﻴﻨﻲ ﺑﺎﻻ ﺯﺩ ﻭ ﺑﻪ ﺧﻮﺍﻧـﺪﻥ ﺭﻭﺯﻧﺎﻣـﻪ ﺍﺩﺍﻣـﻪ ﺩﺍﺩ‪ .‬ﻣـﻦ‬ ‫ﻫﻢﭼﻨﺎﻥ ﻣﻨﺘﻈﺮ ﭘﺎﺳﺦ ﻣﺎﻧﺪﻡ‪.‬‬ ‫ﺑﺎﺑﺎﻡ ﻋﺎﻗﺒﺖ ﺭﻭﺯﻧﺎﻣﻪ ﺭﺍ ﺯﻣﻴﻦ ﮔﺬﺍﺷﺖ‪ .‬ﺑﻪﺁﺭﺍﻣﻲ ﺁﻏﺎﺯ ﺳﺨﻦ ﻛﺮﺩ‪ :‬ﺧﻮﺏ ﭘﺴﺮﻡ‪ ،‬ﺍﮔﺮ ﻣـﻲﺧـﻮﺍﻫﻲ ﺛﺮﻭﺗﻤﻨـﺪ‬ ‫ﺷﻮﻱ‪ ،‬ﺑﺎﻳﺪ ﭘﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻱ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ‪ :‬ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻧﻢ ﭘﻮﻝ ﺩﺭﺑﻴﺎﻭﺭﻡ؟‬ ‫ﺑﺎ ﻟﺒﺨﻨﺪ ﭘﺎﺳﺦ ﺩﺍﺩ‪ :‬ﻛﻠﻪﺍﺕ ﺭﺍ ﺑﻪ ﻛﺎﺭ ﺑﻴﻨﺪﺍﺯ! ﻣﻌﻨﺎﻱ ﺳﺨﻦﺍﺵ ﺑﻪﺳﺎﺩﮔﻲ ﺍﻳﻦ ﺑﻮﺩ ﻛﻪ‪ ،‬ﭘﺎﺳﺦ ﺩﺭﺳـﺘﻲ ﺑﺮﺍﻳـﺖ‬ ‫ﻧﺪﺍﺭﻡ‪ ،‬ﺑﻴﺸﺘﺮ ﻣﺰﺍﺣﻢ ﻣﻦ ﻣﺸﻮ‪.‬‬ ‫ﺻﺒﺢ ﺭﻭﺯ ﺑﻌﺪ ﺁﻧﭽﻪ ﺭﺍ ﺑﺎﺑﺎﻳﻢ ﮔﻔﺘﻪ ﺑﻮﺩ ﺑﺎ ﺑﻬﺘﺮﻳﻦ ﺩﻭﺳﺘﻢ‪ ،‬ﻣﺎﻳﻚ ﺩﺭ ﻣﻴﺎﻥ ﻧﻬﺎﺩﻡ‪ .‬ﻣﺎﺩﺭ ﻭ ﭘـﺪﺭ ﻣـﻦ ﻧﻴﺎﺯﻫـﺎﻱ‬ ‫ﺍﺑﺘﺪﺍﻳﻲ ﻫﻤﭽﻮﻥ ﺧﻮﺭﺍﻙ‪ ،‬ﭘﻮﺷﺎﻙ ﻭ ﺳﺮﭘﻨﺎﻩ ﺭﺍ ﻓﺮﺍﻫﻢ ﺁﻭﺭﺩﻩ ﺑﻮﺩﻧﺪ‪ .‬ﺁﻧﻬﺎ ﻋﺎﺩﺕ ﺩﺍﺷﺘﻨﺪ ﻛﻪ ﺑﮕﻮﻳﻨـﺪ‪ :‬ﺍﮔـﺮ ﭼﻴـﺰ‬ ‫ﺩﻳﮕﺮﻱ ﻣﻲ ﺧﻮﺍﻫﻴﺪ‪ ،‬ﺑﺮﺍﻱ ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﺩﻧﺶ ﻛﺎﺭ ﻛﻨﻴﺪ‪.‬‬ ‫ﻣﺎﻳﻚ ﭘﺮﺳﻴﺪ‪ :‬ﺧﻮﺏ ﺑﺮﺍﻱ ﭘﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﭼﻜﺎﺭ ﻛﻨﻴﻢ؟‬ ‫ﮔﻔﺘﻢ ﻧﻤﻲﺩﺍﻧﻢ‪ ،‬ﻭﻟﻲ ﺍﺯ ﺗﻮ ﻣﻲﺧﻮﺍﻫﻢ ﺑﺎ ﻣﻦ ﺷﺮﻳﻚ ﺷﻮﻱ‪.‬‬ ‫ﻣﺎﻳﻚ ﭘﺬﻳﺮﻓﺖ ﻭ ﺩﺭ ﻳﻜﻲ ﺍﺯ ﺑﻌﺪﺍﺯﻇﻬﺮﻫﺎ ﺁﻥ ﭘﺮﺗﻮ ﻧﻮﺭﻱ ﻛﻪ ﺩﺭ ﺍﻧﺘﻈﺎﺭﺵ ﺑﻮﺩﻳﻢ ﺗﺎﺑﻴﺪﻥ ﮔﺮﻓﺖ‪ .‬ﻣﻄﻠـﺐ ﺭﺍ‬ ‫ﻣﺎﻳﻚ ﺩﺭ ﻳﻜﻲ ﺍﺯ ﻛﺘﺎﺏﻫﺎﻱ ﻋﻠﻤﻲ ﺧﻮﺍﻧﺪﻩ ﺑﻮﺩ‪ .‬ﻣﻦ ﻭ ﻣﺎﻳﻚ ﺑﻪ ﺧﺎﻧﻪ ﺗﻚ ﺗﻚ ﻫﻤﺴﺎﻳﻪﻫﺎﻱ ﻣﻨﻄﻘﻪ ﻣﺮﺍﺟﻌﻪ ﻛﺮﺩﻩ‬ ‫ﻭ ﺧﻮﺍﻫﺶ ﻣﻲﻛﺮﺩﻳﻢ ﺗﺎ ﻟﻮﻟﻪﻫﺎﻱ ﺧﻤﻴﺮﺩﻧﺪﺍﻥ ﺧﻮﺩ ﺭﺍ ﺑﺮﺍﻱ ﻣﺎ ﻧﮕﻬﺪﺍﺭﻧﺪ‪.‬‬ ‫ﻧﮕﺮﺍﻧﻲ ﻣﺎﺩﺭﻡ ﺭﻭ ﺑﻪ ﻓﺰﻭﻧﻲ ﻧﻬﺎﺩ‪ .‬ﺩﺭ ﻛﻨﺎﺭ ﻣﺎﺷﻴﻦ ﻟﺒﺎﺳﺸﻮﻳﻲِ ﺍﻭ ﮔﻮﺷﻪﺍﻱ ﺭﺍ ﺑﻪ ﻋﻨﻮﺍﻥ ﺍﻧﺒﺎﺭ ﻣـﻮﺍﺩ ﺧـﺎﻡ ﺧـﻮﺩ‬ ‫ﺑﺮﮔﺰﻳﺪﻩ ﺑﻮﺩﻳﻢ‪ .‬ﻳﻚ ﺭﻭﺯ ﻣﺎﺩﺭﻡ ﺑﺎ ﻟﺤﻨﻲ ﺟﺪﻱ ﭘﺮﺳﻴﺪ‪ :‬ﭘﺴﺮﻫﺎ ﭼﻪ ﻛﺎﺭ ﻣﻲﻛﻨﻴﺪ؟ ﺑﺎ ﺍﻳﻦ ﺁﺷﻐﺎﻝﻫﺎ ﻛﺎﺭﻱ ﺑﻜﻨﻴﺪ ﻳﺎ‬ ‫ﻫﻤﻪ ﺭﺍ ﺑﻴﺮﻭﻥ ﻣﻲﺭﻳﺰﻡ‪ .‬ﺗﻮﺿﻴﺢ ﺩﺍﺩﻳﻢ ﻛﻪ ﺑﻪﺯﻭﺩﻱ ﺗﻮﻟﻴﺪ ﺧﻮﺩ ﺭﺍ ﺁﻏﺎﺯ ﺧﻮﺍﻫﻴﻢ ﻛﺮﺩ‪ .‬ﻣﻨﺘﻈـﺮ ﭼﻨـﺪﻳﻦ ﻫﻤﺴـﺎﻳﻪ‬ ‫ﺩﻳﮕﺮ ﻫﺴﺘﻴﻢ ﻛﻪ ﺧﻤﻴﺮﺩﻧﺪﺍﻥﻫﺎﻳﺸﺎﻥ ﺭﺍ ﻣﺼﺮﻑ ﻛﻨﻨﺪ ﻭ ﻟﻮﻟﻪﻫﺎﻱ ﺧﺎﻟﻲ ﺁﻧﻬﺎ ﺭﺍ ﻧﻴﺰ ﮔﺮﺩﺁﻭﺭﻱ ﻛﻨـﻴﻢ‪ .‬ﻣـﺎﺩﺭ ﻳـﻚ‬ ‫ﻫﻔﺘﻪ ﺩﻳﮕﺮ ﺑﻪ ﻣﺎ ﻣﻬﻠﺖ ﺩﺍﺩ‪.‬‬ ‫ﺗﺎﺭﻳﺦ ﺗﻮﻟﻴﺪ ﺭﺍ ﺟﻠﻮ ﺍﻧﺪﺍﺧﺘﻴﻢ‪ .‬ﭘﺪﺭﻡ ﻳﻚ ﺭﻭﺯ ﺑﺎ ﻳﻜﻲ ﺍﺯ ﺩﻭﺳﺘﺎﻥﺍﺵ ﺑﻪ ﺧﺎﻧﻪ ﺁﻣﺪ ﻭ ﺩﻳﺪ ﻛﻪ ﺩﻭ ﻛﻮﺩﻙ ‪ ٩‬ﺳﺎﻟﻪ‬ ‫ﺩﺭ ﻣﺤﻞ ﭘﺎﺭﻛﻴﻨﮓ ﺧﻂ ﺗﻮﻟﻴﺪ ﺧﻮﺩ ﺭﺍ ﺑﺎ ﺗﻤﺎﻡ ﺳﺮﻋﺖ ﺑﻪ ﺭﺍﻩ ﺍﻧﺪﺍﺧﺘﻪﺍﻧﺪ‪ .‬ﮔﺮﺩﻩ ﭘﻮﺩﺭ ﺳﻔﻴﺪﻱ ﻫﻤﻪ ﺟـﺎ ﺭﺍ ﮔﺮﻓﺘـﻪ‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﺑﻮﺩ‪ .‬ﺭﻭﻱ ﻣﻴﺰﻱ ﺩﺭﺍﺯ‪ ،‬ﭘﺎﻛﺖﻫﺎﻱ ﻛﻮﭼﻚ ﺷﻴﺮ ﻛﻪ ﺩﺭ ﻣﺪﺭﺳﻪ ﻣﺼﺮﻑ ﻣﻲﺷﻮﻧﺪ‪ ،‬ﻭ ﻣﻨﻘﻞ ﺑﺰﺭﮒ ﺧـﺎﻧﻮﺍﺩﻩ ﻭﻳـﮋﻩ‬ ‫ﻛﺒﺎﺏ ﻛﺮﺩﻥ ﭘﺮ ﺍﺯ ﺯﻏﺎﻝ ﻭ ﺁﺗﺶ ﺳﺮﺥ ﺑﺎ ﮔﺮﻣﺎﻱ ﺯﻳﺎﺩ ﻗﺮﺍﺭ ﺩﺍﺷﺖ‪.‬‬ ‫ﭘﺪﺭﻡ ﺑﺎ ﺍﺣﺘﻴﺎﻁ ﭘﻴﺶ ﺁﻣﺪ‪ .‬ﺍﻭ ﻭ ﺩﻭﺳﺖﺍﺵ ﻛﻪ ﻧﺰﺩﻳﻚﺗﺮ ﺷﺪﻧﺪ ﺩﻳﺪﻧﺪ ﻛﻪ ﺩﺍﺧﻞ ﺩﻳﮓ ﻓﻮﻻﺩﻱ ﺭﻭﻱ ﺁﺗﺶ‬ ‫ﭘﺮ ﺍﺯ ﻟﻮﻟﻪﻫﺎﻱ ﺧﺎﻟﻲ ﺧﻤﻴﺮﺩﻧﺪﺍﻥ ﺍﺳﺖ ﻛﻪ ﺫﻭﺏ ﻣﻲﺷﻮﻧﺪ‪ .‬ﺩﺭ ﺁﻥ ﺭﻭﺯﮔﺎﺭ ﻟﻮﻟﻪﻫﺎﻱ ﭘﻼﺳﺘﻴﻜﻲ ﺧﻤﻴﺮﺩﻧﺪﺍﻥ ﻫﻨﻮﺯ‬ ‫ﺑﻪ ﺑﺎﺯﺍﺭ ﻧﻴﺎﻣﺪﻩ ﺑﻮﺩ‪ .‬ﻣﺎ ﻟﻮﻟﻪﻫﺎ ﺭﺍ ﺩﺭ ﺩﻳﮓ ﻓﻮﻻﺩﻱ ﻣﻲﺭﻳﺨﺘﻴﻢ ﻭ ﮔﺮﻣﺎ ﻣﻲﺩﺍﺩﻳﻢ ﺗﺎ ﺫﻭﺏ ﺷﻮﺩ‪ .‬ﺳﭙﺲ ﺩﻳﮓ ﺭﺍ ﺑﺎ‬ ‫ﺍﺣﺘﻴﺎﻁ ﺍﺯ ﺭﻭﻱ ﺁﺗﺶ ﺑﺮﺩﺍﺷﺘﻪ ﻭ ﻓﻠﺰ ﺁﺏ ﺷﺪﻩ ﺭﺍ ﺍﺯ ﺳﻮﺭﺍﺥﻫﺎﻱ ﻛﻮﭼﻜﻲ ﻛﻪ ﺩﺭ ﺑﺎﻻﻱ ﭘﺎﻛﺖ ﺷﻴﺮ ﺩﺭﺳﺖ ﻛﺮﺩﻩ‬ ‫ﺑﻮﺩﻳﻢ‪ ،‬ﺑﻪ ﺩﺭﻭﻥ ﺁﻥ ﻣﻲﺭﻳﺨﺘﻴﻢ‪ .‬ﺩﻳﻮﺍﺭﻩﻫﺎﻱ ﭘﺎﻛﺖ ﺷﻴﺮ ﺭﺍ ﺑﺎ ﺧﻤﻴﺮ ﮔﭻ ﭘﻮﺷﺎﻧﺪﻩ ﺑﻮﺩﻳﻢ‪ .‬ﭘﻮﺩﺭ ﺳﻔﻴﺪ ﭘﺨﺶﺷﺪﻩ‬ ‫ﺩﺭ ﭘﻴﺮﺍﻣﻮﻥ‪ ،‬ﺍﺯ ﻫﻤﺎﻥ ﮔﭽﻲ ﺑﻮﺩ ﻛﻪ ﺑﻪ ﺩﻳﻮﺍﺭﻩﻫﺎ ﻣﺎﻟﻴﺪﻩ ﺑﻮﺩﻳﻢ‪ .‬ﺑﻪ ﺧﺎﻃﺮ ﺷﺘﺎﺑﻲ ﻛﻪ ﺩﺭ ﻛﺎﺭ ﺩﺍﺷﺘﻢ ﭘﺎﻱ ﻣـﻦ ﺑـﻪ‬ ‫ﻛﻴﺴﻪ ﮔﭻ ﺧﻮﺭﺩﻩ ﻭ ﺑﺎ ﺭﻳﺨﺘﻦ ﺁﻥ ﺑﺮ ﺯﻣﻴﻦ‪ ،‬ﺑﻪ ﻧﻈﺮ ﻣﻲﺭﺳـﻴﺪ ﻛـﻪ ﻛـﻮﻻﻙ ﺑـﺮﻑ ﺑـﺮ ﻛﺎﺭﮔـﺎﻩ ﻭﺯﻳـﺪﻩ ﺍﺳـﺖ‪.‬‬ ‫ﭘﺎﻛﺖﻫﺎﻱ ﺷﻴﺮ ﻻﻳﻪ ﺑﻴﺮﻭﻧﻲ ﻗﺎﻟﺐﻫﺎﻱ ﮔﭽﻲ ﻣﺎ ﺑﻮﺩﻧﺪ‪.‬‬ ‫ﺩﺳﺖ ﺁﺧﺮ ﻛﺎﺭ ﺗﻤﺎﻡ ﺷﺪ ﻭ ﺩﻳﮓ ﺭﺍ ﭘﺎﻳﻴﻦ ﮔﺬﺍﺷﺘﻴﻢ‪.‬‬ ‫ﭘﺪﺭﻡ ﻣﺤﺘﺎﻃﺎﻧﻪ ﭘﺮﺳﻴﺪ‪ :‬ﭘﺴﺮﻫﺎ ﭼﻪ ﻛﺎﺭ ﻣﻲﻛﻨﻴﺪ؟‬ ‫ﮔﻔﺘﻢ ﻫﻤﺎﻥ ﻛﺎﺭﻱ ﺭﺍ ﻣﻲﻛﻨﻴﻢ ﻛﻪ ﺷﻤﺎ ﮔﻔﺘﻴﺪ‪ ،‬ﻣﻲﺧﻮﺍﻫﻴﻢ ﺛﺮﻭﺗﻤﻨﺪ ﺷﻮﻳﻢ‪ .‬ﻣﺎﻳﻚ ﻫﻢ ﺧﻨﺪﻳﺪ ﻭ ﮔﻔﺖ ﺷﺮﻳﻜﻴﻢ‪.‬‬ ‫ﺑﺎﺑﺎ ﭘﺮﺳﻴﺪ‪ :‬ﺧﻮﺏ ﺗﻮﻱ ﻗﺎﻟﺐ ﮔﭽﻲ ﭼﻲ ﺩﺍﺭﻳﺪ؟‬ ‫ﮔﻔﺘﻢ ﺗﻤﺎﺷﺎ ﻛﻦ‪.‬‬ ‫ﭘﺪﺭﻡ ﺑﺎ ﻫﻴﺠﺎﻥ ﮔﻔﺖ‪ :‬ﺍﻭﻩ ﺧﺪﺍﻱ ﻣﻦ! ﺩﺍﺭﻳﺪ ﻧﻴﻜﻞﮔﺪﺍﺯﻱ ﻣﻲﻛﻨﻴﺪ‪ .‬ﭘﺪﺭ ﺍﺯ ﻣﺎ ﺧﻮﺍﺳﺖ ﺗﺎ ﻫﻤـﻪ ﭼﻴـﺰ ﺭﺍ ﻛﻨـﺎﺭ‬ ‫ﺑﮕﺬﺍﺭﻳﻢ ﻭ ﺑﻪ ﺍﻭ ﮔﻮﺵ ﺩﻫﻴﻢ‪ .‬ﺑﺎ ﻟﺒﺨﻨﺪ ﻭ ﺑﻪﺁﺭﺍﻣﻲ ﻛﻮﺷﻴﺪ ﺗﺎ ﻣﻌﻨﺎﻱ ﺟﻌﻞ ﻛﺮﺩﻥ ﺭﺍ ﺑﺮﺍﻳﻤﺎﻥ ﺗﻮﺿﻴﺢ ﺩﻫﺪ‪.‬‬ ‫ﻣﺎﻳﻚ ﺑﺎ ﺻﺪﺍﻱ ﻟﺮﺯﺍﻥ ﭘﺮﺳﻴﺪ‪ :‬ﻣﻨﻈﻮﺭﺗﺎﻥ ﺍﻳﻦ ﺍﺳﺖ ﻛﻪ ﻛﺎﺭﻱ ﻏﻴﺮﻗﺎﻧﻮﻧﻲ ﻛﺮﺩﻩﺍﻳﻢ؟‬ ‫ﺑﺎﺑﺎ ﺑﺎ ﻧﺮﻣﻲ ﮔﻔﺖ‪ :‬ﺑﻠﻪ‪ ،‬ﺑﺎ ﺍﻳﻦ ﻭﺻﻒ ﺷﻤﺎ ﻳﻚ ﺍﻧﺪﻳﺸﻪ ﺑﻜﺮ ﻭ ﻛـﺎﺭﻱ ﺑـﻲﺳـﺎﺑﻘﻪ ﺭﺍ ﺑـﻪ ﺗﻤﺎﺷـﺎ ﮔﺬﺍﺷـﺘﻪﺍﻳـﺪ‪.‬‬ ‫ﺑﻪﺭﺍﺳﺘﻲ ﻣﻦ ﺑﻪ ﺷﻤﺎ ﺍﻓﺘﺨﺎﺭ ﻣﻲ ﻛﻨﻢ‪.‬‬ ‫ﻣﺎﻳﻚ ﻭ ﻣﻦ ﻧﻮﻣﻴﺪﺍﻧﻪ ﺑﻴﺴﺖ ﺩﻗﻴﻘﻪﺍﻱ ﺭﺍ ﺩﺭ ﺳﻜﻮﺕ ﻧﺸﺴﺘﻴﻢ‪ .‬ﻛﺴﺐﻭ ﻛﺎﺭ ﻣـﺎ ﺩﺭ ﺭﻭﺯ ﺑﺎﺯﮔﺸـﺎﻳﻲ ﺑـﻪ ﻫـﻮﺍ‬ ‫ﺭﻓﺘﻪ ﺑﻮﺩ‪ .‬ﺑﻪ ﻣﺎﻳﻚ ﮔﻔﺘﻢ ﮔﻤﺎﻥ ﻣﻲﻛﻨﻢ ﺟﻴﻤﻲ ﻭ ﺩﻭﺳﺘﺎﻥﺍﺵ ﺭﺍﺳﺖ ﻣﻲﮔﻮﻳﻨﺪ‪ ،‬ﻣـﺎ ﺁﺩﻡﻫـﺎﻱ ﻧـﺎﺩﺍﺭﻱ ﻫﺴـﺘﻴﻢ‪.‬‬ ‫ﭘﺪﺭﻡ ﺑﺮﮔﺸﺖ ﻭ ﮔﻔﺖ‪ :‬ﭘﺴﺮﻫﺎ‪ ،‬ﺷﻤﺎ ﺗﻨﻬﺎ ﻫﻨﮕﺎﻣﻲ ﻧﺎﺩﺍﺭ ﻫﺴﺘﻴﺪ ﻛﻪ ﺍﺯ ﻛﻮﺷﺶ ﺑﺎﺯﺍﻳﺴﺘﻴﺪ‪ .‬ﻧﻜﺘﻪ ﻣﻬﻢ ﺍﻳـﻦ ﺍﺳـﺖ‬ ‫ﻛﻪ ﺷﻤﺎ ﺣﺮﻛﺘﻲ ﻛﺮﺩﻩﺍﻳﺪ‪ .‬ﺷﻤﺎ ﻛﺎﺭﻱ ﺍﻧﺠﺎﻡ ﺩﺍﺩﻩﺍﻳﺪ‪ .‬ﻣﻦ ﺑﻪ ﻫﺮﺩﻭﻱ ﺷﻤﺎ ﺍﻓﺘﺨﺎﺭ ﻣﻲﻛﻨﻢ‪ .‬ﺍﺩﺍﻣﻪ ﺑﺪﻫﻴﺪ‪ .‬ﺗﺴـﻠﻴﻢ‬ ‫ﻧﺸﻮﻳﺪ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ ﺑﺎﺑﺎ ﭘﺲ ﭼﺮﺍ ﺷﻤﺎ ﺛﺮﻭﺗﻤﻨﺪ ﻧﻴﺴﺘﻴﺪ؟‬ ‫ـ ﭼﻮﻥ ﻣﻦ ﺁﻣﻮﺯﮔﺎﺭﻱ ﺭﺍ ﺑﺮﮔﺰﻳﺪﻩﺍﻡ‪ .‬ﺑﻪﺭﺍﺳﺘﻲ ﻛﻪ ﺁﻣﻮﺯﮔﺎﺭﺍﻥ ﺑﻪ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪﻥ ﻧﻤﻲﺍﻧﺪﻳﺸﻨﺪ‪ ،‬ﺗﻨﻬـﺎ ﺩﺭﺱ‬ ‫ﺩﺍﺩﻥ ﺭﺍ ﺩﻭﺳﺖ ﺩﺍﺭﻧﺪ‪ .‬ﺍﮔﺮ ﻣﻲﺧﻮﺍﻫﻴﺪ ﺩﺭﺱ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪﻥ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳﺪ‪ ،‬ﻧﺰﺩ ﺑﺎﺑﺎﻱ ﻣﺎﻳﻚ ﺑﺮﻭﻳﺪ‪.‬‬ ‫ﻣﺎﻳﻚ ﺑﺎ ﭼﻬﺮﻩﺍﻱ ﺩﺭﻫﻢﻛﺸﻴﺪﻩ ﮔﻔﺖ‪ :‬ﭘﺪﺭ ﻣﻦ؟‬ ‫ﭘﺪﺭﻡ ﺑﺎ ﻟﺒﺨﻨﺪ ﺗﻜﺮﺍﺭ ﻛﺮﺩ ﺁﺭﻱ ﭘﺪﺭ ﺗﻮ‪ .‬ﻛﺎﺭﺷﻨﺎﺱ ﺑﺎﻧﻜﻲ ﻣﻦ ﻭ ﭘﺪﺭﺕ ﻳﻚ ﻧﻔﺮ ﺍﺳـﺖ‪ .‬ﺍﻭ ﺍﺯ ﺑﺎﺑﺎﻳـﺖ ﺳـﺨﺖ‬ ‫ﺗﻌﺮﻳﻒ ﻣﻲﻛﻨﺪ‪ .‬ﭼﻨﺪﻳﻦ ﺑﺎﺭ ﺑﻪ ﻣﻦ ﮔﻔﺘﻪ ﺍﺳﺖ ﻛﻪ ﭘﺪﺭ ﺗﻮ ﺩﺭ ﺯﻣﻴﻨﻪ ﭘﻮﻝ ﺳﺎﺧﺘﻦ ﻧﺎﺑﻐﻪ ﺍﺳﺖ‪.‬‬ ‫ﺑﺎ ﺷﻨﻴﺪﻥ ﺍﻳﻦ ﺳﺨﻨﺎﻥ ﻣﻦ ﻭ ﻣﺎﻳﻚ ﺧﻮﺷﺤﺎﻝ ﺷﺪﻳﻢ ﻭ ﺑﺎ ﭘﺪﺭﺵ ﺩﻳﺪﺍﺭ ﻛﺮﺩﻳﻢ‪.‬‬ ‫ﺍﻭ ﮔﻔﺖ ﭘﺴﺮﻫﺎ ﺁﻣﺎﺩﻩﺍﻳﺪ؟ ﻣﺎ ﺑﺎ ﺗﻜﺎﻥ ﺩﺍﺩﻥ ﺳﺮ ﭘﺎﺳﺦ ﺩﺍﺩﻳﻢ‪.‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ـ ﺑﺴﻴﺎﺭ ﺧﻮﺏ‪ ،‬ﺑﻪ ﺷﻤﺎ ﺩﺭﺱ ﺧﻮﺍﻫﻢ ﺩﺍﺩ ﻭﻟﻲ ﻧﻪ ﺑﻪ ﺭﻭﺵ ﻣﺪﺭﺳﻪﺍﻱ‪ .‬ﺷﻤﺎ ﺑﺎﻳﺪ ﻛﺎﺭ ﻛﻨﻴﺪ ﻣﻨﻬﻢ ﺩﺭﺳﺘﺎﻥ ﻣﻲ‬ ‫ﺩﻫﻢ‪ .‬ﺍﮔﺮ ﻧﻜﺮﺩﻳﺪ ﺍﺯ ﺩﺭﺱ ﻫﻢ ﺧﺒﺮﻱ ﻧﺨﻮﺍﻫﺪ ﺑﻮﺩ‪.‬‬ ‫ﮔﻔﺘﻢ‪ :‬ﻣﻲﺗﻮﺍﻧﻢ ﭼﻴﺰﻱ ﺑﭙﺮﺳﻢ؟‬ ‫ـ ﻧﻪ‪ ،‬ﺑﭙﺬﻳﺮﻳﺪ ﻳﺎ ﺭﻫﺎ ﻛﻨﻴﺪ‪ .‬ﺍﮔﺮ ﻧﺘﻮﺍﻧﻴﺪ ﺫﻫﻦ ﺧﻮﺩ ﺭﺍ ﺗﺼﻤﻴﻢﮔﻴﺮﻧﺪﻩ ﺑﺎﺭﺁﻭﺭﻳﺪ‪ ،‬ﻫﻴﭻ ﮔـﺎﻩ ﭘﻮﻟﺴـﺎﺯ ﻧﺨﻮﺍﻫﻴـﺪ‬ ‫ﺷﺪ‪ .‬ﻓﺮﺻﺖﻫﺎﻳﻲ ﻣﻲﺁﻳﻨﺪ ﻭ ﻣﻲﺭﻭﻧﺪ‪ .‬ﺍﻳﻨﻜﻪ ﺑﺪﺍﻧﻴﺪ ﻛﻲ ﻭ ﭼﮕﻮﻧﻪ ﺑﺎﻳﺪ ﺑﺎ ﺷﺘﺎﺏ ﺗﺼﻤﻴﻢ ﮔﺮﻓﺖ‪ ،‬ﻣﻬـﺎﺭﺕ ﻣﻬﻤـﻲ‬ ‫ﺍﺳﺖ‪ .‬ﻓﺮﺻﺘﻲ ﻛﻪ ﺧﻮﺍﺳﺘﻪﺍﻳﺪ ﺍﻳﻨﻚ ﺩﺭ ﺍﺧﺘﻴﺎﺭ ﺷﻤﺎﺳﺖ ﺗﺎ ﺩﻩ ﺛﺎﻧﻴﻪ ﺩﻳﮕﺮ ﻳﺎ ﺩﺭﺱ ﺁﻏﺎﺯ ﻣـﻲﺷـﻮﺩ ﻳـﺎ ﻗﺮﺍﺭﻣـﺎﻥ‬ ‫ﺑﻪﻫﻢ ﻣﻲﺧﻮﺭﺩ‪.‬‬ ‫ﻣﻦ ﻭ ﻣﺎﻳﻚ ﭘﺬﻳﺮﻓﺘﻴﻢ‪ .‬ﺑﺎﺑﺎﻱ ﻣﺎﻳﻚ ﮔﻔﺖ ﺑﻪ ﻓﺮﻭﺷﮕﺎﻩ ﻣﻦ ﻣﻲﺭﻭﻳﺪ ﻭ ﺑﺮﺍﻳﻢ ﻛﺎﺭ ﻣﻲﻛﻨﻴﺪ‪ .‬ﺳﺎﻋﺘﻲ ‪ ١٠‬ﺳﻨﺖ ﺑﻪ‬ ‫ﺷﻤﺎ ﻣﻲﺩﻫﻢ ﻭ ﻫﺮ ﺷﻨﺒﻪ ‪ ٣‬ﺳﺎﻋﺖ ﻛﺎﺭ ﺧﻮﺍﻫﻴﺪ ﻛﺮﺩ‪.‬‬ ‫ﻣﻦ ﮔﻔﺘﻢ ﻭﻟﻲ ﺷﻨﺒﻪﻫﺎ ﺑﺎﺯﻱ ﺑﻴﺴﺒﺎﻝ ﺩﺍﺭﻡ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﻣﺎﻳﻚ ﺑﺎ ﺧﺸﻮﻧﺖ ﮔﻔﺖ‪ :‬ﻣﻲﭘﺬﻳﺮﻳﺪ ﻳﺎ ﺭﻫﺎ ﻣﻲﻛﻨﻴﺪ؟‬ ‫ﭘﺎﺳﺦ ﺩﺍﺩﻡ ﻣﻲﭘﺬﻳﺮﻡ‪ ،‬ﻭ ﻛﺎﺭ ﻛﺮﺩﻥ ﻭ ﺁﻣﻮﺧﺘﻦ ﺭﺍ ﺟﺎﻧﺸﻴﻦ ﺑﺎﺯﻱ ﺑﻴﺴﺒﺎﻝ ﻧﻤﻮﺩﻡ‪.‬‬ ‫‪ ٣‬ﻫﻔﺘﻪ ﭘﻴﺎﭘﻲ ﺩﺭ ﻓﺮﻭﺷﮕﺎﻩ ﻛﺎﺭ ﻛﺮﺩﻡ‪ .‬ﺩﺭ ﺳﺎﻋﺖ ‪ ١٢‬ﻛﺎﺭﻡ ﺗﻤﺎﻡ ﻣﻲﺷﺪ ﻭ ﻣﺴﺌﻮﻝ ﻓﺮﻭﺷﮕﺎﻩ ‪ ٣‬ﺳﻜﻪ ‪ ١٠‬ﺳﻨﺘﻲ‬ ‫ﻛﻒ ﺩﺳﺘﻢ ﻣﻲﮔﺬﺍﺷﺖ ﻛﻪ ﺣﺘﻲ ﺩﺭ ﺁﻥ ﻣﻴﺎﻧﻪ ﺩﻫﻪ ‪ ١٩٥٠‬ﺑﺮﺍﻱ ﻛﻮﺩﻛﻲ ‪ ٩‬ﺳﺎﻟﻪ ﭘﻮﻟﻲ ﻫﻴﺠﺎﻥﺁﻭﺭ ﻧﺒﻮﺩ‪.‬‬ ‫ﺑﺎ ﻓﺮﺍﺭﺳﻴﺪﻥ ﻫﻔﺘﻪ ﭼﻬﺎﺭﻡ ﻣﻦ ﺁﻣﺎﺩﻩ ﺗﺮﻙ ﻛﺎﺭ ﺷﺪﻩ ﺑﻮﺩﻡ ﭼﻮﻥ ﻣﻲﺩﻳﺪﻡ ﻛﻪ ﺑﺮﺩﻩ ﺳﺎﻋﺘﻲ ‪ ١٠‬ﺳﻨﺖ ﺷـﺪﻩ‬ ‫ﺑﻮﺩﻡ‪ .‬ﺍﺯ ﺍﻳﻦ ﮔﺬﺷﺘﻪ ﭘﺲ ﺍﺯ ﻧﺨﺴﺘﻴﻦ ﺩﻳﺪﺍﺭ ﺩﻳﮕﺮ ﺑﺎﺑﺎﻱ ﻣﺎﻳﻚ ﺭﺍ ﻧﻤﻲﺩﻳﺪﻡ‪ .‬ﻫﻨﮕﺎﻡ ﻧﺎﻫﺎﺭ ﺑﻪ ﻣﺎﻳﻚ ﮔﻔﺘﻢ ﻣﻦ ﺍﻳﻦ‬ ‫ﻛﺎﺭ ﺭﺍ ﻭﻝ ﻣﻲﻛﻨﻢ‪ .‬ﻣﺎﻳﻚ ﺑﻪ ﺧﻨﺪﻩ ﺍﻓﺘﺎﺩ‪ .‬ﺑﺎ ﺧﺸﻢ ﻭ ﻧﺎﺭﺍﺣﺘﻲ ﭘﺮﺳﻴﺪﻡ‪ :‬ﭼﺮﺍ ﻣﻲﺧﻨﺪﻱ؟‬ ‫ـ ﺑﺎﺑﺎﻡ ﮔﻔﺖ ﻛﻪ ﭼﻨﻴﻦ ﺧﻮﺍﻫﺪ ﺷﺪ‪ .‬ﺳﻔﺎﺭﺵ ﻛﺮﺩ ﻛﻪ ﻫﺮﮔﺎﻩ ﺁﻣﺎﺩﻩ ﺗﺮﻙ ﻛﺎﺭ ﺷﺪﻱ‪ ،‬ﺑﻪ ﺳﺮﺍﻏﺶ ﺑﺮﻭﻳﻢ‪.‬‬ ‫ﺣﺎﺿﺮ ﻭ ﺁﻣﺎﺩﻩ ﺭﻭﺑﻪﺭﻭ ﺷﺪﻥ ﺑﺎ ﺍﻭ ﺑﻮﺩﻡ‪ .‬ﺣﺘﻲ ﺑﺎﺑﺎﻱ ﻭﺍﻗﻌﻲﺍﻡ ﻫﻢ ﺍﺯ ﺍﻭ ﺧﺸﻤﮕﻴﻦ ﺑﻮﺩ‪.‬‬ ‫ﭘﺪﺭ ﺭﺍﺳﺘﻴﻨﻢ‪ ،‬ﺁﻧﻜﻪ “ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ” ﻣﻲﻧﺎﻣﻢ‪ ،‬ﻋﻘﻴﺪﻩ ﺩﺍﺷـﺖ ﻛـﻪ “ﺑﺎﺑـﺎﻱ ﺩﺍﺭﺍ” ﺍﺯ ﻗـﺎﻧﻮﻥ ﺣﻤﺎﻳـﺖ ﺍﺯ ﻛﻮﺩﻛـﺎﻥ‬ ‫ﺳﺮﭘﻴﭽﻲ ﻛﺮﺩﻩ ﺍﺳﺖ ﻭ ﺑﺎﻳﺪ ﺗﺤﺖ ﭘﻴﮕﺮﺩ ﻗﺮﺍﺭ ﮔﻴﺮﺩ‪.‬‬ ‫ﺑﻪ ﻣﻼﻗﺎﺕ ﭘﺪﺭ ﻣﺎﻳﻚ ﺭﻓﺘﻢ‪ ،‬ﭘﺲ ﺍﺯ ﻳﻚ ﺳﺎﻋﺖ ﻣﻌﻄﻠﻲ‪ ،‬ﻣﺮﺍ ﺑﻪ ﺍﺗﺎﻕ ﺧﻮﺩ ﻓﺮﺍﺧﻮﺍﻧﺪ ﻭ ﮔﻔـﺖ‪ :‬ﺷـﻨﻴﺪﻩﺍﻡ ﻛـﻪ‬ ‫ﺧﻮﺍﻫﺎﻥ ﺍﺿﺎﻓﻪ ﺩﺳﺘﻤﺰﺩ ﻫﺴﺘﻲ ﻭﮔﺮﻧﻪ ﻛﺎﺭﺕ ﺭﺍ ﺗﺮﻙ ﺧﻮﺍﻫﻲ ﻛﺮﺩ‪ .‬ﺑﺎ ﺑﻐﺾ ﮔﻔﺘﻢ ﺷﻤﺎ ﺷﺮﻁ ﺭﺍ ﺭﻋﺎﻳﺖ ﻧﻜﺮﺩﻳﺪ‪.‬‬ ‫ﺷﻖ ﻭ ﺭﺍﺳﺖ ﺩﺭ ﺻﻨﺪﻟﻲ ﮔﺮﺩﺍﻥﺍﺵ ﻧﺸﺴﺖ ﻭ ﮔﻔﺖ‪ :‬ﺑﺪ ﻧﻴﺴﺖ‪ ،‬ﺩﺭ ﻛﻢﺗﺮ ﺍﺯ ﻳﻚ ﻣﺎﻩ ﺻﺪﺍﻳﺖ ﺑﻪ ﺑﻠﻨﺪﻱ ﺩﻳﮕـﺮ‬ ‫ﻛﺎﺭﻛﻨﺎﻥ ﮔﻠﻪﻣﻨﺪﻡ ﺭﺳﻴﺪﻩ ﺍﺳﺖ‪.‬‬ ‫ﺍﺯ ﻣﻮﺿﻮﻉ ﺳﺮ ﺩﺭﻧﻴﺎﻭﺭﺩﻩ ﺑﻮﺩﻡ‪ .‬ﮔﻔﺘﻢ ﭼﻲ؟ ﺷﻤﺎ ﻗﻮﻝ ﺧﻮﺩ ﺭﺍ ﺷﻜﺴﺘﻪﺍﻳﺪ‪ .‬ﺑﻪ ﻣﻦ ﭼﻴﺰﻱ ﻳـﺎﺩ ﻧﺪﺍﺩﻳـﺪ‪ ،‬ﺣـﺎﻻ‬ ‫ﻣﻲﺧﻮﺍﻫﻴﺪ ﻣﺮﺍ ﺗﻨﺒﻴﻪ ﻫﻢ ﺑﻜﻨﻴﺪ؟ ﺍﻳﻦ ﺑﻲﺭﺣﻤﺎﻧﻪ ﺍﺳﺖ‪ .‬ﺑﻪﺭﺍﺳﺘﻲ ﺑﻲﺭﺣﻤﺎﻧﻪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍﻳﻢ ﺑﺎ ﺁﺭﺍﻣﻲ ﮔﻔﺖ‪ :‬ﻭﻟﻲ ﻣﻦ ﺩﺍﺭﻡ ﺑﻪ ﺗﻮ ﺩﺭﺱ ﻣﻲﺩﻫﻢ‪.‬‬ ‫ﺑﺎ ﺧﺸﻢ ﮔﻔﺘﻢ‪ ،‬ﺑﻪ ﻣﻦ ﭼﻪ ﻳﺎﺩ ﺩﺍﺩﻩﺍﻳﺪ؟ ﻫﻴﭻ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﮔﻔﺖ‪ :‬ﺍﻭﻩ ﺍﻛﻨـﻮﻥ ﺻـﺪﺍﻳﺖ ﺩﺭﺳـﺖ ﻣﺎﻧﻨـﺪ ﺑﻴﺸـﺘﺮ‬ ‫ﻛﺴﺎﻧﻲ ﺷﺪﻩ ﻛﻪ ﺑﺮﺍﻱ ﻣﻦ ﻛﺎﺭ ﻣﻲﻛﻨﻨﺪ‪ .‬ﻛﺴﺎﻧﻲ ﻛﻪ ﻳﺎ ﺍﺧﺮﺍﺝ ﻛﺮﺩﻩﺍﻡ‪ ،‬ﻳﺎ ﺧﻮﺩﺷﺎﻥ ﻣﺮﺍ ﺗﺮﻙ ﻛﺮﺩﻩﺍﻧﺪ‪.‬‬ ‫ﺑﺎ ﺩﻟﻴﺮﻱ ﺩﻭﺭ ﺍﺯ ﺍﻧﺘﻈﺎﺭ ﺑﺮﺍﻱ ﻳﻚ ﭘﺴﺮﺑﭽﻪ ﭘﺮﺳﻴﺪﻡ‪ :‬ﭼﻪ ﺩﺍﺭﻱ ﺑﮕﻮﻳﻲ‪ ،‬ﺷﻤﺎ ﻗﻮﻝ ﺧﻮﺩ ﺭﺍ ﻧﮕﻪ ﻧﺪﺍﺷﺘﻴﺪ‪ .‬ﺑﻪ ﻣﻦ‬ ‫ﻫﻴﭻ ﻳﺎﺩ ﻧﺪﺍﺩﻳﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﺎ ﺁﺭﺍﻣﻲ ﭘﺮﺳﻴﺪ‪ :‬ﭼﮕﻮﻧﻪ ﻣﻲﺩﺍﻧﻲ ﻛﻪ ﻫﻴﭻ ﻳﺎﺩ ﻧﺪﺍﺩﻩﺍﻡ؟‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﮔﻔﺘﻢ‪ :‬ﻫﺮﮔﺰ ﺑﺎ ﻣﻦ ﺳﺨﻨﻲ ﻧﮕﻔﺘﻴﺪ‪ .‬ﻣﻦ ﺑﺮﺍﻳﺖ ﻛﺎﺭ ﻛﺮﺩﻡ ﻭ ﺷﻤﺎ ﻫﻴﭻ ﻳﺎﺩﻡ ﻧﺪﺍﺩﻳﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﭘﺮﺳﻴﺪ‪ :‬ﺁﻳﺎ ﺩﺭﺱ ﺩﺍﺩﻥ ﺗﻨﻬﺎ ﺍﺯ ﺭﺍﻩ ﮔﻔﺘﮕﻮ ﻭ ﺳﺨﻨﺮﺍﻧﻲ ﺷﺪﻧﻲ ﺍﺳﺖ؟‬ ‫ﭘﺎﺳﺦ ﺩﺍﺩﻡ‪ :‬ﺧﻮﺏ‪ ،‬ﺁﺭﻩ‪.‬‬ ‫ﻟﺒﺨﻨﺪﺯﻧﺎﻥ ﮔﻔﺖ‪ :‬ﺍﻳﻦ ﺭﻭﺷﻲ ﺍﺳﺖ ﻛﻪ ﺩﺭ ﻣﺪﺭﺳﻪﻫﺎ ﻳﺎﺩ ﻣﻲﺩﻫﻨﺪ‪ .‬ﺯﻧـﺪﮔﻲ ﺍﻳـﻦﮔﻮﻧـﻪ ﺩﺭﺱ ﻧﻤـﻲﺩﻫـﺪ‪.‬‬ ‫ﺯﻧﺪﮔﻲ ﺳﺨﻦ ﻧﻤﻲﮔﻮﻳﺪ‪ .‬ﺷﻤﺎ ﺭﺍ ﺑﻪ ﺍﻳﻦ ﺳﻮ ﻭ ﺁﻥ ﺳﻮ ﻣﻲﻓﺸﺎﺭﺩ‪ .‬ﺑﺎ ﻫﺮ ﻓﺸﺎﺭﻱ ﻣـﻲﮔﻮﻳـﺪ ﺑﻴـﺪﺍﺭ ﺷـﻮ‪ ،‬ﭼﻴـﺰﻱ‬ ‫ﻫﺴﺖ ﻛﻪ ﺑﺎﻳﺪ ﺑﻴﺎﻣﻮﺯﻱ‪ .‬ﺍﮔﺮ ﺍﺯ ﺁﻥ ﺩﺳﺘﻪ ﺁﺩﻡﻫﺎﻳﻲ ﺑﺎﺷﻲ ﻛﻪ ﻫﺮ ﺑﺎﺭ ﺯﻧﺪﮔﻲ ﺭﻭﻱ ﺧﺸﻦ ﺧﻮﺩ ﺭﺍ ﻧﺸـﺎﻥ ﺩﻫـﺪ‪،‬‬ ‫ﺗﺴﻠﻴﻢ ﻣﻲﺷﻮﻱ‪ ،‬ﭼﻨﻴﻦ ﺁﺩﻡﻫﺎﻳﻲ ﻫﻤﻮﺍﺭﻩ ﺣﺎﺷﻴﻪ ﺍﻣﻦ ﺭﺍ ﺑﺮﻣﻲﮔﺰﻳﻨﻨﺪ‪ ،‬ﺁﻫﺴﺘﻪ ﻣـﻲﺁﻳﻨـﺪ ﻭ ﺁﻫﺴـﺘﻪ ﻣـﻲﺭﻭﻧـﺪ‪.‬‬ ‫ﭘﺲﺍﻧﺪﺍﺯ ﻣﻲﻛﻨﻨﺪ ﺑﺮﺍﻱ ﺭﻭﺯ ﻣﺒﺎﺩﺍﻳﻲ ﻛﻪ ﻫﺮﮔﺰ ﻧﺨﻮﺍﻫﺪ ﺁﻣﺪ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ‪ :‬ﺷﻤﺎ ﻫﻢ ﺩﺍﻧﺴﺘﻪ ﺑﺎ ﻣﻦ ﺧﺸﻦ ﺭﻓﺘﺎﺭ ﻛﺮﺩﻳﺪ؟‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﮔﻔﺖ‪ :‬ﺑﺮﺧﻲ ﭼﻨﻴﻦ ﮔﻤﺎﻥ ﻣﻲﻛﻨﻨﺪ‪ ،‬ﻭﻟﻲ ﻣﻦ ﺗﻨﻬﺎ ﺧﻮﺍﺳﺘﻢ ﺍﻧﺪﻛﻲ ﻣﺰﻩ ﺯﻧﺪﮔﻲ ﺭﺍ ﺑﻪ ﺗﻮ ﺑﭽﺸﺎﻧﻢ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ‪ :‬ﻛﺪﺍﻡ ﻣﺰﻩ ﺯﻧﺪﮔﻲ؟‬ ‫ﮔﻔﺖ‪ :‬ﺷﻤﺎ ﭘﺴﺮﻫﺎ ﻧﺨﺴﺘﻴﻦ ﻛﺴﺎﻧﻲ ﻫﺴﺘﻴﺪ ﻛﻪ ﺍﺯ ﻣﻦ ﺧﻮﺍﺳﺘﻪﺍﻧﺪ ﺗـﺎ ﺩﺭ ﺯﻣﻴﻨـﻪ ﭘـﻮﻝ ﺳـﺎﺧﺘﻦ ﺩﺭﺱﺷـﺎﻥ‬ ‫ﺑﺪﻫﻢ‪ .‬ﺑﻴﺶ ﺍﺯ ‪ ١٥٠‬ﻧﻔﺮ ﺑﺮﺍﻳﻢ ﻛﺎﺭ ﻣﻲﻛﻨﻨﺪ ﻭﻟﻲ ﺣﺘﻲ ﻳﻚ ﻧﻔﺮﺷﺎﻥ ﺍﺯ ﻣﻦ ﻧﭙﺮﺳﻴﺪﻩ ﺍﺳﺖ ﻛﻪ ﺍﺯ ﭘﻮﻝ ﭼﻪ ﻣﻲﺩﺍﻧـﻢ‪.‬‬ ‫ﺍﺯ ﻣﻦ ﺷﻐﻞ ﻭ ﭼﻚ ﭘﺮﺩﺍﺧﺘﻲ ﺭﺍ ﻣﻲﻃﻠﺒﻨﺪ ﻭﻟﻲ ﻫﺮﮔﺰ ﻧﺨﻮﺍﺳﺘﻪﺍﻧﺪ ﻛﻪ ﺩﺭﺑﺎﺭﻩ ﭘﻮﻝ ﭼﻴﺰﻱ ﺑﻴﺎﻣﻮﺯﻧﺪ‪ .‬ﻫﻤﻴﻦ ﺍﺳـﺖ‬ ‫ﻛﻪ ﺑﻬﺘﺮﻳﻦ ﺳﺎﻝﻫﺎﻱ ﺯﻧﺪﮔﻲ ﺧﻮﺩ ﺭﺍ ﺩﺭ ﻛﺴﺐ ﭘﻮﻝ ﺻﺮﻑ ﻣﻲﻛﻨﻨﺪ ﺑﺪﻭﻥ ﺁﻧﻜﻪ ﺑﻪﺩﺭﺳـﺘﻲ ﺁﻥ ﺭﺍ ﺑﺸﻨﺎﺳـﻨﺪ‪ .‬ﺍﺯ‬ ‫ﺍﻳﻨﺮﻭ ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﻣﺎﻳﻚ ﺑﻪ ﻣﻦ ﮔﻔﺖ ﺷﻤﺎ ﻣﻲﺧﻮﺍﻫﻴﺪ ﭼﮕﻮﻧﮕﻲ ﭘـﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳـﺪ‪ ،‬ﺧﻮﺍﺳـﺘﻢ ﺯﻧـﺪﮔﻲ‬ ‫ﺍﻧﺪﻛﻲ ﺧﺸﻮﻧﺖ ﺧﻮﺩ ﺭﺍ ﺑﻪ ﺷﻤﺎ ﻧﺸﺎﻥ ﺩﻫﺪ ﺗﺎ ﺁﻣﺎﺩﻩ ﻳﺎﺩﮔﻴﺮﻱ ﺷﻮﻳﺪ‪ .‬ﺑﻪ ﺍﻳﻦ ﺩﻟﻴﻞ ﺑﻮﺩ ﻛﻪ ﻣﺰﺩﺗﺎﻥ ﺭﺍ ﺳﺎﻋﺘﻲ ‪١٠‬‬ ‫ﺳﻨﺖ ﭘﺮﺩﺍﺧﺘﻢ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ ﺩﺭﺳﻲ ﻛﻪ ﺍﺯ ﺳﺎﻋﺘﻲ ‪ ١٠‬ﺳﻨﺖ ﻛﺎﺭ ﻛﺮﺩﻥ ﮔﺮﻓﺘﻪﺍﻳﻢ ﭼﻪ ﺑﻮﺩ؟ ﺍﻳﻨﻜﻪ ﺷﻤﺎ ﺁﺩﻡ ﺑﻲﻣﻘﺪﺍﺭﻱ ﻫﺴـﺘﻴﺪ ﻭ‬ ‫ﻛﺎﺭﻛﻨﺎﻥ ﺭﺍ ﺍﺳﺘﺜﻤﺎﺭ ﻣﻲﻛﻨﻴﺪ؟‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺍﺯ ﺗﻪ ﺩﻝ ﺑﻪ ﺧﻨﺪﻩ ﺍﻓﺘﺎﺩ‪ .‬ﻫﻨﮕﺎﻣﻲﻛﻪ ﺧﻨﺪﻩﺍﺵ ﺗﻤﺎﻡ ﺷﺪ‪ ،‬ﭼﻨﻴﻦ ﮔﻔﺖ‪ :‬ﺗﻮ ﺑﻬﺘﺮ ﺍﺳﺖ ﺩﻳـﺪﮔﺎﻫﺖ ﺭﺍ‬ ‫ﺩﺭﺑﺎﺭﻩ ﻣﻦ ﻋﻮﺽ ﻛﻨﻲ‪ ،‬ﺍﺯ ﺳﺮﺯﻧﺶ ﻣﻦ ﻭ ﺗﺼﻮﺭ ﺍﻳﻨﻜﻪ ﻣﺴﺌﻠﻪﺳﺎﺯﻡ ﺩﺳﺖ ﺑﺮﺩﺍﺭ‪ .‬ﺍﮔﺮ ﮔﻤﺎﻥ ﻣـﻲﻛﻨـﻲ ﻛـﻪ ﻣـﻦ‬ ‫ﻣﺸﻜﻞﺁﻓﺮﻳﻨﻢ‪ ،‬ﺗﻐﻴﻴﺮﻡ ﺑﺪﻩ‪ ،‬ﻭﻟﻲ ﭼﻨﺎﻧﭽﻪ ﻣﺸﻜﻞ ﺍﺯ ﺧﻮﺩﺕ ﺍﺳﺖ‪ ،‬ﺑﻪ ﺍﺻﻼﺡ ﺧﻮﺩ ﺑﭙـﺮﺩﺍﺯ‪ .‬ﭼﻴـﺰﻱ ﺗـﺎﺯﻩ ﺑﻴـﺎﻣﻮﺯ ﻭ‬ ‫ﺧﺮﺩﻣﻨﺪﺗﺮ ﺷﻮ‪ .‬ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺧﻮﺍﻫﺎﻥ ﺩﮔﺮﮔﻮﻥﺳﺎﺯﻱ ﺳﺮﺍﺳﺮ ﺟﻬﺎﻥ ﻫﺴﺘﻨﺪ‪ ،‬ﻏﻴﺮ ﺍﺯ ﺧﻮﺩﺷﺎﻥ‪ .‬ﺑﮕﺬﺍﺭ ﭼﻴـﺰﻱ‬ ‫ﺑﻪ ﺗﻮ ﺑﮕﻮﻳﻢ‪ .‬ﺗﻐﻴﻴﺮ ﺧﻮﺩ ﺍﺯ ﺗﻐﻴﻴﺮ ﻫﻤﻪ ﻣﺮﺩﻡ ﺑﺴﻲ ﺁﺳﺎﻥﺗﺮ ﺍﺳﺖ‪.‬‬ ‫ﮔﻔﺘﻢ‪ :‬ﻣﻄﻠﺐ ﺭﺍ ﻧﻤﻲ ﻓﻬﻤﻢ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﺎ ﺑﻲﺻﺒﺮﻱ ﮔﻔﺖ‪ :‬ﺑﻪ ﺟﺎﻱ ﺧﻮﺩﺕ‪ ،‬ﻣﺮﺍ ﺳﺮﺯﻧﺶ ﻧﻜﻦ‪.‬‬ ‫ـ ﻭﻟﻲ ﺷﻤﺎ ﺑﻮﺩﻳﺪ ﻛﻪ ﺳﺎﻋﺘﻲ ‪ ١٠‬ﺳﻨﺖ ﺑﻪ ﻣﻦ ﭘﺮﺩﺍﺧﺘﻴﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﺎ ﻟﺒﺨﻨﺪ ﭘﺮﺳﻴﺪ ﺧﻮﺏ ﭼﻪ ﭼﻴﺰﻱ ﺁﻣﻮﺧﺘﻲ؟‬ ‫ﺑﺎ ﺍﻧﺪﻛﻲ ﺍﺧﻢ ﮔﻔﺘﻢ‪ :‬ﺍﻳﻨﻜﻪ ﺷﻤﺎ ﺁﺩﻡ ﺑﻲﻣﻘﺪﺍﺭﻱ ﻫﺴﺘﻴﺪ‪.‬‬ ‫ـ ﺑﺒﻴﻦ ﮔﻤﺎﻥ ﻣﻲﻛﻨﻲ ﻛﻪ ﻣﺸﻜﻞ ﺍﺯﻣﻦ ﺍﺳﺖ؟‬ ‫ـ ﺑﻠﻪ ﻫﻤﻴﻦﻃﻮﺭ ﺍﺳﺖ‪.‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ـ ﺧﻮﺏ ﻫﻤﻴﻦ ﺭﻓﺘﺎﺭ ﺭﺍ ﺍﺩﺍﻣﻪ ﺑﺪﻩ ﻭ ﭼﻴﺰﻱ ﻧﺨﻮﺍﻫﻲ ﺁﻣﻮﺧﺖ‪ .‬ﺍﮔﺮ ﺍﻳﻦ ﺭﻓﺘﺎﺭ ﺭﺍ ﺍﺩﺍﻣﻪ ﺩﻫﻲ‪ ،‬ﭼﻪ ﺭﺍﻫﻲ ﺑﺮﺍﻳـﺖ‬ ‫ﺑﺎﻗﻲ ﻣﻲﻣﺎﻧﺪ؟‬ ‫ـ ﺧﻮﺏ ﭼﻨﺎﻧﭽﻪ ﺩﺳﺘﻤﺰﺩﻡ ﺭﺍ ﺍﺿﺎﻓﻪ ﻧﻜﻨﻲ‪ ،‬ﺑﻪ ﻣﻦ ﺍﺣﺘﺮﺍﻡ ﻧﮕﺬﺍﺭﻱ ﻭ ﺩﺭﺱ ﻧﺪﻫﻲ ﻛﺎﺭ ﺭﺍ ﺗﺮﻙ ﻣﻲﻛﻨﻢ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﮔﻔﺖ‪ :‬ﺧﻮﺏ ﻫﻤﻴﻦ ﻛﺎﺭ ﺭﺍ ﺑﻜﻦ‪ .‬ﻫﻤﺎﻥﮔﻮﻧﻪ ﻛﻪ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﺩﻳﮕﺮﺍﻥ ﻣﻲﻛﻨﻨﺪ‪ .‬ﺁﻧﺎﻥ ﺑﻪ ﺩﻧﺒـﺎﻝ ﻛـﺎﺭﻱ‬ ‫ﺩﻳﮕﺮ ﻣﻲﺭﻭﻧﺪ‪ ،‬ﻓﺮﺻﺘﻲ ﺑﻬﺘﺮ ﻭ ﭘﺮﺩﺍﺧﺖ ﺑﻴﺸﺘﺮ‪ .‬ﮔﻤﺎﻥ ﻣﻲﻛﻨﻨﺪ ﻛﻪ ﺷﻐﻞ ﺗﺎﺯﻩ ﻭ ﺩﺳﺘﻤﺰﺩ ﺑـﺎﻻﺗﺮ ﻣﺸـﻜﻞﺷـﺎﻥ ﺭﺍ‬ ‫ﺣﻞ ﻣﻲﻛﻨﺪ‪ .‬ﺩﺭ ﺑﺴﻴﺎﺭﻱ ﻣﻮﺍﺭﺩ ﭼﻨﻴﻦ ﻧﻴﺴﺖ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ ﭘﺲ ﭼﻪ ﭼﻴﺰﻱ ﻣﺴﺌﻠﻪ ﺭﺍ ﺣﻞ ﻣﻲﻛﻨﺪ؟ ﭘﺬﻳﺮﺵ ﺳﺎﻋﺘﻲ ‪ ١٠‬ﺳﻨﺖ؟‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﺎ ﺧﻨﺪﻩ ﮔﻔﺖ‪ :‬ﺍﻳﻦ ﻛﺎﺭﻱ ﺍﺳﺖ ﻛﻪ ﮔﺮﻭﻫﻲ ﻣﻲﻛﻨﻨﺪ‪ .‬ﭼﻚ ﺩﺳﺘﻤﺰﺩ ﺧﻮﺩ ﺭﺍ ﻣﻲﮔﻴﺮﻧﺪ ﻭ ﻣﻲﺩﺍﻧﻨـﺪ‬ ‫ﻛﻪ ﺧﺎﻧﻮﺍﺩﻩﺷﺎﻥ ﺩﺭ ﻓﺸﺎﺭ ﻣﺎﻟﻲ ﺩﺳﺖ ﻭ ﭘﺎ ﻣﻲ ﺯﻧﺪ‪ .‬ﺩﺭ ﺍﻧﺘﻈﺎﺭ ﺍﻓﺰﺍﻳﺶ ﺩﺳﺘﻤﺰﺩ ﻣﻲﻣﺎﻧﻨﺪ ﻭ ﮔﻤﺎﻥ ﻣﻲ ﻛﻨﻨﺪ ﻛـﻪ‬ ‫ﭘﻮﻝ ﺑﻴﺸﺘﺮ ﻣﺸﻜﻞ ﺁﻧﺎﻥ ﺭﺍ ﺑﺮﻃﺮﻑ ﻣﻲﻛﻨﺪ‪ .‬ﺑﺮﺧﻲ ﻫﻢ ﺷﻐﻞ ﺩﻭﻣﻲ ﻣﻲﮔﻴﺮﻧﺪ ﻭ ﻳﻚ ﺩﺭﻳﺎﻓﺖ ﻣﺨﺘﺼﺮ ﺩﻳﮕﺮ‪.‬‬ ‫ﭼﺸﻢ ﺑﺮ ﻛﻒ ﺍﺗﺎﻕ ﺩﻭﺧﺘﻪ ﺭﻓﺘﻪ ﺭﻓﺘﻪ ﭘﻴﺎﻡ ﺁﻣﻮﺯﺷﻲ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺭﺍ ﺩﺭﻳﺎﻓﺖ ﻣﻲﻛﺮﺩﻡ‪ .‬ﻣـﻲﺗﻮﺍﻧﺴـﺘﻢ ﺍﺣﺴـﺎﺱ‬ ‫ﻛﻨﻢ ﻛﻪ ﻣﺰﻩ ﺯﻧﺪﮔﻲ ﻫﻤﻴﻦ ﺍﺳﺖ‪ .‬ﺍﺯ ﺍﻭ ﭘﺮﺳﻴﺪﻡ‪ :‬ﭘﺲ ﭼﻪ ﭼﻴﺰﻱ ﻣﺴﺌﻠﻪ ﺭﺍ ﺣﻞ ﻣﻲﻛﻨﺪ؟‬ ‫ﺩﺭ ﺣﺎﻟﻲﻛﻪ ﺑﻪﻧﺮﻣﻲ ﺑﺮ ﺳﺮﻡ ﺿﺮﺑﻪ ﻣﻲﺯﺩ ﮔﻔﺖ‪ :‬ﺍﻳﻦ‪ ،‬ﭼﻴﺰﻱ ﻛﻪ ﻣﻴﺎﻥ ﺩﻭ ﮔﻮﺵ ﺗﻮ ﺟﺎ ﺩﺍﺭﺩ‪.‬‬ ‫ﺍﻳﻨﺠﺎ ﺑﻮﺩ ﻛﻪ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺗﻔﺎﻭﺕ ﺧﻮﺩ ﺭﺍ ﺑﺎ ﻛﺎﺭﻛﻨﺎﻥﺍﺵ ﻭ ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭﻡ‪ ،‬ﺑﻪ ﻧﻤﺎﻳﺶ ﮔﺬﺍﺷﺖ‪) .‬ﭼﻴﺰﻱ ﻛﻪ ﺩﺳـﺖ‬ ‫ﺁﺧﺮ ﺍﻭ ﺭﺍ ﻳﻜﻲ ﺍﺯ ﺑﺰﺭﮒﺗﺮﻳﻦ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﻫﺎﻭﺍﻳﻲ ﺑﻮﺩ‪ ،‬ﺩﺭ ﺣﺎﻟﻲﻛﻪ ﺑﺎﺑﺎﻱ ﺑﺴﻴﺎﺭ ﺩﺭﺱﺧﻮﺍﻧﺪﻩ ﻭ ﻧﺎﺩﺍﺭﻡ ﻫـﻢﭼﻨـﺎﻥ‬ ‫ﺑﺎ ﺩﺷﻮﺍﺭﻱﻫﺎﻱ ﻣﺎﻟﻲ ﺩﺭﮔﻴﺮ ﺑﻮﺩ‪ (.‬ﺗﻔﺎﻭﺕ ﺧﻴﻠﻲ ﺳﺎﻩ ﺍﺳﺖ‪ .‬ﺑﺎﺑـﺎﻱ ﺩﺍﺭﺍ ﭘﻴﻮﺳـﺘﻪ ﺍﻳـﻦ ﺩﻳـﺪﮔﺎﻩ ﺳـﺎﺩﻩ ﺭﺍ ﺗﻜـﺮﺍﺭ‬ ‫ﻣﻲﻛﺮﺩ )ﭼﻴﺰﻱ ﻛﻪ ﻣﻦ ﺁﻥ ﺭﺍ ﺩﺭﺱ ﺷﻤﺎﺭﻩ ‪ ١٠‬ﻣﻲﻧﺎﻣﻢ(‪.‬‬ ‫ﻧﺎﺩﺍﺭﺍﻥ ﻭ ﻃﺒﻘﻪ ﻣﻴﺎﻧﻲ ﺑﺮﺍﻱ ﭘﻮﻝ ﻛﺎﺭ ﻣﻲﻛﻨﻨﺪ‪ ،‬ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺗﺮﺗﻴﺒﻲ ﻣﻲﺩﻫﻨﺪ ﺗﺎ ﭘﻮﻝ ﺑﺮﺍﻳﺸﺎﻥ ﻛﺎﺭ ﻛﻨـﺪ‪ .‬ﺑﺎﺑـﺎﻱ‬ ‫ﺑﺴﻴﺎﺭ ﺩﺭﺱﺧﻮﺍﻧﺪﻩ ﺗﻮﺻﻴﻪ ﻣﻲﻛﺮﺩ “ﺳﺨﺖ ﺩﺭﺱ ﺑﺨﻮﺍﻧﻢ‪ ،‬ﻧﻤﺮﻩﻫﺎﻱ ﺧﻮﺏ ﺑﮕﻴﺮﻡ ﺗﺎ ﺑﺘـﻮﺍﻧﻢ ﺩﺭ ﻳـﻚ ﺷـﺮﻛﺖ‬ ‫ﺑﺰﺭﮒ ﺷﻐﻠﻲ ﻣﻄﻤﺌﻦ ﻭ ﺗﻀﻤﻴﻦﺷﺪﻩ ﺑﺎ ﻣﺰﺍﻳﺎﻱ ﻋﺎﻟﻲ ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﻡ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺍﺯ ﻣـﻦ ﻣـﻲﺧﻮﺍﺳـﺖ ﺗـﺎ ﺭﻣـﺰ‬ ‫ﻛﺎﺭﻛﺮﺩ ﭘﻮﻝ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻡ ﻭ ﺁﻥ ﺭﺍ ﺑﻪ ﺧﺪﻣﺖ ﺑﮕﻴﺮﻡ‪ .‬ﺍﻳﻦﮔﻮﻧﻪ ﺩﺭﺱﻫﺎ ﺭﺍ ﺑﺎ ﺭﺍﻫﻨﻤـﺎﻳﻲ ﺍﻭ ﺩﺭ ﺧـﻼﻝ ﺯﻧـﺪﮔﻲ )ﻧـﻪ‬ ‫ﻛﻼﺱ ﺩﺭﺱ( ﻳﺎﺩ ﮔﺮﻓﺘﻢ‪ .‬ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺑﺮﺍﻱ ﭘﻮﻝ ﻛﺎﺭ ﻧﻤﻲﻛﻨﻨﺪ‪.‬‬ ‫ﺩﻭﺭﻱ ﮔﺰﻳﺪﻥ ﺍﺯ ﻳﻜﻲ ﺍﺯ ﺑﺰﺭﮒﺗﺮﻳﻦ ﺩﺍﻡﻫﺎﻱ ﺯﻧﺪﮔﻲ‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻣﻲﮔﻔﺖ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺭﺍ ﻣﻲ ﺗﻮﺍﻥ ﺑﺎ ﻳﻚ ﺑﻬﺎ ﺧﺮﻳﺪ‪ .‬ﻫﺮﻛﺪﺍﻡ ﺍﺯ ﺁﻧﺎﻥ ﺑﻬﺎﻳﻲ ﺩﺍﺭﻧﺪ ﻛﻪ ﺑﺮﺧﺎﺳـﺘﻪ ﺍﺯ‬ ‫ﻣﻴﺰﺍﻥ ﺗﺮﺱ ﻭ ﺁﺯﺷﺎﻥ ﺍﺳﺖ‪ .‬ﻧﺨﺴﺖ‪ ،‬ﺗﺮﺱ ﺍﺯ ﺑﻲﭘﻮﻝ ﺷﺪﻥ ﺁﻧﺎﻥ ﺭﺍ ﺑﻪ ﺳﺨﺖﻛﻮﺷﻲ ﺑﺮﻣﻲﺍﻧﮕﻴﺰﺩ ﻭ ﻫﻨﮕﺎﻣﻲﻛﻪ‬ ‫ﭼﻚ ﺩﺳﺘﻤﺰﺩ ﺧﻮﺩ ﺭﺍ ﮔﺮﻓﺘﻨﺪ‪ ،‬ﺁﺯﻣﻨﺪﻱ ﻳﺎ ﺁﺭﺯﻭﻫﺎ ﺳﺮﺑﺮﻣﻲﺩﺍﺭﺩ ﻭ ﺑﻪ ﻓﻜﺮ ﭼﻴﺰﻫﺎﻱ ﺩﻟﭙﺬﻳﺮﻱ ﻣﻲﺍﻓﺘﻨﺪ ﻛﻪ ﭘـﻮﻝ‬ ‫ﻣﻲﺗﻮﺍﻧﺪ ﺑﺨﺮﺩ‪ .‬ﺑﺪﻳﻦﮔﻮﻧﻪ ﺍﺳﺖ ﻛﻪ ﺍﻟﮕﻮﻱ ﺯﻧﺪﮔﻲ ﺷﻜﻞ ﻣﻲﮔﻴﺮﺩ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ ﭼﻪ ﺍﻟﮕﻮﻳﻲ؟‬ ‫ـ ﺍﻟﮕﻮﻱ ﺍﺯ ﺧﻮﺍﺏ ﺑﺮﺧﺎﺳﺘﻦ‪ ،‬ﺭﻓﺘﻦ ﺑﻪ ﺳﺮ ﻛﺎﺭ‪ ،‬ﭘﺮﺩﺍﺧﺘﻦ ﺻﻮﺭﺗﺤﺴﺎﺏﻫﺎ ﻭ ﺗﻜﺮﺍﺭ ﺑﺮﺧﺎﺳﺘﻦ‪ ،‬ﺑﻪ ﺳﺮ ﻛﺎﺭ ﺭﻓﺘﻦ‪،‬‬ ‫ﭘﺮﺩﺍﺧﺖ ﺻﻮﺭﺗﺤﺴﺎﺏﻫﺎ … ﺍﺯ ﺁﻥ ﭘﺲ‪ ،‬ﺯﻧﺪﮔﻲ ﺭﺍ ﺗﻨﻬﺎ ﺍﻭ ﺍﺣﺴﺎﺱ ﻫﺪﺍﻳﺖ ﻣﻲﻛﻨﺪ‪ :‬ﺗﺮﺱ ﻭ ﺁﺯ‪ .‬ﺑـﻪ ﺁﻧـﺎﻥ ﭘـﻮﻝ‬ ‫ﺑﻴﺸﺘﺮ ﺑﺪﻫﻴﺪ‪ ،‬ﺑﻪ ﻫﺰﻳﻨﻪ ﻛﺮﺩﻥﻫﺎ ﻣﻲﺍﻓﺰﺍﻳﻨﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﮔﻔﺖ ﺩﺭ ﻧﻬﺎﻳﺖ ﻫﻤﻪ ﻣﺎ ﻣﺴﺘﺨﺪﻡ ﻫﺴﺘﻴﻢ‪ .‬ﺗﻨﻬﺎ ﺩﺭ ﺳﻄﺢﻫﺎﻱ ﻣﺘﻔﺎﻭﺗﻲ ﻛﺎﺭ ﻣﻲﻛﻨﻴﻢ‪ .‬ﻣـﻦ ﺍﺯ ﺷـﻤﺎ‬ ‫ﻣﻲﺧﻮﺍﻫﻢ ﻛﻪ ﺍﺯ ﺁﻥ ﺩﺍﻡ ﺑﭙﺮﻫﻴﺰﻳﺪ‪ .‬ﺩﺍﻣﻲ ﻛﻪ ﺁﻓﺮﻳﺪﻩ ﺍﺣﺴﺎﺱ ﺗﺮﺱ ﻭ ﺁﺭﺯﻭﻱ ﻣﺎﺳﺖ‪ .‬ﺍﻳﻨﻬﺎ ﺭﺍ ﺑﻪ ﺳﻮﺩ )ﻧﻪ ﺯﻳﺎﻥ‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﺧﻮﺩ( ﺑﻪ ﻛﺎﺭ ﺑﮕﻴﺮﻳﺪ‪ .‬ﺍﻳﻦ ﺍﺳﺖ ﺁﻧﭽﻪ ﻣﻲﺧﻮﺍﻫﻢ ﺑﻪ ﺷﻤﺎ ﺑﻴﺎﻣﻮﺯﻡ‪ .‬ﺍﮔﺮ ﺩﺭ ﺳﺎﻳﻪ ﺍﺣﺴﺎﺳﺎﺕ ﺑﻪ ﺑـﺎﻻﺗﺮﻳﻦ ﺩﺭﺁﻣـﺪ‬ ‫ﻫﻢ ﺑﺮﺳﻴﺪ ﻫﻢﭼﻨﺎﻥ ﺑﺮﺩﻩ ﻫﺴﺘﻴﺪ‪ .‬ﺑﺮﺩﻩﺍﻱ ﺑﺎ ﺩﺳﺘﻤﺰﺩ ﺑﺎﻻ‪.‬‬ ‫ﭘﺮﺳﻴﺪﻡ ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻧﻴﻢ ﺍﺯ ﺍﻳﻦ ﺩﺍﻡ ﺑﮕﺮﻳﺰﻳﻢ؟‬ ‫ـ ﺩﻟﻴﻞ ﺍﺻﻠﻲ ﻧﺎﺩﺍﺭﻱ ﻳﺎ ﺭﻭﻳﺎﺭﻭﻳﻲ ﺑﺎ ﻣﺸﻜﻼﺕ ﻣﺎﻟﻲ‪ ،‬ﺗﺮﺱ ﻭ ﻧﺎﺩﺍﻧﻲ ﺍﺳﺖ ﻧﻪ ﺍﻗﺘﺼﺎﺩ‪ ،‬ﺩﻭﻟﺖ‪ ،‬ﻳـﺎ ﺛﺮﻭﺗﻤﻨـﺪﺍﻥ‪.‬‬ ‫ﺗﺮﺱ ﺩﺭﻭﻧﻲ ﻭ ﻧﺎﺩﺍﻧﻲ ﺍﻧﺴﺎﻥ ﺭﺍ ﺩﺭ ﺩﺍﻡ ﺍﺳﻴﺮ ﻣﻲﻛﻨﺪ‪ .‬ﭘﺲ ﺷﻤﺎ ﺩﺭﺱ ﺑﺨﻮﺍﻧﻴﺪ ﻭ ﺩﺍﻧﺸﮕﺎﻩ ﺭﺍ ﻫﻢ ﺗﻤﺎﻡ ﻛﻨﻴﺪ‪ .‬ﻣﻦ‬ ‫ﻫﻢ ﻳﺎﺩﺗﺎﻥ ﻣﻲﺩﻫﻢ ﻛﻪ ﭼﮕﻮﻧﻪ ﺑﻴﺮﻭﻥ ﺍﺯ ﺩﺍﻡ ﺑﻤﺎﻧﻴﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺗﻮﺿﻴﺢ ﺩﺍﺩ ﻛﻪ ﺯﻧﺪﮔﻲ ﺍﻧﺴﺎﻥ ﻛﻮﺷﺶ ﻭ ﺩﺳﺖ ﻭ ﭘﺎ ﺯﺩﻧﻲ ﺍﺳﺖ ﻣﻴﺎﻥ ﻧﺎﺩﺍﻧﻲ ﻭ ﺁﮔﺎﻫﻲ ﮔﺴـﺘﺮﺩﻩ‪.‬‬ ‫ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﺍﻧﺴﺎﻥ ﺍﺯ ﺟﺴﺘﺠﻮﻱ ﺍﻃﻼﻋﺎﺕ ﻭ ﺩﺍﻧﺶ ﺧﻮﺩﺷﻨﺎﺳﻲ ﺑﺎﺯﺍﻳﺴﺘﺪ‪ ،‬ﺑﻪ ﻧﺎﺩﺍﻧﻲ ﻣﻴﺪﺍﻥ ﺩﺍﺩﻩ ﺍﺳـﺖ‪ .‬ﻟﺤﻈـﻪ‬ ‫ﺑﻪ ﻟﺤﻈﻪ ﺑﺎ ﺍﻳﻦ ﻛﻮﺷﺶ ﺩﺭﮔﻴﺮﻳﻢ ﻛﻪ ﺑﻴﺎﻣﻮﺯﻳﻢ ﺗﺎ ﭼﺸﻢ ﺩﻝ ﺭﺍ ﺑﺎﺯ ﻛﻨﻴﻢ ﻳﺎ ﺑﺒﻨﺪﻳﻢ‪.‬‬ ‫ﺩﻳﺪﻥ ﺁﻧﭽﻪ ﺩﻳﮕﺮﺍﻥ ﻧﻤﻲﺑﻴﻨﻨﺪ‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻣﻲﮔﻔﺖ‪ :‬ﺑﻪ ﻛﺎﺭ ﺍﺩﺍﻣﻪ ﺩﻫﻴﺪ‪ ،‬ﻫﺮﭼﻪ ﺯﻭﺩﺗﺮ ﺍﺯ ﺍﻧﺪﻳﺸﻪ ﻧﻴﺎﺯ ﺑﻪ ﭼﻚ ﻭ ﺩﺳﺘﻤﺰﺩ ﺭﻫﺎ ﺷـﻮﻳﺪ‪ ،‬ﺯﻧـﺪﮔﻲ‬ ‫ﺑﺰﺭﮔﺴﺎﻟﻲ ﺷﻤﺎ ﺁﺳﺎﻥﺗﺮ ﺧﻮﺍﻫﺪ ﺷﺪ‪ .‬ﻣﻐﺰ ﺧﻮﺩ ﺭﺍ ﺑﻪ ﻛﺎﺭ ﺑﻴﻨﺪﺍﺯﻳﺪ ﻭ ﺑﻲﻣﺰﺩ ﻛﺎﺭ ﻛﻨﻴﺪ‪ .‬ﺭﻭﺯﻱ ﺧﻮﺍﻫﺪ ﺭﺳﻴﺪ ﻛـﻪ‬ ‫ﺭﺍﻫﻲ ﭘﻴﺪﺍ ﻛﻨﻴﺪ ﺑﺎ ﺩﺭﺁﻣﺪﻱ ﺑﺴﻲ ﺑﻴﺸﺘﺮ ﺍﺯ ﺁﻧﭽﻪ ﻣﻦ ﺑﺘﻮﺍﻧﻢ ﺑﻪ ﺷﻤﺎ ﺑﺪﻫﻢ‪ .‬ﭼﻴﺰﻫﺎﻳﻲ ﺧﻮﺍﻫﻴﺪ ﺩﻳﺪ ﻛـﻪ ﺩﻳﮕـﺮﺍﻥ‬ ‫ﻧﻤﻲﺑﻴﻨﻨﺪ‪ .‬ﻓﺮﺻﺖﻫﺎﻳﻲ ﻛﻪ ﺩﺭﺳﺖ ﭘﻴﺶ ﭼﺸﻢﺗﺎﻥ ﺍﺳﺖ‪ .‬ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﻫﺮﮔﺰ ﺍﻳﻦ ﻓﺮﺻﺖﻫﺎ ﺭﺍ ﻧﻤﻲﺑﻴﻨﻨـﺪ‪،‬‬ ‫ﺯﻳﺮﺍ ﺗﻨﻬﺎ ﺑﻪ ﺩﻧﺒﺎﻝ ﭘﻮﻝ ﻭ ﺍﻳﻤﻨﻲ ﻫﺴﺘﻨﺪ‪ ،‬ﭘﺲ ﺑﻪ ﻫﻤﻴﻦﻫﺎ ﻣﻲﺭﺳﻨﺪ‪ .‬ﻫﺮﮔﺎﻩ ﻛـﻪ ﻳـﻚ ﻓﺮﺻـﺖ ﺭﺍ ﺷـﻨﺎﺧﺘﻴﺪ‪ ،‬ﺩﺭ‬ ‫ﺳﺮﺍﺳﺮ ﺯﻧﺪﮔﻲ ﺁﻥ ﺭﺍ ﺧﻮﺍﻫﻴﺪ ﺷﻨﺎﺧﺖ‪ .‬ﺍﻳﻦ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳﺪ ﻭ ﺧﻮﺩ ﺭﺍ ﺍﺯ ﺑﺰﺭﮒﺗﺮﻳﻦ ﺩﺍﻡ ﺯﻧﺪﮔﻲ ﺭﻫﺎ ﻛﻨﻴـﺪ‪ ،‬ﺩﻳﮕـﺮ‬ ‫ﻫﺮﮔﺰ ﺑﻪ ﺍﻳﻦ ﺩﺍﻡ ﻧﺨﻮﺍﻫﻴﺪ ﺍﻓﺘﺎﺩ‪.‬‬ ‫ﺍﻳﻦ ﻧﻜﺘﻪﻫﺎ ﺑﺎﻋﺚ ﺷﺪ ﻣﺎ ﻳﻚ ﻣﺸﺎﺭﻛﺖ ﺩﻳﮕﺮﻱ ﺑﻪ ﺭﺍﻩ ﺍﻧﺪﺍﺯﻳﻢ‪ .‬ﻣﺎﻣـﺎﻥ ﻣـﺎ ﺯﻳﺮﺯﻣﻴﻨـﻲ ﺩﺍﺷـﺖ ﻛـﻪ ﺑـﺪﻭﻥ‬ ‫ﺍﺳﺘﻔﺎﺩﻩ ﻣﺎﻧﺪﻩ ﺑﻮﺩ‪ .‬ﺁﻧﺠﺎ ﺭﺍ ﺗﻤﻴﺰ ﻛﺮﺩﻳﻢ ﻭ ﺻﺪﻫﺎ ﻛﺘﺎﺏ ﻧﻘﺎﺷﻲ ﺧﻨﺪﻩﺁﻭﺭ‪ ،‬ﻛﻪ ﺗﺎﺭﻳﺦ ﺁﻥ ﮔﺬﺷـﺘﻪ ﻭ ﻧﻴﻤـﻪ ﺟﻠـﺪ‬ ‫ﻫﺮﻛﺪﺍﻡ ﺭﺍ ﻗﺒﻼﹰ ﭘﺎﺭﻩ ﻛﺮﺩﻩ ﺑﻮﺩﻧﺪ ﻭ ﻇﺎﻫﺮﺍﹰ ﺍﺭﺯﺷﻲ ﻧﺪﺍﺷﺖ‪ ،‬ﮔﺮﺩﺁﻭﺭﻱ ﻛﺮﺩﻳﻢ‪ .‬ﻛﺘﺎﺑﺨﺎﻧﻪﺍﻱ ﺑﺮﭘﺎ ﻛﺮﺩﻳﻢ ﻭ ﺧﻮﺍﻫﺮ‬ ‫ﻛﻮﭼﻚﺗﺮ ﻣﺎﻳﻚ ﺭﺍ ﻛﻪ ﻋﺎﺷﻖ ﻣﻄﺎﻟﻌﻪ ﺑﻮﺩ ﺑﻪ ﻛﺘﺎﺑﺪﺍﺭﻱ ﮔﻤﺎﺷﺘﻴﻢ‪ .‬ﻛﺘﺎﺑﺨﺎﻧﻪ ﺍﺯ ﺳﺎﻋﺖ ‪ ١٤/٣٠‬ﺗﺎ ‪ ١٦/٣٠‬ﺑﺎﺯ ﺑﻮﺩ ﻭ ﺍﺯ‬ ‫ﻫﺮ ﺑﻪ ‪ ١٠‬ﺳﻨﺖ ﻭﺭﻭﺩﻱ ﻣﻲﮔﺮﻓﺖ‪ .‬ﺭﻓﺘﻪ ﺭﻓﺘﻪ ﻫﻤﻪ ﺑﭽﻪﻫﺎﻱ ﻣﻨﻄﻘﻪ ﻣﺸﺘﺮﻱ ﻛﺘﺎﺑﺨﺎﻧﻪ ﻣـﺎ ﺷـﺪﻧﺪ‪ .‬ﺑـﺮﺍﻱ ﺁﻧـﺎﻥ‬ ‫ﺩﺍﺩﻭﺳﺘﺪ ﺧﻮﺑﻲ ﺑﻮﺩ‪ .‬ﺩﺭ ﻓﺎﺻﻠﻪ ﺩﻭ ﺳﺎﻋﺖ ﭘﺲ ﺍﺯ ﻣﺪﺭﺳﻪ‪ ،‬ﻣﻲﺗﻮﺍﻧﺴﺘﻨﺪ ﭘﻨﺞ ـ ﺷﺶ ﻛﺘﺎﺏ ﺧﻨﺪﻩﺩﺍﺭ ﺑﺨﻮﺍﻧﻨﺪ ﻭ‬ ‫ﺗﻨﻬﺎ ‪ ١٠‬ﺳﻨﺖ ﺑﭙﺮﺩﺍﺯﻧﺪ‪ ،‬ﺩﺭ ﺣﺎﻟﻲﻛﻪ ﺍﮔﺮ ﻣﻲﺧﻮﺍﺳﺘﻨﺪ ﻛﺘﺎﺏﻫﺎ ﺭﺍ ﺑﺨﺮﻧﺪ‪ ،‬ﻣﻲﺑﺎﻳﺴﺖ ﺩﺭ ﺑﺮﺍﺑﺮ ﻫﺮ ﺟﻠـﺪ ‪ ١٠‬ﺳـﻨﺖ‬ ‫ﺑﺪﻫﻨﺪ‪.‬‬ ‫ﺧﻮﺍﻫﺮ ﻣﺎﻳﻚ ﻛﺎﺭ ﺛﺒﺖ ﻧﺎﻡ ﺭﻭﺯﺍﻧﻪ ﻣﺸﺘﺮﻳﺎﻥ‪ ،‬ﻣﻘﺪﺍﺭ ﭘﻮﻟﻲ ﻛﻪ ﺩﺍﺩﻩ ﺑﻮﺩﻧﺪ ﻭ ﻣﻮﺍﻇﺒﺖ ﺍﺯ ﻛﺘﺎﺏﻫﺎ ﺭﺍ ﺑـﻪﺧـﻮﺑﻲ‬ ‫ﺍﻧﺠﺎﻡ ﻣﻲﺩﺍﺩ‪ .‬ﻣﻴﺎﻧﮕﻴﻦ ﺩﺭﺁﻣﺪ ﻣﺎﻳﻚ ﻭ ﻣﻦ ﻫﻔﺘﻪﺍﻱ ‪ ٩/٥‬ﺩﻻﺭ ﺑﻮﺩ‪ .‬ﻧﻔﺮﻱ ﻳﻚ ﺩﻻﺭ ﺑﻪ ﻛﺘﺎﺑﺪﺍﺭ ﻣﻲﺩﺍﺩﻳﻢ ﻭ ﺍﺟـﺎﺯﻩ‬ ‫ﺩﺍﺷﺖ ﻛﻪ ﻫﺮﭼﻪ ﻣﻲﺧﻮﺍﻫﺪ ﻛﺘﺎﺏ ﺑﺨﻮﺍﻧﺪ‪ .‬ﻛﻮﺷﺶ ﻛﺮﺩﻳﻢ ﻛﻪ ﺷﻌﺒﻪ ﺩﻳﮕﺮﻱ ﻫﻢ ﺑﺮﭘﺎ ﻛﻨﻴﻢ ﻭﻟﻲ ﻫﻴﭻﮔﺎﻩ ﻛﺴـﻲ‬ ‫ﺑﻪ ﺍﻣﺎﻧﺘﺪﺍﺭﻱ ﻭ ﺳﺨﺖﻛﻮﺷﻲ ﺧﻮﺍﻫﺮ ﻣﺎﻳﻚ ﻧﻴﺎﻓﺘﻴﻢ‪ .‬ﺍﺯ ﺁﻥ ﺯﻣﺎﻥ ﺩﺭﻳﺎﻓﺘﻴﻢ ﻛﻪ ﭘﻴﺪﺍﻛﺮﺩﻥ ﻛﺎﺭﻣﻨﺪ ﺷﺎﻳﺴﺘﻪ ﭼﻘـﺪﺭ‬ ‫ﺩﺷﻮﺍﺭ ﺍﺳﺖ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺧﻴﻠﻲ ﺧﻮﺷﺤﺎﻝ ﺑﻮﺩ‪ .‬ﺍﻳﻨﻚ ﭼﻴﺰﻫﺎﻱ ﺩﻳﮕﺮﻱ ﺩﺍﺷﺖ ﻛﻪ ﺑﻪ ﻣﺎ ﺑﻴﺎﻣﻮﺯﺩ‪ .‬ﺍﻭ ﺍﺯ ﺍﻳﻨﻜﻪ ﻣﺎ ﺩﺭﺱ ﻧﺨﺴـﺖ‬ ‫ﺭﺍ ﺧﻮﺏ ﺁﻣﻮﺧﺘﻪ ﺑﻮﺩﻳﻢ ﺑﺴﻴﺎﺭ ﺧﺸﻨﻮﺩ ﺑﻮﺩ‪ .‬ﺑﺎ ﺩﺳﺘﻤﺰﺩ ﻧﮕﺮﻓﺘﻦ ﻧﺎﭼﺎﺭ ﺷﺪﻳﻢ ﺗﺎ ﻣﻐﺰ ﺧﻮﺩ ﺭﺍ ﺩﺭ ﭘﻲ ﻳﺎﻓﺘﻦ ﻓﺮﺻﺘﻲ‬ ‫ﺑﺮﺍﻱ ﭘﻮﻝ ﺳﺎﺧﺘﻦ ﺑﻪ ﻛﺎﺭ ﺍﻧﺪﺍﺯﻳﻢ‪ .‬ﺑﺎ ﺑﻪ ﺭﺍﻩ ﺍﻧﺪﺍﺧﺘﻦ ﻛﺘﺎﺑﺨﺎﻧﻪ‪ ،‬ﺍﻣﻮﺭ ﻣﺎﻟﻲ ﺭﺍ ﺩﺭ ﺩﺳﺖ ﻭ ﻣﻬﺎﺭ ﺧﻮﺩ ﺩﺍﺷـﺘﻴﻢ ﻭ ﺑـﻪ‬

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‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﻛﺎﺭﻓﺮﻣﺎﻳﻲ ﻣﺘﻜﻲ ﻧﺒﻮﺩﻳﻢ‪ .‬ﺟﺎﻟﺐﺗﺮﻳﻦ ﺑﺨﺶ ﺁﻥ ﺑﻮﺩ ﻛﻪ ﻛﺴﺐﻭﻛﺎﺭﻣﺎﻥ ﭘـﻮﻝ ﺩﺭﻣـﻲﺁﻭﺭﺩ‪ ،‬ﺣﺘـﻲ ﻫﻨﮕـﺎﻣﻲ ﻛـﻪ‬ ‫ﺧﻮﺩﻣﺎﻥ ﺣﻀﻮﺭ ﻧﺪﺍﺷﺘﻴﻢ‪ ،‬ﭘﻮﻝ ﺑﺮﺍﻳﻤﺎﻥ ﻛﺎﺭ ﻣﻲﻛﺮﺩ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﻪ ﺟﺎﻱ ﻣﺰﺩ ﺩﺍﺩﻥ‪ ،‬ﺁﻧﻬﻤﻪ ﭘﻮﻝ ﺑﻪ ﻣﺎ ﺭﺳﺎﻧﺪ‪.‬‬

‫ﺑﺨﺶ ﺳﻮﻡ‬

‫ﺩﺭﺱ ‪ -٢‬ﭼﺮﺍ ﺳﻮﺍﺩ ﻣﺎﻟﻲ ﺿﺮﻭﺭﻱ ﺍﺳﺖ؟‬ ‫ﺑﻬﺘﺮﻳﻦ ﺩﻭﺳﺘﻢ‪ ،‬ﻣﺎﻳﻚ‪ ،‬ﺩﺭ ﺳﺎﻝ ‪ ١٩٩٠‬ﺍﻣﭙﺮﺍﺗﻮﺭﻱ ﭘﺪﺭﺵ ﺭﺍ ﺗﺤﻮﻳﻞ ﮔﺮﻓﺖ‪ .‬ﺑﻪﺭﺍﺳﺘﻲ ﻛﻪ ﻛﺎﺭﻫﺎ ﺭﺍ ﺑﻬﺘﺮ ﺍﺯ ﭘﺪﺭﺵ‬ ‫ﺍﻧﺠﺎﻡ ﻣﻲﺩﻫﺪ‪ .‬ﺍﻭ ﻭ ﻫﻤﺴﺮﺵ ﺛﺮﻭﺗﻲ ﺩﺍﺭﻧﺪ ﻛﻪ ﻧﻤﻲﺗﻮﺍﻧﻴﺪ ﻣﻘﺪﺍﺭ ﺁﻥ ﺭﺍ ﺗﺼﻮﺭ ﻛﻨﻴﺪ‪ .‬ﺍﻣﭙﺮﺍﺗﻮﺭﻱ ﭘﺪﺭ ﺍﻛﻨـﻮﻥ ﺩﺭ‬ ‫ﺍﺧﺘﻴﺎﺭ ﺍﻭﺳﺖ ﻭ ﻣﺎﻳﻚ ﺩﺭ ﺣﺎﻝ ﭘﺮﻭﺭﺵ ﭘﺴﺮﺵ ﺍﺳﺖ ﺗﺎ ﺟﺎﻱ ﺍﻭ ﺭﺍ ﺑﮕﻴﺮﺩ‪ ،‬ﻫﻤﺎﻥﮔﻮﻧﻪ ﻛﻪ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻣﺎ ﺭﺍ ﭘﺮﻭﺭﺵ‬ ‫ﺩﺍﺩ‪.‬‬ ‫ﺩﺭ ﺳﺎﻝ ‪ ١٩٩٤‬ﻫﻨﮕﺎﻣﻲ ﻛﻪ ‪ ٤٧‬ﺳﺎﻝ ﺩﺍﺷﺘﻢ‪ ،‬ﺑﺎﺯﻧﺸﺴﺘﻪ ﺷﺪﻡ‪ .‬ﻫﻤﺴﺮﻡ ﻛﻴﻢ ‪ ٣٧‬ﺳﺎﻝ ﺩﺍﺷﺖ‪ .‬ﺑﺎﺯﻧﺸﺴﺘﮕﻲ ﺩﺭ‬ ‫ﺍﻳﻦ ﺳﻦ ﺑﻪ ﻣﻌﻨﺎﻱ ﻛﺎﺭ ﻧﻜﺮﺩﻥ ﻧﻴﺴﺖ‪ ،‬ﺳﺪ ﺑﺴﺘﻦ ﺩﺭ ﺑﺮﺍﺑﺮ ﺩﮔﺮﮔﻮﻧﻲﻫﺎﻱ ﺑﺰﺭﮒ ﻭ ﭘﻴﺶﺑﻴﻨﻲ ﻧﺸﺪﻩ ﺍﺳﺖ‪ .‬ﭼـﻪ‬ ‫ﻛﺎﺭ ﻛﻨﻴﻢ ﻳﺎ ﻧﻜﻨﻴﻢ‪ ،‬ﺛﺮﻭﺕ ﻣﺎ ﭘﻴﻮﺳﺘﻪ ﺑﻪ ﮔﻮﻧﻪﺍﻱ ﺭﺷﺪ ﻣﻲﻛﻨﺪ ﻛﻪ ﺑﺴﻲ ﺑﻴﺸﺘﺮ ﺍﺯ ﺗﻮﺭﻡ ﺍﺳـﺖ‪ .‬ﺍﺯ ﺩﻳـﺪ ﻣـﻦ ﺍﻳـﻦ‬ ‫ﻭﺿﻌﻴﺖ ﺭﺍ ﺑﺎﻳﺪ ﺁﺯﺍﺩﻱ ﻧﺎﻣﻴﺪ‪ .‬ﺩﺍﺭﺍﻳﻲ ﻫﺎﻱ ﻣﺎ ﺁﻥﭼﻨﺎﻥ ﺯﻳﺎﺩﻧﺪ ﻛﻪ ﺑﻪ ﺻﻮﺭﺕ ﺧﻮﺩﻛﺎﺭ ﺍﻓﺰﺍﻳﺶ ﻣﻲﻳﺎﺑﻨـﺪ‪ .‬ﻣﺎﻧﻨـﺪ‬ ‫ﺩﺭﺧﺘﻲ ﺍﺳﺖ ﻛﻪ ﻣﻲﻛﺎﺭﻳﻢ‪ .‬ﺳﺎﻝﻫﺎ ﺑﻪ ﺁﻥ ﺁﺏ ﻣﻲﺩﻫﻴﻢ‪ ،‬ﻭﻟﻲ ﺭﻭﺯﻱ ﻣﻲﺭﺳﺪ ﻛﻪ ﺩﻳﮕـﺮ ﺑـﻪ ﺷـﻤﺎ ﻧﻴـﺎﺯ ﻧـﺪﺍﺭﺩ‪.‬‬ ‫ﺭﻳﺸﻪﻫﺎﻳﺶ ﺑﻪﺧﻮﺑﻲ ﺩﺭ ﺯﻣﻴﻦ ﻓﺮﻭ ﺭﻓﺘﻪ ﺍﺳﺖ‪ .‬ﺩﺭﺧﺖ ﺩﻳﮕﺮ ﺍﺯ ﺷﻤﺎ ﺑﻲﻧﻴﺎﺯ ﻣﻲﺷﻮﺩ ﻭ ﺗﻨﻬﺎ ﺳﺎﻳﻪﺍﻱ ﺁﺭﺍﻡﺑﺨـﺶ‬ ‫ﺑﺮ ﺳﺮﺗﺎﻥ ﻣﻲﺍﻓﻜﻨﺪ‪.‬‬ ‫ﻣﺎﻳﻚ ﺍﻣﭙﺮﺍﺗﻮﺭﻱ ﺭﺍ ﺑﻪ ﺩﺳﺖ ﮔﺮﻓﺖ ﻭ ﻣﻦ ﺑﺎﺯﻧﺸﺴﺘﮕﻲ ﺭﺍ ﺑﺮﮔﺰﻳﺪﻡ‪.‬‬ ‫ﺍﻣﺮﻭﺯﻩ ﻣﺎ ﺩﺭ ﺷﺮﺍﻳﻄﻲ ﻣﺘﻐﻴﺮﺗﺮ ﺍﺯ ﺩﻭﺭﺍﻥ ﮔﺬﺷﺘﻪ ﺯﻧﺪﮔﻲ ﻣﻲﻛﻨﻴﻢ‪ .‬ﺑﻪ ﮔﻤﺎﻧﻢ ﻓﺮﺍﺯ ﻭ ﻧﺸـﻴﺐﻫـﺎﻱ ‪ ٢٥‬ﺳـﺎﻝ‬ ‫ﺁﻳﻨﺪﻩ ﺩﺳﺖ ﻛﻢ ﻫﻢﺗﺮﺍﺯ ﺑﺎ ﺑﺎﻻ ﺭﻓﺘﻦ ﻭ ﭘﺎﻳﻴﻦ ﺁﻣﺪﻥﻫﺎﻳﻲ ﺍﺳﺖ ﻛﻪ ﺩﺭ ﮔﺬﺷﺘﻪ ﻭﺟﻮﺩ ﺩﺍﺷﺘﻪﺍﻧﺪ‪.‬‬ ‫ﻣﻦ ﺩﺭ ﺷﮕﻔﺘﻢ ﻛﻪ ﭼﺮﺍ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ‪ ،‬ﺳﺨﺖ ﺑﺮ ﭘﻮﻝﺷﺎﻥ ﺗﻮﺟﻪ ﻭ ﺗﻤﺮﻛﺰ ﺩﺍﺭﻧﺪ ﻭﻟـﻲ ﺑـﻪ ﭘـﺮﻭﺭﺵ ﺧـﻮﺩ‬ ‫ﻧﻤﻲﭘﺮﺩﺍﺯﻧﺪ‪ .‬ﺍﮔﺮ ﺍﻧﺴﺎﻥﻫﺎ ﺍﻧﻌﻄﺎﻑﭘﺬﻳﺮ‪ ،‬ﺑﺎ ﺍﻧﺪﻳﺸﻪ ﺑﺎﺯ‪ ،‬ﻭ ﺁﮔﺎﻩ ﺑﺎﺭﺁﻳﻨﺪ‪ ،‬ﺛـﺮﻭﺕﺷـﺎﻥ ﺩﺭ ﻧﺘﻴﺠـﻪ ﺩﮔﺮﮔـﻮﻧﻲﻫـﺎ‬ ‫ﭘﻴﻮﺳﺘﻪ ﺭﻭﺑﻪﺭﺷﺪ ﺧﻮﺍﻫﺪ ﺑﻮﺩ‪ .‬ﻭﻟﻲ ﺍﮔﺮ ﭘﻮﻝ ﺭﺍ ﺣﻼﻝ ﻣﺸﻜﻼﺕ ﺧﻮﺩ ﺑﺪﺍﻧﻨﺪ‪ ،‬ﺑﻪ ﮔﻤﺎﻧﻢ ﺭﺍﻫﻲ ﺩﺷـﻮﺍﺭ ﺭﺍ ﺩﺭﭘـﻴﺶ‬ ‫ﮔﺮﻓﺘﻪﺍﻧﺪ‪ .‬ﻫﻮﺷﻤﻨﺪﺍﻥ ﻣﺸﻜﻼﺕ ﺭﺍ ﺍﺯ ﭘﻴﺶ ﭘﺎ ﺑﺮﻣﻲﺩﺍﺭﻧﺪ ﻭ ﭘﻮﻝ ﻣـﻲﺳـﺎﺯﻧﺪ‪ .‬ﭘـﻮﻝ ﺑـﺪﻭﻥ ﻫﻮﺷـﻤﻨﺪﻱ ﻣـﺎﻟﻲ‬ ‫ﺑﻪﺯﻭﺩﻱ ﺍﺯ ﻛﻒ ﻣﻲﺭﻭﺩ‪ .‬ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺩﺭ ﺯﻧﺪﮔﻲ ﺧﻮﺩ ﺍﻳﻦ ﻧﻜﺘﻪ ﻣﻬﻢ ﺭﺍ ﻧﻤﻲﻓﻬﻤﻨﺪ ﻛﻪ ﻣﻘﺪﺍﺭ ﭘﻮﻝ ﺑﻪﺩﺳﺖ‬ ‫ﺁﻣﺪﻩ ﺍﻫﻤﻴﺖ ﻧﺪﺍﺭﺩ‪ ،‬ﻣﻘﺪﺍﺭﻱ ﻛﻪ ﻣﻲﻣﺎﻧﺪ ﻣﻬﻢ ﺍﺳﺖ‪ .‬ﺑﻨﺎﺑﺮﺍﻳﻦ ﻫﻨﮕﺎﻣﻲ ﻛـﻪ ﺍﺯ ﻣـﻦ ﻣـﻲﭘﺮﺳـﻨﺪ ﺍﺯ ﻛﺠـﺎ ﺁﻏـﺎﺯ‬ ‫ﻛﺮﺩﻩﺍﻡ‪ ،‬ﻳﺎ ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻥ ﺑﺎ ﺷﺘﺎﺏ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪ‪ ،‬ﺍﺯ ﭘﺎﺳﺨﻢ ﺳﺮﺧﻮﺭﺩﻩ ﻣﻲﺷﻮﻧﺪ‪ .‬ﺑـﻪ ﺁﻧـﺎﻥ ﻣـﻲﮔـﻮﻳﻢ‪ :‬ﺑﺎﺑـﺎﻱ‬ ‫ﺩﺍﺭﺍﻳﻢ ﺩﺭ ﻛﻮﺩﻛﻲ ﺑﻪ ﻣﻦ ﮔﻔﺖ ﺍﮔﺮﻣﻲﺧﻮﺍﻫﻲ ﺛﺮﻭﺗﻤﻨﺪ ﺷﻮﻱ‪ ،‬ﺑﺎﻳﺪ ﺩﺍﻧﺶ ﻣﺎﻟﻲ ﺑﻴﻨﺪﻭﺯﻱ‪ .‬ﺍﻳـﻦ ﺩﻳـﺪﮔﺎﻩ ﺭﺍ ﻫـﺮ‬ ‫ﻭﻗﺖ ﺩﻳﺪﺍﺭ ﻣﻲﻛﺮﺩﻳﻢ‪ ،‬ﭼﻮﻥ ﭘﺘﻚ ﺑﺮ ﻣﻐﺰﻡ ﻣﻲﻛﻮﺑﻴﺪ‪.‬‬

‫‪١٢‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺭﺱﺧﻮﺍﻧﺪﻩﺍﻡ ﺑﺮ ﺧﻮﺍﻧﺪﻥ ﻛﺘﺎﺏﻫﺎ ﺗﺄﻛﻴﺪ ﺩﺍﺷﺖ ﻭ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺍﺯ ﻣﻦ ﻣﻲﺧﻮﺍﺳﺖ ﺗـﺎ ﺩﺭ ﺯﻣﻴﻨـﻪ ﻣـﺎﻟﻲ‬ ‫ﺧﺒﺮﻩ ﺷﻮﻡ‪.‬‬ ‫ﻫﻢﭼﻨﺎﻥ ﻛﻪ ﺍﺯ ﺭﺍﻩ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱﻫﺎ‪ ،‬ﺍﻣﻜﺎﻥ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱﻫﺎﻱ ﺩﻭﺑﺎﺭﻩ ﻓﺮﺍﻫﻢ ﻣﻲﺁﻳﺪ‪ ،‬ﺩﻭﺭﻧﻤﺎﻱ ﺛﺮﻭﺗﻤﻨﺪﻱ‬ ‫ﻧﻴﺰ ﺁﺷﻜﺎﺭ ﻣﻲﮔﺮﺩﺩ‪ .‬ﺗﻌﺮﻳﻒ ﺭﺍﺳﺘﻴﻦ ﺛﺮﻭﺗﻤﻨﺪﻱ ﺭﺍ ﺑﺎﻳﺪ ﺍﺯ ﭼﺸﻢ ﺩﺍﺭﻧﺪﻩ ﺛﺮﻭﺕ ﻧﮕﺮﻳﺴـﺖ‪ .‬ﻣﻤﻜـﻦ ﺍﺳـﺖ ﻛـﻪ‬ ‫ﺍﻧﺴﺎﻥ ﺍﺯ ﺩﻳﺪ ﺧﻮﺩﺵ ﻫﻴﭻﮔﺎﻩ ﺑﺴﻴﺎﺭ ﺩﺍﺭﺍ ﺟﻠﻮﻩ ﻧﻜﻨﺪ‪.‬‬ ‫ﺗﻨﻬﺎ ﺑﺎﻳﺪ ﺍﻳﻦ ﻧﻜﺎﺕ ﻣﻬﻢ ﺭﺍ ﺑﻪ ﺧﺎﻃﺮ ﺩﺍﺷﺖ‪:‬‬ ‫ﺛﺮﻭﺗﻤﻨﺪﺍﻥ “ﺩﺍﺭﺍﻳﻲ” ﻣﻲﺧﺮﻧﺪ‪.‬‬ ‫ﻧﺎﺩﺍﺭﻫﺎ ﺗﻨﻬﺎ ﻫﺰﻳﻨﻪ ﺑﻪﺑﺎﺭ ﻣﻲﺁﻭﺭﻧﺪ‪.‬‬ ‫ﻃﺒﻘﻪ ﻣﻴﺎﻧﻲ ﺟﺎﻣﻌﻪ “ﺑﺪﻫﻲﻫﺎﻳﻲ” ﻣﻲﺧﺮﺩ ﻛﻪ ﮔﻤﺎﻥ ﻣﻲﻛﻨﺪ “ﺩﺍﺭﺍﻳﻲ” ﺍﺳﺖ‪.‬‬

‫ﺑﺨﺶ ﭼﻬﺎﺭﻡ‬

‫ﺑﻪ ﻛﺴﺐﻭ ﻛﺎﺭﻱ ﺑﺮﺍﻱ ﺧﻮﺩﺗﺎﻥ ﺑﻴﻨﺪﻳﺸﻴﺪ‬ ‫ﺩﺭ ﺳﺎﻝ ‪ ١٩٧٤‬ﺍﺯ ﺁﻗﺎﻱ ﺭﻱ ﻛـﺮﺍﻙ )‪ (Ray Kroc‬ﺩﺭﺧﻮﺍﺳـﺖ ﺷـﺪ ﺗـﺎ ﺑـﺮﺍﻱ ﺩﺍﻧﺸـﺠﻮﻳﺎﻥ ﻛﺎﺭﺷﻨﺎﺳـﻲ ﺍﺭﺷـﺪ‬ ‫ﻣﺪﻳﺮﻳﺖ ﺑﺎﺯﺭﮔﺎﻧﻲ ﺩﺍﻧﺸﮕﺎﻩ ﺗﮕﺰﺍﺱ ﺳﺨﻨﺮﺍﻧﻲ ﻛﻨﺪ‪ .‬ﺭﻱ ﺍﺯ ﺩﺍﻧﺸـﺠﻮﻳﺎﻥ ﭘﺮﺳـﻴﺪ‪ :‬ﻣـﻦ ﺩﺭ ﭼـﻪ ﻛﺴـﺐﻭ ﻛـﺎﺭﻱ‬ ‫ﻫﺴﺘﻢ؟ ﺩﺍﻧﺸﺠﻮﻳﺎﻥ ﻫﻤﮕﻲ ﺑﻪ ﺧﻨﺪﻩ ﺍﻓﺘﺎﺩﻧﺪ ﻭ ﮔﻤﺎﻥ ﻛﺮﺩﻧﺪ ﻛﻪ ﺭﻱ ﺑﺎ ﺁﻧﺎﻥ ﺷﻮﺧﻲ ﻣﻲﻛﻨﺪ‪.‬‬ ‫ﻛﺴﻲ ﭘﺎﺳﺦ ﻧﺪﺍﺩ‪ ،‬ﻭ ﺭﻱ ﭘﺮﺳﺶﺍﺵ ﺭﺍ ﺗﻜﺮﺍﺭ ﻛﺮﺩ‪ :‬ﺗﺼﻮﺭ ﻣﻲﻛﻨﻴﺪ ﻛﻪ ﻛﺴﺐﻭ ﻛﺎﺭ ﻣﻦ ﭼﻴﺴﺖ؟ ﺩﺍﻧﺸـﺠﻮﻳﺎﻥ‬ ‫ﺩﻭﺑﺎﺭﻩ ﺧﻨﺪﻳﺪﻧﺪ‪ ،‬ﺗﺎ ﺍﻳﻨﻜﻪ ﻳﻜﻲ ﺍﺯ ﺩﻟﻴﺮﺗﺮﻳﻦ ﺁﻧﺎﻥ ﺑﻪ ﺳﺨﻦ ﺩﺭﺁﻣﺪ ﻭ ﮔﻔﺖ‪ :‬ﺭﻱ‪ ،‬ﺩﺭ ﺟﻬﺎﻥ ﭼﻪ ﻛﺴﻲ ﻧﻤﻲﺩﺍﻧﺪ ﻛﻪ‬ ‫ﺷﻤﺎ ﺩﺭ ﻛﺎﺭ ﻫﻤﺒﺮﮔﺮ ﻫﺴﺘﻴﺪ؟ ﺭﻱ ﺑﺎ ﭘﻮﺯﺧﻨﺪ ﮔﻔﺖ‪ :‬ﺍﻳﻦ ﻫﻤﺎﻥ ﭘﺎﺳﺨﻲ ﺍﺳﺖ ﻛﻪ ﭘﻴﺶ ﺧـﻮﺩ ﺗﺼـﻮﺭ ﻣـﻲﻛـﺮﺩﻡ‬ ‫ﺧﻮﺍﻫﻴﺪ ﺩﺍﺩ‪ .‬ﺍﻧﺪﻛﻲ ﺩﺭﻧﮓ ﻛﺮﺩ ﻭ ﺳﭙﺲ ﺑﺎ ﺷﺘﺎﺏ ﮔﻔﺖ‪ :‬ﺧﺎﻧﻢﻫﺎ ﻭ ﺁﻗﺎﻳﺎﻥ‪ ،‬ﻣﻦ ﺩﺭ ﻛـﺎﺭ ﻣﺴـﺘﻐﻼﺕ ﻫﺴـﺘﻢ ﻧـﻪ‬ ‫ﻫﻤﺒﺮﮔﺮ‪.‬‬ ‫ﺭﻱ ﺯﻣﺎﻥ ﺯﻳﺎﺩﻱ ﺭﺍ ﺑﻪ ﺗﻮﺿﻴﺢ ﺩﻳﺪﮔﺎﻩ ﻫﺎﻱ ﺧﻮﺩ ﭘﺮﺩﺍﺧـﺖ‪ .‬ﺩﺭ ﺑﺮﻧﺎﻣـﻪ ﻛـﺎﺭ ﺭﻱ ﻣـﻲﺩﺍﻧﺴـﺖ ﻛـﻪ ﻫـﺪﻑ‬ ‫ﻧﺨﺴﺘﻴﻦﺍﺵ ﻓﺮﻭﺵ ﺍﻣﺘﻴﺎﺯ ﺭﺳﺘﻮﺭﺍﻥ ﺍﺳﺖ‪ ،‬ﻭﻟﻲ ﺁﻧﭽﻪ ﻛﻪ ﻫﻴﭻﮔﺎﻩ ﺑﻪ ﻓﺮﺍﻣﻮﺷـﻲ ﻧﻤـﻲﺳـﭙﺮﺩ‪ ،‬ﮔـﺰﻳﻨﺶ ﻣﺤـﻞ‬ ‫ﻣﻨﺎﺳﺐ ﺭﺳﺘﻮﺭﺍﻥﻫﺎ ﺑﻮﺩ‪ .‬ﺧﺮﻳﺪﺍﺭﺍﻥ ﺍﻣﺘﻴﺎﺯ ﺭﺳﺘﻮﺭﺍﻥ‪ ،‬ﺑﻬﺎﻱ ﺯﻣﻴﻦ ﺁﻥ ﺭﺍ ﻫﻢ ﻣﻲﭘﺮﺩﺍﺯﻧﺪ ﻛﻪ ﺑﻪ ﻣﺎﻟﻜﻴﺖ “ﺳﺎﺯﻣﺎﻥ‬ ‫ﺭﻱ ﻛﺮﺍﻙ” ﺩﺭﻣﻲﺁﻳﺪ‪.‬‬ ‫ﺑﺨﺶ ﭘﻴﺸﻴﻦ ﺭﺍ ﺑﺎ ﺍﻳﻦ ﻣﻄﻠﺐ ﭘﺎﻳﺎﻥ ﺩﺍﺩﻳﻢ ﻛﻪ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺑﺮﺍﻱ ﺩﻳﮕﺮﺍﻥ‪ ،‬ﻧﻪ ﺑﺮﺍﻱ ﺧﻮﺩ ﻛﺎﺭ ﻣـﻲﻛﻨﻨـﺪ‪.‬‬ ‫ﺁﻧﺎﻥ ﻧﺨﺴﺖ ﺑﺮﺍﻱ ﺩﺍﺭﻧﺪﻩ ﺷﺮﻛﺖ‪ ،‬ﭘـﺲ ﺍﺯ ﺁﻥ ﺑـﺮﺍﻱ ﺩﻭﻟـﺖ ﮔﻴﺮﻧـﺪﻩ ﻣﺎﻟﻴـﺎﺕ‪ ،‬ﻭ ﺳـﭙﺲ ﺑـﺮﺍﻱ ﺑﺎﻧـﻚﻫـﺎﻱ‬ ‫ﻭﺍﻡﺩﻫﻨﺪﻩ ﺑﻪ ﺍﻳﺸﺎﻥ ﻛﺎﺭ ﻣﻲﻛﻨﻨﺪ‪.‬‬ ‫ﺩﺭ ﺩﻭﺭﺍﻥ ﻛﻮﺩﻛﻲ ﻣﺎ ﺭﺳﺘﻮﺭﺍﻥ ﻣﻚﺩﻭﻧﺎﻟﺪ ﺩﺭ ﺁﻥ ﺣﻮﺍﻟﻲ ﺷﻌﺒﻪ ﻧﺪﺍﺷﺖ‪ ،‬ﻭﻟﻲ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻫﻤﺎﻥ ﺩﺭﺳﻲ ﺭﺍ ﺑـﻪ‬ ‫ﻣﻦ ﻣﻲﺩﺍﺩ ﻛﻪ ﺭﻱ ﻛﺮﺍﻙ ﺩﺭ ﺳﺨﻨﺮﺍﻧﻲ ﺧﻮﺩ ﺩﺭ ﺩﺍﻧﺸﮕﺎﻩ ﺗﮕﺰﺍﺱ ﻋﻨﻮﺍﻥ ﻧﻤﻮﺩ‪:‬‬ ‫ﺭﺍﺯ ﺷﻤﺎﺭﻩ ‪ ٣‬ﺛﺮﻭﺗﻤﻨﺪ ﺷﺪﻥ‪ .‬ﺁﻥ ﺭﺍﺯ ﺍﻳﻦ ﺍﺳﺖ “ﺑﻪ ﻛﺴﺐﻭﻛﺎﺭﻱ ﺑﺮﺍﻱ ﺧﻮﺩﺗﺎﻥ ﺑﻴﻨﺪﻳﺸﻴﺪ”‬

‫‪١٣‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﮔﺮﻓﺘﺎﺭﻱﻫﺎﻱ ﻣﺎﻟﻲ‪ ،‬ﺍﻏﻠﺐ ﭘﻴﺎﻣﺪ ﻛﺎﺭ ﻛﺮﺩﻥ ﺑﺮﺍﻱ ﺩﻳﮕﺮﺍﻥ ﺩﺭ ﺳﺮﺍﺳﺮ ﺯﻧﺪﮔﻲ ﺍﺳـﺖ‪ .‬ﺑﺴـﻴﺎﺭﻱ ﺍﺯ ﻣـﺮﺩﻡ ﺩﺭ‬ ‫ﭘﺎﻳﺎﻥ ﺭﻭﺯ ﻛﺎﺭﻱ‪ ،‬ﭼﻴﺰﻱ ﺍﺯ ﺧﻮﺩ ﻧﺪﺍﺭﻧﺪ‪ .‬ﺑﺮﺍﻱ ﺍﻳﻨﻜﻪ ﺩﺭ ﺯﻣﻴﻨﻪ ﻣﺎﻟﻲ ﺑﻲﻧﻴﺎﺯ ﺷﻮﻳﺪ ﺑﺎﻳﺪ ﺑﺮﺍﻱ ﺧﻮﺩ ﻧﻴﺰ ﻛﺴﺐﻭﻛﺎﺭﻱ‬ ‫ﺑﻪ ﻭﺟﻮﺩ ﺁﻭﺭﻳﺪ‪ .‬ﺩﺍﺭﺍ ﺑﻮﺩﻥ ﻛﺴﺐﻭﻛﺎﺭ ﺳﺘﻮﻥ ﺩﺍﺭﺍﻳﻲﻫﺎ ﺭﺍ ﺩﺭ ﺑﺮﺍﺑﺮ ﺩﺭﺁﻣﺪﻫﺎ ﺑﻪ ﮔﺮﺩﺵ ﺩﺭﻣﻲﺁﻭﺭﺩ‪.‬‬ ‫ﻫﻤﺎﻥﮔﻮﻧﻪ ﻛﻪ ﻗﺒﻼﹰ ﮔﻔﺘﻪ ﺷﺪ‪ ،‬ﻗﺪﻡ ﺍﻭﻝ‪ ،‬ﺷﻨﺎﺧﺖ ﺗﻔﺎﻭﺕ ﺩﺍﺭﺍﻳﻲ ﺍﺯ ﺑﺪﻫﻲ ﻭ ﺧﺮﻳﺪ ﺩﺍﺭﺍﻳﻲ ﺍﺳﺖ‪ .‬ﺛﺮﻭﺗﻤﻨـﺪﺍﻥ‬ ‫ﭼﺸﻢ ﺑﻪ ﺳﺘﻮﻥ ﺩﺍﺭﺍﻳﻲﻫﺎ ﺩﺍﺭﻧﺪ‪ ،‬ﺩﺭ ﺣﺎﻟﻲﻛﻪ ﺩﻳﮕﺮﺍﻥ ﺑﻪ ﺍﻧﺘﻈﺎﺭ ﺻﻮﺭﺕﺣﺴﺎﺏ ﺩﺭﺁﻣﺪ ﻧﺸﺴـﺘﻪﺍﻧـﺪ‪ .‬ﻛـﺎﺭﻱ ﻛـﻪ‬ ‫ﺑﺴﻴﺎﺭﻱ ﻣﻲﻛﻨﻨﺪ‪ ،‬ﻫﻤﻴﻦ ﺍﺳﺖ ﻛﻪ ﺑﻲﺧﻴﺎﻝ ﺍﺯ ﺧﺎﻧﻪ ﺑﻴﺮﻭﻥ ﻣﻲﺭﻭﻧﺪ ﻭ ﺑﺎ ﻛﺎﺭﺕﻫﺎﻱ ﺍﻋﺘﺒﺎﺭﻱ ﺑﻪ ﺧﺮﻳـﺪ ﺧـﻮﺩﺭﻭ ﻳـﺎ‬ ‫ﺩﻳﮕﺮ ﻛﺎﻻﻫﺎﻱ ﺗﺠﻤﻠﻲ ﺩﺳﺖ ﻣﻲﺯﻧﻨﺪ‪ .‬ﻣﻤﻜﻦ ﺍﺳﺖ ﻛﻪ ﺗﻨﻬﺎ ﺣﻮﺻﻠﻪﺷﺎﻥ ﺍﺯ ﻳﻚ ﻭﺳﻴﻠﻪ ﺑﻪﺳـﺮﺁﻣﺪﻩ ﻭ ﺧﻮﺍﺳـﺘﺎﺭ‬ ‫ﺍﺳﺒﺎﺏ ﺑﺎﺯﻱ ﺗﺎﺯﻩﺍﻱ ﺑﺎﺷﻨﺪ‪ .‬ﻛﺴﺎﻧﻲ ﻛﻪ ﺑﺎ ﻛﺎﺭﺕﻫﺎﻱ ﺍﻋﺘﺒﺎﺭﻱ ﻭ ﻭﺍﻡ ﺑﺎﻧﻜﻲ ﺍﻗﻼﻡ ﺗﻔﺮﻳﺤـﻲ ﻭ ﺗﺠﻤﻠـﻲ ﻣـﻲﺧﺮﻧـﺪ‪،‬‬ ‫ﺍﻏﻠﺐ ﻧﺎﭼﺎﺭ ﻣﻲﺷﻮﻧﺪ ﺗﺎ ﺩﺭ ﺯﻳﺮ ﻓﺸﺎﺭ ﻣﺎﻟﻲ‪ ،‬ﺁﻧﻬﺎ ﺭﺍ ﺑﺎ ﺑﻬﺎﻱ ﺍﻧﺪﻙ ﺑﺎﺯﺑﻔﺮﻭﺷﻨﺪ‪.‬‬ ‫ﭘﺲ ﺍﺯ ﻭﻗﺖ ﮔﺬﺍﺷﺘﻦ ﻭ ﺍﻧﺪﻳﺸﻴﺪﻥ ﺩﺭ ﺑﻨﻴﺎﻥ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱﻫﺎﻱ ﺳﻨﺠﻴﺪﻩ ﻭ ﻧﻴﺮﻭﻣﻨﺪﻱ ﺳﺘﻮﻥ ﺩﺍﺭﺍﻳﻲﻫـﺎﻱ‬ ‫ﺭﺍﺳﺘﻴﻦ‪ ،‬ﻣﻲﺗﻮﺍﻥ ﺑﻪ ﺑﻬﺮﻩﺑﺮﺩﺍﺭﻱ ﺍﺯ ﭘﺎﺩﺍﺵ ﺳﺎﺧﺘﻪ ﻭ ﭘﺮﺩﺍﺧﺘﻪ ﺁﻧﻬﺎ ﺁﻏﺎﺯ ﻧﻤﻮﺩ‪ .‬ﺭﺍﻫﻲ ﻛﻪ ﺑـﻪ ﺳـﻮﻱ ﺛﺮﻭﺗﻤﻨـﺪﻱ‬ ‫ﭘﻴﺶ ﻣﻲ ﺭﻭﺩ‪ .‬ﺍﻳﻦ ﭘﺎﺩﺍﺵ ﺻﺮﻑ ﻭﻗﺖ ﻭ ﺩﺍﻧﺶ ﻣﺎﻟﻲ ﻛﺴﺎﻧﻲ ﺍﺳﺖ ﻛﻪ ﻛﺴﺐﻭﻛﺎﺭ ﺧﻮﺩ ﺭﺍ ﺑﻪ ﺭﺍﻩ ﺍﻧﺪﺍﺧﺘﻪﺍﻧﺪ‪.‬‬

‫ﺑﺨﺶ ﭘﻨﺠﻢ‬

‫ﺗﺎﺭﻳﺨﭽﻪ ﻣﺎﻟﻴﺎﺕﻫﺎ ﻭ ﻗﺪﺭﺕ ﺷﺮﻛﺖﻫﺎﻱ ﺑﺰﺭﮒ‬ ‫ﺩﺍﺳﺘﺎﻥ ﺭﺍﺑﻴﻦ ﻫﻮﺩ ﻭ ﻣﺮﺩﺍﻥ ﺍﻭ ﺭﺍ ﺍﺯ ﺩﻭﺭﺍﻥ ﺩﺑﺴﺘﺎﻥ ﺑﻪ ﻳﺎﺩ ﺩﺍﺭﻳﻢ‪ .‬ﺁﻣﻮﺯﮔﺎﺭ ﻣـﺎ ﺍﻳـﻦ ﺩﺍﺳـﺘﺎﻥ ﺭﺍ ﺍﺯ ﻧﻤﻮﻧـﻪﻫـﺎﻱ‬ ‫ﺑﺮﺟﺴﺘﻪ ﻗﻬﺮﻣﺎﻧﻲ ﻣﻲﺩﺍﻧﺴﺖ‪ .‬ﻛﺴﻲ ﻛﻪ ﭘﻮﻝ ﻭ ﺛﺮﻭﺕ ﺭﺍ ﺍﺯ ﺩﺍﺭﺍﻫﺎ ﻣﻲﺭﺑﻮﺩ ﻭ ﻣﻴﺎﻥ ﻧﺎﺩﺍﺭﻫﺎ ﭘﺨﺶ ﻣﻲﻛﺮﺩ‪ .‬ﺑﺎﺑـﺎﻱ‬ ‫ﺩﺍﺭﺍﻱ ﻣﻦ ﺭﺍﺑﻴﻦ ﻫﻮﺩ ﺭﺍ ﻧﻪ ﻗﻬﺮﻣﺎﻥ ﺑﻠﻜﻪ ﻳﻚ ﻛﻼﻫﺒﺮﺩﺍﺭ ﻣﻲﺩﺍﻧﺴﺖ‪.‬‬ ‫ﻣﻦ ﺑﺎﺭﻫﺎ ﺷﻨﻴﺪﻩﺍﻡ ﻛﻪ ﻣﻲﮔﻮﻳﻨﺪ‪ :‬ﭼﺮﺍ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺳﻬﻢ ﺭﺍﺳﺘﻴﻦ ﺧﻮﺩ ﺭﺍ ﺍﺩﺍ ﻧﻤﻲﻛﻨﻨﺪ؟ ﻳـﺎ‪ :‬ﺛﺮﻭﺗﻤﻨـﺪﺍﻥ ﺑﺎﻳـﺪ‬ ‫ﻣﺎﻟﻴﺎﺕ ﺑﻴﺸﺘﺮﻱ ﺑﭙﺮﺩﺍﺯﻧﺪ ﺗﺎ ﻫﺰﻳﻨﻪ ﻧﺎﺩﺍﺭﻫﺎ ﺑﺸﻮﺩ‪ .‬ﻫﻤﻴﻦ ﺍﻧﺪﻳﺸﻪﻫﺎﻱ ﺭﺍﺑﻴﻦ ﻫـﻮﺩﻱ )ﮔـﺮﻓﺘﻦ ﺍﺯ ﺛﺮﻭﺗﻤﻨـﺪﺍﻥ ﻭ‬ ‫ﺑﺨﺸﻴﺪﻥ ﺑﻪ ﻧﺎﺩﺍﺭﻫﺎ( ﺍﺳﺖ ﻛﻪ ﻣﺎﻳﻪ ﺑﻴﭽﺎﺭﮔﻲ ﻃﺒﻘﻪ ﻣﻴﺎﻧﻲ ﺟﺎﻣﻌﻪ ﻭ ﺗﻨﮕﺪﺳﺘﺎﻥ ﺷﺪﻩ ﺍﺳﺖ‪ .‬ﻭﺍﻗﻌﻴﺖ ﺍﻳـﻦ ﺍﺳـﺖ‬ ‫ﻛﻪ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺑﻪ ﺩﺭﺳﺘﻲ ﻣﺎﻟﻴﺎﺕ ﻧﻤﻲ ﺩﻫﻨﺪ‪ .‬ﻃﺒﻘﻪ ﻣﻴﺎﻧﻲ )ﺑﻪ ﻭﻳﮋﻩ ﺩﺭﺱﺧﻮﺍﻧﺪﻩﻫﺎ( ﭘﺮﺩﺍﺧﺖ ﻋﻤﺪﻩ ﻣﺎﻟﻴﺎﺕ ﺭﺍ‬ ‫ﺑﺮﮔﺮﺩﻥ ﺩﺍﺭﻧﺪ‪.‬‬ ‫ﻧﺎﮔﻔﺘﻪ ﺩﺭ ﺗﺎﺭﻳﺦ ﻫﺎ ﺍﻳﻦ ﺍﺳﺖ ﻛﻪ ﻣﺎﻟﻴﺎﺕ ﺩﺭ ﺍﺻﻞ ﺑﺮﺍﻱ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﻭﺿﻊ ﮔﺮﺩﻳﺪ‪ .‬ﺁﻥ ﻭﻗﺖ ﭼﻨـﻴﻦ ﺍﺳـﺘﺪﻻﻝ‬ ‫ﻣﻲﺷﺪ ﻛﻪ ﻣﺎﻟﻴﺎﺕ ﺭﺍ ﺑﺮﺍﻱ ﺗﻨﺒﻴﻪ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﻭﺿﻊ ﻛﺮﺩﻩﺍﻧﺪ‪.‬‬ ‫ﺻﺪﻫﺎ ﺳﺎﻝ ﺍﺳﺖ ﻛﻪ ﺟﻨﮓ ﻣﻴﺎﻥ ﺩﺍﺭﺍﻳﺎﻥ ﻭ ﻧﺎﺩﺍﺭﺍﻥ ﺩﺭ ﺟﺮﻳﺎﻥ ﺍﺳﺖ‪ .‬ﻓﺮﻳﺎﺩﻫـﺎﻱ‪ “ :‬ﺍﺯ ﺛﺮﻭﺗﻤﻨـﺪﺍﻥ ﺑﮕﻴﺮﻳـﺪ”‬ ‫ﭘﻴﻮﺳﺘﻪ ﺍﺯ ﮔﻠﻮﻱ ﻋﺎﻣﻪ ﻣﺮﺩﻡ ﺑﻴﺮﻭﻥ ﺁﻣﺪﻩ ﺍﺳﺖ‪ .‬ﺍﻳﻦ ﻣﺒﺎﺭﺯﻩ ﭘﻴﻮﺳـﺘﻪ ﺍﺩﺍﻣـﻪ ﺧﻮﺍﻫـﺪ ﻳﺎﻓـﺖ‪ ،‬ﻭﻟـﻲ ﺑﺎﺯﻧـﺪﮔﺎﻥ‬ ‫ﻣﺮﺩﻣﻲ ﻫﺴﺘﻨﺪ ﻛﻪ ﻧﺎﺁﮔﺎﻩﺍﻧﺪ‪ ،‬ﺁﻧﺎﻧﻲ ﻛﻪ ﺑﺎﻣﺪﺍﺩﺍﻥ ﺍﺯ ﺧﻮﺍﺏ ﺑﺮﻣﻲﺧﻴﺰﻧﺪ‪ ،‬ﺑﻪ ﺳﺨﺖ ﻛﺎﺭ ﻛـﺮﺩﻥ ﻣـﻲﭘﺮﺩﺍﺯﻧـﺪ ﻭ‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﻣﺎﻟﻴﺎﺕ ﻣﻲﺩﻫﻨﺪ‪ .‬ﺍﻳﺸﺎﻥ ﺍﮔﺮ ﺑﻪ ﺭﻭﻧﺪ ﺑﺎﺯﻱ ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﺁﮔﺎﻩ ﺑﻮﺩﻧﺪ‪) ،‬ﻭ ﻗﺎﻧﻮﻥ ﺁﻧﻬﺎ ﺭﺍ ﺑﻪ ﻛﺎﺭ ﻣـﻲﺑﺴـﺘﻨﺪ( ﻛـﺎﺭﻱ‬ ‫ﻣﻲﻛﺮﺩﻧﺪ ﻛﻪ ﺑﻪ ﺍﺳﺘﻘﻼﻝ ﻣﺎﻟﻲ ﺑﺮﺳﻨﺪ‪.‬‬ ‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﭘﻴﻮﺳﺘﻪ ﺧﺎﻃﺮ ﻧﺸﺎﻥ ﻣﻲﻛﺮﺩ ﻛﻪ ﺑﺪﻭﻥ ﻗﺪﺭﺕ‪ ،‬ﺑﻪ ﮔﻮﺷﻪﺍﻱ ﺭﺍﻧﺪﻩ ﺧﻮﺍﻫﻲ ﺷـﺪ‪ .‬ﺑـﻪ ﻣـﻦ ﺍﻧـﺪﺭﺯ‬ ‫ﻣﻲﺩﺍﺩ ﻛﻪ ﺗﺮﺳﻨﺎﻙﺗﺮﻳﻦ ﻓﺮﺩ ﺭﺍ ﺑﺸﻨﺎﺳﻢ‪ .‬ﺍﻭ ﻧﻪ ﺭﻳﻴﺲ ﻳﺎ ﺳﺮﭘﺮﺳﺖ‪ ،‬ﺑﻠﻜﻪ ﻣﺄﻣﻮﺭ ﻣﺎﻟﻴﺎﺕ ﺍﺳﺖ‪ .‬ﺍﻳﻨـﺎﻥ ﭼﻨﺎﻧﭽـﻪ‬ ‫ﻓﺮﺻﺖ ﺑﻴﺎﺑﻨﺪ‪ ،‬ﻫﺮﭼﻪ ﺑﻴﺸﺘﺮ ﻣﺎﻟﻴﺎﺕ ﻣﻲﮔﻴﺮﻧﺪ‪ .‬ﺑﺎﺑﺎﻱ ﺑﺴﻴﺎﺭ ﺩﺭﺱﺧﻮﺍﻧﺪﻩﺍﻡ ﻫﻤﻮﺍﺭﻩ ﻣﺮﺍ ﺗﺸﻮﻳﻖ ﻣﻲﻛﺮﺩ ﺗـﺎ ﺩﺭ‬ ‫ﺷﺮﻛﺘﻲ ﺑﺰﺭﮒ ﻛﺎﺭ ﻣﻄﻤﺌﻨﻲ ﺩﺳﺖﻭﭘﺎ ﻛﻨﻢ‪ .‬ﺍﺯ ﻣﺰﺍﻳﺎﻱ ﭘﻴﺸﺮﻓﺖ ﺩﺭ ﭘﻠﻜﺎﻥ ﻗﺪﺭﺕ ﺷﺮﻙﻫﺎ ﺳﺨﻦ ﻣﻲ ﮔﻔـﺖ‪ .‬ﺍﻭ‬ ‫ﻧﻤﻲﺩﺍﻧﺴﺖ ﻛﻪ ﺑﺎ ﺗﺴﻠﻴﻢ ﺷﺪﻥ ﺩﺭ ﺑﺮﺍﺑﺮ ﻳﻚ ﭼﻚ ﺣﻘﻮﻕ ﻣﺎﻫﺎﻧﻪ‪ ،‬ﺍﻧﺴﺎﻥ ﺑﻪ ﮔﺎﻭﻱ ﺷﻴﺮﺩﻩ ﻭ ﺳـﺮﺑﻪﺯﻳـﺮ ﺗﺒـﺪﻳﻞ‬ ‫ﻣﻲﮔﺮﺩﺩ‪.‬‬ ‫ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﺩﻳﺪﮔﺎﻩﻫﺎﻱ ﺑﺎﺑﺎﻱ ﺩﺍﻧﺸﻤﻨﺪ ﺭﺍ ﺑﺎ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺩﺭ ﻣﻴﺎﻥ ﻣﻲﮔﺬﺍﺷـﺘﻢ‪ ،‬ﺗﻨﻬـﺎ ﺑـﻪ ﭘﻮﺯﺧﻨـﺪﻱ ﺑﺴـﻨﺪﻩ‬ ‫ﻣﻲﻛﺮﺩ ﻭ ﻣﻲﮔﻔﺖ‪ :‬ﭼﺮﺍ ﻣﺎﻟﻚ ﭘﻠﻜﺎﻥ ﻧﺒﺎﺷﻲ؟‬ ‫ﺑﻪ ﻛﺎﺭ ﺑﺴﺘﻦ ﺩﺭﺱﻫﺎﻱ ﺑﺮﮔﺮﻓﺘﻪ ﺍﺯ ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻣﺮﺍ ﺍﺯ ﺍﺳﻴﺮ ﻣﺎﻧـﺪﻥ ﺩﺭ ﺩﺍﻡ ﻣﺴـﺎﺑﻘﻪ ﻣـﻮﺵﺩﻭﺍﻧـﻲ ﺭﻫـﺎﻳﻲ‬ ‫ﺑﺨﺸﻴﺪ‪ .‬ﺑﺪﻭﻥ ﺩﺍﻧﺶ ﻭ ﺁﮔﺎﻫﻲ ﺩﺭ ﺯﻣﻴﻨﻪ ﻣﺎﻟﻲ ﻭ ﻛﺎﺭﻛﺮﺩ ﭘﻮﻝ )ﻛﻪ ﺑﻬﺮﻩ ﻫﻮﺷﻲ ﻣﺎﻟﻲ ﻣﻲﻧﺎﻣﻢ( ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﺩﻥ‬ ‫ﺍﻳﻦ ﻓﺮﺻﺖ ﻭ ﺭﺳﻴﺪﻥ ﺑﻪ ﺍﺳﺘﻘﻼﻝ ﻣﺎﻟﻲ ﺷﺪﻧﻲ ﻧﺒﻮﺩ‪.‬‬ ‫ﻣﻦ ﺍﻛﻨﻮﻥ ﻳﺎﻓﺘﻪﻫﺎ ﻭ ﺑﺮﺩﺍﺷﺖﻫﺎﻳﻢ ﺭﺍ ﺩﺭ ﺧﻼﻝ ﻧﺸﺴﺖﻫﺎ ﻭ ﻫﻤﺎﻳﺶﻫﺎ ﺩﺭ ﺍﺧﺘﻴﺎﺭ ﺩﻳﮕﺮﺍﻥ ﻣﻲﮔﺬﺍﺭﻡ‪ ،‬ﺑﻪ ﺍﻳـﻦ‬ ‫ﺍﻣﻴﺪ ﻛﻪ ﺑﺮﺍﻳﺸﺎﻥ ﺳﻮﺩﻣﻨﺪ ﻭ ﻣﺆﺛﺮ ﺑﺎﺷﺪ‪.‬‬ ‫ﺑﻬﺮﻩ ﻫﻮﺷﻲ ﻣﺎﻟﻲ ﻓﺮﺍﻳﻨﺪ ﺗﺠﺮﺑﻪ ﺩﺭ ﭼﻬﺎﺭ ﺣﻮﺯﻩ ﮔﺴﺘﺮﺩﻩ ﺍﺳﺖ‪:‬‬ ‫‪.١‬‬

‫ﺣﺴﺎﺑﺪﺍﺭﻱ‪ :‬ﺍﻳﻦ ﺁﮔﺎﻫﻲ ﺭﺍ ﻣﻦ ﺑﺎﺳﻮﺍﺩﻱ ﻣﺎﻟﻲ ﻣﻲ ﻧﺎﻣﻢ‪ .‬ﻣﻬﺎﺭﺗﻲ ﺍﺭﺯﻧﺪﻩ ﻛﻪ ﺑﺮﺍﻱ ﺑﺮﭘـﺎ ﻧﻤـﻮﺩﻥ ﺍﻣﭙﺮﺍﺗـﻮﺭﻱ‬ ‫ﺧﻮﺩ ﻧﻴﺎﺯ ﺩﺍﺭﻳﺪ‪ .‬ﻫﺮﭼﻪ ﺑﻴﺸﺘﺮ ﭘﻮﻝ ﺩﺍﺷﺘﻪ ﺑﺎﺷﻴﺪ‪ ،‬ﺑﺎﻳﺪ ﺣﺴﺎﺏ ﻭ ﻛﺘﺎﺏﺍﺵ ﺭﻭﺷﻦﺗﺮ ﺑﺎﺷﺪ‪ ،‬ﻭﮔﺮﻧﻪ ﻛـﺎﺥﻫـﺎ‬ ‫ﻓﺮﻭﻣﻲﺭﻳﺰﻧﺪ‪ .‬ﺣﺴﺎﺑﺪﺍﺭﻱ ﺑﻪ ﺑﺨﺶ ﭼﭗ ﻣﻐﺰ ﻭ ﺟﺰﻳﻴﺎﺕ ﻣﺮﺑﻮﻁ ﺍﺳﺖ‪ .‬ﺑﻪ ﻳﺎﺭﻱ ﺍﻳﻦ ﻣﻬﺎﺭﺕ‪ ،‬ﺍﺯ ﺗﻮﺍﻧﻤﻨﺪﻱﻫﺎ‬ ‫ﻭ ﻛﺎﺳﺘﻲﻫﺎﻱ ﻫﺮ ﻛﺴﺐ ﻭﻛﺎﺭ ﺁﮔﺎﻩ ﻣﻲﺷﻮﻳﺪ‪.‬‬

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‫ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ‪ :‬ﻣﻦ ﻧﺎﻣﺶ ﺭﺍﺩﺍﻧﺶ ﻭﺍﺩﺍﺷﺘﻦ ﭘﻮﻝ ﺑﻪ ﭘﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﮔﺬﺍﺷﺘﻪﺍﻡ‪ .‬ﻭ ﺑﺎ ﺑﺨﺶ ﺭﺍﺳﺖ ﻣﻐـﺰ ﻳـﺎ‬ ‫ﺑﺨﺶ ﺁﻓﺮﻳﻨﻨﺪﻩ ﺁﻥ ﭘﻴﻮﻧﺪ ﺩﺍﺭﺩ‪.‬‬

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‫ﺷﻨﺎﺧﺘﻦ ﺑﺎﺯﺍﺭﻫﺎ‪ :‬ﺩﺍﻧﺶ ﺷﻨﺎﺧﺖ ﻋﺮﺿﻪ ﻭ ﺗﻘﺎﺿﺎ‪ .‬ﺷﻨﺎﺧﺖ ﺟﻨﺒﻪﻫﺎﻱ “ﻓﻨﻲ” ﺑـﺎﺯﺍﺭ )ﺁﻧﭽـﻪ ﺑـﺮ ﺍﺛـﺮ ﻛـﺎﺭﻛﺮﺩ‬ ‫ﺍﺣﺴﺎﺳﺎﺕ ﺷﻜﻞ ﻣﻲﮔﻴﺮﻧﺪ‪ ،‬ﻣﺎﻧﻨﺪ ﻓﺮﻭﺵ ﺍﺳﺒﺎﺏﺑﺎﺯﻱﻫﺎ ﺩﺭ ﺁﻏﺎﺯ ﺳﺎﻝ ﻧﻮ(‪ .‬ﺩﻳﮕﺮ ﻋﺎﻣﻞﻫﺎﻱ ﻛـﺎﺭﺍ ﺩﺭ ﺑـﺎﺯﺍﺭ‪،‬‬ ‫ﺟﻨﺒﻪﻫﺎﻱ “ﺑﻨﻴﺎﺩﻳﻦ” ﺁﻥ )ﭼﮕﻮﻧﮕﻲ ﺳﺮﻣﺎﻳﻪ ﮔـﺬﺍﺭﻱ ﺑـﻪ ﺭﻭﺵ ﺍﻗﺘﺼـﺎﺩﻱ( ﺍﺳـﺖ‪ .‬ﺁﻳـﺎ ﺳـﺮﻣﺎﻳﻪﮔـﺬﺍﺭﻱ ﺩﺭ‬ ‫ﻭﺿﻌﻴﺖ ﻛﻨﻮﻧﻲ ﺑﺎﺯﺍﺭ ﺩﺭﺳﺖ ﻳﺎ ﻧﺎﺩﺭﺳﺖ ﺍﺳﺖ؟‬

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‫ﻗﺎﻧﻮﻥ‪ :‬ﺗﺼﻮﺭ ﻛﻨﻴﺪ ﻛﻪ ﻳﻚ ﺳﺎﺯﻣﺎﻥ ﻭ ﻳﻚ ﻓﺮﺩ ﺍﺯ ﻣﻬﺎﺭﺕﻫﺎﻱ ﻓﻨﻲ ﺣﺴﺎﺑﺪﺍﺭﻱ ﻭ ﺳﺮﻣﺎﻳﻪﮔـﺬﺍﺭﻱ ﺩﺭ ﺭﻭﻧـﺪ‬ ‫ﺑﺎﺯﺍﺭ ﺁﮔﺎﻩ ﻫﺴﺘﻨﺪ‪ .‬ﻳﻜﻲ ﺍﺯ ﻗﺎﻧﻮﻥ ﻫﺎﻱ ﻣﺎﻟﻴﺎﺕ ﻭ ﺑﻬﺮﻩﺑﺮﺩﺍﺭﻱ ﺍﺯ ﺍﻣﺘﻴﺎﺯﻫﺎﻱ ﺩﺍﺷﺘﻦ ﺷﺮﻛﺖ ﺁﮔـﺎﻩ ﻭ ﺩﻳﮕـﺮﻱ‬ ‫ﻧﺎﺁﮔﺎﻩ ﺍﺳﺖ‪ .‬ﺗﻔﺎﻭﺕ ﺣﺮﻛﺖ ﻭ ﭘﻴﺸـﺮﻓﺖ ﺍﻳـﻦ ﺩﻭ ﻫﻤﺎﻧﻨـﺪ ﺭﺍﻩ ﺭﻓـﺘﻦ ﻭ ﭘـﺮﻭﺍﺯ ﻛـﺮﺩﻥ ﺧﻮﺍﻫـﺪ ﺑـﻮﺩ‪ .‬ﺩﺭ‬ ‫ﺩﺭﺍﺯﻣﺪﺕ‪ ،‬ﻧﺘﻴﺠﻪ ﺑﺴﻴﺎﺭ ﻣﺘﻔﺎﻭﺕ ﺍﺳﺖ‪.‬‬ ‫ﺑﻬﺮﻩ ﻫﻮﺷﻲ ﻣﺎﻟﻲ‪ ،‬ﺍﺯ ﺑﺮﺁﻳﻨﺪ ﻭ ﻫﻢﺍﻓﺰﺍﻳﻲ ﻣﻬﺎﺭﺕﻫﺎ ﻭ ﻫﻮﺷﻤﻨﺪﻱﻫﺎﻱ ﺑﺴﻴﺎﺭﻱ ﺳﺎﺧﺘﻪ ﻣﻲﺷﻮﺩ‪ .‬ﻭﻟﻲ ﺍﺯ ﺩﻳـﺪ‬

‫ﻣﻦ‪ ،‬ﺗﺮﻛﻴﺐ ﭼﻬﺎﺭ ﻣﻬﺎﺭﺗﻲ ﻛﻪ ﭘﻴﺶﺗﺮ ﺁﻭﺭﺩﻳﻢ‪ ،‬ﻣﺎﻳﻪ ﺍﺻﻠﻲ ﺭﺳﻴﺪﻥ ﺑﻪ ﺍﻳﻦ ﻭﻳﮋﮔﻲ ﺍﺳﺖ‪ .‬ﺍﮔـﺮ ﻣـﻲﺧﻮﺍﻫﻴـﺪ ﺑـﻪ‬ ‫ﺛﺮﻭﺗﻲ ﭼﺸﻤﮕﻴﺮ ﺑﺮﺳﻴﺪ‪ ،‬ﺗﺮﻛﻴﺐ ﺍﻳﻦ ﻣﻬﺎﺭﺕﻫﺎ )ﺩﺳﺘﻴﺎﺑﻲ ﺑﻪ ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ( ﺑﺮﺍﻳﺘﺎﻥ ﺑﺴﻴﺎﺭ ﺿﺮﻭﺭﻱ ﺍﺳﺖ‪.‬‬

‫ﻓﺮﺩﻱ ﻛﻪ ﺑﺮﺍﻱ ﺷﺮﻛﺖﻫﺎ ﻛﺎﺭ ﻣﻲﻛﻨﺪ‪:‬‬

‫ﻳﻚ ﺛﺮﻭﺗﻤﻨﺪ ﺷﺮﻛﺖﺩﺍﺭ‪:‬‬

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‫ﺩﺭﺁﻣﺪ ﺩﺍﺭﺩ‬

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‫ﺩﺭﺁﻣﺪ ﺩﺍﺭﺩ‬

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‫ﻣﺎﻟﻴﺎﺕ ﻣﻲﭘﺮﺩﺍﺯﺩ‬

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‫ﻫﺰﻳﻨﻪ ﻣﻲﻛﻨﺪ‬

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‫ﻫﺰﻳﻨﻪ ﻣﻲﻛﻨﺪ‬

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‫ﻣﺎﻟﻴﺎﺕ ﻣﻲﭘﺮﺩﺍﺯﺩ‬

‫ﺑﺨﺶ ﺷﺸﻢ‬

‫ﺛﺮﻭﺗﻤﻨﺪﺍﻥ ﭘﻮﻝ ﻣﻲﺁﻓﺮﻳﻨﻨﺪ‬ ‫ﻫﻤﻪ ﺍﺯ ﺗﻮﺍﻥﻣﻨﺪﻱﻫﺎ ﻭ ﻫﻮﺵ ﺧﻮﺑﻲ ﺑﺮﺧﻮﺭﺩﺍﺭ ﻫﺴﺘﻴﻢ ﻭﻟﻲ ﺁﻧﭽﻪ ﺩﺳﺖ ﻣﺎ ﺭﺍ ﻣﻲﺑﻨﺪﺩ‪ ،‬ﺍﻧﺪﻛﻲ ﺧـﻮﺩ ـ ﻧﺎﺑـﺎﻭﺭﻱ‬ ‫ﺍﺳﺖ‪ .‬ﺍﻗﺪﺍﻡ ﻧﻜﺮﺩﻥﻫﺎﻱ ﻣﺎ ﻧﺎﺷﻲ ﺍﺯ ﻧﺎﺁﮔﺎﻫﻲ ﻣﺎﻟﻲ ﻧﻴﺴﺖ‪ ،‬ﺑﻴﺸﺘﺮ ﺍﺯ ﻧﺪﺍﺷﺘﻦ ﺍﻋﺘﻤﺎﺩﺑﻪﻧﻔﺲ ﺍﺳﺖ‪ .‬ﺍﻳﻦ ﻛﺎﺳـﺘﻲ‬ ‫ﺩﺭ ﺑﺮﺧﻲ ﺍﺯ ﻣﺮﺩﻡ ﺁﺷﻜﺎﺭﺗﺮ ﺍﺳﺖ‪.‬‬ ‫ﭘﺲ ﺍﺯ ﺗﺮﻙ ﻣﺪﺭﺳﻪ‪ ،‬ﺍﻏﻠﺐ ﻣﻲﺩﺍﻧﻴﻢ ﻛﻪ ﭼﮕﻮﻧﮕﻲ ﻧﻤﺮﻩﻫﺎﻱ ﺩﺭﺳﻲ ﺩﻭﺭﺍﻥ ﻣﺪﺭﺳﻪﺍﻱ ﭼﻨـﺪﺍﻥ ﺑـﺎ ﺍﻫﻤﻴـﺖ‬ ‫ﻧﻴﺴﺘﻨﺪ‪ .‬ﺍﺯ ﺯﻧﺪﮔﻲ ﻭﺍﻗﻌﻲ‪ ،‬ﺑﻪ ﭼﻴﺰ ﺩﻳﮕﺮﻱ ﻧﻴﺎﺯ ﺩﺍﺭﻳﻢ‪.‬‬ ‫ﺷﻨﻴﺪﻩﺍﻡ ﻛﻪ ﺑﺎ ﻋﻨﻮﺍﻥﻫﺎﻱ ﮔﻮﻧﺎﮔﻮﻥ )ﺯﹶﻫﺮﻩ‪ ،‬ﺩﻝ‪ ،‬ﺩﻟﻴﺮﻱ‪ ،‬ﺯﻳﺮﻛﻲ‪ ،‬ﺳﺮﺳﺨﺘﻲ ﻭ ﻣﺎﻧﻨﺪ ﺍﻳﻨﻬﺎ( ﺍﺯ ﺁﻥ ﻳﺎﺩ ﻣﻲﻛﻨﻨﺪ‪.‬‬ ‫ﺍﻳﻦ ﻋﺎﻣﻞ‪ ،‬ﻫﺮ ﻋﻨﻮﺍﻧﻲ ﺩﺍﺷﺘﻪ ﺑﺎﺷﺪ‪ ،‬ﺑﺮ ﺳﺎﺧﺘﻦ ﺁﻳﻨﺪﻩ ﻓﺮﺩ ﺑﻴﺶ ﺍﺯ ﻫﺮ ﻧﺘﻴﺠﻪ ﻭ ﺳﺎﺑﻘﻪ ﺩﺭﺳﻲ ﺗﺄﺛﻴﺮ ﻣﻲﮔﺬﺍﺭﺩ‪.‬‬ ‫ﺗﺠﺮﺑﻪ ﺷﺨﺼﻲ ﺧﻮﺩﻡ ﻧﺸﺎﻥ ﺩﺍﺩﻩ ﺍﺳﺖ ﻛﻪ ﻫﺮ ﺩﻭ ﻋﺎﻣﻞ ﺩﺍﻧﺶ ﻣﺎﻟﻲ ﻭ ﺩﻟﻴﺮﻱ ﺩﺭ ﻛﺎﺭ ﻫﻢ ﺿـﺮﻭﺭﻱ ﺍﺳـﺖ‪.‬‬ ‫ﭼﻨﺎﻧﭽﻪ ﺗﺮﺱ ﻏﺎﻟﺐ ﮔﺮﺩﺩ‪ ،‬ﻧﺒﻮﻍ ﺳﺮﺧﻮﺭﺩﻩ ﻣﻲﺷﻮﺩ‪ .‬ﺩﺭ ﻛﻼﺱﻫﺎﻳﻢ ﺑﻪ ﺩﺍﻧﺸﺠﻮﻳﺎﻥ ﺳﺨﺖ ﺗﻮﺻﻴﻪ ﻣﻲﻛﻨﻢ ﻛـﻪ‬ ‫ﺧﻄﺮﭘﺬﻳﺮﻱ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻧﺪ‪ ،‬ﺩﻟﻴﺮ ﺑﺎﺷﻨﺪ ﻭ ﺍﺟﺎﺯﻩ ﺩﻫﻨﺪ ﺗﺎ ﻧﺒﻮﻍ ﺁﻧﺎﻥ ﺗﺮﺱ ﺭﺍ ﺑﻪ ﻗﺪﺭﺕ ﻭ ﻫﻮﺷﻤﻨﺪﻱ ﺑﺪﻝ ﻛﻨﺪ‪ .‬ﺍﻳﻦ‬ ‫ﺍﻧﺪﺭﺯ ﺑﺮﺍﻱ ﮔﺮﻭﻫﻲ ﻛﺎﺭﺳﺎﺯ ﺍﺳﺖ ﻭ ﺩﻳﮕﺮﺍﻥ ﺭﺍ ﺗﻨﻬﺎ ﺑﻪ ﻫﻴﺠﺎﻥ ﻭﺍﻣﻲﺩﺍﺭﺩ‪.‬‬ ‫ﻣﻲﺑﻴﻨﻴﻢ ﻛﻪ ﺩﺭ ﺯﻣﻴﻨﻪ ﻛﺎﺭ ﻛﺮﺩﻥ ﺑﺎ ﭘﻮﻝ‪ ،‬ﺍﻏﻠﺐ ﺩﺳﺖﺑﻪﻋﺼﺎ ﻭ ﺩﺭ ﺷﺮﺍﻳﻄﻲ ﺍﻳﻤﻦ ﺭﺍﻩ ﻣﻲﺭﻭﻧﺪ‪ .‬ﭘﺮﺳﺶﻫﺎﻳﻲ‬ ‫ﺍﺯ ﺍﻳﻦ ﺩﺳﺖ ﺭﺍ ﺍ ﺁﻧﺎﻥ ﻣﻄﺮﺡ ﻣﻲﻛﻨﻢ‪:‬‬ ‫ﭼﺮﺍ ﺑﺎﻳﺪ ﺑﻪ ﭘﻴﺸﻮﺍﺯ ﺧﻄﺮ ﺑﺮﻭﻧﺪ؟‬ ‫ﭼﺮﺍ ﻻﺯﻡ ﺍﺳﺖ ﺗﺎ ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﺧﻮﺩ ﺭﺍ ﭘﺮﻭﺭﺵ ﺩﻫﻴﻢ؟‬ ‫ﭼﮕﻮﻧﻪ ﻣﻲﺗﻮﺍﻥ ﺳﻮﺍﺩ ﻭ ﺁﮔﺎﻫﻲ ﻣﺎﻟﻲ ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﺩ؟‬ ‫ﭘﺎﺳﺦ ﻣﻦ ﺍﻳﻦ ﺍﺳﺖ‪ :‬ﺗﺎ ﮔﺰﻳﻨﻪﻫﺎﻱ ﺑﻴﺸﺘﺮﻱ ﺩﺭ ﺭﺍﻩ ﭘﻴﺮﻭﺯﻱ ﺩﺍﺷﺘﻪ ﺑﺎﺷﻴﻢ‪.‬‬ ‫ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺗﻨﻬﺎ ﻳﻚ ﺭﺍﻩ ﺭﺍ ﻣﻲ ﺩﺍﻧﻨﺪ‪ :‬ﺳﺨﺖ ﻛﺎﺭ ﻛﺮﺩﻥ‪ ،‬ﭘﺲﺍﻧﺪﺍﺯ‪ ،‬ﻭ ﻭﺍﻡ ﮔﺮﻓﺘﻦ‪ .‬ﭼﺮﺍﺑﺎﻳﺪ ﻫﻮﺷـﻤﻨﺪﻱ‬ ‫ﻣﺎﻟﻲ ﺭﺍ ﺍﻓﺰﺍﻳﺶ ﺩﻫﻴﺪ؟ ﺯﻳﺮﺍ ﻣﻲﺧﻮﺍﻫﻴﺪ ﻛﺴﻲ ﺷﻮﻳﺪ ﻛﻪ ﺳﺮﻧﻮﺷﺖ ﺧﻮﺩ ﺭﺍ ﻣﻲ ﺁﻓﺮﻳﻨـﺪ‪ .‬ﺑـﺎ ﻫﺮﭼـﻪ ﺭﺥ ﺩﻫـﺪ‬ ‫ﺭﻭﺑﻪﺭﻭ ﻣﻲﺷﻮﻳﺪ ﻭ ﺁﻥ ﺭﺍ ﺑﻬﺘﺮ ﻣﻲﻛﻨﻴﺪ‪ .‬ﮔﺮﻭﻩ ﻛﻮﭼﻜﻲ ﻣﻲ ﺩﺍﻧﻨﺪ ﻛﻪ ﺷﺎﻧﺲ ﺁﻓﺮﻳﺪﻧﻲ ﺍﺳﺖ‪ ،‬ﻫﻤﺎﻥﮔﻮﻧﻪ ﻛﻪ ﭘﻮﻝ‬ ‫ﺁﻓﺮﻳﺪﻧﻲ ﺍﺳﺖ‪ .‬ﭼﻨﺎﻧﭽﻪ ﺑﺨﻮﺍﻫﻴﺪ ﺧﻮﺷﺒﺨﺖ ﺷﺪﻩ ﻭ ﭘﻮﻝ ﺑﻴﺎﻓﺮﻳﻨﻴﺪ‪) ،‬ﺑﻪ ﺟﺎﻱ ﺍﻳﻨﻪ ﺑﻪ ﺳﺨﺖﻛﻮﺷﻲ ﺑﭙﺮﺩﺍﺯﻳﺪ( ﺑﻪ‬ ‫ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﻧﻴﺎﺯ ﺩﺍﺭﻳﺪ‪ .‬ﺍﮔﺮ ﺍﺯ ﺁﻥ ﺩﺳﺘﻪ ﻣﺮﺩﻡ ﻫﺴﺘﻴﺪ ﻛﻪ ﺩﺭ ﺍﻧﺘﻈﺎﺭ ﻓـﺮﺍﻫﻢ ﺁﻣـﺪﻥ “ﻓﺮﺻـﺖ ﻣﻨﺎﺳـﺐ”‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﻣﻲﻧﺸﻴﻨﻨﺪ‪ ،‬ﺑﺎﻳﺪ ﺯﻣﺎﻥ ﺯﻳﺎﺩﻱ ﺍﻧﺘﻈﺎﺭ ﺑﻜﻨﻴﺪ‪ .‬ﻣﺎﻧﻨﺪ ﺍﻳﻦ ﺍﺳﺖ ﻛﻪ ﻣﻨﺘﻈﺮ ﺷﻮﻳﺪ ﺗﺎ ﻫﻤﻪ ﭼـﺮﺍﻍﻫـﺎﻱ ﺭﺍﻫﻨﻤـﺎﻳﻲ ﺩﺭ‬ ‫ﺳﺮﺍﺳﺮ ﻣﺴﻴﺮ ‪ ١٠‬ﻛﻴﻠﻮﻣﺘﺮﻱ ﺷﻤﺎ ﺳﺒﺰ ﺷﻮﻧﺪ‪ ،‬ﺁﻧﮕﺎﻩ ﺁﻏﺎﺯ ﺑﻪ ﺣﺮﻛﺖ ﻧﻤﺎﻳﻴﺪ‪.‬‬ ‫ﺗﻨﻬﺎ ﺩﺍﺭﺍﻳﻲ ﻧﻴﺮﻭﻣﻨﺪﻱ ﻛﻪ ﺩﺍﺭﻳﻢ ﻣﻐﺰﻣﺎﻥ ﺍﺳﺖ‪ .‬ﺍﮔﺮ ﺍﻥ ﺭﺍ ﺑﻪﺩﺭﺳﺘﻲ ﭘﺮﻭﺭﺵ ﺩﻫـﻴﻢ‪ ،‬ﻣـﻲﺗﻮﺍﻧـﺪ ﺩﻧﻴـﺎﻳﻲ ﺍﺯ‬ ‫ﺛﺮﻭﺕ ﺭﺍ ﻛﻪ ﻳﻚ ﺁﻥ ﺑﻪ ﻧﻈﺮ ﻣﻲﺭﺳﺪ‪ ،‬ﺑﻴﺎﻓﺮﻳﻨﺪ‪ .‬ﺍﺯ ﺳﻮﻱ ﺩﻳﮕﺮ ﻣﻐﺰﻱ ﻛـﻪ ﭘـﺮﻭﺭﺵ ﻧﻴﺎﺑـﺪ‪ ،‬ﻣـﻲﺗﻮﺍﻧـﺪ ﺁﻧﭽﻨـﺎﻥ‬ ‫ﺗﻨﮕﺪﺳﺘﻲ ﻓﺮﺍﻫﻢ ﺁﻭﺭﺩ ﻩ ﺗﺎ ﭼﻨﺪ ﻧﺴﻞ ﺩﺭ ﺧﺎﻧﻮﺍﺩﻩ ﺍﺩﺍﻣﻪ ﻳﺎﺑﺪ‪.‬‬ ‫ﺍﻏﻠﺐ ﺍﺯ ﻣﻦ ﻣﻲﭘﺮﺳﻨﺪ ﻛﻪ ﭼﮕﻮﻧﻪ ﻳﻚ ﺩﻻﺭ ﺭﺍ ﻳﻚ ﻣﻴﻠﻴﻮﻥ ﺩﻻﺭ ﻛﺮﺩﻩﺍﻡ‪ .‬ﻛﻢﺗﺮ ﻣﻴﻞ ﺩﺍﺭﻡ ﻛﻪ ﺍﺯ ﺧﻮﺩﻡ ﺑﮕﻮﻳﻢ‪.‬‬ ‫ﺗﻨﻬﺎ ﺯﻣﺎﻧﻲ ﻛﻪ ﺑﺨﻮﺍﻫﻢ ﺍﺯ ﺳﺎﺩﮔﻲ ﻓﺮﺍﻳﻨﺪ ﻳﺎﺩ ﻛﻨﻢ‪ ،‬ﻧﻤﻮﻧﻪﻫﺎﻳﻲ ﺭﺍ ﻣﻲﺁﻭﺭﻡ‪ .‬ﺍﮔﺮ ﺷﻤﺎ ﺑﺎ ﺑﻨﻴﺎﻥ ﻛﺎﺭ‪ ،‬ﺑﻪ ﻭﻳـﮋﻩ ﭼﻬـﺎﺭ‬ ‫ﺳﺘﻮﻥ ﺍﺻﻠﻲ ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﻛﻪ ﭘﻴﺶﺗﺮ ﺁﻭﺭﺩﻳﻢ‪ ،‬ﺧﻮﺏ ﺁﺷﻨﺎ ﺷﻮﻳﺪ‪ ،‬ﭘﻴﺸﺮﻓﺖﺗﺎﻥ ﺁﺳﺎﻥ ﻭ ﺁﺳـﺎﻥﺗـﺮ ﺧﻮﺍﻫـﺪ‬ ‫ﺷﺪ‪.‬‬ ‫ﺧﻮﺩ ﻣﻦ ﺑﻴﺸﺘﺮ ﺍﺯ ﺩﻭ ﺭﺍﻩ ﺑﺮﺍﻱ ﺭﺷﺪ ﺛﺮﻭﺗﻢ ﺍﺳﺘﻔﺎﺩﻩ ﻣﻲﻛﻨﻢ‪ :‬ﻣﺴﺘﻐﻼﺕ ﻭ ﺳﻬﺎﻡ ﺷﺮﻛﺖﻫﺎﻱ ﻛﻮﭼﻚ‪ .‬ﺯﻳﺮﺑﻨـﺎ‬ ‫ﺭﺍ ﺑﺮ ﻣﺴﺘﻐﻼﺕ ﮔﺬﺍﺷﺘﻪﺍﻡ‪ .‬ﺟﺮﻳﺎﻥ ﻧﻘﺪﻳﻨﮕﻲ ﺩﺭ ﺁﻧﻬﺎ ﺭﻭﺯﺍﻧﻪ ﻭ ﭘﻴﻮﺳﺘﻪ ﺍﺳﺖ‪ .‬ﮔﻪﮔﺎﻩ ﺍﺭﺯﺵ ﺁﻧﻬﺎ ﻫﻢ ﺑﺎﻻ ﻣـﻲﺭﻭﺩ‪.‬‬ ‫ﻣﻦ ﺑﻪ ﻛﺴﻲ ﺗﻮﺻﻴﻪ ﭘﻴﺮﻭﻱ ﺍﺯ ﺍﻳﻦ ﺭﺍﻫﺒﺮﺩ ﺭﺍ ﻧﻤﻲﻛﻨﻢ‪ .‬ﺍﻳﻨﻬﺎ ﺗﻨﻬﺎ ﻣﺜﺎﻝ ﻭ ﻧﻤﻮﻧﻪ ﻫﺴﺘﻨﺪ‪ .‬ﺩﺭ ﻓﺮﺍﻳﻨﺪﻫﺎﻱ ﭘﻴﭽﻴﺪﻩﺍﻱ‬ ‫ﻛﻪ ﺩﺭﻙ ﻧﻤﻲﻛﻨﻢ ﻭﺍﺭﺩ ﻧﻤﻲﺷﻮﻡ‪ .‬ﺣﺴﺎﺏ ﻭ ﻛﺘﺎﺏ ﺳﺎﺩﻩ ﻭ ﻫﻮﺷﻤﻨﺪﻱ ﻋـﺎﺩﻱ ﺍﺑـﺰﺍﺭ ﻓﻌﺎﻟﻴـﺖﻫـﺎﻱ ﻣـﺎﻟﻲ ﻣـﻦ‬ ‫ﻫﺴﺘﻨﺪ‪.‬‬ ‫ﺑﻪ ﭘﻨﺞ ﺩﻟﻴﻞ ﺩﺭ ﺍﻧﺪﺭﺯﻫﺎﻳﻢ ﺍﺯ ﻣﺜﺎﻝ ﻭ ﻧﻤﻮﻧﻪ ﺍﺳﺘﻔﺎﺩﻩ ﻣﻲﻛﻨﻢ‪:‬‬ ‫‪.١‬‬

‫ﺑﺮﺍﻱ ﺗﺸﻮﻳﻖ ﺍﻧﺴﺎﻥﻫﺎ ﺑﻪ ﻳﺎﺩﮔﻴﺮﻱ‪.‬‬

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‫ﻧﺸﺎﻥ ﺩﺍﺩﻥ ﺳﺎﺩﮔﻲ ﻓﺮﺍﻳﻨﺪ‪ ،‬ﺁﻥﮔﺎﻩ ﻛﻪ ﺑﻨﻴﺎﻥ ﺍﺳﺘﻮﺍﺭ ﺷﺪﻩ ﺑﺎﺷﺪ‪.‬‬

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‫ﻧﺸﺎﻥ ﺩﺍﺩﻥ ﺍﻳﻨﻜﻪ ﺑﺮﺍﻱ ﺭﺳﻴﺪﻥ ﺑﻪ ﻫﺮ ﻫﺪﻑ‪ ،‬ﻣﻴﻠﻴﻮﻥﻫﺎ ﺭﺍﻩ ﻭﺟﻮﺩ ﺩﺍﺭﺩ‪.‬‬

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‫ﻧﺸﺎﻥ ﺩﺍﺩﻥ ﺍﻳﻨﻜﻪ ﻫﻤﮕﺎﻥ ﻣﻲﺗﻮﺍﻧﻨﺪ ﺑﻪ ﺛﺮﻭﺕ ﺑﺮﺳﻨﺪ‪.‬‬

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‫ﻧﺸﺎﻥ ﺩﻫﻢ ﻛﻪ ﺑﺎ ﺩﺍﻧﺶ ﺳﺎﺧﺖ ﻣﻮﺷﻚ ﺩﺭﮔﻴﺮ ﻧﻴﺴﺘﻴﻢ ﻭ ﻛﺎﺭﻱ ﺳﺎﺩﻩ ﺍﺳﺖ‪.‬‬

‫ﻣﻦ ﺑﻪ ﭘﻮﻝ ﻫﻤﺎﻧﻨﺪ ﺑﺎﺯﻱ ﺗﻨﻴﺲ ﺧﻮﺩ ﻣﻲﻧﮕﺮﻡ‪ .‬ﺳﺨﺖ ﺑﺎﺯﻱ ﻣﻲﻛﻨﻢ‪ .‬ﺍﺷﺘﺒﺎﻩ ﺭﺥ ﻣﻲﺩﻫـﺪ‪ ،‬ﺍﺻـﻼﺡ ﻣـﻲﻛـﻨﻢ‪،‬‬ ‫ﺍﺷﺘﺒﺎﻩﻫﺎﻱ ﺗﺎﺯﻩﺍﻱ ﺭﺥ ﻣﻲﺩﻫﺪ‪ ،‬ﺩﻭﺑﺎﺭﻩ ﺍﺻﻼﺡ ﻣﻲﻛﻨﻢ ﻭ ﺑﻬﺘﺮ ﻣﻲﺷﻮﻡ‪ .‬ﺍﮔـﺮ ﻣﺴـﺎﺑﻘﻪ ﺭﺍ ﺑـﺎﺧﺘﻢ‪ ،‬ﺑـﻪ ﻛﻨـﺎﺭ ﺗـﻮﺭ‬ ‫ﻣﻲﺭﻭﻡ‪ ،‬ﺩﺳﺖ ﺣﺮﻳﻒ ﺭﺍ ﻣﻲﻓﺸﺎﺭﻡ ﻭ ﺑﺎ ﻟﺒﺨﻨﺪ ﻣﻲﮔﻮﻳﻢ‪ :‬ﺑﻪ ﺍﻣﻴﺪ ﺩﻳﺪﺍﺭ ﺩﺭ ﻳﻜﺸﻨﺒﻪ ﺩﻳﮕﺮ‪.‬‬ ‫ﻣﺎ ﺩﻭ ﮔﻮﻧﻪ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭ ﺩﺍﺭﻳﻢ‪:‬‬ ‫‪.١‬‬

‫ﮔﺮﻭﻩ ﻧﺨﺴﺖ ﻛﻪ ﻋﻤﻮﻣﻴﺖ ﺑﻴﺸﺘﺮﻱ ﺩﺍﺭﻧﺪ‪ ،‬ﺁﻧﺎﻧﻲ ﻫﺴﺘﻨﺪ ﻛﻪ ﻳﻚ “ﺑﺴﺘﻪ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ” ﺭﺍ ﻣﻲﺧﺮﻧﺪ‪.‬‬ ‫ﺍﺯ ﺁﻏﺎﺯ ﺗﺎ ﺧﺮﺩﻩﻓﺮﻭﺷﻲ‪ ،‬ﻫﺮ ﻓﻌﺎﻟﻴﺖ‪ ،‬ﻫﻤﭽـﻮﻥ ﺷـﺮﻛﺖ ﺩﺍﺩﻭﺳـﺘﺪ ﺍﻣـﻼﻙ ﻭ ﻣﺴـﺘﻐﻼﺕ‪ ،‬ﻛـﺎﺭﮔﺰﺍﺭﻱ‬ ‫ﺑﻮﺭﺱ‪ ،‬ﻳﺎ ﺑﺮﻧﺎﻣﻪﺭﻳﺰﻱ ﻣﺎﻟﻲ‪ ،‬ﻣﻲﺗﻮﺍﻧﺪ ﺻﻨﺪﻭﻕ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﻣﺸﺘﺮﻙ ﻳﺎ ﺳﻬﺎﻡ ﻭ ﺍﻭﺭﺍﻕ ﺑﻬﺎﺩﺍﺭ ﺭﺍ ﻫـﻢ‬ ‫ﺩﺭﺑﺮ ﮔﻴﺮﺩ‪ .‬ﺭﺍﻩ ﺳﺎﺩﻩ‪ ،‬ﺗﻤﻴﺰ ﻭ ﺁﺳﺎﻥ ﺩﺭ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﺍﺳﺖ‪ .‬ﻧﻤﻮﻧﻪ ﻛﺴﻲ ﺍﺳﺖ ﻛـﻪ ﺧﻮﺍﻫـﺎﻥ ﺧﺮﻳـﺪ‬ ‫ﻳﻚ ﺭﺍﻳﺎﻧﻪ ﺍﺳﺖ‪ .‬ﺑﻪ ﻓﺮﻭﺷﮕﺎﻩ ﻣﻲﺭﻭﺩ ﻭ ﺩﺳﺘﮕﺎﻩ ﺭﺍ ﻛﺎﻣﻞ ﺧﺮﻳﺪﻩ ﺍﺯ ﻗﻔﺴﻪ ﻓﺮﻭﺷﮕﺎﻩ ﺑﺮﻣﻲﺩﺍﺭﺩ‪.‬‬

‫‪.٢‬‬

‫ﮔﺮﻭﻩ ﺩﻭﻡ ﺁﻧﺎﻧﻲ ﻫﺴﺘﻨﺪ ﻛﻪ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﻣﻲﺁﻓﺮﻳﻨﻨﺪ‪ .‬ﺍﻳﻨﺎﻥ ﺑﺨﺶﻫﺎﻱ ﻳﻚ ﺳﺮﻣﺎﻳﻪﮔـﺬﺍﺭﻱ ﺭﺍ ﺭﻭﻱ‬ ‫ﻫﻢ ﺳﻮﺍﺭ ﻣﻲﻛﻨﻨﺪ‪ .‬ﻫﻤﺎﻧﻨﺪ ﻛﺴﻲ ﻛﻪ ﻗﻄﻌﺎﺕ ﻳﻚ ﺭﺍﻳﺎﻧﻪ ﺭﺍ ﺟﺪﺍﮔﺎﻧﻪ ﺧﺮﻳـﺪﺍﺭﻱ ﻣـﻲﻛﻨـﺪ ﻭ ﺩﺳـﺘﮕﺎﻩ ﺭﺍ‬ ‫ﻣﻲ ﺳﺎﺯﺩ‪ .‬ﻣﺎﻧﻨﺪ ﻣﻮﺭﺩﻱ ﺍﺳﺖ ﻛﻪ ﺩﺳﺘﮕﺎﻫﻲ ﺭﺍ ﻫﻤﺨﻮﺍﻥ ﺑﺎ ﻧﻴﺎﺯ ﻭ ﺧﻮﺍﺳﺖ ﺧـﻮﺩ ﺑﺴـﺎﺯﻳﻢ‪ .‬ﻣـﻦ ﺳـﻮﺍﺭ‬

‫‪٢٠‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﻛﺮﺩﻥ ﻗﻄﻌﺎﺕ ﺭﺍﻳﺎﻧﻪ ﺭﺍ ﻧﻤﻲﺩﺍﻧﻢ‪ ،‬ﻭﻟﻲ ﻣﻲﺩﺍﻧﻢ ﻛﻪ ﭼﮕﻮﻧﻪ ﺑﺨﺶﻫﺎﻱ ﻳﻚ ﻓﺮﺻﺖ ﺭﺍ ﺑﻪ ﻫﻢ ﮔـﺮﺩ ﺁﻭﺭﻡ‬ ‫ﻳﺎ ﻛﺴﺎﻧﻲ ﺭﺍ ﻣﻲﺷﻨﺎﺳﻢ ﻛﻪ ﻣﻲﺗﻮﺍﻧﻨﺪ ﭼﻨﻴﻦ ﻛﻨﻨﺪ‪.‬‬ ‫ﺍﮔﺮ ﻣﻲﺧﻮﺍﻫﻴﺪ ﻛﻪ ﺍﺯ ﮔﺮﻭﻩ ﺩﻭﻡ ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﺍﻥ ﺑﺎﺷﻴﺪ‪ ،‬ﺑﻪ ﻓﺮﺍﮔﻴﺮﻱ ﺳﻪ ﻣﻬـﺎﺭﺕ ﺑﻨﻴـﺎﺩﻳﻦ ﻧﻴـﺎﺭ ﺩﺍﺭﻳـﺪ‪ .‬ﺍﻳـﻦ‬ ‫ﻣﻬﺎﺭﺕﻫﺎ ﺭﺍ ﺍﻓﺰﻭﻥ ﺑﺮ ﺁﻧﭽﻪ ﺩﺭ ﺯﻣﻴﻨﻪ ﺭﺳﻴﺪﻥ ﺑﻪ ﻫﻮﺷﻤﻨﺪﻱ ﻣﺎﻟﻲ ﺁﻭﺭﺩﻳﻢ‪ ،‬ﺑﺎﻳﺪ ﻓﺮﺍﮔﺮﻓﺖ‪:‬‬ ‫‪.١‬‬

‫ﭼﮕﻮﻧﻪ ﻓﺮﺻﺖﻫﺎﻳﻲ ﺭﺍ ﺷﻨﺎﺳﺎﻳﻲ ﻛﻨﻢ ﻛﻪ ﺩﻳﮕﺮﺍﻥ ﻧﺪﻳﺪﻩﺍﻧﺪ؟ ﺷﻤﺎ ﻣﻲﺗﻮﺍﻧﻴﺪ ﭼﻴـﺰﻱ ﺭﺍ ﺑـﺎ ﻣﻐـﺰ ﺧـﻮﺩ‬ ‫ﺑﺒﻴﻨﻴﺪ ﻛﻪ ﺩﻳﮕﺮﺍﻥ ﺑﺎ ﭼﺸﻢ ﻧﻤﻲﺑﻴﻨﻨﺪ‪.‬‬

‫‪.٢‬‬

‫ﭼﮕﻮﻧﻪ ﭘﻮﻝ ﺗﺄﻣﻴﻦ ﻛﻨﻴﻢ؟ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ ﺗﻨﻬﺎ ﺭﺍﻩ ﺑﺎﻧﻚ ﺭﺍ ﻣﻲﺷﻨﺎﺳﻨﺪ‪ .‬ﮔﺮﻭﻩ ﺩﻭﻡ ﺍﺯ ﺳﺮﻣﺎﻳﻪﮔـﺬﺍﺭﺍﻥ‬ ‫ﻛﻪ ﻣﻮﺭﺩ ﻧﻈﺮ ﻣﺎ ﻫﺴﺘﻨﺪ ﺑﺎﻳﺪ ﺭﺍﻩﻫﺎﻱ ﻭﻳﮋﻩﺍﻱ ﺑﺮﺍﻱ ﺗﺄﻣﻴﻦ ﺳﺮﻣﺎﻳﻪ ﺑﻴﺎﺑﻨﺪ‪.‬‬

‫‪.٣‬‬

‫ﭼﮕﻮﻧﻪ ﺍﻓﺮﺍﺩ ﻫﻮﺷﻤﻨﺪ ﺭﺍ ﺳﺎﺯﻣﺎﻥ ﺩﻫﻴﻢ؟ ﻫﻮﺷﻤﻨﺪﺍﻥ ﻛﺴﺎﻧﻲ ﻫﺴﺘﻨﺪ ﻛﻪ ﺑﺎ ﺍﻓﺮﺍﺩ ﻫﻮﺷﻤﻨﺪﺗﺮ ﺍﺯ ﺧـﻮﺩ‬ ‫ﻛﺎﺭ ﻣﻲﻛﻨﻨﺪ‪ ،‬ﻳﺎ ﺁﻧﺎﻥ ﺭﺍ ﺑﻪ ﺍﺳﺘﺨﺪﺍﻡ ﺩﺭﻣﻲﺁﻭﺭﻧﺪ‪ .‬ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﻧﻴﺎﺯ ﺑﻪ ﺭﺍﻳﺰﻧﻲ ﺩﺍﺭﻳﺪ‪ ،‬ﻫﻮﺷـﻤﻨﺪﺍﻧﻪ ﺑـﻪ‬ ‫ﮔﺰﻳﻨﺶ ﻣﺸﺎﻭﺭ ﺑﭙﺮﺩﺍﺯﻳﺪ‪ .‬ﺍﻟﺒﺘﻪ ﻫﻤﻜﺎﺭﻱ ﺧﻄﺮ ﺩﺍﺭﺩ‪ .‬ﺑﻪ ﺟﺎﻱ ﺗﺮﺱ ﻭ ﮔﺮﻳﺰ ﺍﺯ ﺧﻄﺮ‪ ،‬ﻣـﺪﻳﺮﻳﺖ ﻛـﺮﺩﻥ‬ ‫ﺁﻥ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳﺪ‬

‫ﭼﻴﺰﻫﺎﻱ ﻓﺮﺍﻭﺍﻧﻲ ﻫﺴﺖ ﻛﻪ ﻳﺎﺩ ﺑﮕﻴﺮﻳﺪ‪ .‬ﭘﺎﺩﺍﺵ ﻳﺎﺩﮔﻴﺮﻱ ﺑﺴـﻴﺎﺭ ﻫﻨﮕﻔـﺖ ﺍﺳـﺖ‪ .‬ﺍﮔـﺮ ﻧﻤـﻲﺧﻮﺍﻫﻴـﺪ ﻛـﻪ‬ ‫ﻣﻬﺎﺭﺕﻫﺎﻱ ﻻﺯﻡ ﺭﺍ ﺑﻴﺎﻣﻮﺯﻳﺪ‪ ،‬ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﺍﺯ ﮔﻮﻧﻪ ﻧﺨﺴﺖ ﺗﻮﺻﻴﻪ ﻣﻲﺷﻮﺩ‪.‬‬

‫ﺑﺨﺶ ﻫﻔﺘﻢ‬

‫ﺑﺮﺍﻱ ﺁﻣﻮﺧﺘﻦ ﻛﺎﺭ ﻛﻨﻴﺪ‪ ،‬ﻧﻪ ﮔﺮﺩﺁﻭﺭﻱ ﭘﻮﻝ!‬ ‫ﻣﻬﻢﺗﺮﻳﻦ ﻣﻬﺎﺭﺕﻫﺎﻱ ﻣﺪﻳﺮﻳﺘﻲ ﺑﺮﺍﻱ ﭘﻴﺮﻭﺯﻱ ﺭﺍ ﻣﻲﺗﻮﺍﻥ ﭼﻨﻴﻦ ﺑﻴﺎﻥ ﺩﺍﺷﺖ‪:‬‬ ‫‪.١‬‬

‫ﻣﺪﻳﺮﻳﺖ ﻧﻘﺪﻳﻨﮕﻲ‬

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‫ﻣﺪﻳﺮﻳﺖ ﻧﻈﺎﻡﻫﺎ )ﺍﺯ ﺟﻤﻠﻪ ﺧﻮﺩ ﻭ ﺯﻣﺎﻧﻲ ﻛﻪ ﺑﺎ ﺧﺎﻧﻮﺍﺩﻩ ﻣﻲﮔﺬﺭﺍﻧﻴﻢ(‬

‫‪.٣‬‬

‫ﻣﺪﻳﺮﻳﺖ ﺍﻧﺴﺎﻥﻫﺎ‬

‫‪٢١‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺨﺶ ﻫﺸﺘﻢ‬

‫ﭼﻴﺮﮔﻲ ﺑﺮ ﻣﺎﻧﻊﻫﺎ‬ ‫ﺍﻧﺴﺎﻥﻫﺎ ﻣﻤﻜﻦ ﺍﺳﺖ ﻛﻪ ﺑﻪﺭﻏﻢ ﺩﺭﺱ ﺧﻮﺍﻧﺪﻥ ﻭ ﺁﮔﺎﻩ ﺷﺪﻥ ﺍﺯ ﺯﻣﻴﻨﻪ ﺍﻣﻮﺭ ﻣﺎﻟﻲ‪ ،‬ﻫﻤﭽﻨﺎﻥ ﺑﺮ ﺳﺮ ﺭﺍﻩ ﺭﺳـﻴﺪﻥ‬ ‫ﺑﻪ ﺍﺳﺘﻘﻼﻝ ﻣﺎﻟﻲ ﺑﺎ ﻣﻮﺍﻧﻌﻲ ﺭﻭﺑﻪﺭﻭ ﺷﻮﻧﺪ‪ .‬ﺑﻪ ﭘﻨﺞ ﺩﻟﻴﻞ ﻋﻤﺪﻩ ﺳﺘﻮﻥ ﺩﺍﺭﺍﻳﻲﻫﺎﻱ ﺑﺮﺧـﻲ ﺍﺯ ﺁﻧـﺎﻥ ﻛـﻪ ﺍﻃﻼﻋـﺎﺕ‬ ‫ﻣﺎﻟﻲ ﻫﻢ ﺩﺍﺭﻧﺪ‪ ،‬ﺍﻏﻠﺐ ﺧﺎﻟﻲ ﻣﻲﻣﺎﻧﺪ‪ .‬ﺩﻻﻳﻞ ﭘﻨﺞﮔﺎﻧﻪ ﻋﺒﺎﺭﺗﻨﺪ ﺍﺯ‬ ‫‪.١‬‬

‫ﺗﺮﺱ‬

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‫ﺑﺪﺑﻴﻨﻲ‬

‫‪.٣‬‬

‫ﺗﻨﺒﻠﻲ‬

‫‪.٤‬‬

‫ﻋﺎﺩﺕﻫﺎﻱ ﻧﺎﺩﺭﺳﺖ‬

‫‪.٥‬‬

‫ﺗﻜﺒﺮ‬

‫ﺑﻪ ﺑﺎﻭﺭ ﻣﻦ ﻫﺮ ﺍﻧﺴﺎﻧﻲ ﺩﺭ ﺩﺭﻭﻥ ﺧﻮﺩ ﺍﺯ ﻳﻚ ﻧﺒﻮﻍ ﻣﺎﻟﻲ ﺑﺮﺧﻮﺭﺩﺍﺭ ﺍﺳﺖ‪ .‬ﻣﺸﻜﻞ ﺍﻳﻨﺠﺎ ﺍﺳﺖ ﻛﻪ ﺑﻠـﻮﻍ ﻣـﺎﻟﻲ‬ ‫ﺧﻮﺍﺑﻴﺪﻩ ﻭ ﻧﻴﺎﺯ ﺑﻪ ﺑﻴﺪﺍﺭ ﺷﺪﻥ ﺩﺍﺭﺩ‪ .‬ﺧﻮﺍﺑﻴﺪﻥ ﺁﻥ ﭘﻴﺎﻣﺪ ﺗﺤﻤﻞ ﺁﻥ ﺍﻧﺪﻳﺸﻪ ﻓﺮﻫﻨﮕﻲ ﺍﺳﺖ ﻛﻪ ﭘﻮﻝ ﺭﺍ ﺳﺮﭼﺸﻤﻪ‬ ‫ﻫﻤﻪ ﺑﺪﻱﻫﺎ ﻣﻲﺩﺍﻧﺪ‪ .‬ﺩﺭ ﺍﻳﻦ ﻓﺮﻫﻨﮓ ﺍﻧﺴﺎﻥ ﺗﺸﻮﻳﻖ ﻣﻲﺷﻮﺩ ﺗﺎ ﺧﻮﺏ ﺩﺭﺱ ﺑﺨﻮﺍﻧﺪ‪ ،‬ﺷﻐﻞ ﺩﺭﺍﺯﻣﺪﺗﻲ ﺑﮕﻴﺮﺩ ﻭ‬ ‫ﺑﺮﺍﻱ ﭘﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﻛﺎﺭ ﻛﻨﺪ‪ .‬ﺑﻪ ﻣﺎ ﻳﺎﺩ ﻧﻤﻲﺩﻫﻨﺪ ﻛﻪ ﭼﮕﻮﻧﻪ ﭘﻮﻝ ﺭﺍ ﻫﻢ ﺑﻪ ﻛﺎﺭ ﻛﺮﺩﻥ ﻭ ﺧﺪﻣﺖ ﺧﻮﺩ ﻭﺍﺩﺍﺭﻳﻢ‪.‬‬

‫ﺑﺨﺶ ﻧﻬﻢ‬

‫ﺩﺳﺖ ﺑﻪ ﻛﺎﺭ ﺷﺪﻥ‬ ‫ﻣﻦ ﻓﺮﺍﻳﻨﺪ ﺩﻩﮔﺎﻣﻪ ﺯﻳﺮ ﺭﺍ ﺑﻪ ﻣﻨﻈﻮﺭ ﭘﺮﻭﺭﺵ ﺍﺳﺘﻌﺪﺍﺩ ﺧﺪﺍﺩﺍﺩﻱ ﺑﻪ ﺷﻤﺎ ﻋﺮﺿﻪ ﻣﻲﻛﻨﻢ‪ .‬ﺍﺳﺘﻌﺪﺍﺩ ﻭ ﻧﻴﺮﻭﻳﻲ ﻛﻪ‬ ‫ﺗﻨﻬﺎ ﺩﺭ ﺍﺧﺘﻴﺎﺭ ﻭ ﻣﺎ ﺷﻤﺎﺳﺖ‪.‬‬

‫ﮔﺎﻡ ‪ -١‬ﺑﻪ ﻧﻴﺮﻭﻳﻲ ﺑﺮﺗﺮ ﺍﺯ ﺁﻧﭽﻪ ﺁﺷﻜﺎﺭ ﺍﺳﺖ ﻧﻴﺎﺯ ﺩﺍﺭﻡ‪ :‬ﻧﻴﺮﻭﻱ ﺭﻭﺍﻥ‪.‬‬ ‫ﻓﻬﺮﺳﺖ ﻣﺨﺘﺼﺮﻱ ﺩﺭﺳﺖ ﻣﻲﻛﻨﻢ‪ .‬ﻧﺨﺴﺖ “ﻧﺨﻮﺍﺳﺘﻦﻫﺎ” ﻛﻪ ﺁﻓﺮﻳﻨﻨﺪﻩ “ﺧﻮﺍﺳﺘﻦﻫﺎ” ﻫﺴﺘﻨﺪ‪:‬‬ ‫– ﻧﻤﻲﺧﻮﺍﻫﻢ ﻛﻪ ﺩﺭ ﺳﺮﺍﺳﺮﺯﻧﺪﮔﻲﺍﻡ ﻛﺎﺭ ﻛﻨﻢ‪.‬‬ ‫– ﺷﻐﻠﻲ ﻣﻄﻤﺌﻦ ﻭ ﺧﺎﻧﻪﺍﻱ ﺩﺭ ﺣﻮﻣﻪ ﺷﻬﺮ ﺭﺍ ﻧﻤﻲﺧﻮﺍﻫﻢ‪.‬‬ ‫– ﻧﻤﻲﺧﻮﺍﻫﻢ ﻛﺎﺭﻣﻨﺪ ﻛﺴﻲ ﺑﺎﺷﻢ‪.‬‬ ‫–ﻣﺘﻨﻔﺮﻡ ﺍﺯ ﺍﻳﻨﻜﻪ ﻣﺎﻧﻨﺪ ﭘﺪﺭﻡ ﺑﻪ ﺩﻟﻴﻞ ﮔﺮﻓﺘﺎﺭﻱﻫﺎﻱ ﻛﺎﺭﻱ ﺑﻪ ﺗﻤﺎﺷﺎﻱ ﻣﺴﺎﺑﻘﻪ ﻓﻮﺗﺒﺎﻝ ﻓﺮﺯﻧﺪﻡ ﻧﺮﻭﻡ‪.‬‬ ‫– ﻣﺘﻨﻔﺮﻡ ﺍﺯ ﺍﻳﻨﻜﻪ ﺣﺎﺻﻞ ﺳﺨﺖﻛﻮﺷﻲ ﻭ ﺟﺎﻥ ﻛﻨﺪﻥ ﺧﻮﺩ ﺭﺍ ﻣﺎﻧﻨﺪ ﭘﺪﺭﻡ ﺑﻪ ﺩﻭﻟﺖ ﺑﺪﻫﻢ‪.‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﺍﻛﻨﻮﻥ “ﺧﻮﺍﺳﺘﻦﻫﺎ” ﺭﺍ ﺑﻪ ﻳﺎﺩ ﺑﻴﺎﻭﺭﻡ‪:‬‬ ‫–ﻣﻲﺧﻮﺍﻫﻢ ﺑﺮﺍﻱ ﺳﻔﺮ ﻛﺮﺩﻥ ﻭ ﺯﻧﺪﮔﻲ ﺑﻪ ﺳﺒﻜﻲ ﻛﻪ ﺩﻭﺳﺖ ﺩﺍﺭﻡ‪ ،‬ﺁﺯﺍﺩ ﺑﺎﺷﻢ‪.‬‬ ‫– ﻣﻲﺧﻮﺍﻫﻢ ﺩﺭ ﺟﻮﺍﻧﻲ ﺑﻪ ﺍﻳﻨﻬﺎ ﺑﺮﺳﻢ‪.‬‬ ‫– ﺳﺎﺩﻩ ﺳﺨﻦ ﺍﻳﻨﻜﻪ ﻣﻲﺧﻮﺍﻫﻢ ﺁﺯﺍﺩ ﺑﺎﺷﻢ‪.‬‬ ‫– ﻣﻬﺎﺭ ﻭﻗﺖ ﻭ ﺯﻧﺪﮔﻲ ﺑﻪ ﺩﺳﺖ ﺧﻮﺩﻡ ﺑﺎﺷﺪ‪.‬‬ ‫– ﻣﻲﺧﻮﺍﻫﻢ ﭘﻮﻝ ﺭﺍ ﺑﻪ ﺧﺪﻣﺖ ﻭ ﻛﺎﺭ ﻛﺮﺩﻥ ﻭﺍﺩﺍﺭﻡ‪.‬‬

‫ﮔﺎﻡ ‪ -٢‬ﺣﻖ ﺍﻧﺘﺨﺎﺏ ﺭﻭﺯﺍﻧﻪ‪ :‬ﻧﻴﺮﻭﻱ ﮔﺰﻳﻨﺶ‬ ‫ﺑﻪ ﺍﻳﻦ ﺩﻟﻴﻞ ﺍﺳﺖ ﻛﻪ ﺍﻧﺴﺎﻥﻫﺎ ﻣﻴﻞ ﺩﺍﺭﻧﺪ ﺗﺎ ﺩﺭ ﺳﺮﺯﻣﻴﻨﻲ ﺁﺯﺍﺩ ﺯﻧـﺪﮔﻲ ﻛﻨﻨـﺪ ﻣـﺎ ﺧﻮﺍﻫـﺎﻥ ﺣـﻖ ﺍﻧﺘﺨـﺎﺏ‬ ‫ﻫﺴﺘﻴﻢ‪.‬‬

‫ﮔﺎﻡ ‪ -٣‬ﺩﺭ ﺩﻭﺳﺖ ﮔﺮﻓﺘﻦ ﺩﻭﺭﺍﻧﺪﻳﺶ ﺑﺎﺷﻴﺪ‪ :‬ﻧﻴﺮﻭﻱ ﻫﻤﮕﺮﺍﻳﻲ‬ ‫ﻣﻦ ﺩﻭﺳﺖ ﺭﺍ ﺑﺮ ﭘﺎﻳﻪ ﻭﺿﻌﻴﺖ ﻣﺎﻟﻲ ﺑﺮﻧﻤﻲﮔﺰﻳﻨﻢ‪ .‬ﻣﻦ ﺩﻭﺳﺘﺎﻧﻲ ﺩﺍﺭﻡ ﻛﻪ ﺍﺯ ﺗﻨﮕﺪﺳﺘﻲ ﺁﻩﺷﺎﻥ ﺑﻠﻨﺪ ﺍﺳـﺖ ﻭ‬ ‫ﺩﻭﺳﺘﺎﻧﻲ ﻛﻪ ﻣﻴﻠﻴﻮﻥﻫﺎ ﺩﻻﺭ ﺛﺮﻭﺕ ﺩﺍﺭﻧﺪ‪ .‬ﻧﻜﺘﻪ ﻣﻬﻢ ﺍﻳﻦ ﺍﺳﺖ ﻛـﻪ ﺍﺯ ﻫـﺮ ﺩﻭ ﮔـﺮﻭﻩ ﭼﻴـﺰ ﻣـﻲﺁﻣـﻮﺯﻡ ﻭ ﺍﻳـﻦ‬ ‫ﻳﺎﺩﮔﻴﺮﻱ ﺁﮔﺎﻫﺎﻧﻪ ﺍﺳﺖ‪.‬‬

‫ﮔﺎﻡ ‪ -٤‬ﺩﺭ ﻳﻚ ﻓﺮﻣﻮﻝ ﺧﺒﺮﻩ ﺷﻮﻳﺪ‪ ،‬ﺳﭙﺲ ﺑﻪ ﻳﺎﺩﮔﻴﺮﻱ ﻓﺮﻣـﻮﻝ ﺗـﺎﺯﻩﺍﻱ ﺭﻭﺁﻭﺭﻳـﺪ‪ :‬ﻧﻴـﺮﻭﻱ ﺑﺎﺷـﺘﺎﺏ‬ ‫ﺁﻣﻮﺧﺘﻦ‪.‬‬ ‫ﻧﺎﻧﻮﺍﻳﺎﻥ ﺩﺭ ﭘﺨﺖ ﻧﺎﻥ ﻧﺴﺨﻪﺍﻱ ﺭﺍ ﭘﻴﺮﻭﻱ ﻣﻲﻛﻨﻨﺪ‪ ،‬ﺣﺘﻲ ﺍﮔﺮ ﻧﻨﻮﺷﺘﻪ ﻭ ﺗﻨﻬﺎ ﺩﺭ ﻣﻐﺰﺷﺎﻥ ﺑﺎﺷﺪ‪ .‬ﭘـﻮﻝ ﺳـﺎﺧﺘﻦ‬ ‫ﻫﻢ ﭼﻨﻴﻦ ﺍﺳﺖ‪ .‬ﺑﻪ ﺍﻳﻦ ﺩﻟﻴﻞ ﺍﺳﺖ ﻛﻪ ﭘﻮﻝ ﺭﺍ ﺍﻏﻠﺐ “ﻣﺎﻳﻪ” ﻣﻲﻧﺎﻣﻨﺪ‪.‬‬

‫ﮔﺎﻡ ‪ -٥‬ﻧﺨﺴﺖ ﺳﻬﻢ ﺧﻮﺩ ﺭﺍ ﺑﭙﺮﺩﺍﺯﻳﺪ‪.‬‬ ‫ﺍﮔﺮ ﻧﻤﻲﺗﻮﺍﻧﻴﺪ ﻣﻬﺎﺭ ﺧﻮﺩ ﺭﺍ ﺩﺭ ﺩﺳﺖ ﺩﺍﺷﺘﻪ ﺑﺎﺷﻴﺪ‪،‬ﺑﻪ ﮔﺮﺩ ﺛﺮﻭﺗﻤﻨﺪﻱ ﻧﮕﺮﺩﻳـﺪ‪ .‬ﻧﺨﺴـﺖ ﺑـﻪ ﻳـﻚ ﺩﻭﺭﻩ‬ ‫ﻧﻈﺎﻣﻲ ﻳﺎ ﺍﻧﻀﺒﺎﻃﻲ ﺑﭙﻴﻮﻧﺪﻳﺪ ﺗﺎ ﺍﻳﻦ ﻣﻬﺎﺭﺕ ﺭﺍ ﺑﻪ ﺩﺳﺖ ﺁﻭﺭﻳﺪ‪ .‬ﺳﺮﻣﺎﻳﻪﮔﺬﺍﺭﻱ ﻛـﺮﺩﻥ‪ ،‬ﭘـﻮﻝ ﺩﺭﺁﻭﺭﺩﻥ ﻭ ﺁﻥ ﺭﺍ‬ ‫ﺑﺮﺑﺎﺩ ﺩﺍﺩﻥ ﻣﻌﻨﺎ ﻧﺪﺍﺭﺩ‪.‬‬ ‫ﺑﻲﺑﻬﺮﻩ ﺑﻮﺩﻥ ﺍﺯ ﺧﻮﺩ ﺳﺎﻣﺎﻥﺩﻫﻲ ﺍﺳﺖ ﻛﻪ ﺑﺮﻧﺪﮔﺎﻥ ﭘﻮﻝﻫﺎﻱ ﺑﺎﺯﻱﻫﺎﻱ ﻻﺗﺎﺭﻱ ﺭﺍ ﻳﻚﺷـﺒﻪ ﺑـﻪ ﺭﻭﺯ ﺳـﻴﺎﻩ‬ ‫ﻣﻲﻧﺸﺎﻧﺪ‪ .‬ﻧﺒﻮﺩ ﺧﻮﺩﺳﺎﻣﺎﻥﺩﻫﻲ ﺍﺳﺖ ﻛﻪ ﺩﺭﻳﺎﻓﺖﻛﻨﻨﺪﮔﺎﻥ ﺍﺿﺎﻓﻪ ﺣﻘﻮﻕﻫﺎﻱ ﻛـﻼﻥ ﺭﺍ ﺑـﻲﺩﺭﻧـﮓ ﺑـﻪ ﺧﺮﻳـﺪ‬ ‫ﺧﻮﺩﺭﻭ ﺗﺎﺯﻩ ﻳﺎ ﺳﻔﺮﻫﺎﻱ ﺗﻔﺮﻳﺤﻲ ﻣﻲﻛﺸﺎﻧﺪ‪.‬‬ ‫ﺑﻪ ﻛﺎﺭﺁﻓﺮﻳﻨﺎﻥ ﺗﻮﺻﻴﻪ ﻣﻲﺷﻮﺩ ﺑﻪ ﺟﺎﻱ ﺗﻤﺮﻛﺰ ﺑﺮ ﻛﺎﻻ‪ ،‬ﺧﺪﻣﺎﺕ ﻭ ﺩﺳـﺘﻤﺰﺩﻫﺎ‪ ،‬ﺑـﺮ ﭘـﺮﻭﺭﺵ ﻣﻬـﺎﺭﺕﻫـﺎﻱ‬ ‫ﻣﺪﻳﺮﻳﺘﻲ ﺗﻤﺮﻛﺰ ﻛﻨﻨﺪ‪ .‬ﺳﻪ ﺗﺎ ﺍﺯ ﻣﻬﻢﺗﺮﻳﻦ ﻣﻬﺎﺭﺕﻫﺎﻱ ﺿﺮﻭﺭﻱ ﻋﺒﺎﺭﺗﻨﺪ ﺍﺯ‪:‬‬ ‫‪.١‬‬

‫ﻣﺪﻳﺮﻳﺖ ﺟﺮﻳﺎﻥ ﻧﻘﺪﻳﻨﮕﻲ‬

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‫ﻣﺪﻳﺮﻳﺖ ﺍﻧﺴﺎﻥﻫﺎ‬

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‫ﻣﺪﻳﺮﻳﺖ ﻭﻗﺖ ﺧﻮﺩ‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

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‫ﮔﺎﻡ ‪ -٦‬ﺑﻪ ﻛﺎﺭﮔﺰﺍﺭﺍﻥ ﺧﻮﺏ ﻣﺰﺩ ﺑﺪﻫﻴﺪ‪ .‬ﻧﻴﺮﻭﻱ ﺭﺍﻳﺰﻧﻲ ﺑﺮﺗﺮ‬ ‫ﺍﻏﻠﺐ ﻣﻲﺑﻴﻨﻴﻢ ﻛﻪ ﺑﺮ ﺩﻳﻮﺍﺭ ﺧﺎﻧﻪﻫﺎ ﺗﺎﺑﻠﻮﻱ ﻓﺮﻭﺵ ﺑﻲﻭﺍﺳﻄﻪ ﻧﺼﺐ ﻛﺮﺩﻩﺍﻧﺪ‪ ،‬ﻳﺎ ﺩﺭ ﺁﮔﻬﻲﻫﺎﻱ ﺗﻠﻮﻳﺰﻳﻮﻧﻲ ﺍﺯ‬ ‫“ ﻛﺎﺭﮔﺰﺍﺭﺍﻥ ﺍﺭﺯﺍﻥ” ﻣﻲﺷﻨﻮﻳﺪ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﻋﻜﺲ ﺍﻳﻨﻬﺎ ﺭﺍ ﺗﻮﺻﻴﻪ ﻣﻲﻛﺮﺩ‪ .‬ﺍﻭ ﻋﻘﻴﺪﻩ ﺩﺍﺷﺖ ﻛﻪ ﺑﺎﻳﺪ ﺑﻪ ﺣﺮﻓﻪﺍﻱﻫﺎ‬ ‫ﺩﺳﺘﻤﺰﺩ ﺧﻮﺏ ﭘﺮﺩﺍﺧﺖ‪ ،‬ﺧﻮﺩﺵ ﻧﻴﺰ ﭼﻨﻴﻦ ﻣﻲﻛﺮﺩ‪ .‬ﻛﺎﺭﮔﺰﺍﺭ ﭼﺸﻢ ﻭ ﮔﻮﺵ ﺷﻤﺎ ﺩﺭ ﺑﺎﺯﺍﺭ ﺍﺳﺖ‪ ،‬ﻫﻤـﻮﺍﺭﻩ ﺁﻧﺠـﺎ‬ ‫ﻫﺴﺘﻨﺪ ﻭ ﻧﻴﺎﺯﻱ ﺑﻪ ﺣﻀﻮﺭ ﻣﻦ ﻭ ﺷﻤﺎ ﻧﻴﺴﺖ‪.‬‬

‫ﮔﺎﻡ ‪ -٧‬ﻫﻤﭽﻮﻥ ﺳﺮﺥﭘﻮﺳﺘﺎﻥ‪ .‬ﻧﻴﺮﻭﻱ ﺭﺍﻳﮕﺎﻥ ﮔﺮﻓﺘﻦ‬ ‫ﻧﺨﺴﺘﻴﻦ ﻣﻬﺎﺟﺮﺍﻥ ﺑﻪ ﺍﻣﺮﻳﻜﺎ ﺩﺭ ﺑﺮﺍﺑﺮ ﺑﺮﺧﻲ ﺍﺯ ﻋﺎﺩﺕ ﻫﺎﻱ ﻓﺮﻫﻨﮕﻲ ﺑﻮﻣﻴﺎﻥ ﺳﺮﺩﺭﮔﻢ ﻣﻲﺷﺪﻧﺪ‪ .‬ﺑﺮﺍﻱ ﻣﺜـﺎﻝ‬ ‫ﭼﻨﺎﻧﭽﻪ ﻳﻚ ﺳﻔﻴﺪﭘﻮﺳﺖ ﺍﺣﺴﺎﺱ ﺳﺮﻣﺎ ﻣﻲﻛﺮﺩ‪ ،‬ﺳﺮﺥﭘﻮﺳﺘﺎﻥ ﺑﻪ ﻭﻱ ﭘﺘﻮ ﻣﻲﺩﺍﺩﻧﺪ‪ .‬ﺳﻔﻴﺪﭘﻮﺳﺖ ﺁﻥ ﺭﺍ ﻫﺪﻳﻪ‬ ‫ﻣﻲﭘﻨﺪﺍﺷﺖ ﻭ ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﺳﺮﺥﭘﻮﺳﺖ ﺑﺮﺍﻱ ﭘﺲ ﮔﺮﻓﺘﻦ ﭘﺘﻮ ﻣﻲﺁﻣﺪ‪ ،‬ﺍﻏﻠﺐ ﺟﺮﻳﺎﻥ ﺑﻪ ﺑﮕﻮﻣﮕﻮ ﺧﺘﻢ ﻣﻲﺷﺪ‪.‬‬

‫ﮔﺎﻡ ‪ -٨‬ﺩﺍﺭﺍﻳﻲﻫﺎ ﺑﺮﺍﻳﺘﺎﻥ ﻭﺳﺎﺋﻞ ﺭﻓﺎﻩ ﻭ ﺧﻮﺵﮔﺬﺭﺍﻧﻲ ﻣﻲﺧﺮﻧﺪ‪ .‬ﻧﻴﺮﻭﻱ ﺗﻤﺮﻛﺰ‬ ‫ﻣﻦ ﭼﻴﺰﻫﺎﻱ ﻗﺸﻨﮓ ﻭ ﺗﺠﻤﻠﻲ ﺭﺍ ﺑﻪ ﺍﻧﺪﺍﺯﻩ ﺩﻳﮕﺮﺍﻥ ﺩﻭﺳﺖ ﺩﺍﺭﻡ‪ .‬ﺗﻨﻬﺎ ﺗﻔﺎﻭﺕ ﺍﻳﻦ ﺍﺳﺖ ﻛﻪ ﺑﺴﻴﺎﺭﻱ ﺍﺯ ﻣﺮﺩﻡ‬ ‫ﭼﻴﺰﻫﺎﻱ ﺗﺠﻤﻠﻲ ﺭﺍ ﺑﺎ ﮔﺮﻓﺘﻦ ﻭﺍﻡ ﻭ ﺍﻋﺘﺒﺎﺭ ﻣﻲﺧﺮﻧﺪ‪.‬‬

‫ﮔﺎﻡ ‪ -٩‬ﻧﻴﺎﺯ ﺑﻪ ﭘﻬﻠﻮﺍﻧﺎﻥ‪ :‬ﻧﻴﺮﻭﻱ ﺍﻓﺴﺎﻧﻪﻫﺎ‬ ‫ﺩﺭ ﺑﺎﺯﻱﻫﺎﻱ ﻛﻮﺩﻛﻲ‪ ،‬ﺁﺭﺯﻭ ﻣﻲﻛﺮﺩﻡ ﻣﺜﻞ ﻗﻬﺮﻣﺎﻧﺎﻥ ﺑﺎﺷﻢ ﻭ ﻣﻲﺧﻮﺍﺳـﺘﻢ ﻫﻤـﻪ ﭼﻴـﺰ ﺩﺭﺑـﺎﺭﻩ ﺁﻧـﺎﻥ ﺑـﺪﺍﻧﻢ‬ ‫ﺑﺎﺷﮕﺎﻩ ﻭ ﻣﻴﺰﺍﻥ ﭘﺮﺩﺍﺧﺖﻫﺎﻱ ﺁﻧﺎﻥ ﺭﺍ ﻣﻲﺷﻨﺎﺧﺘﻢ ﻭ ﻣﻲﺩﺍﻧﺴﺘﻢ ﻛﻪ ﻗﻬﺮﻣﺎﻧـﺎﻥ ﭼﮕﻮﻧـﻪ ﺑـﻪ ﺁﻧﻬـﺎ ﺭﺍﻩ ﻣـﻲﻳﺎﺑﻨـﺪ‪.‬‬ ‫ﻣﻲﺧﻮﺍﺳﺘﻢ ﺗﺎ ﻫﻤﻪ ﭼﻴﺰ ﺭﺍ ﺩﺭﺑﺎﺭﻩ ﻗﻬﺮﻣﺎﻧﺎﻥ ﺩﻟﺨﻮﺍﻫﻢ ﺑﺪﺍﻧﻢ‪ ،‬ﺯﻳﺮﺍ ﻣﻴﻞ ﺩﺍﺷﺘﻢ ﻣﺎﻧﻨﺪ ﺁﻧﻬﺎ ﺷﻮﻡ‪.‬‬

‫ﮔﺎﻡ ‪ -١٠‬ﺑﻪ ﺩﻳﮕﺮﺍﻥ ﺑﻴﺎﻣﻮﺯﻳﺪ‪ ،‬ﺧﻮﺩﺗﺎﻥ ﻧﻴﺰ ﺧﻮﺍﻫﻴﺪ ﺁﻣﻮﺧﺖ‪ :‬ﻧﻴﺮﻭﻱ ﺑﺨﺸﺶ‬ ‫ﻫﺮ ﺩﻭ ﺑﺎﺑﺎﻱ ﻣﻦ ﺁﻣﻮﺯﮔﺎﺭ ﺑﻮﺩﻧﺪ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ ﺑﻪ ﻣﻦ ﺩﺭﺳﻲ ﺩﺍﺩ ﻛﻪ ﺩﺭ ﺳﺮﺍﺳﺮ ﺯﻧﺪﮔﻲ ﻫﻤﺮﺍﻫﻢ ﺧﻮﺍﻫﺪ ﻣﺎﻧﺪ‬ ‫ﻭ ﺁﻥ ﻧﻴﺎﺯ ﺑﻪ ﺧﻴﺮﺧﻮﺍﻫﻲ ﻭ ﺑﺨﺸﻨﺪﮔﻲ ﺍﺳﺖ‪ .‬ﺑﺎﺑﺎﻱ ﺩﺍﻧﺸﻤﻨﺪﻡ ﺍﺯ ﻭﻗﺖ ﻭ ﺩﺍﻧﺶ ﺧﻮﺩ ﺑﺴـﻴﺎﺭ ﻣـﻲﺑﺨﺸـﻴﺪ‪ ،‬ﻭﻟـﻲ‬ ‫ﻫﺮﮔﺰ ﭘﻮﻝ ﺑﻪ ﻛﺴﻲ ﻧﻤﻲﺩﺍﺩ‪ .‬ﺍﻭ ﻣﻲﮔﻔﺖ ﻭﻗﺘﻲ ﭘﻮﻝ ﺍﺿﺎﻓﻲ ﺩﺍﺷﺘﻢ ﭼﻨﻴﻦ ﺧﻮﺍﻫﻢ ﻛﺮﺩ‪ ،‬ﻭ ﺻﺪ ﺍﻟﺒﺘﻪ ﻫﻴﭻﮔﺎﻩ ﭼﻨـﻴﻦ‬ ‫ﻓﺮﺻﺘﻲ ﭘﻴﺶ ﻧﻤﻲﺁﻣﺪ‪.‬‬

‫‪٢۴‬‬

‫ﺑﺎﺑﺎﻱ ﺩﺍﺭﺍ‪ ،‬ﺑﺎﺑﺎﻱ ﻧﺎﺩﺍﺭ ‪/‬‬

‫ﺑﺨﺶ ﺩﻫﻢ‬

‫ﺑﺎﺯ ﻫﻢ ﺑﻴﺸﺘﺮ ﻣﻲﺧﻮﺍﻫﻴﺪ؟‬ ‫ﭘﺎﺭﻩﺍﻱ ﺍﺯ ﺑﺎﻳﺪﻫﺎ ﺭﺍ ﺩﺭ ﭘﻲ ﻣﻲﺁﻭﺭﻡ‬ ‫• ﺁﻧﭽﻪ ﺭﺍ ﺍﻛﻨﻮﻥ ﺍﻧﺠﺎﻡ ﻣﻲﺩﻫﻴﺪ‪ ،‬ﻛﻨﺎﺭ ﺑﮕﺬﺍﺭﻳﺪ‪ .‬ﺑﻪ ﺳﺨﻨﻲ ﺩﻳﮕﺮ‪ ،‬ﻛﺎﺭﺗﺎﻥ ﺭﺍ ﻣﺘﻮﻗﻒ ﻛﻨﻴﺪ ﻭ ﺍﺭﺯﻳﺎﺑﻲ ﻧﻤﺎﻳﻴﺪ ﻛﻪ‬ ‫ﭼﻪ ﻓﻌﺎﻟﻴﺖﻫﺎﻳﻲ ﻧﺘﻴﺤﻪﺑﺨﺶ ﻭ ﻛﺪﺍﻡﻫﺎ ﺑﻲﻧﺘﻴﺠﻪ ﺑﻮﺩﻩﺍﻧﺪ‪.‬‬ ‫• ﺑﻪ ﺩﻧﺒﺎﻝ ﺍﻧﺪﻳﺸﻪﻫﺎﻱ ﻧﻮ ﺑﺎﺷﻴﺪ‪.‬‬ ‫• ﻛﺴﻲ ﺭﺍ ﺑﻴﺎﺑﻴﺪ ﻛﻪ ﺭﺍﻫﻲ ﺭﺍ ﻛﻪ ﺷﻤﺎ ﻣﻲﺧﻮﺍﻫﻴﺪ ﺑﺮﻭﻳﺪ‪ ،‬ﭘﻴﺶﺗﺮ ﺭﻓﺘﻪ ﺑﺎﺷﺪ‪ .‬ﺍﻭ ﺭﺍ ﺑﻪ ﻧﺎﻫﺎﺭ ﻣﻬﻤـﺎﻥ ﻛﻨﻴـﺪ‪ .‬ﺍﺯ‬ ‫ﻭﻱ ﺭﺍﻫﻨﻤﺎﻳﻲﻫﺎﻱ ﺑﻜﺮ ﺑﺨﻮﺍﻫﻴﺪ ﻭ ﭼﻢﻭﺧﻢ ﺍﻧﺠﺎﻡ ﺁﻥ ﻓﻌﺎﻟﻴﺖ ﺭﺍ ﺟﻮﻳﺎ ﺷﻮﻳﺪ‪.‬‬ ‫• ﺩﺭ ﻛﻼﺱﻫﺎ ﺷﺮﻛﺖ ﻧﻤﻮﺩﻩ ﻭ ﻧﻮﺍﺭﻫﺎﻱ ﺁﻣﻮﺯﺷﻲ ﺑﺨﺮﻳﺪ‪.‬‬ ‫• ﭘﻴﺸﻨﻬﺎﺩﻫﺎﻱ ﻓﺮﺍﻭﺍﻥ ﺑﺪﻫﻴﺪ‪ .‬ﻫﻨﮕﺎﻣﻲ ﻛﻪ ﺩﺭ ﭘﻲ ﺧﺮﻳﺪ ﻣﻠﻚ ﻫﺴﺘﻢ‪ ،‬ﺑﻪ ﻣﻮﺍﺭﺩ ﺯﻳﺎﺩﻱ ﺳﺮ ﻣﻲﺯﻧﻢ ﻭ ﭘﻴﺸﻨﻬﺎﺩ‬ ‫ﻣﻲﺩﻫﻢ‪ .‬ﺍﮔﺮ ﺷﻤﺎ ﺍﺯ ﭘﻴﺸﻨﻬﺎﺩ ﺩﺭﺳﺖ ﺁﮔﺎﻫﻲ ﻧﺪﺍﺭﻳﺪ‪ ،‬ﻣﺎﻧﻨﺪ ﻣﻦ ﻫﺴﺘﻴﺪ‪ .‬ﭘﻴﺸـﻨﻬﺎﺩ ﺭﺍ ﺑﻨﮕـﺎﻩ ﻭ ﻛـﺎﺭﮔﺰﺍﺭ‬ ‫ﻣﻲﺩﻫﺪ‪ .‬ﻛﺎﺭ ﺍﻧﺪﻛﻲ ﺑﺮﺍﻱ ﻣﻦ ﻣﻲﻣﺎﻧﺪ‪.‬‬ ‫• ﺩﺭ ﻫﺮ ﻧﺎﺣﻴﻪ ﻣﺎﻫﺎﻧﻪ ‪ ١٠‬ﺩﻗﻴﻘﻪ ﺭﺍﻧﻨﺪﮔﻲ ﻭ ﻳـﺎ ﭘﻴـﺎﺩﻩﺭﻭﻱ ﻛﻨﻴـﺪ‪ .‬ﻣـﻦ ﺑﺴـﻴﺎﺭﻱ ﺍﺯ ﻣـﻮﺍﺭﺩ ﺧـﻮﺏ ﺭﺍ ﻫﻨﮕـﺎﻡ‬ ‫ﭘﻴﺎﺩﻩﺭﻭﻱ ﭘﻴﺪﺍ ﻛﺮﺩﻩﺍﻡ‪.‬‬ ‫• ﺍﺻﻮﻝ ﺷﻨﺎﺳﺎﻳﻲ ﺍﺭﺯﺵ ﺩﺭ ﻫﻤﻪ ﻣﻮﺍﺭﺩ )ﺧﺮﻳﺪ ﻣﺴﺘﻐﻼﺕ‪ ،‬ﺳﻬﺎﻡ‪ ،‬ﺷﺮﻛﺘﻲ ﺗﺎﺯﻩ‪ ،‬ﺧﺎﻧﻪﺍﻱ ﺗﺎﺯﻩ‪ ،‬ﻫﻤﺴـﺮ‪ ،‬ﺣﺘـﻲ‬ ‫ﭘﻮﺩﺭ ﺭﺧﺘﺸﻮﻳﻲ( ﻳﻜﺴﺎﻥ ﺍﺳﺖ‪ .‬ﻓﺮﺍﻳﻨﺪ ﻫﻤﻮﺍﺭﻩ ﻳﻜﺴﺎﻥ ﺍﺳﺖ‪ ،‬ﺑﺎﻳﺪ ﺑﺪﺍﻧﻴﺪ ﭼﻪ ﻣﻲﺧﻮﺍﻫﻴـﺪ ﻭ ﺩﺭ ﭘـﻲ ﺁﻥ‬ ‫ﺑﮕﺮﺩﻳﺪ‪.‬‬ ‫• ﺑﻪ ﺩﻧﺒﺎﻝ ﻣﻮﺍﺭﺩ ﻣﻨﺎﺳﺐ ﺑﺎﺷﻴﺪ‪ .‬ﺳﻮﺩ ﺭﺍ ﺑﺎﻳﺪ ﻫﻨﮕﺎﻡ ﺧﺮﻳﺪ ﺑﺮﺩ ﻧﻪ ﻓﺮﻭﺵ‪.‬‬ ‫• ﺍﺯ ﺗﺎﺭﻳﺦ ﺩﺭﺱ ﺑﻴﺎﻣﻮﺯﻳﺪ‪.‬‬ ‫• ﺁﻧﺎﻧﻲ ﻛﻪ ﺑﻪ ﺭﺍﻩ ﻣﻲﺍﻓﺘﻨﺪ‪ ،‬ﺍﺯ ﺍﻳﺴﺘﺎﺩﻩ ﻫﺎ ﻣﻲﮔﺬﺭﻧﺪ‪.‬‬ ‫ﺍﻳﻨﻬﺎ ﭘﺎﺭﻩﺍﻱ ﺍﺯ ﻛﺎﺭﻫﺎﻳﻲ ﺍﺳﺖ ﻛﻪ ﻣﻦ ﺩﺭ ﭘﻲ ﻳﺎﻓﺘﻦ ﻓﺮﺻﺖﻫﺎ ﻛﺮﺩﻩ ﻭ ﻣﻲﻛﻨﻢ‪ .‬ﻫﻤﺎﻥﮔﻮﻧﻪ ﻛـﻪ ﻓﻌـﻞ ﺍﻧﺠـﺎﻡ‬ ‫ﺩﺍﺩﻥ ﺭﺍ ﺑﺎﺭﻫﺎ ﻭ ﺑﺎﺭﻫﺎ ﺩﺭ ﺍﻳﻦ ﻛﺘﺎﺏ ﺁﻭﺭﺩﻩﺍﻡ‪ ،‬ﺑﻪ ﺍﻗﺪﺍﻡ ﻭ ﻋﻤﻞ ﻛﺮﺩﻥ ﺑﺎﻭﺭ ﺩﺍﺭﻡ‪ .‬ﺑﺎﻳﺪ ﭘـﻴﺶ ﺍﺯ ﺍﻧﺘﻈـﺎﺭ ﭘـﺎﺩﺍﺵ‬ ‫ﻣﺎﻟﻲ ﺍﻗﺪﺍﻡ ﻛﻨﻴﺪ‪.‬‬ ‫ﭘﺲ ﻫﻢﺍﻛﻨﻮﻥ ﺩﺳﺖ ﺑﻪ ﻛﺎﺭ ﺷﻮﻳﺪ‪.‬‬