(도서출판 리더스북, 2006년 7월 5일 초판 1쇄, 2008년 12월 17일 초판 100쇄)


재테크에 관심이 있지 않더라도 '시골의사 박경철' 이라는 이름은 한번씩 들어보셨을 것이다.
처음에는 투자의 귀재로 이름을 떨치기 시작했지만 이제는 대한민국을 대표하는 지성인으로 추앙받는 것 같은 분...
나온지 2년이 넘은 책이지만 직장 생활을 시작하고 재테크라는 것에 관심을 갖게된 나에게 한번쯤 읽어봐야 할 책이 아닌가 하는 생각이 들어 보게 되었다.

여러가지 내용들이 있는데, 시장 전망 같은 것들은 책을 쓴 시기가 좀 된 부분도 있고 투자에 크게 관심이 있는 사람이 아니라면 어려운 것들도 있어 나처럼 이제 막 재산 불리기에 관심을 갖기 시작한 사람의 눈높이 정도로만 책 내용을 읽고 정리해 보았다.

1. 부자란 무엇인가

부자 하면 다들 '돈이 많은 사람' 정도로 생각하기 쉽다. 그러나 저자는 여기서 나름대로의 정확한 기준을 제시한다.
부자는 '부를 늘리는데 관심이 없으며 더 이상의 부를 필요로 하지 않는 사람' 이라는 것이다.

그리고 그는 부자가 되기 위해서는 다음 세가지를 생각해 봐야 한다고 말한다.
  가. 자기 스스로 만족할 수 있는 부자의 기준
  나. 자신의 능력을 향상시켜 자산가치를 높임
  다. 은퇴 후 노후자금은 투자수익률을 올리는 비율의 개념으로 접근할 것

여기서 부를 늘리는데 관심이 없다, 더 이상의 부를 필요로 하지 않는다는 말에 동의하기 힘든 사람도 있을 것이다. 하지만 저 말이 역으로 '부자가 되는 길' 을 제시하고 있기도 하다. 자세한 설명은 뒤에서~!

2. 부는 어떻게 형성되는가 & 부자들은 어떻게 투자하는가

시골의사는 부의 형성 원천으로 '부가가치' 를 꼽았다. 기존에 가지고 있는 것으로 새로운 자산을 창조할 수 있는 기능을 가진 수단이 바로 부를 형성하는 원동력이라는 것.

유목사회에서는 말이나 양과 같은 가축이 그런 역할을 담당했고, 농경사회에서 토지가 부가가치를 창출했다면 현대 사회에서는 누구나 잘 알듯 금융자산이 부가가치를 만들어내는 주인공이다. 바로 금융자산이 만들어내는 부가가치가 우리가 흔히 얘기하는 이자율, 금리, 수익률일 것이다.

또한 그는 부자가 아닌 사람, 즉 빈자(貧者)들의 논리를 제시하며 부자가 되려는 자에게 경종을 울려준다.
  가. 세상을 곁눈질하는 욕심 : 부자에 대한 열등감, 박탈감에 무리한 재테크를 하거나 일확천금을 노림
  나. 끝까지 지키지 못하는 평정심 : 자산이 최고가치에 다다랐을때 욕심에 못이겨 투자해 손해만 보는 행태
  다. 하락에 익숙한 사고 : 실패한 재테크에 대한 진지한 성찰 부족, 그 외 재테크에 관한 지식 부족 등

따라서 부자가 되려면 인내심이 강하고 줏대 없이 여기저기 곁눈질하지 않으며 불필요한 비용으로 인한 손실을 싫어하는 부자의 마인드를 배우라고 한다.

한편, 그는 부자의 행동양식을 이해하되 부자처럼 행동하지 않고 부자처럼 사고하되 부자와는 다른 판단을 내리라는 알쏭달쏭한 말을 남긴다.

부자는 더 이상 부를 늘릴 필요가 없기에 지키는 것이 주 목적이고, 부자가 되려는 자는 최대한 재산을 불려야 하므로 이 경계선상을 지혜롭게 왔다갔다 하며 재테크를 하라는 뜻이다. 당연한 듯 하지만 참으로 어려운 말...


이렇게 개괄적으로 부자에 대한 이야기를 마친 후 부자가 되기 위한 이야기들을 구체적으로 제시한다.
금리와 인플레이션을 중심으로 이뤄지는 그의 다른 부자 되는 이야기는 내용이 좀 많은 관계로 한번에 다 하긴 어려워 다음 포스트를 통해 정리해야 할 것 같다.



 

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    | 2009.07.10 17:44 신고 | PERMALINK | EDIT | REPLY |

    이분 많이 유명하더라고요~
    책도 어렵지 않고, 읽기 편하다는 이야기를 들어는 봤는데.. 봐야지 봐야지만 하고 있던 1인 ㅋㅋ

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