Pertengahan tahun 2006 adalah titik balik paruh kedua kehidupanku. Perpindahan kuadran Kiyosaki hidupku telah dimulai dari transisi kuadran E (employee) yang bekerja untuk orang lain (perusahaan perkebunan) memasuki kuadran I (investment) dimana uang bekerja untukku melalui passive income dari royalty buku. Memang nilai uangnya belum seberapa, dan kata Prof. Gumbira-Sa’id, kita nggak pernah bisa kaya dari menulis buku. Memang perkataan beliau benar untuk konteks buku yang seret penjualan, tetapi untuk konteks buku laris seperti Harry Potter, jelas kebalikannyalah yang terjadi. J.K. Rowling telah menjadi selebritis dan salah satu orang terkaya di Inggris hanya karena mengarang buku dan mendapat royalty dari film yang diadaptasi dari bukunya.
Aku belum pantas menyandingkan diriku dengan J.K. Rowling, tetapi boleh kan aku membuat visi setinggi langit untuk menggantungkan keinginan pribadiku. Dan ternyata dari hasil investasi di kuadran I (investment), akhirnya berbuah ke kuadran B (business) berupa aktivitas bisnis melalui pembuatan sistem, sehingga orang bekerja untuk diriku; dan juga merambah ke kuadran SE (self employee) sebagai pekerja mandiri. Hasil investasi dari menulis buku hanyalah royalty 10% dari nilai jual buku dikalikan dengan eksemplar buku pada saat print run. Menginjak cetakan kedua, berarti sudah 10.000 buku yang beredar dan siap menghasilkan royalty. Menurut informasi penerbitnya, buku tulisanku menjadi salah satu best seller di Gramedia Mal Taman Anggrek. Toko buku dan pembaca senang dengan buku itu, dan harapanku itu bisa sampai cetakan ke sekian.
Setiap keberhasilan akan menghasilkan efek keberhasilan berantai, dan malangnya kesialan juga begitu. Keberhasilan kuadran I ternyata memicu kuadran lain dengan indeks leverage 10 kali ke kuadran SE. Dan kuyakini kuadran SE akan akan memberikan indeks leverage 10 kali ke kuadran B. Mutasi antar kuadran ini sungguh memberikan kemantapan hati untuk menjadi manusia bebas di paruh kedua kehidupan, sehingga tidak diperbudak oleh sistem dan menjual kebebasan diri demi gaji. Dan memang urutan pengembangannya adalah Kuadran E -> kuadran I (1) -> Kuadran SE -> Kuadran B -> Kuadran I (2) dst.
Bekerjalah dengan baik sebagai pekerja ilmu pengetahuan, sedot sebanyak mungkin income dan pengatahuan (kalau tidak bisa keduanya, ambilah pengetahuannya). Investasikan income dalam tabungan. Investasikan pengetahuan tacit yang didapat dengan mekanisme eksternalisasi menjadi pengetahuan eksplisit. Gunakan sebagian tabungan untuk menguji pengetahuan eksplisit pada tataran yang lebih tinggi (kuliah lagi S2, S3), sehingga akhirnya menjadi pengetahuan eksplisit yang terkodifikasi pada suatu kondisi spesifik. Jual hasil kodifikasi pengetahuan tadi sehingga menghasilkan passive income berupa royalty. Investasikan kembali royalty yang diterima dalam bisnis baru yang akan menciptakan kuadran B. Reputasi yang tercipta akan menciptakan kesempatan-kesempatan baru, sehingga bisa menciptakan kuadran SE yang dilakoni secara paralel dengan kuadran E. Karena kualitas pengetahuan yang prima, maka kuadran SE akan mengungkit income 10x kuadran I pertama {I (1)}. Hasil dari kuadran E digunakan untuk membiayai kehidupan rutin, hasil kuadran I (1x) dan SE (10x) digunakan untuk menciptakan kuadran B yang akan mengungkit nilai investasi 10x SE dan I sehingga menjadi 110x I (1). Hasil 110x I (1) ini diinvestasikan ke I (2), sehingga akan menghasilkan passive income 1100x I (1). Pada kondisi inilah tercipta kebebasan finansial. Uang bekerja untuk kita, sementara aku ingin menyepi di pantai Karibia, melancong ke taman safari di Afrika dan minum kopi hangat sambil menatap puncak gunung es di Alaska. Seperti senandung Vina Panduwinta: Dunia yang kudamba.
Friday, June 29, 2007
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