Robert Toru Kiyosaki (born April 8, 1947) is an American businessman and author of Rich Dad Poor Dad. Kiyosaki is the founder of Rich Global LLC and the Rich Dad Company, a private financial education company that provides personal finance and business education to people through books and videos. The company's main revenues come from franchisees of the Rich Dad seminars that are conducted by independent individuals using Kiyosaki's brand name for a fee. He is also the creator of the Cashflow board and software games to educate adults and children about business and financial concepts. Wikipedia, Robert Kiyosaki
Robert Kiyosaki’s Why the Rich Are Getting Richer, it didn’t feel like just another finance book—it felt like a wake-up call. The message was clear: wealth isn’t about working harder, it’s about learning the rules of money that most people were never taught. What struck me was how the rich play by a different set of rules—not because they’re secret, but because they’ve taken the time to learn them, while many of us are stuck in the mindset of trading time for money.
Few practical points to consider:
1. Don’t just earn money—learn how money works.
The biggest difference between the rich and everyone else isn’t income, it’s financial education. Understanding taxes, debt, and assets changes the game. Once I started treating financial literacy like a skill to be mastered, I realized how much opportunity I’d been blind to.
2. Assets put money in your pocket, liabilities take it out.
It sounds simple, but most people confuse the two. A house you live in is usually a liability, while investments that generate cash flow are assets. Shifting my mindset to focus on building assets was the first step toward long-term freedom.
3. Taxes are designed for the financially educated.
The rich use corporate structures, investments, and strategies to legally reduce taxes, while employees often carry the heaviest burden. This lesson made me rethink how I earn—am I working for money, or positioning money to work for me?
4. Debt can be a powerful tool.
Most of us are taught to fear debt, but the wealthy use “good debt” to acquire assets that generate more income than the cost of borrowing. Learning this shifted my view from “avoid debt” to “use it strategically.”
5. Schools don’t teach financial independence.
We’re trained to get jobs, not to create wealth. That’s why continuous self-education—through books, mentors, or courses—is essential. I realized no one was going to teach me unless I took responsibility for my own financial learning.
6. Cash flow is king.
Salary may feel safe, but it stops the moment you stop working. Cash flow from investments, however, builds resilience and freedom. This lesson pushed me to look beyond traditional income and explore ways to generate money even while I sleep.
7. Mindset separates the rich from the poor.
The rich think in terms of opportunities, while others often think in terms of risks and limitations. I noticed that once I began asking, “How can I afford this?” instead of “I can’t afford this,” my creativity and confidence grew.
What makes Why the Rich Are Getting Richer so powerful is that it doesn’t just give you numbers—it challenges the way you see money, work, and your future. The moment you stop thinking like a paycheck-dependent employee and start thinking like an investor, everything changes. Wealth isn’t just for “the lucky few”; it’s for those willing to learn the rules and play the game differently. And that’s when you stop working for money—and start having money work for you.
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